This lady is clearly overwhelmed as anyone would be in her situation. Jade your tone of voice was caring and both you and Ken gave her a solid path to follow. Good to see you Jade, good work with Ken.
Quit buying stuff she can't afford. Curse lifted. She could make more money working at Wal-Mart. Also she said she is "close to retirement"?? She is 46.. She has at least 20 years of work ahead.
@@jamieh9253I think what they were saying (in a less than compassionate way) is that you can't fix 18 problems at once, and this lady has them all. You have to: 1. Analyze 2. Prioritize 3. Execute Analyze: First you need to figure out all of your debts, bills, and expenses. Make sure you know their due dates, how much they are, interest rates, any special terms. Check your billing statements, bank account, credit card statements for hidden fees or anything you may not have realized. Then you need to look at your income, the cost to get that income, gas, taxes, equipment, marketing, time and wage changes. Prioritize: make sure none of your bills are behind, or you'll have to worry about fees, rate increases, shut offs repos, foreclosures, collections, and garnishment. Next, look at your expenses, and see what can you cut. No eating out, vending machines or frozen food. Buy fresh fruit, vegetables, meat, and freeze the extra yourself. Big container oatmeal and bootleg cereal for the kids. Cut out the fun money, subscriptions, extra activities. If you won't die or go to jail, cut it out of your budget. (You need car insurance). Do you need a car? Is your car payment over $200/m? You may need to get rid of it if you're struggling. Sell it, finance the difference for a lower payment, buy a car for $10k that is mechanic approved, and the combined cost should be lower than your car payment (do the math using car payment and loan calculators online). Planet fitness if you can afford it, otherwise, workout from home, walk your neighborhood, or go to the park. GET EVERY DOLLAR YOU CAN OUT OF YOUR BUDGET, negotiate payment plans with your debts and expenses and get rid of things, and stop doing things you can't afford. Go through this process 5-10 times, going through your just if debts and expenses and try to figure out how you can get rid of things (smaller or cheaper house, apartment, etc). If after all of that, you are still underwater, increase your income. 80 hours/week for a year if you're 50 or younger in good health, and hours/week every year after that. If indeed than 50, 60h/week at jobs you can do. Earn raises and ask for them. Better job in the same field, or higher paying job in another field. Calculate the amount of hours versus hourly wage to be sure you will end up with more money at the end of every month. Be leary of commission jobs and sales jobs if you're not familiar with the field, and are required to purchase products in order to sell them. This is a skill you must already have, and in the right place, too risky to start fresh while in debt. If you do all of this, and you're not even close to breaking even, bankruptcy is probably your best bet. Do a lot of research about it first because it is life altering, expensive, and limits your options for the next 7-10 years. Once you take care of your debts, throw every dollar into a 401k and Roth ira that you can. No high speed investments, no more than 1% of your investments into crypto and up to 5% into anything outside of the 401k and Roth that's supposed to get you rich quick, because you'll never see that money again. So you may be starting late, but you don't know how long you'll live. I've had multiple people in my family make it past 90. So starting now is better than not starting at all. You got this, just take it one step at a time.
@@amc2510probably can’t Afford it a 700$ a month just for the car not including gas / insurance / registration / or any other maintenance that will need to be done, that’s steep and at the current rate about half her pay, she bought the car and that led to eviction, probably a person who believes appearance is status. 😢
@@m.carrollprobably not that many miles , probably no warranty or coverage, she sounds like she got a terrible deal. She said she couldn’t afford Gap insurance and the car isn’t new it’s a 2 year old car. Depends on what she signed doesn’t seem to have any kind of leverage at negotiating deals.
In a way that’s true. Maybe she was married and her husband left. Maybe her husband doesn’t pay child support. Maybe she wasn’t taught good money habits when she was young. Maybe she had few people that loved or cared for her when she was young. You don’t know the whole story.
How wasn’t she called out on stating she’s close to retirement at age 46?? Good gawd, she has at least 20 years to work before even thinking about retirement.
She’s got a 22 Tiguan and it needs work? I guarantee the “work” is maintenance items. Most anything else is covered under factory warranty. It’s only 2 years old.
Typical for a woman to say she's cursed....well then get out the crystals and voodoo dolls and polish your chakras while studying the stars to manifest what you want
@@MikeyPaperMikey are you serious! She made the call to the show to get help. That shows accountability. She’s in quicksand and she’s trying to get out. I mean you’re just hoping they don’t hand her a branch don’t you? One day you could be in a situation where you might need help from someone.
I am a men's barber. I made $158K last year after shop expenses. I charge a 20% commission for anyone working with me, and you keep your tips. I need help! I can't find anyone who wants to work because I charge $25 per cut while the going rate in my town is $35-$45. She needs to come work at my shop. I do walk-ins instead of appointments which keeps me very busy all day.
@@sitcomchristian6886 Yeah but at his prices I am sure he is good!!! WTF I tip ok but don't think I have ever spent $45 on a hair cut... now $35 yeah with tip ($15) yeah but $45 🙄
I got laid off after 29 years in an electric utility in the end of 2009. It was tough - I had to sell my home, go through a divorce, and take on debt. But I didn't give up. I got expert help to fix my finances. Saved smart, maximized my 401(k), and invested wisely. Now, at 65.5, I comfortably live on Social Security and my savings, with growing investments. My retirement income exceeds my former $135,000 salary! Expert advice made this possible. You don't need a million dollars to retire happy. Seeking help was the best decision I ever made.
Thanks for sharing! I'm nearing retirement, still recovering from my layoff. Your story inspires me to explore new purposes. How did you navigate the emotional and financial transition? What advice would you give to someone seeking a meaningful retirement?
I'm glad my story inspires you. Navigating the emotional transition after my 29-year layoff was toughest, but I found success by allowing myself to grieve, focusing on self-care through exercise and meditation, and reconnecting with loved ones. Financially, seeking expert guide from a seasoned financial expert, creating a budget, and maximizing my 401(k) and investments were crucial. For a meaningful retirement, I advise defining your purpose through volunteering, hobbies, or passions, building multiple income streams, and staying flexible and open-minded. Remember, retirement is a new chapter - embrace the unknown and explore opportunities to grow and contribute.
