My Husband Has 22 Credit Cards
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- čas přidán 17. 01. 2024
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Let's face it. The reason many of us click on these Ramsey clips is to reconfirm to ourselves that there are people more screwed than we are. 😂
100%
Yup 😂
Why? Why do you have to read my mind, lol
🤗@@PN-ve9lf
amen
She has a $33k/yr job and student loans of $110k.... college is not for everyone
And All degrees are not good
Americans don't understand that
It blows my mind how many 50yo+ are in 100k student loan debts.
@@o0usf0o A lot of that is interest accrual, that is the problem. When you graduate the monthly payment you pay should be paying your loan down but the issues are with the compounding interest that your payment doesn't even cover and some are worse than others. This is predatory and vicious and this I think is what needs to be taken out of Student Loans. Graduating with 100K of loans should not yield a higher loan balance 10 years later after making all the payments correct and on time. Ramsey's should try talking about this elephant in the room not just telling people, simply pay it off as soon as you can as most cannot this is the reality and must be addressed. They need to address the other issues as well as the system is not going to change and people will always need loans to go to school. Its one thing not to pay it and it hits you but the majority are paying and simply cannot get their balances down.
She literally paid $100,000 for a chance to get a $15/hour job
Dude! I know 65 year olds paying off student loans! These are people who got a masters degree in their 50’s.
Ya know that Presidential candidate Cornell West, 70 years old, recently cited his “student loans “as a major factor in his money troubles.
These people are insane.
“My husbands the problem! How could he be $18k in debt 😭! Anyway, I have $110k in student loan debt but that’s neither here nor there 🤗”
Lmao
To be fair to the lady, credit card debt burns a lot hotter than most student loan debt.
@@RupertMDoc she’ll carry that student loan to her grave in all likelihood
student loans are from investing in your education, credit card debt is from bad spending
@@politcallycorrect5816 maybe… I do know people from when I went to college who bought home entertainment systems and motorcycles with private student loans
She calls to complain about her husband's 18k in credit cards, but her debt burden is seven times that! Talk about being full of crap!
That's the problem. People treat student loan debt like it's optional or low priority, you know, like someone at the White House will magically remove it someday.
No, but the difference is she is trying to fix it. I think they can once they get it together, but at least she had a goal to pay it off.
Bro $110k in student loans, graduated in 2009, and making less than $40k?! No way. Shes got to get serious and fast.
Yeah very true, if you’re gonna do college do something that is marketable and actually work, it sounds like she started and never finished, such a waste of time
She has children, was divorced, had 110k in students loan then met a “jobless” man and decided to marry him?! Huh? WHY
He's probably tall lol
Huh????
Tall handsome and good in bed. She was dickmatized😅
you know, people don't look for spouses as a source of income... maybe you do though
@@xavil6341 I think mentioning the joblessness is an appropriate inclusion to address relationship compatibility (shared goals and lifestyle). Unfortunately, the caller doesn’t recognize that she actually did choose someone who matches her fundamental financial standards.
$110,000 for a bachelor's degree? These people have so many obviously bad decisions in their lives. It's hard to believe they need to talk to Dave about their situation.
Worst decision was having 3 kids with a bum / loser.
@@keithbellair9508She’s a loser too.
When she said 22cc I thought she was gonna say like $90k+
Exactly, most people have 1 or 2 CC and 18K. 22 is insane, not sure how you even go about applying for than many and getting approved.
@@westbccoast I wonder if his credit(score) only approves small limit cc's ?
@@westbccoastevery store has a card they’d love to approve you for
@@westbccoast all it takes is answering every piece of junk mail :-)
Dave's reaction when she just causally mentioned (she wasn't going to mention it otherwise) that she has $110,000 in student loan debt got me laughing. She calls in saying the problem is her husbands 22 credit cards with $18,000 balance (and that is a big problem), but somehow having 6 TIMES that amount in debt is something we can ignore for the moment?
