I'm Calling B.S....
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Some people glorify “self employment” so much that they think working for someone else is “below them”. I’m sorry but it’s not “self employment” if you are BROKE and make no money. You need to get an actual job and wake up in the morning. Playtime is over.
I use to think being self employed was the ideal situation. There are plenty of benefits to it and sometimes get to take home a bigger piece of the pie. But on the other hand there can be a lot more headaches and responsibilities that account for that bigger piece of the pie. I don’t mind working for someone else now. I realize they are taking a lot more of the risk and have extra stress and I get paid. I can then invest my money and become “self employed” with passive income streams from my investments.
These kinds of "self-employed" (ie underemployed) people, are usually "self-employed" because they are too arrogant to work with other and to work underneath a boss.
You are so right!!! It’s like calling yourself a “business” owner makes you superior to people who work a job, even though they aren’t making any money.
@@GrumpyCat-mw5xl , absolutely!!
@@thelogicaldanger , I've had friends tell me they either can't work for someone else or refuse to. I think it's one and the same, if you ask me.
How are they married filing jointly with 32k in total combined income, and still are behind on taxes? you'd be paying next to NO taxes with that income
Probably from when he was a server. They Always owe at least a couple grand in taxes at the end of the year
Also as a small business owner if they aren't filing the quarter 940 or 941s that can do it
It’s their business taxes. But she should be making 30k minimum and so should he for 60k total. It sounds like they tried to make a side hustle a primary business prematurely.
They probably don't report all cash earnings.
Did not pay SSA?
That smile Dave had when she said not enough clients was priceless
Any time Dave mentions “delivering pizzas” I want to order a pizza. Mmm
I wanted pizza yesterday, then thought of Dave and literally ate rice and beans.
@@misstrice84 lol! Even better. I love rice and beans to be honest. Gotta cool then beans a long time in hot sauce and spices.
@@tonystone8584 soak the beans overnight!TheN Pressure cook them! Don’t have the waste the gas cooking it, and healthier this way!
Well why haven't you? Indulge and move on
@@117swordsmen happiness can only be found through deprivation. Lol!
Their "businesses" are side hustles at best. They cannot live off 32K. It's time for both of them to get full-time jobs. They can still do their businesses at night and weekends. They need the steady income, insurance and retirement plans that a full-time jobs provides.
A full time job isn't always secured. It's more so about planning and budgeting and making your life work for you. Plus 32k is more than enough if ppl live minimally and budget.
@@LuhRen Trueeee but the first comment is still right it’s definitely to little to be secure.
@@LuhRen Where? Lol
@@LuhRen 32k for two people... Yeah I'm pretty sure that's below the poverty level... I mean I started making 25k a year and that was 30 years ago and that was not poverty. 32k a year in the 2020s yeah that's a side hustle. Not a real job.
@@LuhRen 32k for 2 people is not enough. 1 person it's barely enough to get by.
“He needs to start working 80 hours a week starting today” HAHA man I love Dave!
I agree! So straightforward and refreshing!👍
He would never say that to a woman
@@knightoftheislandcounter3330 He has already...
imagine calling in for advice and it ends up being a roast session about your husband
Lol 🤣🤣🤣
Some need to hear it. I bet the husband drinks microbrews and loves Bernie.
I can imagine it if they call in setting themselves up for the roast due to not being honest or delusional about the situation nor being accountable for it.
Sucks hearing the truth sometimes BUT now they can deal with the actual PROBLEM or stick their heads further in the sand and keep whining.
It should have been a roast session of her as well. Dave called out her husband, but it's not like the wife's proofreading business is doing well either.
LOL! I love how Dave keeps it real and tells it like it is.
Why faith in God, obedience, sharing wisdom with other believers, God blesses
I love Dave he’s the man. CycleCruza your channel is amazing too! Ride debt free. Hope all is well. God bless
Dave is awesome, he tells it how it is, but he also also respectful and considerate at the same time. It is a very good listener, he shows sympathy and he gives firm advice without belittling people or putting them down.
