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He served in the military and was honorably discharged due to injury and she has OCD yet they are still trying. Living with disabilities yet not wanting to have a disabled life is not easy. Considering the recent experience with death, they seem to be living in the present while displaying potential growth for their daughter. I wish them the best of luck. A family like this simply needs to catch a break and not be judged. When he gets a good steady job, they’ll be unstoppable in their pursuit of happiness.
Everyone is allowed to live their lives how they would like. They have a plan and if that plan doesn't include paying financial advisors and getting high blood pressure everytime the market crashes that's their choice. Just let the people be - it's working for them.
This is HORRIBLE. They have no savings, massive credit card debt and $60K owed on a truck??? NO. He's broke with no job, talking about "going back to school for photography" WHHHHAATTTT??? Hello internet: you can learn on the go. He has no direction which is why they are in this terrible situation now!
Wonder what the husband does with himself all day. If he's looking for work, as he says he is, then it seems like it would have to be a remote job. The wife is the primary breadwinner. If she loses her job, they're in big trouble.
Not the best situation but don’t forget he gets disability from being medically discharged due to serving his country. I think they are enjoying their life and they have a high earning potential.
Typical BM pathology. This specific couple dynamic is a stereotypical BM/WW couple dynamic. He’s black & broke with an overweight WW partner & a biracial child. Typical. We’ve seen this before. He’s 28, so he’s young & she’s older than him. This compounds the problem. I suspected & knew he had little financial contribution or none at all when they spent so much time talking about her income & job. He had the nerve to have a problem with her wanting to do the “RV travel thing” when he doesn’t bring in no where near enough money. Most of “their” money comes from HER INCOME. They’ll break up, eventually. This dynamic is not healthy. She’ll grow to resent him & not respect him, if she even respects him now. And then, because he’s broken up with her, he’ll use that as a license to be a deadbeat father. I feel bad for the child because she suffers the most from this degenerate & dysfunctional situation.
Insane debts on depreciating assets, 38k on RV, 60k on truck, and 4k credit card + travel expenses. Don't want to come off as debbie downer but they're going to be in the hole for a long time, a commitment of delayed gratification is definitely in order.
It's interesting everyone is only commenting about their debt - I guess no saw that they have a savings plan and they are paying down their debt but I guess looking at the comments everyone thinks That's not good enough. They have debt yes but they also have a plan.
@@gachalife-gk4qz this guy is on many different comments defending these people for some reason. Must be paid or knows them. 100% these people are financial screwed if they keep up their habits.
I don't understand their long term plan. Living in an RV is not ideal because the RV is not an appreciating asset, like a home. They should have purchased a small house or condo. They are only saving 1K a month and have far too much credit card debt. They really need a solid financial plan.
Hubby needs to go to work. He can build a Photography Business as a "Side Hustle" until the Business supports itself. Meanwhile, throw every dime of his Salary at their debt.
It’s cause he only makes 26,000 a year via his military money. She is leading this relationship which is why she has to foot the bill for it. Men are supposed to lead. Women just don’t get it. They shouldn’t have a payment for a car for $750, they should have a car that is paid off. SMH. They should have no debt.
But also you see how she looks, and you see how he looks( in shape etc..) she is paying cause she HAS too. If he had to foot the bill he would have chosen a more attractive and fit woman. This is how it works y’all lol 😆
Going back to school for photography? Really? Sorry but that sounds like such a silly thing to do. There’s so many free outlets you can teach yourself no need to go in more debt for photography school.
I would payoff a mortgage ASAP and house hack one bedroom bathroom suite. Then travel 🧳. They can do this and work remotely from hotels, 30 weeks a year....
If he were to get a job, that would significantly better their situation....no reason why this lady should be bringing in 67k a year while his pension only provides $26,400.
Kansas City, KS 66112,,, nice houses for 350k for 3 showers. They need to pay that off ASAP. Double their income and dump it all into getting out the mortgage ASAP. Then use their 93k income to travel. Get rid of the expensive cars and RV. Just use hotels. See the world if that's the interest. They're making life hard for themselves unnecessarily....
$2200/mo with a wife and child???? He needs to grow up and get a job. I doubt they’ll be together long because she’s going to want more stability once the baby gets school age.
$12,000 a month= $145,000 a year. They make $93,000 a year.Something doesn’t add up in their budget. Crazy stupid that they spent $2,800 on food. They gotta learn to cook. Time for this guy to get a job. He doesn’t need to go to school for photography. They can’t afford it.
I have come to realise that it is someone who works at "CNBC Make It" who has been crushing the numbers incorrectly, because it happens very often with a lot of people they have on this show; therefore, it is most likely the CNBC number crusher who is the denominator.
@@juliusreed5273sad to say this, also not speaking of all, there are a few servicemembers that join for a few years just for the system. If qualified, they could make double to triple after discharge than what they make as active duty. And here’s a kicker, the disability pension is tax free. I hope that VA redesigns the system to distributes the pension to help the veterans that are truly in need, not for moochers
$1400 here and we eat out regularly for a family of 4 lol. They need to cook more meals at home. I get their traveling but eat a bologna sandwich once in a while. She’s $4200 in debt because they spent $12,000 and only make $8k.
