âYouâre Like A Recovering Alcoholic!â
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You can hear the lack of urgency from the caller. Scary đš
the fact he was hemming and hawing about his 30% drop in income that's already happened + the impending layoff and is going to start "maybe this month maybe next month" looking for a new job said it all. and his wife doing ANY sort of work as she's now 55 years old literally blew me away.
Sounds like their son is the only smart one. Good he referred them to learn more about financial responsibility.
How can he sleep or even breathe!?
I am working at 65, and will continue until my mortgage is paid off, my final debt. I didnât even start FP until my late 50âs but it works! 55 is not too old to work!
Jade is the whole package. Love the segments sheâs in.
Wife is too old to work at 55 LOL As Caleb Hammer says theyâll be âdying on the Walmart floorâ.
Taquitos đđŸ
They are NOT credit card people đ
I'm 65 and I want a frikkin job!
I used to work there in high school and college. There were literally people working there in their mid 70's and early 80's.
Iâm
38 and too old to work
If my company announced it was closing down, I'd be looking for a new job yesterday.
Even as a sought after nurse, I still pretty much look at postings everyday and prepare a few resumes. The moment my boss announced they were terminating our work-from-home roles and wanted us back in the clinic, I had very little time to grieve. I immediately applied for jobs in a couple of hours. My coworkers were still devastated and did not apply until weeks later. đ€·đœââïž
You donât retire when you are some magic age or some event happens. You retire when you have the funds and situation to enable you to live a decent life.
đŻ â€
100 pct.
Right - retirement is a financial goal and not an age. I know people on SS that thought it was an age, and guess how well their "retirement" is going?
đđđđ
I heard his voice and his tone and thought he was in his 20s with no life experience. The answer is work. Lots of it.
100 percent agree. There are always side hustles to be had. Always.
Jade is growing me every day; love how she gives it to people straight and holds them accountable.
She is like Dave's mini chihuahua.
@@John3.36She's always been a straight shooter. It's her personality and the reason she and her husband have been able to accomplish what they have.
@@chocolateangel8743 Whenever she is on with Dave she just parrots him.
@@John3.36 I get what you mean, but you also have to remember that she is new, and it's not uncommon for personalities to be kicked to the curb.
Jade is amazing! Iâve loved her attitude since day 1. AND she lived this life! She walked these streets and her and her husband changed their lives and now are changing others. So awesome!
How the hell did he get approved for a $1900 mortgage only making $50k?! That's 45% of his gross! đ€Š
FHA loan most likely
That's my question đ€Šđœââïžđ€Šđœââïž
Before his wife âretiredâ?
"You're not going to have a house to put you couch in"....great line! George and Jade are great!!!
The wife sitting her azz on that couch is the reason they're in this mess.
The caller said that his wife was a nurse. She can go back and work part time as a nurse and help increase their income. Hospitals always need nurses.
Lots of nursing opportunities even outside hospitals. It is a career with the most diverse and abundant opportunities.
She doesn't even have to work in a hospital. I haven't worked in one in 20 years.
An educated woman mooching off a some you buck warehouse worker. Something strange about that.
She could do travel work half the year and rake it in! She could do hospice nursing. She could do school nursing. There are nurses that work telehealth! There's plenty She could do. Prisons are paying top dollar, they're desperate for health care staff.
@@christinebutler7630yeah but what about those kids? Who is going to be taking care of the kids while the wife works? They will need to find a daycare.
My brother and his wife filed for bankruptcy twice. They make 175k/yr combined.
Fast forward 5 years later, they maxed out their credit cards again.
đ€Šââïž
Why are they re'tarded?
Do they have kids, cuz $175k ainât as much money as you think
These people suckâŠavoid them at family functions and call them out for scamming the system
Lol. Smart ones ah?
"She's old" OMG that killed me! Lol!
I canât believe he claimed his wife is âoldâ in her 50âs ! That is a cop-out! They both are terrible, trying to keep up with the Joneses! Buying a house full of new furniture for what?!! With a lazy wife & trifling man who is sitting around charging credit cards to maintain their fake lifestyle and waiting to get fired! His wife is a nurse and can get so many types of jobs in her field, including working at an insurance company as a nurse case manager and approve authorizations for surgery & procedures, that can be remote and desk job. They are going down the rabbit hole of bankruptcy & foreclosure if they donât change how they make poor financial decisions! I donât understand why he called, what was he expecting them to tell him?!! đđ€·đŸââïž
George's face đ
â7:25
đđđ
I love Jade "She's not old! She's not old!" lol no kidding!
