Why Call Us For Help If You Don't Do What We Teach?
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Her “wellness” says it all…
"Being broke is gonna mess with your wellness too" MIC DROP lol
😂
For real 💀🤣🤣🤣🤣🤣🤣 she can’t get herself and life in order and mental health and wants to work in that field.
😂😅
Dave is savage lol😅
My mental health suffered listening to her complaints
lol. truth
😆😂🤣
You made me snort-laugh. Lol!
🤣🤣🤣
This girls has a hard time dating too.
"You cant make up math and call it wellness". This is why Dave is awesome.
Even if there are legitimate mental health issues, you cant use those as an excuse for everything that isnt "what I want".
this whole call she is putting a mental health roadblock in front of everything that isnt "my preference".
I think with the recent cultural shift in awareness for mental health, (which is a good thing), its given birth to a trend of use "wellness" as the excuse for doing whatever you want and avoiding unpleasant things.
Yeah she sounds so stupid and unappreciative. She obviously chose a “fun job“ that doesn’t pay very well, and now she’s complaining about where she lives. She just sounds like the kind of person that doesn’t have Jesus and will never be happy no matter what she has, but she wants to pretend like her problem is where she lives
She obviously can’t afford more housing, so she needs to just be happy with where she is. As a landlord, seeing people like her gives me such a big headache. They come in wanting to see the place, they complain, but then they don’t have money to buy a better place and they know it. All they do is window shop and waste time, it’s soooo annoying and unfortunate. People like her are stupid and need an attitude adjustment
@@charlesg7926 she obviously can she is making about $83k/yr theres no way she cant afford 1300 rent on that new place she has a spending problem if she cant.
@@kelvinpang438 you talk like 83k is big money. In Vancouver, that isn’t squat.
I agree. "Mental health" has become an excuse for doing stupid things. People need to make smart decisions and stop making excuses.
I’m from Vancouver. This woman is literally everyone
This woman is counseling children. Let that really sink in. This woman is having a significant impact on the mindset of children.
Terrifying....
You're right. She doesn't know everything, so she shouldn't counsel children. You're a genius.
The mental health crisis will only get worse. Blind leading the blind.
@@doubleoblit so passive aggressive 🤣
@@doubleoblit when her own priorities are back asswards, absolutely.
$40 an hour making 70k a year!?!? $1300 a month is nothing. Her money is going elsewhere.
IKR. You can tell she's the girl who gets together with the girls to drink $12 margaritas and trash the men in their life, and buys the new iphone the moment it comes out.
A lot of Americans don’t quite understand the taxes we Canadians pay both federally and provincially. BC pays some of the highest taxes in the country. That being said, she still can afford the rent.
@@cv9938 Not exactly. She might be paying provincial health care fees plus she might not have any prescription coverage at all. Free health care isn’t free.
@@debtfreeforcanadians9386 Oh yeah we forget about amazing Canada and its "free" health care. I make 76k and have great health care coverage for me and my son and my takehome pay is $4,500 per month. LOL Canada. America's hat.
She might not get a full 40 hours in the non-profit sector.
God I love Dave. Why did you call if you don’t do what we teach. “Because I would like your advice” girl I hope you look at these comments are you’re about to be dragged.
she wants to take advice on her terms. She can't cherry pick what part of a plan to follow. she can't skip steps because she doesn't like them. But I digress, she makes over $80k/year and she can't afford to get a nicer apt? Doesn't add up.
She needs it. I can tell by how she talks she needed this
All the way to the basement.
@@hmj8469 shes from Vancouver. As Dave mentioned real estate is disgustingly expensive out there. She COULD afford a nicer apartment but she probably spends $8/day on her starbucks. Typical person from Vancouver.
Had a friend just like her. I could give my friend advice on almost anything and he will never even consider actually using it just makes me facepalm like "Why did you ask for advice if you're weren't going to take it".
You can tell this caller isn’t used to having to sacrifice to meet a goal.
Everytime they offered a solution, she introduced a new problem. She's not sick and tired yet...
