Rachel, go ahead, say it, beans and rice, rice and beans, no more eating out at restaurants unless if you're working at one, LOL!!!🤣🤣🤣🤣🤣

Fuel transfer engineer sounds better than gas station attendant! 😅

People commenting....give the guy a break! He made the call and he's trying to get things rolling. Blessings to Rachel and Dr. John.

@HiAnthonyA

Жыл бұрын

Exactly

John using his standard “you’re tired” line.😂😂

@stevenporter863

Жыл бұрын

I always laugh when John asks that. What someone going to answer, 'no, I am not tired''😂

@krobdawg

Жыл бұрын

That's his ol reliable lol

@JustinCase780

Жыл бұрын

Some people "are tired" of always hearing the line. 🤣

@Ryan_DeWitt

Жыл бұрын

Everyone is "tired" to some extent. It certainly isn't an excuse.

Stop school and work multiple jobs. Work work work and then work some more. Stop spending.

So much advice given on this channel fits everywhere on the planet, I am in the UK and have taken so much good advice from you folks, thanks!

lol at Johns serial killer comment

@stevenporter863

Жыл бұрын

Rachel's reaction unintentionally added to the funny comment.

@jimmymcgill6778

Жыл бұрын

Yeah, Like where did that come from. And the way Rachel reacted to him saying that.

This dude has no pride and a ton of excuses. 26 and willing to take a $1k loan from mommy? Good lord!

@baconblaster6422

Жыл бұрын

Bro I know people in their mid thirties who took help from their overly wealthy boomer parents . It is what it is.

@baddog6003

Жыл бұрын

Not everyone can be as flawless as you

Studying accounting and being sued for not paying his debts. Ok

@oneaboveallferrarifan2725

Жыл бұрын

Bad for resume 😂

@katiejon17

Жыл бұрын

He’s a real Stacey Abrams.

@DeadRaterMI

Жыл бұрын

in accounting they teach you about financial statements and taxes, finance class is related to business. there's no personal finance course in there.

@katiejon17

Жыл бұрын

@@DeadRaterMI I took grad-level accounting classes and if you are at *that* level you already have the 5th grade basic math levels that personal finance requires. We're talking basic addition, subtraction, multiplication and division - we aren't talking anything even middle school level.

What goes through the mind of people who are still working but just stop paying back bills? They get the emails, they get paper bills, they even get phone calls and just don't pay back debt then panic when they get sued.

@pattyajones

Жыл бұрын

How does this help him? People do what they do. I may not agree with it....but we don't know that they are dealing with.

@stevenporter863

Жыл бұрын

Exactly. What they think will happen? They think if they ignore, the creditors forget about the debt and it goes away?

@Ryan_DeWitt

Жыл бұрын

What amazes me is people don't pay, get tons of warning letters and calls, then get sued and seem shocked.

@Ryan_DeWitt

Жыл бұрын

@@pattyajones We all have a lot to deal with. We still pay our bills and don't make excuses.

@jimmymcgill6778

Жыл бұрын

Food and rent comes first. And he makes so little.

Why would his mom, is willing to loan him money, allow him to be “near homelessness”? He has a victim mindset; the CC deserves to be paid the money you charged.

He said he is studying accounting 🤦🏾‍♂️ 😅

@kevinb8881

Жыл бұрын

I KNOW RIGHT!!!

Pay your debts. This guy is suspicious AF and has a ton of excuses. What is "near homelessness?"

@SilentEire

Жыл бұрын

He’s probably a recovering addict trying to get back on his feet. Everyone is capable of redemption

@katiejon17

Жыл бұрын

He’s a master as making himself a victim... of his own choices.

@paulinoaz

Жыл бұрын

Near homelessness is when you are sleeping on friends couches and floors because you never had a stable home. It is asking friends if you can stay another night and hoping it is ok because if it is not you don't know where you are going to go.

@katiejon17

Жыл бұрын

@@SilentEire yes, everyone is capable of redemption. But nowhere in his call did he acknowledge that *this* was an issue. So either it is not an issue (which is likely), or it is... and his not even being able to say it indicates that he is not looking for “redemption”. Either way, the facts don’t change. He needs to leave school and pay off his debts. Simple.

What?!? You're being sued for not paying your debts?!? What is this world coming to?

@stevenporter863

Жыл бұрын

🤣🤣🤣👍

@Ryan_DeWitt

Жыл бұрын

@Matt Jesus can loan him the money then. Other people expect to be paid back for the money that you borrow.

I owed money in my 20s, everyone gets their money back. I said i would pay it back, and i did. I never played a victim.

Details are missing. What is he buying? I smell some kind of addiction and entitlement issue mixed.

@katiejon17

Жыл бұрын

He’s been buying a whole lot of things he has no business buying at all.

So many of the comments are really negative and insulting to this guy. Guess what? We ALL have issues - MD's and psychologists can attest to this fact. Writing negative comments may well increase your cortisol & stress levels people, c'mon and be a little supportive of the callers! He's working, he's studying, he's committed to clearing his debts, there's a lot of positivity in his life.

