I Feel Like I'm Stuck Living Paycheck To Paycheck 

Yawn

@@HOLDXSTEEL You yawn at the truth, cool. But the truth is the truth no matter the response or day.

I had to go both ways with my situation. I sold everything with value, drove a piece of junk truck and worked like a slave for years. Now, my family is set up to do well no matter what the economy does and I still drive the piece of junk truck locally. My wife hates it but it’s still running-ish for now. Being a millionaire is easy by math. The hard part is getting past the pessimistic psychosis of doing the dirty work.

I agree. Kudos to you and your family👏👍

@@mosquitofleetfishing6599 Respect

😂

BOYS and their trucks!! Yes, you read that right, BOYS NOT MEN!!

That’s white boys for you 😂

Yep.

I’m not surprised. New trucks, or even a couple years old, are expensive AF! Especially Ford trucks. A new Ford is around 100k these days.

Men? Sorry, my understanding of a man is one that rides a bicycle to work in order to put food on the table for their family.

We share one SUV. We have been saving and will start to look for a second vehicle soon. I want to get a car and he wants a truck. He claims we need it for the 4/all wheel drive. We already have an SUV. Maybe 2 weeks out of the year we get enough snow that we wouldn't be able to use a car. I keep pointing out that the cost of the truck estimates paying for the truck bed which we don't need.

lives in a 20k trailer while his 50k truck sits outside empty most of the day. America truck ya

100% agreed. no excuses, people wanna feel bad for not having the stuff others have, but if your marriage or relationship is solid you will not care. You have a kid, it doesn't require a leased new f150 lmao. it is like partying 24/7 with kids, dude you have kids, get it together, party time is over.

Exactly right! I remember working with a guy who bought a charger around 2009 when they brought it back for the first time. It was $40k and he ranted and raved and always talked about it. He was always pushing for me to get one. We were both blue collar at the time and I was making $15/hr and I was lucky to get 20 hours a week. I told him I couldn't imagine buying a car, something that loses value, for more than what I make in a year. He told me that doesn't matter and that we deserve it for working so hard. I was 21 and this guy was in his 40's. I'm so thankful for God's wisdom and disagreeing with him. I'm making nearly 10x's that now and he's still in the same job with the same mindset.

😮😮😮😮😮😮..... TRUTH is....... EVERYONE is LIVING PAY CHECK to PAYCHECK....I was driving local in a market saturated with people that would work for peanuts. I brought home 500 bucks a week.......and if I played my cards right,I had 80 bucks left over(20 bucks/weekly) for the month and that was me skipping breakfast and lunch and eating alot of soup/sandwiches.

That’s not the truth though. Many people, including me, don’t live paycheck to paycheck

You are just renting what you can't buy. It makes no sense to me. He is a mechanic but leases, WHAT? Diesel mechanic, different but still, he has the ability to fix his stuff.

@@adamseidel9780The substitute teaching surely doesn’t seem to be cutting it. Wonder what else she might be able to do with the MS

This is one side of the story. We can hear about what he spent money on, I doubt that she spent zero frivolously.

@@donaldjohnson-d6i Is that because you've been taught that women are always the overspenders?

I know this FA, Abby Joseph Cohen Services but only by her reputation at Goldman Sachs; even though she's now involved in managing portfolios and providing investmnt guidance to clients. I have been trying to get in contact since I watched her interview on WSJ last month

❤❤

Well her name is 'ABBY JOSEPH COHEN SERVICES'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.​@@EnaEnrriques

​@@EnaEnrriquesWell her name is 'ABBY JOSEPH COHEN SERVICES'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Abby Joseph Cohen. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, she was able to scale this quickly to $150,000.

Our income is many times theirs and we have never had a $650 car payment. I drive a Prius and my husband also has a hybrid. Not only is the truck payment high, but it takes a lot of gas.

lmfao that is nuts

I would give up my car and share one with my wife if my payment was ever that much. That's nothing these days too. I know people paying over $1200 a month for a huge luxury Chrysler SUV that never leaves the shop. I'll never go back to a car payment let alone one that costs more than my mortgage

Bingo. I drove around a Nissan Altima and rented a small apartment when I was getting out of debt. Took three years to pay off six figures and I was a single dad at that point. As Dave says ... personal finance is 20% head knowledge and 80% behavior.

I make 5x her salary and drive around an 18 year old car.

