Asking for help is not an embarrassment. It takes more courage to say I need help and accept it than it does to hide

@justinebailey5333

3 ай бұрын

❤❤❤

@lifehappensfast_21

2 ай бұрын

Tuer words have never been spoken

Ah man, when that guy said “I screwed up my family” could really hear the pain in his voice. Really good for him for making really positive steps.

@ninerknight5351

3 ай бұрын

Most people never have that realization. They keep on keeping on in debt.

@TheEGA4421

3 ай бұрын

This man's first step to recovery was asking for help. I wish him and his family the best. Sticking to a budget is not a death sentence. Rather it opens new opportunities.

@mimosahoney5617

3 ай бұрын

It is hard for me to hear his voice and 65 hours....I hope i can help him to get out of it !😥❤

@noreenn6976

3 ай бұрын

This call broke my heart. I was hoping they would gift him a session with a financial coach.

@Joce123

3 ай бұрын

Instead of another job..direct him to cook ftom scratch resources..connect with a church..food banks..frugal podcadts..Under the Median on You Tube...52 ways to save money

I’d say I’m fairly manly, mentally and physically tough like iron…but when I hear another’s man’s voice crack like that talking about his family…it hits my soul. Prayers to you. I believe in you!

These kids have a sober father who works hard and cares about them. They are already ahead in life.

He’s brave for calling in. He’s gonna make it!

When I got a $5/hr raise, by going to another factory, I still didn't have money. After doing a budget, I found out I was spending over $1,000 a month on fast food.

@jasonleatherwood2172

3 ай бұрын

See it every day man my friends all broke but cant admit it

@johnnymichael1804

3 ай бұрын

🤮🤮 at least you figured it out. Fast food is such a waste of money.

@snowpz

3 ай бұрын

​@@jasonleatherwood2172same with my family, they will never admit they're irresponsible and can't manage money

@coltonthies4672

3 ай бұрын

$1k?! I don’t think I’ve spent that in two years

@snowpz

3 ай бұрын

@@johnnymichael1804 i get why people do it. It's consumerism. Work them to the bone so they think they need it and make the prices extortionate

My wife and I make $100K and she still shops at Goodwill. I just never buy clothes. If the kids need new clothes for school, start there.

@chaselesser3191

3 ай бұрын

You make 100k combined. Or each make 100k. We make about 160-165k combined and my wife shops at thrift stores or clearance for all baby clothes,and food, Goodwill has actually gone up to much so don’t really go there anymore.

@commonuser-2554

3 ай бұрын

My family makes about 170k and we still monitor our electricity, coupon food, and shop at SHEIN and Temu.

@KathleenMcNe

3 ай бұрын

After always working full-time-plus, living frugally, and aggressively saving and investing, I now have a net worth of $13+ million. I still shop on eBay, even for clothing.

@mmp495

3 ай бұрын

We make $180,000/ annually and completely debt free. I still buy non brand, coupon, shop at GW and I'm currently redecorating my home using FB market place. There are a few splurges but I don't need to buy expensive "things". I'm perfectly happy. 😊

@FancyRPGCanada

3 ай бұрын

My family makes 130k combined and I’m still more likely to make or repair clothes than buy them. Often being smart and thrifty without being a miser is a good way to keep your wealth. It’s also a good way not to increase your waste. Fast fashion is truly evil

This guy sounds so genuine and I really hope the best for him and his sweet family.

Spend twice the amount of time on your kids and half the amount of money on your kids

I am so encouraged by the kindness of Rachel and George in talking with a man who is just trying so hard.

I feel you man, you can get through this. I was addicted to pain pills, then heroin, then fentanyl for the better part of 10 years. I was able to keep good jobs to feed my habit for most of that but then it got out of control. Title loans, terrible personal loans. It all went to drugs, and I barely kept them from defaulting. Luckily I got clean coming up on 4 years ago. You can slowly get everything paid back, it can be tough but it's possible. Just don't let the stress of that lead you back to using.