When Dave did his facepalm, he was saying "Even I can't help this girl get out of debt" Dave met his match with this one.
Her:Look at his $18K and 22 credit cards!!!
What's your debt?
Her:$110K in student loan debt.
With that income, why not work in the public sector. Would've probably had a pension as well.
18k on 22 credit cards can be cleaned up pretty quickly by getting organized. It's the 110k in student loan debt making 33k that's going to be challenging. I would be defensive as well if I was the husband. Why are you worried about my little 18k in cc debt when you owe a 100k+ in your mid 40s on a student loan. They got to get on the same page.
I agree his first step should be to get a divorce. Her debt is crazy as hell.
She can always get a higher paying job he obviously is a loser forever
If she is 46 how old is he
Why diminish his debt and go hard on her
She at least has some substance to build on he doesn't
@@ykook7000 lol they both suck. She is 46 with 6 figure student loan debt making nothing, and he’s a 50 year old door dasher who doesn’t want a real job. They deserve each other
@@ykook7000 Her degree is WORTHLESS if she's not wanting to use it. And after 15 years out of the market, it will be EXTREMELY hard for her to get into anything in that profession even if she wanted.
So yeah, her debt is MUCH worse than his.
@@ykook7000 If it's that easy, why doesn't she get a higher paying job? She is not exactly a spring chicken. We don't know if the degree is even relevant. An unused degree is normally considered outdated if one has not been employed in ones field for 5+ years.
She is only making roughly half of the median salary for her age group, and is $100K plus in the hole. Who is the loser here.
I don't feel bad for her. She just married this guy and did zero checks prior. The dude hardly works. He has 22 credit cards. He won't get a real job. She is an adult and she made this decision. She borrowed 110K for student loans and doesn't use it at all. The bad decisions have to stop.
He might not work but he only has $18,000 in debt. She still has $110,000 student loans!
Meh its not the guy's fault. He makes $4k a month and we don't know his family situation
The guy is making $1200 a week, if he's tracking his miles he will be paying negligible taxes , with 52 weeks a year, he will be pulling in about 60k per year, the guy is doing ok and making twice what she makes, as long as he can continue to work he is not the problem
Ya they both need two jobs right now since her kids are out of the house.. pay this off so you can retire debt free and have some peace
She sure wasn't very smart her being a phycologist got hooked up with dis function now she's really gonna go on a psych ride now
Another big reason I got out of debt before I married my wife. I didn't want any of that on her shoulders.
Dave facepalm is hilarious at 3:44
Defeated😭😭
Husband probably doesn’t want to drug test for a job.
Or has a criminal record. Nowadays that's career suicide as far as a W-2 job is concerned. I wish they would inform high school students just how much it counts against them.
Why does nobody ever address the issue of people racking up 6-figure student loan debt on degrees that lead to careers with low pay and minimal opportunities for advancement?
Yep, the problem is many degrees aren't meant to be terminal degrees, but foundational degrees to lead into further education, like law school or a Masters.
6 figure student loans for anything is nuts. Yes many are foundational. But if you don't go further, you are in trouble
@@greggpurviance7252 Yeah, I agree, but potential students should at least do an ROI analysis. The cost of obtaining any 4-year degree from a specific university is virtually identical. Yet, you can get a degree that lands you a job earning a median starting salary of around $80K with high income growth potential (e.g., chemical engineering or computer science), or you could get a degree that would land you a job earning a median starting salary around $40K with low income growth potential (e.g., psychology or social services).
It is addressed cos every 3rd caller on this show demonstrates it
But it's the systems fault remember 🙄🤦
@@ykook7000 just a comment on fault. When there are government backed loans, there is serious inflation and management bloat. That being said, the government doesn't sign up for that loan. No one has to do a buy in to the disaster. That's on the student & parents.
Was out of work for a while because things slowed down at my job. We got down to 2 months savings then my car got totaled because someone ran a red light and hit me. And of course she had no insurance. Thankfully I have uninsured motorists. We bought a $1500 beater for now because we want to get a better car than what the payout will get. I quit my job for a new one. Started at $25 an hour. Trying to save emergency funds back up and need a new car. But was just glad we didn’t plunge into debt.
