I'm In $500,000 Of Debt!
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- čas přidán 5. 10. 2023
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This lady is the prime example of going to college and getting degrees without knowing what she really wants to do and the market out there.
Each new degree is a new student loan and a possible deferral of payments on the current loan(s) with the hope of the next degree equalling a higher salary payoff.
Just looks good on a resume but it’s sometimes bittersweet
@@user-mv9tt4st9kI've said it before and I'll say it again -- go to Work as an Apprentice. Get paid to learn. Invest on a Monthly basis in a Mutual Fund. You'll do good!
Sounds like she does that for everything in her life. Does things without thinking about them beforehand.
I'm paying out of pocket and am in school at the moment. Still figuring out what I want to do with the degree. It's not that I have no clue on the industry, it's just where I want to specialize that I need to figure out.
4:24 😂😂😂😂😂 Just collecting degrees like a thermometer 😂😂
Brilliant
Dave’s face when she said she worked for a non-profit after going massively into debt 😂 felt
Dave's face when she said she has three degrees 🤣
Depending on the job title, nonprofits pay more than some government sector jobs and she may have wanted to work towards PSLF (which is advisable for borrowing well over $100K while barely breaking into it income wise). Still definitely an understandable reaction when actively sitting on a law degree.
Edit: That’s exactly what she said so my apologies for beating a dead horse. Her problem is she’s not looking deep enough into the job market to leverage her education and experience properly. Potential employers might be seeing right through that.
The way they suggest "just double your income" makes it sound like its so easy.
They never said it's easy. You want to be out of debt, it's hard intentional work.
No, it makes it sound like they understand that things that are worth doing are never easy.
I doubled mine just by them saying it multiple times.😂
Right, let me that, they complain about money. We can just tell her to quit the show and double her income
It’s a lot easier when you have a Law degree you’re not using
“She’s collecting degrees like a thermometer” 😂😂
Just proves people with a degree(s) are not always smart regarding life choices and this is coming from someone who has a masters degree.
I can relate, im on wellfare 👀🇩🇰
i don't even have a degree (lifetime mechanic) and I carry over no credit card debt, no car loans, and the only debt I have is my mortgage that I make 4 principal payments a month on.
I know people with degrees that are working at Starbucks and can't even afford rent, much less a mortgage.
Since when are people with degrees smart?
@@lucaslevonmusicusually when you’re stupid you don’t try to get a degree..
@@Annoye MANY stupid peoples get degrees. You can be educated and stupid.
A college degree has been a total waste of my money. I’m in retail and make no money. Anyone could have gotten my job without a degree. People get on the job training . I paid cash for my degrees. I owe nothing thank gosh.
I didn't go to college. Work as a manager, no debt, house owned and a good retirement going before 40.
You don’t always have to go to college to be successful. The drive and want to have a lot to do with it.
There are a lot of lawyers who are successful. There are a lot of people who didn't go to college who are flat broke also. It is decisions we make.
It's recommended to save at least 15% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.
For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $875k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
@@hunter-bourke21 Interesting. I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
Research and choose someone with a plan for consistent portfolio growth; "Camille Alicia Garcia" has done well with my investments, and I believe she has the qualifications and expertise to help you meet your goals.
Camille. Has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
People thought paying off their loans with zero percent was not worth doing. Now that the Fed raised interest rates it is common to have them be 7%. When I graduated in 2017, most of my loans were like 2.5% and I got them all paid in May 2020 and never looked back.
I bought a car a year ago at 4.2 percent interest. You can get lower rates if you play your cards right. I had a zero for 60 months car loan in the past and was in no hurry to pay it off.
that thermometer line went over everyone’s heads and we need to take a second and acknowledge how good that was 😆 🌡️
Wait I still don’t get it. Explícame por favor 🤔
Came to the comments to find this one 🤣 Not sure how he kept a straight face after that one lol.
@@currenteventsenthusiast9477a thermometer measure DEGREES (Fahrenheit/Celsius), so in this case he’s saying she’s collecting degrees (referring to EDUCATIONAL degrees) like a thermometer Lol
Dave’s had that line in his back pocket for a while 😂
No way he came up with that in the spot lol. Brilliant
Dave is predictably predictable, and that really applies with his jokes. It may not be one he uses everyday he has certainly used is several times in the past.
