This. Nobody seemed to understand that me staying home was saving us thousands!!!

I don't hate you. You're the reason I paid everything off and have zero debt. Without your easy-to-understand methods that you give people for free over the radio, I could not have done this. What you say works.

I agree with Dave. Keep the blunt, direct, and pragmatic talk coming. People have to wake up. Their financial choices in life sink them and stink to high heaven!

@theamerican7131

13 күн бұрын

amen

Ex private Pre-K Kinder teacher. Parents don't want to parent and actually be home with their kids. THAT'S the sad truth. They will literally go into debt to not be a fulltime parent.

The thing is I have never met a woman that regrets staying home with the kids. I have met many that didn't stay home and wish they did however.

@Nardaa-ox3be

14 күн бұрын

The biggest lie feminism spread is that women would feel happier exchanging kids for a career. Instead of working at home for your family, you’ve borrowed 150k in student loans to work for a corporation. You don’t save (based on statistics), can’t bankrupt the loan, can’t afford to buy a home on single income. But hey, they tell you it’s better to wear heels to the office than be barefoot and pregnant, so go you, you boss babe!

@terricox3559

13 күн бұрын

There's many people that you haven't met so with all due respect that doesn't prove anything

@terricox3559

13 күн бұрын

​@@Nardaa-ox3be hey incel, some women prefer one , some prefer the other, and the faster you get over that fact the less you'll kill yourself with bitterness. People who are scared of women need to get a GRIP

@LG123ABC

13 күн бұрын

​@@terricox3559He's probably happy to have never met YOU.

@PoorTinkTink

13 күн бұрын

They’re all over social media warning women about the realities of being a trad wife. Women take risks staying at home with the kids. Sometimes life throws curves.

Rachel and Dave’s dynamic is so entertaining 😂 love when these two are on here together

I freakin love Dave no filter and calls it like it is!

We’re expecting our third baby. I’m 37 and wife is 33. Our oldest daughter is now in prek. As soon as my wife got pregnant we figured it would be better for her to stay home With the baby. That has been best decision ever mathematically and emotionally. The kids will never get better care than mom’s care and love. I’m happy to be in the wild scratching for them

@marcosbacas7169

14 күн бұрын

Absolutely right.

@marcosbacas7169

14 күн бұрын

@@wordsalad01 It is so rewarding and it also gives you an unbelievable peace of mind that your children are at home with mom… I could say that my wife was born to be a mom, she enjoys it. she approached to motherhood as a job, and actually is a full time job. I’m outside fighting to put bread on the table and there she’s, inside, at home…. Giving love, caring and building a family. What she does is even more important than I do.

@hannahhowell7849

14 күн бұрын

​@@marcosbacas7169that was beautifully said.

@caliopeknows844

11 күн бұрын

Good decision. Also - do not let them have a computer alone in their room or cell phones. Public family room use only. Homeschool if you can. Save your kids! ❤

“Gucci daycare “ 😂

@mmkvoe6342

7 күн бұрын

I read a report of sorts by a dad sending his kid to kindergarten and discovering the "culture" there--like teachers and other parents badmouthing your family to each other if you weren't giving gifts to the teacher regularly and more--and I sent it to my brother and sister-in-law, who shortly will have a kid to possibly send to kindergarten. And they said they are sure this must basically be Gucci kindergarten...and to quite my dad, nah I don't think.

I feel Dave on this one. Some things just don't add up. So long as you're honest with yourself. Maybe the job means independence, challenge or personal fulfillment to the mother or father. In that case, they are putting those things above family income and potentially their children.

Dave’s current audience really needs to hear this. Every video has tons of commenters calling stay at home moms lazy and saying they just need to go get a job

@Sexy40baby1

14 күн бұрын

If the people are spending more money than what's coming in, then eventually they will have to go to work. You can be a stay at home parent as long as you can afford to

My wife literaly wants to be home barefoot and pregnant. We are working to get there even with how expensive it is to live in California.

DAVE IS RIGHT!!!! What Dave said about the lady "mother" working outside the home and not be "worth it" is EXACTLY why my husband and I decided before having kids that I would stay home full time with the kids. And yes, it comes with some sacrifices in some areas....but 12 years of one income, we have had 4 paid for cash cars, fully paid for house, and NEVER having to take out any other debt. IT CAN BE DONE!!!!!! Dave is RIGHT!!

