“He’s Terrible at His Job!” 

“Find a grandma who you trust for a fraction of the cost of childcare”. Are you kidding? Where does one find a unicorn?

She gotta start working asap.she definitely can't be a stay at home mom

If he's bad at his job and she's employable then he needs to stay home with the kid.

Man, this was a vey good call. People seem totally out of touch. Living in another country doesn't change anything.

It’s not his ability to work, it’s all this debt. Then let’s have a kid on top of this mess

"I have student loan debt but instead of getting a job in the field I got that debt for I'm going to sit on my ass at home"

These financial clips are why I no longer assume someone who owns their own business make bank. The reality is a significant number of business owners don't.

They owe 460K and he is doing uber. Yikes.

I find it interesting that she says he is “bad at his job,” as opposed to saying that the market changed and things are no longer sustainable. Saying he is bad at his job sounds accusatory, like she believes he can be doing better.

Grandparents are working these days.

One works at night. The other works during the day. Et voila……childcare is taken care of.

Dang $150k in a heloc is crazy

So your solution is exploiting an older woman by paying her a fraction of what you should? You guys never suggest that SHE take in another child to watch, which she could do. She can also work while he is off work.

People this is what Millennials, Gen Z and new gens will live. They keep spending and traveling with broke family and friends then have an oh crap moment. Thank's for calls like this we live and learn and on route to a great retirement. Wish this caller the best. They will need to work hard for several years without derailing ❤

Hmmm wtf are these people thinking. I haven't worked in 6 yrs😂😂😂

Is “property acquisition “ a fancy way of saying flipping houses?

WHYYYY DO PEOPLE BRING CHILDREN INTO A SITUATION WHEN THEY CANT EVEN PAY THEIR OWN DAMN BILLS????!!!

Ken be like…where is my Wingstop Order already 😂

Why are these people so clueless when they call in. “I don’t know … “ is a common phrase coming from these people.

They went through financial peace and do not follow any it

She has student loans and wants to be a SAHM. Nope!!! Get some child care and get to work you strong and independent gal you!!

Dave would’ve told them to sell the house.

How do you not know how much your own house is worth?

She could at the very least work evenings

Ken: “WHY ARENT YOU WORKING 24 HOURS A DAY?! YOU’RE TOO POOR TO SLEEP!”

So true! Wealth has no shortcuts, here are ways to acquire it..🔥

Why is it that all time high earning people pile up so much debt. Ridiculous! They never pay off their debt but continue to take more debts/loans.

Go back to work no one's buying in South Florida those houses are overpriced and the HOAs are ridiculous I was born and raised in Florida and left I just couldn't sustain hubby better learn a new skill set and you go back to work until things get better

I kinda doubt he's all that hot of a real estate flipper (after all, that's the way Dave went broke). Everybody looks like a genius in a hot real estate market. Conditions like we're currently experiencing separate the skilled from the unskilled.

Yea… that’s the risk of working commission or flipping properties. The risk is big and the rewards can be huge… it’s a gamble and that is the hesitation for most people. If it goes south… it can be tough…. And here we are. This is the situation most people are scared of being in. He made 200k…. Should of saved for a rainy day

I don't work because I had a baby. lol In reality, I don't like to work, I have not worked in 6 years.

Currently all sales jobs are cutting costs and employees. Towing companies are looking for drivers to collect repo's 24/7. Highest volume of repo's ever.

We= I dont ever want to work and I want a divorce. 70% of the time this happens a divorce happens.

She needs to work. Bashing the husband just to sit at home doing nothing. She can at least work from home

1st you can do child care in your home. Charge 200 -250 a week for each child. 6 kids 1200 (200x6) that will clear you 4800 month to pay the mortgage. Since you said your mortgage was 2452 then you have 2348 left for food, utility, cell, car insurance. 2nd your husband get a better job or stay on Uber until he gets something better. You said your husband isn’t good at what he is doing. Then you go and make that money! Stop putting him down . Up lift him & you. And say I got a plan to get us back on top. Also to get your business started post flyers put it online Facebook create a website. And most important have confidence when you out here trying to get your business started. As women to women always have you something in your back pocket. And that goes to anybody!!

