We’re Always $500 Short Every Month
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- čas přidán 8. 06. 2024
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I love how Dave Ramsey always makes it a "We" decision when it comes to marriage finances and family finances.
Construction workers lol i know a few of them they spend 50$ a day at the gas station instead of packing lunch brew coffee at home
I feel attacked!
@@notarussianbot8157 not if its true lol 4 monsters 3 slim jims bag of ice 12 pack of mtn dew coffee and a biscuit for breakfast couple dogs for lunch am i wrong? Lol
Don't eat out, as Dave says. Once a week make soup to use up leftovers in the fridge. That'll save a bit. Saturday fridge soup.
I make soup every day from the liquid in my neighbors trash cans, for Free!!! Young people today think they are too good for that!
@reesercliff neighbor trash soup, that's the good stuff. Sometimes you're lucky enough to get a free rodent in there to sweeten the broth!
@@reesercliff Oh that is dreadful.
@@NoodlesEaton no it isn't you just have to properly season it my friend
@@benmyers9030You guys are something else 😂
"You're not going in a restaurant unless you're working there" - i almost wish i were an advisor just so i could use that line.
“Rice and Beans; Beans and Rice”.
Hah...literally eating a bowl of baked beans and rice with cut up hot dogs for lunch at work. Pretty delicious!
Ramen noodles even cheaper.
I start to worry when I’m not gaining $600 in savings every month. How do people live like this?
Same
Well they also enjoy life more than us cheapskates so better to be less sanctimonious. Family of 6 $100k in South Florida seems like it's going to be a struggle no matter what.
@@JudePi-jx7yo I spend plenty on going out to eat and vacations.
@@JudePi-jx7yo entirely subjective.... so many people keep themselves busy non-stop yet still feel empty and there are tons of people that live a simple life and are overly content/happy.
True, we save and invest $4000 a month and I still feel like this isn’t enough, lol.
I feel that the last bull run was bolstered by all the money being printed. Major returns next bull run but I think they will be tamer in my humble opinion. A 10x on *DaleValskov* and a 15x on polygon are fair considering how much those two coins are interwov
The efficiency of this *DaleValskov* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jack!!
Funding 401(k) with a credit card, LOL!!!
🤯
WOW....
How is that possible
@@terrim.7997every dollar going into retirement is a dollar that shouldn't have went on the card.
I don't understand why people live above their means and then make more bills.
Because people want the easy way
Because they're stupid?
90% of Americans are broke
for the same reason dumb people who can't afford food then decide to have a bunch of kids.
They lazy
Their house payment is very good for Ft Myers, FL, considering that the cost of homeowners insurance is most likely very high for her local area
My heart goes to the entire community for *DaleValskov* building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish
I did not believe that after the whole FTX drama there's any good to get this year but *DaleValskov* proved otherwise. Bad timing maybe but it's a great adoption to get this more to the mainstream and raise awareness. Probably a high contender for a top 100 growth
We have been on a recession since the beginning of 2022, but big media and governments all over the world didn’t want to admit it. We need to be wise and use our brains. Knowledge is power and I’d like all the family to be powerful! Just purchased some *DaleValskov* Thanks for keeping us informed during this times of doubt?
It's amazing what you do *DaleValskov* We need a lot of people with your skills and set who have good intentions and spread love
Can't deny the fact that *DaleValskov* is the strongest bet to bring power back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good, but I don't see that the biggest tech company in the world would put everything at risk just for that.
There should be a book on basic saving money skills.. Babies breast feed and cloth diapers.. I talked to a young Mom the other day diapers $70 last 2 weeks. Breast Fed if you are able, even if you are just pumping milk for bottle feeding huge savings. All meals at home unless it's a special occasion, taking a family of 6 out to eat or even fast food is crazy high right now. Lunches taken to work every day. Shopping the thrift store for children's clothes and saving clothes from the oldest child for the next, shoes too. Bare Bones Basics. Hope it works out for them, Florida is a expensive place to live no matter where you are at. Anna In Ohio
Probably a companion book on not having that many kids, and struggling to pay for them.
