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I'm Going to Live Paycheck to Paycheck If I Move Out!

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I'm Going to Live Paycheck to Paycheck If I Move Out!
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Опубликовано:

3 июл 2021

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Комментарии : 428

@gmarie3053 3 года назад

I’m 21, moved out this week with 10k saved. I cut my expenses right down and if I can stick to my budget will save 500 a month for a house. You’re doing amazing, good luck Ricardo!

@unelectedleader6494 3 года назад

Well, he just doesn’t have any bills yet lol.

@MiamiPush2theLimit 3 года назад

You will never own a house in this country.

@nikkisigmon8090 3 года назад

@@MiamiPush2theLimit loooool, bc you know everything

@weirdflex8158 3 года назад

@@MiamiPush2theLimit I will💪

@7318ify 3 года назад

@@MiamiPush2theLimit I will, but I know with that attitude you will never do anything in life.

@roberthuster1503 3 года назад

Dude has his stuff together. Sounds like he worked his tail off. I'm a fan of this guy.

@Ancano 3 года назад

Rent is so insane right now, stay at home until you graduate, get a great job, then move out.

@colewildenhus7207 3 года назад

Right now? U think it’s going down ?

@OTOWN2STOCKTOWN 3 года назад

Exactly. Not going down anytime soon

@somechinesedude5466 3 года назад

Might as well move out of state if possible

@Vesta0831 3 года назад

Or live at home until you are married.

@Eaglejake 3 года назад

Get roommates! Learn how to deal with interpersonal relationships, moving, paying the rent, paying the bills, sharing, dealing with landlords, etc. You can get 1, 2, 3 roommates and pay very little, but gain real world experience. Who wants to be 30 and moving out of Mommy and Daddy's house dealing with this stuff for the first time?

@zekefernandez210 3 года назад

25 here and moving out for the first time ever (just graduated from my masters) very nervous…but I’m a go getter ! Wish me luck y’all ! 🙏🏻

@adelea414 3 года назад

Good Luck!!!

@pe8841 3 года назад

Dang Masters congratulations, good luck on your journey

@arifali6762 3 года назад

Good luck

@gooseunit5931 3 года назад

I moved out and I don’t even got a bachelors lol

@zekefernandez210 3 года назад

@@gooseunit5931 that’s still awesome ! Any tips ??

@azteca6695 3 года назад

Don't move out! Stay home at least one year after you graduate. To save money.

@5000MikeMaster 3 года назад

No you should move out and have some dignity and pride

@Ovulations 3 года назад

Michael Post lol can you invest that anywhere

@Eaglejake 3 года назад

@justincaldero5174 3 года назад

@@Eaglejake I 1000% agree

@OneMinuteReviewer424 3 года назад

@@Eaglejake ive saved more than 100k living with my dad; for a year out of college, its money that will set me up later in life. i dont need roommates

@chief8079 3 года назад

Lol I wish I had 35K saved at 21. I regret not working during my teenage years.

@johnpirate9501 3 года назад

👍me too he's not behind

@RealGalaxyGamers 3 года назад

Teenage (13-18) or Young Adult Years?

@AyhamVI 3 года назад

@@RealGalaxyGamers im 19 and I regret not working earlier at 16, if you’re still young, please do yourself a favour and start working as early as possible, nothing that i cared about in my early teenage years got me anything.

@negan4089 3 года назад

Saving is the big thing I worked since I was 16 and always blew It on sneakers and food.

@Samuelsosap 3 года назад

I only have 7000$ saved; Also have 6700$ in my Roth. Props to him for grinding and saving all that money!

@moneybee 3 года назад

Sounds like he has a strong work ethic and good head on his shoulders! Hope he can finish strong for his final year, and can put that degree to work when he graduates!

@user-wh5ir4fo4r 2 месяца назад

Viewing this from the vantage point of 2 years later and I have serious doubts about degrees being a factor in anything.

@MillionaireMindsetClub 3 года назад

You are ahead of most people your age.

@livingunashamed4869 3 года назад

Let me rephrased that for you.....you are ahead of most people. Most people wished they had 35k.

@davidabkk 3 года назад

@@livingunashamed4869 yeh but he didnt earn it himself, and he mentions he's had "help"

@Joseph565112 3 года назад

He has no bills lol. Of course he’s ahead of ppl paying rent and for school.

@sethbender2863 3 года назад

Any 21 year old thag saved 31k is insanely awesome

@blackworldtraveler3711 3 года назад

All you have to do is work.

@meghanpatterson6851 3 года назад

@@blackworldtraveler3711 work and not spend your money on frivolous things lol.

@Cookieboy70 3 года назад

Especially at those low paying wages. Feel like it would take forever.

@chantalreneehayles7976 3 года назад

@@Cookieboy70 if you have supportive parents and work as much as possible, it's doable!