Glen Howard Chester is the licensed fiduciary I use. we've been working together for years and he's fantastic. You could check him if he meets your requirements. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
@@malstarrainbow 1:35 literally said, “my rent right now is close to $950…”. Her goal last year was to own a home, so she refinanced her car to $615 but lost the gap insurance…
I wonder if a lot of her payment is interest. I have a cousin who at one time was paying as much as month for a hooptie that I was paying for a brand new car because of her interest rate. She lived and learned fortunately and now owns multiple businesses.
I think she means as far as catching up with investing, I’ve heard people say that to me before when they were way behind with retirement savings and meant they need to get moving on it quick to save enough.
Wow I needed to hear that her story is so relatable all she needs is the right tools and people around her to help ❤ I wish her the best thank you for sharing
Oh sweet god what a mess, kids and car debt and student loans and essentially no job. These are the calls I need to hear to really put my life into perspective.
First of all, my condolences to you and your family and sorry for your loss. If you could find a remote customer service job and cut hair on the weekends would be idea. Good luck to you!
AMEN to that. My bank account gets more of a cut then my wifes hair..... She'll drop 200-500 without even blinking..... but... what can you do... i've seen the hair people, they make a ton, and they hardly work too.... good for them though.....
I think that’s generally true but I think most men go to barbershops more frequently than most women go salons. A lot of women I know who go to salons go every few months whereas most men I know go to barbers every week or every two weeks. My cousin’s husband owns two barbershops. When I used to go to salons I would get the types of cuts that still looked good while growing out so I wouldn’t have to return as frequently.
@@anndeecosita3586 Most women do more than a haircut aka weave, extensions, etc. One weave can set you back hundreds of dollars. You can get 5 haircuts for the price of one weave. The average cost of a men's haircut is between $25 and $50, but prices can vary widely. The hair for a weave can cost between $85 and $600. Not even close.
How do you spend that kind of money on a car (a depreciating asset) when you don't own a house (an investment that can appreciate in value). Majority of people have this lopsided view that a car is a symbol of status/wealth/how much money you make. I know doctors making $250,000/year and they drive a 2000's Toyota Corolla.
I was thinking the same thing. The value of most VWs drops like a brick after only a few years. Something like a 2000 Corolla or Matrix would had been a way better dependable vehicle that are more affordable to fix and maintain.
IKR! There’s a house I pass on my way home that has 2 Mercedes parked on the street (never in the actual driveway 🙄), and the gutters and siding are falling off 😂😂….but hey, they have a depreciating car to drive around in
@@KnowledgeIsComfort They might have had the Mercedes before they got the house. Second who saids those cars were not gifts. Third a house cost MORE than the cars combined even when new!!!
@@Commentraider3lost her child and wants to be home with her others to deal with the trauma. I empathize with her, she sounds like she’s really trying. Commenters are always brutal
This was clearly a call for Ken. Caller has employment problem and stated early on she was let go from her stable job. This should have been explored, as well as, discuss how caller might be able to work remotely in a different occupation.
She shouldn’t even be thinking retirement is anywhere in her future. She’s not surviving currently. About to be evicted and car repoed. Fix that first! Get a second job.
@@AnneCaulder Might not solve the problem in the way one is thinking... And getting a second job requires ability and sometimes transportation... depends on the type of job.....
46, you’re not close to retirement age. All these people think they are just entitled to retire, you retire when you are financially able to not when you just want to quit.
Retirement is not an AGE. It is a point in life where you can afford to stop working. Some people don't have a "Retirement Age" because of decisions they made earlier in life.
Caller: "Hello, I have a problem and need your help." Jade: "Ok." Caller: "I'm a single Mom, I'm dead broke, make $1,200 a month, about to be Evicted, my car is two seconds from being Repossessed, but on the positive note,... I'm close to Retirement." ****What the $&@*? This is to easy for me to stand on my soapbox and preach why it is of the utmost importance for Women to WILLFULLY CHOOSE TO MAKE GOOD AND MORAL DECISIONS WHEN THEY'RE YOUNG, BECAUSE THE CONSEQUENCES WILL EITHER BE BRUTAL OR A BLESSING. But I won't stand on my soapbox and say that. Toodles.
Caller is reaping what she sowed. I had a vasectomy at 27 myself, but the number of women from 20 to 45 who let me unload in them without even considering pregnancy is crazy.
Why was I not surprised she had a VW Tiguan. 🙄 Had she had bought something else with a better dependability like a 2008 Toyota Matrix cash she would have a paid off reliable car that only needs minimal maintenance at affordable prices.
Everyone wants a job where they can be available to their kids but most employers don't care about your kids. Even teachers have that problem. Has she investigated working for Walmart? I just paid off my 22 Prius for $13,000. I'm not understanding why she still owed $26,000 on her car, before the refinancing. Are Tiguans that expensive?
@@Fishouta Given her situation I would expect that.... Not she had a good downpayment and made plenty of money to more than cover the difference at the same time. But she also has had a huge income drop which might have made something that would have worked not work at at!!!
This is actually pretty depressing. I feel for her but this can serve as a message to others about life choices and decisions. I've been there financially, so I'm NOT putting her down or judging her. I didn't get it together until I was in my very early forties, but that was due to a VERY bad divorce that took me years to recover from both financially and psychologically. I was BROKE as age thirty nine and a half, but I finally got traction and got things together. Hopefully, this woman will also.
You can buy a new car without your life falling apart, I've done it. Buy I'd owned my house for more than a decade, at that stage, had investments, savings and a good income. I also paid cash for the car. By the way, in the 32 years prior, I'd only ever driven beaters ($300- $7000) which I'd also paid cash for.
@@davidbrayshaw3529 congratulations. Ur experience is personalized to you. I meant it in a general sense, meaning, the experience that the caller had isn't personal to her, multiple people have gone thru it. Going by your anecdotal experience, it would mean for me that I would've needed to own a house at the age of 10 in order to get the results that you see. Insinuating that it's normal for a 10 yr old to own a house is disingenuous.
@@33asiamonet33 I was in no way trying to contend against your position but rather trying to reinforce it. I couldn't agree more with you. My anecdotal experience is very much the exception to the "rule". Far too many people sign up for loans that have life altering outcomes. I wouldn't wish that on my worst enemy.
