$100K in Debt and a Baby on the Way 

OMG RIGHT!! Know so many medical professionals that are deep in debt but plan a wedding in Turk and Caicos!!

Lmao!

Husband was on the other line LoL The immaturity speaks volumes

Jade was not having any of it. 🤣

My favorite on the show.

Yep, Jade is absolutely the most Dave-like of all the personalities, good combo with George

She's my new favorite Co host

My favourite, breeding a dumber version of themselves.

I would say most of us don’t need them all of the time but most of us do need to move stuff. I have had to ask friends and relatives with trucks to do things for me. I inherited a pickup last year that I sold thinking I didn’t “need” it. Now I am trying to figure out how to move some stuff from another state to mine wishing I had one. Companies are quoting me thousands of dollars as if I was moving a household which I’m not. I have a small SUV and decided to pay $500 for a hitch plus installation. I plan drive down and rent a trailer which is much cheaper than renting a truck. I don’t have to book a flight and rent a car to bring my stuff back. I vote SUV (i buy mine used) and a hitch as the way to go.

Also a project manager for a GC. I drive a 2009 Nissan Altima coupe… believe it or not, when I fold the back seats down, I can slide 10’ 2x material in there. Granted I have to take all my tools out😅 it’s a bit too small haha, but it works. When I load up a ladder it hangs out the trunk too lol

I’m a PM and drive a Chevy Malibu lol but if you run your own business you most likely need your own truck. Regardless this guy needs to go be a PM or a super bc he’s not cutting it as a GC

@@briankelly7978 exactly. Hone in those skills and then take on being a GC when you’re ready. I will admit I do borrow the GC’s truck all the time for picking up material. Not to mention all the different trailers

Literally same. It’s the person, not the cash.

Yes. The thing that drives me crazy about the Ramsey Show is that they lose touch with the Middle Class. 5000 a month is good money in America. They should have been able to live fine on that

​@@laurijohnson7754we don't look down on any class, we carry everyone along..

It depends a lot on your location. Some areas that can be pretty decent income

Awesome! LIVE BELOW YOUR MEANS! So many people in this country can’t or don’t want to do that!

This is why we need to legalize abortions

​​@@siva47931No we don't. Use birth control that prevents you from getting pregnant in the first place.

​@@siva47931No we don't. Use birth control so you don't get pregnant in the first place.

​@@siva47931No we don't. Use bc so you don't get pregnant in the first place.

​@@siva47931Use birth control so you don't get pregnant in the first place.

Yup

Stop buying things should be first. Needless things that is.

​@BREEZYM6015 well .....that's true too.

@@BREEZYM6015exactly! I am down to living on ~20k per year… I make around 75k after taxes… after paying off all debt in 2020, I continued saving and investing the amount that I was using towards paying off debt and now have a large 6 figure portfolio! It can be done!!

Smart.

$600 is good for food and wedding silver and CZ doesn't seem good for rings

@@KS-cl8br It got the job done, and it doesn’t turn your finger green.

@@KS-cl8brthey could replace those rings later once they’re millionaires

​​@@KS-cl8brMy ring is also silver, cost 10 bucks 9 years ago, and has 31 zirconia Stones. It is still the most beautiful ring I haver ever seen.

I’d bet my paycheck they aren’t actually making 7k most months and don’t track expenses so 7k is whatever money landed in their account without deducting taxes or expenses. Still if they made even 4-5k month that’s a respectable income, but not with all that debt and bringing a kid into the world. They don’t sound like they want to sacrifice. I think they’ll learn the hard way.

V and P don't know income

This is why I’m for abortion

Exactly - Market value. If someone would willingly finance that much for it then why not make it cost that much

thats simply not true, i plan on getting the ring on a credit card.

@@angrialex3409thats true!!! You borrowing your future!

It shocks me too and I am from the states

@@creolelady182 who let these people buy those cars and trucks ???

Not all of us! These calls are from people who are extreme. but yes far too many people here go into insane amounts of debt. I am personally not in debt at all.

Different cultures. In Germany I hear credit cards aren’t a big thing, they prefer debit cards. Germans aren’t as materialistic I don’t think. Your average rent is $1000 meanwhile the US is double at $2000. Your cities and towns are more walkable bikeable, better public transportation and driving distances are less so you save there. Schooling and healthcare costs lower. Average take home of a German is $2853 and average take home of an American is around $3300. So while we may make a bit more on average our cost of living and way of living is more expensive. If you’re more than average though in the USA you can make a a lot more than in Germany and becoming a home owner is easier from what I’ve read. So there’s pros and cons.

Do all of you have to pay student loans?