@Outrageousconduct

Жыл бұрын

Ok snowflake whatever u say

@katiejon17

Жыл бұрын

The problem is that he should *not* be going to school right now. He’s a grown man that knows he needs to be earning more to pay off his *consumer* debts, and he clearly does not want to. Zero pity.

Even data entry jobs pay more than that and all you need is basic computer/typing experience. All of that is free on the internet.

Even a lot of basic jobs pay several dollars more an hour than $13. Even McDonald’s now pays more an hour than that.

Daumn... this is rough. You can hear the weariness in his voice. I hope he can hunker down and get through this.

Shocking. Yeah they want their money. He sounds offended.

@Ryan_DeWitt

Жыл бұрын

@Matt We all go through tough things. No one wants to hear excuses.

@Ryan_DeWitt

Жыл бұрын

@Matt I'm not religious, so I don't care.

@baddog6003

Жыл бұрын

How does he sound offended? Did we watch the same video?

Lol @ Rachel’s reaction to ion

a lot of places $20-25 an hour? Where at lady?

Well at least he didn't just go the Bankruptcy route ... He asked for advice first to figure out a turn around

Some people call into this show not because they’re seeking help but to make themselves feel better about their bad decisions. This guy had tons of excuses, people have been in worse debt and paid it off without being sued. Homeless or not it’s his fault.

Agree he has a spending problem but he has an income problem. If he gets is income up he can take care of this.

These are my two favorite hosts!!

Randall is a available if anyone needs an accountant.

@stolensilver5811

Жыл бұрын

Best comment ive read in a while

@laneesha1000

Жыл бұрын

😂😂😂😂😂😂

@justinmusic1296

Жыл бұрын

He look, a constructive comment in a sea of finger-wagging idiots

The whole world is tired! Give me a break. Get to work! You’re 26! Get out of your self pity and get to work!!!

Dam, this guy is in a rough spot. Hope he gets out of it.

After this semester he should pause college and work 60-70 hours/week for a few years to pay off his debt and build up some savings.

@stevenporter863

Жыл бұрын

Exactly. It is pretty common to take time off school to build up cash - for a variety of reasons.

@lorepena3252

Жыл бұрын

👏🏽👏🏽 I was just thinking about that, and he is so young and say he is tired, sad , I can tell his life have no been easy, but 26-27 is super super young, he can get a better job!

"accounting, huh...?" :D

"Decided to sue me" Well buddy this is the only way for them to get their money back

@AllynHin

Жыл бұрын

Why sue him? Doesn't matter if there is a judgement against him. He still has nothing to give them. Sometimes they threaten to sue to see if they can scare you and get you to pay up, but if you have nothing, there's nothing to give.

@katiejon17

Жыл бұрын

@@AllynHin you have time.... and the court can order direct payments from his paychecks. People are trying to force “loans” to become “gifts”. He *lived” above his means and now he’s a “victim” because the time to pay it back is here. He’s a 26 year old man who doesn’t want to change his life to repay his debts.

@Ryan_DeWitt

Жыл бұрын

@@AllynHin Wage garnishment.

@Ryan_DeWitt

Жыл бұрын

@@baddog6003 Said he is from Missouri where I believe it is as it is in the majority of states.

I'm a deputy sheriff and for part time work I deliver pizzas for Papa Johns. I make right over $24 an hour in my LEO position and after breaking down my delivery job money as far as time vs tips, mileage pay and regular pay I make $23 an hour for Papa Johns. This guy needs to start hustling. Quit that BS gas station job and do sumn else..even fast food is paying more that $13 an hour

@donaldlyons17

Жыл бұрын

No he might need a job that don't tax him too much. He already said he was tired.

@thefox4279

Жыл бұрын

@@donaldlyons17 If he's making $13 an hour he is definitely not getting tax much. He is in his 20's so he should have plenty of stamina and in his case drive to be better. Maybe he needs to quit depending on mommy and grow up.

@drewdelaney4166

Жыл бұрын

You underpaid brother putting your life on the line in Law Enforcement. You shouldn’t have to be burning both ends of the candle like that being a first responder. You making nearly identical hourly delivery pizza driver then deputy sheriff?! No wonder police agencies are in dire straights with recruiting new officers. Ain’t worth it for most. Juice ain’t worth the squeeze

@donaldlyons17

Жыл бұрын

@@thefox4279 WHAT just because he is young does not mean he can just get a better paying job!!! Ability to work does not mean a ok paying job will just hire him. At his income he may have a hard time doing all types of stuff. When I was making 12$ an hour prices were cheap but at todays prices even access to the basics is super complex with the legal minimum at 11$ where I am now. With buying power problems it only gets worst not better!!!!

What do you do when you become chronically ill and have not been able to work and can not work. If a person can not pay the credit card debt what do these people do when they are disabled,

I'm guessing, that he let this happen, so he can settle them for pennies on the dollar.