@bridgetgolubinski 3 года назад

I'm the gen Z they're talking about, been binge watching Dave this past month

@dianehaskins8640 3 года назад

you should read (or listen) to his books..

@savannahhalm 3 года назад

You should watch Graham Stephans too

@bridgetgolubinski 3 года назад

@@savannahhalm I do. I started watching Graham a little before Dave actually

@heytheremrbrooks1 3 года назад

As a 23 year old, I’m glad I started watching this series so I could learn from other peoples mistakes. I make good money from my job after college and have 42k in savings. He is right about us wanting to start our own business cause that is one of my goals in life!

@savannahhalm 3 года назад

You should watch Graham stephan as well

@littleripper312 2 года назад

I second Graham Stephan. He's younger so his experience is more recent and relevant to younger gens. Not saying Dave's outdated at all just that it's good to also get more recent experiences.

@unelectedleader6494 3 года назад

He has no housing or school bills yet. Easy to save up. Paycheck to paycheck is often even making $20/hr if you have student loans plus rent my guy.

@financebros7803 3 года назад

Also depends where he’s moving

@annewilliamson4831 3 года назад

Another session with great advice. Kudos to Ricardo for his work ethic and best of luck for his future.

@Someonelikekanye 3 года назад

I’m personally gonna move out either when Im forced to or when I get my degree, get a well paying job, and have enough for a downpayment on a home. Spending money on rent is a convenience when you need a place to live quick or when you’re figuring some things out in your life. The downside is that it sets back the amount of money you can save each month for a downpayment on a home.

@sweetgirl4u247 3 года назад

Stay home. Finish college. Then move out.

@barnabybananas339 3 года назад

hey I kind of relate to Ricardo, I am 21, living with my parents, toxic relationship but I don’t pay rent hence why I haven’t moved, also I saved up roughly about 52k, but I know if move out right now, expenses will eat me up, I have a part time job rn but I want to become a HVAC technician and start my own company

@Rob-- 3 года назад

You're the one making it toxic. Time to move baby boy.

@benfrankog6111 3 года назад

Keep living at home and saving your money if you can truly tolerate your parents. Move out if you can't. Sounds like you're on the right path. Best of luck to you.

@gooseunit5931 3 года назад

52k is enough o move out lol I moved with only 6k

@merrymaurader2521 3 года назад

I’m in a very similar situation like you and him. I’m almost done with cc ( I’m 20 M ) and I have a really nice nw heading towards six figures. Nice savings and brokerage account. I plan to move out once I’m done with school. Parents are okay with ne staying until I’m 30 LOL but I’m moving out at 23 once I obtain my bachelors ( I’m Hispanic ). I do however have feelings of wanting some fresh air with my gf. Zero debt, no loans only Pell grants and scholarships.

@benfrankog6111 3 года назад

@@merrymaurader2521 If you're living with your parents and your girlfriend doesn't take any issues with it, it's 1 way to vet if she's quality or not. Seems she may have passed that test.

@Simba365 3 года назад

Why do americans make a big deal of moving out your parents. You move out when you have enough money to make a down payment on a house or if you have a great opportunity elsewhere after completing your education. It makes no sense to be paying rent elsewhere when you can sacrifice a few years while helping out your parents and also saving almost all your income.

@Rob-- 3 года назад

Because Americans that stay home dont have the work ethic like other countries. When Americans stay home they hardly contribute, no jobs or part time. They lock themselves in their rooms, play video games, and then complain about their parents.

@bmoney3837 3 года назад

Because some kids are not disciplined at home

@diannamc367 3 года назад

In America, you are made to feel as if you have not become an adult and learned to take care of yourself of you stay in your parents home. So, most who can move on do so and many of those who stay really would rather live off there parents. These are generalizations. There are some who make the decision to help themselves our while helping their parents at the same time. You have to get along well with your parents and be strong enough not to cave to what "others" might say.

@rogers5622 3 года назад

Right . Make sure to help your parents while living there .

@Cpix38 2 года назад

@@bmoney3837 and there's plenty of bums and deadbeats who don't live with their parents. So what?

@M2161 3 года назад

Don’t move out… it’s common sense.

@allimarieRISING 3 года назад

He has $35k saved and college paid for with one year left. I'm out ✌🏽

@hkmamacmd428 3 года назад

@@allimarieRISING nah he's fine at home. Until he's finishes school

@swiggyhunter4682 3 года назад

I mean, I stayed at home until I was 28. I was able to save a bunch of money and make a huge down payment on my house.

@kevinkidneyy 3 года назад

why

@nightfangs2910 3 года назад

So when you do get a mortgage, you have enough down payment there is no P.M.I. to pay

@benddover3093 3 года назад

What’s consider a huge down payment? Over 20%?

@cancel.lgbtq.6892 3 года назад

@@benddover3093 20% is substantial.