That is traditional thinking. Their relationship may have not been based on that originally.

Well said.

Well said.

Dude probably complains about gas prices, too.

👏

It doesn’t have to be hard. I made some sacrifices that made life a lot easier for myself.

@@MikeNapoli1989 short term pain for long term gain. Easier said than done.

@@Macntosh2technically, everything in life is easier said than done. It’s a moot point to use that as an excuse.

Sad but indeed true😊

Tell it to Elon Musk.

I like how 650 is a low end truck now a days

@@Tubeyou2343hhsg Tell me about it. I'm cool keeping both of my paid off 2007 cars. If one breaks, I have another. If both break, I have an emergency fund. Zero chance I ever take out a car loan.

650 is the payment. You can't tell what's low end versus high-end by just the payment. Especially without knowing how much they actually put down etc. ​@@Tubeyou2343hhsg

This is insane. My household income is $120,000 and my $300/month car payment makes me absolutely cringe. I can't imagine doing what this guy is doing.

She's not doing much at all to help the situation. Except call a radio show. What's the nature of your disability? That's the relevant question.

@@djpuplexshe has MS.

@@tracyaf6084 With a 8 year old? that was fast.

@@djpuplex you mean because she’s young? The average age for diagnosis of multiple sclerosis is 34. It’s a terrible disease.

@@tracyaf6084 It is but the progression was fast.

Drivin a decade old Toyota in my part of the world. Not the newest nor the nicest, but it's fully paid for and never breaks down.

@@kirstylynn3723 that was my first thought. It’s crazy how so many veterans don’t bother to do it.

Maybe or maybe not. It's good advice to see what you earned and are entitled to but it depends on the nature of his service. Clearly he did not do 20 years and retire on active duty because she would have mentioned a military pension. So beyond that, was he injured in the military, did he serve in combat, etc. Non combat veterans do not get a lot of benefits except healthcare for themselves at the VA. If you wish to challenge me on that, I am a non-combat veteran, who served honorably and I'd be happy to tell you what I get and what I don't get.

@@GAFB1122 As a Veteran myself that only served 6 years this is not true at all. I'm not a combat Veteran, and I am at the 100% rating and under IU

@@2ooflyyx68 Exactly! They just don't know what is available to them.

​​​​​​@@kirstylynn3723And how? What could have possibly happened to you as a non combat veteran that you have a 100% disability rating? You probably won't answer but let me just say this. I was NOT hurt or injured in the military other than the typical scrapes and bruises one can expect in basic training and throughout my MOS. I did not have any sort of PTSD having never served in combat. I was discharged as a healthy young man who went onto college and I was not going to milk my time in the service by claiming a disability that I didn't have! I don't know about your story, but I have a real problem with veterans claiming disabilities when they were more like me, healthy in body and mind post discharge! You would probably have told me, go and see what you can get BUT I just don't feel that is right.

Yeah, that sounded crazy to me when I heard it. Why would you ever spend $30k on repairs on a trailer? That's never going to add up. Is an old trailer, even well maintained, even worth $30k?

​@thomasdalton1508 before 2020 it wasn't, no idea now

Which is crazy because the country has both a major shortage for teachers AND qualified surgeons. Two careers that will never die but struggles with fulfillment. I don’t understand why the US wont just follow other 1st world countries philosophies to fix our problems. They are not unheard of or impossible to correct.

Yeah, I thought that diesel mechanics should be making damn near 6 figures, easy, but the caller is painting a picture of living in a literal poor house. Maybe the husband should get a different boss.

Well those people still make bank and live in their trailers. But on the good side they go to work in their leased F150 Lightening.

@travisbickle1455 50k ain’t making bank, no disrespect to anyone making 50k or less

It depends on the job/location like it does any other job

In California probably not Georgia

They do, it's called 6th grade math

NJ requires personal finance to graduate high school

Creating multiple income streams that doesn't depend on gov't should be on every individual list. Thanks to Stacey Macken, the lady that changed my financial life.

Honestly, I'm surprised that this mrs Stacey Macken is mentioned here, came across a testimony about her from one of the beneficiaries on the CNBC news, she seems to be doing extremely well .

That woman has changed my life for good. I attended her investment class couple of weeks and she's the best when it comes for guidance

Stacey Macken is a retirement manager and investment/savings expert, in ranks with Cathie woods and Warren, has demonstrated expertise in investment strategies and has been involved in managing and providing financial guidance globally .