I think she's falsely equating "mental wellness" with "absence of stress". They're not the same.
I agree. I think this is a big problem in our culture. We've seemed to ignore thats normal stress, sadness in life and anything outside of happy gets labeled as mental illness or "my anxiety" or "my depression"
@@random-nz7dy Yep. I deal with some depression but I still consider myself mentally well. I deal with stress but I'm still mentally well. I get anxious at times but I'm still mentally well. It just seems like an excuse these days.
@@random-nz7dy Totally agree!!
Kind of. She’s blaming mental health because she is unhappy - the reason she’s unhappy is because she’s trying to do everything except get a husband and fulfill her role on the earth as a wife and a mother. She studied child care social work to help other people’s kids but can’t help herself.
Yes, but living in a basement apartment really wouldn’t be good for you.
When Dave gives it to pepole straight like this I love it
I like how Dave got straight to the point.
This caller sounds like emotionally she’s a teenager. Her emotional wellness would improve if she started maturing to deal with the real world
Unfortunately, that describes 45% of the population.
Yes the sounds like an 18 year old
She’s a liberated women, how dare she grow up.
I’m stuck too because I want to be a millionaire, but I don’t want to work anymore and I want to go out and buy a brand new car. I can’t figure out why this isn’t working.
Hahaha!
Maybe throw in a few luxury vacations too while your at it.
😂😂 That about sums up this call
I can tell you right now Dave she loves hearing herself talk and not listen to you.
lololol
Lilbit Joseph, you may be right. And I feel like I'm missing something, though I've not viewed the entire video yet. She said she makes $40 an hour. So, 25% of her income (if she working 40 hours per week) would be somewhere around $1,700 per month for rent. I'm not understanding why she can't easily find a better place to live while making $40 an hour. Is she working just part time? Emotionally, she does not sound like she's ready for the next chapter in her life.
@@jdstep97 My same thought.
@@jdstep97 It should be 25% of your take home pay. 40 dollars an hour isn't her take home it's pre-tax. Canada has fairly high taxes too and very expensive fuel.
@@dedalliance1 yes I agree!!
"Ambivalence is much more stressful than actual hard times...so, pick your pain." Good quote
I copied that quote down into a notebook when I first watched this video.
What does ambivalence mean
@@ashley1872 Ambivalence means not having strong feelings toward one side or the other. It means being unsure.
Good quote.
"Being broke will also affect your mental health". So true, and of course for some people the way to feel better is to shop.
I have to smile when I hear call-in people who get set straight by the host. You go Dave.
She obviously can’t afford more housing, so she needs to just be happy with where she is. As a landlord, seeing people like her gives me such a big headache. They come in wanting to see the place, they complain about wanting better but then they don’t have money to buy a better place. People like her are stupid and need an attitude adjustment
Like I have renters come in to see my basement rental, and then they say how the top two floors of the house look better. It’s like dude, obviously you can’t afford to rent the top two levels of the house so what are you even talking about?
@@charlesg7926 how much profit do you make each month off of people who are just trying to keep a roof over their head? Just wondering Mr. Landlord. Shame on you for judging people who are just trying to live.
@@mothergourmetcanada Shame on you for thinking I’m bad for owning real estate. It’s a business just like any other biz. That’s like you shaming grocery store owners because they sell food that people need. You’re not entitled to it for free.
@@mothergourmetcanada also, nobody is “shaming them because they need a place to live”. I’m pointing out the stupidity of *this one specific individual girl* , who is whining about wanting a nicer place when she can’t afford it. All she’s doing is wasting time and being negative
When you give somebody good advice and they answer you laughingly with “yeah I know i should” it usually means they’re not going to do anything. The stupid giggle gives it away
Caller: "My living situation is having an impact on my mental health."
My response would have been: "Have you tried walking outside?" or "Do you live in a prison? If not, you have the ability to walk outside and go for a walk." Exercise has been proven to have mental health benefits.
I understand what you’re saying but I know I could not live some place with no windows. I would also be depressed. Everyone and every BODY is different. Some people are fine to be inside a dark room all day and function just fine. I cannot. I need the sunlight. Is it helpful to go on walks-absolutely, but that’s not a realistic solution to the problem.