Its unlikely he will ever get a job. At his next VA checkup he will say his injury is getting worse and they will increase his monthly benefits/pension. He will keep this act up for the next 30 years in order to keep getting higher payouts. It’s what ex military guys do.
Its a physical injury. A physician has to exam and sign off on the injury. Mental health injuries in the VA has to get signed off as well after treatment.
@@SnowyCountryChicken They are paying off depreciating liabilities and will have no assets (aka home mortgage) in under five years. Works for now but will be in the same situation 10years from now if they don't make changes.
The mom mentioned she doesn’t want their child to struggle but they seem to dig themselves deeper into debt, don’t have savings and he doesn’t have a single job to help at all. That sounds like a recipe for disaster. It’s all fun and games if you want to do this on your own but when you’re responsible for another human being, you need to think more responsibly.
Nope. Photography is a useless degree that would only end up with more debt for them. Unless he’s planning to use his GI Bill and pocket the checks, it’s a waste of time.
@@alohaazzie8462 then go to school that can actually be lucrative. If he has a passion for photography thats something you just go and do, no formal education needed. I know a few professional photographers and some make really good money doing weddings or modeling shoots and none of them went to school or got formal training for it
@@biscaynesupercars well yea, what I’m saying is that, most people just do it. You definitely don’t NEED a photography degree, however, the Post 9/11 GI Bill will pay for tuition, his housing (I took mostly online courses, with one course on campus, made $3k for housing), his photography equipment and software, etc. He can still do his work stuff on the side or build a portfolio and he’s still pulling money no matter what
People in the comments are complaining about the guy needing to get a job. But if poop hits the fan, he has 25k yearly passive unearned income. That's more than enough to cover his bed bath costs and groceries through life. Gosh folks, everyone doesn't need a Range Rover!?!!
@@lenaprice6239 food and housing are the only expenses we need to survive. Everything else is extra. It's easy to afford two people on 12k yearly per person, for them to have safe housing and groceries.
@@lenaprice6239 three lakes apartments in zip 66213 is about 14k yearly for 2 bed bath residence. Plus 2k yearly per person for groceries, and that's under 25k. If they bought a house and doubled up on jobs for a couple years to payoff the mortgage ASAP, his 25k would easily be enough unearned income to cover 3 people's costs of groceries and housing.
@@lenaprice6239 paying off a 4 bed bath house in 66210 zip would have taxes and utilities yearly of 8k??? Can house hack one bedroom bathroom suite and have no housing costs. Only would have to afford groceries at 3k per person yearly. His 25k unearned passive income is more than enough to cover several people to survive and thrive, in this scenario too. I think the bottom line here is, military is definitely one of the fastest ways to get financial freedom. But it comes with a higher risk of death or injury 🤕.
Their debt is not that bad. Most Americans have much higher debt. This husband is a bum. I am old school. The man must be a provider. Amazon is hiring put that camera away, you have a family to feed.
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husband needs to make some more income and they need to reduce spending significantly. if he wants to go to school for photography they need to cut wayyyy back.
Typical BM pathology. This specific couple dynamic is a stereotypical BM/WW couple dynamic. He’s black & broke with an overweight WW partner & a biracial child. Typical. We’ve seen this before. He’s 28, so he’s young & she’s older than him. This compounds the problem. I suspected he had little financial contribution or none at all when they spent so much time talking about her income & job. He had the nerve to have a problem with her wanting to do the “RV travel thing” when he doesn’t bring in no where near enough money. Most of “their” money comes from HER INCOME. They’ll break up, eventually. This dynamic is not healthy. She’ll grow to resent him & not respect him, if she even respects him now. And then, because he’s broken up with her, he’ll use that as a license to be a deadbeat father. I feel bad for the child because she’ll suffer the most from this degenerate & dysfunctional situation.
Math didn't quite make sense but this is an edited presentation. More and more people are uprooting themselves to live their best lives, and that's always a good look. Cheers!!
I see a nice house for them in zip code 64154. 4 bed bath house for 450k. They need to both double up on jobs and payoff the mortgage ASAP. If they're focused they could be mortgage free in a couple years. Then house hack and use all their income to travel the traditional way... Flight and hotel. A week in a hotel with flights and food is $1600 weekly?? That would give them like 30 weeks of 🧳 traveling!!
How do you raise a kid stabily like that tho? What happens when it's time for the kid to start school? Where y'all parking when you sleep at night/go to get food? Not allot of places just allow an RV to sit there for hours...
Usually people like that homeschool their children. However I do not see the husband being able to do that. He does not seem like much of a planner or critical thinker. With the mom being the full time provider they would have to go into more debt hiring someone to homeschool.