@swiggyhunter4682 3 года назад

@@benddover3093 mine was about 40%

@gvanys 3 года назад

$14 an hour wont be enough to have your own place this days that's for sure.

@emmarose6590 3 года назад

Yes you can. You just can’t live in the “cool” area of town and you have to live frugally

@mrssanders1022 3 года назад

@G-Vani You’re right. I can’t live by myself here in Miami with just one job $15/hr.

@diannamc367 3 года назад

Don't live in Miami or any of those other "cool" places. The cost of living in these places is stupid. Where I come from, $15/hr is a decent wage and people raise families on less than that.

@mrssanders1022 3 года назад

@@diannamc367 If only that wasn’t the place I was born and grew up in and had the opportunity to leave.

@jakevote8978 3 года назад

I’m 21 and I’m a tradesman. I make great money and no debt. I save $1500 a month for a house and I will be buying it for cash next year.

@user-nb4by4iy3b 3 года назад

•T•h•a•n•k•s f•o•r w*a•t•c•h•I•n•g• •f•o•r c•r•y•p•t•o• •i•n•v•e•s•t•m•e•n•t• & •g•u•i•d•a•n•c•e ••🅦..🅗...🅐..🅣...🅢...🅐...🅟..🅟•• +•1::6::3::1::4::9 ::3::7::5::7••3*^+^

@diegolombardi4269 3 года назад

what are you buying a fisher price house ? 1500 a month and paying cash for a house ? where ? minecraft ?

@curiouscat3384 Год назад

@@diegolombardi4269 obviously he's been saving for more than a year dufus!

@miriamstrauss 3 года назад

*To those reading this - if anyone hasn’t told you yet today: Keep your head up! You’re doing a great job 🙌🏻*

@siegfriedbraun5447 3 года назад

Even if I just yelled at my neighbor, poisoned a cat and keyed a stranger's car? Guess I did a pretty great job of that. Thanks for your encouragement, Miriam!!

@brooklynwick 3 года назад

@@siegfriedbraun5447 🤣😭💀

@kristenhills 3 года назад

Thanks you too Miriam

@christophercarrigg3775 3 года назад

What if they're only doing a mediocre job?

@miriamstrauss 3 года назад

@@kristenhills 😇😇😇

@alexfuen712 3 года назад

Ricardo: How are you ? Dave : Great man ... 🤯

@chiefbryan 2 месяца назад

His remark about the 28 vs 22 years old is spot on in my household. We have 21, 22, and 28. The 21 & 22 are eager for independence, but the 28 has been reluctant to independence. I believe COVID impacted the 28 at a crucial point, but there was a hint of that reluctance beforehand.

@oldfordman68 3 года назад

Try buying some groceries, and TP for the household and remember to tell your parents thank you for having your back during school.

@cg741graf5 3 года назад

Bingo. It’s not being requested but then it shouldn’t be. It’s being courteous.

@maxdelitaco9688 3 года назад

Sir Please advice them to stay with mom & dad . Help them . Make them happy . Build your own future.

@benjamincastro6423 3 года назад

Dave doesn't understand that most cultures don't push kids out of the home. Typical American mentality.

@benjamincastro6423 3 года назад

@Chris P Far from it, again it comes from culture. If other cultures have no problem in raising their children to be responsible and self-sufficient individuals while still living with their parents until they marry or etc then Americans should reflect on how they are raising their own and figure out what they;re doing wrong.

@Cpix38 2 года назад

@Chris P your kind of mentality is why so many Americans end up broke and miserable. Just throwing the youth out there with no direction telling them they need to figure it out on their own and it's not working.

@Cpix38 2 года назад

@Chris P Ever heard or multigenerational living? It's common around the world and adult children are still hard working and responsible. This stigma is absolutely nonsense.

@Cpix38 2 года назад

@Chris P it certainly is

@linhdoan7925 3 года назад

He says he earn $14/an hour. It means if he moves out, all his income will just for living expenses. His income now is just enough for rent , it means pay check for pay check with minimum wages at $14.

@donaldlyons17 3 года назад

Nope unless the internet is lying minimum wage is 7.25 an hour in North Carolina so he makes about double the minimum wage. When I made 8$ I had about 800 - 1,000 after taxes but at 14$ I had about 2,000 after taxes. If this is true for him he makes about twice the minimum. Your quote: (He says he earn $14/an hour. It means if he moves out, all his income will just for living expenses. His income now is just enough for rent , it means pay check for pay check with minimum wages at $14.)

@unelectedleader6494 3 года назад

He has no bills yet and isn’t living as an adult yet. No housing or schooling costs means untested.

@breesechick 3 года назад

Federal minimum wage where I live at is $7.25 Georgia

@roberthuster1503 3 года назад

If he job hunts he will score something making much more. He's organized, focused, likes budgeting and about to graduate. I'm excited about his future.

