I Feel Like I'm Never Getting Out Of Debt!
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- เผยแพร่เมื่อ 27 ก.ย. 2024
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Hard to feel sorry for people with that kind of an income.
Especially those interested in shooting themselves in the foot.
Don’t think she wa looking for sympathy 😊
Yeah caller doesn’t know the struggle smh
Debt is still debt. The larger the debt the larger amount to pay off. So it can still be a lot for people
Gad dang. You make 300,000$. Yall can't live off of 150,000$ income. JESUS!!!!
This lady was literally drowning in a 2 feet deep pool 🤣🤣🤣 smh.
Her life does not seem so bad. She was literally acting like her finances are desperate.
She’s just sad that she can’t go out for $300 biweekly mail appointments and $5000 biannual vacations for a year and a half.
I was fucking floored when she said her household income was $200k+. Are you kidding me, they got a big ass shovel for their debt, lord have mercy lmfao
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She doesn't like living lean to pay off debt. She wants to be living in luxury and enjoying the money.
It’s not that she’s tired from before they got that wrong. It’s because she went through all that schooling and now she wants to spend her money, go on vacations, and enjoy her life. It’s an entitlement thing. I could tell as soon as she said she is giving her life to this because I have had many friends say the same thing after college when they had tons of debt but wanted to buy houses. Imagine the entitlement of taking out 220k in loans and feeling it it’s stealing your life to have to pay them back.
Right! That's it!
She's attacking her debt and I applaud her for it, but she is whining about it instead of keeping her head down and attack that student loan debt.
It’s just the reality of her situation smacking her in the face. I don’t know if she’s entitled so much as just overwhelmed. Despite her income having nearly a quarter million in student loan debt is still kinda scary. She just needs to get tougher.
She was really upset when she called. It was awkward.
How is it a chiropractor gets $220K in student loans? does it cost that much?
I love how Dave just cuts right through all he attempts at avoidance:
Dave: "How long has he been out of work?"
Caller: "Blah blah sniffle blah blah whimper..."
Dave:"HOW LONG HAS HE BEEN OUT OF WORK?"
"2 days" "Actually not at all" 😂
The lady actually said two months... a nurse out of work for two months???
She was crying because she wants to enjoy her money and live like her friends.
I paid off $110k in student loan debt as a single person! Why is she complaining? She’s got a partner! Lord have mercy.
She just doesn't want to pay off her student loans. It's hard to be compassionate in this woman's situation.
The best gift that was ever given to me was to struggle and pay off all my debt. What you learn throughout that process and the sacrifices you make will change you forever and not only towards money
Couldn’t agree more!
This is the kind of person that interrupts the couple about to be foreclosed on their house and their utilities shut off to talk about her problems and how “we’re all suffering” like she’s right there with them
She doesn’t realize how blessed you truly is. I would love to be in that situation.❤
Yea, would love to only make $250k/yr
Make less than half that and I am debt free
Respect ✊ ❤
My household income is 34k I couldn't imagine being in that situation
@@bobbybob4680 yikes. Y'all are poor
You can be in her situation. Go spend Many years of your life to chiropractor school. Bush your a** and start your own company as chiropractor and you could be in her situation.. simple
"You have not done enough to be tired." Dave Ramsey Amen.
She’s mad she can’t stunt on the gram 😂😂
I feel so bad for the family making 250k 😂
xD
I don't want her crackin' my back! 😂😂
😂😂😂😂
She's not tired. She's just upset about selling all their stuff.
Yeah, and the fact that she had to make that sacrifice caused her to panic…yet that sacrifice brought them 80k dollars CLOSER to financial freedom.
I love Dave's reaction when she says shes a chiropractor 😂😂😂😂
They make good money. Why is she complaining?
@Jimmy McGill....she hasn't discovered beans and rice yet 😁
It’s that time of the month. Woman tend to be very emotional during their bleeding cycle.
Because they want that 250k lifestyle, the Benz, the 800k home, vacations to Italy and Spain...........
Cuz she’s a woman
I don't know what this caller wanted to hear but it helps when you're truthful about your situation. We aren't just missing a piece of the puzzle with this call, we're missing half the puzzle. If I made $150k (as a single person), I'd be living like a king right now because I could probably get my house paid off in a couple of years.
How come a chiropractor student loan is $220K?
Not in California.
Yes, she’d have a heart attack with my income. And I have a masters degree.
You probably bought a house that matches a person with a lower income. If you made 150k you probably would buy a house that matches that salary.
She said “the debt is so big.”
NEVER look at the whole thing.
Just keep momentum going and keep the total going down a bit at a time.
“How do u eat an elephant?”
One bite at a time.
I had huge debt. I’m shocked that I paid it off. It feels so good.
I needed that, thank you.
She wanted sympathy and him to say she can still have a nice life. The fact the husband is currently part time shows he's not as bothered as he should be. Yes he's waiting on a good job but until that's signed off I would've stayed put.
Call the wambulance.
She has to go French Revolution on her inner drama queen
Exactly lol
300k combined income is uppermiddle class…. Thats a phenomenal income to have….This lady needs to breathe and realize how good they have it
Yes this!