That all depends on what type of car you buy and if the price is realistically within your means. Anything European is a liability after the warranty expires.
@@33asiamonet33 Sorry, I tried replying to you but my reply was deleted, for some reason. In no way do I disagree with you, at all. I was seeking to endorse your position, not criticize it. I only relayed my own anecdotal experience because it is outside the norm. All too many people build a rod for their own back financing cars that they can't afford, sometimes with life changing results.
I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Stephanie Janis Stiefel. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.
I know this lady you just mentioned. Stephanie Janis Stiefel is a portfolio manager and investment advisor. She gained recognition as an employee of neuberger berman; a renowned investor she is. Stephanie Janis Stiefel has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.
Stephanie Janis Stiefel hooked me up with a late-stage fund that got me in on private shares of some hot companies before they hit the market or blew up. Those investments totally paid off when the companies went public and their stocks shot up. Now, I'm stoked because I'm heading into retirement with almost a million bucks in my portfolio.
@@aydin6219her name is 'STEPHANIE JANIS STIEFEL'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I bet that factory filter deteriorated into a shredded gooey mess a few years ago and is doing zero filtering. And she has multiple "service overdue" messages on her dash that she is willfully ignoring.
Im on BS7 and I love driving around a 2004 with 185k on it and a 2007 with over 200k on it hearing these people claiming their 2022 is a piece of garbage LOL>
What was the signature loan used for? She makes bad decisions trying to live outside her means. She doesn’t want a real job she wants a job that she can work when she wants for how long she wants. Her mindset is so wrong and until she renews her mind no apps or books will help her.
She got rid of him. I know the world likes to think the man runs away because he doesn't want responsible, but more than likely she's playing keep away. OR, she was attracted to criminals and the guy is in jail. That happens a lot. The women in her community are attracted to the tough guys from 12-35. Then they hope to find a sucker to clean up their mess. Unfortunately, the internet has exposed men about being the clean up guy. Now she has no one to pick from.
@youtubeguy4539 all truth. Choosing the thug or tough guy in the neighborhood is incredibly short sighted. Add in that many of her race work hard to never work and it shows a MASSIVE cultural failure.
She is in no position to be talking about owning a house. In fact, this should be the furthest thing from her mind. People in the comments are saying "Where is the father?". I don't get it. Even if she did have one man who was the father of all her children(unlikely). Why would he want to get back into a situation like this? Men are not stupid people.
Single mother Multiple kids Kids with mental issues No child support Mid 40s Barber as a profession Lots of debts $30k car refinanced $60k student loans $8k personal loans
These women need husbands but are too hardheaded and intolerable. She's broke, one of her kids died probably due to her neglect, she's a terrible manager of money and about to be evicted. My ex gf had the same attitude and i tried to teach her about money and she would not listen even though i had money and she was broke. I left her and she's still broke and im way up. This is how most of them will end up. She did it to herself. She don't need no man.
doesnt make enough, and somehow the losing $3800 a month in the new job wasnt a wake up call that what she is doing isnt working? good lord. I think she deliberately called the show to get free stuff.
She wants money from the show to help her books and apps arent going to force her to make good decisions. She wanted sympathy hoping Dave will donate money to get her out of these bad debts only to do it again because her mindset is all wrong
@@KondraSellers Even with a good mindset she has issues in part because her job requires customers to have the income to pay.... And she somehow has to be located where customers show up.... etc...
No one wants to be cna bc our society doesn’t care about people other than their own family. I read someone saying they pay a live in cna 12k a month for a millionaire 95 year old woman
@@anndeecosita3586 Many states and employers will pay for you to train you can get certified in a month usually. You can work basically 24/7 365 there is always a need. Agency CNA on weekends pay hourly almost as good as nurses is some cases. It's hard work but consistently available.
If she sells the car how does she get back and forth to work? All those jobs like target are low pay and people are getting laid off because the economy is bad 🙄
She needs a car she can afford, not one that's half her income. No one is getting laid off at target and the economy is not bad. Where did you read that?
@@jacobawojtowicz I don’t know where you are living fantasy land? People are getting laid off like John Deere in my area just laid off hundreds of people. Full time job are hard to get around here.
@juliescott5017 I'm near Moline Il if that's what you mean lol. Just because John Deere is doing bad doesn't mean the economy is doing bad. You mentioned Target, which is hiring teenagers at 18-20 bucks an hour John Deere also employs over 50,000 people so a few hundred is not exactly moving the needle
Retirement uh NO ! Target 40 hours / week is only $600 and in retail they cut hours. She needs to find something that pays more I thought about doing Uber as side gig but my mechanic said no it is too much wear and tear on my vehicle. Maybe an Ed Tech job at her child's school it would pay more than $15/ hour, and would allow her hours with her child and can do side gigs during holiday breaks, weekends.
People get divorced. Spouses die. Nothing in life is guaranteed. Actually I know a lot of people who were sidelined by a health crisis in their family and having to stop working or overwhelmed with medical debt.
Volkswagen is an average quality vehicle, but a 2022 Tiguan without being in a flood, fire, or bad accident should run very well unless she bought a lemon when it was brand new or went a very long time between oil changes
If she is bad at major areas... yeah why not call that a curse? I don't consider it a good thing to have difficulty with critical thinking in certain areas... because with any system they tend to reward/ punish certain things.....
Every one of these videos the answer is make more money 🙄🤦🏼♀️ meanwhile I’m over here working 2 sometimes 3 jobs and I can’t keep up with the cost of living. Just got a notice that my homeowner insurance is going up again 😞 every year my monthly bills are going up hundreds of dollars and my raise was $.45 an hour
Rent a room, find a room mate, that's the norm now with prices skyrocketing lately. Not a single house in my neighborhood doesn't have renters living with the owners.
@@geigertec5921 I’m a single mother with a disabled daughter. I have thought about getting a roommate but I’m afraid that they would steal from me or hurt my daughter it’s a risk I’m not willing to take.
This lady is clearly overwhelmed as anyone would be in her situation. Jade your tone of voice was caring and both you and Ken gave her a solid path to follow. Good to see you Jade, good work with Ken.
I’m glad she called you guys
I’m pretty sure by “close to retirement” she meant “I’m anxious about the amount of time I have to build a retirement savings.”
