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"It isn't how much you make, it's what you do with it." (Wisdom my mom told me when I was very young.)

@Musicienne-DAB1995

2 жыл бұрын

Never has that been more true!

@teresaevans4840

2 жыл бұрын

Exactly!!

When someone avoids a question not once twice or three times it’s a red flag 🚩 I don’t think we got her entire story

@Stormy_Dawn

2 жыл бұрын

Yup!!! She's skating around some bad habits.

@thomasorchard

2 жыл бұрын

I found her to be incredibly difficult to listen to.

@laanierhae

2 жыл бұрын

I had trouble understanding the purpose of the call. She doesn't know how much debt she has, so is she in financial trouble or not? She makes $71K a year, her child will receive free in-state tuition, so what is the issue?

@YanilleCastillo

2 жыл бұрын

@@thomasorchard I just discerned I don’t know if she was embarrassed or intimated of what anyone would think but I discerned she didn’t tell the entire truth .🙏🤷‍♀️maybe I’m wrong but that’s what it sounds like to me esp when u avoid questions back to back. I wish she would of because he could of helped her more if she was 💯 honest about entire situation. Maybe I’m wrong but that’s what I picked up

@musselmanmedia5236

2 жыл бұрын

@@thomasorchard most woman talk wayy tooo much

She's not being honest with them. I hope she at least learns to be honest with herself. Write out everything and get the full picture.

@nephetula

2 жыл бұрын

I think you're right, she's dancing around every question they ask.

John broke it down well with his statement about caller creating chaos.

This is why I like the baby steps. They are so good, no matter where you are financially.

She should bring her children to every class. The result can be two young people growing up and never be stupid with money.

The way she danced around the simple numbers questions indicates there’s a lack of accountability. You don’t call into The Ramsey show and not know the numbers off the top of your head. The age thing was a joke. Too bad she doesn’t have a punchline for the serious questions.

She can benefit from a Financial Peace Coach Advisor...to give her guidance and accountability! Thank you for your Service to Our Country 🇺🇸🙏❤ You can do it!!! Focus on the NOW!!!

Your kid being able to go to college in-state for free is a great thing.

@daveray6335

2 жыл бұрын

It is good for the recipient, bad for the bill payer(s) (when that payment is not voluntary).

@Originalman144

2 жыл бұрын

Absolutely right! Not sure why she down played it…

I can finish listening to this call. She’s frustrating the heck out of me.

@Originalman144

2 жыл бұрын

Just imagine what the father of those kids went through 😂 she ran him away like a stray dog.

@Musicienne-DAB1995

2 жыл бұрын

@@Originalman144 Well, we don't know the situation there. Best not to use ad hominem for situations we don't know.

@Originalman144

2 жыл бұрын

@@Musicienne-DAB1995 I don’t need ad hominem, it’s called inference and decades of experience.

This lady is totally discombobulated.

@thomasorchard

2 жыл бұрын

Yes. Very hard to listen to.

@karimbennett5651

2 жыл бұрын

I don’t know if she knows how to use Microsoft Excel but she needs to get an Excel template and fill her financial life into the cells. Then, she will have a holistic picture of where she stands, and will not be so disorganized.

@tmusa2002

2 жыл бұрын

Good news is that she’s not in terrible shape…as long as she wasn’t forgetting something.

I'm a permanently and totally disabled veteran too. To be able to have your kids go to school for free is incredible. Most people have to get student loan debt.

@KiLLED5639

3 ай бұрын

I had no idea that was a thing and I'm a P&T disabled veteran too.

I think 🤔 there is more to why she keeps going into debt aside from not having work sometimes

@Je.rone_

2 жыл бұрын

Hullo

@LetsTalkPersonalFinance

2 жыл бұрын

@@Je.rone_ Hi 👋

I have been in financial mess, I have made terrible mistakes but I will follow your guide as if I am in the military because today, people like me win. Thank you sir

@turtleanton6539

6 ай бұрын

Yes😊

Videos like this remind me to be appreciative of good physical and mental health and work to improve it

This was frustrating to listen to. When you call in, you should have your numbers ready. She was all over the place the entire call

I think she told the truth when she said she was broke. She's spending her money but wasn't telling him the full truth.