@jokerharley1271

Жыл бұрын

That's what I'm doing

@Ryan_DeWitt

Жыл бұрын

Not going to work because they are suing him. Unless he decides not to work at all, they will likely garnish his wages since he is in a state where they can.

Working things off with mom is a good plan if he’s making $20 an hour from her. Then it’s no different than getting a better job. Better, actually, given nobody is paying taxes on it. It’s a good fast start.

In other words I have $0 dollars.

NOBODY KNOWS THEIR RIGHTS! Smh! Who is the original creditor?!!!! YOU!!!!!!!!!!!!

I like the advice but they have to stop with "Go find a job for $20 minimum" as if that's possible :/ college graduates aren't getting paid $20 and $25. And in his scenario he should be on a student loan and a part-time job so he can pay his debt and live on minimum means , so he can focus on his studies, get high grades and possibly land a good job. Graduating with low grades. Minimum knowledge , debt free is not going to help him in his career.

don't take any money from mom. then don't pay one cent unless the debt is cleared with that payment. wait. time is on your side. otherwise let them sue you. you will be better off long run. just check your state laws on debt too. as at some point you may not legally owe it.

Wow I’m shocked by the lack of sympathy in the comment section and so much judgement. Interesting to see how it would be if the tables were turned.

I applied for a slightly ambitious car loan today and hearing these types of WILD situations makes me feel a lot better😂😂

Get a job at your college and get free tuition after you have worked there for a year. Maybe less maybe more. Get benefits. Get awesome retirement plans right off the bat if you get into a professional technical union.

He is studying ACCOUNTING,go figure he is already a Crook

Mehhh just dont pay and disappear

I don't think this was fair to Randal. Was it a debt collector or credit card company. There are a few things he could of done before what you all told him.

lol "Just get another job!..." Classic. As if the world really worked that way.

note: one job at 18/hr allowing 60hr/wk with time and a half overtime = 40x18 + 20x27 = 720+540 = 1260. This would equivalent to two jobs totaling 60hr/wk at 21/hr. Point is, it's not necessarily a matter of who offers the best normal hourly rate, overtime rate is a consideration. (health insurance is too but could be skipped for healthy young man). In the logic of the CC suing: it is unlikely that they truly believe they can get more than the cost. So, it is really a bluff to get you to cough up. Hence, there is room to negotiate.

@adamseidel9780

Жыл бұрын

lol, overtime. You’re not getting paid overtime for anything.

@MrCleanMachine48

Жыл бұрын

After taxes that’s about 850 a week.

26, yikes. Get your act together.

@drewdelaney4166

Жыл бұрын

That’s wicked young

This dude clearly wants to get money without putting any effort into it. Don't bother even trying to help this guy. He's just letting the world happen to him.

@katiejon17

Жыл бұрын

🎯

@drewdelaney4166

Жыл бұрын

Not that simple

@choicemeatrandy6572

Жыл бұрын

How would that be helpful? The guy needs advice and a wake-up call. He shouldn't be working a $13/hr job or even going to college right now. What he owes isn't a life changing amount but it's totally do-able if he grinds it out for a year.

where is Dave

Amex is known to sue.

@FATmenDRIVEtrucks

Жыл бұрын

So does Discover

@AllynHin

Жыл бұрын

My money is on Discover. I doubt that guy got an Amex card.

Quit your job and finish school. Accounting is a great career.

America the broken.

@stevenporter863

Жыл бұрын

This isn't an America issue. It is the caller not paying bills.

@stevenporter863

Жыл бұрын

@Matt Simple minded? If he wants more than simple minded generic advice he needs professionals or social workers, not a radio call in show. Since it is a radio call in show the answers are general bite size headline type advice and not getting too deep into the weeds. Only so much can be resolved in a few minutes. The point is to not ignore and pretend the debt doesn't exist until forced to acknowledge them because of a being sued. Call the creditors - they would be more willing to work with you than lose 100%. Once sued collection agencies get involved and it gets much more complicated.

Strange fella

Hmmm.

Dexter DeLony.

✝️🙏

@lukeharris2622

Жыл бұрын

@Matt ok?

Rachel’s advise is so weak compared to her dad’s.

@Ryan_DeWitt

Жыл бұрын

Yes, but when she has to deal with flaky women, she doesn't simp out like Dave does and will call them out.

@davecopp9356

Жыл бұрын

@@Ryan_DeWitt Exactly, Dave is a simp when it comes to holding women accountable.

Pay your debts. Simple. It is tiring and infuriating, but this is how we live. I am wondering if no one (ie parents) has taught him about the responsibilities of paying debt.

SRB "Brandon Lee was here /at Starbucks / o.k were on the gangsta "disciples / it was where "j prince e came from / ,.. oh and I here they are listening / that's why they told you / to ask me for , you names /he's not really talking / and "Hemlur did indicate , he had a hand in this "circumstance too / but and "l.a tried , did kind of say he was targeting tem / because they were a blast on the community / (and I suspect muggings and their to accompany his discing)/ SRB and he was targeting "Kenny (my DNA doner) to because he "Larry Hoover got him caught