@BrianErwin

3 ай бұрын

you didn't luckily get clean. god and a strong will got you clean.

@mmp495

3 ай бұрын

Congratulations on staying sober. 🎉 Everyday gives us the opportunity to keep going and make it right. ❤❤❤

@obi-wantpastrami8745

3 ай бұрын

​@BrianErwin, that's how I was able to get off of meth. I told God that he said he'd give me the desires of my heart, and my heart desires to get off meth. That was 15 years ago, haven't had the urge to do it since.

@PoyTroy

3 ай бұрын

This was pretty much my life. Smoked weed when I was younger, then pain pills. Then heroin for 10 years. I was a functioning addict. Worked the whole time and paid for all of this. But Got very sick. Got clean and Ive been clean for 8 years now. Have a son. And I just work hard to support him while building my income. This young man will be fine , he has a family that loves him and he’s works hard

@francismarion6400

3 ай бұрын

​@BrianErwin He didn't say that though. He said he got himself clean.

Guy has a good heart and hes fighting. Hope their situation gets better

@meritabuff741

3 ай бұрын

Praying their life will get better 🙏

@francismarion6400

3 ай бұрын

No one has a good heart. Such a baseless statement.

If you read this, Keep grinding, Larry! You're a champ!

I loved this call. He was so real and wanted so badly to do the right thing for his family.

First of all, he needs to stop blaming himself. Noone can fix the past, but we can learn from it. I wish him the best!

@lisapochecalhoun

3 ай бұрын

There's a fine line between blaming himself and taking responsibility. I hope he steps over soon. He's poised to lead his family in such a good, healthy way. What an awakening he's had. I know it's not easy, but I genuinely see him succeeding. Kudos to his wife for being there, too.

Thats the sound of rock bottom. I think he’ll be fine and only go up from here.

I’ve both lost a bunch of weight AND repaired my finances recently. One thing people say when you lose weight, that was true for me, is that you kind of hide your issues behind layers of fat, and as you lose those… the issues come back out and you have to confront them before you can progress farther. Almost like bosses in a video game. The same proved true for me when budgeting… stuff I didn’t know what I was paying for revealed itself, bills that costed me more than they should, different bad financial habits I hadn’t really noticed because I was too distracted by “life stuff”… etc., etc. You just gotta start the journey. Your problems will reveal themselves, and you face them one at a time.

@macpduff2119

3 ай бұрын

I experienced the same thing. fat physically protects us from emotional pain. I lost 50lbs after years of suffering

Rachel has a way of giving people hope and being compassionate while being real about the hard work it’s going to take. That’s truly a gift.

“It’s not in the budget.” My kids definitely hear that.

He was readily willing to admit he is at rock bottom. His family is a success story in the making, far as I’m concerned. He is taking accountability and asking for help, they’ll get there.

I feel so much compassion for this young man. Life is so hard for young families today. He sounds so broken yet looking for help

Lots of love to the caller and his family! Your family is so lucky to have a father who is sober, loving, and supportive. Larry you can do this!

I really hope Larry makes it. You could hear his humble voice.

Flunked out of my first college because I was embarrassed to ask for help. After that I realized I should never be embarrassed for asking for help some things you just can't do alone

@Mjixa

3 ай бұрын

You’re absolutely right, as Obama said “ I myself still need help even living in the White House “.

Larry, keep the faith 🙏🏼 Yes, your family needs food, shoes, and shelter but what they really need (and have) is you. You’re sober man, praise the Lord. Addiction often accompanies other issues. This will be hard but you can break these cycles of addiction and poverty so that your family won’t have to go through them. The cycle breaks now. I will pray for you brother, this is temporary. Don’t give up, you can do this. 🙏🏼🙏🏼🙏🏼🙏🏼🙏🏼

I genuinely mean it when I express my stress and concern regarding the market crash and high inflation, particularly in relation to my retirement. I have been experiencing losses for quite some time, and while some may argue that crises can present opportunities, I am feeling overwhelmed. However, I understand that investing is a long-term endeavor, and it is crucial to maintain focus on the bigger picture and the long run.