After listening to this woman, I think hubby is smart to step aside and let her fall. H seems to be to blame for all her disasters. He is not motivated, not educated, blah, blah. But he is not $500,000 in the hole.
Husband needs to walk now while she has debt so he will financially come out ok.
When you go in debt like that, you don't get to be choosy about "I don't like it" . Get out of debt, then be as choosy as you want.
She doesn't have to work as a lawyer to use her law degree to make good money. Large companies hire lawyers in high-level HR jobs to deal with problem employees, contract negotiation, staff training programs, and similar positions. Her degree in conflict management would be helpful in that regard.
And Business Development / Transactions
Yea, but the pay rate for those jobs is about the 80k she’s making now. 80k is actually very standard money for a fairly recent law school grad in many parts of the country. I’m an attorney and I’d say that was about median for my graduating class. Those of us making the money Dave is talking about graduated very top of our class and work in “big law”.
I would think that conflict management classes came with the law degree.
Dave and Jade did an excellent job on this call. The caller was speechless.
I think you meant to say is "the caller left me speechless ..." clearly she can speak.
I would advise the future younglings to go to a trade school and learn a money-making trade. Something like electrician, plumbing, car mechanic...any job that will pretty much guarantee you work and well-paid work. Too many people I see and hear with these high student loans and jobs that don't make a whole lot of money. Tell the future generation to go to a trade school we need more of them in this world.
Yes trades is the way- excellent
I say this to my young clients all the time. With the exception of car mechanic. They do not make very much money at all. But aircraft or deisel mechanics can make good money if they get a good education and develop relationships with good mentors.
@@artrayus3 Yes aircraft mechanic and someone that specializes in something like trucks. But I do think car mechanics as well. With the price tag of a brand-new car these days, its likely most people will keep what they have, and they need someone to help maintain it. When a new car averages about 50g's. Tack on interest rates for a loan and high insurance rates for a new car... Plus, with a skill like that, or the electrician/plumber ect...you can maintain your own home or car.
Husband saying those aren’t his loans 😂😂😂
Yet another “I’ve tried nothing and I’m all out of ideas” call. What do these people want Dave to tell them?
Train wreck woman calls in and Dave immediately attacked the man that doesn’t have $300K in useless student loan debt. At least he’s consistent.
They should have BOTH been attacked.
@@amireallythatgrumpy6508 Agreed
Dave love protecting women that are foolish
For real! I was also put off by her disparaging her husband whe. She said he "Only makes $50k." She went into 300k of student loan debt to make 35k more than her husband.
He might have begged her not to borrow the money. She sounds willful. I would hate to be married to someone who made stupid financial decisions.
As someone who has a law degree and is in compliance she can certainly make more with her experience and degree. Maybe even leverage her IT degree with her law degree and go into cybersecurity or privacy compliance. Hope it works out for her
Yup GRC can make 150-200k and have a life out of work. Little boring and hard to get into though, but with her degrees its a good start.
Yeah, those two degree's together could set her up for some amazing careers. It's very specialized work but it pays big money with the right places. There aren't many people with both legal and IT knowledge
You are a degree hoarder but not a good employee. What is the benefit of having 3 degrees? I am just an electrical engineer with 10 years experience. I make $110+ working hybrid. You could have just any one of your degree and could make atleast 1.5 times your salary.
Is that a good salary with 10 yrs experience?
@@reese85 I work for Utility sector which is recession free. 401k matching is 150% upto 8% deduction. My market value is more (around $130k+) and I am underpaid, I will switch soon. Moreover, the Utility sector doesn't pay like one could get in industry but somehow job security keeps your mind in peace.