Jade is so talented. All the Ramsey personalities are, but she's a great addition. What a quality team! Credit Dave for building a legacy organization. That's not easy, not at all.
I started a new job at 53 after staying home for 14 years. The big recession hit and we had to sell our business off piece by piece. It was the best thing that I ever did for my family. Our retirement isnât the one that we had planned, but it works for us. We remained debt free through our huge setback by careful planning and hard work. There is always something that you can do to earn money. The wife needs to step it up and so does the husband.
100 pct agree. great comment.
â@@chrisengletx Absolutely!â€â€â€
What recession?
â@@sendit32512008
@@sendit3251 2008?
And here I am at 53 trying to get a second side hustle while working a fulltime job, and I don't have any debt.
Proud of you.
Love your hustle.
Sound like you are quite privileged. Do you know what it is like to struggle and survive? A lot of people are suffering out there and donât know where their next meal is coming from. I have no idea how we will get through this.
@@costco_pizza no privilege here, never had it don't know what it means, I literally lived out of hotel motels and van in the 90s while I worked, even moving back in with my mom back then to survive. I'm not a home owner and don't drive new cars, I became my own personals mechanic when my cars would break down since I couldn't afford to pay someone to fix them, and I still do that.
@costco_pizza - yes we all live in the same economy right now. We are all feeling it in one way or another. The difference is some make excuses, and some make moves. You sound like an excuse person. Gotta get out of that to get ahead.
God bless.
The moment he said they are living off his wife's credit card, that was the signal that they are headed to bankruptcy again
Debtor's prison should be reinstated; bankruptcy is just too easy.
â@@tdgdbs1those still exist in some regressive third world countries. You should move there.
Even as a sought after nurse, I still pretty much look at postings everyday and prepare a few resumes. The moment my boss announced they were terminating our work-from-home roles and wanted us back in the clinic, I had very little time to grieve. I immediately applied for jobs in a couple of hours. My coworkers were still devastated and did not apply until weeks later. đ€·đœââïž
No wonder the kid talked about Dave Ramsey. Having people like them as parents can be devastating. Very soon the kid will call to ask advice on how to help parents that are irresponsible with their money and put the strain on their children. Iâve been there. It sucks to have parents that rely on their children when they get older.
Unfortunately, I'm sure there are millions living like this.
As soon as you think you are going to lose your job, you start looking. YOU DON'T WAIT!! That is crazy.
LOVE the advice. This guy needs to be on a cash basis. Cars and furniture and the worst things to buy new.
Yes, for sure. Or at least a side hussle if you're not certain a layoff or firing may or may not happen.
Life of bad choices not likely to change! I'm 64 and still working very hard! I have a physical job not sitting behind the computer! How do they qualify for anything? They are not ready to make changes!! Sad!
Can you imagine the interest rates??
Yeah, I am guessing at least 20%. Horrible. If she can't work, she needs to be on disability. If she doesn't qualify, she needs to work. Working with an illness isn't ideal but sometimes you have to do what you have to do. He needs mental counseling as much as financial counseling.@@ramonaearnest4709
I had $53,231 in credit cards and a small loan 3 months ago. Currently I have it down to $37,000âŠâŠI didnât file for bankruptcy. It annoyed me when people doâŠ..suck it up, work 95 hours a week to get it done, eat Ramon and deal with your freaking debtâŠ..it is YOUR problem. YOU made this happen. YOU need to clean up YOUR mess. 55 is not âtoo oldâ to work. This is absurdâŠ..come on snowflakes get to work and deal with your messâŠ.itâs your problem, enough with the bankruptcy to get rid of itâŠ.such a weak way out. Unreal.
Wife can definitely do teledoc nursing or TONS of insurance companies use nurses for claim/disability benefit reviews. Lots of remote work out there.