They both sound very unaware how the economy works and young emotionally. Her husband may not have even been is business long enough to experience all the business cycles or he would have planned for them (financially and having the baby). They sound surprised there is a slow time. She is playing the 'I had a baby' card, so she thinks that is her free pass.

Why is she a stay at home mother with student loans? Oh, had to find a man somewhere. I wonder what her mrs degree is in.

I hope I never get to the point in my life where my wife calls Dave Ramsey behind my back. Also thankful I’m not married to a woman who took out student loans to be a SAHM

Real estate fluctuates with interest rates, $200k/year was never sustainable for basically flipping houses, watch your lifestyle creep.

I’m confused. Why aren’t they working opposite shifts’? If he’s doing Uber, she can be working in the morning doing underwriting or whatever while he watches the kid and then they switch. You can have someone come in while you’re home to give some relief while you sleep but they are not doing everything they can to fix this. I can’t imagine making $200k per year and having no nest egg to fall back on. This is nuts

Should have thought about the impact of losing your income before you got knocked up, eh?

Real Estate people love to "live the lifestyle" and spend big when the money is good. Now that things have slowed down they are left out to dry. Many such cases.

Everybody and their mother wanted that easy money and though the gravy train would never end 😂

I pray over this family so they can come back and show they got out of their mess! I hear husbands fear and him giving up. I realise society acts like it no longer values men of character that want skin in the game to nourish and protect their family. I love and respect men taking care of business. This man needs to know this again.

he should be calling in, not his concerned wife with a new baby

The advice is find free childcare and get jobs that pay well. Looooollllll

Daycare is like $7/hr, how are you going to find some neighbor or old lady from church who is willing to take care of an infant for 45 hours a week, for less than $7/hr??

Their entire problem is summed up in 4 words. Stay at home mom. Why does she have student loan debt but isn’t working?

Americans currently have record personal debt levels : credit cards , home loans , HELOCs, etc. One economic downturn and the whole structure will collapse

After the call, she went to scream at the husband 😅

Very foolish if they made 200k a year while the market was hot and have nothing to show for it! Dumb dumb dumb

She needs to find child care and get a job.

Once again (this is about the third time he's said this), Ken greatly overestimates the supply of "nice Christian ladies" or "sweet grandma types" who have nothing better to do than take on the full time job of keeping working family's kids for a few hundred dollars. He's also telling on himself. He's pretty well off but stating he takes advantage of and underpays sweet church ladies.

tbh this infuriates me. There are people who came here illegally and are being given freely 4,000 a month just to make ends meet and they dont pay takes. These people have contributed to the economy and now theres no monetary help they would qualify for if they are citizens.

Why have a baby if you're in this financial mess?!

Why isn't John Baloney on this? He would have asked... "Are you safe?"

Thank god I never had kids. I had a friend fellow brother in arms. He served 14 years in Army was deployed to Iraq twice. When he got out of the military at 39-40 years old he became so lost severe PTSD, drank like hell, did every drug known to man and couldn’t hold a job longer than a month. He was receiving a measly VA Disabilty check of around $1900 a month. I let him live with me for 6 months and it was worse 6 months of my life while trying to help him fight his demons yet he was not ready to help himself. One thing he told that I never forget is that he never wanted kids because he was having to much fun and didn’t want the added responsibility of another human when he admitted he was living so reckless and dysfunctional. I always respected him for that despite his crazy habits.

Why not sell the house and move closer to family? Neither one has a steady job yet so relocating may be a great option.

Child care is more than care, it’s nourishment of their minds and hearts. It cannot be done by anyone but the parents. What you suggest is not an option. The advice is here is bad. Instead, sell your home, downsize to the tiniest apartment you can live in, near family. They didn’t even ask about your cars but trade for something you can own. Most of the debt is now gone and he can work two jobs for a couple years.

These folk make me feel financially secure. I rent a nice room in the city centre at £495 all bills inc and work for the government full time taking home £2000 per calendar month. £4k savings and no debt. no kids and no wife

I really want to know what goes through women's heads (and I'm sorry, this is really mostly women) when they got into massive student loan debt to be stay at home wives. I couldn't even sleep if I made my partner pay for my degree that I'm not using.