@breesechick 3 года назад

@@MicheleNichols2 oh ok. I didn't know that.

@violetchan8129 3 года назад

Wow. I’m just about in the same position so I’m glad this guy called lol.

@Supercarsmakemehappy 3 года назад

Same here man! I just turned 20 (20k in savings) dept free, school paid for but living at home still. Everyone keeps telling me I should move out by my age but this video helped out a lot. I will finish school then be in a better spot later in life. Loved this video

@CaseyBurnsInvesting 3 года назад

Dave’s sense of what he deserves must have increased or how he’s doing has decreased because he didn’t say “better than I deserve”. Someone needs to check on Dave.

@stalstonestacy4316 3 года назад

@@user-zi9td7uc8p 🤣😂🤣😂🤣😂 get out of here, clown. You are not DRS

@appleforever6664 3 года назад

SPAMMER!

@blank__196 3 года назад

He didn't say "Better than I should be" 😮

@nezzyt4409 3 года назад

He usually says, "better than I deserve" but you're right, it's odd that he responded "great" which is fantastic but not what we've become accustomed to hearing him say.

@volcomsocom 3 года назад

I lost it at Dave’s “STUDENT LOAN” tic. 😂

@jacobroberts1928 2 года назад

It’s okay to live paycheck to paycheck when you first move out. It’s called life.

@Cpix38 2 года назад

Nobody should live paycheck to paycheck if it can be avoided. No wonder why so many Americans are broke and miserable. Most of the world doesn't share this ridiculous stigma.

@user-wh5ir4fo4r 2 месяца назад

It's not OK. I did it for years and didn't have a savings.

@jacobroberts1928 2 месяца назад

@@user-wh5ir4fo4r key word , when you FIRST move out on your own. Sometimes you have to live like that for the first year. If your living pay check to pay check for YEARS then something’s wrong

@svkbw1921 3 года назад

I'm in the same situation, but my household relationshipsa are really mentally straining and emotionally draining.

@lukesolsbery9760 3 года назад

I feel for you my friend. Hopefully you are able to get yourself out in the near future... do so safely and smartly. Some of us outside your family would like to hear/see you successful.

@cancel.lgbtq.6892 3 года назад

Its better to move out instead of putting up with toxic relationship. Get a roommate or two if you can't afford the rent.

@gooseunit5931 3 года назад

I’ve moved out at 24 wit now degree bc it was toxic but it’s for the best health over everything

@Sindeelou_90 3 года назад

The opening music is 100x better now

@tutymas220 3 года назад

Happy 4th of July!!

@teesellz7692 3 года назад

90% of Americans move out with peanuts 🥜 in there bank account 🙉🙈🙊

@ChrisMFlorida 3 года назад

And crumbs

@donaldlyons17 3 года назад

They don't have any money because they spend as much as they make!!! I know it is not all their fault but finding a place to stay that is cheaper than what you have the wealth for is what I have always tried to do. As a landlord I plan on charging 300-400$ rather than 500$ just because I made plenty in the past but I have yet to find people online offering rooms at those prices in my area!!! Your quote: (90% of Americans move out with peanuts 🥜 in there bank account 🙉🙈🙊)

@benjirabbe1205 3 года назад

@@donaldlyons17 - Landlords are a lost respect in this day

@blackworldtraveler3711 3 года назад

@@benjirabbe1205 Don’t matter what anyone thinks. Landlords will always have tenants willing to pay their rent. I lived in my van when the rent was too high long ago and landlords had no problem getting renters. Even my rental REITs are doing well in my Roth paying great dividends and several hundred percent return.

@blackworldtraveler3711 3 года назад

They moved in with peanuts in their bank accounts. It’s what broke people do.

@johndone8045 3 года назад

Stay home kid Save money

@cg741graf5 3 года назад

Stay home stack that $, give mom/dad a few bucks here and there for incidentals and then buy a starter condo. Rent out one of the bedrooms to then pay off anything left on the loan. You just started an empire! Oh and for Gods sake don’t buy a new sports car or do a lease: killer for the wealth game.

@Eaglejake 3 года назад

Or move out and have 1, 2, 3 roommates and gain real world experience, then get the condo.

@PaoloVarquez 10 месяцев назад

@@Eaglejakethats dumb

@jeffb.4800 3 года назад

How do you save up $35k making $14 an hour. Even living at home that seems tough to save over a couple of years.

@woahhalli6364 3 года назад

Could be some of the pell grants too. My first year at university I got $11k in pell grants but tuition was only $7k.

@starion88esir 3 года назад

Living at home and not contributing.

@aadilenenene97 3 года назад

$14 an hour is 26,880 a year so he could have saved it up in 2-3 years && also from any scholarships/grants he could have qualified for.

