@@SnifferSock they called it ninja. That means No Income No Job/Assets. If you want to make money loaning people more than they can afford now you have to get them into a 1500/mo auto loan.
@@mikekujawagvsuI agree, though I heard in an interview with him that they’ve phased things out such that 78% of the income that comes in now is driven by the others not him
As soon as he started talking about the emotions behind what she was doing in terms of her buying that car and her getting the tires and going on the cruise all of that was hitting the nail on the head; the compassion from him on this call was awesome to see and I really hope she follows his advice and gets her life turned around and gets to a better place
I cried at this call. I used to be this person. Still have a lot of work to do but I’m a different person than 5 years ago. Hugs to this caller. You can do it.
Did you hear her? she went on a cruise that she owes $1600 on.....she can't afford a cruise.....I don't feel sorry for her at all. She also owes $16k on a car.....she should be driving a $3k beater.
@@andrew8168thank you she made her choices and it’s not the child’s responsibility too take care of a parent that didn’t make sacrifices too be ready for retirement
I remember those days when I was so broke that the only way I could buy something was on a store payment plan. It was right after I got out of college. I didn't have any kids, but it was still difficult to turn it around. I felt like I was in a downward spiral, and I cannot imagine how much more difficult it is for someone with children. I'm glad Dave showed so much compassion while at the same time telling her the hard cold truth, but in a nice way.
I love how Dave can navigate through a person emotions. He knows when to approach the situation in a gentle manner and when to light fire. He’s truly one of a kind. ❤
This made me tear up. I've seen it happen to people I love, a fear-based cycle. They believe that there is no hope, and because of that, they choose to give them themselves a sense of false security with a car, or do something fun because they feel they will never have the chance to again, and end up wasting their money. It's so easy to sit on the outside and judge, but the reality is, like. Dave said, they have been fighting so hard for so long and they are just tired and throw up their hands and stop trying. I'm so happy to see her getting the help that she needs, and gaining the determination to really give it a go. I'm proud of her.
You can drive through any section 8 housing or trailer park, and see brand new luxury cars parked there. But, what it does, is allow people to get in them, and drive away from their crappy life, and pretend they have a good life, while they ride around in their new car that they can't afford.
@@joelkaben of course. Yes. she definitely should make better choices. And if you've never seen a single mom struggle for 10+ years it's much easier to judge.
Unlike some of the callers she's not giggling or laughing her way through this or trying to justify it. I really believe she has a chance to pull out of this.
@SweetEssie - exactly I don't knownwhy that is not obvious or why it bothers people so much that folks are clearly nervous laughter/giggling with embarassment
@@ecclairmayo4153 Exactly 💯 Once I worked in a call center, an older gentleman called in and said his wife died and then he said that's not funny. 😬 I didn't even realize that I chuckled. I was 22. I had to really train myself not to laugh to make myself feel better in an awkward situation.
This call. I’ve been there as a single mother of 3. It’s a process getting things straightened out. This mom ❤ this is real life. But-there is hope. Dave Ramsey is the best solution. It took me 6 years to become debt free. It can be done.
304 shouldn’t open your legs too the chads and ray rays! Maybe if you didn’t think you were a boss b you could have had it way better with a nice guy and you could have been a real mother.
I’m not even in this situation but damnn. The way dave talks is just making my heart melt and giving me goosebumps. It made me feel like I was the one who’d get out of that trap. You got this Charlotte! 🎉
“Turn your stupid television off” 🥰🥰🥰 Great advice, especially since so many purchases are being made because of the programming we are subjecting ourselves to
This is it, the show at its best. Not the people making multiple six figures saying they have problems. This woman needs a good attorney and go after the deadbeat dad. I’m talking current and ALL missed child support.
Couldn't help but think that this is the exact type of scenario (crisis to crisis living) that causes so many to start asking their friends on social media (and in life period) to help out financially, usually every month. That's how some people get to the place of begging for money from friends. Very sad.