I was totally expecting her to say she's 59 or 60....
Caller: “I’m close to retirement age”
Jade: “How old are you”
Caller: “I’m 46”
I see already math is clearly not her strong suit.
Well, we know math is racist, so...
😂 I’m 47 years old and retiring with irs rule of 55. Wife and I have a networth of 2.6 million 😊
I'm single 35 net worth 3.5 million, I can retire, but no reason to, I love my job.
46 is young most people retire at 65 so she has 19 years to get ready to retire.
@@geigertec5921 you are doing good. It really depends on your age at 35 keep saving. I over save just in case of a 50 percent stock market crash
I'm exhausted listening to this call
Imagine how it must feel to live in their shoes.
@@MrJuice-ik5ruthat’s not what this channel is about. It’s allll about shaming broke people 😂
@@HOLDXSTEELwhat’s the problem with that?
@MrJuice-ik5ru you say that as if she is a victim. This is the bed she made. $700 car payment? No i couldn't imagine being in those shoes
@@JDmix123 nothing just being honest. This community shames broke people for entertainment
Good grief. I make $3,600 a month net and work four days a week. I'm blessed. I hope things get better for her.
Quit buying stuff she can't afford. Curse lifted. She could make more money working at Wal-Mart. Also she said she is "close to retirement"?? She is 46.. She has at least 20 years of work ahead.
If you have zero saved at 46 for retirement and you're in a mountain of debt, you are way behind. She's not wrong.
Walmart? How about getting back into your career that was making you an extra 3800
She makes 2K a month…she’s going to need more to lift this curse than “quit buying stuff”. She needs a new job.
She’s close to retirement at 46 ??!! Wow - I’m 54 and I’m hoping to retire at 60 ish ??!!
@@gardenofe12My mom is 64 and she still doesn’t want to retire yet.
"I'm cursed" = I make a lot of bad decisions.
yea, victim card
I'm debt-free with a 6-figure salary and she bought a newer car than me? As a hairdresser???
No not really, cursed is a lot of bad stuff happens to you which happened to me.
She lost a child- have some empathy
She’s worried about retirement and she’s being evicted.
I mean, it’s a reasonable fear. I have nothing now, i’m a little over halfway through my working life what the fuck am I gonna do in the future?
@@jamieh9253I think what they were saying (in a less than compassionate way) is that you can't fix 18 problems at once, and this lady has them all.
You have to:
1. Analyze
2. Prioritize
3. Execute
Analyze: First you need to figure out all of your debts, bills, and expenses. Make sure you know their due dates, how much they are, interest rates, any special terms. Check your billing statements, bank account, credit card statements for hidden fees or anything you may not have realized. Then you need to look at your income, the cost to get that income, gas, taxes, equipment, marketing, time and wage changes.
Prioritize: make sure none of your bills are behind, or you'll have to worry about fees, rate increases, shut offs repos, foreclosures, collections, and garnishment.
Next, look at your expenses, and see what can you cut. No eating out, vending machines or frozen food. Buy fresh fruit, vegetables, meat, and freeze the extra yourself. Big container oatmeal and bootleg cereal for the kids. Cut out the fun money, subscriptions, extra activities. If you won't die or go to jail, cut it out of your budget. (You need car insurance).
Do you need a car? Is your car payment over $200/m? You may need to get rid of it if you're struggling. Sell it, finance the difference for a lower payment, buy a car for $10k that is mechanic approved, and the combined cost should be lower than your car payment (do the math using car payment and loan calculators online). Planet fitness if you can afford it, otherwise, workout from home, walk your neighborhood, or go to the park.
GET EVERY DOLLAR YOU CAN OUT OF YOUR BUDGET, negotiate payment plans with your debts and expenses and get rid of things, and stop doing things you can't afford.
Go through this process 5-10 times, going through your just if debts and expenses and try to figure out how you can get rid of things (smaller or cheaper house, apartment, etc).
If after all of that, you are still underwater, increase your income. 80 hours/week for a year if you're 50 or younger in good health, and hours/week every year after that. If indeed than 50, 60h/week at jobs you can do. Earn raises and ask for them. Better job in the same field, or higher paying job in another field. Calculate the amount of hours versus hourly wage to be sure you will end up with more money at the end of every month. Be leary of commission jobs and sales jobs if you're not familiar with the field, and are required to purchase products in order to sell them. This is a skill you must already have, and in the right place, too risky to start fresh while in debt.
If you do all of this, and you're not even close to breaking even, bankruptcy is probably your best bet. Do a lot of research about it first because it is life altering, expensive, and limits your options for the next 7-10 years.
Once you take care of your debts, throw every dollar into a 401k and Roth ira that you can. No high speed investments, no more than 1% of your investments into crypto and up to 5% into anything outside of the 401k and Roth that's supposed to get you rich quick, because you'll never see that money again.
So you may be starting late, but you don't know how long you'll live. I've had multiple people in my family make it past 90. So starting now is better than not starting at all. You got this, just take it one step at a time.
@@jamieh9253IF you do nothing NOW you will have no FUTURE then you will be well and trurly f....d.
Her 2022 Tiguan needs “work”? Nah, baby, it needs maintenance. ROUTINE MAINTENANCE.
Probably hasn't had an oil change since she bought it.
And a 2022 would still be under warranty. There's a really good chance the work needed is due to an accident.
@@BrianW211probably a lot of miles which voids the warranty and it’s not a reliable vehicle.
@@amc2510probably can’t Afford it a 700$ a month just for the car not including gas / insurance / registration / or any other maintenance that will need to be done, that’s steep and at the current rate about half her pay, she bought the car and that led to eviction, probably a person who believes appearance is status. 😢
@@m.carrollprobably not that many miles , probably no warranty or coverage, she sounds like she got a terrible deal. She said she couldn’t afford Gap insurance and the car isn’t new it’s a 2 year old car. Depends on what she signed doesn’t seem to have any kind of leverage at negotiating deals.
Making bad life decisions is going to feel like you are cursed..
Don't judge people
@rjbennett3448 Not judging...thats a fact.