He definitely didnt get to where he is by being the opposite
Let’s go for a riiide
Time to regroup, get steady jobs, and restart the businesses on the side
Lame way to try to gain attention bro…
@@Kaktus965 OK.....
@@Kaktus965 he's right.. 🙄
You can’t even keep your hairline bro. How I’m gon watch you to help me keep my money 💰😂😂😂😂😂
@@Kaktus965 they’re broke, 2,000 in a month and she’s proud of that! That’s pathetic…
These people are not motivated at all. Thank God there are no kids involved.
Great observation for the limited information in a 5 min phone call.
Lol! They have hobbies.. Not businesses.
no one says he can't keep doing the business.. it just can't be his main source of income anymore. it has to be his hobby now.
Well put! That’s the approach Dave should have went instead of calling BS. I’ve always said we can be honest with people but our approach is very important.
@@MrMore2life That is what Dave said in the video. Did you finish watching it?
Excuses minimal work ethic and poor choices are a recipe for a lifetime of frustration
This is just sad. For a married couple to BOTH be starting businesses simultaneously and to be so broke. It was not well thought out or planned for. Dave is right, as usual. Start a new business as a side hustle until you establish yourself, but work a regular job with it.
Or, better yet, cut your expenses when you're planning to make hardly any money for a while.
I agree with everybody here, these sound like side hustles, for now at least.
Both of them starting separate freelance businesses at the exact same time, is a recipe for disaster.
Editing videos and proofreading gigs are on Fivver for $20 a job. Nothing wrong with running your own business but swing for the stars.
I miss your old quality videos 😔
Agreed. The problem isn’t them starting during business, it’s starting their own business for some thing that nobody in the real world wants to pay money for! WHY DONT PEOPLE REALIZE. ANYTHING TECH RELATED CAN BE SUBBED OUT TO 3RD WORLD INDIANS FOR $5 AN HOUR.
@@charlesg7926 so aside from a physical service business like the trades, what other sort of businesses _are_ safe bets in the west?
Any resources you would recommend someone use when considering a business to start?
@@charlesg7926 Video production, itself can bring in a good wage, it’s all about the foundation of the business and logistical sides in bringing in clients.
@@charlesg7926 Yeah that's not accurate at all lol. Video production is in incredibly high demand, I should know. This guy however clearly isn't doing something right.
Dave has gotten better at telling people what they need to hear in a way that they won't feel insulted
Not really. The caller was about to get defensive and make him blow his top, but the co-host ran interference 😆
@@randypeppercorn1865 that's why she's there lol
Anyone stupid enough to think a video editing business will actually be marketable and lead to good pay, is someone who’s biologically too low IQ to actually have a real conversation with. That’s the thing
@@charlesg7926 both of them, video editing and a proof reading business are not something that's going to make you bookoo bucks. They're both delusional
@@mcznbd234 Yup true facts
Theres no way you can't not have a job while you're doing these freelance stuff. Get a job, AND do these freelance things.
Double negative
@@MrDougfunny7 lol
That girl is probably pretty mad at Dave right now, but she wasn’t prepared for the call. Too vague, didn’t know the answers, guessed on some answers, etc.
Yeah, there was a lot of "uhm" and hesitancy to answer... I don't understand why call if you are not willing to be fully honest with yourself
Caller: We're happily self-employed, BUT...
Dave: BS. Get jobs.
They only need ONE answer. Stop being lazy and go get a job... (then if they want a business, let them do it on the side UNTIL it is sustainable enough to stop working). I pay under $10 to my video editor in the Philippines (from Fiverr), how the heck does he expect to live off of video editing in the US?
It's a style of thinking that shows a lack of clarity. Definitely shows how the business is operating.
Two people with a combined income of around 30k...sounds like laziness to me! On both ends!