Dave and Ken are right on here. I only question one thing. The caller and husband have 4 kids. She should not be expected to work more hours. Hubby can work more construction hours, but he has the kids too. Some other things should be really looked at hard to tighten up the budged. Things are not going to be cheap with 4 kids. Good luck to this family and to all of us !! 👍
She can't, but he can't?
You cannot work more construction hours. Most places you can only work during certain hours.
@@jimmymcgill6778he can Uber some
@@jimmymcgill6778 IMO if the commenter was working construction they would already know that!!!!
Why doesn't she get a better job since she has a Bachelors degree? Wonder how much money they are bringing home each month? Bet a lot of credit card is from going out to eat.
She can’t work more so make HIM get a construction job??? And what happens when he’s hurt on the job???
I know it's a saying of Daves but literally beans and rice will cut your bill down. Add some things to it but making the bulk of your meals rice based without meat will cut down that food bill.
Am I the only person who likes to work and be able to pay my bills and have extra money???
No, you're not alone. We're abnormal. Normal sucks!
That's what I did. Pursued a profession I enjoyed, worked hard, lived frugally, saved and invested aggressively and consistently, retired at 63, and have zero debt and a net worth of $13.5 million.
The other side of that is, if you're not in Tip-Top physical shape, swinging a hammer 16 hours a day 6 days a week is going to wear you down really quickly.
They are young. They can handle it.
Plus, I wouldn't want my wife in those dangerous conditions, and being harassed by a rough crowd.
Yep, my husband needs two shoulder replacements and a partial knee replacement. He is extremely talented but never made bank.
Dave: "Where's your husband in this?"
Caller: "He's not so good with money"
Dave: "Neither are you".
🤣
It sounds like they're not in horrible shape. Student loan is high but not stupid-high like some people. They need to start pinching pennies until Abe screams though. I well remember when we were pinching pennies and our winter "vacations" were picnics in the living room. We'd spread out a blanket on the floor, make up a lunch hamper (usually leftovers) and just have a nice quiet evening. No TV, no stereo, just us. Summer "vacations" were the same, only actually outdoors at the city park. You go into it with the right attitude and it's more enjoyable than traveling somewhere.
Yup a game of "Sorry" , or "Monopoly", or Yahtzee......or even checkers...can be fun and CHEAP....and educational.
I go to restaurants that give you big portions. Is basically two meals out of one order. There is almost no difference vs me cooking at home.
butter - 2 sticks - $2.50
beans - black $3/2lbs
-pinto $2.50/2lbs
brown rice - $3.50/5lbs
rice & beans for 2000 Calories per day:
brown rice per person per day: 1/2 lb
beans per person per day: 2/3 lb
calculation for 6 days:
3 lbs brown rice - $3
4 lbs beans - $6
2 sticks butter - $3
chicken broth - $3
frozen corn - $2
total: $17 for quite a bit more than 2,000 Calories per day, less than $1/meal. Are you going to a restaurant that gives you a double portion for $2.
A lot of Ken’s questions sound kind of stupid, there aren’t too many private investigation “side jobs” for someone who works for the state in law enforcement.
Why not? Lots of law enforcement officers have second jobs in their off duty hours.
Because Ken is not qualified in any way for his position. He is by FAR the most annoying,ignorant, and worthless “Ramsey personality”
@@jocarson5310 True, and it seems there are openings for security detail in all kinds of businesses.
Lots of them have second jobs. Working security for example. Where there's a will there's a way.
working for an individual private investigator?
Somehow I giggled uncontrollably at “neither are you” 😂😂😂
Dave The Savage, first of his name!! 😂😂😂
Lolol me too
I feel like Caleb Hammer would iron this out with the quickness and tell them to quit buying taquitos.
Does everyone in TX eat them? I always hear him mention, whataburger, chipotle, and taquitos.
😂
@@dannwhitehead6193taquitos has become his sort of meme catch all term for gas station bs type purchases
@dannwhitehead6193 god no haha the taquitos is his euphemism for gas station food and treats. Now, what whataburger is almost a cultural aspect of Texas. But there are still clowns that prefer in-n-out.