In a way that’s true. Maybe she was married and her husband left. Maybe her husband doesn’t pay child support. Maybe she wasn’t taught good money habits when she was young. Maybe she had few people that loved or cared for her when she was young. You don’t know the whole story.
How wasn’t she called out on stating she’s close to retirement at age 46?? Good gawd, she has at least 20 years to work before even thinking about retirement.
I thought the same thing. I was expecting her to say she’s 65! 😂😂😂
I started over at 42 and worked till I was 70!
George would’ve called it out maybe as he tells people who are in their eighties to get a second job 😂
Not everybody wants to spend their whole life working. That doesn't make sense. Being a slave to the system to earn wages.
@@Observer100-cn7gv You want to live on the street? Go ahead!
She’s got a 22 Tiguan and it needs work? I guarantee the “work” is maintenance items. Most anything else is covered under factory warranty. It’s only 2 years old.
The vast majority of Americans can’t actually “afford” a new car
@@hankwells2637the average American can't afford a big Mac without a credit card
Why the hell would you buy an expensive SUV????? Who would give her a loan?
Probably new tires. SUV tires are expensive.
@@lot2196 After 2 years????
You are not cursed. You've made bad decisons.
Typical for a woman to say she's cursed....well then get out the crystals and voodoo dolls and polish your chakras while studying the stars to manifest what you want
Women love using superstition to side step accountability.
@@MikeyPaper how is this a gender issue?
@@MikeyPaper The "Im a single mom" is getting SOOOOOOOOOOOOO old. Like NO single moms have every accomplished anything.
@@MikeyPaperMikey are you serious! She made the call to the show to get help. That shows accountability. She’s in quicksand and she’s trying to get out. I mean you’re just hoping they don’t hand her a branch don’t you? One day you could be in a situation where you might need help from someone.
I am a men's barber. I made $158K last year after shop expenses. I charge a 20% commission for anyone working with me, and you keep your tips. I need help! I can't find anyone who wants to work because I charge $25 per cut while the going rate in my town is $35-$45. She needs to come work at my shop. I do walk-ins instead of appointments which keeps me very busy all day.
Probably tells customers her problems, and no one wants to hear.
You probably give a great haircut!
@@sitcomchristian6886 Yeah but at his prices I am sure he is good!!! WTF I tip ok but don't think I have ever spent $45 on a hair cut... now $35 yeah with tip ($15) yeah but $45 🙄
Man I need a $35 haircut. My barber charges $35 just for a lineup and taper and thats before tip. And Im in Dallas
@@Shortballa11 well but places like Dallas might be way more expensive...
I got laid off after 29 years in an electric utility in the end of 2009. It was tough - I had to sell my home, go through a divorce, and take on debt. But I didn't give up. I got expert help to fix my finances.
Saved smart, maximized my 401(k), and invested wisely. Now, at 65.5, I comfortably live on Social Security and my savings, with growing investments.
My retirement income exceeds my former $135,000 salary! Expert advice made this possible. You don't need a million dollars to retire happy. Seeking help was the best decision I ever made.
Thanks for sharing! I'm nearing retirement, still recovering from my layoff. Your story inspires me to explore new purposes. How did you navigate the emotional and financial transition? What advice would you give to someone seeking a meaningful retirement?
I'm glad my story inspires you. Navigating the emotional transition after my 29-year layoff was toughest, but I found success by allowing myself to grieve, focusing on self-care through exercise and meditation, and reconnecting with loved ones. Financially, seeking expert guide from a seasoned financial expert, creating a budget, and maximizing my 401(k) and investments were crucial. For a meaningful retirement, I advise defining your purpose through volunteering, hobbies, or passions, building multiple income streams, and staying flexible and open-minded. Remember, retirement is a new chapter - embrace the unknown and explore opportunities to grow and contribute.
Who are you working with please?
Glen Howard Chester is the licensed fiduciary I use. we've been working together for years and he's fantastic. You could check him if he meets your requirements. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Very much appreciated, just copied and pasted his name on the web, easily spotted his consulting page and was able to schedule a call session.
I'm 48 and I'll be working for 20 years. So.... Close to retirement age?? 😬
That’s pretty close when you have to save your entire retirement
Closer to retirement than you are to drinking age!
@@donjohnson1416But still behaving and spending like someone who just reached drinking age
Did I hear her right? Her rent is 900 but her car payment is 700???
No she said nothing about rent. She has a mortgage. She said her car was refinanced and now her payment for car is 615.00 but used to be more.
@@malstarrainbow 1:35 literally said, “my rent right now is close to $950…”. Her goal last year was to own a home, so she refinanced her car to $615 but lost the gap insurance…
I wonder if a lot of her payment is interest. I have a cousin who at one time was paying as much as month for a hooptie that I was paying for a brand new car because of her interest rate. She lived and learned fortunately and now owns multiple businesses.
So glad Ken stepped in, as Jade was going down a useless rabbit hole.
Was she though 🤔❓
Cold
Caller: Im 46 and close to retirement
Me: oh boy this is going to be a long frustratingcall
Shes closer to retirement than the drinking age. JS
I think she means as far as catching up with investing, I’ve heard people say that to me before when they were way behind with retirement savings and meant they need to get moving on it quick to save enough.
@@evanl889 You really think she can ever get there though? The types of jobs she has IMO require outpacing expenses for years to even be close IMO....
Close to retirement, age 46, you have another 20 years of work ahead of you.
Ugh Volkswagen 😂😂😂😂😂😂😂 That cracked me up.
As a car guy I rolled my eyes too. Lol
Ken is ordering Shoes on Amazon during this call
Hilarious
😂😂😂😂
😂😂😂
Wow I needed to hear that her story is so relatable all she needs is the right tools and people around her to help ❤ I wish her the best thank you for sharing
She drives a 2022 Volkswagen Tiguan? How on earth did she get a loan for it? Her story sounded really sad until that point.
Also 2022 would be under warranty ... so yeah
Oh sweet god what a mess, kids and car debt and student loans and essentially no job. These are the calls I need to hear to really put my life into perspective.
Walmart pays 20 dollars an hour
Plus 10% discount on Walmart purchases, e.g. 10% off on everything you need for household.
I don’t think that’s true everywhere. She sounds southern so there’s a good chance Walmart is only paying 10 or 11 bucks an hour in her area.