@@amandawalker1196 OK then get a high-paying “hard” job, instead of a low-paying “fun” job. Or marry a rich guy
This caller chooses to date hot/tall guys that are broke, so she doesn’t get a boyfriend to help her financially. Then she chooses a fun career, that doesn’t make much money. And then she wants to complain about her living situation. She continually makes bad financial choices in every aspect of her life, and then wonders why she can’t afford a better rental? My god lady, get a clue
I basically live in the dark cause all my windows have blackout curtains and I only go out at night because the sun and I disagree.
I mean it's Canada, if you wanna walk in -20 or -30 degree whether go for it. She doesn't live in Miami.
Dave ramsey is the only ramsey personality I like. Dude just gives it to callers straight. No fluff
Me too.. I think that's because only he's got the experience that no one else really does at Ramsey
@@NaNa-lt1po Yeah, but to be fair, they haven't been doing this as long as he has.
@@Musicienne-DAB1995 the other personalities are too beta and nice
Yea it’s going it’s to fall whenever he leaves
The puppets aren’t as direct and don’t want to tick off their callers. Dave doesn’t have to care about that. ☺️
Why they call? Just to complain..
I hate when people use mental health as an excuse, just say you don’t want to live where you currently are. She feels ‘ stuck’ that’s a big difference from mental health issues
It's troubling when people use mental health as an excuse, because it minimises those with serious problems. Furthermore, it encourages a state of learned helplessness over things that you can and should change. Wellness is not permanent, and some people have no choice but to get on with life, even when they are suffering. I can testify to that after a traumatic year. I have kept on writing, taken steps to get out of debt, and rebuilt my business, all while having serious bouts of depression. I am not saying that to boast, but to demonstrate that you cannot wait until things are better before taking action.
She isn’t willing to make sacrifices- live in a basement apartment or get a roommate. I get the mental health piece, but you have to be willing to follow the plan to yield the results.
If her mental health problems are so severe then there are places to go for that like asylums anyway
I love when Dave lays down the law and tears into people!
People getting realllll soft these days. One of the most notable things that you can do to improve your mental well-being is getting rid of stressors in your life that cause anxiety. I.E. paying off debt to get out of financial stressors - because money is the root of the majority of stress that people have in their lives. Additionally, this girl is either too scared or too arrogate to look at herself in the mirror and make adult decisions. Mascaraing your "wellness" and "mental health" as priority number one while you literally sit on the keys to your own decreased anxiety is the epitome of self-centered and irresponsible. It's going to the doctor and getting diagnosed with lung cancer and claiming your chain smoking habit isn't the problem.
Nailed it.
Agree 100%. Not minimizing mental health at all. However, some use that as excuse for everything.
@@angiebookworm When people use mental health as an excuse for poor decision-making, it is they who are minimising mental health.
She should pick up running; it's a great stress reliever.
If you could pay off all your debts today why would you not want to pay them off? That makes no sense just pay off your loans and then you never have to worry about that again
Canadian student loans are interest free for the first year after you complete your degree. She isn’t paying anything on them right now, that’s why she said they were irrelevant.
@@murderofcrows7738But they aren’t. She’d rather let the sit there and pay them when they have interest? So instead of paying them off completely today, she’s going to pay more? Make that make sense?
She’s going to pay either way. Might as well pay the least amount she can instead of paying more.
There’s nothing wrong with her “mental wellness”, she just wants to justify her upgrades and debt.
$40 an hour and can't afford 1300?? Make it make sense
You did NOT pay attention 😅
Canadian dollars, BC tax rates, Vancouver rent prices... even after that though she should be easily able to be in the black unless she's got a spending problem (if so that should be the crux of her psychotherapy)
Mental wellness activities.
Buy a happy light. They're about 45USD. It helps you deal with the lack of light in the winter
Hahahahahaha
Classic case of “I am my own worst enemy”
Dave cut straight to the chase where George was going round and round
George always goes round and round.