@Golda-ln3ri666

3 ай бұрын

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

@RolandeKretzschmar5

3 ай бұрын

how do I get in touch with this consultant that assist?

@Golda-ln3ri666

3 ай бұрын

STEPHANIE KOPP MEEKS

@RolandeKretzschmar5

3 ай бұрын

Thanks for the info . Found her website and it really impressive

My aunt passed and I inherited some of her portfolio with Fidelity and cash savings, I’m 28 with about 400k cash in savings and as usual everybody’s preaching invest, so what stocks are a good long term buy, only major purchase I intend to make is buying a home in 5years from my returns

@_davidturner

3 ай бұрын

Lucky you, I’d buy a lot of tech stocks and Dividend portfolios with that.

@clintscott3300

3 ай бұрын

Don’t come to KZread looking for KZread advise, instead contact a fiduciary for proper guidance.

@FranciszekPawal

3 ай бұрын

Same, I just use KZread for research purposes, I run all my major investment through an investment adviser, the market is just too unstable to handle things on your own.

@ivymaddison

3 ай бұрын

How do I reach out to a financial advisor? my portfolio has been struggling since 2022 and I’ve been holding on by the skin of my teeth.

@FranciszekPawal

3 ай бұрын

monicamary,strigle is my fin-advsior, you’d find details if you look

We are on a combined $200K and we still live month-to-month. We do have 2 little ones in daycare so that costs us about a 3rd of our income. The mortgage is another 3rd. It doesn't leave much for everything else.

@gailhoover9263

3 ай бұрын

Would you ever consider staying at home with your kids? Seems it would be so much less hassle and money. Then, a few years in the future, when they're in school full-time, you could go back to work. Probably would save $ on food, clothes, etc.

@AAA79797

3 ай бұрын

@@gailhoover9263the savings from staying home without daycare, is less than the money they would get from working…

@AAA79797

3 ай бұрын

@@gailhoover9263assuming the income splits half, they would lose 167k over 5 years... please don’t consider a job in this field…

@ryant2568

3 ай бұрын

​@@gailhoover9263 We did seriously look at this for a while. The issue is that we both earn around the same wage (around $100K each) so either of us becoming a full-time parent would really make things tough as our mortgage is around $700K.

Always make sure to cancel subscriptions and yoga classes/instructors to save a ton of money!

@thomasorchard

3 ай бұрын

Depends on the value you receive from the subscriptions/training you get.

@BrianMiller1973

3 ай бұрын

@@thomasorchard I think he is referring to the stuff you have on auto pay but forget to cancel when you no longer use them.

@blackworldtraveler3711

3 ай бұрын

@@BrianMiller1973 Yup. I think that is the whole idea behind pushing subscriptions. At least with magazine subscriptions back in the day you had to physically take them out of mailbox and see the unread magazines pile up on your coffee table or night stand but now there’s nothing tangible to remind you. Makes you wonder how many forgetful and deceased subscribers are still on autopay every month.

@front331

3 ай бұрын

What if the female instructor is wearing yoga pants?

This dude made me start tearing up, he’s gone through hell. He didn’t want to become addicted to opioids but he’s the prime example of doctors being too lenient with pain killers. He’s done something so important here asking for help. He will get through this and the most important thing is to keep strong and be open with your atruggles

Poor guy. He’s really showing his vulnerabilities. I hope he does ok.

I like a guy like this, admitting he screwed up and wants to change rather than these single moms that call in and are given 5 different pieces of advice and argue why they are such a victim and cant do this and that. I wish this guy well

@BeaBelfastVideos

3 ай бұрын

Plenty of callers - married, single, men, women - have put excuse after excuse when given advice. You must have some beef with single mothers (who are often "warriors" as Dave calls them) to make such a sweeping statement.

