How Do I Pay Off Debt When I Can't Afford The Minimum Payments?
VloĆŸit
- Äas pĆidĂĄn 8. 08. 2018
- đ” Create Your Free Budget! Sign up for EveryDollar âź ter.li/6h2c45
đ±Download the Ramsey Network App âź ter.li/ajeshj
đ Visit The Ramsey Store âź ter.li/7vyom2
đ Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
đïž The Ramsey Show âź ter.li/ng9950
đž Smart Money Happy Hour âź ter.li/9gcp3d
đ§ The Dr. John Delony Show âź ter.li/2u3mc0
đ° George Kamel âź ter.li/1elws8
đĄ The Rachel Cruze Show âź ter.li/n2u6jc
đŒ The Ken Coleman Show - Highlights âź ter.li/1rbjr2
đ EntreLeadership âź ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolutions.com/compa...
California is a beautiful state with a lot of fun things to do. But if you have to work 3 full time jobs to live there, then that defeats the whole point of moving there.
Youâre absolutely right. California is great for people making $200K, but the state is really only good for vacations, not long term. Last year, I was living with three roommates and in order to afford my third of the rent, I was working three jobs and had to ask my parents to cover the other half. I eventually had to move back in with my parents and I still canât afford rent even though I live in a much cheaper area.
She lives in SB which is the armpit of the Inland Empire. This person needs to get on a budget pronto!
Move to Texas
True
Glenn Smith too humid
She said she makes 50k before taxes which means her partner only makes 25k... and they pay 1k in day care per month. the partner needs to quit their day job and stay home with the baby during the day then deliver pizzas or drive uber at night when she's home from work.
I thought she said $70,000 so that means dude makes $20... before taxes. He needs to step up his money making game.
pretty much what I was thinking.
He could just stay home with the kid. Thats $12k of his $20K.
If door dash and uber didnt cover the cost of gas why do people do it at all? It is a voluntary transaction to drive for these services. You are spreading lies. Stop it.
i feel like your comment is the best advice from this video. lol
I've paid $19k in 10 months (90k household income) since I started to listen to you.
Awesome. I started 2018 with $11,000. cc. Now sept 1. Itâs $5000.
Wow with 90k you shouldn't be in debt in the first place lol. Good job though
Good for you. You're rich though, so your plan isn't really practical at all.
@@kelleykalomiris1256 90,000 isnt rich. That's considered middle class. I've even heard Dave talk about 80,000 not being rich enough to afford a $40,000 car.
I'm 500,000 in debt after watching this show
Ive been Binge watching Dave Ramsey for two weeks now.. his info is pure Gold
Same over here đŹ
Joe joe Same, Iâm 17 applying to colleges rn and Iâm really glad I stumbled across his channel. I was thinking of going to a pretty pricy art school to study animation, but after seeing these vids Iâm not so sure. They didnât scare me away from my dream job, just taught me how to not be too stupid following it
Soon youll be able to graduate from Dave and start following people who teach you to leverage debt responsibly.
Jimmy Bob pls recommend, any name is helpful
@@obilim2155 "Meet Kevin" and the best source is "Bigger Pockets". All real estate stuff. Full disclosure I'm still working on paying down consumer debt.
Its funny what some people think sacrifice is, some people think sacrifice is not getting an extra appetizer or dessert at the restaurant every few days when they go out to eat and others know sacrifice means not eating anything on fridays, lol...
As a very long time viewer of your videos, I never thought i'd see you in the comments of dave ramsey. This chick is weird though - 70k income and only bringing home 40? There is something she isn't saying. She has some funky deductions going on. What is minimum payments on 20k of debt? It has to only be a couple hundred bucks. That is nothing
Food is the number 1 priority. You should know that big boy.
Ahh big boy, you must be the collect kid in the 5th grade...Im kind of shocked someone so simply would be interested in a financial advice channel....Hopefully you and your calculator can keep up with the conversations :)
vinny thehourshower an adult does not need to eat everyday.
Youâd be surprising how easily it is to do.
Whatâs even funnier is what some people think a âneedâ and an âemergency â is.
Already saw the title about debt and just have to say please just please guys if you can't afford something with your own money don't go broke borrowing someone else's money (Aka the Banks)
Act your wage.
That's a brilliant concept
Love it
That is major truth. That's a good word! Gotta stay humble.
Truth Exposer đŻ
đ
Dave solution to everything beans and rice. What if i want Ramen noodles
Mrdirtyuncle01 hilarious!