@@reese85yes 100% if they live under their means. Congratulations to him/her for making that much and having great benefits
This girl needs to be a cybersecurity compliance manager/auditor. She'd make 200-250k easy
NO! We don't need more incompetent people in the IT business. It's already full of incompetent people.
sure... you keep telling that to yourself...
reminds me in the late 90s when people attended 3 week IT courses and were demanding 100k+ salaries for installing memory chips and connecting network printers lol
It’s a false assumption that all attorneys make 6+ figures. It’s a small percentage that does especially “out the gate.”
He didn't say "all attorneys". What he says she will have to do white job that pays the most. Whether she likes it or not.
There are all other kinds of law that you can practice. I hated litigation more than I hated my $450k in student loans. Switched to transactional law and just finished paying off all my loans.
What do u do
450k is doctor numbers
@@CreativeProductions- I'm a lawyer.
I have to say, the show really leveled up their audio game. The sm7b's and in-ears sound 100x better than those old headset mics. My ears are happy.
Why does it always seem like the amount of student loans is inversely related to the overall intelligence of the person?
@@JayLawsonYou seem to have missed the word “inversely”
I got a feeling there will be a 4th degree.
🤣
Facts
She should go to med school.
PhD in Management Informational Legal Theory so she can call herself Dr.
phuckeket why not, i mean 3 worked out so well for her
Basically, as always, the advice is “double your income” and all your problems quickly melt away.
Code word for "Don't be lazy"
I'm sure he loves the fact that his wife said "He only makes 50K"
My daughter makes that much and has no debt. This guy is lazy.
@@jimroscoviusthe guy is lazy but the girl is just fine? Id rather make 50 no debt than 80 and 300k debt y’all need to stop slamming the guy just cause they don’t have a pu$$y
@xsgtxbigboy1655 I said in another comment that they were both at fault. He's lazy and she's a whiner. They BOTH need to work a LOT more.
Kevin Samuels said she should find an average guy making $50k, boom here he is
@@jimroscoviusshe’s a winner?
HER house but it needs to be HIS student loan problem. Both gotta give... it's a marriage. I understand his concern though.
The debt conversation has to be had prior to marriage. Prior to "save the date" invites were sent, I showed my wife my debts (under $20k at the time) and asked her if it made her feel uncomfortable and she said it didn't. We moved accordingly. They didn't do a mortgage application together so he may have not known. Smh.
Does anyone else get the feeling that she doesn’t respect her husband due to his income? “he only makes…”
Idk if it’s because she has multiple degrees and own the house but that just stood out to me.
Because if a man does not make more than his woman, she loses respect for him. Most women do this.
She put herself into a mortgage worth of debt and only makes $35k more than him, and she has the nerve to talk down?
Facts
From watching lots and lots of Kevin Samuels I think a guy needs to make 50% more than his wife to be appreciated as an earner.
If she didn’t respect him she will divorce him. He is only making 59 that’s facts. This woman has a history for settling for less, less salary, less from life, less from her husband.
There goes Dave, simpin again. The dude only makes $35k less than her and he didn't have to bury himself under a mountain of debt to get there
They want him to assume stepdad to her Student loans. They don’t seem to mind that the house is in her name though.
Always
She can make a lot more with her degree, but she said she doesn't like to do the work that pays her almost double her current salary.
How do people get married but handle finances like their single? This is insane.
Any man would be a complete fool to pay off 300k of her horrible decisions.
@@johnlanier3616 Then by your logic he shouldn't have gotten married. He took on her debt when he married her whether he likes it or not.
@@artrayus3 Exactly
Dave is letting Jade know ... this is his show 😂 Dave let Jade get some mic time please.
Right lol he needs to work on not talking over people. We get it’s your show but respect others in the same way you want to be respected.
Why do people not figure this out BEFORE they get themselves into such horrible debt ???? smh
Sometimes the college work is much much different than the real world job... A good example is this... I started out learning to be a professional airline pilot at ERAU, the expense of pilot training and the low starting out pay of a junior pilot was a determining factor in me switching to their Air Traffic Controller program to work for the FAA. I graduated with good grades and a semester early, but the real world of being a controller is was VASTLY more difficult than any training I did while in school. I couldn't deal with the mental workload and my facility told me I needed to resign and do something else.
Real estate attorney. Tax attorney. These people and many other lawyers make good money without having to litigate.