@@kreneesimo - Thank you for clearing that up. Being i grew up in Los Angeles, In and Out has always held a special place in my heart. But now in AZ I have tried Whataburger and dont see what the fuss is about. The Habit is where is it at for me.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you *DaleValskov*
When you go over by $500 a month that’s actually pretty fixable. I would look at the last 6 months and how much they spent on each category of their budget and she’s where the over spending is happening. Most people could save by cutting coffee, fast food, convenience foods, streaming services, and a few other luxuries. Also if they have 4 kids they should have a big garage sale with all that baby and toddler stuff as their youngest outgrows it all. I just made $1000 having a big garage sale. That’s baby step #1 right there.
I hear you but like mentioned they have 4 kids. They decided to have that many kids but it is still a sucky situation for the family. Cutting costs is a perfectly reasonable thing but with 6 people to clothe and feed 100k can still make things tight. One or both can pick up side gigs to knock it out and I don't always agree with them about selling cars because if you get something different and cheap it's a roll of the dice, they just need to hammer out these debts and getting rid of the car payment is big.
@calinator51 my parents did really well raising seven kids in a decently nice home with just over 100k per year, and two of my brothers are not out of the nest yet. We almost never ate out, except maybe on Father's or Mother's Day after church. We lived below our means and had great lives. They also raised us into our teens with enough awareness to not go into debt for everything that we want (or justify spending by claiming we "need" something that is actually a luxury)
@@lydiamae1727 That is awesome! You have amazing parents and it's great you had such a nice childhood. I also want to mention(I have no idea how old you are) that 100k a year doesn't go quite as long as it used to with the insane prices of everything nowadays but rice and beans beans and rice lol.
I'm literally overwhelmed, You are a blessing to the world. I can't thank you enough *DaleValskov* for helping me with my account recovery. My prayers will always be with you and your team. Keep it up guys. Love from Maldives. There are many people out there I pray everybody get help.
I love Dave! "well drive right up in his face..." Such a way with words.😛😛😛
We have one child, yes we wish we could have had another, but we COULD NOT AFFORD IT.
The Lord will provide.
@@sitcomchristian6886 LOL
Get a puppy 😂
Same with us.....and I was able to pay, in cash, for my son's 80 grand college education so he wouldn't have ANY college debt when he graduated.
@@jeep19 they’re equally expensive, so no, but thanks for your brilliant suggestion.🙄
With younger people it sometimes takes a while. I know for my wife and I it did but thankfully we’re on the other side of that.
I’d definitely say if it’s possible to sell or trade the car to something paid off or at the very least a significantly lower payment definitely look at that.
I know this opinion may not be popular but IF they can be disciplined and not go back to credit cards it might be worth looking at a debt consolidation loan, even a small one to pay off some of the smaller cards. I did something like this against my retirement which isn’t the best idea but I was able to pay off most of my credit card debt and it was pushed down into a smaller time frame and saving money each month. But you have to get to the point where you aren’t using the cards anymore. That’s the hard part though.
Putting the cart before the horse.
They did on every conceivable level: house, cars, having four kids before finishing school, etc.
@@stevenporter863 If only they were perfect like you from day 1. They are both working and contributing. They are trying to get this figured out. Did they make mistakes? Yep. Do a hell of a lot of people make mistakes in their 20s? Yep. Save your perfect criticism for the people sitting on their couches doing nothing.
@@danielrn133Not perfect, just common sense. You don't buy auto insurance before the car, right? Otherwise listen to the result.
I just can't with these people. The level of ignorance about life is staggering.
Younger people want the BMWs Merzades big homes like they’re Millionaires and they’re not, I grew up well but my parents didn’t use credit cards like they do today, cards back when I was growing up we didn’t live off these cards to afford things, we lived off of cash
My mom was good at finances they worked well together on that
@@merylparks1584 Plenty of older people do the same thing especially gen x. Trailer homes with a 75k car parked outside types that complain they can't save for retirement.
Yup - but that's kind-of the point of shows like this. Teaching people who don't know how to get organized...
Good thing fine arts is a requirement for college and hs, but not personal finance. Heaven forbid schools require something useful to graduate.
If education in high school applies these principles it is deemed racist or elitist! Who wants to navigate these highways?
Cut cable. Cut expenditures. Cut. You might look into skipping lunch or eating less for a few months and see how it goes.
