Construction workers lol i know a few of them they spend 50$ a day at the gas station instead of packing lunch brew coffee at home

@notarussianbot8157

8 күн бұрын

I feel attacked!

@jasonleatherwood2172

8 күн бұрын

@@notarussianbot8157 not if its true lol 4 monsters 3 slim jims bag of ice 12 pack of mtn dew coffee and a biscuit for breakfast couple dogs for lunch am i wrong? Lol

@garykeith1048

19 сағат бұрын

Whats the point of working if you can't afford coffee and a 12 pack of Mountain Dew?

@jasonleatherwood2172

18 сағат бұрын

@@garykeith1048 i aint dropping 300$ a week at the gas station man they do

"You're not going in a restaurant unless you're working there" - i almost wish i were an advisor just so i could use that line.

I love how Dave Ramsey always makes it a "We" decision when it comes to marriage finances and family finances.

@PoyTroy

4 күн бұрын

He only does it towards the woman. If it were a male calling in it be the opposite

Don't eat out, as Dave says. Once a week make soup to use up leftovers in the fridge. That'll save a bit. Saturday fridge soup.

@reesercliff

Ай бұрын

I make soup every day from the liquid in my neighbors trash cans, for Free!!! Young people today think they are too good for that!

@benmyers9030

Ай бұрын

​@reesercliff neighbor trash soup, that's the good stuff. Sometimes you're lucky enough to get a free rodent in there to sweeten the broth!

@NoodlesEaton

Ай бұрын

@@reesercliff Oh that is dreadful.

@reesercliff

Ай бұрын

@@NoodlesEaton no it isn't you just have to properly season it my friend

@BestShootermanUbz

Ай бұрын

@@benmyers9030You guys are something else 😂

“Rice and Beans; Beans and Rice”.

@penguin12902

Ай бұрын

Hah...literally eating a bowl of baked beans and rice with cut up hot dogs for lunch at work. Pretty delicious!

@RealNurseBeesVA

19 күн бұрын

Ramen noodles even cheaper.

I don't understand why people live above their means and then make more bills.

@ddubsr5886

Ай бұрын

Because people want the easy way

@luminous6969

Ай бұрын

Because they're stupid?

@aaronblankenship6327

Ай бұрын

90% of Americans are broke

@mojdehks9704

Ай бұрын

for the same reason dumb people who can't afford food then decide to have a bunch of kids.

@alinatamashevich3354

Ай бұрын

They lazy

I start to worry when I’m not gaining $600 in savings every month. How do people live like this?

@howlbeast

Ай бұрын

Same

@JudePi-jx7yo

Ай бұрын

Well they also enjoy life more than us cheapskates so better to be less sanctimonious. Family of 6 $100k in South Florida seems like it's going to be a struggle no matter what.

@jasonbornne7767

Ай бұрын

@@JudePi-jx7yo I spend plenty on going out to eat and vacations.

@whothou

Ай бұрын

@@JudePi-jx7yo entirely subjective.... so many people keep themselves busy non-stop yet still feel empty and there are tons of people that live a simple life and are overly content/happy.

@eplugplay8409

Ай бұрын

True, we save and invest $4000 a month and I still feel like this isn’t enough, lol.

Their house payment is very good for Ft Myers, FL, considering that the cost of homeowners insurance is most likely very high for her local area

We have been on a recession since the beginning of 2022, but big media and governments all over the world didn’t want to admit it. We need to be wise and use our brains. Knowledge is power and I’d like all the family to be powerful! Just purchased some *DaleValskov* Thanks for keeping us informed during this times of doubt?

I feel that the last bull run was bolstered by all the money being printed. Major returns next bull run but I think they will be tamer in my humble opinion. A 10x on *DaleValskov* and a 15x on polygon are fair considering how much those two coins are interwov

I did not believe that after the whole FTX drama there's any good to get this year but *DaleValskov* proved otherwise. Bad timing maybe but it's a great adoption to get this more to the mainstream and raise awareness. Probably a high contender for a top 100 growth

The efficiency of this *DaleValskov* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jack!!

Can't deny the fact that *DaleValskov* is the strongest bet to bring power back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good, but I don't see that the biggest tech company in the world would put everything at risk just for that.

Am I the only person who likes to work and be able to pay my bills and have extra money???

@Jawrathful

Ай бұрын

No, you're not alone. We're abnormal. Normal sucks!

@KathleenMcNe

Ай бұрын

That's what I did. Pursued a profession I enjoyed, worked hard, lived frugally, saved and invested aggressively and consistently, retired at 63, and have zero debt and a net worth of $13.5 million.

Funding 401(k) with a credit card, LOL!!!

@acd1168

Ай бұрын

🤯

@lauren4078

Ай бұрын

WOW....

@terrim.7997

Ай бұрын

How is that possible

@SnifferSock

Ай бұрын

​@@terrim.7997every dollar going into retirement is a dollar that shouldn't have went on the card.