Her personality is awesome. Her immediate reaction was I lie about that number a lot. Lol I love it.

I don't understand the urge to impress your family or neighbors with a cool car when you don't even own it. It just feels fake.

*"It is not how much we have, but how much we enjoy, that makes happiness." Charles Spurgeon*

@aziz5556

2 жыл бұрын

Why are you spamming though

@Brian-hd4rb

2 жыл бұрын

yeah nobody asked

Financial peace university you know what they teach... LIVE BELOW YOUR MEANS AND SAVE!!!! There is NEVER a reason not to save... do you wan to be like this person, kids going to university and you have nothing. She makes $40K PLUS $31K... $71K per year and she can not save???!!!! I don't think she lost her focus, I think she does NOT live below her means... I bet she has a newish car and spends like crazy.... I don't think she spends her money on music lessons, tutors, sports for her kids, etc... STOP going to restaurants, get rid of cable, stop buying apple, leave your cell phone provider and go to mintsim... AGAIN, you need to live BELOW your means.

Great advice Dave!!

Some people are treating debt in the same way alcoholics treat liquor!

Here before spammer Casey Burns? No. No I am not.

She sounds like a scammer trying to get her CHECK. She does not have focus.

Yes how we talk to ourselves is important!!!

Don’t know how old you are or how much debt you have? Weird.

@moroccanamerican1387

2 жыл бұрын

May be she deosn't want to know😂

@karimbennett5651

2 жыл бұрын

Disorganized thinking. She’s still frazzled from her life experiences, it seems.

@FatMenace

2 жыл бұрын

The age thing was just a joke

This is always sad to see, I hope they get out of it!

She's just not ready.

Wish I knew what Dave was laughing at in the beginning. lol

@BeaBelfastVideos

2 жыл бұрын

Looks like someone greeted him from behind the cameras.

Dishonest money dwindles away, but whoever gathers money little by little makes it grow.

I had no idea disability pays that much..

@marbs8615

2 жыл бұрын

same!

@thomasorchard

2 жыл бұрын

Me neither. I might try to get on disability too.

@Sizukun1

2 жыл бұрын

Why work when you can make average income by claiming to be disabled.

@thomasorchard

2 жыл бұрын

@@Sizukun1 Exactly. I feel like a sucker for working. I could get on disability instead.

@megalodon1726

2 жыл бұрын

She's getting military disability. It's not the same as what civilians would get.

I hate when they hem ha around, they drive me nuts!!! It's hard to listen to her.

Put the boys on the phone, they will tell the truth about what the mom is (not)doing😐

She needs to tell the truth. And the fact that she has nothing is her problem. Now she needs to fix it, so fix it. She knows what to do - she just doesn't do it.

"Follow orders like you're in the military". Uncle Dave knows where to reach her 👍🏽

Dave is so sharp about his insights.

What the heck atleast have the information written down before you phone

That woman gave me a headache wow

@thomasorchard

2 жыл бұрын

Me too

I will never go back

Loved the convocation talk at LU

She is 100% rated for service connection. The VA benefits really help in these situations.

She said “I think I’m 44,” when she was asked how old she is.. she said she lies all the time,.. 😮

Focus!!! Vision!! Focus!!

I'm still curious what they were giggling about at the start XD

@lo1bo2

2 жыл бұрын

I'm smiling to myself thinking of outrageous guesses that have zero chance of being true.

@insideoutsideupsidedown2218

2 жыл бұрын

Someone told a Dad joke, what else could it be?

@billiejoe413

2 жыл бұрын

I’m guessing ….. in the lobby there was an adorable baby/toddler grinning ear to ear playing with his family. 😍

@James-vj5hz

2 жыл бұрын

Looks like they were waving at a kid

@tmusa2002

2 жыл бұрын

Dave’s grandkid was in the building waving to him….