LOL
Mrdirtyuncle01 best comment I've read today. đ
Oatmeal and raisins
lol Dried beans are 10 cents a serving and contain fiber, protein minerals. Rice is 7 cents a serving. It's usually fortified with minerals. Manchuran Ramen is 20 cents a bag and is basically dried fried flour in string form. Plus beans fill you up for longer than ramen.
I know it was a joke, but seriously beans and rice are the better way to go.
I work dayshift & my husband works nightshift so we dont have to pay for childcare.....saves us close to $300 a week for both our kids
Thatâs smart
If you guys are still doing this, how is that working out?
This kind of schedule can put a strain on the marriage.
@@dinimakhmudov1674 it works for usâŠwe do have some days off together
Thatâs what my parents did when I was young one stay home as the other worked then got off took care me an other went to work
Two options
1. Living below your means
2. Making more money
you forgot option 3 the fastest option of all - live below your means and make more money :D
option 4. get on a pole and make that money honey!
Agreed
Make more money? Is it really that simple for average joe ? Makes me laugh.
Living below means? Or not living? She has medical bills. Clearly, someone got sick!
I don't understand how their not making their bills. We make the same with money with 5 kids and more debt. She has to be spending and not watching
shes in california
Maybe she has a higher interest rate
Tabitha Marsh where do you live?
Paula Aquino San Bernardino doesn't have the same cost as places like LA and San Francisco. Not all of CA is super expensive
JacobslifeinVegas inflation is going up everywhere. Even living here in Georgia isn't cheap but California has the same state tax no matter what part you live in. It may not be silicone valley but cost of living is still higher than other parts of the Nation
Only in California can you make a dual household income of $75,000 and be behind in your bills. Other callers are calling in with less than that and are becoming millionaires (over time of course).
San Bernardino is not the same cost as LA or San Francisco. Not all of CA is expensive
California NY NJ also
75k two ppl is bad
I live in California & make $7k a year. About 145/weekly.
Quagmire Doing what? Sleeping with women? Quagmire you perv!
Iâm impressed with her recall ability of the figures. Often people donât have a clue đ”đ»ââïž
Caller- I pay $1,000 month daycare
Dave- I donât care. You should still be able to do this.
Sorry, what? $1,400 rent and 1,000 daycare tells you right there where all their money is going.
Dave doesnât even know how much daycare costs
"Not gonna see the inside of a restaurant unless you're working there" đ
She makes $50k and he makes $25k???? He needs a better job or she's leaving out pertinent information...
Maybe he cleans toilets for a living.
Right ! I suggest moving to cheaper state . Itâs amazing how she making it on $40k in CA
Lol
Traci Jehan Watley
This is the reality though.
Not everyone can find jobs that pay higher than min wage.
Without some sort of degree
Yeah it didnât make sense at all
âYou still got him, right? đđđđ
These people clearly spend more then they make and neglect the debt
Dave : You still have your son, right ? Lol
Lisa Muryn what's with his son?
Teresa Zinzi It has nothing to do with his son. It's Her son. Did you saw the : after Dave?
Teresa Zinzi it's what Dave said to the caller
Conservative Prosecutor or lost custody some how...when he asked her that question I was just like gees. They seem to be spending a lot on their son, things around the house, their lifestyle or something. They really need to leave California. I pay 1.3k in rent a month and 1.6 k with everything. I only make like 34k a year, I'm stuggling with my debt and I have more than her. However I am usually able to make minimum payments.
Conservative Prosecutor I understand that, relax. Instead of making a joke out of situations that are actually happening, I said that she could have lost custody giving a real life example since the woman worded as if she didn't have her son anymore and Dave asked her the question, but thanksđ
She needs a budget badly.
Here is a tip I've had great success with:
Every year go through a few months of bank / credit card statements and look at what you're paying for things. Insurance, rent, cable TV and so on.
Now check and see if you're still paying a fair price. Ask your friends what they pay for these things, and shop around a bit. I managed to save on cell phone, car insurance, and cable tv. That's hundreds of dollars a year.
Great idea also go through the statements and see what you can cut back on. What are luxurys and what are needs. When my husband asked me to help him with his he was shocked to find he was spending about $10-15 each week on snacks from where he worked.
That $1,000 a month daycare killed the budget.
Ralinebe 233 yeah it's true, but to stay home and not work would cost 25k.
Yeah, and I don't care Dave says.