@sharishines99

Күн бұрын

I don’t understand that at all

📌 TA is all well and good but I find it truly baffling that all major stocks you tubers just look at pure TA and completely Ignore the bigger narrative of why stock Is pumping and why the future outlook might not be as rosy as it seems. Alot has changed and that's about it, but the truth is that I don't even care much about the bull or bear market anymore because *DaleValskov* covered me while I'm doing comfortable. 2.3 BTC per month

My heart goes to the entire community for *DaleValskov* building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish

A lot of Ken’s questions sound kind of stupid, there aren’t too many private investigation “side jobs” for someone who works for the state in law enforcement.

@jocarson5310

Ай бұрын

Why not? Lots of law enforcement officers have second jobs in their off duty hours.

@toohda

Ай бұрын

Because Ken is not qualified in any way for his position. He is by FAR the most annoying,ignorant, and worthless “Ramsey personality”

@sandrab.3538

Ай бұрын

@@jocarson5310 True, and it seems there are openings for security detail in all kinds of businesses.

@neisci

Ай бұрын

Lots of them have second jobs. Working security for example. Where there's a will there's a way.

@davinasquirrel7672

Ай бұрын

working for an individual private investigator?

Dave and Ken are right on here. I only question one thing. The caller and husband have 4 kids. She should not be expected to work more hours. Hubby can work more construction hours, but he has the kids too. Some other things should be really looked at hard to tighten up the budged. Things are not going to be cheap with 4 kids. Good luck to this family and to all of us !! 👍

@jimmymcgill6778

Ай бұрын

She can't, but he can't? You cannot work more construction hours. Most places you can only work during certain hours.

@Tubeyou2343hhsg

Ай бұрын

@@jimmymcgill6778he can Uber some

@donaldlyons17

Ай бұрын

@@jimmymcgill6778 IMO if the commenter was working construction they would already know that!!!!

@JaneDough23

Ай бұрын

Why doesn't she get a better job since she has a Bachelors degree? Wonder how much money they are bringing home each month? Bet a lot of credit card is from going out to eat.

@annaelisavettavonnedozza9607

Ай бұрын

She can’t work more so make HIM get a construction job??? And what happens when he’s hurt on the job???

There should be a book on basic saving money skills.. Babies breast feed and cloth diapers.. I talked to a young Mom the other day diapers $70 last 2 weeks. Breast Fed if you are able, even if you are just pumping milk for bottle feeding huge savings. All meals at home unless it's a special occasion, taking a family of 6 out to eat or even fast food is crazy high right now. Lunches taken to work every day. Shopping the thrift store for children's clothes and saving clothes from the oldest child for the next, shoes too. Bare Bones Basics. Hope it works out for them, Florida is a expensive place to live no matter where you are at. Anna In Ohio

@jeep19

Ай бұрын

Probably a companion book on not having that many kids, and struggling to pay for them.

I just can't with these people. The level of ignorance about life is staggering.

@merylparks1584

Ай бұрын

Younger people want the BMWs Merzades big homes like they’re Millionaires and they’re not, I grew up well but my parents didn’t use credit cards like they do today, cards back when I was growing up we didn’t live off these cards to afford things, we lived off of cash My mom was good at finances they worked well together on that

@cur244

Ай бұрын

@@merylparks1584 Plenty of older people do the same thing especially gen x. Trailer homes with a 75k car parked outside types that complain they can't save for retirement.

@davidlloyd1526

Ай бұрын

Yup - but that's kind-of the point of shows like this. Teaching people who don't know how to get organized...

@Chet_24

Ай бұрын

Good thing fine arts is a requirement for college and hs, but not personal finance. Heaven forbid schools require something useful to graduate.

@carylhalfwassen8555

Ай бұрын

If education in high school applies these principles it is deemed racist or elitist! Who wants to navigate these highways?

I know it's a saying of Daves but literally beans and rice will cut your bill down. Add some things to it but making the bulk of your meals rice based without meat will cut down that food bill.

The other side of that is, if you're not in Tip-Top physical shape, swinging a hammer 16 hours a day 6 days a week is going to wear you down really quickly.

@BigJohnM

Ай бұрын

They are young. They can handle it.

@Excalibur2

Ай бұрын

Plus, I wouldn't want my wife in those dangerous conditions, and being harassed by a rough crowd.

@miaaugustine4321

Ай бұрын

Yep, my husband needs two shoulder replacements and a partial knee replacement. He is extremely talented but never made bank.

It sounds like they're not in horrible shape. Student loan is high but not stupid-high like some people. They need to start pinching pennies until Abe screams though. I well remember when we were pinching pennies and our winter "vacations" were picnics in the living room. We'd spread out a blanket on the floor, make up a lunch hamper (usually leftovers) and just have a nice quiet evening. No TV, no stereo, just us. Summer "vacations" were the same, only actually outdoors at the city park. You go into it with the right attitude and it's more enjoyable than traveling somewhere.