This call broke my heart. I was hoping they would have gifted him a session with a financial coach. Praying for Larry and his family.

@sandrab.3538

3 ай бұрын

A coach would help get things set up and answer questions as they arise, yes. I really hope he/they give it time and keep working at it.

@Christine-777

3 ай бұрын

I'm so grateful that Mr. Larry called in, and they took his call! He sounds as though he's desperate and desperately seeking the answers to help get him through, and out, of this situation. Mr. Larry, sir! You are very much halfway out of this deep hole you and your precious family are in!! I didn't find myself in a "got myself into some trouble", but my family was in "dire trouble." Our firstborn began showing medical problems, and the doctors and specialists couldn't find a duagnosis. After just a couple of years, his long hospital stays, expensive tests, and specialists, maxed out both my husband's and my medical insurances. In addition, we had a toddler and newborn when his pediatric neurologist advised us not to have more children. Shortly after, he was diagnosed with a terminal progressive degenerative recessive gene. I had to quit my career to become his sole caretaker, and because we could no longer cover daycare, along with all of the monthly medical equipment and supplies, and unexpected hospitalizations. Sir, seek God and follow Financial Peace University's "Baby Steps" to a tee. With God, you've got this!! You just don't know it, yet! With your amazing courage to call in, Miss Rachel gifting you FPU, and God's guidance and help, you will see the bites taken out of your elephant-sized debt bit by bit, and chunk by chunk. I assure you, sir! May God continue to carry you through this trying time! 🌱🙏💜🪻✝️🌿

This guy will make it, he is able to be honest with himself and others, in can see the problem address it, most folks can't be honest with them selfs . He will MAKE the CHANGE.

My family makes 90k, 4 kids in Phoenix, but I still consider us middle class, because we tell our money what to do, our money doesn't tell us what to do.

@truegrizzlesfan2292

3 ай бұрын

That's pushing it. I make 180k along.

@ClaxtonBay123

3 ай бұрын

You are literally middle class based on those numbers

@johnnymichael1804

3 ай бұрын

​@truegrizzlesfan2292 same here man. 324k here.

@BrianW211

3 ай бұрын

Why do you say "I still consider us middle class"? According to the US Census Bureau, middle class household income for 2024 is $50K to $150K. You are in the middle of the middle-class.

@andrewbryner2187

3 ай бұрын

Though the average household is 2.68 persons. So your household of 6 would be at or below the median.

I love the empathy and understanding they show callers. Too many financial advisers on social media treat people like they're weak or stupid because they are in debt. Dave's show respects the variety and complexity of the human experience! This allows people to open up and get the help they need.

Blessings to this young man, and his family. Larry just keep pushing, you will get through it.

I hope success for this dude. He will succeed.

it's the FOOD. food has become so expensive. whether you eat out or eat at home, the cost is just ridiculous. I am really into healthy eating so i always tended to overspend on food but now a 1/4lb burger combo meal from five guys costs more than most people earn in an hour.

@hunterdavis2833

3 ай бұрын

That’s so true. I started a new job about a year ago where my income was nearly tripled and thought “wow this is going to be so easy now.” Wrong. I’m traveling more than 50% of the time and I’ve come to realize that my food spending sneakily became a major financial hurdle. And I’m not even buying fancy meals. Like you said even fast food burgers are more than hourly wages in a lot of cases. It’s absurd!

@pdxmusl1510

3 ай бұрын

I keep hearing about food prices. And during the main part of the pandemic, yeah, they went up. But they have come way way down here. I just don't see how food prices are an actual problem for people. Unless you throw away more food than you eat. But if so. That's the problem. Pre pandemic I would spend 30-50 per week on food. Now it's more like 35-55 or so. It's really close. It's things like bread & potatoes & meat. Those things haven't recovered here. So I just have trouble seeing food as a real budgeting issue.

