I'm Calling B.S.... 

Some people glorify “self employment” so much that they think working for someone else is “below them”. I’m sorry but it’s not “self employment” if you are BROKE and make no money. You need to get an actual job and wake up in the morning. Playtime is over.

How are they married filing jointly with 32k in total combined income, and still are behind on taxes? you'd be paying next to NO taxes with that income

Any time Dave mentions “delivering pizzas” I want to order a pizza. Mmm

Their "businesses" are side hustles at best. They cannot live off 32K. It's time for both of them to get full-time jobs. They can still do their businesses at night and weekends. They need the steady income, insurance and retirement plans that a full-time jobs provides.

LOL! I love how Dave keeps it real and tells it like it is.

imagine calling in for advice and it ends up being a roast session about your husband

“He needs to start working 80 hours a week starting today” HAHA man I love Dave!

That smile Dave had when she said not enough clients was priceless

These people are not motivated at all. Thank God there are no kids involved.

Time to regroup, get steady jobs, and restart the businesses on the side

Lol! They have hobbies.. Not businesses.

no one says he can't keep doing the business.. it just can't be his main source of income anymore. it has to be his hobby now.

Dave has gotten better at telling people what they need to hear in a way that they won't feel insulted

Excuses minimal work ethic and poor choices are a recipe for a lifetime of frustration

Two people with a combined income of around 30k...sounds like laziness to me! On both ends!

I agree with everybody here, these sound like side hustles, for now at least.

This is just sad. For a married couple to BOTH be starting businesses simultaneously and to be so broke. It was not well thought out or planned for. Dave is right, as usual. Start a new business as a side hustle until you establish yourself, but work a regular job with it.

Theres no way you can't not have a job while you're doing these freelance stuff. Get a job, AND do these freelance things.

$32K per year is equivalent to each of them making $8 per hour on a 40 hour work week.

That girl is probably pretty mad at Dave right now, but she wasn’t prepared for the call. Too vague, didn’t know the answers, guessed on some answers, etc.

How is Dominos or Pizza Hut not a sponsor for Dave? Everytime he could say deliver Pizzas, he could get a cut by just saying “deliver for Dominos”. Seriously could be a beautiful mutually beneficial relationship. HIRE ME FOR BIZ DEV DAVE!!!!

These two need to get off the couch and go get real jobs. Two people making less than $40K?!

Bruh even McDonalds pays $15/hour now. That's $31k/year.

Funny how they didn't say anything about HER failed business endeavor....

worked full time -> Becoming Self-employ -> Problem with income (32K/year) -> Not enough savings for taxes/medical I agree with Dave, this is a terrible planning with jobs here.

Dave is the most honest person on radio

I wouldn't have left the full-time proofreading job. Whereas I appreciate the goal of being self-employed, it's definitely something you need to get out of debt and save up for.

These folks don't have jobs. They have hobbies.

I’m with you Dave. Excuse makers are everywhere. Elisa is annoying.

I’ve been self employed for 21 years. It is rough. The thing I have learned the hard way that advertising smartly is the most important part. Until you figure it out, keep your day job. It takes time to figure it out. Everyone who is successful now has failed numerous times.

I’m 16 and thanks to Dave Ramsey I have a better understanding of how to stay away from debt, build wealth, and invest. I have a way better understand of most people my age and older.

The thing about pretty much any creative service business is he can make $2k this month and $500 next month. Over time you build up the contacts, referrals and invest in sales to get a baseline income. We're talking 3-4 years to get to that point without a big upfront owner's contribution. So I agree, he should work for someone for those 3-4 years, freelancing on the side before going solo so this learning curve isn't hurting his family.

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

My oldest daughter had a similar experience with her first husband. He stayed home and worked on his sports odds making website, more a hobby than a revenue generating business, while she went to a real job to support them. He improved, but I think that the respect lost was too much to regain.

They are calling her man lazy in a not so nice way 🤣

You're not charging nearly enough. As a Lyft driver, I'm making more than that, and I still think it's low. Good lord.

Both of them starting separate freelance businesses at the exact same time, is a recipe for disaster. Editing videos and proofreading gigs are on Fivver for $20 a job. Nothing wrong with running your own business but swing for the stars.

It baffles me how every single caller somehow doesn't know what their annual earnings are. You should know that number without hesitation.

When she said 32k a year, I knew a bomb was about to drop… 😅🙈

He’s sick of excuses for those who are calling Dave out .

He's getting to a point where he's bringing home $2k a month before taxes? He's either not working enough, not charging enough, or not fast enough.

"Lazy" is the word that is being unspoken.

he doesn't want to change his way of life. he likes hanging out at home and working when he wants... but sometimes when the going gets tough you just gotta do whats necessary to stay afloat... then hopefully in the future he can go back to it if he grows his client customer base while he does it as a hobby... right now you're sinking

I've been in this guy's shoes and feel horrible for him. There is a huge learning curve to starting a business, and starting from zero customers is REALLY freaking hard. Don't give up on your dreams dude!