@user-tl7mj2bm4m

Ай бұрын

Yup a game of "Sorry" , or "Monopoly", or Yahtzee......or even checkers...can be fun and CHEAP....and educational.

Cut cable. Cut expenditures. Cut. You might look into skipping lunch or eating less for a few months and see how it goes.

@BREEZYM6015

Ай бұрын

I don't have cable but I do have internet. If I eat less then I'll drop to under 100lbs. 😂

@diceportz7107

Ай бұрын

@@BREEZYM6015 Don't be obtuse. OP was making the point that there are things people can cut. Phone Bill? Most people just sign up and then never ever look at other options. Then there is eating out. Most people don't think twice about stopping to grab something. Expensive vehicles. Why? Why?

@theseeker4700

Ай бұрын

They have kids....should they stop eating as well?

@littlesongbird1

Ай бұрын

@@theseeker4700 KIds can wear me hand me down clothes. Too many people feel children (even as young as toddlers) new designer clothes. Why? Buy second hand or find another parent and do a clothing swamp.

@theresamc4578

Ай бұрын

Analyze your food expenditure. With children we are tempted to buy snacks and 1 serving packs which are crazily expensive. Plus sodas, bottled water. A sandwich can be a snack. Water from the tap won't kill you. Spend time on youtube learning fast and inexpensive family meals. Instead of fast food have "family picnic night" with leftovers. If you have teenage boys, the food bill can go sky high---I know, I had 3 teenage boys at the same time.

I'm literally overwhelmed, You are a blessing to the world. I can't thank you enough *DaleValskov* for helping me with my account recovery. My prayers will always be with you and your team. Keep it up guys. Love from Maldives. There are many people out there I pray everybody get help.

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you *DaleValskov*

It's amazing what you do *DaleValskov* We need a lot of people with your skills and set who have good intentions and spread love

Somehow I giggled uncontrollably at “neither are you” 😂😂😂

@TheSoulCrisis

Ай бұрын

Dave The Savage, first of his name!! 😂😂😂

@pistachiosandpopcorn7146

Ай бұрын

Lolol me too

We have one child, yes we wish we could have had another, but we COULD NOT AFFORD IT.

@sitcomchristian6886

Ай бұрын

The Lord will provide.

@matthewgardner2144

Ай бұрын

@@sitcomchristian6886 LOL

@jeep19

Ай бұрын

Get a puppy 😂

@user-tl7mj2bm4m

Ай бұрын

Same with us.....and I was able to pay, in cash, for my son's 80 grand college education so he wouldn't have ANY college debt when he graduated.

@kaydublin5164

Ай бұрын

@@jeep19 they’re equally expensive, so no, but thanks for your brilliant suggestion.🙄

I feel like Caleb Hammer would iron this out with the quickness and tell them to quit buying taquitos.

@dannwhitehead6193

Ай бұрын

Does everyone in TX eat them? I always hear him mention, whataburger, chipotle, and taquitos.

@kaydublin5164

Ай бұрын

😂

@johnparker4484

Ай бұрын

@@dannwhitehead6193taquitos has become his sort of meme catch all term for gas station bs type purchases

@kreneesimo

Ай бұрын

@dannwhitehead6193 god no haha the taquitos is his euphemism for gas station food and treats. Now, what whataburger is almost a cultural aspect of Texas. But there are still clowns that prefer in-n-out.

@dannwhitehead6193

Ай бұрын

@@kreneesimo - Thank you for clearing that up. Being i grew up in Los Angeles, In and Out has always held a special place in my heart. But now in AZ I have tried Whataburger and dont see what the fuss is about. The Habit is where is it at for me.

I love Dave! "well drive right up in his face..." Such a way with words.😛😛😛

With younger people it sometimes takes a while. I know for my wife and I it did but thankfully we’re on the other side of that. I’d definitely say if it’s possible to sell or trade the car to something paid off or at the very least a significantly lower payment definitely look at that. I know this opinion may not be popular but IF they can be disciplined and not go back to credit cards it might be worth looking at a debt consolidation loan, even a small one to pay off some of the smaller cards. I did something like this against my retirement which isn’t the best idea but I was able to pay off most of my credit card debt and it was pushed down into a smaller time frame and saving money each month. But you have to get to the point where you aren’t using the cards anymore. That’s the hard part though.

When you go over by $500 a month that’s actually pretty fixable. I would look at the last 6 months and how much they spent on each category of their budget and she’s where the over spending is happening. Most people could save by cutting coffee, fast food, convenience foods, streaming services, and a few other luxuries. Also if they have 4 kids they should have a big garage sale with all that baby and toddler stuff as their youngest outgrows it all. I just made $1000 having a big garage sale. That’s baby step #1 right there.