I don't have cable but I do have internet. If I eat less then I'll drop to under 100lbs. 😂
@@BREEZYM6015 Don't be obtuse. OP was making the point that there are things people can cut. Phone Bill? Most people just sign up and then never ever look at other options.
Then there is eating out. Most people don't think twice about stopping to grab something. Expensive vehicles. Why? Why?
They have kids....should they stop eating as well?
@@theseeker4700 KIds can wear me hand me down clothes. Too many people feel children (even as young as toddlers) new designer clothes. Why? Buy second hand or find another parent and do a clothing swamp.
Analyze your food expenditure. With children we are tempted to buy snacks and 1 serving packs which are crazily expensive. Plus sodas, bottled water. A sandwich can be a snack. Water from the tap won't kill you. Spend time on youtube learning fast and inexpensive family meals. Instead of fast food have "family picnic night" with leftovers. If you have teenage boys, the food bill can go sky high---I know, I had 3 teenage boys at the same time.
It’s sooooo much easier to just change your lifestyle the first time you don’t pay your entire credit card back at the end of the month. Now your 20k in the hole and you’ll pay 2x that back in interest or more as you make slow progress.
I had a friend years ago who was terrible with credit cards. So he just stopped using them. Switched to a debit card and was fine. Well, sometimes he got declined in the beginning, but it really helped him turn things around. Some impulse buyers are fine if you just put brakes on the wheels of their spending.
I really appreciate the dedication in each video you post. Despite the dip in crypto, I still thank you for the level-headed financial advice. I started crypto investment with $4,345 and since following you for few weeks now, I’ve gotten $18,539 in my portfolio. Thanks so much *DaleValskov*
They have a house but didn't mention having a mortgage. I would guess their house is not paid off based on their age and finances so they are probably more in debt than what she said
She said mortgage was 1800
She said it was $1,850.
📌 TA is all well and good but I find it truly baffling that all major stocks you tubers just look at pure TA and completely Ignore the bigger narrative of why stock Is pumping and why the future outlook might not be as rosy as it seems. Alot has changed and that's about it, but the truth is that I don't even care much about the bull or bear market anymore because *DaleValskov* covered me while I'm doing comfortable. 2.3 BTC per month
great ep
This is one of my favorite channel. It always makes my week complete! 😊 Despite the economic downturn, I still manage to earn $25,000 weekly from my investment of $3,500 ..God bless *DaleValskov*
liar
Why do these people have 4 children when they are poor and can't handle money?
They make six figures, bro, they ain't poor.
b/c f'ing is free when you don't buy condoms.
@@sitcomchristian6886 NO..but they're stupid. People need to learn to keep their legs closed and use birth control.
4 kids $100k in South Florida at 28 is going to be tough no matter how they budget. Can't go back in time. Those salaries aren't really competitive so move somewhere cheaper or increasing income are only real sustainable options.
Damn! That's another way to think of it..FUNDING 401K WITH CREDIT CARDS. 😂😂
How do i access your materials from Africa. I tried to download everydollar App but I'm restricted.
Zambia
The more kids you make, the more hours you have to work. Or you can let the system take care of you.
The debt they have is STUDENT LOANS, car loans and CREDIT CARDS! Plus they aren't on the same page with the finances. This can be relatively quick to clean up if they sell the car and buy a one payment car for the short term, That alone saves several thousand dollars,
Cut up the credit cards and work as much as possible for them. Maybe they need to join a babysitting co-op to save on babysitters. It can be done. But they BOTH need to be intentional with it. Cause, obviously going into debt at the rate of $500 a month isn't sustainable.
I have a question: what would Dave say about taking a loan from your 401k to pay credit cards off? your paying it back and it s lower in interest.
"what do YOU owe on your car?"
"I owe $20k"
"WE owe!!" 😂then ask the correct question. "what do BOTH of you owe?"
🙏🏿Jesus!! Thank you for rescuing me from debt debt
Oh the irony of life.. I have friends who would be awesome parents and capable of providing but cant be blessed with a kid, and you’d hear couples popping out kids like that…
It's always been like that the irresponsible breed like rabbits then do this 🤷
This is so needlessly judgmental and rude.