Filing bankruptcy for this guy is a classic example of treating a symptom and not the root cause of the issue.
It keeps getting worse and worse as they ask more to figure out his situation. Seriously: credit card debt again, bought a $200k plus house we soon as bankruptcy ended, low pay, about to be laid off and not even started looking for another job, wife doesn't work, no savings. They have the patience of a saint with him.
He had no repercussions when he filed for bankruptcy; therefore no lessons were learned. He wants to file for bankruptcy again and get away with his childish decisions.
He is a prime example of why bankruptcy should have financial ramifications for years more. Like legally absolutely no credit Of any kind for 15 years.
There should be a cap on how many times people can declare bankruptcy.
I don't think there should be, and the reason why is this: the companies who extend the credit do so willingly, knowing there's a decent chance they'll never get paid but they choose to do it anyway. The only people who lose out are the creditors. The simple fix is don't extend credit to someone who declares bankruptcy. But if lenders want to be stupid, they should be allowed to be stupid and reap the results.
.
Even though bankruptcies fall off the credit report 7 years after they discharge, you can still require someone to answer truthfully if they have ever filed bankruptcy. If they lie, that would be perfect grounds to deny credit. You can research court records fairly easily and find if someone has ever filed, even if it's off their credit report.
Yes, zero
55 is not too old to work...but it is too old to have the excuse of having little kids at home. She needs to WORK!
I'm 73 and still working. No sympathy here.
Alright Donna way to go đ
Life is hard....it's harder when you're stupid
đ đŻ
May God bless your bank account
Cheers from wyoming
Some callers are hard to root for.
Man I missed the memo, I could have stopped working 4yrs ago đ
This guy is not going to change unless he gets into serious counseling. He has to rewind decades of bad financial behavior.
Jade is clear and no nonsense. I really respect how she deals with people.
I've been listening to the Ramsey show for nearly 20 years. The type of caller has changed quite a bit over the years. Guys like this used to be the typical caller, before 'Dave Ramsey' became a household name. Now, it's more of an echo-chamber of people who are either debt-free or pretty far along the baby step process. The "totally upside-down" callers simply don't call in much anymore. What's terrifying is that this guy is a whole lot more "normal" than people realize.
55, old? No way! I'm 51 and getting back into the teaching field. I hope to teach for a long time. Mindset and perspective!
Why is this lady not working to help her husband? She is a nurse and they are filing bankruptcy? I do nursing recruiting for my friend, nursing agency , I learned there is an area in nursing called telecommute / remote nursing. I am a major supplier to the nursing sorority In America, so many of my customers retired and are working from home doing desk job. 55 years old is too young to retire from nursing when you are in debt? If this lady goes back to nursing , in no time their family will be out of the hold. I feel sorry for this man.
Too old to work as a nurse at 55? I'm glad somebody told me. I just got one more year to go. Whoop-whoop!
Wow, đą two more people that will die on the walmart floor.
His wife was in an industry where she could make a good income but wants to sit at home
ExactlyâŠ. She could easily be making $85k annually as a nurse
You can make upwards of $5k-$10k a month delivering pizzas and mowing lawns. This couple needs to get out there and go after their goals!!!
@@jayeleeeyep!! How do you become a nurse but donât have a clue in the world đ€Šââïž
Lazy,Lazy
At the very least she can work per diem which allows her to make more money !
She's old đđđđđđđ
55... I can't đđđđđđđ
At $55K of income, the most they can afford in a home payment is $1,000/mo and they're paying $1900+. No wonder they have all that credit card debt. There's nothing left after they pay their mortgage. If they want to keep their home, his wife needs to work and they collectively need to get their household income over $100K.
Yes! And how did they even get approved for a $200K mortgage on such a small income? đ€
My aunt is the same way. 55, had some knee problems and thinks she cant work. I keep telling her to be a bank teller. They sit on a stool all day.
đź.... speechless.... SPEECHLESS!
His wife reminds me of Gen Zers saying "I won't live past 30, there's no point in saving for retirement."
Actually I see lots of initiative by the young ones in my life. They seem to recognize the world is not easy and seem to be more savvy about finances than I was at their age. Of course thatâs not universally true but there are some good ones out there
âMy wife is oldââŠsheâs 55âŠ
Me, turning 51âŠ. đą
I'm 52 and consider myself old.