Recently my wife and I just sold two real estate properties for a total sum of $800k. We plan to purchase a new house next year, the cash is just sitting in our joint savings account. What do you recommend we do? I will appreciate any suggestions.
Certain stocks and commodities are a good hedge against inflation, however you need to know what the heck you're doing or better still, seek help from a money coach/invt-advisor
Concurred. was way easier for me to navigate the markets not until 2020 stock market crash, I had to source for an Advsr to revamp my entire portfolio and hedge against inflation. Concisely, I’ve pulled off around 850k after subsequent investments, since using a coach two years and counting
this is huge! can you be kind enough with info on the coach that guides you please? I’m in dire need of one as I approach retirement
Doing your research will save you a lot of hassle. Monica Mary Strigle is her name and she is licensed.
thanks for saving me hours of researching, I curiously looked up Monica Mary Strigle on my browser and came across her website, I hope I can allows interview Monica myself.
I know being a teacher is tough these days, but get that certificate and double your income overnight.
I just retired from teaching and all I can say is "F" that idea.
🙌 this right here!! Forget the masters but use your degree for something!
I love how people survey the job market in the area they apparently want to live in, AFTER going to college and acquiring the debt. Oh there’s just no jobs for this. I guarantee you somebody could give her the masters degree and she still wouldn’t have a job doing what she went to school for. In the end not going to college has value compared to this. You can’t afford to lose if the career doesn’t come with it. I swear college is sold to people as a false hope in the future. Funded with government backed loans that private banks wouldn’t give out in a million years.
Underachieving is a personality trait. And yes my college roommate never looked into what jobs with her degree would pay before she was about to graduate. I researched that before I chose my computer science major.
@@lynnebucher6537
Exactly same. Wife and both have finance and accounting degrees largely because they aren't terribly difficult and pay well with just bachelor. With annual merit increase and even a few promotions most make 6 figures by 40's and can easily be double that
Degree you chose has even better opportunities.
Basically never Incur any debt (particularly kind you cannot absolve in bankruptcy) without incredibly high expected returns.
Folks like her doing exactly opposite is insanity.
"doesn't like working for someone else". This guy thinks he has all the answers and is probably uncoachable. Sounds very stubborn and committed to his ways
That isn't the problem he married someone with 110 thousand in student debt is moronic. She should have been nothing more than a side chick or girlfriend at best. He isn't the problem she is under working for decades.
@@chattingman6777 I did actually write that comment a bit early before I found out she was 100k in debt for psychology. I honestly feel like her part is probably worse!
@@chattingman6777let's just come to the correct conclusion... they're both morons
Why? Not everyone likes to say yay boss. In light of cronyism, do you know how common it is for people to work for incompetent bosses, who makes their lives hell on earth?
@@sblijheid If you don't like having a boss, then you need to have a viable alternative to support yourself the rest of your life.
I just paid off my first credit card and cut the card up. Never going back!
@liloppo
Me too! Congratulations!!!!❤❤❤
Nice! I paid my CC off in 2014, and never got another one.
But your missing out in 2% return and $100 annual fee
@@MrJimmy3459 the 2% return can add up if you pay your balances every month before interest is applied, but the annual fees are bullshit
@@MrJimmy3459 lol 😂
I like how she bashed her husband starting off when she has 10x the debt but she started off with 22 credit cards to sound worse
Exactly that is one sign of a feminazi
My ex had about 20 credit cards in my name and it took me an additional 10 years after our divorce, to pay all them off. He maxed them all out. It was rough.
However, my 2nd husband and I have been married 10 years and are completely debt free including our house is paid for and no vehicle loans whatsoever, zero debt. We are living well. 😅
Why did you let him do that??
Geez, he should have been assigned some of that debt.