Mediation is a growing field , with courts back logs
I wonder if she continued getting degrees as a way to defer her student loan payments? I have a couple of acquaintances who did that, incurring more student loan debt thinking the next degree will make them more money. 🙄
I know someone who went to grad school because she couldn’t afford to pay her undergraduate loans. She went on to become a university professor so hopefully it worked out for her financially in the end.
I hated working in the medical field at first. I cried all the way to work some days! I also had 3 babies at home! I took overtime and worked until I paid everything off, and I learned how to enjoy what I was doing! She has got to thicken that skin and get out of debt! Wish I could have been an attorney…
They say double your income like you can just snap your fingers and do that lmao
If she dug her heels and decided she was going to double her income she could do it within about 3 to 6 months. If she's more careful and cautious 1 to 2 years.
I don't blame the Guy, I wouldn't want that debt either lol
He shouldn't have married into it if he didn't.
I know ADAs who make less than 100k. Being a lawyer doesn’t guarantee tons of money if youre not sure what you want to do with it
You can’t say the husband isn’t motivated without telling this woman the same. You have a law degree but you do t want to litigate? At what point in law school did you not understand litigation is part of being a lawyer? This woman reeks of unmotivated. She want’s everything easy.
There are contract attorneys. Litigation is not part of being a lawyer all the time
What husband? In her situation she doesn't have a husband because, they're not living like a married couple, when their finances and everything else are individually separated, and not financially supporting each other. That's not a marriage! You can do bad by yourself.
@@slimdude2011Right 👍
AI is going to kill contract attorneys in the next three years; count on it.
Most people with law degrees do not litigate. That's a fact!
"Collecting degrees like a thermometer" 😂
And women on Eharmony think I’m a jerk for asking if they have student loans. I need to show them some of these videos, smh
Accountability is Kryptonite to women.
At least it's a pretty easy rule out if they have an attitude about a fundamental question. If they get pissy with you for asking that then move on. If you married, they would expect you to take on that debt burden as if it were yours. The least they can do is be transparent about it.
@@artrayus3 Another red flag, next....
I love watching this show with no Debt on my shoulders.😎
me too
Too many people prefer to be comfortable in debt rather uncomfortable in a job that pays well.
Difficult jobs command higher salaries.
‘I do not want to litigate’ Suck it up. Shouldn’t have taken out 300k in student loans 😂
Or couldn't hack it and can't get another job
Can’t educate yourself out of poverty. Poor people think the number of degrees they have equals wealth and status.
Education is a gateway out of poverty. However, it's not the be all end all way out of poverty. The margin of error for anything when you are poor is very, very small. That includes choosing wrong degree, starting a business without a solid plan or investing, etc.
I wouldn't hire her to fix a speeding ticket.
4:22 Dave just dropped the hardest bar in history🔥🔥🔥🔥😂
I am sorry to say this and be so blunt but anyone smart enough to have three degrees had to have known that amassing all of this debt was not a good idea. It is now time to start paying the piper. This can no longer be about what you want, but what you have to do to pay this debt. We need to stop giving out this amount of loans to students. There is no reason that a person with no ability to pay needs to be given loans for a third degree.
Make money first, then go be charitable. He told her to go to work, but she went back to school instead. Good for him putting his foot down.
Collecting degrees like a thermometer!! Savage Dave comment
kids, don't go work non profit after college until you pay off your debt and have your finances in order.
Help yourself before you help others. Wealthy people don't start philanthropy until later in life after they made their wealth.
What’s an IT degree? Comp Science, or a two year network admin AAS? Either way, neither is worth much on its own. Certifications and work experience is what matters in IT.
Collecting degrees like a thermometer, wooooo, I like that!!!
Def should be able to utilize your IT degree and your law degree for compliance with tech companies(especially since you have 3 yrs experience in litigation already)...as crazy as it sounds I'd suggest moving to a bigger tech hub where youd have a big shovel pay and just find a way to live cheap..it will be tough cause of the kid and school districts but possible for a few years then move back to the south after you established some great experience. Might be after 2024 when tech recovers from additional imminent layoffs though...