I have one job and make about 52k. She can free lance while working full time or even part time for someone else. Free lance work isn't steady work.
Agreed
Have you ever tried to run your own business? It's really tough to get started, especially selling services with zero prior customers. Very seldom do people make much money in the first year.
But of course I agree with Dave that they should be working normal jobs concurrently.
DAVE - "How many kids do you have."
Hah, (dave contemplating ON WHETHER To tell her to leave this low performance dude)
@@serleon6165 Her fault she picked him. She’s gotta take some accountability.
The thing about pretty much any creative service business is he can make $2k this month and $500 next month. Over time you build up the contacts, referrals and invest in sales to get a baseline income. We're talking 3-4 years to get to that point without a big upfront owner's contribution. So I agree, he should work for someone for those 3-4 years, freelancing on the side before going solo so this learning curve isn't hurting his family.
How is Dominos or Pizza Hut not a sponsor for Dave? Everytime he could say deliver Pizzas, he could get a cut by just saying “deliver for Dominos”. Seriously could be a beautiful mutually beneficial relationship. HIRE ME FOR BIZ DEV DAVE!!!!
worked full time -> Becoming Self-employ -> Problem with income (32K/year) -> Not enough savings for taxes/medical
I agree with Dave, this is a terrible planning with jobs here.
$32K per year is equivalent to each of them making $8 per hour on a 40 hour work week.
Sounds like more than they're worth.
@@rjh6037 typical democRAT
ummm try half that 40 hours a week times 52 weeks is 2080. 8 × 2080= 16,640 and that's before taxes and insurance
Her key comment was "on taxes". I think they have some cash work?
@@randishierman882 I think you need to do that math again. 40 hours x 2 people = 80 hours a a week x 52 weeks is 4,160 hours a year. 32,000 a year (what she said they make) / 4,160 = 7.69 an hour.
Bruh even McDonalds pays $15/hour now. That's $31k/year.
Before taxes
@@Lighboat011 And then most of those taxes get refunded back
If they both worked at mcdonalds that's 62k a year.
I’ve been self employed for 21 years. It is rough. The thing I have learned the hard way that advertising smartly is the most important part. Until you figure it out, keep your day job. It takes time to figure it out. Everyone who is successful now has failed numerous times.
I wouldn't have left the full-time proofreading job. Whereas I appreciate the goal of being self-employed, it's definitely something you need to get out of debt and save up for.
Facts. That was an incredibly stupid decision. Either way you're proofreading so what's the difference? She could have kept her full time job and also take proofreading side gigs on nights and weekends.
These two need to get off the couch and go get real jobs. Two people making less than $40K?!
I can work at fast food right now and make 30/yr
@@special_k-hvac right??? idk sounds lazy
@@glencoco4844 I been staying home and making more than my old job. Never looking back
The reality is that working full-time at $40k annually is way, way worse than working only 3-hr days doing video editing for $30k. That free time will save you way more than $10k.
@@gorkyd7912 let alone the fact you’re not stuck in some stupid office for 8 hours being yelled at by a boss. I rather be poor and self employed than go work for someone.
he doesn't want to change his way of life. he likes hanging out at home and working when he wants... but sometimes when the going gets tough you just gotta do whats necessary to stay afloat... then hopefully in the future he can go back to it if he grows his client customer base while he does it as a hobby... right now you're sinking
And what about her? Sounds like you can say all these things about her too
@@christophercarrigg3775 Yep. Same goes for her. They both need to go get a real job because right now they are working hobbies.
My oldest daughter had a similar experience with her first husband. He stayed home and worked on his sports odds making website, more a hobby than a revenue generating business, while she went to a real job to support them. He improved, but I think that the respect lost was too much to regain.
My question is, why do women marry these kind of guys in the first place.
@@BboyDaquack They fall in love with the perfect man. then real life happens.
Was she working before the guy started his business? If she wasn't working *before* he started his website, it seems hypocritical to judge the man for staying at home.