@calinator51

Ай бұрын

I hear you but like mentioned they have 4 kids. They decided to have that many kids but it is still a sucky situation for the family. Cutting costs is a perfectly reasonable thing but with 6 people to clothe and feed 100k can still make things tight. One or both can pick up side gigs to knock it out and I don't always agree with them about selling cars because if you get something different and cheap it's a roll of the dice, they just need to hammer out these debts and getting rid of the car payment is big.

@lydiamae1727

15 күн бұрын

​@calinator51 my parents did really well raising seven kids in a decently nice home with just over 100k per year, and two of my brothers are not out of the nest yet. We almost never ate out, except maybe on Father's or Mother's Day after church. We lived below our means and had great lives. They also raised us into our teens with enough awareness to not go into debt for everything that we want (or justify spending by claiming we "need" something that is actually a luxury)

@calinator51

15 күн бұрын

@@lydiamae1727 That is awesome! You have amazing parents and it's great you had such a nice childhood. I also want to mention(I have no idea how old you are) that 100k a year doesn't go quite as long as it used to with the insane prices of everything nowadays but rice and beans beans and rice lol.

I go to restaurants that give you big portions. Is basically two meals out of one order. There is almost no difference vs me cooking at home.

@danielahern3560

Ай бұрын

butter - 2 sticks - $2.50 beans - black $3/2lbs -pinto $2.50/2lbs brown rice - $3.50/5lbs rice & beans for 2000 Calories per day: brown rice per person per day: 1/2 lb beans per person per day: 2/3 lb calculation for 6 days: 3 lbs brown rice - $3 4 lbs beans - $6 2 sticks butter - $3 chicken broth - $3 frozen corn - $2 total: $17 for quite a bit more than 2,000 Calories per day, less than $1/meal. Are you going to a restaurant that gives you a double portion for $2.

Why do these people have 4 children when they are poor and can't handle money?

@sitcomchristian6886

Ай бұрын

They make six figures, bro, they ain't poor.

@saeedhossain6099

Ай бұрын

b/c f'ing is free when you don't buy condoms.

@user-tl7mj2bm4m

Ай бұрын

@@sitcomchristian6886 NO..but they're stupid. People need to learn to keep their legs closed and use birth control.

It’s sooooo much easier to just change your lifestyle the first time you don’t pay your entire credit card back at the end of the month. Now your 20k in the hole and you’ll pay 2x that back in interest or more as you make slow progress.

Putting the cart before the horse.

@stevenporter863

Ай бұрын

They did on every conceivable level: house, cars, having four kids before finishing school, etc.

@danielrn133

Ай бұрын

@@stevenporter863 If only they were perfect like you from day 1. They are both working and contributing. They are trying to get this figured out. Did they make mistakes? Yep. Do a hell of a lot of people make mistakes in their 20s? Yep. Save your perfect criticism for the people sitting on their couches doing nothing.

@stevenporter863

Ай бұрын

​@@danielrn133Not perfect, just common sense. You don't buy auto insurance before the car, right? Otherwise listen to the result.

I had a friend years ago who was terrible with credit cards. So he just stopped using them. Switched to a debit card and was fine. Well, sometimes he got declined in the beginning, but it really helped him turn things around. Some impulse buyers are fine if you just put brakes on the wheels of their spending.

How do i access your materials from Africa. I tried to download everydollar App but I'm restricted. Zambia

Nothing in this call indicates they have an unsustainable amount of debt. $20k car loan on a $100k income is not out of line. $20k student loan to make a $50k salary is not out of line. Yes, the credit card debt needs their immediate attention. My guess? With four kids, their daycare expense is eating up a significant portion of their income. - probably in the $25 - 30k range. Daycare is incredibly expensive nowadays. So yes, they need to do a detailed budget to figure out exactly where all their money is going. That is a good first step. They didn't delve into the type of construction work that the husband does, but also yes, he can tap into that skill set to earn extra money. In the end, once they do the budget and identify where their money is going, they will most like determine that they do not have to stop their 401k investing, perhaps back it down to the company match.

@donaldlyons17

Ай бұрын

Dave and company get benefits out of selling.... They are not there by saving and cutting....

@alinatamashevich3354

Ай бұрын

Exactly what is Dave selling? All of his info is free. Just have to listen, not be a keyboard warrior

@lkj0822g

Ай бұрын

@@alinatamashevich3354 What is Dave selling? LOL That "free" Every Dollar app? It may have a "free" introductory period, then you pay a subscription fee. He's selling books, seminars, merchandise, apps, and pushing you to use service providers that he either has a financial interest or that pay him an advertising fee. Everything he does is to get you to drink the Ramsey KoolAid and then go to the Ramsey store and buy stuff.