Why are we shaming the husband's choice of work when he makes almost $60k a year with $18k debt. The wife makes $33k with $110k of student loans! Car maintenance would not be nearly as much $60k 🙄. He needs to pay off those credit cards in a year. She needs to start doing some Doordash to bring in more income!
He may make 60k but 25k is gas, insurance, and wear and tear.
He Makes 33k after gas and taxes
ABSOLUTELY
@thomaspiscitello7330 He would have car insurance expense whether he drove for doordash or not so that's a nonitial and your numbers are way off concerning the amount of gas. And wear and chair on the vehicle . You're also not taking in consideration tax rate offs.
@@TheTbabylati She makes $33k, not him.
Husband is lazy, wife has no ambition, doomed to stay where they are if they don't get it together.
this is why i stay away from credit cards
And think about how this generation will be when they hit old age.
destitute..@@musicman7297
Then you have the guy who has lamborgnis and has to pay his wife for everything or she will divorce him
@@angel-ij4xv even with no credit cards you can't make a living with Uber. It is a teenager job or part time extra after a full time job.
He probably got a discount for signing up to a credit card like Lowe’s, Home Depot, Kohl’s , etc.
Wow, could not afford to put a battery in his car? Just sad. She is terrible with picking men to spend her life with. Picking the wrong person will destroy your life.
She destroyed her own life with $100K in student loans to get a low wage job, and letting those loans linger for 15 years and accumulate interest.
I'm a recently retired marketing professional and would not have hired someone whose sole academic credential was a Psychology degree.
May as well be Left Handed Underwater Basket Weaving😅😅😅😂😂😂😂
Maybe coupled with hard skills from jobs?
@@cindymann3673Speaking as a recent Psychology graduate, they do not give a fuck about that degree unless you are going into counseling or therapy. So the hard skills you gain from research assistantships and mental health care positions are ultimately the biggest benefit
If you want to feel better about your financial situation, listen to Dave Ramsey
In general, this is a reminder for all of us to stay away from credit cards and bank loans. Use to have a mortgage. Now I live mortgage free for 4 years already, and I tell you that feels awesome❤❤ find a way to get rid of the mortgage asap. Half of my income was going to the bank :( and I was fed up with that and took action.
I wish everybody the same and debt free in you lives.
He likes to do it on his own but he’s not on his own anymore. He got remarried so what he does affects THEM.
This was refreshing to hear! Welcome to the real America people 😅
"Is he currently using credit cards?" Hahah, it's a drug. Gonna learn about debt in DARE class now.
She knew what he was making when she met him. I have no sympathy. At least there was no bait and switch.
She also said she want to buy a house. It's worse when you don't know what you don't know.
We repeat what we don’t repair.
Now ma’am you should’ve known better than to marry that. 🤦🏾♀️
Marriage is a drug.
He’s losing money doing uber and doordash? Then why do you recommend it to every broke person that calls in?
I think they recommend it as a second income or a temporary job.
Ellie Mae was so desperate for a man she didn't think through the whole process. Perhaps she should of counselled herself first.
He married a woman with $100K debt, who is the desperate one here?
* Should have 😉
"Should've".
HIGHLY doubt she’d find a 90k job with her degree, background, and age
And drive.
YEAP, WAY too many years out of market. Her degree is almost worthless if she doesn't update with a masters.
Yiiiikes. Can't wait to hear how this goes
Man. I feel bad and feel like a loser. Then I hear a story like this and all of the sudden feel alot better
Don't even think about defining yourself that way. You are descended from the heavens. You get to choose how you will proceed in life.
I think that’s why so many people watch this stuff to feel better about themselves
@@americafirst9144 Yes on new cars and credit cards. I need Dave Ramsey ... but thankfully do not owe as much and have more income without a 100k student loan. That still does not make my actions mature
😂
Sounds like neither of them has much ambition . Good luck with that people 😂
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good?