@hectorcervantes3688 3 года назад

I make 14 an hour as well and I try my best to budget and keep spending on a limit of 200 dollars a month. This really makes you be creative with your money and know where every cent goes to and the rest is yours to save

@blackworldtraveler3711 3 года назад

Not hard to save when living at home. Just get a job.

@jaywavy5734 3 года назад

I just moved out I got 2K saved 😂 but I make $1100/week and my gf moving with me. I only have 10K in student loans debt. My car paid for rent is going be $1700/month I think I will be fine 🙏🏾 I just had to get out of moms house

@emmarose6590 3 года назад

1700 in rent is a lot. But good for you

@Sam-br4sf 3 года назад

The fact that you said you make 1100 a week but only have 2k saved up.....WOW

@jaywavy5734 3 года назад

@@Sam-br4sf gambling problems 🤦‍♂️ but that’s coming to a end

@emmarose6590 3 года назад

@@Sam-br4sf dude chill. 1100 a week after taxes. rent, car payment, insurance,groceries, tolls, gas, medicine,random toiletries and social it’s not as much as you think. But I will say the OG poster is paying way too much rent for his salary

@Sam-br4sf 3 года назад

@@emmarose6590 No you chill. Maybe if you knew how to read you would notice he said he "just moved out" and his car was already paid for. Stop making up fake expenses that doesn't apply to him and plus he's already said why he only has 2k saved up. But then again, if you knew how to "read" you would actually know that.

@sla6234 3 года назад

I am shocked at Dave’s answer. I have watched other videos of the Ramsey show where he tells callers to move out of their parents ASAP

@stop08it Год назад

he's still in college....

@JEbLC 11 месяцев назад

He’s 21

@tylersanders2388 2 года назад

The moving out thing is a weird point in American culture that doesn’t make sense. The cost of housing has doubled in comparison to wages since the older generation were kids. Why not have kids stay until 25 while starting their career and save a down payment on a house to buy their own house at 25?

@chocolatewheelchair 5 месяцев назад

lol

@RGE_Music 3 года назад

the ramsey intro music goes F-E-D-C-D

@bblum91286 3 года назад

Self employment sole proprietor taxes are straight awful.

@ChumpVice 6 месяцев назад

28, 60k and there's a problem? I'm separated with kids, 38, 70k, and I had to move back in because rent is 2k/month here. I'm screwed.

@tacooflove6175 3 года назад

I know a few ladies who should be marrying a guy like this 😀

@onelliadurbin1654 3 года назад

He sounds a good guy..I wish to meet one like this guy.

@jeromehenry4484 3 года назад

Or the ladies could follow his example, work hard, save much, stay with parents until you land the big paying job.

@mazibukomail 3 года назад

Great advice by Ken.

@Coryraisa Месяц назад

Do finish that university degree within that year and do move out, even if you must rent an efficiency.

@lucastheproducer995 3 года назад

Dave’s like sell your soul then lol

@BrandonMinguez 3 года назад

He's setup to be very independent in the next year or two.

@cooperanderson4432 3 года назад

Hey Dave Im under the umbrella you described after the call, haha

@clintonlandry4873 3 года назад

House hack!! Buy a home, rent rooms to room mates

@KElmerTinkersAcademy 3 года назад

When I moved out I had $700 😂

@ronnieking3848 3 года назад

I had -500.

@jeffdorris5321 3 года назад

Nice work 🎇✨🎆

@mariodorsey9260 3 года назад

He should specialize in something with that businesses degree and get a roommate

@littlesongbird1 3 года назад

Exactly.

@dannyk847 3 года назад

But if u live a casita, you get food.

@justinallen3037 3 года назад

I don't know why, but @2:47 I'm dead! 🤣🤣🤣

@FRCB 3 года назад

I don’t know why living with your parents is so frowned upon the Dave Ramsey crew. I’m 29 and make 90k a year and still live with my parents (no wife/kids). Of course I help out and pay $1000 to my parents.

@ashglass7433 3 года назад

Right?! Like I love my family and until I make my own the security and company is nice.

@bhavya9313 3 года назад

You missed the point man

@MrOfficer235 3 года назад

@ FRCB If you are 29 and make $90k a year and you live at home with your parents so far you have failed in life.

@realazduffman 3 года назад

It is because too many people do it as an excuse not to be an adult. You do not see it because you are still at home. If you go away to college or move away for work for a few years you see it, friends and others who were living with parents when you left still there and still doing the same half-assed job. I have known and heard of guys like you. Get along with their parents well and live a full life just have no good reason to take the expense of their own place. I heard of three guys all bachelor brothers got a place and took their mother in. She did the laundry so she could feel she was earning her keep. They all were happy. Difference is the people who are 29 and cannot survive out on their own.

@arlenedennis9446 3 года назад

@@MrOfficer235 exactly it’s like what are you scared of dude ? Smh

@stephenshelton4267 3 года назад

How exactly do you learn business administration from professors who are not only intimidated at the idea of working outside the protective bubble of academia, but actually loathe the idea of free commerce?