Jade is perfect for this call . She and her husband paid off way more than this lady.
I find it helps me to break it up into smaller goals. Work toward getting the next 50k, then 100k, then 150k, then 200 k. If you look at just the big numbers it is depressing.
Sound like they are living above their needs. You can easily live off $100k-$150k. They need to rethink their finances.
We have been at it 13+ years. Every time we get out of debt we loose all our savings and need to get back in debt because of move or job loss. Slmost done with cc again. I'm 45...and we don't own a home...we are tired
Just evicted Sallie this month. Feels great.
“Somebody gotta come smack you” 😂 😂
Dave gave them a $50k raise out of no where and then ignored that on $250k gross you take home around $180k depending on the state. This is a 3 year plan at best, not a 2 year plan
will agree..hate when dave never figures in taxes,house stuff,kids,daycare...all this stuff adds up
Ok I thought I missed something 😂
Right? I love his math sometimes
@@rooster5755 Agreed. Taking all of that into account would make it harder for him to sell the program as being trivially easy if you are just intense about it. The program works, but not always trivially easy to be out of debt in 1-2 years.
@@rooster5755 When he says living on $150K/year, that's literally what he's referring to. Life and all its costs.
I can't feel bad for someone who makes $300K and makes poor financial decisions.
"I'm rich with 300k income waaaaaaaa" bro i wish i had that type of income. 😂 rich ppls problems.
Income doesn't make you rich when you spend it all ....
"I'm mad we make a ton and don't get to go out to eat every week", thats whats happening. If ypu don't want to do the 100% ramsey plan that's fine, do a less intense version that works for your house. But if you are going to commit to the baby steps then just do them
She sounds tired and like she has totally deprived herself. Maybe give yourself a short weekend cheap vacay. Start getting outside and walking. Being in nature is proven to improve your mood and clear your head. Take up a hobby or set time aside for something you want like reading a book etc. Do something that won’t greatly impact your money but gives you something that’s just yours. It sounds like you need some down time and this will help.
Yes she’s burnt out with life. I get that. I’m in the same boat.
She’s in debt, she doesn’t need a cheap vacation.
Sacrifice is never easy or it's no true sacrifice.
Jade and Dave are the best! Incredible energy!
Even the intense payback budget they describe here is more comfortable than what most American incomes are. They still have survival and fun money on a budget of $80-$100K a year for 2 people with no kids.
Such an inspiring show. Asking questions is key 🔑
She's drowning in a glass of water......🤨
The math is too fuzzy. A couple that earns $300K gross will pay at least $120K in taxes which leaves $180K. If they pay off $150K in debt in that year then they only have $2,500 a month to live on. Not realistic. 🙄
Dave Ramsey is America's financial guru.
Chiropractor is a wrong career choice seriously.. if u own your own practice then maybe it could be better. I am a dental Hygienists wanted to go to dental school to be a dentist but to be honest the student loans for dental school is traumatizing 😳😳😳
wow, she’s had a really easy life if she finds this situation hard… oh well, bless her heart, I hope they pay it back and feel better!
She sounds like a quitter.
When you are making that kind of money, you're looking forward to enjoying it! Not paying the piper for the hard work you put in while you were in school. I can see it. Scrimping to get thru school, scrimping to get started in your career and then scrimping to pay off debt when you are finally making good money! Two more years probably seems daunting! You can do it! Then you can finally get your rewards! I only make $18,000 a year, so living on $150,000 sounds like heaven! When you get discouraged, think of me.
She's not going to do it, probably waiting for loan forgiveness..smh
Umm loan forgiveness only approves a maximum 20k, still not enough. It would help although.
She's self employed, not going to get loan forgiveness
How on earth are you a nurse and trying to get out of vaccines? I definitely wouldn't want him assigned to me.
Nothing beats rich people complaining😂
It's okay to feel the way you feel. You want to cry? DO IT! Now, take that energy and USE IT! to fuel the next 18-24 months.
How can Dave say they are going to make 300k?
She does not know.
Dave is all knowing
The rich don't pay taxes
Maybe stop blaming the husband while she is being over dramatic? Especially the husband is actively paying for her student loan.
Maybe you didn't hear that they both paid his student loan debt off first?
@@TaurusBebez doesn’t change the fact that the husband is actively paying down her loan now.
I think she was having a moment and wanted to vent. The debt is horrendous, but her household income is more than enough to make it reasonably surmountable.
A nurse that won't get vaccinated? Harder to get a job.
Ridiculous
I genuinely thought she and her husband were in their 60's...
My wife and I have been doing this for 3 years. We just got into baby step 3. We make 1/3 of what these people make. I also sold my truck. She needs to take a deep breath.
This woman has no concept of what "hard" is.
It is kind of funny. She seems so disconnected from reality. If you make 300k and you pay your taxes, at most she and her husband make 150k a year.