If she shops around she should be able to cut that bill in half
poodlegirl55 because itâs just an excuse
@@poodlegirl55 he don't care
You wonât see a restaurant unless youâre working there đ
John F i know I was cracking up! And dude said beans and rice budget đ€Ł no wonder my dad cooked that all the time!
Love that line.
restaurants are definitely for people who have too much money. then they say they are poor an need money after spending $50 a day on food đ€Łđ€Łđ€Łđ€Ł
If they're paying $1k in child care and her husband is only making $20k (she said gross was 70 & she made 50 - I can't believe Dave let that slide), he should work part time while she's home and they should ditch his job because he's working for free.
He should get rid of that job and get a better paying one.
Dave does not mean actually to always eat beans and rice. He has stated to eat at home, buy groceries from the grocery store. Buy the food you can afford as part of your budget.
You CUT something else from your budget.
.
You do not need cable TV. CUT THE CABLE
.
Find EVERY "optional" bill and cut that from your budget.
This might mean CUTTING your cell plan and moving to a WalMart or TrackFone plan for less than $30 a month.
.
I've used the "buy a card at Wally World" phone plan for over 15 years. The current WalMart "Friends & Family" plan is $29.95 a month and there is no option to charge anything to the phone. No added taxes, no added fees and it gives OK (not great) internet access. Its enough to watch CZcams videos like this one.
.
FIX YOUR BUDGET!
âNeither one of you work full time?â LOL
Beans, rice, vegetables and fruit. This is the only way I'm okay with the cheap meal plan. I have to have my fruits and vegetables to feel more energetic and motivated to work more hours.
Yup, just have to grab the affordable ones. Bag of apples, lettuce, cuke, tomato, a few bags of frozen.
And have a "splurge" night once a week with meat. The splurge night is a good way to keep friends. It's hard to keep friends when you don't go out to eat or don't go out drinking. But inviting people over for dinner a couple of times a month lets you stay in touch without overspending. It shows them that you care, even though you can't (won't) spend $40 to go out to eat with them.
VEGGIES here in DFW are HIGH... only the food that is not good for you is CHEAP
@@scorpion777silvermoon3 Frozen veggies at dollar tree (check expiration dates) can be an option or at any grocery store. Sometimes theyâre cheaper than fresh and can be better
Ur vegan
Get rid of cable
get rid of netflix
Cable aint the problem.
Mr B ....I have to agree! Cable is so overpriced....just stealing from the average family!
ineedhoez .......I agree to a point...but hope you agree that cable is definitely so overpriced. Cable companies are gouging the average family.
70 k is low income in California she's poor
chadwick hayes Not in San Bernardino
JacobslifeinVegas yes it is
What? $70,000 is low income? That is outrageous! There's no way I'd live in CA if $70,000 isn't enough income. $70,000 is super high income in Western PA!
Pretty much , to make it in San Diego youâre suppose to make at least 100k other wise youâre considered low income
With $70,000/yr, you can live like royalty in KY
The log jam was an awesome analogy in his book.
She need to move out of California...
pimpballer3 exactly lol
So glad i cancelled my phone insurance. I never used it except twice in 10 years. Waist! 15x3=$ 45 monthly saved. $ 540 a waist a year!
Waste*
@@chiaraippoliti đđđđđ
god, i would dread becoming sick in a country where medical care is a luxury for the rich....HORRIFYING!! but on a positive note, after listening to this channel for a bit, i got tough with self and liquidated approx 600.00 bucks worth of stuff i had lying around collecting dust in my house. lots more to go but what a freeing feeling knowing i could lose my attachments to pointless stuff!! my debt is so low now that my tax refund will eliminate that and will be smooth sailing!! plus, i can reduce my work schedule so i can enjoy what is most important and that is taking care of my mind, body and soul in this crazy world! thanks Dave!!!!!
What country is that?
She didnât get sick, she had a baby. Learn to figure these things out.
@@wlonsdale1 The one with 40% plus tax rate.
I needed this conversation. I need to catch up on my min. payments.
Wow thanks brother this ideas advices are so great amazing for this situations. God bless you âđđŸđđŸđđżđ€
Dave doesn't understand that a fast food worker making $14,000 per year will simply not be able to make payments. As for thos lady... someone who gets cancer or a disease is not at fault here. These insurance companies are criminal.
âOh btw we spend $1k a month on daycareâ ... đ§đź
Children are a waste of money
@@TykoBrian7 not if one parent stays home
Kufre Akpan ???