Correct, but it can relax a person, but there is cheaper vacations to relax. But, the car and tires, seem strictly ego stuff. My Ex- hus demanded buying a dark blue cad one time. To show off. He was in (outside sales) indeed impressive, do you know how poor we were, and that gas guslar took so much money to fill. Guess who filled cause she had the money???? Within a year, It finally broke down and stayed that way. So long, Mr. unreal rich guy. But, getting the help she needs, and best of all, she's ready. 😀😀
I'm glad Dave was gentle with this caller. Most of the time he jumps on someone who went on a cruise with all that debt. And in most cases he should, but you can tell in this woman's voice that she is scared and feels very trapped. So since Dave felt that, he kept his cool. I hope she takes the advice cause as she was listing all over her debts, I felt my throat close up. It made me very nervous as she kept listing her debts one by one. She works way too much to be struggling financially like that. I hope the best for her and her kids.
Same for me but its not just child support, it's spousal support too! I can't complain though, I buy just about whatever I want and my wife doesn't care.
She is truly working hard and deserves all the help anyone can give her. I know we don't agree with the cruise but I'm sure it was because the children are now old enough to realize what they are missing put on. I hope the courts give her a lump sum of back pay thar could be paid on the car. I hate to see her stressed with a junker. And the government should have paid for the kids braces! I wonder if she's right over the income allowed amount. This is where she needs a good church to go and get groceries every two weeks. The 15 yr old needs to work a part time job too. Glad he wants 15 year old in the classes also. Really pray that the woman gets help, gers ONE great job and gets the happiness she deserves. I have been where she is! AND hope child support payments get increased for her. If he doesn't pay take his driver's license and jail time
The 15-year-old should get a part-time job soon if they feel like they can manage it between school and home duties. It is absolutely not the child’s job to help out with finances! They should focus on school!
@johngarrettyuhas He is not on the phone to defend himself . It might be interesting to hear his side of the story . We often rush to the defense of women , without knowing all the facts .
Loved this video and I can relate with my financial issues and just not making enough, living paycheck to paycheck but what hit it for me was when he mentioned that she did a few things to feel like she had stability or fun somewhere and I’ve done that but still in a trap. I’ll be rewatching this for sure. Hope she’s doing better.
I’ve been here too. Haul dad back into court. The state will take over collecting child support but father should be paying half of the kids medical costs and reasonable extra curricular activities. Half of those braces should come from him. The state will “redirect” any tax refund he has coming if he’s in arrears even if he filed jointly with a new wife. That chunk of change would at least let you take a deep breath. Don’t worry about upsetting him - that ship sailed long ago.
Jeez, she has a loan on just about everything a person can get a loan on. Absolutely insane she'd finance a cruise when she has so many debts over her head.
@johngarrettyuhas Ya, i think Dave could sense the vulnerability in the woman's voice and didn't want to pile on and make her have a breakdown. I don't know this is the case forsure but it seems to be the case as she said her ex has been gone for 11 years and they have a 12 year old but I have a hard time feeling bad for people that have children when in shaky relationships. It is such a recipe for disaster.
@@black4vcobraIt's a very common mistake, especially for younger couples. You want two kids, you want them close together to make things easier, communication is poor so you don't realize how shaky things are until it's too late. Stupid, but I wouldn't judge doing that at 24 as much as I would the cruise at 36.
Oh man this is so sad, but really relatable for a lot of people! Thanks for the great content Dave and Rachel!! Prayers for this mama and her babies!!!
Hard to say but any sane man wouldn’t sign up to date a single mom with a lot of debt. 🤷♂️ It’s not about manning up, it’s just a bad deal/situation for a man to take on. Best of luck to her.