@donaldlyons17

Ай бұрын

@@alinatamashevich3354 you so t know about his online coure? His book? His sponsorships and partnerships with other businesses (Smart Vestors Pro) I think. You do know radio people also run commercials right on air?

They have a house but didn't mention having a mortgage. I would guess their house is not paid off based on their age and finances so they are probably more in debt than what she said

@mariohorn2459

Ай бұрын

She said mortgage was 1800

@jimmymcgill6778

Ай бұрын

She said it was $1,850.

4 kids $100k in South Florida at 28 is going to be tough no matter how they budget. Can't go back in time. Those salaries aren't really competitive so move somewhere cheaper or increasing income are only real sustainable options.

I have a question: what would Dave say about taking a loan from your 401k to pay credit cards off? your paying it back and it s lower in interest.

She said she made a spreadsheet but does t know any of the totals lol

People really need to plan out how many kids they can afford before popping out 4 cos you wanted 4 and then trying to figure out how to keep things afloat afterwards. The whole concept of "we want 4 but we can only afford 2 so we're having 2" doesn't even occur to them, people just do whatever they want and then cry about the consequences of their actions.

@jamaicaninthekitchen4358

Ай бұрын

You are so right She better sale that $20,000 car

@MrSteeDoo

Ай бұрын

I imagine that many people either underestimate the costs of 4 OR they were doing fine until the income went down for whatever reason. Try using your brain for once. Life is not a video game.

@morias64

Ай бұрын

Helpful, thanks Judge Judy.

@lot2196

Ай бұрын

Kids aren't the problem.

@RepentImmediately

Ай бұрын

​@@MrSteeDoothe group with the highest birth rates in the country are below the poverty line

Dave: "Where's your husband in this?" Caller: "He's not so good with money" Dave: "Neither are you". 🤣

I really appreciate the dedication in each video you post. Despite the dip in crypto, I still thank you for the level-headed financial advice. I started crypto investment with $4,345 and since following you for few weeks now, I’ve gotten $18,539 in my portfolio. Thanks so much *DaleValskov*

Oh the irony of life.. I have friends who would be awesome parents and capable of providing but cant be blessed with a kid, and you’d hear couples popping out kids like that…

@ykook7000

Ай бұрын

It's always been like that the irresponsible breed like rabbits then do this 🤷

@sitcomchristian6886

Ай бұрын

This is so needlessly judgmental and rude.

@dblock9989

Ай бұрын

It’s dumb and irresponsible to bear kids into an environment that you are going to make them suffer in eventually.

@etcetraetcetra3173

Ай бұрын

@@sitcomchristian6886 It's a fact of life. If you can't support your family of 5, don't add another one. Children are expensive.

@vjanec_

Ай бұрын

Fr

The more kids you make, the more hours you have to work. Or you can let the system take care of you.

@alycewich4472

Ай бұрын

The debt they have is STUDENT LOANS, car loans and CREDIT CARDS! Plus they aren't on the same page with the finances. This can be relatively quick to clean up if they sell the car and buy a one payment car for the short term, That alone saves several thousand dollars, Cut up the credit cards and work as much as possible for them. Maybe they need to join a babysitting co-op to save on babysitters. It can be done. But they BOTH need to be intentional with it. Cause, obviously going into debt at the rate of $500 a month isn't sustainable.

great ep

Damn! That's another way to think of it..FUNDING 401K WITH CREDIT CARDS. 😂😂

How do I get into contact with Dale Valskov and give him all my money no questions asked?

I can bring my monthly expenses down below $750 a month (no mortgage or rent... paid off house is nice to have) How driven are you to actually budget to fix your mess?

"If you can swing a hammer you can make 40 to 50 bucks an hour." Where? That's 80K to 100K a year. Are you sure all you need for that is to swing a hammer?

@littlesongbird1

Ай бұрын

My ex fiance was a contractor and yes, he could make that much and no he wasn't a scammer. You would be shocked how being a decent and honest contractor gives you a lot of positive word of mouth.

@r.rodriguez4991

Ай бұрын

@@littlesongbird1 He was a contractor as in he had others working under him?

@princeprintz2414

Ай бұрын

These are the same people who say you can walk into McDonald’s and make $20/hr

@arthrodea

Ай бұрын

Apparently in California you now can actually make $20 an hour at McDonalds. Of course their Big Mac is now like $15….

@Hawaii567

Ай бұрын

@@princeprintz2414most fast food places do pay $15-$20 an hour now. There are McDonald’s that pay $20 in California, that’s what they’re referring to. It’s a hyperbolic statement used to make a point. No one has ever said “every McDonald’s in the country pays $20”. Some people have zero social iq and hear every word in its most literal form when language and communication doesn’t work that way 😂

She has 42k in debt, 22k in c/c and 20k. Unless they have a house that is paid for, which I highly doubt, how is she not accounting for mortgage payments? The level of ignorance is astounding.