What they don’t understand is once you’re married the house is in BOTH names. Doesn’t matter who bought it.
Dave said “shut up”, silence! I look down at phone! 😂
It is sad to see Dave always interrump Jade :( and She's very talented
Did not notice until you pointed out, but it happened several time in this video.
He’s consistently talking over his co hosts. Wonder why we see such turnover.
I think Dave is the star. I would not call in to talk to the others.
I love when they say things like "if you double your income and he doubles his income you'll be wealthy" like really? Why didn't i think of that? Why don't I strap on my job helmet and squeeze down into a job cannon and fire off into Jobland where double my income jobs grow on jobbies.
@triiii1303 what middle class?
@triiii1303. Like any degree, it is only as good as how you apply yourself. Lawyers are a dime a dozen. If she were at the top of her class, she would have gotten a better job. The top lawyers work hard and don’t want lazy ones to deal with.
Her house and his loan 😂
"Collecting degrees like a thermometer." LMAO !!!!
Dave is always acting like lawyers should be making $200,000. I am a lawyer and I know plenty of lawyers who don't make near that. Only big law or medium law firms or some in-house positions pay that. And to get in-house, you generally need law firm experience.
She should have been doing “summer associate” working interviews while in law school and graduated to a big, downtown corporate firm. Anything less, is a waste of time.
@@princetonscholar5723 GIrl, they don't just hand out those big law jobs.
@@rsimmons1980 Never said they did: Study, Excel, Compete 📚
I also know plenty where are making above 200k. How much you make in law depends on you. Some lawyers want thier time and sanity won’t trade it for money. Other don’t care and only focus on money
@@shachede6828 And then you know that those people are the minority.
I feel this woman on so many levels. I can’t litigate either. And if you can’t, then suddenly that law degree is worth so much less than you paid for it.
Shouldn't law schools filter people who don't show litigation potential? It's awful expensive to not be able to use it.
I'm stuck in litigation too. But luckily I am doing more writing as my employer realized that is my strength. Going to Court is horrible.
There are definitely a ton of transactional jobs out there. I went from doing family law litigation into intake. A lot less stress but also $30K pay cut. I also paid off my student loans with a sense of urgency though.
@@semosancus5506 it’s hard to know at the time.
@@rayisnumbaone “a ton” is a massive stretch. Hell there aren’t even many compliance jobs like this lady that called in has. And it seems like everything requires you to have litigation experience Lol
The interest on those loans are fighting against her. She has what it takes to find a better paying job.
Why do people get 300k in student loan debt just to make 85k? You can make that with an associates degree from a community college for free 😂. Feel bad for her honestly.
Saying you’re a lawyer is a lot more prestigious so there’s an oversupply of lawyers
Yea, you use Financial aid to pay for tuition and everything is free as long as you pass your classes. I make $55 K with my associates degree.
You lose the choice of doing what you want when you borrow the money
Yes work is grinding and depressing, but it is also grinding and depressing to not get a loan paid back
(I own a tiny little bit of bank stock, I pay taxes, and I have cash; so if the loan is not paid back I am injured one way or another)
So the husband pays rent to her??
I don't think most people with law degrees make 6 figures right out of the gate.
Probably, but in 3 years, with drive...easy!
Husband. 311K debt, nope not my debt. That's drowning debt, nothing the husband could do anyway especially if he has some debt as well, he wouldn't even be able to make dent even if he tried. That's insane debt. 3 degrees, at what point did she say to herself, enough is enough and stop getting useless degrees and pay off her first degree before getting more degrees. It's insane, she likes to collect degrees instead of them to earn money. Madness
I wouldn’t help her pay her student loan either. Dave is cutting the husband down for only making 50K but he didn’t go spending 300K on degrees that he isn’t benefiting from
I understand this but marriage isn’t about living separate lives.
Dave also said nothing about the Mortgage. If marriage is a partnership, put him on the mortgage too.
She has more degrees than a thermometer.