Beautiful family. Wishing them the best. Over 100k in vehicle and credit card debt with only 15k is not good. Would be more beneficial to get rid of the credit card debt immediately and budget better. Try to see what can be reduced. The food bill can no doubt be split in half to 1500. In 3 months, they would have saved up the $ in baby's account and more. Also, they need to set up an emergency fund of at least 3 months expenses separate from regular savings. They will be alright.
For all the people in the comment section wondering and asking why the black dude isn't working being 28, Jaylyn clearly stated towards the end that he was looking for work. Although I agree going back to school for photography is a waste of time.
They should payoff a house ASAP with extra unused bedroom bathroom suite to house hack. In the Midwest can get 4 bedroom bathroom house for 388k??? They need to buy that, and double their income a couple times with focus, and payoff the mortgage ASAP. Then, using their extra money after groceries, they can travel. This is a much easier lifestyle
@Question everything children don't cost that much if you're willing to be an active parent. Really just groceries. Most parents raised us on less than 3k yearly per child.
Lovely couple. I hope the hubby gets a job ASAP or he can always learn phorography online and already start his offering services now on a part-time basis to help with his family living situation. Totally understand that they are trying but lowering food costs, creating an emergency savings account and installing a better budget would go a long way. Also, they need to start planning for stability one day as their child is 5 years away from grade 1 so a good plan towards that would be awesome and hopefully their figure that out. Good luck to the both of them.
Its great when the kid is young, but when she has to go to school and wants to make friends its going to be impossible. I dont think they should have had kids till they both had full time jobs and were finically stable.
I agree. Having a kid when you want to live a “nomadic” almost carefree lifestyle is not ideal with children. They should of looked into a tiny home in a nice community in my opinion, at least that’s more realistic. Maybe, they do have that planned out since their child is still a baby (I hope😳).
oh my gosh if monthly spending is even around 9k-12k avg they are way over spending...its a given they will over spend for RV/Truck/gas/insurance/maintenance ... but thats required/given when thats your home on wheels + all the miles your driving...i think the food is way too much and if they cut that down to even 1k its still too much over what they can afford on 93k a year (especially given the loans are not even close to paying off yet).
As someone who lived similar to them for a couple years, I know the expenses add up fast as traveling kind of people. And when you become dependent on gas guzzling things instead of alternatives, there's no end in sight to spending. They should be looking for companies to work for that offer perks and savings. It kind of looks like they don't know how far a dollar could go right now.
Wow, this seems insane for me. Their housing costs are huuuge! Why don't downshift? On 60000$ they could by 2 apartments in Thailand or a good house and elite visa for 5 years. Or rent a house for 1000$ and save the rest. Her job is remote, they could live anywhere in the world. I spend 200$ a month on my condo living like a queen here in Pattaya.
I love all of the people in the comments that are so financially astute that they can critique these people. After all most American cannot afford a $400 emergency if they were to encounter one on any given month, but I’m sure each and everyone of you is an exception.
I hear ya! Some people need to figure out long term plans for real. Many ppl out there have not figured out if they have too many small kids, they need to work at home and put the time and do things differently. I have friends that spend more than they can count on the fashions for their kids or their activities but know all the while it is having a good family connection that helps you save. When I had my kid, my Mom was the one helping me out and their Mom was not able to provide. My Mom had the energy and was interested. I eventually gave him a home to live in but taught him to save by working smart
I don’t think the people that can’t come up with 400 are the ones watching this video actually. If you have an opinion on this type of lifestyle then there’s an awareness we have with money. As I sit here with a corporate job, two side hustles, weekend gig and a e-commerce business I’m looking into and with no kids and not married and making 6figures. I think they need to take 20 steps back so they can take 50 steps forward. I think she’s making most of the decisions. Dude knows this isn’t good in the back of his mind. Buy a house build equity for 2yrs then sell it, rent rv out or sell it. This is too much movement going on to early in their lives.
If they could payoff a house in a nice Midwest neighborhood on bus stops, then they'd have no housing costs. This would allow them to have 3k per person groceries and everything else can go towards traveling. A week in most cities round-trip with hotels and food is $2500 for 3 people. You can basically calculate how many trips they can afford.... Using after tax income, they can afford 19 weeks a year of trips.... I'd recommend this life plan over what they're doing now....
What kind of mess is this? And what are they eating? A cow everyday? Dude, please don’t come on national tv looking so dumb loss, chest out please and go get a JOB
Agreed if they both double up on jobs, the could payoff a house in a couple years. That would give them freedom to travel. But would be hesitant to tell a guy getting 24k yearly in unearned passive income, he needs to get a job. Parenting is a noble profession...
Please tell me you are saving your money in at least a MMA or a ROTH and Is the money for your daughter going into a 529 plan? Do you guys have life insurance? Jayln…please get some side hustles going and start bringing in some money to pay down the debt. You can put yourself on Airbnb experiences or another travel app and ppl can hire you as a freelance photographer to take pics of them when you’re in the same area as them.
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I have been seeing so many recommendations about Letton Deb on top comment on every TH-cam video i watched trending, her strategy must be good for people to talk about her
@@michaelvan6675 Such a lonley soul with no love from a woman. Your hand must have arthritis... it's ok to paint your mothers white wall Michael. Your kind is ending
I don't see an expense for health insurance on their budget. I assume his military retirement includes no-cost health care for the whole family. So, that's one major expense they don't have to worry about.
