How Do We Recover After Bankruptcy?

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How Do We Recover After Bankruptcy?
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21 ноя 2019

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Комментарии : 210

@suzannaelsner1858 4 года назад

I proud of this young gentleman. He's reaching out for advice while working to keep his family together. Congratulations to him!

@mmp495 Год назад

He's being honorable. ❤

@benreilly595 4 года назад

Dave: what do you make a year? Him: another kid...

@inabina2925 4 года назад

Ben Reilly 😂

@RPisa2416 3 года назад

Dave thinking EMT’s make 50-60k annually is incredibly hopeful and generous. Maybe someday the narrative and legislation will change where our essential workers are compensated fairly.

@blaisetelfer8499 2 года назад

I just looked it up for Kansas, and the median is $35K. Even in CA they're not making 60

@brendondowdy5651 Год назад

@@blaisetelfer8499 Dave is a firm believer in overtime. I support him on that

@jackjack4412 Год назад

OT shifts are very easy as an EMT. They can make 50-60K in almost any state without too much effort, just a good amount of hours.

@myytchannel6632 9 месяцев назад

He should file Chapter 7, not Chapter 13. He qualifies for CH7! Raising 3 kids on $45k a year is very tough. Congrats.

@FlyingMalamute 4 года назад

God bless these young couples raising kids. Those kids at least have a dad and mom under the same roof. May God bless their efforts to take care of their family.

@hondah35 4 года назад

Finally a comment providing light instead of heat

@user-eu2me4bp7j 4 года назад

LOL

@angelinap9997 4 года назад

Also, has no one considered that they may have had a set of twins? While I agree that future precautions need to be taken, the children are already here!

@mikeekim007007 4 года назад

Except that they are broke and she'll eventually leave him for a dude that makes much more money.

@AaronHernandez-xv4qh 4 года назад

A cat is fine too... lol you must have got cheated on and hate all women huh

@JakeThornhill 4 года назад

If you fail to plan you're planning to fail. Love Dave's constant emphasis on a plan!

@XFizzlepop-Berrytwist 4 года назад

In preparing for battle I have always found that plans are useless, but planning is indispensable. Dwight D. Eisenhower

@SteelRhinoXpress 4 года назад

45k a year is decent money in a state like ks where the cost of living is moderately low especially in the rural areas. the problem is he's trying to support 3 kids and a wife on that salary. I don't care what state you live in, trying to support you and 3 other people on that salary just simple isn't going to be enough.

@AaronHernandez-xv4qh 4 года назад

SteelCity1981 yes! That is for sure, and they are all young so daycare is expensive. She has to work

@paranormalwonder544 4 года назад

The wife needs to go to work.

@Zoot_of_Anthrax 3 года назад

3 kids under school age would cost more in daycare than this guy makes. But i agree, someone needs to work nights - either wife or husband.

@michaelseangarrison2867 3 года назад

@@Zoot_of_Anthrax She is at home, with kids...she could watch more kids for quite a bit of weekly income. In most states, you can watch up to 4 or 5 kids before you have to be licensed...that could be 300 or more per week extra

@Zoot_of_Anthrax 3 года назад

@@michaelseangarrison2867 most states its a TOTAL of X kids. My mom was licensed at one point and it was 2 kids under 2 max, and a total of 6 including kids in the home. For my mother with 2 older kids (myself and sister) and a baby under 2 (brother) that meant 3 additional kids and only one under 2. If you are licensed there are all sorts of rules and the money seems great to someone like me who 14yrs ago was paying 1300/mth but honestly between food and such its not a ton. However its an option - and still counts as work

@fatfullday 2 года назад

She has her hands full. He needs a better paying job.

@daniellecoffey4039 2 года назад

She needs to go to school while at home with the kids so she can help in the long run. Another $20k or $40k paying job won’t help.

@NS-pf2zc 4 года назад

Dave brings a level of compassion and reality that is truly refreshing.