@rabidgoon Correct. She is in Memphis, Tennessee
Even in Memphis?
Where ?😂😂
The phrase “I am a single Mom” needs to lose all sympathy. It has been abused
To me it sounds like: I've been making very poor personal life choices that affect me and my children.
Its a phrase women use as a shield from criticism for bad decisions
I dunno, the widows get my sympathy. I have a cousin who is a single mom of two with two different dads. She....gets less sympathy, but all my love.
I love your advice to her. Both of you are so good.
When she said she's a single mom close to retirement, I was wondering how old are those kids??? How close to retirement is 46?
Bad decisions doesn’t equal cursed
God Bless you all at Ramsey Solution 🙏✝️🛐♥️🥰
Lots of bad impulsive decisions led her here, not a curse.
“I’m close to retirement with a $700 car note getting evicted from a $980 rent making $1,200 a month”
what the fuck?
Yes
😂😂😂
At least abbreviate that word, you don’t need to throw the filth around.
@@1jw298
Oh please. Are you 4 years old?
@@1jw298 what fucking word?
First of all, my condolences to you and your family and sorry for your loss. If you could find a remote customer service job and cut hair on the weekends would be idea. Good luck to you!
Woman's hair is way more lucrative than men's hair will ever be.
It is but doing both is very lucrative! I hope she finds her niche within her passion. There is so much money out there!
AMEN to that. My bank account gets more of a cut then my wifes hair..... She'll drop 200-500 without even blinking..... but... what can you do...
i've seen the hair people, they make a ton, and they hardly work too....
good for them though.....
I think that’s generally true but I think most men go to barbershops more frequently than most women go salons. A lot of women I know who go to salons go every few months whereas most men I know go to barbers every week or every two weeks.
My cousin’s husband owns two barbershops. When I used to go to salons I would get the types of cuts that still looked good while growing out so I wouldn’t have to return as frequently.
@@anndeecosita3586 Most women do more than a haircut aka weave, extensions, etc. One weave can set you back hundreds of dollars. You can get 5 haircuts for the price of one weave.
The average cost of a men's haircut is between $25 and $50, but prices can vary widely.
The hair for a weave can cost between $85 and $600.
Not even close.
A lot of barbers make over $100k. She doesnt like barbering.
How do you spend that kind of money on a car (a depreciating asset) when you don't own a house (an investment that can appreciate in value). Majority of people have this lopsided view that a car is a symbol of status/wealth/how much money you make. I know doctors making $250,000/year and they drive a 2000's Toyota Corolla.
I was thinking the same thing. The value of most VWs drops like a brick after only a few years. Something like a 2000 Corolla or Matrix would had been a way better dependable vehicle that are more affordable to fix and maintain.
IKR! There’s a house I pass on my way home that has 2 Mercedes parked on the street (never in the actual driveway 🙄), and the gutters and siding are falling off 😂😂….but hey, they have a depreciating car to drive around in
@@KnowledgeIsComfort They might have had the Mercedes before they got the house. Second who saids those cars were not gifts. Third a house cost MORE than the cars combined even when new!!!
I pray she gets out that situation I know it mentally and emotionally draining!!!
Ken stepped in and gave her everything for free just to make this stupid call end😂
Cursed is not equivalent to stupidity. And neither is 46 close to retirement technically. Basic common sense skills lacking in this human being 🤷♂️.
And basic empathy lacking in you. My gosh. She lost her child and is still TRYING. Wth is wrong with you.
@@Commentraider3lost her child and wants to be home with her others to deal with the trauma. I empathize with her, she sounds like she’s really trying. Commenters are always brutal
Yes it is her 50s are right around the corner !
Many times stupidity can make it seem like your cursed
This was clearly a call for Ken. Caller has employment problem and stated early on she was let go from her stable job. This should have been explored, as well as, discuss how caller might be able to work remotely in a different occupation.
Ken has nothing to say about this call😂
Well, my mother used to say... If you have nothing good to say then don't say anything at all
He did at the end, but I think he was holding back all the way up to that point to see how Jade does.
He didn't want to speak on the black community.
Too much going on for the caller
@@youtubeguy4539 lol
Close to retirement?!? You got another 20 years of work…at least. My god these people truly are delusional
Retired at 55.
She shouldn’t even be thinking retirement is anywhere in her future. She’s not surviving currently. About to be evicted and car repoed. Fix that first! Get a second job.
@@AnneCaulder Might not solve the problem in the way one is thinking... And getting a second job requires ability and sometimes transportation... depends on the type of job.....
@@miketheyunggod2534 Good for you, most people can't afford that!
She has nothing saved but part of the FIRE movement. 😂😂😂
Oh boy this is hell
46, you’re not close to retirement age. All these people think they are just entitled to retire, you retire when you are financially able to not when you just want to quit.
Retirement is not an AGE. It is a point in life where you can afford to stop working. Some people don't have a "Retirement Age" because of decisions they made earlier in life.
They got luckier in life.... Decisions just increase
46 is not close to retirement 🤦♂️
Nope but I retired at 55😊😊😊
As a 42yr old … looking forward to her retirement schedule 😂
Caller: "Hello, I have a problem and need your help."
Jade: "Ok."
Caller: "I'm a single Mom, I'm dead broke, make $1,200 a month, about to be Evicted, my car is two seconds from being Repossessed, but on the positive note,... I'm close to Retirement."
****What the $&@*? This is to easy for me to stand on my soapbox and preach why it is of the utmost importance for Women to WILLFULLY CHOOSE TO MAKE GOOD AND MORAL DECISIONS WHEN THEY'RE YOUNG, BECAUSE THE CONSEQUENCES WILL EITHER BE BRUTAL OR A BLESSING. But I won't stand on my soapbox and say that. Toodles.
Caller is reaping what she sowed. I had a vasectomy at 27 myself, but the number of women from 20 to 45 who let me unload in them without even considering pregnancy is crazy.
Why was I not surprised she had a VW Tiguan. 🙄 Had she had bought something else with a better dependability like a 2008 Toyota Matrix cash she would have a paid off reliable car that only needs minimal maintenance at affordable prices.