@yanwain9454

3 ай бұрын

@@pdxmusl1510 in many states, a mcdonalds combo meal is now $18. the price of meat hasn't gone up too much where i live, but the price of everything else has. paper towels are like $2 a roll now. for someone who is struggling to put together $1,000 like this caller, it becomes a huge hole in the budget.

@yanwain9454

3 ай бұрын

@@hunterdavis2833 i often overspend on food and honestly, the inflation has made it even worse because now i justify spending a few dollars more for fancy meals because it's like $24 for a five guys burger vs $26 for a "fancy" meal that feels more like it's in line with the outrageous price.....the $26 "fancy" meal is literally bacon, eggs and toast that is made of real food, without chemicals by someone who washes their hands, nothing more than that......this used to be $3.50 at any diner in the country.....less if you didn't care about the hand washing

I could feel his pain and hurt! You are extremely brave for sharing as you did. Life is going to get better. It’s going to take time and it’s going to take work. You and your wife can do this.

Kudos to this man calling for making the move to better his and his family’s life. Nothing to be embarrassed about.

Oh man, this brought tears to my eyes. 😢 I really hope he can get on top of this.

We're rooting for you, Larry!!

This was an absolute tear jerker. You could hear he really wanted to do right by his family. I hope he’s still on the right path

Credit to you for reaching out and wanting change. 2009 I was nearly bankrupt, single parent living in my parent’s granny flat as a broke small business owner. The shame I felt nearly ended me. Fast forward and I am now a teacher, home owner, debt free, still single and living my best life.

God bless you and your family. You’re taking the right steps to enrich your family’s future.

I am praying for you and your family Larry.. Keep going..

This was my home 6 years ago...can't imagine trying to fix it with this economy. ❤ 🙏 praying for this man and his family

He ind of answered is own question. He said "I honesty don't know where the money goes". He needs a trust budget he follows

I pray him abundance, love & protection to this man🙏🏼

Good job staying sober 🙏🏿

I stopped drinking and probably saved me 300 a month! Just a start cause my habits tend to eat up my money

This really hits home. Once I started really looking at numbers it just makes sense. It’s just taking those steps and making the conscious decisions of not spending so much

❤❤❤❤ prayers for this young man and his family 🙏🏽🙏🏽🙏🏽🙏🏽

You can do it, Larry. Don't give up. It's always darkest before the light shines through.

Girl I was thrown off right with you. Take care of you & yours. You don’t owe us any apologies or explanations. Praying for your peace this month and continued prosperity ❤

Prayers for this family for wisdom, health, and doing the next right thing. Heavenly Father, Please help this man in his walk with You.

I owed 52k on a proposed I bought with a Heloc. Rates were low. Big mistake. Thanks to Dave I was able to pay off that debt. And saved for a new roof plus fencing. Total of 82k. No loans.

what a heartbreaking story! I hope he finds his way !

Praying for you Larry. God will see you to it and He will see you through it.

As someone who lives in newburgh it blows my mind someone is calling this close to home

@latoyal.2622

3 ай бұрын

I’m actually from there and it’s heartbreaking to hear. I’m rooting for him!

@jrmodz6029

3 ай бұрын

@@latoyal.2622 nice

God bless you and your family Larry!

Hate when people say "we had to". Everything is a choice. Some choices are necessary but when we acknowledge our situations and that we happen to life instead of life happening to us we can gain control and momentum to remedy the situation

@blackworldtraveler3711

3 ай бұрын

One of the reasons I always call it first world problems.

Rachel, you have a kind heart!

I don't understand why this is so complicated spend LESS money. If you want to lose weight you eat LESS food. The principal can be applied to many areas

@AAA79797

3 ай бұрын

yes but CPI is up 20% in 5years, inflation nearly 48% in 10, and rent up by 25% in the same time. with vages increasing only few%

@AAA79797

3 ай бұрын

just 5 years ago, the same income that would have been able to keep you afloat and afford you room to save, is now barely scrabing by and sometimes not even that…

I have benefited by learning a lot about nutrition and only buying groceries on the outside of the isles and not the middle section were all of the. preserved food is.