I'm 58 and work 2 jobs and go to the gym afterwards. They are just making excuses for her to be lazy!
Hope she wasn't listening to the call đđ đ đ
I got cancer at 55, missed a year of work, spent 4 weeks in a coma and I'm back at work. Will be for another 10 years.
@@Gottaknow You just know the blacc chick is into white guys lol
Sell the wife
Some people can handle credit cards, and people canât. This guy definitely needs the Ramsey plan. Lol.
He needs a wife that works.
@@blackworldtraveler3711 yeah, that wouldnât hurt lol
HE needs a wife that works, sell the house and cash only.
Baffles me with the economy the way it is and someone like this is able to buy a house? Insane. Had $50K in credit card debt, went bankrupt. Bought a house on $50K income with a $1.9K monthly payment and has no savings? How?
Crazy
Exactly. Thought the same thing.
In all fairness the housing cost depends on where they are in the country. But I agree that having no savings and a ton of debt was stupid
Banks donât care long as the money keeps flowing. This guy is a grain of sand on a beach of junk loans.
They most likely have a 30-year note (95% of all mortgages are 30-year term), and possibly either an adjustable rate that is still at the lower teaser rate and/or an interest only loan.
How old is the guy?! It sounds like he married a woman at least 20 years his senior.
I hope he just has a young voice đ
55 is not old. Look at Salma Hayek!!! People retire at 65 with years of productivity left.
It's scary to have parents like this.
I wonder how old he is to refer to her as old
That's what I want to knowđ. 55 is not old
Too old? I'm 62, work and work out and feel pretty damn young? What the heck?
There is a big difference between being too old versus being too lazy.
I would've loved to see Dave's reaction when he said 55 is old!
Love George and Jade!
Yes!! I love when Jade gets fired up
At $35k they are Lucky if they can even cover their $2k mortgage payment. Other than pure stupidity I call pure laziness đđ»
I work with a 70 year old nurse. Stop being lazy
I absolutely lost it when he said 55 đ
You want to know the most common question I heard from clients in the bankruptcy clinic?
*âHow will I be able to rebuild credit?â*
That is FACTS! There are seminars on how to rebuild credit! Seems Ford is their favorite for getting a new car.
Turning 55 the best time of a womans life. So liberating. Js
This call was wasted effort. This guy knows he's going to get laid off, but hasn't started looking for another job. His wife doesn't work but is capable of working. They're in a bad situation with $38,000 in credit card debt on a $35,000 household income, and a mortgage that cost $23K/year. They can't cut up their credit cards because they need them to buy food. They're looking for an easy way out and Ramsey advice isn't it, but even bankruptcy wouldn't fix this. The only way out is to increase income. I can only assume they got the mortgage and the credit card limits while the wife was still working, then she stopped and they just thought they could somehow make it work. I understand their son's frustration.
Bankruptcy doesn't fix the people in the mirror. Just makes life more expensive for the rest of us.
Yep she could be a sitter in a hospital for $20/hr. Just needs a clean record & a CPR card. We are so short in hospitals right now. Itâs called being lazy. đĄđ„đ If she is really a registered nurse she could make $80k/yr now.
By his voice and decisions, I thought he was 20 years old. Unless he is, and with a 55 yr old with every excuse not to work.
I think he is the son calling on behalf of his parents trying to sound as if he a was the father. He sounds very young!
When bankruptcy allows delinquents to walk away with tens of thousands of dollars, wheres the penalty?
Jade throwing some real advice! Like her style of communicating it too. It doesn't feel restricted. Good stuff!
You cant help people who dont want to be helped and are comfortable putting themselves into debt and dont have the motivation of getting out of it.
They're going to lose that house they finally bought. And something's missing here about the wife not working. 55 isn't old, but the husband isn't explaining.
Jade looks so cute and young with her hair up like this
Creepy simp behavior. Go outside and talk to women
Good sir, I have arthritis, a stroke, a subarachnoid hemorrhage, and Lyme disease. But I still work as a nurse. She needs to start working
Jobless woman with credit cards? No way! Never happenes ever.