@GenExDividendInvestor 4 года назад

No more kids, plan/budget better collaboratively. Good news is it sounds like he is waking up.

@bunacat1 3 года назад

Sometimes EMT is a stepping stone to get into the fire department. Here in the Bay Area and surrounding areas it is very hard to get into the fire department, most become EMT's first. Even if it pays a bit less initially, it might be what he needs to do to reach his goal. Good luck to this young family!

@jackjack4412 Год назад

In my area it takes 2-5 years on average to get with the fire dept. That's EMT and volunteer experience.

@robertbell525 4 года назад

Back when I was younger I was taking programming classes at night. Until I came to realize I'd be taking a pay cut to work as a programmer. I had to stop, it was a waste of time. Make sure what you aspire to makes sense financially.

@tpespos 4 года назад

Pay cut from what?

@greenAbbot 4 года назад

This guy’s life so far is summed up by the fact that he’s considering going to EMT school without knowing what it’s going to pay. He needs to start thinking about all his decisions in terms of how they’re going to affect his family’s life five or ten years down the line. Right now it just seems like he’s doing everything on instinct.

@limits16 4 года назад

greenAbbot he needs emt for fire fighting i think that’s why he’s doing it.

@lesliek7776 4 года назад

Seems to be doing okay for 25 yo.

@elmateo77 4 года назад

@@lesliek7776 meh his main mistake was having 3 kids by age 25. He seems like the type of guy who doesn't do any research or planning before doing something.

@sinx2200 3 года назад

Dave missed the point of him needing emt training to be a firefighter and they would pay for it, so the question becomes, how much is a firefighter’s salary?

@jackjack4412 Год назад

@@lesliek7776 what would make you say that? Being nice and kind doesn't change someone's situation.

@Dr.C_Stag 4 года назад

Dave, you are very wrong about EMT’s. “The average EMT salary in the United States is $36,270 as of October 30, 2019, but the range typically falls between $32,740 and $40,610.”

@cheezybred 4 года назад

C C criminally underpaid in my opinion.

@Dr.C_Stag 4 года назад

mark safronsky As a former EMT, I very much agree with you. 😂

@andddrewsays 4 года назад

As a paramedic making 55k I completely agree with you. EMTs where I’m at make $10-12 hourly

@Medicholmes 4 года назад

You’re right. I’m a paramedic and will make only at $40,000/year starting out

@Imafed42069 4 года назад

Exactly why I got out of EMS. I was making $13 an hour and working 12 hour days. I changed to a sales job and started making 3 times as much with half the amount of hours and a fraction of the stress and liability... it's not worth it to me

@lpersley24 4 года назад

I’m 32 with no kids. I’m still not ready 😂.

@JK20239 4 года назад

I'm 30. Same here

@mrjv750li 4 года назад

27 wait for me guys !!!

@notgaybear5544 4 года назад

well hopefully your wife isn't your age because it will become impossible for her sooner than yourself

@grilleFire 4 года назад

You will never be ready untill it's too late.

@grilleFire 4 года назад

you better get cracking...

@J30GHS 4 года назад

You got this bro! May have to sacrifice some time away from the kids to work a side gig a couple days at night but you can do it!

@zeezy17 4 месяца назад

Yikes, I feel so bad for this family. I know that’s stressful. Y’all are doing a great job, this economy really sucks. I hope and pray you all can live comfortably and raise your beautiful children (that’s the real goal) ❤

@bmassche 4 года назад

get the wife to do a home daycare... she needs to be making money... i had this problem for 8 years... one income is not enough esp if you only make 45k

@ludielizsilaya7207 Год назад

I agree! Or work remote or do some side hustles , only fans , something

@iomis2001 4 года назад

Dave makes it sound like making 100K a year is easy. He lives in a fantasy world. Where you live can also impact how much you can make.