It’s amuses me that people don’t know where their own money is going. You put in the blood, sweat and tears into your paycheck. I would think you’d want to know where it’s going. But since he disclosed he had an addiction of some kind, that explains it.

@nickm4662

3 ай бұрын

Our society is setup to where we’re constantly being bombarded with opportunities to spend money. It’s very easy to lose track. Fast food, subscriptions, medical costs, car maintenance. The list goes on.

@kay22100

3 ай бұрын

Why are you here Mike? Do you realize most people who start Dave Ramsey don’t have a budget? Do you realize some who are millionaires now did not have a budget initially until they found Dave? You seem to be on the wrong page since you’re so out of touch with many people’s realities

Great call! Great advice!!

you deserve better for yourself Larry, you're not your past, you want it and you're going to find it.

U got this Larry! One day at a time Brother

My folks lived in Evansville for 3 years (on Sunset!) NICE little city........Id live there

My heart is heavy for him, I just hope he knows it will all be ok.

Really good to think about trying to save until I have some of my last pay check until my next check comes..on addition to my emergency fund.

My husband and I feel the same about our economic situation. Sounds like a good man.

I feel him. $80k pay check to pay check. I feel like it’s always something. A few years ago I was barely making 22k and had less stress. I just want to know when I’ll be able to breathe.

With everyone’s thoughts and prayers for this man’s family and him he will be fine. By Gods grace amen.

Car repairs r a huge hit but… majority of car issues you can fix on your own, KZread it, is it hard? Hell yea, but it’s either dedicate a weekend to fixing it or 1k in labor to fix it

The pain in his voice just breaks my heart

The guy is broke and these people are selling him a subscription 😂😂

My two favorite hosts ❤

Rachel is the best! 💜

If Larry is getting the upgraded/paid version of Every Dollar from them, he can link online accounts and doesn’t need to do any bank system printing. It might be easier that way.

Felt that on the emotional level

Congrats on getting sober. Follow what they tell you and you will be able to do this.

the moment he said that the mother of his kid is not his current wife I understood where the money is going. It's literally impossible to have a normal life if you are a man divorced with kids.

I wonder why ex addicts always sound so frantic and scattered when they talk, is that just from the drugs/alcohol? Like they always just ramble on and on about tangential things when you ask them a simple question, and use tons of meaningless filler words. I'm not negatively judging the guy, I commend him for getting clean and trying to better his and his families situation, I've just noticed that is a consistent behavior, and you can always kinda tell someone's history from it.

Wr use the paycheck ahead method to basically have the $1000 emergency fund. ✔️

You don't need an every dollar app, just look and be aware of where and how much of your money get spent. Buying uncessery stuff and debt sure will eat away your paycheck in seconds.

Whole new wardrobe ...time to thrift my man

Is it normal to have 3 kids and be an addict? Sounds like an odd combination.

I was going to say, man he needs to slow down a bit and give him some grace, he’s talking a 100mph”. Then I realized I watch videos sped up… 😅😅😅

Man I really felt this mans pain

Sin will take you farther than you want to go, it will keep you longer than you want to stay, and it will cost you more than you want to pay.

Everything is so expensive micro transactions are killing the savings

Go larry go larry go larry we are rooting for u man.

Why is he paying 14k in a repo??? The title holder would’ve thrown it to auction and gotten something back. Something fishy going on there

I think it would be OK for the gentleman who is trying so hard to get ahead to visit food banks and put the cash he earns on the. bill that seems to bother him the most (maybe the payments to family members).

Smart

They need to stop spending so much money on crap they don't need.

He tries. “Try” is not in my vocabulary. You either do or you don’t.