If she had been working all along and expected a double income family, then I can certainly understand the disappointment
@@BboyDaquack poor parenting and poor father figure.. Or no father
Yeah, if the plow mules ain't plowing her love stops. Conditional love is what a woman's love is.
How many men keep wives up while they do very little. Barely cook or clean.
I've been in this guy's shoes and feel horrible for him. There is a huge learning curve to starting a business, and starting from zero customers is REALLY freaking hard. Don't give up on your dreams dude!
I’m with you Dave. Excuse makers are everywhere. Elisa is annoying.
These folks don't have jobs. They have hobbies.
Dave is the most honest person on radio
You're not charging nearly enough. As a Lyft driver, I'm making more than that, and I still think it's low. Good lord.
Lol wow Lyft driver. Okay.
@@ErrorPagenotFound-ig1cy do you have a point to make or mocking his line of work?
Honestly I was going to say that's what they need to do Uber or Dash on the side to make some extra money. They can easily double their income if they were both doing that in addition to their freelance work.
@@izzyh.3581 he works for uber duh lol
I’m 16 and thanks to Dave Ramsey I have a better understanding of how to stay away from debt, build wealth, and invest. I have a way better understand of most people my age and older.
Congratulations! Don't let your friends or shiny objects pull you off track! :)
@@KathyAZ I don’t have time for things like that…I have a goal set and my eyes are focused on that
Excellent work. Make sure you don't tell anyone about this. Just keep it to yourself.
Stop comparing yourself to other people
Be humble enough to understand that those people older than you did not have these resources at their fingertips
They are calling her man lazy in a not so nice way 🤣
“ You need to get jobs” lol
When she said 32k a year, I knew a bomb was about to drop… 😅🙈
Funny how they didn't say anything about HER failed business endeavor....
Yea I’m surprised , I think they forgot she freelances too
Probably because she says she is working multiple jobs (uber?, etc...) while doing her freelance gig.
Clean your ears. Dave did.
I couldn't even make it through the first minute of her phone call
He's getting to a point where he's bringing home $2k a month before taxes? He's either not working enough, not charging enough, or not fast enough.
What about her ?
$2k in video editing is like max 1-2 projects per month that take 2-3 days each to complete.
@@aaronharman5431 she said he was getting to that point in his business right?
@@aquabliss9194 I mean it depends on what he's editing and how much he charges and if he's doing revisions. He should be making that $2k in one weeks worth of work easy though and if that's all the work he can get he can go get another job on the side
That's why you put revisions in the contract... So you aren't working on a project longer than you should & it interrupts other projects. And it also took him a year to get to $2k? Editing? That's not very much editing.
It baffles me how every single caller somehow doesn't know what their annual earnings are. You should know that number without hesitation.
“He’s not even a little deal yet.” 😂😂🤣
"Lazy" is the word that is being unspoken.
This is like Gordon Ramsay asking a restaurant why they're failing and they say, "Our food is great, we just don't have customers"! 😂🤣😜
He’s sick of excuses for those who are calling Dave out .
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@Lourd-Bab However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.
@@lennoxmutterick6434 Oh please I’d love that. Thanks!
@@Lourd-Bab Judith Ann peace is her name
Lookup with her name on the webpage.
$2000 a month nearly gave me an anoerism. "Very significant increase" 😳
Wow, videographers/editors I know make at least $2k or more PER WEEK. He def needs to get his hustle up.
Exactly! He’s making everyone who’s successful in that trait look bad because of how poorly he’s set the foundation of his business
Well he apparently was not successful at serving either. He's either incompetent or lazy@@zaccoley
I don't think they know enough about managing money to start their own businesses! They are clueless.
Not money management being the issue, it’s about not having clientele and demand, there’s no money in the business for them to figure out how to manage it. Bad planning, lack of clientele before jumping off the deep end.
No health insurance or benefits
He does not hold back. AT ALL. Dang, fierce and straightforward like always.