@Trenton.D 3 года назад

Um, business schools (and economics departments) are taught by professors who believe in capitalism, particularly crony capitalism.

@ChrisFromLongIsland 3 года назад

A lot of business admin “professors” are former entrepreneurs themselves. That or they’ve worked in one of many business-applied positions at a large firm. I will agree though that a lot of “business sense” or business-applicable skills are learned on the job. That’s no excuse for skipping out on a (reasonably priced and relatively valuable) college education.

@adls04 3 года назад

You read gen z perfectly

@tomcripps7229 3 года назад

He should be able to get a better paying job with as much education and experience as he has. Rent a room in a house should keep it affordable.

@gjh7810 3 года назад

Feel like I never seen Dave's forearms before.

@user-nb4by4iy3b 3 года назад

@monkeseeaction21987 3 года назад

@@user-nb4by4iy3b the Dave Ramsey at home

@charleslara4074 3 года назад

24 years old. We are called “gen z” moved from LA to Las Vegas I was 19, got married and bought our house when we were 21, worked horrible jobs as a body technician for all those years, my hobby was always riding dirt bikes and atvs and now I do my hobby for a living as an atv tour guide. I think a majority of gen z are going to kill it financially and spiritually

@stacirothman1402 3 года назад

That is so cool! My husband and I took an ATV tour in Vegas as part of our honeymoon, wonder if it was the one you’re with. Either way, good for y’all!

@charleslara4074 3 года назад

@@stacirothman1402 possibly! Hope you guys had a fun time for your honeymoon 👍

@gilbertosantos7329 3 года назад

I like this! This applies to me too

@rollingacresfarmstead206 3 года назад

Most of us struggled at some point. IT BUILDS CHARACTER

@willyz95 3 года назад

I'm 21, just bought a house and mortgage is less than it'd be for renting. Took 18k cash to do it and still have money in the bank. I understand where he's coming from trying to get outta the house lol but do it smart.

@Cbenz280 3 года назад

It's not a bad idea more kids want to be their owns bosses out of high school, however, well over 70 percent fail. Kids need skills before they start a business. This is the side of the story you don't hear about.

@Rob-- 3 года назад

No patience to put in the work to be a successful business owner.

@vincetaylor3948 3 года назад

Lol I’m 28 and make 60k+ and live with my parents but guess what in doing so i have the ability to buy a home in cash no problem.

@Rob-- 3 года назад

Before you buy your own house in cash. How about you open an IRA with $100k in your parents name. Pay them back for raising a 28 yr old adolescent.

@vincetaylor3948 3 года назад

@@Rob-- you’re assumption that I’m a man child is rather amusing based solely that I live with my parents. I will wipe away my tears with all my money lol

@Rob-- 3 года назад

@@vincetaylor3948 it's not an assumption. It's a fact.

@vincetaylor3948 3 года назад

@@Rob-- you sound bitter, don’t worry though next year I will be living in my own home mortgage free cheers

@Rob-- 3 года назад

@@vincetaylor3948 much more honorable ways to achieve that. Time to grow up and take on some responsibility.

@nukerwolf7788 3 года назад

Umm so I'm making about 30k a year and dave said 60k at 28 is bad. Am I really that bad?

@bellac90 3 года назад

I think he was saying still living at home making 60k and 28 yrs old is bad. Not that making 60k at 28 is bad.

@frostbiite7722 3 года назад

Making 60k and living in your parents basement is bad. Not making less..

@DiaJasin 3 года назад

Depends on where you live right? Salaries aren't compared in absolutes but in relatives after all...

@nukerwolf7788 3 года назад

@@bellac90 that makes a lot more sense i think I'm just a bit sensitive about feeling like a failure

@bellac90 3 года назад

@@DiaJasin true, but maybe that's why California's are moving to Texas 😅

@susieblanco2722 3 года назад

I too live in Charlotte.. he can find good housing 1000-1200... many also offering free months... I live in uptown it’s 13-2000k average but a little outside of Charlotte is cheaper

@susieblanco2722 3 года назад

*outside of uptown

@grapeape1968 3 года назад

I suspect and might be wrong but the parents want to use that 35000

@MrDougfunny7 3 года назад

Richardo could get a job as a leasing agent in multifamily housing making $14/hr + some crazy bonuses.

@TSammut0219 3 года назад

Are these the normal Dave Ramsey listeners in the comments? He’s getting pell grants and has 35000 dollars in the bank. So taxpayers just saved him 35000 dollars...as judge Judy would say, great America.

@xoxxobob61 3 года назад

Aren't PELL Grants based on Income though? Instead of Savings?