Thanks for the efforts you put in these. I found her and i leave her a message i await a response
Scam
I feel ya, Dave. I'm head-palming the more I hear this. 😖
How can anyone in their right mind be able to manage and coordinate the monthly bills on 22 cards?
Autopay, an app that aggregates all your accounts, and enough financial responsibility that you're not living paycheck-to-paycheck.
He's a helluva juggler!
At one point I was married to a guy somewhat like this only thankfully not 23 cards. Within one year of marrying him along with a mortgage and a car we had $42K in credit card debt. The harder I worked at paying them off the more he charged. When the monthly minimum payment was $1100/month (I was bring home $1800/month and his fluctuated but on average about $1500/month) I told him he could not use any of the cards and he wined about me emasculating him. I decided to divorce him as I saw no future with a man who didn't care about the rest of the family, he wanted what he wanted. I got divorced and was able to pay off all cards that had my name on them. He didn't bother paying off his debt, he went and bought a motorcycle that I don't think he ever got it going!
That's what I was wondering.
It's called autopay.
Daves look says it all
$110, 000 in student loans 🤦🏻♀️
And only making $33,000!
For an undergraduate degree only!!
Groundhog day
This happens all the time
Yet it's the systems fault apparently 🙄🤦
110k student loan and she doesn't have a masters. How do you owe 18k on 22 cards?
How do you have 22 cards?
I don't get it!?😮
I have 8 credit card and $5,000 of free vacations each year. 4 rentals, 600k in retirement at 42. Love my career. Don't run with scissors.
You’re killing it💯👍🏾
She married an Uber driver and he married a woman with $100 in student loans making $30k. Two clueless people who undoubtedly going to be broke in retirement. Sad.
Somehow they found each other 😉 this is a good example law of attraction, right 😉 I hope they figure the issue out. They need a financial advisor. I see a business opportunity here
"From his previous marriage" lol. So he's been charging credit cards for a LONG time. 😅😅
That averages out to less than $1000/card. This isn't as bad as it sounds. Just start paying off the ones with the lowest balance first and never eat out or go to Starbucks.
You don't think he has an income issue? Why use the cards when one already has money?
The number of credit cards doesn’t matter. It’s whether you pay them off or not.
Agreed but 22? I can see maybe 4-5 but 22 is nuts. I wouldn’t be able to remember or keep track of them all
Getting out of that much debt given their backgrounds, will be difficult to do just by themselves. Some encouragement, direction and guidance from a group will be huge for them. My only concern would be the husband, will he put his ego aside and work for someone else
She could doordash at night herself.
@@sblijheid if I eas her, I would, at least until I could get a better paying day job.
We can blame the "system" all we want, but this student loan thing comes back to people signing on the bottom line to take out loans. There are several ways to never go into debt and several more to minimize debt. However, they all take planning- acting rather than reacting. Military (I did this and paid for undergrad), community college (also did a bit of this and my daughter is doing it now), putting off college to work save or sitting out a year to work and save (my sister did this). Trade school rather than college (my son is doing this) There are plenty more beyond this. I did take out some loans for law school, but in the end, it was the equivalent of a base model Camry (which was paid off quickly) while my cohorts were taking out McMansion-sized loans. We dig our own holes, but we don't have to.
I worked my way through 4 years of college doing on campus jobs for the college as well as typing term papers for guys, etc. But that was almost 50 years ago.
@@gailrodgers3079 Well but that is part of the problem. The further back we go the more affordable some thing were. I was able to pay my 35K loan off in 5 years from 2009 to 2013 but today making 40K which is twice what I made back then I can't currently pay of 35K!!!!!
I did not realize there was a speed running category to get so many credit cards. Idk if he got the world record, but wow, that's crazy. I'm shocked he does not have more debt.
I'm pretty sure I saw a Ramsey video where a person had 30+ credit cards, years ago.
I think it's called "I have 35 credit cards, how do I pay them off." The video is like 7 years old.