😂

I came here for this comment

Then she’ll be crying for the taxpayers to pay off her student loans! 🤦‍♂️

So true!

When people say “businness, communication, psychology, sociology degree” etc etc it’s a dead give away they will never get a real career. My neighbor couple is a nurse and a plumber. They make actual money and have real jobs.😂

And that trailer is easier to load things in and out of than the typical work truck that people use these days

She's the only one who holds women accountable and doesn't handle them with baby gloves like the misogynists.

😂

It’s up to God.

@@miketheyunggod2534😒

@@miketheyunggod2534 Only if you're dumb enough to have sex.

​@@miketheyunggod2534🙄🤦

NO. She only have a year left. And she already took out the loans.

she is going to school so obviously can't devote full timd to it

Working fast food is stressful and exhausting. I don’t recommend it if you can do something else.

I doubt he’s making 5k a month. She just said that because it sounds good.

Businesses take time to grow though, in 6-8 months that ain’t too bad if it’s a hobby

Try nursing​@@JewelBlueIbanez

ummm rich people have kids too 😂

@@mollymaee He said “keep” having kids. Watch the movie “Idiocracy” when the bubbles are popping you will understand.

@@blackworldtraveler3711 sooo we’re taking notes from a dumb movie 😬 yikes

@@mollymaee Used to be a comedy. Now it’s more like a documentary and not funny anymore. Like I said you will understand.

@@blackworldtraveler3711 welp… can’t help someone who’s taking life advice from a comedy and calling it a “documentary”. 🤦🏽‍♀️ you’re right… wear a condom and practice safe sex please. 🙂

Yup! A bunch of bulls-!!

Isn’t that infuriating?

@@focojeepr why do responsible people always have to pay for other’s mistakes in this country??

So just go take your money and pay Trump's legal bills. That would be wise, right 😮

@@divineorder22 difference is, ignoramus, that Biden ACTUALLY wants taxpayers to foot other people’s student loan payments… where has Trump ever forced people to pay his legal bills??

300 a month is nothing monthly for student loan debt.

Why doesn’t she double or triple the monthly payment and pay it off?? That’s what I did… my minimum payment was $450 a month… I paid $1200 a month and paid it off in 4 years!

@@mikezerker6925 there is probably no money left .

Because they know they will be ridiculed when ultimately answering. Case in point, her eventual factual reply.

Exactly as Jade said. They are now realizing that they do not make enough to sustain their life. With the amount of "Ums" said, shows these young people need to get real............grow up before that baby comes.

and then and then and then

You just killed me here 😂😂😂😂😂

And my great-grandfather washed the car that Hank Williams died in. My favorite cereal is Fruity Pebbles.

Because he doesn't make enough money to call it a business. Like Jade said about the wife's "business," the guy's "business" is a hobby too.

Seems more like a business fantasy to me. They are having a baby now. Time to get real jobs/career and taking less risks.

I’ve made quarterly payments late and I didn’t get penalized

@@laurijohnson7754 You only get penalized if the amount you owe is over $1000 and you don't meet one of the safe harbor provisions (you paid at least 90% of the tax owed for the current year, or 100% of the tax owed for the previous tax year). Given that they are consistently paying >$5k per year at tax time, there is a very good chance that they are paying underpayment penalties.

Merica

Seems to be the popular choice nowadays.

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

She is really a good investment advisor. I privileged to attend some of her seminars, that's how I started my crypto investment

wow, it's so relaxing to see my Mentor speak here, I thought I'm the only one who knows Ms. Sonia, I think her good works speak for her now, she has built a good legacy for herself.

Mrs Sonia Duke is gradually getting the recognition she rightly deserves. She's worked for it and this is only a testament of her good works for families

I'm glad to write her today I do hope she will help me handle my paycheck properly☺️☺️☺️

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@@Lourd-Bab However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

@@Williams093 Oh please I’d love that. Thanks!

@@Lourd-Bab Judith Ann peace is her name

Lookup with her name on the webpage.

The problem is they wouldn’t even know how much they sold the baby for. They can’t math.

Ken would say call all your friends and mother to give you rides to work and babysit

@@curiouscat3384 Hahaha. Ken wouldn’t say anything because he is still trying to decide what to get for Lunch 😂

There is no FDA approved aphrodisiac and conventional fertility treatments are a gamble at best, but being dirt poor basically guarantees a litter of kids.

Broke people having kids do more for the country than rich people with no kids. Of course ideally, you'd have rich people with kids xD

Most kids are not planned.

​@@jimmymcgill6778that's the dumbest thing lve ever heard

@@ykook7000 That's the truth. You don't like to hear the truth?