Everyone wants a job where they can be available to their kids but most employers don't care about your kids. Even teachers have that problem. Has she investigated working for Walmart? I just paid off my 22 Prius for $13,000. I'm not understanding why she still owed $26,000 on her car, before the refinancing. Are Tiguans that expensive?
Foolishness. She likely bought it new because she felt like she was making good money previously.
Correct. Return or sell it and get something old that runs
She probably rolled negative equity from prior vehicle into the new loan.
@@Fishouta Given her situation I would expect that.... Not she had a good downpayment and made plenty of money to more than cover the difference at the same time. But she also has had a huge income drop which might have made something that would have worked not work at at!!!
Close to retirement age?? At 46?! Yeah, if she were already set up for EARLY retirement. But if that were the case, she wouldn’t be calling.
EXACTLY! That word shouldn’t be on her lips because she’s drowning currently and likely will never retire at this rate.
This is actually pretty depressing. I feel for her but this can serve as a message to others about life choices and decisions. I've been there financially, so I'm NOT putting her down or judging her. I didn't get it together until I was in my very early forties, but that was due to a VERY bad divorce that took me years to recover from both financially and psychologically. I was BROKE as age thirty nine and a half, but I finally got traction and got things together. Hopefully, this woman will also.
This is straight self inflicted
This sister needs to up her income immediately
Did she pay 60 grand for barber school??
That's ridiculous honestly
Definitely not. MAYBE $20k. More like $15k.
I paid $7,000 for full tuition
I think she probably went to cosmetology school since she said she can also do women’s hair but chooses not to.
7:40 Hungry Hungry Kenny Boy is getting impatient because his catered Chick Fil A lunch is getting cold.
Good advice!! Nicole you got this
a 2022 should still be under warranty. she has to know things going wrong 2 years later need warranty work , not just saying she cant afford it
When she says work, she probably means "normal maintenance" like brakes, tires, or an oil change...
It happens everytime
Buy a new car and your life starts to fall apart 🤷🏽♀️😩
You can buy a new car without your life falling apart, I've done it. Buy I'd owned my house for more than a decade, at that stage, had investments, savings and a good income.
I also paid cash for the car. By the way, in the 32 years prior, I'd only ever driven beaters ($300- $7000) which I'd also paid cash for.
@@davidbrayshaw3529 congratulations. Ur experience is personalized to you. I meant it in a general sense, meaning, the experience that the caller had isn't personal to her, multiple people have gone thru it.
Going by your anecdotal experience, it would mean for me that I would've needed to own a house at the age of 10 in order to get the results that you see. Insinuating that it's normal for a 10 yr old to own a house is disingenuous.
@@33asiamonet33 I was in no way trying to contend against your position but rather trying to reinforce it. I couldn't agree more with you. My anecdotal experience is very much the exception to the "rule".
Far too many people sign up for loans that have life altering outcomes. I wouldn't wish that on my worst enemy.
That all depends on what type of car you buy and if the price is realistically within your means. Anything European is a liability after the warranty expires.
@@33asiamonet33 Sorry, I tried replying to you but my reply was deleted, for some reason.
In no way do I disagree with you, at all.
I was seeking to endorse your position, not criticize it.
I only relayed my own anecdotal experience
because it is outside the norm. All too many people build a rod for their own back financing cars that they can't afford, sometimes with life changing results.
A 2022 wv and is already breaking down? That doesn't make sense. Isn't that covered by the manufacturer's guarantee?
It’s probably brakes or tyres etc.
@@coderider3022 brakes don't wear out in two years. Neither do tyres with average daily use.
She exhausts me. Imagine being in her chair for hair cut and you don’t dare ask how’s she doing ?!! 30k car ?!
She’s exhausted. Why even listen?? She’s struggling and has a DEAD child ! I can’t stand you arrogant people who comment. Who raised you??
I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Stephanie Janis Stiefel. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.
I know this lady you just mentioned. Stephanie Janis Stiefel is a portfolio manager and investment advisor. She gained recognition as an employee of neuberger berman; a renowned investor she is. Stephanie Janis Stiefel has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.
Been debt free for two years thanks to Stephanie Janis Stiefel. So sad to see my friends in their 40s with car loans, mortgages and credit card debt.
I’ve heard of her
How can i reach her, if you don't mind me asking?
Stephanie Janis Stiefel hooked me up with a late-stage fund that got me in on private shares of some hot companies before they hit the market or blew up. Those investments totally paid off when the companies went public and their stocks shot up. Now, I'm stoked because I'm heading into retirement with almost a million bucks in my portfolio.
@@aydin6219her name is 'STEPHANIE JANIS STIEFEL'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
That car has its factory oil filter for sure.
I bet that factory filter deteriorated into a shredded gooey mess a few years ago and is doing zero filtering. And she has multiple "service overdue" messages on her dash that she is willfully ignoring.
@@alberttang6955 That's what the "needs work" means...she means it needs normal routine maintenance like oil, tires, or brakes.
And the oil is probably sludge at this point. Heck, that’s probably why she got rid of her car and bought this one
Not sure why people get themselves into such high car payments.
Im on BS7 and I love driving around a 2004 with 185k on it and a 2007 with over 200k on it hearing these people claiming their 2022 is a piece of garbage LOL>
What was the signature loan used for? She makes bad decisions trying to live outside her means. She doesn’t want a real job she wants a job that she can work when she wants for how long she wants. Her mindset is so wrong and until she renews her mind no apps or books will help her.
Minimalism if the key!
I’m crying feeling her pain through the call. Pray for Nicole in Memphis, TN ❤
I feel so bad for her 😢
This woman has just had tragedy and she cant breathe
Gets fired AND evicted
Girl, you still have 20-25 years to turn it around. These comments can be super harsh-don’t read a lot of them-just do you & try to turn things around
Hilarious
Trainwreck finances for someone mid 40s.
Where is the father of her children 🤔
She got rid of him. I know the world likes to think the man runs away because he doesn't want responsible, but more than likely she's playing keep away. OR, she was attracted to criminals and the guy is in jail. That happens a lot. The women in her community are attracted to the tough guys from 12-35. Then they hope to find a sucker to clean up their mess. Unfortunately, the internet has exposed men about being the clean up guy. Now she has no one to pick from.
@youtubeguy4539 all truth. Choosing the thug or tough guy in the neighborhood is incredibly short sighted.