That’s my favorite book, “Financial Peace”! That book got me out of debt including my mortgage! A single mom without any assistance from my son’s father. Kept my son in his private school to keep his life consistent, took care of his needs, all on a very low income at the time. I bought several copies of”Financial Peace” and gave them out to friends and relatives to work on their debt! “🎵Where debt is dumb, cash is King, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice!”-Dave Ramsey I listened to The Dave Ramsey Radio Show every day as well to keep me motivated! Thank you Dave Ramsey!! 🙏🏻 ❤ Those of us that adhered to Dave’s advice love and appreciate Dave! It’s all about making a plan, using grit, and STICKING TO IT!!

Jeez, can't Rachel keep her mouth shut and let Dave talk.

@simonpereira4281

10 күн бұрын

As soon as Dave is gone Ramsey Solutions is done. All the personalities are bad sidekicks at best…

@shoover2889

6 күн бұрын

I don’t even watch the show when it’s just the personalities. Dave is what I’m here for.

My mom, God rest her soul, stopped working as a regional manager for the huge company she was at to take care of my brother and I, she got a job bartending nights and weekends, and after taking daycare out of the equation, it was about a 300 dollar a month raise for her on average. (She was at a Mexican restaurant so cinco de mayo and mothers day totalled up to be about half her annual tips) That's not including cost savings of being a home maker like cooking cleaning doing laundry etc. Her maternity leave for my younger brother ended in January of 1994, she gave her 2 week notice her first day back. If it's been true for 30 years, it's probably gonna stay true, just do the math for your personal situation, or if you absolutely have to work, at least don't pay for it.

Video clips like this worry me about the future of Ramsey Solutions. Dave was absolutely correct in his bluntness and Rachel was so quick to water it down. I worry once Dave retires/passes away, Ramsey Solutions is going to get soft and not as blunt/accountable to folks.

@shirtlesslager

14 күн бұрын

Dave might be forceful, but he is old and tired. New blood is needed. And less godstuff.

@minkekj

14 күн бұрын

@@shirtlesslager good luck with that. All of Ramseys baby steps/advice is built on biblical principles. God is literally the foundation of everything his company is built on.

@shirtlesslager

14 күн бұрын

@@minkekj Superstition is anti-intellectual, brother.

@minkekj

14 күн бұрын

@@shirtlesslager you do realize that there is more evidence for the validity of scripture than literally any other piece of literacy. And that it has been proven to be more historically and archeologically accurate than any other ancient book. So much for anti-intellectual.

@beckypetersen2680

14 күн бұрын

@@shirtlesslager Believing in God isn't the same as superstition!

i remember helping a friend out and we went over her finances back in 2009 and this was the exact same thing for her.

I remember the folks with 7 kids and driving a Caddy to drop them off at daycare. They always got the government vouchers to pay for the care. I ended up working nights and wife worked during day. What was the final straw was being forced to pay twice for the government food program that the care provider signed up and got a piece of the pie. Glad i pulled my kids out and found out the money situation improved greatly.

I read your book in 1994 and it reinforced my decision to stay home with my children. I have no regrets and stayed home despite having an engineering degree. My husband and I lived off half of our income before we had children to help make that easier. My husband also has an engineering degree, and I grew up in the first generation college graduate millionaire next door household. Dad also had an engineering degree. After reading your book I attended a course at our church by another author about money management. When that author stated in the course that you should always pay cash for cars everyone started laughing. Everyone in the class was older than us, but we were the only ones with paid off cars. We had a new $7000 car and a newer used $13000 car.

@JoanneNjeri-ef6sz

14 күн бұрын

Thank you for sharing ❤️ You can always use your degree once your kids are in school, or almost out of school. You still have a few decades to work if you desire.

@jenniferpearce1052

14 күн бұрын

@@JoanneNjeri-ef6sz I can't imagine getting back into engineering with a 10 or 20 year old degree and experience. It's tough if you don't keep your finger in the pie.

@JoanneNjeri-ef6sz

14 күн бұрын

@@jenniferpearce1052 Just because you can’t imagine it, or it may be tough, doesn’t mean it’s not possible. My mom did just that after 30 years. And the point of money isn’t to just make the most possible in the simplest way possible. Maybe you disagree, but I believe in Jesus and His truth, so I believe money is just a tool to facilitate a godly life full of love and time spent with family. The trade off of raising your kids, and keeping your family in tact, is worth losing decades in the workforce.