@@TykoBrian7 kids are expensive. Not a waste geeze loser...đ
@@NoName-sp5dp Then they waste their income availability, and dwindle options in the workforce for when they return due to lack of recent experience.
Regarding the 401k contribution, she should look at running the scenario of making a small 2-4% contribution. Sometimes you get a higher take home even with a small contribution. And if your company does a match, itâs even a sweeter deal.
i post same posts before here and I said (debt consolidation )but i made a mistake i meant a settlement agency . that is a big difference
I live in Vancouver, Canada and I gross 105k but take home roughly 65k. Must be nice to live in some of these states with low taxes, Dave always seems shocked about the gross vs net from some callers.
Move to Alberta! The $105k goes a lot further than in BC.
I donât know why he ask about gross. I only care an use take home pay cause thatâs the money I get lol
4:50 legend. Reminds me of my Dad
I haven't watched yet but I'm assuming make more money is the answer
I know right?
Nicole Barnes I work 2 jobs
Fire Blade890 cool
Nicole Barnes Seems to be the answer to a lot of lifeâs questions.
No, learn to manage your money is the answer.
She clearly spends far too much every month. Theres no way she can't pay that small amount of debt down.
Ever met a female? They spend like $30 a meal at a restaurant and then they complain about that has they have no money n there poor. it's like only rich people can afford $30 meal
This lady needs to live below her means... Get a cheaper apartment, quit the Starbucks, eat at home and a 2nd job.
Cheaper apt in california ?
Its Cali. Her man needs to stay home
LuigiFan1305 I hate to say it, 1400 a month is extremely low where she lives. We live in the next town to hers and our rent in 1550 for a 1/1 apartment. And thatâs the cheapest one in our city
I think Dave was more on saying she needs to look out the money they are having withheld from their checks. To make $70k and only see $40k of it is ridiculous. Divides out to $3333 a month ... $1400 apt (cheap in Cali), $1k childcare, $400 for medical insurance ... they only have $533 left for food, gas, and debts.
perfect example of...its not what you make...its what you spend....
Wow, that kind of debt is just easy to solve regarding how much you make. It don't matter if you have a child. That income tax can solve to pay half of your debt. 12k is a student's credit card debt. Dave is right, you have all the chances to pay that debt in about a year.
Sounds like the state taxes in Cali are ridiculous. $70K income and $30K coming out in federal/state taxes?!?
Yeah. I figure after taxes and health insurance and lots of other line items..... plus my charitable giving, my take home pay is half of my income. My aunt always told me, plan on living on half of your income. With taxes that is true.
First thing she needed to do was to watch some previous episodes, the debt snowball technique has been brought up several timesđ€Šđ»ââïžđ€Šđ»ââïžđ€Šđ»ââïž
Second of all, $40k a year living in California is waaaay too low especially at San Bernardino
As they said in the video, sheâs not even ready for the baby steps. She is still pre-baby steps.
We make about $70K a year (less than her) and we have about $35K in debt (way more than her) and weâll have it paid off in 2 years.
Oh, and my wife is a full time caregiver for my Mom who has Alzheimers.
If we can do it, they can do it too.
Just downloaded the app!
Leave California if you can!
When Dave tells you to eat rice and beans, then you know you're in serious debt
then daves family goes an genocides some *MORE* people an steals their land an resources so he can eat caviar.
Even just with minimum payments if you can hold it together long enough everything gets paid off. There has to be something burning money here, probably too high standard of living they "deserve".
Thats it....going out when you should be staying at home....eating out when you should be cooking at home....those 2 right there will put the simplest person in debt big time.
They need a budget badly. They must be spending too much without realizing it.
I've talked to plenty of people who think Starbucks, unlimited cell phone plans, and leased cars are normal. They don't know why they don't have any money even though they earn a good salary. When they get some money, they go out and buy a newer car.
It's not wise to base your spending on what you "should" be able to afford, or what the neighbors can afford. Instead, do the math.
(Starbucks every day is fine if you can afford it, and you're choosing to spend that amount of money each month.)
Please do help me. What plan would you recommend for me to switch to? A reliable service
She needs to get out of CA while she's at it.
The good thing is i love rice n beans.
Yeah it makes sense why she can't pay the bills, after daycare and house payment they only have 900 a month left. Still have to buy food, gas, utilities, car insurance. I'm unsure why that much is going out but they need to figure it out
I had zero debtâŠ. Then I got married and had kids and life happened. I agree with Dave, I love Dave. I also understand life is unpredictable. I planned to pay an extra $12k toward debt last year and every penny of that went to fixing things that broke. Donât feel bad if it takes longer than you think. Keep going! You can doooo itâŠ
You have to get rid of the $1000 a month child care expense. Then you will be able to pay your bills and your debt. You and your husband can do different shifts or find a family member to watch your son. Good luck!