This is what happens when you get the latest car and Iphone every year and eat out all the time.
No this is what happens when the household income is only 50k
@@reese85 đđđ savage
Yep 50000$ income wont even cover a house payment and food
@@reese85 Yeah. If they pull in $500K they "might" be ok with that kind of spending but $50k? Forget about it.
"Like a dog that returns to its vomit, So is a fool who repeats his foolishness." - Prov 26:11
Sometimes I dream about Jade and George swapping hairstyles and it makes my day
Thatâs weird but whatever floats your boat
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Jade is the future of this show after ramsay...she is so energetic and full of good advice!
@@WeBeatMedicare6969 If you came to the CZcams comments section looking for normal, you're in the wrong place.
đđđ
This is a troll call... "My wife is old" lol right there new it was a fake call
Dude just says the name of the company and his name on a national show lol...
Love Jade telling it like it is; when does she get her own show?
wowzers. they dont need any credit cards. i thought i was bad with them but this just gave me light
The wife is lazy. Nursing is the most flexible job and the nursing job vacancies are very critical. She can apply as a case manager and work from home, or telephonic nurse, or outpatient (she can earn $85,000/year or more with that). There are sooo many nursing jobs, and 55 is NOT OLD at all! I am 50 and I am planning to retire after 20-25 years. I have plenty of co workers that still work in their 70's. They need to change their mind set and work harder.
She may have gotten tired or had burn out from floor nursing. There are options, it starts with the right mindset.
@@yolandabundrage6650 all true, its the mind set.
You are absolutely right! She found a husband who has excepted her excuses. Sounds like neither have been motivated to better their circumstances. The son did them a favor to point them to a good source of information. It's up to them to turn their life around before they become poor when retired. The son doesn't want them as a burden if they continue with their current bad financial behaviors.
The bankruptcy doesn't hold people accountable and approved for a $2K mortgage on a $50K salary???
I get what the caller said about his wife's issues. You can't just go get disability because your knees hurt, but having mobility issues *because* your knees hurt disqualifies you for a lot of jobs including low-level jobs like working at the Dollar Store. I'm in the same boat, but I'm lucky enough to have a job in front of the computer all day. If the caller's wife was a nurse, something like tele-nursing could be perfect for her.
My number one rule when it comes to credit card they are NOT an extension of your wallet but to purchase stuff that you can afford
âSheâs oldâ đđđđđ
Wow, so much wrong with this call. Low income, laziness, no urgency about their situation, repeating the same mistakes they made previously. They are a lost cause. Next caller.
Most of dave ramsey lately is shining light on lazy, entitled people and i love it.
What do you mean sheâs old đđđđđđđđ€Ł
These people just drive me crazy! Good for you Jade and George for telling him the way it is...very frustrating!
I think this is one of the main reasons Dave doesn't suggest bankruptcy...it's a quick fix and you don't learn anything...gotta feel the pain of sacrificing and paying off debt to learn anything and never doing it again!!!!
This is like a person who retires at age 60 with only $100,000.00 in the bank! What are you thinking?!
She is a nurse and only 55 my wife is 68 and plans on working to 7I still work full time at 70. These people need to rip the credit cards up especially her. She is just being lazy
Man these people are screwed. Gonna be living on the streets in 5 years.
The wife has a credit card and no job? so what she just borrowed money with no intention of repaying it? that is peak irresponsible behaviour
Gosh, Iâm six years away from 55. I donât feel old at all.
Ive just started a partime job at 66...and i have 2 pensions
Filed bankruptcy and still didnât learn the lesson. SMH. And then the lukewarm response to these two telling them the truth. Theyâre not serious or ready to change. Bad decisions are a choice. They want to be able to keep making them and not have the consequences. Thatâs not what ADULTING looks like!!
Responsibility. Stop spending. No lifestyle. No one will do it for you. It's up to you. And your wife can always work in an office setting where she can sit. Here's a thought - with her medical background as a former nurse, she might work for a personal injury attorney, screening cases for potential litigation. And 55 isn't old!
55's the new 30. Shes got 20 more years in the tankđ
55 old? Good Lord. I'm 55 and will hopefully be working for another 12-15 yrs. I'm not giving up.
Jade is getting better and better on every episode