She needed to hear this
Can't wait for the Jade Warshaw show to start!!
collecting degrees like a thermometer 🤣
I forgot your name 😂😂😂
0:12 😂😂😂 Homegirl was hurt lmao
This is crazy. Maximum degree with relatively minimum income. I have an IT friend who makes triple her income working with the state or county.
Why don’t she just be an attorney for a tech company?
Sounds like a good plan.
Problem solved!
Proably cause she isn't good enough lawyer.
Not happening unless she went to Stanford or some other top law school AND has experience.
@@trent797 If she gains more compliance experience she could have a chance. Could move over to the big banks.
It's a myth that all attorney's make 200K plus. If you don't go to a top 25 law school you will struggle because there is an over supply of attorneys. The high paying jobs are prestigious law firms that have their pick of the best graduates.
Yeah legal aid needs good lawyers but doesn’t pay the big bucks
So true. Also sounds like she went to law school later in life. Large law firms are not going to hire a middle aged student unless they have a special skill set or was a top student. There are exceptions of course.
that's not a myth. Depending on where you live a Paralegal can make over $150k. I make more than that as a Contracts Manager.
@@fahlou2019
But the COL is higher in those areas too. Definitely not worth it to get into massive debt for a law degree barely paying 100k
You don't have to get into debt for any degree.I didn't. The issue is that the caller seems to be confused about what she wants and just collects degrees with no goal in mind. She can make a lot of money if she stops running around without a purpose@@kaiung7542
You got an IT degree only to realize you don't want to do IT. Then you got a law degree to realize you don't want to fight in court, probably because you're not good at defending your clients. You would have been better just working at Walmart straight out of High School
And then she took courses in conflict management, which "didn't help", to help her with her issues with litigation.
As an attorney that left litigation after 3 years, its not always because you weren't a good attorney, over 50% of lawyers dislike practicing because it's draining dealing with other people's issues everyday especially in family law. You become their therapist and it's also a personality issue if you're not argumentative and you come to realise you don't enjoy arguing in court everyday. A good pay is what keeps most lawyers practicing, not enjoyment of law.
Look into the personal injury field (car wrecks, slip and falls, etc.) Preferably, a firm where they feed you cases vs you having to advertise and do the leg work. Let them call you an ambulance chaser. Your bills will be paid. You have a goal. Try to stay on the pre-suit side. Majority cases settle prior to trial. May have to do depos and mediations, but PI is lucrative. May take a year with no experience to get the caseload moving, but worth it over time.
He said collecting degrees like thermometers 🤣🤣
Those degrees really don't do anything. Sucks, I hope they can get through this.
They are tool. Can’t do anything on thier own
Wrap fish
3 degrees, 500k in debt and only makes $85k… obviously degrees don’t = intelligence
Recently retired Canadian teacher…make a great pension and benefits with money in the bank. I have repeatedly encouraged all my students to look at the trades as a career option. Seeing the insane debt of American students is horrifying!
It's absolutely true the old saying....someone can have book sense but no common sense.
I hate how Dave always bash the men without knowing the story.
This proves that people with all this education are not very smart. At what point would you not ask yourself what the heck am I doing????
Lawyers don’t make six figures right out of the gate
Collecting degrees like a thermometer… 😂😂😂
How the hell did she get a loan for a house with that much student debt. I have no student debt and I make 50k and I can’t get approved for a house.
i love all this except the whole double your income...this is not usually even possible:(
The lesson is this: Striving in an educational environment requires zero courage, striving in a business environment require major courage.
Why get a law degree if you don’t want to do the type of jobs that pay a high salary? That makes literally NO sense unless you already had a trust fund set up.
To be honest I think she “hated” litigation because she didn’t have the competency for it. Passing a test is different from working the actual job.
You said it! Exactly what i was thinking... she prob doesnt like it cuz shes not as good at it. Bt then she should hv thought abt alternative paths
He only makes 50k she said
I liked the degree debt so much, I went back for more…..
TWICE!!!
Hope she manages to convert them to income in future.
I have absolutely no sympathy for people with student loan debt. You have a brain and you chose not to use it. It's on you. On top of that most of you bring children into the world when your in debt.
You’re
Never felt more proud of my GED... 🤣🤣 Great episode!