She sounds like a habitual liar lol

How do you not know how much debt you are in?

This lady is all over the place

that joke about her age was great

Spin Master!

She needs to follow the simple debt snowball method ❄

She doesn't have a grasp on how old she is 😳

Confusing call

"Hold on" 😅

Read the title, thought we had a good start for a country song.

No lie, I trust Kelly from this show to pick up the phone more than anybody in my actual family to pick up the phone 😂… ol girl is the GOAT!

Shes scamming

How can you claim full disability while working full time?

This call ☎️ gives me a headache 🤕

@thomasorchard

2 жыл бұрын

Me too

She’s looking for another handout.

I am glad this lady has served her country, and I am sorry for her physical and mental problems. Unfortunately, her habit of evading questions and not understanding her financial situation has contributed to her repeated failure with Financial Peace University. Honesty has to come first. I know from personal experience how easy it is to lie about financial habits and debt, but it can only entrench anxiety. For someone with a mental disability, like this lady, sucha combination can be debilitating. I really hope she changes.

This spoke to me 😞

People, if you call the show please have some notes to keep it short and simple. These people calling and just going around in circles and rambling on isn't helping you or anyone

Did I understand that she's still getting disability while working? Isn't the point of disability for when you cannot earn an income? I have a mom who literally cannot do any job because she's in so much pain and they deny her. She can't do a desk job because if she sits too much there is pain, she can't obviously do anything physical because her shoulders are torn and she has damage in her neck and spine and spurs in her feet.

@andreamichelle1

2 жыл бұрын

The caller gets the military service-connected disability.

@des711

2 жыл бұрын

Disability, plus working full time, and saying she is looking for a 2nd job. I wonder how a disabled person can handle full time plus a 2nd job. She also receives a large amount for her disability

@SuperDannyrulez

2 жыл бұрын

@@andreamichelle1 oh that makes more sense. But still it does seem like a weird circumstance to get money for disability and then work. I guess the military has a different definition of disabled.

@andreamichelle1

2 жыл бұрын

@@SuperDannyrulez With the military, there are two types. One where you can work and one where you cannot. Also, some of the disability ratings are temporary, meaning when your injury or injuries are healed, you no longer qualify for disability. It's very different from the civilian sector. For instance, you go into the military and you develop sinusitis that causes you to have to frequently go to the doctor and be put on medication. Well, when you get out you can file disability. The rating is based on the severity of the issue that was documented while you were on Active Duty.

@megalodon1726

2 жыл бұрын

@@SuperDannyrulez yes, the military has different criteria for disability. They compensate veterans for injuries and illnesses they picked up while serving, it's not just about providing money because of an inability to work. For example, a veteran can get disability benefits for losing their leg, even if they can walk and work with a prosthetic leg.

So, what is the nature of the disability???🤔

Absolutely. Debt is a behavioral problem.

@achavez78

2 жыл бұрын

Hope you're doing good Casey. Looking forward to some new content soon Sir!

@appleforever6664

2 жыл бұрын

@@achavez78 - Casey the Spammer!

@appleforever6664

2 жыл бұрын

Casey the Spammer works on a Sunday! 🤦‍♂️

@multistack1502

2 жыл бұрын

@@appleforever6664 Spamming and leeching off others is a 7 days a week job

@cam4short

2 жыл бұрын

Dang, Casey, what did you do?? 😂🤦🏼‍♀️

Accountability is Kryptonite for women

@cataranneth8517

2 жыл бұрын

I am a female, first born and an accountant. Therefore, your statement is not accurate.

@yourgooglemeister6745

2 жыл бұрын

@@cataranneth8517 great! I'll mark down for one unicorn

@Musicienne-DAB1995

2 жыл бұрын

What does this have to do with the call?