@jenniferpearce1052

14 күн бұрын

@@JoanneNjeri-ef6sz Your mom did it in _engineering_? My mom did it after 7 years and doesn't complain, because that's my mom. I changed disciplines and returned after 10 and it has been beating me up. Some things, yeah, time away is fine. But engineering is a different beast. Things change in 30 years. Holy cow. 30 years. That's like before CAD and after CAD.

@JoanneNjeri-ef6sz

14 күн бұрын

@@jenniferpearce1052 Not in engineering. She did it in Accounting. It took about 2 years to renew her license. Nevertheless, that says more about the field you’re in being difficult to re-enter rather than SAHMs having a particular time re-entering the workforce.

Thank you for being so straight up honest Dave!! So refreshing!!

Dave Ramsey should be bolder. Women should stay at home to care for their own children. It would reduce the workforce by half and a tight labor market raises wages. And the hidden societal costs of having a motherless child ( which is essentially what happens in these situations) is a more dysfunctional society with criminals, welfare recipients and mentally ill people.

@alicelaybourne1620

14 күн бұрын

He's not an idiot. If the mother is the major bread winner and it makes financial sense, he is going to be reasonable. He has been very clear that it is preferable, because of the benefits a SAHM brings to the family. Just not always possible.

@caliopeknows844

11 күн бұрын

Yup

I stayed home with my children and started a family childcare in my home. It was the best job ever. I had a complete preschool program and served homemade meals. The geeat benefits was I have an income and my children had friends to play with.

@TheOneTheyCallTim

8 күн бұрын

In many states, you can't do that without a license and certification.

They say: you must be making a lot of money if your wife is a stay-at-home mom. No, we’re not making enough for her to go to work. 😂

@shirtlesslager

14 күн бұрын

depends on one's wife's economic value

@hannahhowell7849

14 күн бұрын

Exactly!

@papapeach8993

14 күн бұрын

I don’t get it please explain sorry

@shirtlesslager

14 күн бұрын

@@papapeach8993read more

@papapeach8993

14 күн бұрын

@@shirtlesslager read what

I have my own business and have a baby on the way I would love to give up my job when they arrive. I’m 100% happy to be a stay at home dad working sucks 😂I’ve been working full time since I was 15… I’m 42 now I’m over it

Dave is still correct on this. Times change but principles don’t. I’m with the late, great Christopher Hitchens on this - ‘any wife of mine is free to work, should they choose to.. but, they don’t have to.’ Call it inverse misogyny, it’s integral to the family unit of children are involved. Hitch knew it was on him to step the f up and provide a basis where that could be possible.

I LOOVE being home barefoot and pregnant! We are having our 8th baby loove these sweet little blessings!! We could NEVER afford financial or emotionally to out our kids in daycare! Lol we homeschool as well…. NW,CT here

@autumnjerene

14 күн бұрын

Congratulations!

Rachel, please keep calling your dad out when appropriate. Love that.

@ElectricBlueIX

12 күн бұрын

How did she call him out?

@rory644

10 күн бұрын

@@ElectricBlueIXthe husband could cook aswell

@TheSecondWitness

6 күн бұрын

Rachel needs to learn to shut up sometimes. She interrupts Dave constantly!

Nobody can replace Dave 🙌🏾

@siva47931

14 күн бұрын

That's a good thing. We don't need more Dave's in this world

@Seanucis

14 күн бұрын

​@siva47931 why not? What's wrong with what he has to say?

Dave Ramsey’s plan is the reason we aren’t stressed about money all the time. We love you Dave!

I'm 47yrs old. $73,000 biweekly and I'm retired, this video have inspired me greatly in many ways that I remember my past of how I struggled with many things in life to be where I am today!!!!❤️

@marinaaryantifelisitasgulo1445

14 күн бұрын

How did you do it? Do explain please 😯 My family have been into series of sufferings lately

@CliffordUrich

14 күн бұрын

It's Renee Marie Harrison doing she's changed my life. A BROKER- like her is what you need.

@CliffordUrich

14 күн бұрын

It seems like Renee doesn't just see trading as a way to make money for herself. She's been actively teaching others her strategies and helping them achieve financial independence too.