I agree with you.I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling!

I wish people would stop trashing trailers. We own one and love it. Don’t knock it until you try it. They are easy to maintain with lower monthly expenses.

In 1990 my husband and I got married and bought a new mobile home for $20,500. We took out a 12 year loan on it and we put 20 percent down. We lived in it for 10 years in a mobile home park. Daring that time we bought land and paid for it to build our dream home. We sold the mobile home for $21,000. ( it was in a park,we didn’t own the land ) I wouldn’t change a thing. When we figure in lot rent and interest on the loan we still came out ahead compared to rent.

Truth! The cost of All housing has gone up. My neighbor made bank on his mobile home.

some states you pay way more. like NY/NYC or florida

US is a completely different culture. It's apples and oranges.

For men in a certain segment of American culture, a pick-up truck is a projection of their masculine identity. For these guys, driving say a Honda sedan would be demeaning and humiliating.

@@Chet_24 You are correct and I find American culture with their vehicle obsession strange and I am an American.

@@alberttang6955 thanks for this insight...

I'm 51 and lived all my life in the US, though I've traveled abroad. When I was a child, the folks who had trucks actually used them for work. They were in a trade, worked a farm, etc. Some years ago, the auto companies started marketing "big" vehicles (trucks, SUVs, etc) to the ordinary consumer. I live in a suburb and plenty of folks have trucks that have never been off road, hauled hay, or carried equipment. Plenty of folks also have sedans. In some cities, it's difficult to near impossible to do without a car. The city where I live is one such place. Public transit systems is way off topic, but, IMO, the US could do better. However, car centric doesn't equate to Big A$$ Expensive Truck. Like anything humans touch, objects can quickly become status symbols for many. That said, there are plenty of people in the US, who regard a car as tool to get them from A to B and aren't concerned with driving a status symbol.

Because people are willing to go into debt for. As long as their are sucker's who will, they will keep jacking up the prices.

It’s the new normal. $300 car notes are gone!

my Ram 5500 payment is $1500/month.

​@youtubeguy4539 . My car payment is $300.00/month!! So no, it's NOT gone. I bought it at the beginning of 2020 & it's a 2018 Toyota Corolla. It runs GREAT!

I can't believe how many crazy people are prepared to take on crazy payments.

Yes, I 'm sure that being a substitute teacher would be a stressful job, and there might be work that she could do from home (customer service, teaching English, etc.) for more days a month.

Multiple sclerosis and she was in a wheelchair for a time. Put down the hate!! I have a feeling you stopped listening as soon as you heard sell the truck. Shame on you! I see you edited your comment, lol. My reply still stands. Put down the hate.

I wouldn't call 15 hour days, six or seven days a week, and traveling every day "easy" myself. Point taken though.

That depends on the job/location

@@GAFB1122 Put down your own hate, nothing I said was incorrect.

@@Sizukun1 I READ YOUR COMMENT BEFORE YOU EDITED IT so stop playing!! You bring in your hate and bias toward women and the hosts by saying that they didn't inquire about her disability and went right to selling the truck when they did as they call went on. Your comment BEFORE you edited it said all I need to know.

Yeah, that’s the solution for a healthy relationship and upbringing of a child. That statement alone is why America is in big trouble! Jesus help us.

The person in the white house doesn't change your life in any meaningful way. The things you complain about here are happening in other countries everywhere else (except crippling healthcare debt - the rest of the world has sorted that out)

White guys for Harris!

@@GameNewsUSA1776 you misspelled simps / cucks for Harris

It's Infuriating that dudes do this to their wives and families it should be a crime 😒

Thats why it's called Highlights, duh

Good point

Yep, dating for marriage with no debt, paid off car,thousands in savings, retirement account, no kids and hitting the gym for me engaged in 9 months! No baggage is best way to go.

@@YellowStarrx3 you were in gage within 9 months?

The stress of her current financial situation cannot be conducive to her health.

@@mrsterious5845 stress cannot pay bills I think she just needs to work from home 🏠 to bring in extra income

umm no this is how people keep themselves poor

I knew a couple who thought and lived that way. It was "we deserve this," not "we can afford this": expensive custom home, expensive vehicles, expensive boat. Eventually, they lost it all.