I think he was trying to figure out the problem so she could figure it out. You can tell someone the solution but until they realize the problem and figure out the solution on their own, nothing will happen. Dave knew she wouldn't do that on this phone call so he cut her short.
Everyone wants Dave’s advice until it’s directed toward them
She should be able to afford $1500 a month rent. I don't see what the problem is
Me too 75 k + a year seems enough to rent a bedroom
That’s not the point
She should humble herself and get a husband. Or she should go to therapy for her “mental health.”
Bear in mind those are Canadian prices, after taxes and payroll deductions her take home is probably ~$55k and food, gas, utilities are pretty expensive here... but you are correct even after all her monthly non-housing expenses she should have close to $3k/mo to work with. $1500 gets you a slum in vancouver and it eats up probably half her available income, but it still leaves her with enough left over to be able to save close to a thousand a month.
She likes to have fun, for mental wellness.
You can live large and be broke or you can live frugally until you can live large and open up options in the meantime.
Victory requires sacrifice.
This was a case of "I just graduated and I want everything to just be exactly how I imagined, can you wave your wand for me?"
Talk about a rationality problem.
No wonder she is single…
When I heard “prioritize my wellness” as a response to why she doesn’t want a roommate, I thought - wow, we’re doomed as a society. 😂😅
Haven’t listened Ramsey in a while, but what he said on anxiety is spot on. Once you make a choice, you’re no longer ruminating and that makes everything a lot less stressful
Yes I love it when Dave puts these people in place and show them reality. Enabling people and telling them what they want to hear is so sick.
Facts
I’m surprised Dave didn’t ask her why she can’t afford $1300 rent with $40/hr income lol. People with over 70k income could afford 2k rent if they are smart and wanted to.
If she wants to rent a 1 br apartment in Vancouver, close to $2k/month
She is in Canada not USA
@@alp.9672 that doesn’t mean anything lol, I live in LA and it costs probably the same if not way more than Vancouver
@@erichsu3624 She's paying much higher taxes and deductions.
@@erichsu3624 Take home on 70k is 53k, so $4400/month. 25%of that is $1100.
I totally agree with the debt free part. Use the investments to clear up the debt and start fresh. Speaking from one that did use some investments to become debt free, other than the mortgage, it makes other expenses mush easier.
Agreed. I did something similar-not with investments, but I took a look at what assets I had that I could leverage, namely my intellectual properties, and I sold the audiobook rights to some novels I wrote to an audiobook publisher. They gave me a really nice advance, so I used to to pay down a ton of debt, and in the space of three months, I paid off almost all my debt, save for student loans, which I’m hammering down on now. It makes handling all my other bills SO much easier and less stressful just having this one debt left instead of all the other debts I had before.
@@jessica_meigs Well done! As a writer, this is inspiring.
what's more, if she did that, she'd probably have an easier time getting a mortgage because now she has no debt to limit her borrowing options.
This lady makes more money than me, and i live in MIAMI.
Your world changes when you decide to stop looking for excuses, and instead start finding solutions!
Had a friend like this. Doesn't matter what the math says, they're living on their own no matter what.
$80k a year is doable as a salary in Vancouver, BC. It's hard to save and invest off of $80k, though. High taxes, high CoL, etc. Saving $10k, or even like $6k, in rental costs, would probably go very far in "mental health" facilitation.
My household income is double of that and I would still not live in Vancouver. This lady is delusional if she thinks Vancouver offers the highest salaries in Canada
Canada has more social programs than the US though, so not as much need to save and invest. Those higher taxes are going towards your retirement already.
You know it’s not serious when the caller reads a long list of emotional bullet points from a paper while giving off nervous laughter, because they know Dave is about to tear into them
I JUST LIKE HEARING YOUR VOICE
What a creep!!
$40 an hour x 40 hours a week x 52 weeks a year = $83,200
$1,300 a month in rent x 12 months a year = $15,600
$83,200 - $15,600 = $67,600. Why can’t she live on her own again??