Sheesh...I thought 22 was a lot
I had a good 15-20 cards due to shifting my husband's debt to the next one offering zero interest for a year or so. Back then there was little to no cost to transfer the balance. I never allowed him to add anymore debt but it was a long 4 years getting him to pay them off. I closed most of them after.
Had to check to make sure it wasn’t my wife. 😅
Now I understand why some people ask to see a credit report on a person they are in a serious relationship with.
It’s like boating on the river. You’re headed for the waterfall, do you turn around or crash the boat over the waterfall? Change the debt direction to less debt now.
I'm astonished that people can rack up that much student loan debt. I wonder what the thought process was....unbelievable.
My little sister is like that: $150 k in student loans. Good Luck!
I have one CC only for online purchases, and pay them off soon as they post. You don't have to wait for the statement. The single purpose is to protect banking and debit card info. I am very disciplined, if I don't have the cash, I don't buy.
Reminder to self: 'Don't settle for just anyone just because you desire a relationship/marriage. Even better reason to wait it out for the right partner, God's best!
You are absolutely right, unfortunately some men have to settle for underemployed women with $100K plus student debt. God bless.
Better yet, just dont get married. Problem solved.
I certainly wouldn't have picked him for a husband. I'd I was a man, I def wouldn't have picked her
There's nothing wrong with doordashing. Just don't do it full-time. It's a side hustle not a way of life
Even as a side hustle, it needs to be treated as a business.
Dave’s the man!!
I’m praying for them 🙏✝️💯
How do you have a Bachelors in Psychology and have $110k in student loans!?!?! My husband has his LPC and he took out less than $20k between his Bachelors AND Masters!!
The aye-aye-aye took me OUT.
😂😂😂😂😂😂
So why did you marry him? shaking my head
??????????😂
Marketing is a super competitive field
"Why is he nor working?" because Door Dash is not a job. And her $30K is what an entry job at Kroger pays.
“Single mother of three” it was at that moment I knew things were not going well.
Agreed. Of course, single means not married. It doesn't mean she does not have help raising the children. They have a father.
This is why one should NEVER share economy. NEVER. Each one pays for him- or herself. Married or not.
Every person I know with a psychology degree is a middle age woman who is still paying on her student loan debt and working in a field that doesn’t require a degree.
Only choice is sell the house and everything you have and move somewhere she can use her degree for income. Her husband has 22 credit cards and turns out she has the bigger baggage
22 credit cards would be a lot of snowball rolling. Should be able to start knocking that number down though!
110k in SL but only making 30k in salary. Horrible ROI on this. And dude needs to get a real job asap
3:44 I burst out laughing at that reaction. Dave is the funniest.
110k in student loan debt and 36k income?? She complained about her husband’s 18k in credit card debt and 22 credit cards. But her student loans at age 46 and that income will never go away. She will work until she dies. Social security check will garnish because of those student loans not paid off
Right? These $100k student loans are the most irresponsible thing a person can do unless you get a job that’s over $400k
If she leaves him she can recover
NEVER MIND ...GET A NEW TRUCK!!
Interestingly, so many callers start the conversation with comments like "I'm doing great".
Where does "doing great" come in when you're calling Dave because you have a husband with 22 credit cards and a Door Dash job, 110k in student loans, and a 33k/year job?
Additionally, she notes she can't get a good job with her degree because lives in Louisville, KY (the largest city in the state)?
She really knows how to pick em. An Uber driver who can barely afford his life while being critically in debt. Good job!
Ikr 😂😂😂
Makes me wonder if he married her for a place to stay.
He was making $1200 a week driving uber. She makes $33k a year and has over $100k in debt. Makes me wonder if she married him for a place to stay.@@alicef128
😂😂😂😂
Noooooo you cannot hold women responsible for their poor choices in partners!!! It’s all a big surprise to them and it’s always the man’s fault! Don’t you know anything?!
Match made in heaven they both have no drive to do better their lives
She spent $100,000 on college and didn’t even get a masters??? Something is up here, why did she overpay this insanely for a bachelors degree?