@WesWeems

14 күн бұрын

Absolutely! I've heard stories of people who started with little to no knowledge but made it out victoriously thanks to Renee Marie Harrison.

@csjohns4

14 күн бұрын

I do know Renee M. Harrison, I also have even become successful....

This is why the Asian population works so well..multigenerational homes work really well

I was stationed in Hanau Germany in 94. Wish I had known about you & your advice then🤣

@muniondalenewyurk6777

14 күн бұрын

I was stationed in Hanau Germany in 1981-1984, US Army! Hello from Long Island, New York my fellow veteran! 👋🏽😃 🫡

I love how people try to go after Dave for all sorts of things. Literally if you just follow his advice and ACTUALLY try it'll be a net positive in your life.

Daycare has related costs that increase its price. First is the cost of formula. Children have to be bottle fed ( vs breast fed) so the mom ends up sending pre prepared bottles with the child to daycare. Then diaper costs are higher. Moms have to send disposable diapers with the child whereas if the child is home she has the option of using cloth diapers. Then there is the life cost to the child. By that I mean, daycares are instutional living vs a home environment. Who knows what the future emotional cost will be on the child. (Isn’t that why we got rid of orphanages and went to a foster care system? Because of the negative effects on a child of an institutional lifestyle? Now we’re doing the same thing to our own kids, handing them over to an instutional system to raise!)

Is this a single woman or a married woman? A married woman should stay home w/ her kids like Dave says. But a single mom would have no chance but choose daycare.

@andrewhydak8374

8 күн бұрын

He says that in the video. Single moms have no choice and it’s tough.

As much as I like Rachel, she really just needed to shut up here. Dave had a great point to make and Rachel would not let him make it. And isn’t the ideal situation to raise your own kids anyway, not to make working work. The point is family, not your job. She was playing devil’s advocate the entire time, and even at one point said she “doesn’t know” about the facts Dave was sharing. If you don’t know, then stop talking.

When you stay at home with your kids (and maybe even homeschool your kids), mom guilt goes away when your kids become teenagers you actually like and that like you. Raising great kids, erases mom guilt.

you also have to address your income vs where you live too. i know so many people who are proud of their $120k/year incomes paying $2800/month rents while i sit over here making $100k paying $800/month in rent. in fact i just recently took a pay cut of around $4k/year to work a job where my cost of living decreased around $9k. i netted 5 grand by taking a pay cut. it's important to evaluate your circumstances in your area. math doesnt lie.

I save us a ton of money by staying home. Thank God my husband did grow exponentially in his income that we didn’t expect. But we certainly didn’t start out that way. It’s always been worth it that I was home and still am home. I do want to work in the future once our kids are a little bigger. But even then I wouldn’t do more than part time and preferably something from home

@GAFB1122

14 күн бұрын

Once kids are grown, either man or woman staying at home feels like playing to me. Besides, as a grown man, I don't need a mom. So for me, would I be with a woman who stays at home with no kids under the roof, the answer is heck no!!

@montymython754

14 күн бұрын

@@GAFB1122After enough time out of the work force, going back likely will not result in much additional income as it is likely to be unskilled work.

@GAFB1122

14 күн бұрын

@montymython754 Well, that's also why I would not be with someone who totally left the workforce for an extended period of time.

@montymython754

14 күн бұрын

@@GAFB1122well, other people have different values. Nothing wrong with that. There is a trade off, though. If both parents are working, especially full time, then inevitably other people will be imparting their values onto your very young children, and others will dilute the caregiver bond you have with them. That might not matter to some parents and it might matter to others. I don’t personally want to take more than 1-2 years off my career but I think it says a lot of wonderful things about my husband that he sees the value of motherhood and wishes that I would take more time off.

@GAFB1122

14 күн бұрын

@montymython754 Different values are right. That's why I typically end with, each to his or her own!

I love how Rachel challenges her father. Women tend to help soften men, and help them see the side of tings they often overlook.This is why men and women compliment each other so well. 😊

I'm currently home barefoot and pregnant and loving it. Don't knock it till you try it.

@PoorTinkTink

13 күн бұрын

I don’t knock it. But you never know where you’ll be 10-20 yrs from now. No one starts a marriage thinking they’ll divorce. Just earn some income and put it in savings and keep up with your (or gain new) skills.