Truly amazing how some people arenât even sure where their money goes or what and how much are taken out of their salary?? I mean really, I know exactly how much I make every month and where every dollar in my salary goes!
Do Dave's callers know when he has muted them?
puppetmassster Iâm gonna go ahead and say no.
4:00 Dave trying to figure out whatâs missing. 4:49 we pay $1000 a month for daycare. Why not have all your numbers ready when you call.
Student loans, spouses, and kids are the super highway to debt...đ€
Spouses and kids don't add debt. Kids are expensive, but it only adds debt if you borrow money. And spouses make things cheaper. It costs the same for two people to live in a house as it does for one person to live in a house. But you get added income. Or, at the very least, free childcare.
â@@---cr8nwI think he means your spouse CAN BE a highway to debt. Plenty of spouses aren't ideal partners and spend horribly. After you sign a marriage contract, you potentially have an idiot that can put debt on your plate. Kids just make shit harder. Congrats, little Billy comes with $150,000 in medical debt. đ
@jaquandrejones , my son's healthcare has cost way more than that. Still cheaper to have two incomes and more expenses.
Sometimes a person themselves can be their worst enemy. I think you have to be on the same page and sit down and work together at it and if you have kids yoh have to involve the whole family but still make it fun. It really makes your relationship stronger if you can talk about money, make a budget and plan together. đ
-deliver pizza
-night time custodian
-Uber/ Lyft
-DoorDash / grubhub
-sell random shhh on eBay
With (the ridiculous) California taxes taken out along with Federal, Social Security, Medicare and of course Obamacare, their take home income of 40k is pretty accurate on a 75k income. I lived in CA for 12 years.
How do you know they are on obamacare?
Is that why people talk about flight from California to Texas?
Obamacare isnât an additional taxâŠ. I see why you watch Dave Ramsey, he makes it easy for you to understand huh?
@@burkles4456 My Obamacare fee was $700 per month in CA. Now please explain to me how that WASN'T a tax!
Why does he ask for the gross , most important is ur take home pay
3333 a month...
1400 rent 1000 child care 400 for insurance 80 insurance 180 loan
273 a month for food, electricity, gas, transportation and creidt/medical debt dam
The 400,180,80 shouldn't matter that is taken out beforehand, she said she makes 50k gross and they make 70k combined sounds like the husband needs to find a better job.
@@rodriguez9489 No, she said the $400 was something she was paying. The husband's came out of his check.
@@rodriguez9489, even so, 933 per month would be tight for food, electricity, gas, transportation, and debt servicing. Especially if they have car notes. Undoubtedly, they do.
why would you pay off the little debt instead of highest interest? seems like a waste of money for extra motivation.
love how she just so casually mentions the $1000 per month for daycare
About as low as you'll get in Cali, I suspect.
She didn't just "casually" mention it. She pointed it out because clearly Dave missed that kids are expensive. I have one kid in daycare. It's our highest bill. Higher than our mortgage, higher than our health insurance. I can't wait until he's in public school. And I'm thankful that our kids are far enough apart in age that we didn't have to pay for both to be in daycare at the same time.
Every time I hear someone say they have debt to a medical bill, my stomach turns. I don't understand how more Americans aren't in favour of a single-payer healthcare system.
Why should healthcare expenses be based on salary rather than health? I'm perfectly healthy. My medical bills are low. I shouldn't have to chip in to pay for healthcare of people that have been smoking and drinking for 50 years. Similarly, my son, who has a genetic disorder (through no fault of his own), has high medical bills. Why should other people have to pay those bills? Because they make more money than we do? That's just a greedy way of looking at the world.
@@---cr8nw First, I'm not quite sure I understand how you can say a single payer healthcare system is "greedy" as compared to a private insurance system like there is in America. With respect to people sharing costs of healthcare via taxes - what it comes down to is, what does your society value as important? Does your society value having people be healthy? Does it value people not having to claim bankruptcy because they were ill? If the answer is yes, then a single payer system makes sense. Public education up to secondary school is free in America because you decided having educated people, regardless of their financial situation, is important to your society. Similarly, all other developed economies have the same view when it comes to healthcare.