$1000 a week delivery pizza? Now I call B.S. Maybe half that.
Depends on the neighborhood - it's all about the tips
This whole “be your own boss CEO” trend has really gone too far.
Why do these people call the show asking stupid questions and claim they have been following Dave for years???? Ummmmmm....DUH!!! You already know what the answer is!!!!
Yeah, they've been following, just not listening and applying.
Sometimes you need somebody yelling at you for you to finally understand it.😂
Can’t save money if you don’t make money. Crazy principle of finances I know
I think its dumb for they to leave their jobs to accept a lower income bc its self employment rather than making side hussles at the weekends.
The duck analogy has me cracking up
Thank God for Mr. Ramsey & his program!
Sounds like they want their “freedom” more than a life.
I wish Dave would school people on how to settle medical bills like he does with past due credit cards. Virtually every medical bill is inflated. The insurance company will refuse to pay most of it, and I can speak from first hand experience that they will generally discount 40% - 50%; if you negotiate for it.
Sounds like they don't have a picture of their "real budget" right now, probably just multiplied his "best week" by 52 and thought he can slack off otherwise.
Sounds like both of them have their heads buried in the sand and don't want to face reality.
Yes. I often times hear people complain about not having enough money, but they don’t have any budget in place. Their excuse is usually “I live paycheck to paycheck, it won’t help because I don’t have money in the first place”.
Dave: He’s not a little deal yet 😂
Get real jobs. Not side gigs.
Right?
kind of hard when you're disabled in different areas but still have great intellect... disability isn't enough to live off of for sure ... worth less than door dash
I had to watch this because calling BS in one of my things I say. You don't save to pay taxes, when earning money you set aside money to pay taxes.
This was hard hitting facts from Dave that was necessary 👏
$2000 a month editing videos is like a few hours of work per week even for a mediocre editor. I used to do this in college and made way more than that part time.
my man about to go from working 16 hours a week to 80 lol
why do all people think having a business is the best thing ever? Sometimes working for someone else is much better
Sometimes. My husband had his own business and a prosperous one, but now he enjoys working for someone who has to worry about writing the paycheck every week. There's less stress and for now, he likes that
It’s overly glorified. Self employment isn’t for everyone but for some odd reason everyone wants to do it. I know I don’t. I always wanted a decent salary so that I can do what I would like when I like. I have that. I’m not self employed and I’m happy.
bE yOuR oWn bOsS!
I see this with folks ever so often ,I call this a expensive hobby .
Get em Dave! 👊💥
Dave lives in the real world and tries so hard to help others
This is exactly why I’ve started my bookkeeping service business .. to help start up and small business just like this . It’s so sad to see someone so excited about starting a business but have no idea on how to run it and manage / make money.
Great service!!
Do you work locally or virtually? What type of accounting software do you recommend for a tech capable person? (Not for just me)
you better get paid in advance if you have clients like this caller. lol
@@larrybud Oh yeah exactly! Lol And that’s why you have to really use discernment with seeing if the client is even worth partnering with in the first place .
@@KathyAZ Virtually mainly but I live and serve in Austin as well . Definitely recommend QuickBooks! Currently I’m finishing the certification training through them and after plan on learning how to in Xero as well . I was taught the “old school” way of bookkeeping using spreadsheets, which helped me transition into QuickBooks easily . Just have to continue to pay attention to details and work with the software and not against it
Why would you quit your full time job to be an Uber eats driver?!
Fun and excitement?
@@tomdalton4293 while staying broke 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
Those in the restaurant industry didn't have a choice here in California. Restaurants were closed and staff laid off. Those people didn't quit.