@Ninjaflyingpinkducks

13 күн бұрын

@@PoorTinkTink I know I'd rather be surprised and scrambling to figure out how to live life after an unexpected one rather than planning for one to happen. As ironic as it sounds...it's quite freeing giving up my independence to be a stay at home wife and mother.

Starting a business as a daycare owner also costs more than it makes. All the government regulations (some good, others ridicoulous) to buy all the things needed are very expensive. My advice: Parent your own kids and be proud of that. SAHM here.

94 was the best. Sitting in my living room with pampers cereal and cartons… the good old days

@Sizukun1

14 күн бұрын

There you were messing around with cartoons, diapers, and sugary cereal instead of investing $500 a month and buying a house before the RE boom. smh. (sarcasm)

@fuse911

14 күн бұрын

Shout out to 97 I remember my first Christmas

@derricks8818

14 күн бұрын

I was 12 in 94 and that was indeed an amazing year

@fuse911

14 күн бұрын

@@derricks8818 damn u old as fuk now boiiii

@spencergillen2121

14 күн бұрын

@@Sizukun1bruh😂

Women leaving the workforce temporarily unfortunately often pay a HUGE financial penalty the rest of their lives.

There is also a longer term calculation on if taking off ~5 years from work still allows you to return to your industry later. Conceivably it's worth working while making a net negative if the potential for returning to work exceeds the relative cost.

@sharonfleshman6961

5 күн бұрын

It is absolutely a consideration. Sometimes that means mitigating that by working part time or writing in the field. But I agree, something to consider.

these 2 shouldn't host the show together

It can be done! We live on a modest income with 3 kids. I stay home and work 5 hours a week or so to help out. I can tell when I start getting lazy planning meals and such, we start to spend more money on food so I work hard to not let that happen too often. My husband and I appreciate each other for doing our respective work to make the household run.

@aolvaar8792

14 күн бұрын

My wife and I are retired, we are stay at home parents, 4 small kids.

Just called 11 daycare centers, Nannie’s, etc. Cheapest one is $1,600/month for one kid for 3 days a week. Luckily my wife is a nurse so we only need care 3 days a week. Otherwise it would be $2,300/month…. Sacramento suburb.

@markg999

14 күн бұрын

Ouch. We just use 3 days a week it's $530 a month. Suck cause many won't take kids part time...we lucked out smaller daycare at a church.

@ykook7000

14 күн бұрын

If she's a nurse can't she work the wards on weekends and you work weekdays l mean nursing is flexible industry after all

@IrishMexican

14 күн бұрын

@@markg999What metro are you in?

@IrishMexican

14 күн бұрын

@@ykook7000Her ICU is actually over staffed. They ask ppl not to come in at times. Very little flexibility.

@markg999

14 күн бұрын

@IrishMexican Tampa Bay area

I made the decision to work part time. I was so lucky to find a part time option in my profession (actuary), which I think most mothers would prefer. I didn’t want to leave the work force entirely because I thought it would make it much harder to get back into it when my kids started school. Or make it harder to re-enter the workforce if, God forbid, something were to happen to my husband and he couldn’t earn. A lot of my income was eaten up by childcare in those early years, but I thought of it as keeping my foot in the door and as a safety net for our family. Not just a cash flow question for the moment. Now they’re both in school and I still work part time which allows me to take care of all kinds of other household management tasks and not lose my mind. I wish more companies were open to hiring PT workers! They all think in terms of FT though.

They’re both so afraid to state the obvious, which is it’s ideal for mom’s to be with their children. Sad. I understand this can’t always be the case but it should be the goal whenever possible and we shouldn’t be afraid to state the obvious.

@drtij_dzienz

14 күн бұрын

My daughter is very extroverted and she could never enough socialization at home. Daycare has been great for her development. It would be worse for her to be at home 100%.

@John3.36

14 күн бұрын

@@drtij_dzienz You basically pay someone to raise your kids with their values.

@autumnjerene

14 күн бұрын

​@drtij_dzienz I have a lot of extroverted children who did very well at home, not picking up awful habits from other kids. I even homeschool them now. All these parents who let strangers raise their kids for them complain about how awful their teenagers are. I'm over here loving my teens. And bonus! They actually like me as well.

@janelleg597

14 күн бұрын

Moms*

@janelleg597

14 күн бұрын

​@drtij_dzienz being at home doesn't mean staying at home all the time 🤦‍♀️ moms groups, play groups are everywhere around here

Daycare in Walnut Creek, CA is $19K per semester per kid! That's $6.3K total per month for 2 kids. This ain't Tennessee!