Papa said I will provide and then did not.

It's always good to have someone who isnt working, tell you you're doing awful. I hope he leaves her and flees the country.

most realtors only sold either one house or less than 5. think 50 percent was either 0 or 1. 70 percent less than 5. its a joke with brokerage's fees too.

This same call was already done by the husband in another segment that is weird

Anyone who doesn’t work for 6 years doesn’t want to work. Who wants to bet she uses every social program as well?

Feel sorry for this guy. Woman tells her husband he's terrible at his job. His self esteem in the gutter

They should have paid off their debts with 2 incomes BEFORE having a baby.

Time for him to change his wardrobe and find work with a property manager or contractor.

They have 94k in consumer debt and it's unfortunate they didn't ask how much was CC debt. If they have 74k in student loans, and 20k in CC this isn't that bad. If the house is worth 400-500k then they still have 34-134k in effective equity still including the HELOC.

For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 with $20k and I'm up with $232k in a short period of time

Sounds like girlfriend is letting him make all the decisions and she's not as involved as she could be.

Selling the home is NOT the worst case scenario, outsourcing childcare is. Utterly backwards advice here.

Find local mom's club, many forming coalition type childcare arrangements @ fraction of cost. Great socialization for child & less germs/illnesses than daycare. Would offer sense of community this couple needs as well 🙏🏼

He was making $200,000 a year, but they have $460,000 in debt and no savings. This is what happens when you spend irresponsibly and fail to build any savings. She should go back to work and he needs to find a better paying job.

I'm favoured, $27K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America.

He should be calling not her

4:13 yo stop interrupting your freaking clients. How much she made a year as an underwriter?

dude was making 200k a year and they have no savings? where did it go when times were good?

Time to sell the house or the kids.

I tried Uber. I had to pick up a guy at Lake shore drive in Chicago and take him to the Trump Tower. $2.98. No tip. Don't do Uber!

She could do in home day care and interest is high. That’s why he has no sales.

Make it make sense 🤔..to pay off debt with more debt... duh 🙄

I think you should sell the home and get out of Miami and move to a cheaper state to rent around 1k or less even if it's a small house or apartment. My parents did it and it was the best decision financially when I was younger. You could work from home in the new area as well if you do not want to move back with family it is not guarantee they can take care of the baby.

I would be interested to see how much he actually made. He took out a lot of debt and faked an income it seems. I am not a fan of the wife saying he is doing bad at his job. The real estate market is very slow. Nothing he can do. It isn’t a steady income type job it is up and down based on markets and rate. They planed for the market to always be hot and now have to deal with that.

Student loan debt for a stay at home mom. Sounds like a sound plan for success.

I dont get it fast food pays 45000$ thats 90000 family income with 10000$ in daycare bill no excuse to be bankrupt im 2024

$2452/month? 😂😂😂

Hooters is always hiring, so are gentleman clubs.

"With everything going on in the world?" What the hell does that mean exactly? Like the war in Ukraine or Gaza? The guy is a real estate agent Let's be clear He isn't a high flyer doing so-called "property acquisition" Give it a break! Probably a flipper Musical chairs...when the music stops...You're screwed The fed has put the brakes on the insane real estate madness

She needs to get a night or weekend job. The husband needs to get a higher paying job working for someone. 💡😉

Find someone who will charge you $75 a week to watch the baby. Don’t put your baby in daycare

If your husband not on the same page get out and do it anyways because more you stay home no more chance of getting hired in your specialty which is underwriting. To be honest you are already late 6 years is a looooong time to be home .you most likely would start at very low grade pay scale wise. But it is never late to start. Good luck to you.

Maybe he's not "passionate" about it. Can't say I relate fortunately. It's pretty easy to be enthusiastic about receiving passive income.

He needs to go get a job.

Why doesn't she Uber and he stays home at night . Why can,'t she door dash during the day

uber is a nice side hussle do

At 6:35- George- "Cover our 4 walls- food, utilities, shelter, transportation, insurance." George needs a new metaphor for FIVE things!

Both need to work. Get. Jobs. Now!!

One word: "WOWW!" ----- WHAT did they DO?