I bet her car payment is 500 a month

@atrain132

Ай бұрын

Probably more than that.

@alycewich4472

Ай бұрын

That doesn't count the insurance on said car. The last vehicle I bought new (and never again), the collision insurance was as much as the car payment.

@unfairsanic5089

Ай бұрын

500 isnt that bad as long as she pay it off

4 kids wouldn't be a problem if they didn't have all the debt. The credit card debt alone is a killer. They're obviously maxed out. So they play the game of making minimal payments, but turn right around to max it out again. Take a hit on the credit score, and stop all payments on the cards except 1. Cut costs, don't go crazy at christmas, and throw everything you can at that one card. Then move on to the next one. Use all that child tax credit to your advantage come tax season, and put it towards the remaining cards. Then tackle the car payments, then student loans. It can be done within two years on the salary they make, and cutting all unnecessary expenses.

@GAFB1122

Ай бұрын

I agree and disagree. Agree 4 kids might not be a problem if they fix up their credit cards an debt but factually you can't say that 4 kids won't cost more than say two kids. Basic math and common sense. THINK people before you have kids!!

@atrain132

Ай бұрын

All that extra monthly debt going in circles takes away the money needed for 4 kids. 4 kids is definitely doable on a $100k income, but not with $60k+ of debt lingering above.

🙏🏿Jesus!! Thank you for rescuing me from debt debt

"what do YOU owe on your car?" "I owe $20k" "WE owe!!" 😂then ask the correct question. "what do BOTH of you owe?"

Four kids by age 26 😬 May the odds be ever in your favor!!

This is one of my favorite channel. It always makes my week complete! 😊 Despite the economic downturn, I still manage to earn $25,000 weekly from my investment of $3,500 ..God bless *DaleValskov*

@petersimpson633

Ай бұрын

liar

That's enough kids.

@dickjohnson5211

Ай бұрын

Two kids ago

@stevenporter863

Ай бұрын

Wow! They really have no business having four kids with that debt.

@The-Oneness11

Ай бұрын

​@@stevenporter863kids put you in debt. 😂

@KathleenMcNe

Ай бұрын

People who can't manage their finances choose to have four children. No common sense.

@jimroscovius

Ай бұрын

@@The-Oneness11 No, stupid financial decisions put people in debt.

Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. I retired with 5 million dollars

@Melleigh-sz7oc

Ай бұрын

If you’re new to investing or have a more complex financial situation, It can be helpful to work with a financial advisor who can provide personalized guidance and help you make informed investment decisions.

@SheyMillheiser

Ай бұрын

That's correct. At first, I wasn't too pleased with my gains compared to my previous performances, I was doing so poorly, I thought I needed to diversify into better assets, so I got in touch with an investment-advisor. That same year, I pulled a net gain of 550k, which is about 10 times more than I average on.

@williamchukwudobe

Ай бұрын

Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

@Melleigh-sz7oc

Ай бұрын

The coach that guides me is THILO MOUKOKO, it shouldn't be a hassle finding his seeing that he's actually quite popular, just search his name.

@williamchukwudobe

Ай бұрын

Thanks for this tip. His website popped up on the first page immediately I searched his, I read through his resume and it seems pretty tight. So, I dropped a message & hopefully she replies soon.

Dang the boys are out in full force.

So glad Dave asked about the husband? They're most of the time behind the scene.

Did we talk about birth control and day care? 4 kids should have required a lot of foresight and budgeting BEFORE they got pregnant! They will be stuck in lower middle class forever even if they get out of debt unless he can seriously increase his income. He needs to be on a path to foreman or project manager.

@KathleenMcNe

Ай бұрын

People having more children than they can afford to support is a major contributor to poverty.

@MrJimmy3459

Ай бұрын

Kids grow up, buying a new car every 5 years will keep you middle class your whole life not kids

@sitcomchristian6886

Ай бұрын

People are being so dramatic about the 4 kids. This couple literally makes six figures, people.

28 and 4 kids, insane.

Haven’t lost a patient yet

Selling a house and buying another costs $$$!

@matthewgardner2144

Ай бұрын

When people declare they can make "$75K to $100K more than the actual value of the house" and then go buy another one under full market value, you know they're completely delusional.

@proudmoon3

Ай бұрын

I think the point was to move to a rental until they are in better financial shape.

Credit cards -Mortgages-Student loans-Cars-4 kids and other expenses,I’ll Be damn for real

A budget is like a calorie deficit if you stick to it, you’re gonna lose weight if you stick to your budget, you’re gonna spend less money than you make. It’s that easy. 😅

She's been driven for a month. Always find a way to trash the husband as always.

Dave pretends he’s a hillbilly but then he says your dumb if you don’t get a degree 😂

@user-mf4gz3sp1q

24 күн бұрын

...aww...you think you made a poiny...