I remember hearing about that - maybe it's because I am Dave's age, approximately. To bring up the fact that if you make only enough to cover the cost of day care, extra taxes and various extra expenses you incur - only made sense to me that mom should stay home and be the home supervisor.

@jenniferpearce1052

14 күн бұрын

There's a point near where the math breaks even where you have to consider what the mom wants and needs and what the kids need. If mom is going bonkers staying at home, wants to work and the kids can have a good day care but there's a bit of loss? Work! If it's better for the kids to have their sane mom at home? By all means, stay home

Anyone else have a tough time listening to Dave and Rachel? The way they constantly talk over each other drive crazy!

@tande0822

14 күн бұрын

I actually enjoy the fact she takes her Dad on at times😂

@polares420

14 күн бұрын

She's horrible.

@alicelaybourne1620

14 күн бұрын

It's his rant, she was the one who should take a step back.

@kellellebelle

14 күн бұрын

@@alicelaybourne1620completely agree!! She talks over him and tries to reel him in… LET HIM GOOOOO! Rant on Dave!!

@JiisTube

14 күн бұрын

It's like they're related 🤣

It's impossible to please everyone. Someone will hate you regardless of what you say or do. There's no point trying to make everyone like you - it can't be done.

If this were the old days, when couples were committed for life and worked as a team to raise a family and retire together, Dave's advice would be great. Unfortunately, no career means no IRA or pension plan, and loss of career progression. If a divorce happens, Mom is I. For a very rough ride.

I sold everything I had and was able to stay home with my son for his first entire year . And being a single mom of course I didn’t have the debt I have now I’m still on baby step two

Good times. Don’t remember much because I was 4 but good times 😢

Dave has said before that if you have the option to live with parents or move out, you should move out. Thats clearly a mistake finacially. If you want to save the most money you should live with your parents and help pay off their mortgage. Live with them and inherit the house, that will get paid off far faster. As a parent you should have tons of kids and as soon as they grow up keep them with you and have a big huge house that they help pay for. Why should kids move out and then only see their parents a couple times a year?

My wife quit her job in the early 2000's bcause once we did the math, she was not making enough to justify the job.

@jasonbower7763

14 күн бұрын

Your wife got me into a lot of things.

@drtij_dzienz

14 күн бұрын

Once the kids went to school did she get a job again?

@JoanneNjeri-ef6sz

14 күн бұрын

@@drtij_dzienzProbably if they wanted two incomes

@philphillips3282

14 күн бұрын

Yes, she did go back to work later on. Those jobs just needed to make sense. She later got her degree, still works and is getting ready to join me in retirement.

@JoanneNjeri-ef6sz

14 күн бұрын

@@philphillips3282 Sounds like you two created a good life for yourselves ❤️

I like the Rachel/Dave combo the best. Everyone else kinda seems like they're tiptoeing around the boss, Rachel is the only one that'll do honest equal give and take with Dave.

@tidus1ph

14 күн бұрын

Jade doesn't sugarcoat hers either. She's just short on experience compared to Dave.

@jinglejangleflingleflangle1902

14 күн бұрын

I think she’s annoying as fuck

@runnergirl252

14 күн бұрын

That’s her Dad, of course she’s can be somewhat honest! He’s has become rather grouchy over the years!

@John3.36

14 күн бұрын

She is aire to the Ramsey empire

@om617yota8

13 күн бұрын

Yep, I know she's his daughter and that's why she can push back.

Missed these Dave rants. Lol

It's a hard subject for people because the public education system has conditioned them to think with their emotions.

Thats still true. I work during the school day at a Public School and if i had to pay for childcare, the cost would be half my check.

Speaking for myself I'm debt and mortgage free, thanks to Dave's debt snowball. I don't feel the cost of living crisis because I'm still up from not have a mortgage payment every month. Thanks Dave, lots of love from Chicago ❤️

I am not sure how people spend so much money. We live on 34k a year. And have no problems paying our bills and still save.

You can’t please everyone no matter if you do everything right there will always be a group of haters

Dave’s ideas/concepts are not new but people are either never taught in r forget how to be financially responsible.

She said “or the husband is choosing not to cook, but yes” 😂😂😂😂😂😂😂😂

They have been blasting Dave all over TikTok because of that one video taken completely out of context.