@DoubleJVideos 4 года назад

That's kinda what happens when you're a multimillionaire

@butterfly9274 4 года назад

kolop1 maybe he should move to Texas

@derrekmitchell1012 4 года назад

It's really not that hard to make a 100k a year if your willing to do the work

@iomis2001 4 года назад

@@derrekmitchell1012 If it were easy we'd all be doing it.

@brandonrides8953 4 года назад

@@derrekmitchell1012 Doing what and where? Send me the application. I have a Highschool Diploma

@Mag1c4lyfe 4 года назад

@5:10 Dave: "When you goin' to school?" Troy: "Umm. It's uhh, it's uhh, a tech school.."

@AdaEstherGJ 4 года назад

You can do it. Work hard, have goals, work together, and your financial future can be drastically changed.

@NeoAndersonReloaded 4 года назад

The budget was two people need to work. This isnt the 50's. 5 ppl on your income is nuts. Inflation will kill you. Its only going to get worst as the FED has watered down our currency.

@kayleighm7856 4 года назад

NeoAndersonReloaded It is possible to live on one income, we had 4 kids my husband grossed 48 k a year and then we bought our first home. We had no credit card debt no car loans no cable and no eating out etc. We budgeted our money we had.

@willh3972 4 года назад

Its certainly possible but definitely more difficult as the days go on. He may need to work weekends and some nights too for a good while. Not forever but when you have a family you do what is necessary period

@ZacharyLaid 4 года назад

6:38 "if you're like me, your wife is smarter than you are" lol

@notgaybear5544 4 года назад

WEAK

@DaPoopIsInDaPudding 4 года назад

Zachary Laid Finding Freedom pussywhipped

@robertmessing1345 4 года назад

From my personal experience in rural EMS an EMT would be around 30k. A Paramedic would probably be 50k to 60k.

@taiiib2252 4 года назад

So people are just going to school to do what they feel like without checking to see what the career they chose will bring in lord help these people!

@dragonofparadise 4 года назад

I prefer to use the nominal median income for my data ($31,786 in 2017). Both are facts that are indisputable, but both paint a different picture. The average can be skewed by ultra high income earners who make in excess of $1,000,000 per year. It was a simple lesson in elementary school that averages are skewed by outlier data points.

@G.Farr4 4 года назад

Validusy Agree. Not sure why Dave insists on using an average vs. median.

@Insufficient202 2 месяца назад

Dave: “you gotta pull out on time..” Caller: “pull out? I usually go in deeper..”

@offgridjack5779 4 года назад

With 3 kids at his young age the wife needs to sit and binge watch some of those EXTREME COUPONING episodes and get to couponing!! She could actually make money at it.

@wolfofdubai 4 года назад

“When something is important enough, you do it even if the odds are not in your favor.” *ELON MUSK*

@DisabilityExams 4 года назад

Wife needs to do some online work at home.

@ARCGRAPHIX2011 4 года назад

Never answered the question on how to recover after banky

@brucelee8926 4 года назад

Unfortunately in today economy, most people need 2 or 3 jobs just to scrap by.

@ChrisMFlorida 4 года назад

Live on less than you make and don't have 3 kids without the income to support them.

@brucelee8926 4 года назад

@John Lester robots doing the jobs for humans is good for GDP. Suicide, depression, and Income inequality are at an all time high. Main stream media are lying about the economy. Millions and millions of people are being push to the side with the current system.

@mikeekim007007 4 года назад

Lol Yang gang checking in with the bad take. People that want to be doing well, are doing well.

@IamtheGL 4 года назад

Onward and onward

@donaldrichey3318 3 года назад

He has the right idea but he needs to have the drive to carry it out.

@BuckI2Bdad 4 года назад

Get a part-time job and double up the payment at a minimum

@yayyareaa2997 4 года назад

2 major major problems. #1 25 years old with 3 kids under 4 years old #2 Wife is the only one doing the budgeting and handling the money

@Deszy23 4 года назад

He cant slove number 2 YET the children are still babies. That women cant start working yet.