@@catherineostrom7575 she is in Atlanta though
I quit a very lucrative and stable job back in 2017 to pursue a business on the advice from my business coach (who was very, very wrong!) After living off $2-3k from clients for a few months, I knew what i needed to do. I got a serving job the SAME DAY, a few weeks later got another full time job on top of it, took time off from the business to regroup, paid off alllll my debt (60k+) since then and now can pay people to help me grow my business WHILE bringing home money that allows me to do that. Have dreams, have hobbies, and start businesses. But do it in a way that still takes care of you and your family. I am so happy with the foundation I've built and who I have on my team to help my business and side hustle income grow! Nothing steals your creativity more than the pressure to make it your income, especially in the beginning.
Bravo! Well said and done :)
Freelance, you miss out on benefits, pay crazy taxes (self-employed), etc. Making $30k? That's like worse than minimum wage.
Watching this vid made me feel better about my current problems
"If you ever get annoyed, look at me Im self-employed. I love to work at nothin' all day"
Tell her to get her license caring for elderly... Just taking a class. People are paying $200-$220 a day (cash) in Roswell, GA for elder care. Just go to a few Church on Sunday and ask.
That's true. Definitely see this a lot in that area.
But don't avoid taxes
What license would be required? I’d go back to school for that amount $$$$$
Another idea is to increase the amount they charge for the video business. Sometimes freelancers don't charge enough. But I do like the work outside the home and do this part-time while building up the clientele approach. Build up the business and master your craft before doing this full-time.
I liked the boat ,and the Duck excenple Dave is awesome
Proof reading has changed. My wife got laid off and did the freelance proof reading for a few years. After a while, the work that was out there dropped to the point she had to give it up and took a different job.
How did she pick up her freelance jobs? Word of mouth? Job boards? Seems like nowadays much of that work is being offshored for pennies on the dollar, or made obsolete by products like Grammarly.
Proof reading is non sense. Chatgpt bro.
Gad dang Dave 😂😂😂
I like how Dave has been continuously bringing on his other Ramsey Personalities lately. Also, Christy has been crushing it lately.
Who cares, stop kissing up
@@cogen651 exactly. And stop parroting “crushing it” . So cringey
This is going to be good
It wasn't that good.
@@Water4Mart the title hyped it up
Being a freelancer is real hard. What I'd do is get a job that covers your bills and make your freelance business your side hustle, like I do. At some point if your business grow then you quit your job, also no you don't need to work 80 hours a week, Dave is being ridiculous
He’s talking about digging themselves out of debt. Not just in everyday normal life.
Nothing ridiculous about working 80 hrs a week to get out of debt and get a fully funded emergency fund. Then you can let off the gas.
You kids need to work two jobs each. Quit being lazy. Work 80 hour weeks.
Dave: what do you and your husband do for a living.
Caller: Well we both just separately quit our jobs to become freelance children's toy testers in order to make more money.
Dave: I'm calling bs
They could quadruple their income by working at McDonald's.
Lol pretty sure two people working at McDonalds aren’t making 128K per year combined
the problem with self-employment is the lack of readily available health insurance that's provided by employers.
I call them expensive hobbies
Wow Dave .. doesn't seem you are equally tough on Elisa. She doesn't seem to be working extra jobs and her business doesn't seem to be taking off as well. What gives?
He’s encouraging her husband to be the head of the household and lead in a logical way.
@@GirlsLoveYourCurls but when men want to lead, women say men are trying to be controlling. Are you saying that women aren't logical?
This doesn't sound like self employed, more like unemployed. This is BS...they need to get a real job.
I was freelancer and I got out of it. Is like being self employed is discouraged in this country on how much you have to pay on taxes.
Dave really helped me with what order to pay things.
I love the duck analogy.
Wife can come alongside husband and help in marketing too. You’re a team, act like it.
Dave Ramsey is a cussword in my house 😆🤣😂!
Dave was ready to jump onto the phone on this one lol
Dave savage mode activated
Basically her husband is not a go getter!
Neither of them are
He’s not even a little deal yet 🤣😂🤣😂
This is why as much as I dream about having my business, I know I am not fully equipped and capable to do that yet. Maybe someday.