Dual income is highly over rated! And single income is under rated and not as difficult as social media would have you think.

Speaking of math, many years ago, (2014?) I wised up and did the financial math of someone who was on social security disability. After the lack of commuting expenses, the section 8 housing benefits, not paying social security taxes, paying no or almost no income taxes, getting the "Obamaphone" benefit, the lack of paying medical insurance premiums, and some other stuff I can't think about right now, it put her income right about where I was at $14/hr full time. The $14/hr was a bit more, but it was definitely not much. And I was paying on a mortgage at the time.

@sharonfleshman6961

5 күн бұрын

I was an in home caregiver for a long time. I did that math as well. You are accurate. I didn't have a mortgage but a car that I needed to work and the client was asking ME for money. Nope.

@paulstandaert5709

5 күн бұрын

@@sharonfleshman6961 Yeah, I found the whole thing to be a bit disturbing. I still remember some of the numbers. For me to rent the same apartment under section 42 (having an income under $42,xxx per year at the time, the apartment was $987/mo for me to rent. For her under the section 8, it was just under $400/mo. That is over a $587/mo benefit TEN YEARS AGO. Figure in all the other stuff and like we determined, it wasn't far off. The story could continue, right up to the "I have no money" and all sorts of ergonomic issues, but getting on a plane to San Francisco to see a concert was okay to do. Sleeping until noon every day was fine. Waking me up at 4am Sunday morning about problems with a car I let her borrow... Yeah, no. And they wonder why I have issues with the welfare system.

I pay $342 weekly for daycare. That means if my kid is in daycare from 8am to 5pm, they are getting paid $7.60 / hr. It can go much higher.

@8:45 Dave actually said "Tik Tok" instead of "Tik Tak", like he usually does. 😅

The only reason Rachel is kept as a personality is because she is his daughter. She’s better at interrupting than giving advice. She lacks the most basic thing that made her dad, so famous… His blunt direct honesty. You can tell she doesn’t have it on shows when Dave is not there.

I love how Rachel gets so nervous anytime Dave tries to make a point that she feels the need to interject and ‘clarify’ at every turn. For the love of all that is Holy, start your own thing if you’re worried about what your dad has to say…you know, the guy that built all of this in the first place.

@rabidgoon

14 күн бұрын

It’s incredibly annoying. I just wanted him to finish the story at the beginning, not hear her little quips and interruptions. I feel like he could’ve finished his thoughts in half the time without her continuing to interrupt. Nepo baby shouldn’t have this job.

@BassManNv

14 күн бұрын

I agree. Let the man talk!!

Dave’s solution to a caller who calls about this: “Move out of your 50k house and buy a cheaper house for 10k. Get rid of your car worth 8k and go buy a simple safe reliable vehicle for $2.99. Use that 1k emergency fund on a new engine and transmission if it blows up and you’ll still have enough grocery money for a year after the repairs”

You might lose money by working in the short term, but long term your employment prospects will be better. Staying home too long often means having to take unskilled jobs when you do go back, starting at the bottom rung.

Nailed it. video for American crowd that is weak in math, rationalism and commonsense.

Absolutely agree with Dave. I've been a full time mom for 18 years and have never regretted a single day. Has it been tough occassionally? Yep. Was it worth it? Yep. And no, we are NOT loaded, LOL.

On average when both parents are working one of the incomes will go to paying daycare for children. Basically the mother is working to pay someone else to raise her children with their values. Our society has taught women to be afraid to stay at home and raise their children with their own values. They are taught to think that being at home as mom raising your own kids is oppressive.

@sayalikhot6751

13 күн бұрын

As a women i can confidently say staying at home your whole life does put women in a losing position. It means putting up with a man who can be an alcoholic/cheater/abuser and you cant get a divorce as you have no source of income and a lot of women get no alimony. Also with millennials and GEN Z and cost of living increasing so much you cant sustain a family on single income unless you marry rich. What is a SAHM meant to do in case of death or critical illness of her husband the longer you stay home the more difficult it is to get a job.

@John3.36

13 күн бұрын

@@sayalikhot6751 Have you ever heard of alimony? work from home?