It’s dumb and irresponsible to bear kids into an environment that you are going to make them suffer in eventually.
@@sitcomchristian6886 It's a fact of life. If you can't support your family of 5, don't add another one. Children are expensive.
Fr
Four kids by age 26 😬
May the odds be ever in your favor!!
She said she made a spreadsheet but does t know any of the totals lol
That's enough kids.
Two kids ago
Wow! They really have no business having four kids with that debt.
@@stevenporter863kids put you in debt. 😂
People who can't manage their finances choose to have four children. No common sense.
@@The-Oneness11 No, stupid financial decisions put people in debt.
I bet her car payment is 500 a month
Probably more than that.
That doesn't count the insurance on said car. The last vehicle I bought new (and never again), the collision insurance was as much as the car payment.
500 isnt that bad as long as she pay it off
28 and 4 kids, insane.
Dang the boys are out in full force.
So glad Dave asked about the husband? They're most of the time behind the scene.
Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. I retired with 5 million dollars
If you’re new to investing or have a more complex financial situation, It can be helpful to work with a financial advisor who can provide personalized guidance and help you make informed investment decisions.
That's correct. At first, I wasn't too pleased with my gains compared to my previous performances, I was doing so poorly, I thought I needed to diversify into better assets, so I got in touch with an investment-advisor. That same year, I pulled a net gain of 550k, which is about 10 times more than I average on.
Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
The coach that guides me is THILO MOUKOKO, it shouldn't be a hassle finding his seeing that he's actually quite popular, just search his name.
Thanks for this tip. His website popped up on the first page immediately I searched his, I read through his resume and it seems pretty tight. So, I dropped a message & hopefully she replies soon.
Dave pretends he’s a hillbilly but then he says your dumb if you don’t get a degree 😂
...aww...you think you made a poiny...
"If you can swing a hammer you can make 40 to 50 bucks an hour."
Where? That's 80K to 100K a year. Are you sure all you need for that is to swing a hammer?
My ex fiance was a contractor and yes, he could make that much and no he wasn't a scammer. You would be shocked how being a decent and honest contractor gives you a lot of positive word of mouth.
@@littlesongbird1 He was a contractor as in he had others working under him?
These are the same people who say you can walk into McDonald’s and make $20/hr
Apparently in California you now can actually make $20 an hour at McDonalds. Of course their Big Mac is now like $15….
@@princeprintz2414most fast food places do pay $15-$20 an hour now. There are McDonald’s that pay $20 in California, that’s what they’re referring to. It’s a hyperbolic statement used to make a point. No one has ever said “every McDonald’s in the country pays $20”. Some people have zero social iq and hear every word in its most literal form when language and communication doesn’t work that way 😂
How do I get into contact with Dale Valskov and give him all my money no questions asked?
Nothing in this call indicates they have an unsustainable amount of debt. $20k car loan on a $100k income is not out of line. $20k student loan to make a $50k salary is not out of line. Yes, the credit card debt needs their immediate attention. My guess? With four kids, their daycare expense is eating up a significant portion of their income. - probably in the $25 - 30k range. Daycare is incredibly expensive nowadays.
So yes, they need to do a detailed budget to figure out exactly where all their money is going. That is a good first step. They didn't delve into the type of construction work that the husband does, but also yes, he can tap into that skill set to earn extra money. In the end, once they do the budget and identify where their money is going, they will most like determine that they do not have to stop their 401k investing, perhaps back it down to the company match.
Dave and company get benefits out of selling.... They are not there by saving and cutting....
Exactly what is Dave selling? All of his info is free. Just have to listen, not be a keyboard warrior
@@alinatamashevich3354 What is Dave selling? LOL That "free" Every Dollar app? It may have a "free" introductory period, then you pay a subscription fee. He's selling books, seminars, merchandise, apps, and pushing you to use service providers that he either has a financial interest or that pay him an advertising fee. Everything he does is to get you to drink the Ramsey KoolAid and then go to the Ramsey store and buy stuff.
@@alinatamashevich3354 you so t know about his online coure? His book? His sponsorships and partnerships with other businesses (Smart Vestors Pro) I think. You do know radio people also run commercials right on air?