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Please feature more ethnic millennial multimillionaires that actually have a budget and continually invest, not a family that spends uncontrollably on depreciating “assets”.
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Going into this, I was Not expecting them to have such high living expenses in an RV.
I haven’t emotionally recovered from this budget yet. 😬
‘Budget’ laughable
He served in the military and was honorably discharged due to injury and she has OCD yet they are still trying. Living with disabilities yet not wanting to have a disabled life is not easy. Considering the recent experience with death, they seem to be living in the present while displaying potential growth for their daughter. I wish them the best of luck. A family like this simply needs to catch a break and not be judged. When he gets a good steady job, they’ll be unstoppable in their pursuit of happiness.
@Dan you are a kind human with knowledge❤
They’re not disabled 🤣. And they are moving off of $93000. This isn’t impressive
3k/month on food? Are they eating black caviar every day? And only 1k in investments? Man sometimes I just don't understand people.
Lol
$100 of Uber eats 3 meals a day. Pretty easy
Everyone is allowed to live their lives how they would like. They have a plan and if that plan doesn't include paying financial advisors and getting high blood pressure everytime the market crashes that's their choice. Just let the people be - it's working for them.
@@gachalife-gk4qz You are so uninformed that it's sad
Most people, likely yourself included, invest nothing every month. 1k with a child is excellent.
This is HORRIBLE. They have no savings, massive credit card debt and $60K owed on a truck??? NO. He's broke with no job, talking about "going back to school for photography" WHHHHAATTTT??? Hello internet: you can learn on the go. He has no direction which is why they are in this terrible situation now!
Wonder what the husband does with himself all day. If he's looking for work, as he says he is, then it seems like it would have to be a remote job. The wife is the primary breadwinner. If she loses her job, they're in big trouble.
Not the best situation but don’t forget he gets disability from being medically discharged due to serving his country. I think they are enjoying their life and they have a high earning potential.
He's ex-military - maybe he has GI Bill funding or something for schooling?
Typical BM pathology. This specific couple dynamic is a stereotypical BM/WW couple dynamic. He’s black & broke with an overweight WW partner & a biracial child. Typical. We’ve seen this before. He’s 28, so he’s young & she’s older than him. This compounds the problem. I suspected & knew he had little financial contribution or none at all when they spent so much time talking about her income & job. He had the nerve to have a problem with her wanting to do the “RV travel thing” when he doesn’t bring in no where near enough money. Most of “their” money comes from HER INCOME.
They’ll break up, eventually. This dynamic is not healthy. She’ll grow to resent him & not respect him, if she even respects him now. And then, because he’s broken up with her, he’ll use that as a license to be a deadbeat father. I feel bad for the child because she suffers the most from this degenerate & dysfunctional situation.
@@_pitschool U are SPOT ON sis! Glad somebody said it! 😂
I love that they are living their dream but their debt scares me and going to school for photography is not necessary to get into the field...
Insane debts on depreciating assets, 38k on RV, 60k on truck, and 4k credit card + travel expenses. Don't want to come off as debbie downer but they're going to be in the hole for a long time, a commitment of delayed gratification is definitely in order.
They need a second income.
And he is wearing a 6k cartier gold bracelet
@@thyong24 lol good catch, it was too subtle for me, though it really drives the point that they need to change their priorities!
It's interesting everyone is only commenting about their debt - I guess no saw that they have a savings plan and they are paying down their debt but I guess looking at the comments everyone thinks That's not good enough. They have debt yes but they also have a plan.
@@gachalife-gk4qz this guy is on many different comments defending these people for some reason. Must be paid or knows them. 100% these people are financial screwed if they keep up their habits.
I don't understand their long term plan. Living in an RV is not ideal because the RV is not an appreciating asset, like a home. They should have purchased a small house or condo. They are only saving 1K a month and have far too much credit card debt. They really need a solid financial plan.
Hubby needs to go to work. He can build a Photography Business as a "Side Hustle" until the Business supports itself. Meanwhile, throw every dime of his Salary at their debt.
It’s cause he only makes 26,000 a year via his military money. She is leading this relationship which is why she has to foot the bill for it. Men are supposed to lead. Women just don’t get it. They shouldn’t have a payment for a car for $750, they should have a car that is paid off. SMH. They should have no debt.
But also you see how she looks, and you see how he looks( in shape etc..) she is paying cause she HAS too. If he had to foot the bill he would have chosen a more attractive and fit woman. This is how it works y’all lol 😆
@Question everything yikes
@@JNN170 She kinda look like a snack to me tbh
Going back to school for photography? Really? Sorry but that sounds like such a silly thing to do. There’s so many free outlets you can teach yourself no need to go in more debt for photography school.
So they are spending $12,000 a month with only $7750/ month income? The math is not mathing here!
They are using their credit card to fill in the gaps and are over spending.