If her husband chooses not to cook, Dave says "Whatever." 😂😂😂

In 2018 when my baby was in daycare it was $208 per week. Or $10,816 a year… he’s 5 and in afterschool and costs me $5,000 a year. And his first daycare was average for the city. I wasn’t choosing some Montessori school though I was thinking about it because it was almost the same price. Eventually I had to switch after the pandemic because I found a cheaper one closer to my house.

@annjames1837

14 күн бұрын

I cringe at the thought of babies in "daycare". It's not normal.

@aolvaar8792

14 күн бұрын

My City has Afterschool programs (My daughter works there), The City built a Rec center on school grounds (co-op) $5/day>> $1/day if you're poor.

But ,but ,Dave we need a $65K mini van so our baby will be safe!

@theamerican7131

13 күн бұрын

and why not take your child tax credit the government allows you every year and put that towards little johnny's daycare?

@alinatamashevich3354

12 күн бұрын

@@theamerican7131 Why not refuse to have kids until one can afford them?

Man, he doesn’t let her talk, feels like a presidential debate and both are on the same team 🙄. We already know he is right and the concept is the same but let her talk if she’s supposed to be a co-host

They hate Dave because he's successful! If everyone would try instead of complaining there life would be alot better!

We had two kids in daycare, and it was like paying 3 mortgages... and these are not the "Gucci Daycares." 5 more months to go to be down to one mortgage.

@drtij_dzienz

14 күн бұрын

Yeah my daycare for 1 child is 50% higher than my mortgage. At least both of them are relatively inexpensive.

@nathenleelewissinger5059

14 күн бұрын

You haven't sold the kids!? 😉

@aolvaar8792

14 күн бұрын

A second wife, tell your wife, "She will always be First Wife."

@FancyRPGCanada

14 күн бұрын

I feel you dude, if my province didn’t introduce a new daycare benefit last year I’d be paying $1800 a month for my kid’s school oriented daycare. Instead I pay $1150, which is still a lot, basically half of my husband’s paycheck. Only one more year before she’s in Kindergarten and we can use that money to pay off debt 😂

@godsson8035

14 күн бұрын

I have one year and 6 months to go to be down to one payment. 😢

I heard this on the purple podcast app 😂

It almost always to sacrifice for her to be home-praying, running the household, being with kids/activities…Or continue with this horrible society. (Much is because loss of her role.) If we say her role as a woman is this important, accept her role in the home.

Mom guilt sucks and math wins every time! 😂 I love Dave! ❤

Dave out here dropping B-words, this rlly must've got em heated lol

I’m a career mom and I’ve never been offended by your comments related to stay at home moms. If people want to misconstrue your comments they will.

In regards to mom guilt, if you took out a bunch of student loans to get a degree and a good job but then decided to stay home, you should feel guilty about heaping that financial burden on your family. At least work until the loans are paid off. Also, dads absolutely deal with guilt. If they work too much, they’re guilted for not spending enough time with the family. If they don’t work much or don’t make much, they’re guilted for letting their family down and not being man enough.

@montymython754

14 күн бұрын

I think the only men who should feel guilty are the ones who insist their wives should choose working over children, so that the man can maintain his lifestyle.

So many parents send their kids to terrible daycares instead of just working more to afford a good one though . If it’s cheap, DONT SEND YOUR KIDS.

My daycare: goochie goochie goo! That guy's daycare: Gucci gucci goo

I agree that is feels dumb to work to pay for daycare. I would consider daycare even of the numbers are close if there is career potential. That might have value.

Do the math...love it!

People who give their young kids to strangers so they can go to work value their careers more than their progeny.

@claven3608

14 күн бұрын

Everybody that doesn't homeschool does this 8 hours day when they send kids to school.

@psharpe5904

14 күн бұрын

Lol... speak for yourself. Not everyone can stay home with their kids. We'd love to... but its not feasible for everyone.

@claven3608

13 күн бұрын

@@psharpe5904 And some people choose to both work. My wife and I will retire 10 years earlier as result so easy choice. To me kids are a part of your life, not all of it. Give them love, accountability and responsibility and access to education and ability to develop skills by exposing them. Model good behavior at home and then let them figure rest out as consequences will teach the rest.

U forget that even if she didn't make money. At least it will go toward her retirement. And if he leaves her, then she has income later

@OopThereItIs77777

14 күн бұрын

If he leaves her she still has income. Half of whatever he has.

Perhaps couples should consider if it makes sense to have a child if they're just going to end up paying someone else to raise their child.