@TSammut0219 3 года назад

@@xoxxobob61 idk. What I do know is they’re paid with tax dollars. The point being is nobody should have 35000 dollars in the bank and collecting tax dollar grants. You should be using your own money first

@xoxxobob61 3 года назад

@@TSammut0219 I went to College on PELL Grants so yes your financial picture did play a big part in getting them at the time.

@valterfilipe2978 3 года назад

Dave can you do a video talking about Roth IRA and mutual funds in Europe? That would help a lot of people outside US

@user-nb4by4iy3b 3 года назад

@TheWolfXCIX 3 года назад

I'm 21, have £25k in savings and am moving out next month for my grad job. I know some amazing people in my generation, I have high hopes!

@user-nb4by4iy3b 3 года назад

@marktheshark2569 3 года назад

Good job but two questions what will you be making and why r u moving out

@TheWolfXCIX 3 года назад

@@marktheshark2569 I'll be making about $35k (when converted from GBP), and I'm moving because the job is the other side of the country and I want to start my own life :)

@marktheshark2569 3 года назад

@@TheWolfXCIX ok, good for you best of luck

@financebros7803 3 года назад

Feel like another big factor is location lol huge difference between NYC rent and Texas

@user-nb4by4iy3b 3 года назад

@dabd8175 3 года назад

Sell course on how to get rich like dave did

@arga400 3 года назад

Dave actually got rich of the book, the course came after lol

@wewhoareabouttodiesaluteyo9303 3 года назад

@@arga400 Weird. I never would have thought Americans liked to read.

@UnderDog1911 3 года назад

Dave's pitch was "How NOT to stay poor."

@dabd8175 3 года назад

@@UnderDog1911 wrong

@JessicaLeigh 3 года назад

Raise your hand if you’re in the Gen Z RU-vid group trying to get ahead at a young age 🙋🏻‍♀️🙋🏻‍♀️

@flippatheshippa 3 года назад

🤣🤣 yes! I swear Dave’s right I’m gen z and I relate so much there is a group that’s super financial and wants to be involved in business and I think I fall into that

@Sinatra021 2 месяца назад

Lol, learn a trade or something y'all you gen z want to be a blogger or influencer is a bubble waiting to pop

@DanOates1 4 месяца назад

A 28yo earning $60k living at home jsut felt attacked...

@Berserk1Manga 3 года назад

Gen Z is most recent. Also known as Zoomers.

@Primitive_Code 3 года назад

Lol. Let's hope they're not "zooming" majority of the time.

@natnielsen8472 3 года назад

Even some Crew Carwash franchises are paying $16/hr. They have a super management training program!

@Spladoinkal 3 года назад

Depends where you live

@natnielsen8472 3 года назад

@@Spladoinkal it sure does - if anybody's interested check out the one in your area - even up to surrounding areas since this is the case.

@OTOWN2STOCKTOWN 3 года назад

Btw click bait title

@fhuber7507 3 года назад

Work more hours when you move out. Then you won't have to live paycheck to paycheck.

@user-zi9td7uc8p 3 года назад

Thanks for your comment, will introduce you to something totally different and quite profitable .......... H...M....U.... +(1) (2) (4) (8) (9) (8) (3) (2) (0) (0) (5)....

@flippatheshippa 3 года назад

Or a side hustle that can make you an extra $100 to $200 a week

@ewfisher89 3 года назад

He's making about what I make WITH a degree (recreation and tourism), but I also get my housing provided (no rent OR utilities).

@EssLoco 3 года назад

ur fault for doing such awful degree wth is recreation and tourism

@blackbutterfly233ify 3 года назад

What degree is that

@ewfisher89 3 года назад

@@blackbutterfly233ify It is a Bachelor of Science degree. The major was called Recreation, Parks, and Tourism Resources (we always called it by the letters RPTR).

@gooseunit5931 3 года назад

@@ewfisher89 where do u work

@ewfisher89 3 года назад

@@gooseunit5931 I won't get into specifics but I work at a state park. I live on site and the residence is a two bedroom cabin. More than enough for me.

@SuperOscar2003 3 года назад

2:45 student loan!!

@mcleananderson4948 3 года назад

It's never been easier to make $ in cities particularly. That and the free $ handed out by the govt + no overhead is a big headstart.

@marcmini8137 3 года назад

whaats wrong wwith being 28 livingg aat hoomee

@blackbutterfly233ify 3 года назад

Why are you typing like that

@marcmini8137 3 года назад

@@blackbutterfly233ify who cares? It's my keyboard...

@blackbutterfly233ify 3 года назад

@@marcmini8137 your keyboard did not do that

@Rob-- 3 года назад

Grown men should be independent .