Exactly! My grandparents were so frugal but they had a TON of money on both sides. I remember my grandfather telling me "you want to make money while you sleep." And I guess that attitude passed down to my dad (RIP), because I remember going to his house one day and I had bought something I really liked, so I wanted to show it to him. So I said "Look at this! Isn't it cute? It was on sale...I saved 50%!" My dad replied "Well, if you're spending, you're not saving." Obviously I had no retort, and that has always stuck with me.

Saving and investing wisely while prioritizing necessities and a few small luxuries in relation to one's total assets is a great approach. It helps ensure financial stability and I my for the enjoyment of life's little pleasures without compromising long-term financial goals. It's all about finding a balance that works for you!

very true, a huge part of my portfolio growth has come during this bear market. I've been able to scale from $180K to $572K in a short period of time.

How do you do that? I'm interested

Thanks to my co-worker (Alex) who suggested Ms Brenda Leigh Van.

if you start investing into a high yield savings account at 5% and you have a mortgage at 2.5% and your mortgage payment is 1000.00 and you invest 1000.00 a month into a high yield savings account.. That first month you would have paid about 300 in interest towards the mortgage meanwhile your 1000.00 in your high yield savings account made 50.00 dollars. The amount of interest paid in the first few years of the mortgage loan outweighs the amount of interest accrued in a high yield savings account. That's why the guy l initially responded to giving me 'simple math' left out the first 5 years of the 15 year mortgage. Don't try and insult my math when you simply can't comprehend simple math.

I see you’re avoiding responding here and admitting you’re wrong.

@@Emerica771 because your example is idiotic, u are comparing hysa vs mortgage, Thats dumb Putting 5% into hysa is pathetic, how about some funds for 10%+ and some crypto for like 50 -100%???

@@johndone8045 it’s not putting 5% into a high yield savings account, it’s putting the monthly mortgage payment in the high yield savings account with a return rate of 5%. No wonder you don’t understand you really are just stupid.

@@johndone8045 the entire comparison of this debate was whether or not it’s more beneficial to put money into a high yield savings account rather than paying off your mortgage early. Good lord you are a high school drop out no doubt.

Many here call this unnecessary type irresponsibility “sacrifice” when having kids.

You can buy a 2019 transit van with 50K miles for 21K right now. Go up to 100K miles which are still great vans and you're in the 12K ballpark. They could have saved for 6 months , sold the Mazda and had one outright

Nobody wants a van when you need a truck. How are you going to tow a gooseneck trailer with a van man, how are you going to tow your back hoe or skidsteer with a van man

@@squish2913for most tradespeople, a work van is much more practical. Less cool, but more practical. The exception of course being those who need a gooseneck but they are the minority of truck owners.

@@squish2913 he was doing his job with a Mazda sedan meaning he isn't towing anything. His wife admitted he didn't need the truck as well. Yall act like every general contractor needs to tow 10k regularly 🤦🏾‍♂️

@bun-n-cheese1290 she never stated it was a sedan, Mazda makes trucks as well, and maybe his business needs have grown or changed , I wouldn't accept the wife's info as fact, look at the mess she's helped create already

The wisest thought that is in everyone's minds today is to invest in different income flows that do not depend on the government, especially with the current economic crisis around the world. This is still a good time to invest in gold, silver and digital currencies (BTC, ETH... Stock)

Yes exactly you're right but all thanks to Franca wellis ,I really appreciate her efforts and transparency..

I remember giving her my first savings $20000 and she opened a brokerage account for me it turned out to be the best thing that ever happened to me.

This is a definition of God's unending provisions for his people. God remains faithful to his words. I receive this for my household.🙏🙏

Please, I'm pretty new and feel I have much to learn, I would appreciate if you show me how to go about it.

It doesn't surprise me. They'll throw credit at anyone as long as there's some kind of asset they can seize.

Waking up every 14th of each month to $210,000 it’s a blessing to I and my family… Big gratitude to Angela Derle🙌

Hello , I am very interested. As you know, there are tons of investments out there and without solid knowledge, I can't decide what is best. Can you explain further how you invest and earn?

Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Angela Christine Derle, has been an amazing experience.

YES!!! That's exactly her name (Angela Christine Derle) so many people have recommended highly about her and am just starting with her 😊from Brisbane Australia🇦🇺

Hello how do you make such monthly?? I'm a born Christian and sometimes I feel so down 🤦‍♀️of myself because of low finance but I still believe in God

No pull out game

@@fastcars514 what was the point of this comment?

Living the one life you have.

​@@miketheyunggod2534... And calling a national show for help. The stress in her voice, no thanks.

Yeah living. Or ensuring you work until you die.

She’s fully qualified to work in congress so she has that as a career path

Selfishness and lack of self control