@vilenationgaming 4 года назад

Desy W you a lie! She can get a job. She just doesn’t want to

@michaelweyenberg6238 4 года назад

@@vilenationgaming the kids are more important. a mother is far more valuable than money.

@vilenationgaming 4 года назад

@@michaelweyenberg6238 Yeah. Let me call and pay these bills with her. "Hello, power company, I would like to see if I can pay my outstanding bill with a mothers love? NO... You dont take that as a form of payment?? Dang"..

@ExactAeration 4 года назад

If the guy wants to become a paid Fire Fighter he needs to shoot for paramedic ASAP. Problem with being a volunteer Fire Fighter is most department want more... and more ....and more free time at the expense of income, relationships and income. It can be a cut throat political tail chase yet if you want to land a paid FF/Emt slot...often required. Super competitive career chase....

@elmateo77 4 года назад

The average salary for an EMT where I live is 32k which is right about the US national average (just looked it up on glassdoor, Christ that's disgusting they deserve to be better paid than that).

@brendondowdy5651 Год назад

Glass door is so wrong. My job pays 120k a year and glassdoor says it's closer to 35k lol that's absurdly wrong

@elmateo77 Год назад

@@brendondowdy5651 Hmm that's weird. I just looked up EMT on the US Bureau of Labor Statistics website though and they say the average income is $37k, which is a bit better but still pretty low for someone with their training and responsibility.

@brendondowdy5651 Год назад

@@elmateo77 just to clarify I'm not an emt. I was just saying my job pays about 120k and thats the same for everyone with my job but glassdoor says average pay is under 40k a year lol

@cheezybred 4 года назад

The kids are killing him, i heard you can sell anything on ebay tho 👍

@misstbikini 4 года назад

maybe getting assistance and limited on working outside the home, hopefully they will take the risk with your help and clases

@user-eu2me4bp7j 4 года назад

This guy didn't think of how much the jobs actually PAY before he goes into it?

@danboone5672 4 года назад

I feel sorry for all these lost people in the comments worshipping money. Raising children in a committed relationship is the most fulfilling thing you will ever do in your life.

@JohnJohn-fq5bl Год назад

Can you please talk about consumer proposal. Is there other option to get out of 100000 in debt.

@opsecclassified6469 4 года назад

Dave...EMTs here in Michigan make anywhere from 12-15 an hr. I can't imagine his area making 9-10 an hr, Based off his area he lives.

@AaronHernandez-xv4qh 4 года назад

Hmmm, increase your income or wife has to get a job but daycare for 3 kids can add up. I’m roughly the same age so I feel you brother! Cut cut cut

@mattyounis5636 4 года назад

Can't feed em don't breed em

@GabrielMartinez-sd8pc 2 года назад

"idk what I did wrong" You had three kids, making $42k/year, wife doesn't work and have massive debt.

@nala3038 4 месяца назад

I'll take seven years of shame and bad credit for $500, Alex.

@insideoutsideupsidedown2218 4 года назад

people on here complaining kids are a burden/ they cost too much money/ you have too many, blah, blah, blah. Shame on you. Do you have kids? If so, do you treat them as though they are a burden? Guess what? What goes around comes around. I can't control my urges, so I need clipped. "I didn't know doin that caused children" DUH--What a bunch of numb-nuts

@nicolcacola 4 года назад

He should sell the house and use the equity to buy a cheaper house with cash.

@LadyAmandaReneeMerry Год назад

He did it right in my eyes. It's harder for women to get pregnant after 30. We will experience a population collapse in 10 years if we don't support young adults having children. For those of you who erroneously believe this is a good thing, who will care for you when you are old? Children are a blessing worth fighting for

@daniellecoffey4039 2 года назад

EMTs don’t make good money at all, he’s better of putting in the work to become a RN and making $80k depending on where he lives and working in the ER since he wants to deal with trauma and emergencies.

@chrislopez5287 4 года назад

A vasectomy has the highest ROI of any investment. I have 3368 days until I’m kid free. Not sure I can do the same thing another 3300 times.