She has a bachelors degree, so should know basic math and set a budget, all you need is a 5th grade education. But people don't want to make sacrifices they want to YOLO, well have fun with that when you're broke in your 60's on the cusp of "retirement"

@alycewich4472

Ай бұрын

It looks like in this situation one wants to get out of debt and the other doesn't. If they're both not on board, it's not going to work well. A rollercoaster is fun for a while, but hard to deal with in the financial department if one saves and the other doesn't.

28 with 4 children is wild to me. Wow.

@catherinewilke5583

Ай бұрын

They haven’t told her to close her legs yet, but that’s step one

@sitcomchristian6886

Ай бұрын

@@catherinewilke5583 Gross, woman. Way to keep it classy.

@user-tl7mj2bm4m

Ай бұрын

My suggestion: Start taking more cold showers and they should focus on keeping their damn legs closed.

The daycare bill must be a killer.

I'm a older guy I has one daughter she's 32 years old my ex wife had two kids from another man I'm glad we part way I'm 59 years retired from military I get social security and disability from the military I went to a technical college for heating and air conditioning I don't work now I don't college degree I'm renting now but I'm very financially stable got two retirement plans not much money I feel sorry for this couple because rasing kids cost a money and food is expensive car insurance is going to the roof and everything else just stick to a budget just pay bills that you can and don't worry about the rest

Poor guy, construction is falling off. New filings for home loans are down. Home refi, down. People falling behind, is up. Construction might not be a great option over the next 36 months

@melinated2497

Ай бұрын

That's true but it's offset by the number of people leaving the trade, so there is still a labor shortage.

the ONLY math that will save them would be them getting better jobs. they have too many kids with too little income. why they need 4 kids is beyond me.

@lot2196

Ай бұрын

Because children are gifts from God that we need to continue are species.

@mikezerker6925

Ай бұрын

Then you pay their bills! I’m sick of my hard earned money getting taken in taxes to fund stupid people and their stupid decisions in the form of “welfare”!

@Isengrim24

Ай бұрын

@@lot2196 Yeah but you stlll have to pay for them every month. God is not paying out child support buddy

@ChaosAOE

Ай бұрын

I mean that's not true at all lol, she can sell the car she owes 20k on and then they can easily deal with the rest. Their combined income is ~100k they can easily do this if they aren't retarded.

@semosancus5506

Ай бұрын

​@@Isengrim24if you think having kids is expensive wait until everybody stops having kids and the economy slowly collapses.

Maybe sell one of the kids LOL.. but seriously the dumb American dream is to own a home and have kids. Both are expensive. To all future parents; don’t have 4 kids when your income is only 100k combined because that is NOT enough when you factor in student loans, car loans and other loans.

@gracepettersen5282

Ай бұрын

It depends. If you make over 100k & both got scholarships and worked your way through school and bought your cars for cash and don’t carry a credit card balance, you can afford 3-4 kids easily. Especially if one of you is only working part time so you don’t have to pay for daycare for those kids. I do think in their case they only make $50k or so each being full time, that’s not great. Because they have multiple kids in daycare and that’s expensive. If you don’t need daycare or have debt, 100k or so goes much further!!

It’s fourth grade math but if your husband doesn’t want to do it, it gets so frustrating. My husband is in his 50s and every time we sit down to do the budget he leaves halfway through it and I have to call him back. I don’t know why he does it and asking him is like asking a wall.

@pnwflipper2089

Ай бұрын

He doesn’t want to deal with reality. It’s unpleasant.

@htran18

Ай бұрын

@@pnwflipper2089 yeah I get that it’s not fun, I don’t know how to get him to grow up.

@alinatamashevich3354

Ай бұрын

You cant, he is not grown up yet

@pnwflipper2089

Ай бұрын

@@htran18 that is so hard. Do you think he would be willing to take a financial peace university class with you? It might be harder for him to walk out on a room full of people and an instructor?

@htran18

Ай бұрын

@@pnwflipper2089 that’s actually a good idea thanks

its all her debt. I guarantee she wracked up most of the credit card debt.

@kaylacallaton7829

Ай бұрын

no it's the kids, 100%. Kids grow like weeds meaning constant new clothes, constant diapers, constant food, constant car seats, kid beds/gates/storage, constant replacing things they broke, constant medications, constant doctor visits, everything...kids are super expensive. If she's working too, they probably pay for a mother's helper/childcare/nanny/etc.

This video has inspired me to buy a brand new Tesla.

His pull-out game is weak

@beaniemac

Ай бұрын

u ain't never lied. or perhaps, it's strong, and they would have had 6 kids potentially.

@TheSonyExperience

Ай бұрын

Idk most men are bullied into having multiple children by the woman, his family, and hers. My family tried and failed. My wife got on BC right after our daughter was born. If she wants to get off it at anytime, in getting snipped. But the BC has worked just fine

@sitcomchristian6886

Ай бұрын

Life without kids is empty.