I would payoff a mortgage ASAP and house hack one bedroom bathroom suite. Then travel 🧳.
They can do this and work remotely from hotels, 30 weeks a year....
If she loses her job today however... It's going to be tough.
If he were to get a job, that would significantly better their situation....no reason why this lady should be bringing in 67k a year while his pension only provides $26,400.
🤣🤣🤣 he said he wanted to go back to school for photography😭🤣
@@Rosie20102 when I heard him say that I was like, “Bruh🤦🏾♂️”
10/10 found the black woman. Hopefully you'll never be the disabled spouse.
Dude got comfortable making a measly 2200 a month.
Kansas City, KS 66112,,, nice houses for 350k for 3 showers. They need to pay that off ASAP. Double their income and dump it all into getting out the mortgage ASAP.
Then use their 93k income to travel.
Get rid of the expensive cars and RV. Just use hotels. See the world if that's the interest. They're making life hard for themselves unnecessarily....
$2200/mo with a wife and child???? He needs to grow up and get a job. I doubt they’ll be together long because she’s going to want more stability once the baby gets school age.
Graham Stephan is gonna have a field day with this one
And Dave ramsey
@@Tesla99 F-k Dave Ramsey......he has lawsuits going on right now for a reason
$12,000 a month= $145,000 a year. They make $93,000 a year.Something doesn’t add up in their budget.
Crazy stupid that they spent $2,800 on food. They gotta learn to cook.
Time for this guy to get a job. He doesn’t need to go to school for photography. They can’t afford it.
I have come to realise that it is someone who works at "CNBC Make It" who has been crushing the numbers incorrectly, because it happens very often with a lot of people they have on this show; therefore, it is most likely the CNBC number crusher who is the denominator.
Explain to me (like I’m 5) how they spend 12k a month but live on 93k a year?
Dude worked 2 years then retired. That's the real story.
For real he worked the system
It said he had a "leg injury," but he seems to get around perfectly fine.
😂 Yeah, no kidding!
@@juliusreed5273sad to say this, also not speaking of all, there are a few servicemembers that join for a few years just for the system. If qualified, they could make double to triple after discharge than what they make as active duty. And here’s a kicker, the disability pension is tax free.
I hope that VA redesigns the system to distributes the pension to help the veterans that are truly in need, not for moochers
$2900/month on food?????
Yes crazy.. I have a family of 6 and spend 1/3 of that in los Angeles
@@84zezar I’m a single man, I eat out nearly every meal, and I’ve never spent more than $700 in a month. Average is $400-500
Where do you eat at usually?
They probably eat out most days
$1400 here and we eat out regularly for a family of 4 lol. They need to cook more meals at home. I get their traveling but eat a bologna sandwich once in a while. She’s $4200 in debt because they spent $12,000 and only make $8k.
So the husband doesn’t have a job, but he does get paid by the military for his injury. Imagine if he had a job plus his pension.
Its unlikely he will ever get a job. At his next VA checkup he will say his injury is getting worse and they will increase his monthly benefits/pension. He will keep this act up for the next 30 years in order to keep getting higher payouts. It’s what ex military guys do.
Its a physical injury. A physician has to exam and sign off on the injury. Mental health injuries in the VA has to get signed off as well after treatment.
When the wife works, I'd assume he's taking care of the baby.
This is a perfect example of what not to do.
Why?
@@loicrose1826 Look at their credit card debit, RV debit, and Pick up Truck debt. All of that on a 93k salary lol
That total debt is less than a traditional home mortgage and they'll pay it off much faster, probably in under five years.
@@SnowyCountryChicken not with their spending habits
@@SnowyCountryChicken They are paying off depreciating liabilities and will have no assets (aka home mortgage) in under five years. Works for now but will be in the same situation 10years from now if they don't make changes.
They couldve done tiny home living or even traditional home. With a military loan they wouldnt even have to put anything down
How are they spending $12k/month on a $93k salary?!?!?!
Yes the math don't add up..🤔
Credit cards. And I’m guessing they took one month and not the average of many months.
Time for the dude to get a job. 2k a month from the military ain't cutting the mustard
They have debts on depreciating assets. RV, truck, etc…
Because they are only stating the salary from the jobs not from side gigs
This guy could make a rv travelling youtube channel, heck i would watch it
I was just thinking that also
The mom mentioned she doesn’t want their child to struggle but they seem to dig themselves deeper into debt, don’t have savings and he doesn’t have a single job to help at all. That sounds like a recipe for disaster. It’s all fun and games if you want to do this on your own but when you’re responsible for another human being, you need to think more responsibly.
Y’all are really good at picking people NO ONE should model their financial habits after.
Lol. So true
Are you looking for someone to model your financial habits after or are you capable of making your own decisions?
😂🤣😂 Agree!
💯
Right? Owing 60k on a truck is absolutely absurd.
This is a financial horror.
I hear a lot of, “I” coming from her.
Is it their dream to live this way or just hers?
That budget is NUTS too.
She’s obviously the leader in this relationship.