@@---cr8nwyea until u get into a accident , house fire , get older then omg the medical bill
@@jborrego2406, yes, as I get older, my medical expenses will probably go up. So again I ask, why should my salary have anything to do with it?
I know itâs unconventional, but it sounds like the husband should look at staying at home.
Lol he is astonished by 30k after 70k income. USA is sooo cool. I pay 46% taxes. :(
I'm surprised Dave didn't suggest to negotiate the medical bills. Pretty sure she could get a least a few thousand knocked off.
These people are clearly spending a ton of money they aren't mentioning.
How about health insurance instead of big medical bills.
prob is. you can have insurance and STILL have big medical bills
Obviously, she has medical insurance, but there are such things as deductibles.
Dave thinks itâs 1902
oh those darn people from san bernadino
Dave tells her I don't care daycare costs a grand a month. His wife stayed home. He doesn't realize what daycare costs.
Agreed. The husband only makes 20-25k per year. That means daycare is half his paycheck. Even aside from the numbers, that's a depressing situation, knowing that you can't afford to quit, but that your effective pay rate is about $5 per hour because you have to spend so much just to keep working.
Iâm gonna go out on a limb and say once she told him it was $1000 a month, he knew how much it cost.
@@---cr8nwthey they choose to have a kid . Also my parents did on parent stay home as the other works . Then they come home take care me when the other leaves . Do even or night .
There is no hope for this woman. She has a pile of money and can't figure out how to pay little bills. LOL
exactly lol. I would like to know what there doing with there money.
so true
Thatâs a lot of his callers. âI owe $40,000!!â Whatâs your take home pay? â$110,000lâ đ
She is paying a 1000 for child care
Did he count that.
đđđ
Her net income is 53% of her gross income. Holy smokes that's a lot of deductions.
No. That is realistic. I always just plan on taking home half of what I earn. It has always been that way for me. Of course, I have always pulled out 401k and charitable contributions. But I just plan on living on half of what my income is.
Get a bigger shovel, next question
Her husband needs to be a stay at home parent or move his hours around his wife job. They can save at least $1000 a month. Their rent is very low and their debt is very low. I believe that there is a lot of careless spending going on.
1400 is low rent?
@@HaviccB in California yes.
No, they just don't have much income for their expenses. $40k coming home divides to $3333 a month. Take a $1400 rent, $1k childcare, and $400 for medical insurance. She now has $533 to work with for food, gas, utilities (at least a phone I would think), and their debt. The husband could almost stay home, but it will cost them another $12.5k out of their yearly income.
Quit paying minimum payments and go smallest to largest. Debtors don't help you if you ask, force them to wait.
How can you not afford the minimums?
What do you mean? How can a person not afford it? Nevermind though. I just read your name on here
@@darienhubbard2207 lol
the numbers don't add up
The app doesn't work in my country whyyyyy, I need this
Move out from California
The taxes are too dam high in liberal states
And don't move to another state and keep voting the same way
VOTES DONT COUNT! ITS RIGGED!
Not adding up
Itâs apparent they are just blowing money left and right ! WTH
" ... Christmas will be a craft ..."
Their take home pay is roughly 3400, minus their rent of 1400, the 1000 for day care that's about 1000 dollars, food for 3 people, gas in the car. Car insurance, that's not a lot left.
My Gosh, $1,000 on day care? Where's the grand parents or retired family. I would've addressed that first!
Dave can be wrong sometimes!!! Iâm single my taxes went up. I make between 50-55k and bring home under 40 for the year
Lakisha Jones Iâm so sorry.
Mine too.
Same here.
He told her to change her W-4 form, and then her taxes would go down. How did some of you people make it to adulthood? SMH
Why when you follow the plan to live an affordable life people try to guilt you because they are drowning in unnecessary debt (like cable, streaming services, phone bills, ETC) like idk if Iâm old school or what but if you canât afford it cancel it and get your free time back to discover a new way of doing things that benefit you
Dave ramsey must work for Canada ... Minister of Economy
do minimum payments go up when you cancel your credit card if it still has a balance.
In San Bernardino, her rent is too high...she can find something cheaper
How do you sale stuff around the house I'm not having the best with it
8000.00 on medical bills??
Glad I'm Canadian..
You have your heart attack there,I'll have mine here..lol
You are blessed....dont ever leave....us poor americans wish we can relocate đ
@@irishcladdagh3 there is absolutely nothing keeping you from leaving. Bye.
Caviar on a tuna fish budget
*BEANS & RICE!!!!*