I couldn't even make it through the first minute of her phone call

$2000 a month nearly gave me an anoerism. "Very significant increase" 😳

This is like Gordon Ramsay asking a restaurant why they're failing and they say, "Our food is great, we just don't have customers"! 😂🤣😜

This whole “be your own boss CEO” trend has really gone too far.

“ You need to get jobs” lol

Wow, videographers/editors I know make at least $2k or more PER WEEK. He def needs to get his hustle up.

Thank God for Mr. Ramsey & his program!

I don't think they know enough about managing money to start their own businesses! They are clueless.

Sounds like they want their “freedom” more than a life.

Why do these people call the show asking stupid questions and claim they have been following Dave for years???? Ummmmmm....DUH!!! You already know what the answer is!!!!

“He’s not even a little deal yet.” 😂😂🤣

He does not hold back. AT ALL. Dang, fierce and straightforward like always.

$1000 a week delivery pizza? Now I call B.S. Maybe half that.

This was hard hitting facts from Dave that was necessary 👏

$2000 a month editing videos is like a few hours of work per week even for a mediocre editor. I used to do this in college and made way more than that part time.

why do all people think having a business is the best thing ever? Sometimes working for someone else is much better

Get real jobs. Not side gigs.

Sounds like they don't have a picture of their "real budget" right now, probably just multiplied his "best week" by 52 and thought he can slack off otherwise.

Dave lives in the real world and tries so hard to help others

I had to watch this because calling BS in one of my things I say. You don't save to pay taxes, when earning money you set aside money to pay taxes.

Get em Dave! 👊💥

I wish Dave would school people on how to settle medical bills like he does with past due credit cards. Virtually every medical bill is inflated. The insurance company will refuse to pay most of it, and I can speak from first hand experience that they will generally discount 40% - 50%; if you negotiate for it.

The duck analogy has me cracking up

Why would you quit your full time job to be an Uber eats driver?!

my man about to go from working 16 hours a week to 80 lol

I like how Dave has been continuously bringing on his other Ramsey Personalities lately. Also, Christy has been crushing it lately.

I see this with folks ever so often ,I call this a expensive hobby .

This is going to be good

Dave: He’s not a little deal yet 😂

Freelance, you miss out on benefits, pay crazy taxes (self-employed), etc. Making $30k? That's like worse than minimum wage.

"If you ever get annoyed, look at me Im self-employed. I love to work at nothin' all day"

Watching this vid made me feel better about my current problems

Another idea is to increase the amount they charge for the video business. Sometimes freelancers don't charge enough. But I do like the work outside the home and do this part-time while building up the clientele approach. Build up the business and master your craft before doing this full-time.

We’re calling BS on a lot of things lately

This is exactly why I’ve started my bookkeeping service business .. to help start up and small business just like this . It’s so sad to see someone so excited about starting a business but have no idea on how to run it and manage / make money.

Basically her husband is not a go getter!

I quit a very lucrative and stable job back in 2017 to pursue a business on the advice from my business coach (who was very, very wrong!) After living off $2-3k from clients for a few months, I knew what i needed to do. I got a serving job the SAME DAY, a few weeks later got another full time job on top of it, took time off from the business to regroup, paid off alllll my debt (60k+) since then and now can pay people to help me grow my business WHILE bringing home money that allows me to do that. Have dreams, have hobbies, and start businesses. But do it in a way that still takes care of you and your family. I am so happy with the foundation I've built and who I have on my team to help my business and side hustle income grow! Nothing steals your creativity more than the pressure to make it your income, especially in the beginning.

They could quadruple their income by working at McDonald's.

I call them expensive hobbies

Dave savage mode activated

She asked Dave how he was doing and he didn’t respond “better than I deserve.”

the problem with self-employment is the lack of readily available health insurance that's provided by employers.

Tell her to get her license caring for elderly... Just taking a class. People are paying $200-$220 a day (cash) in Roswell, GA for elder care. Just go to a few Church on Sunday and ask.

Wife can come alongside husband and help in marketing too. You’re a team, act like it.

I liked the boat ,and the Duck excenple Dave is awesome

It’s called “work” for a reason.

You kids need to work two jobs each. Quit being lazy. Work 80 hour weeks.

Dave: what do you and your husband do for a living. Caller: Well we both just separately quit our jobs to become freelance children's toy testers in order to make more money. Dave: I'm calling bs

80 hours is a lot. I know that’s what I worked this week

This is why as much as I dream about having my business, I know I am not fully equipped and capable to do that yet. Maybe someday.

This doesn't sound like self employed, more like unemployed. This is BS...they need to get a real job.

He doesn't tell people what they want to hear Dave's the best

Dave really helped me with what order to pay things.

Proof reading has changed. My wife got laid off and did the freelance proof reading for a few years. After a while, the work that was out there dropped to the point she had to give it up and took a different job.

Every time he says tackle your income problem first....@$32k your income is the problem

Wow Dave .. doesn't seem you are equally tough on Elisa. She doesn't seem to be working extra jobs and her business doesn't seem to be taking off as well. What gives?