Add in that many of her race work hard to never work and it shows a MASSIVE cultural failure.
@youtubeguy4539 yup, absolutely massive failure of their "culture".
Seriously has led to the near downfall of most of their neighborhoods.
External locus of control
She needs to find financial support from the government.
She is in no position to be talking about owning a house. In fact, this should be the furthest thing from her mind. People in the comments are saying "Where is the father?". I don't get it. Even if she did have one man who was the father of all her children(unlikely). Why would he want to get back into a situation like this? Men are not stupid people.
Yep people with options....
Single mother
Multiple kids
Kids with mental issues
No child support
Mid 40s
Barber as a profession
Lots of debts
$30k car refinanced
$60k student loans
$8k personal loans
These women need husbands but are too hardheaded and intolerable. She's broke, one of her kids died probably due to her neglect, she's a terrible manager of money and about to be evicted. My ex gf had the same attitude and i tried to teach her about money and she would not listen even though i had money and she was broke. I left her and she's still broke and im way up. This is how most of them will end up. She did it to herself. She don't need no man.
Really bad decision making. Being a Single mother was the first mistake. She needs a job and sense of purpose
She owes 29 grand on a VW. CLUELESS.
doesnt make enough, and somehow the losing $3800 a month in the new job wasnt a wake up call that what she is doing isnt working? good lord. I think she deliberately called the show to get free stuff.
Bingo
Not the reason. Free stuff (books & the budgeting app) isn't going to pay her bills
@@thinkforyourself9334 Yeah but given her current situation can we really expect much to work?
She wants money from the show to help her books and apps arent going to force her to make good decisions. She wanted sympathy hoping Dave will donate money to get her out of these bad debts only to do it again because her mindset is all wrong
@@KondraSellers Even with a good mindset she has issues in part because her job requires customers to have the income to pay.... And she somehow has to be located where customers show up.... etc...
Nowhere close to retirement. She will have to work until age 70.
Lazy person looking for someone to fix her problems
Certified Nurses assistant make more and can work more. Just victim mentality.
Yes
No one wants to be cna bc our society doesn’t care about people other than their own family. I read someone saying they pay a live in cna 12k a month for a millionaire 95 year old woman
@@Tony_Starks-1 RIGHT!!!
Wouldn’t she had to go back to school to become certified? She can’t afford to do that right now.
@@anndeecosita3586 Many states and employers will pay for you to train you can get certified in a month usually. You can work basically 24/7 365 there is always a need. Agency CNA on weekends pay hourly almost as good as nurses is some cases. It's hard work but consistently available.
Have you got a minute Ken"? Haha of course he has, Jade typically taking over everything.
i am close to retirement age and I just had another kid.
If she sells the car how does she get back and forth to work? All those jobs like target are low pay and people are getting laid off because the economy is bad 🙄
She needs a car she can afford, not one that's half her income.
No one is getting laid off at target and the economy is not bad. Where did you read that?
@@jacobawojtowicz I don’t know where you are living fantasy land? People are getting laid off like John Deere in my area just laid off hundreds of people. Full time job are hard to get around here.
@juliescott5017 I'm near Moline Il if that's what you mean lol. Just because John Deere is doing bad doesn't mean the economy is doing bad. You mentioned Target, which is hiring teenagers at 18-20 bucks an hour
John Deere also employs over 50,000 people so a few hundred is not exactly moving the needle
@@jacobawojtowicz he heard it on Fox News 😂😂
@@jacobawojtowicz How do you think those who got laid off see it? Really they likely had bills to pay and will still need a way to pay them....
Damn, close to retirement in her mid 40s. She needs a job that she can be available to her kids. Interesting.
Well she only has another 20+ years of work left and the last 20 years have not lead to ok enough outcomes....
Technically cutting hair is a job she can be there for her kids. Make your own schedule
Retirement uh NO ! Target 40 hours / week is only $600 and in retail they cut hours. She needs to find something that pays more
I thought about doing Uber as side gig but my mechanic said no it is too much wear and tear on my vehicle.
Maybe an Ed Tech job at her child's school it would pay more than $15/ hour, and would allow her hours with her child and can do side gigs during holiday breaks, weekends.
How to have a comfortable life:
1. Graduate from high school
2. Get a job
3. Don’t have children until you are married.
That’s it.
No college? Just a high school diploma?
Also what to do if you're too dumb to get your A-level?
@@TheFlash-kw6swstart a business
For men, I'd replace number 3 with: do not get married.
People get divorced. Spouses die. Nothing in life is guaranteed. Actually I know a lot of people who were sidelined by a health crisis in their family and having to stop working or overwhelmed with medical debt.
Don't go to college lol
Between the lines of "I love barbering" and "I lost 3.8k a month," is... "I don't go to work"!!!
Volkswagen is an average quality vehicle, but a 2022 Tiguan without being in a flood, fire, or bad accident should run very well unless she bought a lemon when it was brand new or went a very long time between oil changes
My savings has only increased 8k in 2 years. Life is too hard and jobs suck. Being rich is the only way in this life
Bad at math
Bad at keeping a job
Bad at making a plan
Bad life choices
Caller: I think I'm cursed
If she is bad at major areas... yeah why not call that a curse? I don't consider it a good thing to have difficulty with critical thinking in certain areas... because with any system they tend to reward/ punish certain things.....
If she can change her mindset from victim to motivated, it would change her entire life and probably her daughter too.
She bought too much car. She probably make more doing customer service.
Every one of these videos the answer is make more money 🙄🤦🏼♀️ meanwhile I’m over here working 2 sometimes 3 jobs and I can’t keep up with the cost of living. Just got a notice that my homeowner insurance is going up again 😞 every year my monthly bills are going up hundreds of dollars and my raise was $.45 an hour
Rent a room, find a room mate, that's the norm now with prices skyrocketing lately. Not a single house in my neighborhood doesn't have renters living with the owners.
@@geigertec5921 I’m a single mother with a disabled daughter. I have thought about getting a roommate but I’m afraid that they would steal from me or hurt my daughter it’s a risk I’m not willing to take.
Where is your man?
@@lonestarrk9308 Where’s your manners?
Where are the kids father!!! He probably have to help fulltime with the kids