Not making excuses, but she would pay a lot in taxes and gas in Vancouver is roughly $4.75 / Gallon. Vancouver is expensive
Vancouver is one of the most expensive cities in the world. She may do a lot better in a smaller city right outside of Vancouver. Why did she call in if she doesn't follow any of Dave's guidance though? 😄
@@saulgoodman2018 But it's the best way. This lady is just making excuses.
Dave is very suspicious of big cities. Agree about why she called for advice she doesn't want to take. You can't have it both ways.
She could move to Calgary which is not so much further away. Salary is decent and living expenses are cheaper
penticton drum heller red deer nelson
She should move to Alberta, possibly a wage increase and guaranteed more affordable rent. If she's single with no kids it would be so advantageous to have a room-mate, she can start on financial goals today.
I don't think she'd bother. She has more money in a brokerage account than she has in student loans, but she refuses to pay it off. She sounds like the Starbucks coffee, Apple products, and Nikes type. This is your typical student loan generation and the reason why I'm not for student loan debt cancellation. These kids need to learn how to prioritize.
We don't want anymore of those types of people in Alberta.
@@sblijheid And usually, that kind of people is from big places like Toronto and Vancouver and living in the rest of the country would represent the end of the world for them. Meanwhile Trudeau is printing them tons of money in exchange of votes and guess who are the idiots who will pay the bill.
But not Calgary, rent is almost same as Vancouver.
Medicine Hat great city very cheap
As a 24 year old I needed to hear this... It's hard not to want good living conditions...
Live frugally for 10 years after college and save money for later.
Yes agreed. We all
Wanted better at 24. This is why you work, save, find jobs that allow you to get out of those types of places to live. Delayed gratification has many benefits.
When she said Vancouver, I knew where this call was going.
Um $980? That's like 2016 rent prices. She could afford $2000 on rent if she wanted on that wage. She probably has a $800 car payment 😩
I know that's what I was thinking. She probably spends like over 1k on car and insurance.
@@fabbz94 probably spends $200 per week on Starbucks and fast food.
Yep, the math is not adding up
No she can't. 1/3 income after taxes with 70k is just under 1400
I like that she wrote down everything so that she didn’t go off on a tangent. You can definitely tell she’s reading.
Hilarious the way that she describes her apt as a dungeon that is harming her mental health, and you know where this is going.
The majority of basement suites in Canada are illegal for the very reason she described. No windows. I lived in one that had mouldy carpet and no insulation on one side. Took me awhile to figure out why my bread wouldn’t rise.
I love when Dave turns them off lol 😆
This is hilarious to listen to someone pretend like not being able to afford a nice house is a mental health issue. I wish my grandmother who survived the great depression could hear this idiocy. We are a society of spoiled brats who act like we are entitled to everything.
Ur hateful comment doesn’t help
@@divyasrirajyala6517 Your* chastising comment doesn't help either. At least @haywood comment was funny.
She’s living in an illegal basement suite with no windows so she has no natural sunlight. That’s worse than solitary confinement. She’s not wrong on that. She needs to leave Vancouver. Even move to a suburb and commute would be better. That’s what people do.
@@JewelBlueIbanez worse than solitary confident your funny.
@@caseysolomon2110 so is ur logic
one thing I learned is when someone ask for help give them room for one maybe two excuses. Like around 3:22 if you keep going they will find a way to justify anything
Get some lighting, make a fake window with Led tubes. We have one at lowes that tricks me every time I walk by it. The light is so real. Good luck
Why can't people make their own decisions without calling a radio talk show ?
And Dave tells her to do as he says instead
So true. Most of these people are going to do whatever ill-advised thing they called to get approval on anyhow.
The people who call in are people who make really bad decisions.
Girl. Pay the debt and move like they said. I wish I had enough money in an account to pay my debts off. Breathe easier.
She's a know it all who doesn't need help
People these days want everything to fall perfectly into place on their on terms and timeline. Sad and delusional
Well said!
Yes. I have had this problem many, many times: waiting for the 'perfect' time to do something. It doesn't work like that.