A budget is like a calorie deficit if you stick to it, you’re gonna lose weight if you stick to your budget, you’re gonna spend less money than you make. It’s that easy. 😅
She has 42k in debt, 22k in c/c and 20k. Unless they have a house that is paid for, which I highly doubt, how is she not accounting for mortgage payments? The level of ignorance is astounding.
I can bring my monthly expenses down below $750 a month (no mortgage or rent... paid off house is nice to have)
How driven are you to actually budget to fix your mess?
Selling a house and buying another costs $$$!
When people declare they can make "$75K to $100K more than the actual value of the house" and then go buy another one under full market value, you know they're completely delusional.
I think the point was to move to a rental until they are in better financial shape.
Haven’t lost a patient yet
4 kids wouldn't be a problem if they didn't have all the debt. The credit card debt alone is a killer. They're obviously maxed out. So they play the game of making minimal payments, but turn right around to max it out again.
Take a hit on the credit score, and stop all payments on the cards except 1. Cut costs, don't go crazy at christmas, and throw everything you can at that one card. Then move on to the next one. Use all that child tax credit to your advantage come tax season, and put it towards the remaining cards. Then tackle the car payments, then student loans. It can be done within two years on the salary they make, and cutting all unnecessary expenses.
I agree and disagree.
Agree 4 kids might not be a problem if they fix up their credit cards an debt but factually you can't say that 4 kids won't cost more than say two kids. Basic math and common sense.
THINK people before you have kids!!
All that extra monthly debt going in circles takes away the money needed for 4 kids. 4 kids is definitely doable on a $100k income, but not with $60k+ of debt lingering above.
Credit cards -Mortgages-Student loans-Cars-4 kids and other expenses,I’ll Be damn for real
It’s fourth grade math but if your husband doesn’t want to do it, it gets so frustrating. My husband is in his 50s and every time we sit down to do the budget he leaves halfway through it and I have to call him back. I don’t know why he does it and asking him is like asking a wall.
He doesn’t want to deal with reality. It’s unpleasant.
@@pnwflipper2089 yeah I get that it’s not fun, I don’t know how to get him to grow up.
You cant, he is not grown up yet
@@htran18 that is so hard. Do you think he would be willing to take a financial peace university class with you? It might be harder for him to walk out on a room full of people and an instructor?
@@pnwflipper2089 that’s actually a good idea thanks
The daycare bill must be a killer.
They would sell their HOUSE before selling their cars...
People really need to plan out how many kids they can afford before popping out 4 cos you wanted 4 and then trying to figure out how to keep things afloat afterwards. The whole concept of "we want 4 but we can only afford 2 so we're having 2" doesn't even occur to them, people just do whatever they want and then cry about the consequences of their actions.
You are so right
She better sale that $20,000 car
I imagine that many people either underestimate the costs of 4 OR they were doing fine until the income went down for whatever reason. Try using your brain for once. Life is not a video game.
Helpful, thanks Judge Judy.
Kids aren't the problem.
@@MrSteeDoothe group with the highest birth rates in the country are below the poverty line
She has a bachelors degree, so should know basic math and set a budget, all you need is a 5th grade education. But people don't want to make sacrifices they want to YOLO, well have fun with that when you're broke in your 60's on the cusp of "retirement"
It looks like in this situation one wants to get out of debt and the other doesn't. If they're both not on board, it's not going to work well. A rollercoaster is fun for a while, but hard to deal with in the financial department if one saves and the other doesn't.
This video has inspired me to buy a brand new Tesla.
Did we talk about birth control and day care? 4 kids should have required a lot of foresight and budgeting BEFORE they got pregnant! They will be stuck in lower middle class forever even if they get out of debt unless he can seriously increase his income. He needs to be on a path to foreman or project manager.
People having more children than they can afford to support is a major contributor to poverty.
Kids grow up, buying a new car every 5 years will keep you middle class your whole life not kids
People are being so dramatic about the 4 kids. This couple literally makes six figures, people.
28 with 4 children is wild to me. Wow.
They haven’t told her to close her legs yet, but that’s step one
@@catherinewilke5583 Gross, woman. Way to keep it classy.
My suggestion: Start taking more cold showers and they should focus on keeping their damn legs closed.