Dave rants awesome! Both wife and hubby have issues to work through. Can be done. All one needs to do is follow Baby Steps step by step, worked for me and paid off all consumer debt, $100k plus, in 19 months.
Well but maybe not since she does not make much money to start off with. Also the are in debt for reasons already.
I have a lot of credit cards but I am not using them. Do I start canceling the cards or let the companies cancel them for non-use? I know either can lower my credit rate for the time being. Any advice?
I’m tired of grown dudes making zero money saying “I just want to work on my own.” But not have any money
Dave's final reaction is basically what I would do.
That amount of student debt, for what? She didn't even follow through and is working in customer service which is near the lowest paid field on average. I am in IT and graduated without debt. That college took advantage of her charging her that much for a degree that doesn't pay without Masters, and she let being taken advantage of.
$110,000 in student loans and working in fast food.
I’ve taught my kids that debt is to be avoided. Credit cards are the worst of all of the debt choices. Why haven’t parents all caught on to this thought yet?
Amen! I preach this to our kids
Well it’s good to have to build credit. You just need to able to manage it properly and try not to overspend with it
@Kayla-hs9rt credit is nothing. It allows you to get in debt and nothing more. Pay for things, don't borrow and pay.
Which is why I pay them all in full as soon as they post@@RichardPatrick84
Is it any shock that the people who set-up this crap system arent smart enough to manage their money?
Title alone dropped my jaw. Three kids (now out of nest?), 22 credit cards with $18k debt, PLUS still owes $110k for financing an undergraduate psychology major degree AFTER 15 YEARS! Criminey - hubby does Door Dash at 50 years old? If nothing else, this should scream the ridiculousness of majoring in subjects that should be electives at most and hitching one’s wagon to low-ambitioned significant others.
Cut every card up, pay every one of them off, double down on the school loan payments, and live on rice and beans. Too, hubby needs to pump gas between dash stints to pay household expenses. What’s sad is that they have to do it nearing retirement age.
Edit: I while I agree with Dave that only a master’s degree will make the caller marketable in the psych field, I think that ship has looong passed. She’ll NEVER break even if she needs to finance it - and would be throwing good money after bad. Her efforts would be better spent hunkering down and working full bore at any job or job combination she can get - whether waitressing or pumping gas herself.
In this case, a consolidation loan for those 22 credit cards would be a good idea so he can put it all on one payment. He's probably getting hit with late fees frequently because it's hard to keep track of that many cards and their due dates.
Don’t forget sell your car
In my opinion any degree can be made into something but unfortunately that can usually only be done either right after graduation or with an addition of a masters degree. But you need to be able to pay for it. We do need psychologists so it’s an important major but you need a masters to get a good job usually. And with her student loans I don’t know how she’d afford it.
They make it seem like people who go to college are smarter and well off but these calls prove otherwise.
Not in America everyone goes to college remember it's normal
Stupid people are in all walks of life regardless of education status
You married a rockstar!!!🎉
Well, she's a lazy groupie.
She makes no money and he has no work ethic and too big an ego to “work for someone else”. That’s a bigger problem than 22 credit cards.
3:07 _best comment from Dave_
46 with 110k in student loans is unhinged.
I had 15 credit cards once. They'd send me offers in the mail, offering me $200 or $300 or whatever if I applied for their card, I said sure, charge enough to get the free money and then apply for another card. . After I'd made about $3,000 doing that they started turning down my applications 😆😆. The problem is I'm what credit card companies call a "deadbeat", someone who pays off their balance every month 😂😂😂.
Only with credit cards a deadbeat is something you want to be.
Have you canceled any?
@@cynthiacynthia2390 They cancel themselves if you don't use them. Right now I have five active ones, but I got a notice today that if I don't use one of them by April they'll shut it down.
@@cynthiacynthia2390 They cancel themselves after not being used for a few years. I think I have five currently.
@@cynthiacynthia2390 They cancel themselves if you stop using them. I think I have five active.