Loved the music at the end
Yesssss
DR is straight to the point & has no filter, tells it how it is! The caller is shocked for “wellness”
ppl are using mental health as an excuse way to much now. went from not talking about it to everyone talking about it
Once again, swung too far in the opposite direction. The same could be said for so many other 'movements'.
Exactly. This stupid social trend of using false equivalents to excuse irresponsibility is asinine. Impulse spending and financing things you can't afford isn't even in the same ballpark as mental health.
This could be one of the best Dave Ramsey Wisdom Waterfalls (is what I call them) (I used to call them D. R. W. rants… but I don’t like the connotation👀😀✨)….
aaaanyway, I believe this is one of my favorite. Both of you had such great balance in that phone call.
God bless you and yours.
I’ve called.. no connect yet. But, I have faith.
Thank you all so much. BDIII
It's unbelievable how people call Dave and want him to Green light stupid ideas.
LoL!
Called looking for approval of her plans. Called the wrong show for that.
So true that open loops cause stress - make the decision and move forward!!
YES.
Dave keeping it real!
I have a friend who inherited $400K and has $300K in student loans, logic would say: pay it off but you can get guess what they did…
What?
@@SummeRain783 new truck yeee yaaa
I hate people like that.
Having a career in helping people mentally is wonderful, but someone's "mental wellness" becomes such a loosely defined concept that's it's used for anything you don't like
well said, dave. this caller... lol.
This is such great and sound advice.
We call them "askholes". They ask you for advice, and then go do whatever they wanted to do, or whatever some idiot tells them to.
Then later, they'll complain about the terrible result of their actions, and portray themselves as guiltless, helpless victims.
Alexandria is the kind of girl who fights for the rights of house plants.
These are the woman that’s available for me in the dating pool it f in sucks😂
Lol-that’s because they aren’t available cause they are working
A husband would provide stability and she’d flourish.
@@genxx2724 She’s too proud to get a husband. She’s trying to do everything else except that and she’s struggling. I have no sympathy
@@genxx2724 tyoure talking about this caller? So if someone comes a long takes care of everything for her? LOL
@@Originalman144 We women are under pressure to be capable and independent before getting involved with a man.
I refrain from giving advice because folks rarely take it....especially the ones who'd rather complain than hash out solutions
Working full time at $40/hr is $83k, which is $5k per month after taxes. She can’t find a nice place to live making that? Either she is looking in the posh part of Vancouver or she ain’t working 40/week.
Even though I find this caller's behaviour inexplicable, I used to be that kind of person. And the ambivalence and excuses I made did enormous damage to my mental health. Dave Ramsey is absolutely correct: make a call and move on.
Best Dave video in a while
Verizon is offering a free iPhone 13. I decided not to get it because of the tax & activation fee and I need to attack my student loan.
Dave is harsh. Love it.
Excellent advice!
This is why I watch Dave !!!!
I lived in a basement suite for cheap while in college. I was never home but to sleep! How does it affect your mental If you're never there and working full time?
Great response
I like that: "pick your pain". :)
Living in Vancouver Canada is no joke. The prices of rentals and real estate is through the roof, $40/hr doesnt go far there. she is better off changing cities if she wants her money to go further and have a nicer place to live. Also everyone in vancouver talks about their "Wellness" the city is something else.
This girl is all over the place. She needs to sit down and look at the big picture.
Pick your pain.
Dave needs to change his intro to DMX barking at people. Haha love it
i love the subtle guitar solo in the end.
The problem is, she lives in Vancouver, which is one of the most expensive cities in the developed world to live in, and I think is in the top 3 in North America. The problem with a lot of people is they insist on living in the trendiest, most expensive areas and can't seem to connect the dots that they need to be able to afford to live there. If she has a place that charges
I have heard the word "Mental Wealth" more often in the last year than I have in my entire life. What is going in this world we live in?
Love the closing music 👌🏻
Not everybody wants to live with roommates but I agree with you overall
Dave is right about "not knowing"
Get 'em Dave!!
I bought a new car because of mental health. I got student loans because of personal wellness. Spare me, lady. Live within your means or get off the phone.