Uhmmm she’s wearing my the pants isn’t she.
Is getting a degree in photography really worth it? He could start a business without a degree
Nope. Photography is a useless degree that would only end up with more debt for them. Unless he’s planning to use his GI Bill and pocket the checks, it’s a waste of time.
He more than likely has a GI Bill, which means he’s getting paid to go to school
@@alohaazzie8462 then go to school that can actually be lucrative. If he has a passion for photography thats something you just go and do, no formal education needed. I know a few professional photographers and some make really good money doing weddings or modeling shoots and none of them went to school or got formal training for it
@@biscaynesupercars well yea, what I’m saying is that, most people just do it. You definitely don’t NEED a photography degree, however, the Post 9/11 GI Bill will pay for tuition, his housing (I took mostly online courses, with one course on campus, made $3k for housing), his photography equipment and software, etc. He can still do his work stuff on the side or build a portfolio and he’s still pulling money no matter what
My man your 28 get to work
Seriously. I had this same thought
Literally that could double their income
He's most likely babysitting while the wife is working
Exactly
He’s passively bringing in income from his pension and probably also watching the daughter too
People in the comments are complaining about the guy needing to get a job. But if poop hits the fan, he has 25k yearly passive unearned income. That's more than enough to cover his bed bath costs and groceries through life.
Gosh folks, everyone doesn't need a Range Rover!?!!
It's not enough to cover his child's growing expenses.
@@lenaprice6239 food and housing are the only expenses we need to survive. Everything else is extra. It's easy to afford two people on 12k yearly per person, for them to have safe housing and groceries.
@@lenaprice6239 three lakes apartments in zip 66213 is about 14k yearly for 2 bed bath residence. Plus 2k yearly per person for groceries, and that's under 25k.
If they bought a house and doubled up on jobs for a couple years to payoff the mortgage ASAP, his 25k would easily be enough unearned income to cover 3 people's costs of groceries and housing.
@@lenaprice6239 paying off a 4 bed bath house in 66210 zip would have taxes and utilities yearly of 8k??? Can house hack one bedroom bathroom suite and have no housing costs. Only would have to afford groceries at 3k per person yearly.
His 25k unearned passive income is more than enough to cover several people to survive and thrive, in this scenario too.
I think the bottom line here is, military is definitely one of the fastest ways to get financial freedom. But it comes with a higher risk of death or injury 🤕.
Their debt is not that bad. Most Americans have much higher debt. This husband is a bum. I am old school. The man must be a provider. Amazon is hiring put that camera away, you have a family to feed.
I think it would be pretty cool to be traveling in an RV like that and have 0 debts whatsoever. I think that would feel very free!
That is where we are in life / no debt, a few bucks in the bank & traveling in our small RV. It is surprisingly a lot of work! But yes, freedom!
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husband needs to make some more income and they need to reduce spending significantly. if he wants to go to school for photography they need to cut wayyyy back.
Typical BM pathology. This specific couple dynamic is a stereotypical BM/WW couple dynamic. He’s black & broke with an overweight WW partner & a biracial child. Typical. We’ve seen this before. He’s 28, so he’s young & she’s older than him. This compounds the problem. I suspected he had little financial contribution or none at all when they spent so much time talking about her income & job. He had the nerve to have a problem with her wanting to do the “RV travel thing” when he doesn’t bring in no where near enough money. Most of “their” money comes from HER INCOME.
They’ll break up, eventually. This dynamic is not healthy. She’ll grow to resent him & not respect him, if she even respects him now. And then, because he’s broken up with her, he’ll use that as a license to be a deadbeat father. I feel bad for the child because she’ll suffer the most from this degenerate & dysfunctional situation.
Haha! First thing I thought watching this was, where are the Cynthia G fans!
The dude needs to get a job. He’s 28 and got comfortable with 2200 a month 🙄
He should just be a firearms instructor if he did that in the military
$2800 on food???
I love their nomadic ways, possible with one small child, but I am wondering about the food budget. Do they eat out a lot?
I'm assuming so because it's normally cheaper to prepare your own meals!
They have to be! Usually, cooking at home, you make meals for more than one night. Also, judging from those hips, they are making unhealthy choices.
Small living and big debt. No thanks
Dumb how they don't pay off that $4,200 in CC debt with their $11,200 joint savings.
Some people sure love paying for interests!
you could easily cut your food bills in half! good luck y'all
Math didn't quite make sense but this is an edited presentation.
More and more people are uprooting themselves to live their best lives, and that's always a good look.
Cheers!!
It's kinda nice to see an episode that's similar to the early episodes, where the person is making bad financial decisions, like Alex Pardoe.
A classic lol
It's more realistic
That one was great but his income was so high he could afford the mistakes
$2800 a month for FOOD?! What are they eating?
Look at her
I see a nice house for them in zip code 64154.
4 bed bath house for 450k.
They need to both double up on jobs and payoff the mortgage ASAP. If they're focused they could be mortgage free in a couple years.
Then house hack and use all their income to travel the traditional way... Flight and hotel.