@matthewgardner2144

Ай бұрын

@@sitcomchristian6886 Having more kids to keep you from becoming lonely is not a good strategy for anyone, particularly broke people.

They would sell their HOUSE before selling their cars...

Her husband only brings him $50,000 a year in construction. Does he only work 2 days a week?

$2000 mortgage can go, $100k profit. pay the $60k. can be debt free in a month.

Not an american here, can someone explain how some of the callers have medical bills for delivering babies and there is this with 4 children and not a mention of medical bills?

@coreylindsly6778

Ай бұрын

She has a government job which likely includes generous medical benefits. So we the taxpayers get to pay for their medical care, while we ourselves struggle to afford our own. Here in America government doesn't work for the taxpayers, the taxpayers work for the government.

@patriciacole3030

Ай бұрын

@@coreylindsly6778 Recently retired fed here. I can assure you that health insurance premiums came out of my paycheck every two weeks. Yes, my employer paid a portion of my premium at a similar rate as most corporate employers. Now that I'm retired, I'm allowed to keep the same insurance but now I pay the whole premium.

@alycewich4472

Ай бұрын

My guess is that one or both have medical insurance through their job. So I'm assuming that there aren't any medical bills that haven't been paid for.

@melinated2497

Ай бұрын

​@coreylindsly6778 government workers tend to be paid at a lower rate than their private counterparts which offsets the benefits.

@patriciacole3030

Ай бұрын

Most people have employer provided health insurance that often covers childbirth.

$500 a month is 25 hours of driving Uber...but then again an extra $500 probably wouldn't be enough.

Downloaded the every dollar app and didn’t see any value to keeping it

Four kids is your problem. It may be too late for these people but the advice I give to young people is, don't have more kids than you can afford. People can criticize and cry about my comment all you want but FACT, kids cost money and more kids cost more money. I have one kid then I had a vasectomy. No matter the economy, life has never been to difficult financially!!

@donaldlyons17

Ай бұрын

Well no life is difficult with too little money. Money is a limited resource for the vast majority of people. But KZreadrs show making more money than one can spend it where benefits lie!!!

@singerjo5791

Ай бұрын

Kids don’t have to be that expensive. Extravagant birthday parties, etc… Say NO!

@sherrymathis8694

Ай бұрын

I agree that parents should be able to afford the children. At this time of already having the children, what do you suggest they do? Try to give them back? Plus we don’t know their situation as to how they came to have 4 children. They could have a family member pass away and they are now raising the child. My point is your point is not a solution to their finances, it’s just criticizing.

@penelope5500

Ай бұрын

Good for you. Probably more people should start the "one & done" line of thinking.

@GAFB1122

Ай бұрын

@sherrybendall5817 Fine, but you can not argue that 4 kids will cost more than 1 or two kids. So many people ignore basic math. Whatever someone chooses to do, do it with intentionality AND understand the consequences!!

Broke people!!!!! Interesting point of You! I respect it though. I uncreate that decrete for a gazillion times from this family and every family that has been called that! I DECLARE abundance 💐of all great things. I declare order. GOD’s guidance and wisdom to manage money and have a vacation with children even if is a road trip and you bring home good . Woow!! That’s not very Christian comment!

Oh FFS too many kids. Have them when your older

@sitcomchristian6886

Ай бұрын

As a woman, no guarantees. Fertility slows at 30, and then takes a nosedive at 35. They make six figures, they can have all the kids they want.

These two are hopeless

Stop keeping up with the Jones!!!

He works construction. 99% chance he is addicted to trucks. Any amount he works extra will lead him to believe he “deserves” a new truck. I guarantee it!

@jimmymcgill6778

Ай бұрын

Stop assuming.

@donaldlyons17

Ай бұрын

Way would he want more cars?

@Bamapride1985

Ай бұрын

You are thinking of the contractor.... He is a laborer @ construction making 55k year. He most likely is driving a beater to a travel center and meeting and riding with the boss to job sites. He doesn't have a car payment and she does.

@ykook7000

Ай бұрын

That's most men in every generation always got to update the vehicles

@brookiegremlin6660

Ай бұрын

🤣🤣🤣 so dead on

Construction he has to be making more than 55k.

Any chance she could transition to working from home and save on childcare? Also, I have found that making homemade bread has saved us significantly in groceries. I make a large meal every other day. The second day, we eat leftovers and a boule of homemade sourdough. Our grocery bill is always under budget now. Family of 5, single income. Don't listen to the bitter childless commentators lol

She might run the numbers to see if it's costing them more for her to work. It isn't just the daycare cost. There's work wardrobe, hair and makeup expenses, eating fastfood or convenience foods more often, because she's tired after working all day, and a higher tax bracket due to two incomes. It goes on and on, and a dollar saved is worth more than a dollar earned, because you aren't paying taxes on it the saved dollar.