@jmf1976jmf 4 года назад

Best 30th bday present I could give myself 👍

@yoshisatoshi3206 Год назад

Your ancestors are looking down at you with disgust. What a shame.

@linkbelt111 8 месяцев назад

It’s simple, income too low for 3 kids and a non-working spouse.

@francescakray233 2 года назад

Thank you. 😐

@susansauls8902 4 года назад

Dave asks "When?" Caller answers with 'what.'

@David-wo9un 4 года назад

If the average household income is $59,000, why are so many on the system? That number seems high to me.

@johnnymichael1804 4 года назад

Household income counts everyone that can work. Divide that in half and THAT'S what most people are making outside the big cities.

@XFizzlepop-Berrytwist 4 года назад

Also not everyone makes that. XD

@dragonofparadise 4 года назад

He used the average, which is artificially inflated by the ultra high income earners. It is a common way to skew statistics to support a point. I prefer the nominal Median Income which is around $40,000 per year, which would make this caller perfectly average income wise.

@julesflores8137 3 года назад

Yea he needs to ditch being an EMT or firefighter if he needs to make good money. They are both underpaid

@kylejones4858 4 года назад

M4A!

@patrickaustin8528 10 месяцев назад

How about a side hustle for extra cash?

@tortoisehead30 4 года назад

People file bankruptcy on $22K?

@MrsGalvanize636 3 года назад

That’s what I was thinking

@DarknessFalls29 4 года назад

It was painful for me to listen to Dave questioning this dude who couldn't fully answer the questions. He and his wife to use bc until they can get ahead financially.

@aig5429 6 месяцев назад

It's because getting kids is financially a burden. I make 35k a year and no kids my lifestyle is great

@lmbarnes3 4 года назад

He made the mistake of not planning kids. If you make little money you should not have so many kids. Family planning. I chose to be very careful because I did not have money.

@Andrey-xi5hc 4 года назад

This dude does not want to be an EMT. That market is too over saturated which drives the pay low and the competitiveness of getting into a FD makes it risky. Don't know much about law enforcement.

@kimberlyjaxson3478 4 года назад

True, and it sounds like he may have some health issues as well.

@Josie-nb6go 2 месяца назад

Though letting your wife being a housewife is chivalrous, sometimes the reality requires both to get jobs. Even if the wife gets part time job

@aig5429 6 месяцев назад

I feel bad for this guy, thats why i dont want kids myself. I make 50k a year in ohio, 700 rent and live very comfortably

@iluvworldofwarcraft Месяц назад

Doesn't take a math genius to figure out the issue: $45k, 25 years old, 3 kids. What does the caller think the problem is???

@Elizabeth-yg2mg 4 года назад

Irresponsible to have kids before you can afford them, plus the fact that the world needs fewer people.

@bilbobaggins8819 4 года назад

Don't EMT's make $15-$20 per hour?

@DisabilityExams 4 года назад

@bilbobaggins8819 4 года назад

@@DisabilityExams what do they make?

@justheather4144 4 года назад

Yes & no. It depends on what type of "EMT." Do they have their paramedic license? Do they do flight emt? What city do they live in. I've seen $12-30 in 5 cities. It just depends.

@anitaknight3915 4 года назад

no they make 10-12$ an hour where I live in Illinois!! very underpaid

@Judi4Him4Ever Год назад

I mean this kindly, but if it’s not against your beliefs, it might be a good line item on your budget to buy contraceptives. Three kids under four?! Yikes!

@stevelee7781 3 года назад

This guy will never be on the millionaire theme hour

@dmac3927 4 года назад

22k , could just pay $100 a month, they will take that

@Eric-steele 3 месяца назад

I hear a divorce in the works.