A week in a hotel with flights and food is $1600 weekly?? That would give them like 30 weeks of 🧳 traveling!!
America’s problem:
Buy now, pay later.
How do you raise a kid stabily like that tho? What happens when it's time for the kid to start school?
Where y'all parking when you sleep at night/go to get food?
Not allot of places just allow an RV to sit there for hours...
Wal-mart, RV parks, campgrounds, etc.
Usually people like that homeschool their children. However I do not see the husband being able to do that. He does not seem like much of a planner or critical thinker. With the mom being the full time provider they would have to go into more debt hiring someone to homeschool.
Tiny living is not cheap
12,183 June 2022 but they make 93k annually. 12k*12 months is 144k. They are over spending.
Beautiful family. Wishing them the best. Over 100k in vehicle and credit card debt with only 15k is not good. Would be more beneficial to get rid of the credit card debt immediately and budget better. Try to see what can be reduced. The food bill can no doubt be split in half to 1500. In 3 months, they would have saved up the $ in baby's account and more. Also, they need to set up an emergency fund of at least 3 months expenses separate from regular savings. They will be alright.
What I expected a trailer park family to look like
How did they have 12K of after tax income if they make $97K?
The husband’s money is tax free and they’re probably spending money from savings
For all the people in the comment section wondering and asking why the black dude isn't working being 28, Jaylyn clearly stated towards the end that he was looking for work. Although I agree going back to school for photography is a waste of time.
They should payoff a house ASAP with extra unused bedroom bathroom suite to house hack. In the Midwest can get 4 bedroom bathroom house for 388k??? They need to buy that, and double their income a couple times with focus, and payoff the mortgage ASAP.
Then, using their extra money after groceries, they can travel.
This is a much easier lifestyle
@Question everything children don't cost that much if you're willing to be an active parent. Really just groceries. Most parents raised us on less than 3k yearly per child.
There's only one guy in this story. No need to refer to him as "the black dude".
How are you spending $100/day on food........
Lovely couple.
I hope the hubby gets a job ASAP or he can always learn phorography online and already start his offering services now on a part-time basis to help with his family living situation.
Totally understand that they are trying but lowering food costs, creating an emergency savings account and installing a better budget would go a long way.
Also, they need to start planning for stability one day as their child is 5 years away from grade 1 so a good plan towards that would be awesome and hopefully their figure that out. Good luck to the both of them.
Its great when the kid is young, but when she has to go to school and wants to make friends its going to be impossible. I dont think they should have had kids till they both had full time jobs and were finically stable.
I agree. Having a kid when you want to live a “nomadic” almost carefree lifestyle is not ideal with children. They should of looked into a tiny home in a nice community in my opinion, at least that’s more realistic. Maybe, they do have that planned out since their child is still a baby (I hope😳).
oh my gosh if monthly spending is even around 9k-12k avg they are way over spending...its a given they will over spend for RV/Truck/gas/insurance/maintenance ... but thats required/given when thats your home on wheels + all the miles your driving...i think the food is way too much and if they cut that down to even 1k its still too much over what they can afford on 93k a year (especially given the loans are not even close to paying off yet).
This is an expensive way to live. Idk how they can keep this up
Beautiful family and I'm happy he was able to put in his service safely. They'll be fine.
Living on 93k, but monthly budget of 12,183? …that math ain’t mathin 🤔
That’s a lot of debt on depreciating assets. Cute family though.
As someone who lived similar to them for a couple years, I know the expenses add up fast as traveling kind of people. And when you become dependent on gas guzzling things instead of alternatives, there's no end in sight to spending. They should be looking for companies to work for that offer perks and savings. It kind of looks like they don't know how far a dollar could go right now.
Wow, this seems insane for me. Their housing costs are huuuge! Why don't downshift? On 60000$ they could by 2 apartments in Thailand or a good house and elite visa for 5 years. Or rent a house for 1000$ and save the rest. Her job is remote, they could live anywhere in the world. I spend 200$ a month on my condo living like a queen here in Pattaya.
Beautiful family, much love to this couple ❤
He can also work from home I’m sure, why is she the breadwinner?
Yall need Dave Ramsey in your lives big time! Lol I mean wow. That's all I can say.
Living homeless on 93k a year.. lol
That's not nice 😂
as much CC debt as they've given their kid in savings already. Using the CC to get points yet in debt... yeah, that's not why they're using it.
I love all of the people in the comments that are so financially astute that they can critique these people. After all most American cannot afford a $400 emergency if they were to encounter one on any given month, but I’m sure each and everyone of you is an exception.
$400 is such a minuscule amount of money.