Maybe sell one of the kids LOL.. but seriously the dumb American dream is to own a home and have kids. Both are expensive.
To all future parents; don’t have 4 kids when your income is only 100k combined because that is NOT enough when you factor in student loans, car loans and other loans.
It depends. If you make over 100k & both got scholarships and worked your way through school and bought your cars for cash and don’t carry a credit card balance, you can afford 3-4 kids easily. Especially if one of you is only working part time so you don’t have to pay for daycare for those kids. I do think in their case they only make $50k or so each being full time, that’s not great. Because they have multiple kids in daycare and that’s expensive. If you don’t need daycare or have debt, 100k or so goes much further!!
$500 a month is 25 hours of driving Uber...but then again an extra $500 probably wouldn't be enough.
$2000 mortgage can go, $100k profit. pay the $60k. can be debt free in a month.
Not an american here, can someone explain how some of the callers have medical bills for delivering babies and there is this with 4 children and not a mention of medical bills?
She has a government job which likely includes generous medical benefits. So we the taxpayers get to pay for their medical care, while we ourselves struggle to afford our own. Here in America government doesn't work for the taxpayers, the taxpayers work for the government.
@@coreylindsly6778 Recently retired fed here. I can assure you that health insurance premiums came out of my paycheck every two weeks. Yes, my employer paid a portion of my premium at a similar rate as most corporate employers. Now that I'm retired, I'm allowed to keep the same insurance but now I pay the whole premium.
My guess is that one or both have medical insurance through their job. So I'm assuming that there aren't any medical bills that haven't been paid for.
@coreylindsly6778 government workers tend to be paid at a lower rate than their private counterparts which offsets the benefits.
Most people have employer provided health insurance that often covers childbirth.
Stop keeping up with the Jones!!!
Oh FFS too many kids.
Have them when your older
As a woman, no guarantees. Fertility slows at 30, and then takes a nosedive at 35. They make six figures, they can have all the kids they want.
His pull-out game is weak
u ain't never lied. or perhaps, it's strong, and they would have had 6 kids potentially.
Idk most men are bullied into having multiple children by the woman, his family, and hers. My family tried and failed. My wife got on BC right after our daughter was born. If she wants to get off it at anytime, in getting snipped. But the BC has worked just fine
Life without kids is empty.
@@sitcomchristian6886 Having more kids to keep you from becoming lonely is not a good strategy for anyone, particularly broke people.
I'm a older guy I has one daughter she's 32 years old my ex wife had two kids from another man I'm glad we part way I'm 59 years retired from military I get social security and disability from the military I went to a technical college for heating and air conditioning I don't work now I don't college degree I'm renting now but I'm very financially stable got two retirement plans not much money I feel sorry for this couple because rasing kids cost a money and food is expensive car insurance is going to the roof and everything else just stick to a budget just pay bills that you can and don't worry about the rest
Poor guy, construction is falling off. New filings for home loans are down. Home refi, down. People falling behind, is up. Construction might not be a great option over the next 36 months
That's true but it's offset by the number of people leaving the trade, so there is still a labor shortage.
Swinging a hammer doesn't generate wealth. The guy running the job from his truck makes all the money.
75k over what the house is worth?
Not in 2024.
A house is worth whatever someone is willing to pay for it. I caught that comment too. I was assuming she meant 75K over what they owe on it.
These two are hopeless
✝️💪
Living off other people's money.. which are credit cards to pay your bills.. but household income of $110000.. make it make sense 🤔... but what's so funny..oh yeah this is laughable😂 😂😂
Broke people!!!!!
Interesting point of You!
I respect it though.
I uncreate that decrete for a gazillion times from this family and every family that has been called that!
I DECLARE abundance 💐of all great things.
I declare order. GOD’s guidance and wisdom to manage money and have a vacation with children even if is a road trip and you bring home good .
Woow!!
That’s not very Christian comment!
Who watches 4 kids while they work more hours?
Easy, get a weekend job. 😂😂😂
Side hustle
Come on, parents of 4 children are expected to work 24 hours and sell their car?
100k with 4 kids isn’t much.
Sounds like lifestyle creep and a not budgeting problem.