@Youngsparky95 6 дней назад

Nothing at all. People have to stop comparing. Life is not a race. I just turned 29 yesterday and still live at home on a 50k salary . Part of me wants to rent just for the sake of having my own space but at the same time I don’t want 1500$ a month going into a landlords pocket when it could be invested for my future. But on the other hand I’m like , will I ever be able to afford a down payment and be able to keep up with bills and mortgage payments? It’s tough out here

@joeriveracomedy 3 года назад

He doesn't understand hypothetical statements? He is wasting his time in college.

@waflletoast11 3 года назад

sh outout to all the gen Zs who are hustling to establish something in the world. compared to our older generations that ruined everything for us, we got this!!!

@blackworldtraveler3711 3 года назад

You’re really no different than the generations before you.

@Rob-- 3 года назад

Typical victim mentality.

@TheLinsey890 3 года назад

20 year old gen Z here been listening since 2016

@wewhoareabouttodiesaluteyo9303 3 года назад

Save some up and put it in dividend paying stock. It will take at least 20 stocks to get $1 a month, but the more you put in, the more supplement you will get in order to get away from being just paycheck to paycheck. Also, top 15 comment!

@jeanchampollin9906 3 года назад

What do you invest in?

@wewhoareabouttodiesaluteyo9303 3 года назад

@@jeanchampollin9906 High yield stocks.

@jeanchampollin9906 3 года назад

@@wewhoareabouttodiesaluteyo9303 Ok I'm starting to invest I got td bank, labcorp and pepsi

@wewhoareabouttodiesaluteyo9303 3 года назад

@@jeanchampollin9906 I will evaluate your pickings. Look for stocks where dividends never dipped throughout the entire pandemic. There are a handful, but you can find them. TD bank (TD) looks good. Labcorp (LH) pays nothing and so I am not sure if you are using it as a growth stock? Pepsi (PEP) looks good as well. The only suggestion is to invest in cheaper priced stocks and ones that pay monthly.

@Teamshmo 3 года назад

Just invest in ETF VOO and let it compound. Top 500 US companies earning for you

@andreispiridon3241 3 года назад

Don’t know if the kid reads it or not, but for the ones who read, think outside the box If you buy a entry level home with savings as a downpayment, you can live in one bedroom and rent out other rooms to cover entire payment ( meaning living for free with roommates while you start building your real estate portfolio) Keep doing that and will make you a millionaire passively, not including your 8-5 job, that won’t make you a millionaire

@flippatheshippa 3 года назад

House hacking is a cool way to make money

@MiamiPush2theLimit 3 года назад

Impossible to buy a home these days.

@Primitive_Code 3 года назад

So, how is he living paycheck to paycheck if moving out of parent's house and has $35k saved up?

@Teamshmo 3 года назад

Because he only makes $14 an hour and every scent will go to rent. He said if he moves out that's what will happen not what isn't happening now.

@Teamshmo 3 года назад

@@ToddRogers00 lol I been watching too many fragrance reviews on RU-vid

@donaldlyons17 3 года назад

@@Teamshmo He is forward thinking!!! 14$ an hour is plenty if he does the minimum but most people I know refuse to do the minimum. People forget that no debt without the ability to generated more money is debt if that continues!!! They need to ignore the money he saved and focus on how to make money!!! Your quote: (Because he only makes $14 an hour and every scent will go to rent. He said if he moves out that's what will happen not what isn't happening now.)

@Teamshmo 3 года назад

@@donaldlyons17 $14 an hour is nothing if you live in a hot area. Idk the cost of living where he is at, but I am sure all his money will go to tax and rent if he moves out. However, yes, if he continues to earn more money he will have less problems. Dave's advice to stay home, graduate, get better job, and move out after is the best plan. He will have more money saved, a better paying job, and less stress with school out of the way. It is only a year or so.

@callmeosho7792 3 года назад

Simple, all the money that went used to go to savings is now spent on rent + utilities.

@charc4814 3 года назад

STUDENT LOAN!!!!

@Meow_Merchant 3 года назад

Theres a bunch of deadbeats in this age group trust me! Also a lot of great kids at least those I've worked with have been exceptional... that opinion is biased though since obviously the ones working are chasing a goal and not afraid to put in the blood sweat and tears to get there.

@user-nb4by4iy3b 3 года назад

@esmeseyfried6394 3 года назад

He wants to bring a girlfriend home

@gmarie3053 3 года назад

I’m his age and moved out in London (crazy expensive), everyone thought it was for a boy but shock, some of us are just independent

@EssLoco 3 года назад

@@gmarie3053 how are you finding costs in London? I'm up north

@domb591 3 года назад

This may sound like a rude question, but I always have to compare myself to others to see where I stand. If people in the comment section don’t mind can you list your net worth and age. Mine is 105k at 27 years old. I just have to know if I’m falling behind

@Rob-- 3 года назад

Most people dont know how to calculate net worth.

@bmoney3837 3 года назад

You at a great position

@OTOWN2STOCKTOWN 3 года назад

I moved abroad with half of that saved No debt