I hear ya! Some people need to figure out long term plans for real. Many ppl out there have not figured out if they have too many small kids, they need to work at home and put the time and do things differently. I have friends that spend more than they can count on the fashions for their kids or their activities but know all the while it is having a good family connection that helps you save. When I had my kid, my Mom was the one helping me out and their Mom was not able to provide. My Mom had the energy and was interested. I eventually gave him a home to live in but taught him to save by working smart
I don’t think the people that can’t come up with 400 are the ones watching this video actually. If you have an opinion on this type of lifestyle then there’s an awareness we have with money. As I sit here with a corporate job, two side hustles, weekend gig and a e-commerce business I’m looking into and with no kids and not married and making 6figures. I think they need to take 20 steps back so they can take 50 steps forward. I think she’s making most of the decisions. Dude knows this isn’t good in the back of his mind. Buy a house build equity for 2yrs then sell it, rent rv out or sell it. This is too much movement going on to early in their lives.
lovely innovative couple , lifes a lot easier when you posses creativity and problem solving skills
He got it made🤣🤣😂
We make $260k annually and don’t even bring in $12k monthly lol. Wtf.
Your numbers not adding up 260k way more than 12k a month
@@eduardocod8924 don't forget taxes
It's not way more than 12k a month, but roughly in the highest tax area that should be at least 14k a month for married.
13k if single after taxes.
I thought food would be #1?
Call me dumb. I had no clue that you could be diagnosed with OCD... I thought it was just some random thing people claimed.
They're a beautiful couple.
Hey man, you're a king, fix your posture, while sitting down you look like you don't have a say so in nothing...
If he’s a Kang, where’s his kingdom? The wyt woman is the man here. Didn’t you see her saying a lot of ‘I’ ‘I’?
@@candyjamaican His body language while sitting beside her is like she runs everything, I guess due to his limited income.
@@candyjamaican 🤣🤣🤣 all facts
@@brittishcapelle6508 And they’re in debt up to their necks. Why? Just why?
@@candyjamaican They have a plan..Also, we've all had and/or have debt .My concern was his representation as a black man.
This is amazing I’d like to see more videos from CNBC meeting with people living in nontraditional homes
Cute family! Best wishes to them.
If they could payoff a house in a nice Midwest neighborhood on bus stops, then they'd have no housing costs. This would allow them to have 3k per person groceries and everything else can go towards traveling. A week in most cities round-trip with hotels and food is $2500 for 3 people. You can basically calculate how many trips they can afford.... Using after tax income, they can afford 19 weeks a year of trips....
I'd recommend this life plan over what they're doing now....
:0 you guys are my neighbors!!! D: and proud military spouse too!
L
My boy chillin
What kind of mess is this? And what are they eating? A cow everyday? Dude, please don’t come on national tv looking so dumb loss, chest out please and go get a JOB
Exactly 🤣🤣
Agreed if they both double up on jobs, the could payoff a house in a couple years. That would give them freedom to travel.
But would be hesitant to tell a guy getting 24k yearly in unearned passive income, he needs to get a job. Parenting is a noble profession...
Haha. Someone always needs a mecanic or a plumber in middle of nowhere USA I hear...
how they spend more a month than they make
Amazing girl name - Journey !
Her dad must be real proud 😂
Maybe "her dad" lives in a mobile home 👍🏼
@@thinkforyourself9334 maybe her mother bFlanCkS Nxxxxx aswell 👀
🤣
And what exactly do you mean by that? Explain it to me.
@@Blueskydaisy000 which part there's alot to unpack 🤔
Please tell me you are saving your money in at least a MMA or a ROTH and Is the money for your daughter going into a 529 plan? Do you guys have life insurance?
Jayln…please get some side hustles going and start bringing in some money to pay down the debt. You can put yourself on Airbnb experiences or another travel app and ppl can hire you as a freelance photographer to take pics of them when you’re in the same area as them.
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Wonderful family. It would be awesome if they made a youtube channel about how they live! I'd follow.
Inspiring!
What a lovely couple. Go for your dreams guys.
Not really
@@michaelvan6675 Such a lonley soul with no love from a woman. Your hand must have arthritis... it's ok to paint your mothers white wall Michael. Your kind is ending
Awe!! Love this!! That’s my friends!! ♥️
Wonder where the ring money gonna come from if he plan on marrying……
I don't see an expense for health insurance on their budget. I assume his military retirement includes no-cost health care for the whole family. So, that's one major expense they don't have to worry about.
Daughter going be mad asf if she grow up in a RV
She wouldn't know any other way....
You guys should get Eric Floberg on here it would make a great episode.
Travelling RV is c cool 😎!
Incredible person who is reading this. Want to let you know that EVERYTHING IS GOING TO BE ALRIGHT. Blessings upon blessings come to you daily. Everything you need it’s on its way to you! Be ready to receive! You are healthy. You are strong. You are capable. True wealth is coming for you. You are blessed beyond measure. You are loved so much by many. Receive this TRUTH! Bless you always with everything great you deserve. You are greatness! ~❤️Nat
AMEN
Thanks for your service
Please feature more ethnic millennial multimillionaires that actually have a budget and continually invest, not a family that spends uncontrollably on depreciating “assets”.
THEY GOT SOME BILLS 💵💵💵💵💵💵💵 .. THEY MAY BE LIVING SMART.. BUT THAT WALLET BUDGET AINT SMART 🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔🤔
Awesome couple, get rid of that car/credit card debt though.
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