@yourgooglemeister6745

2 жыл бұрын

@@Musicienne-DAB1995 she was blaming everyone except herself for he f-ups

@Musicienne-DAB1995

2 жыл бұрын

@@yourgooglemeister6745 Except when Dave told her she lost focus, she agreed.

Disability 40k job 30 k WTF

How do you collect that much disability PLUS a big income from a job?

@teresaevans4840

2 жыл бұрын

@Metal Mantis exactly

How can you get disability and work full time and looking for another job?

@Casinogirl56

2 жыл бұрын

I was wondering that too.

I have 30k in the bank but I'm broke. Possible but unlikely. If you have the ability to save. You have the ability to pay off things. I don't buy her story.

I don't believe a word she says

I love debt.

It didn't look like they were giving the caller their full attention. There was a lot of waving and smiling at people at the beginning of this video.

Budgeting is key 🔑

@matthewgardner2144

2 жыл бұрын

Wow, thanks for that insight, Shell!

@budgetwithshelly

2 жыл бұрын

@@matthewgardner2144 you’re welcome ☺️

@GR-uc1gq

2 жыл бұрын

Lol

500 Bible secrets to financial freedom. No degree needed!

@YanilleCastillo

2 жыл бұрын

Common Jean you can’t lose when u put the kingdom of God first take care of Gods will and his kingdom principles and u can’t lose I’m preaching to my myself. 🙏🔥😅

@alp.9672

2 жыл бұрын

This a joke

@jeanbaillargeon7154

2 жыл бұрын

@@alp.9672 Dishonest money dwindles away, but whoever gathers money little by little makes it grow.

I dont know if this women is telling the truth. Shes all over the place.

@Musicienne-DAB1995

2 жыл бұрын

She's definitely omitting some information, which is sad, because Dave Ramsey is never critical without being encouraging.

Disability pays that much?? Had no idea.

@megalodon1726

2 жыл бұрын

She's getting military disability benefits, not the same as what ordinary civilians would get.

Great call! This is what Dave's show is for - not people calling in with non-financial related questions or to flex.

So this has turned into storytime with the hope of a free membership.

Disability payments mhmmmm

Lol some women lie from the start smh.

Where is the husband. She should be getting child support.

@christopherwilliams6746

2 жыл бұрын

She probably makes more than him (or he's passed) If he had gotten custody (which is more rare for father's) she'd be paying him child support 😂

TBH listening to her ramble was chaotic to me.... Gosh!

I pray that God will encourage her and strengthen her.

If the disability is private insurance, good! You pay the premium and whatever the contract says, that's the benefit. But if it's public money, I object. She can work as shown by the fact that she is working. If she needs to improve her skills to make more, she can do it.

Disabled vet with medical bills. Tell me again why single payer healthcare is so great? She should be in that position. The other stuff her fault but the VA should be covering her medical needs.

@Musicienne-DAB1995

2 жыл бұрын

Well, I have my criticisms of our NHS system in Britain. However, from what I can see, the American system is out of control. People should not be going broke for medical procedures.

She’s funny

100% disabled......

Nononononononononononono

😎👌👍✌🖖😁

Jesus is your free gift to heaven when you believe in his death, burial and resurrection you are immediately saved.

I just lost some brain cells listening to her. 🤦‍♀️

She sounds undisciplined and lazy. There is no hope for some people.

@cataranneth8517

2 жыл бұрын

I don't think someone who works a full time job and looking for another is lazy. However, she is undisciplined and living beyond her means. If you don't know how much debt you have.....then you are also...clueless.

@Musicienne-DAB1995

2 жыл бұрын

Well, she has been in the military, so I would not assume that she is undisciplined. Whatever this disability is, it has definitely affected her organisation. At least she called Dave to admit to some of her problems and get some advice, which is more than others have done.

Jesus is your free gift to heaven when you believe in his death, burial and resurrection you are immediately saved.

@pinkiepie1656

2 жыл бұрын

I guess I don't get the free gift, then:)