@littlehouseofthreads5584 4 года назад

This had nothing to do with his children. They are what he loves and is asking what to do like most responsible people do. You don't put children back or through them away. Med bills can be serious stuff on a parent. I know people who just as well be bankrupt with vet bills. They can't even pay us their rent. This guy at least has the sence to find out what he has to do. BTW kids are a blessing. And if you don't think they are , then what on earth do you think you were when you were a kid. Some one took care of you. Or you wouldn't be here to slap someone else over the head for bringing people into the world as God has designed. Self righteousness stinks a mile away.

@nickwiththemoney9141 2 года назад

dude only makes $3750 a month. cmon thats why he got no money, it aint his budget skills. the problem is there is not enough to budget at all

@100thesunking 4 месяца назад

you recover by not paying those fn credit card companies

@lana8305 Год назад

Why do they have so many kids ready? Especially on one income. Come on now.

@rotarypower84 4 года назад

He got a income Problem

@Geletin911 4 года назад

sounds like a 30 year old boomer

@notgaybear5544 4 года назад

there are a lot of debt free and barren people in the comments...Trying to justify their unhappy lives....you can always pay off your debt but you can't always make babies

@notgaybear5544 4 года назад

@hefe gonzalez LOL!!! I'd rather live and die in debt than not have children of my own. I have 4 sons and I am 34 will be debt free in 20 months...we don't live off beans and rice we just make all our food from scratch everything we buy is organic, pasture raised, and grass fed.

@tracibarnett2058 4 года назад

People define their own happiness.

@shachede6828 4 года назад

you can by adopting

@notgaybear5544 4 года назад

Is it antisemitic to be debt free?

@AN-tp4rs 4 года назад

Maybe you’re struggling because you’re 25 but you already have 3 kids.

@sbrazenor2 4 года назад

That's about my feeling on the issue. And they had them while creating a bunch of debt.

@stalstonestacy4316 4 года назад

What's he supposed to do? Kick the dirt and say gosh you're right and put em back where they came from? That ship has sailed but I'm glad you finally found someone to feel superior to. Go you!

@blackworldtraveler3711 4 года назад

Stacy Stalstone You must be in a single mother mess taking a post that wasn’t about you personally and saying the person is superior because of it. And that ship is just starting to sail with this mess.

@wspmjw 4 года назад

As the father of 8 who was debt free aside from the mortgage on an enlisted military salary, I have to state that unless you have walked in their shoes, don't judge. Children are only as expensive as how the parents spend on them. BTW, my salary upon retirement was $33K/year in 1999. It can be done if you budget (which we did).

@JK20239 4 года назад

@@wspmjw beans and rice? Not everyone wants to live on beans and rice, especially when we dont have to..

@23Fulani Год назад

Come on man. Wife is not in a position to be a house wife!

@MrTallandrew 4 года назад

3 mistakes causing you to struggle- 1.getting married 2.having kids 3.having a woman handle your money

@aligncars10000 4 года назад

This guy loves making stupid choices. Maybe another kid will solve the problems

@thomasmorrison3279 4 года назад

Stop making babies, get a better job or learn a skilled trade and make a better salary, and stop spending any money above minimum necessary expenses.

@RolandDeAragon 4 года назад

Making 45k in Kansas with the family in three kids goes a long way. You can even do that in LA. just as long as your housing cost make sense and you have no debt. I would say the issue is you're letting your wife touch the money.

@rickjohnson6711 4 года назад

Really? There are tons of jobs that pay 100,000.00 out there for all of us? Sorry this economy blows and I am bitter ! I make 20,000 a year ab=nd am fun debt to my ears and can't find a better job because apparently I ged out at 52! The world is an unfair place. Good luck!

@JK20239 4 года назад

There isn't. Trump's economy are low wage minimum wage jobs. Alot of trumpers think economy is booming with low wages lol

@derrekmitchell1012 4 года назад

I'm sorry but where I live you can get a job at most factories making 19+ an hour and its ky so the cost of living is cheap. I'm on track to make almost 70k this year with just a little ot

@DisabilityExams 4 года назад

Your victim mentality is the main reason for your success