As Dave would say ‘ somebody call the WHAMBULANCE’
Wow, why isn’t she excited!! That’s amazing
She’s balling her eyes out because she’s been working hard for 4 months, and she makes $300k? I think I can speak for everyone in America, that we all despise Madeline from St Louis.
Sounds like they are doing amazing. At the end of it they will be golden 🎉
Never invest in actively managed mutual funds with a smartvester pro. Passively managed mutual/index funds and ETFs will save you hundreds of thousands over decades of investing.
When she said “this is the walk,” I thought she was going to say “this is the way.” Lol Ramsey and Mandolorian nerd here😂
When I was in my senior year of college my class was visited by a recruiter for a chiropractics school. When he asked if anyone was interested in that no one raised their hands and he asked why. I asked back how much it costs and how much I’d make after graduating. He gave us all paperwork saying the in state tuition was $22K per QUARTER and average salary in the state was 70K per year. Yeah, it’s a crock.
Wouldn’t wish her attitude on any husband. Geeesh. Wish I made that kind of money.
If there's someone worried because they feel like their debt is as bad and their income is way worse than hers.
My wife and I are celebrating a 5k raise in my youth ministry salary up to 25k.
Adding in my second job, my wife's seasonal job, and my side hustle we gross 48k. We are currently saving cash for the birth of our second baby in February.
At our income level, we will pay off my 27.8k remaining student loans and save 16k in an emergency fund by New Year's Eve 2025.
You can do this. Let's all party together in 2030.
Each person’s problems are very big to them. Even when the problems seem like nothing to someone else. Maybe she just needed to vent.
Has Uncle Dave gone soft? I was really expecting him to say “Live on 90 and be done in a year!”
10 years from now they will be millionaires
If there don't debate.
They'd better be. They make $300K/year. At a 15% contribution rate, after 10 years, they'd have $500K in retirement contributions without any gains.
Pathetic if they aren't.
Next caller, please.
I feel like this lady...i cry and pray everyday for some change 🙏🏻 I'm the only one making ends meet and I'm losing my mind on it...
Once again taxes don’t exist in their calculations.
Exactly Dave. Thought she was making 30k a yr with 400k in debt. She’s so cashhhyyyyy it’s ridiculous!
I think her problem is its easier to swipe and buy than giving up what she believes was all hers
Debt is a battleship chain around your life. Live below your means in life.
I think the advice for women and men maybe they should’ve just paid off half of his student loans and then half of hers because now he gets free and clear debt if they divorce because they paid off all of his student loans, and then she walks away and still has hers.
That’s not how courts work. His attorney would 100% demand she pay half of his.
@@OopThereItIs77777 his are already paid off.
@@eclipse.5295 Sorry, HER attorney. Her attorney would make sure he paid half. This is very customary
They are on the right track 👏👏
This call was the biggest much ado about nothing I’ve ever heard on this show
How about live on 50,000 and get it done in a year
Sacrifice 2-3yrs of your life, eliminating the debt or settle to live the rest of your life attempting to pay it all off. Either way, you have to pick one of them 🤷🏾♂️
When the math is like that, I can’t feel sorry for you.
Hard work is always tiring
Emotion catching up after doing the logical conclusive change of lifestyle. But everyone saying they got enough to eat and why is she calling DON’T MAKE ENOUGH sooo work harder
She lied left and right. None of her story adds up. She wanted sympathy with the crocodile tears at the beginning. She needs to be honest, face reality and toughen up if she is going to eliminate her debts. She will not though she's weak.
Another crybaby call.
Honestly use it make hard to understand. But it not bad.
You seem like a nice person
What is she not telling us? That is a lot of tears from a multi thousand dollar yearly income.
Oh please
Try making 50k a year and having bills over 35k a year.
Live off of whatever 15k is after taxes. Food. Clothes. Netflix.
Going out to eat Once a year for your birthday.
300k a year, give me a break.
This is hard for me to understand because I spent the last twenty years working in taiwan
I make the equivalent 18000USD a year
I moved there after I graduated because I was worried.I wouldn't be able to pay off my student loans twenty years ago
I only have 20000 USD
I've never seen the kind of money but these people have
To anyone living "paycheck to paycheck," I'd recommend driving for Uber or some sort of gig job. You get paid based on the amount of work you do, and can use that as spending money. The regular job then pays all the bills and debt. Then if you find yourself out of spending money, you get to work that day and start working for it
This caller needs to pay her debt, she's only been trying to make a dent for 6 month to a 1 year. Stop crying and get it done. So glad Dave and Jade called her on her mess.
Hardest is when you spouse is not on board.
Starting to think it’s easier to get out of debt if you’re single
220k to become a quack doctor??
“You pay 150k towards debt and live on 150k.” Dave doesn’t take taxes into account, huge difference.
They’ve still got a lot of income to work with. Not the typical call.
Next!! Where is the person with the real debt!!?
Dave said someone needs to come smack you 😂
Her husband knows they're fine. She's a worry wart and probably exhausting to live with.
OMG! This woman is so dramatic and loves the attention. "Poor me, we make $300k a year and I am 31 y.o." Tell that to the lady who is 70 y.o still working and no money for retirement. Please woman!