Prime example of going to college and getting a degree that doesn’t pay you any money. At least go into student debt for a career that will pay you good money
It's not helpful to be mean. I was a single mom of 3 sons. I worked 2 jobs. I took classes to earn an associate degree, but it takes time to move up. We lived from crises to crises. I lived in fear. One son had a congenital disease that killed him at 24. I had many medical bills. I lived with anxiety over what could happen next. One summer I was so desperate for relief. I bought a tent at a yard sale. Took 1 week off work, and took my boys camping. This is a rotten world to put this much stress on women. By the way; my ex husband was a Vietnam vet who became addicted to drugs and couldn't hold a job. He rudely didn't kill himself until my youngest son was 19. I'm now 3 weeks from turning 72. I still work partime. I retired for 2 years, then realized this country doesn't care about seniors. I retired at 65 till 67. I don't see a way to ever retire now with awful inflation. I no longer have trust in my country. That's sad. I do not want to be a burden to my 2 living sons or anyone else. I don't know anyone who isn't struggling. 😢
Charlotte, this might be the most important day of your life. You will remember it always cause things are about to change. A change is gonna come! Keep your head up high, you can do it!
Her boss is just taking advantage of her. I have been in her shoes. They know she can't afford to quit and that she will always take what little they throw to her. Time for her to move on to better job
I'm a Quality Tech training to become an Engineer and make that. If she truly has management level experience of almost 20 years she needs to leave ASAP. Poor girl, hope she can find the time to attend Dave's class.
This is the craziest thing I ever heard. How has she been in Quality Management for 18 years and not at 6 figures yet or on the low end, like 85k? And she makes only $3200 between both jobs? She is getting screwed big time. I'm just a Quality Control Chemist in Indiana and I make that more than that in a month! STEM fiele or not, you should not be making pennies as a Quality Manager for 18 years. That was alot of time she wasted. Most Quality Managers on the low end start off around 80k or so. And there were rare cases I saw as low as 75k. She needs to go and get something better because that income is insulting.
Hi I’m in the UK. Some things are different here. But basically the same. Live within your means. Just started watching Dave Ramsey. I’ve been the divorced mum of 3 kids. It is hard. I hope the lady is doing ok.🙏🏻
Sounds like it was probably most reasonable car she could find. There was a shortage of used cars following 2020 and even if she found a beater she'd be up a creek every other week in repairs. The cruise wasn't ideal but sounds like was pretty cheap and for a single mom working two jobs, seems like she could use a break. The staying at a low paying job that long was her biggest error. She likely was there bc they helped on work life balance so she could prioritize her kids and still get a paycheck. Sad more companies aren't accommodating.
In this day and age don’t have kids unless you can afford them. It’s very unfair to a kid to put them through stress because you can’t afford to take care of them. The way this economy is right now it’s only viable to have one child.
Children aren’t expensive and you certainly don’t have to be wealthy to care for them. This lady clearly made very poor decisions. The most important thing you should do is have children with a good person. Your kids don’t need all that wealth, but they do need 2 loving parents in 1 home.
@@alqoshgirl let’s go modest at 10000 per year for one child. Could be more could be less. If you take care of them for the bare minimum of 18 years that’s 180000 dollars. And you mentioned having a two parent household that’s also key.
Imagine a DAD borrows money to go on a cruise instead of take care of his kids. Dave would scream at him and call him a child. He didn't even flinch when she said it. He treats women less than men because he's misogynist.
It's criminal that employers pay so little. And so many people accept the low pay to their core because it signals to them their worth. This caller is concise and organized enough to communicate her current financials better than 75% of callers on this show (including those making well into 6 figures), she likely has the basic skills to have a much higher paying full time job. I hope the coaching she gets from Ramsey people help her realize it.
You are paid exactly what you are worth in any job. If you don't like the pay, you are free to find another employer. If you get an increase, great! That shows you have more value. Keep doing it. The only way to get substantial increases is to change employers.
@@AmandaHugenkiss2915 It's not that easy for most people, for a variety of reasons - e.g. individual circumstances, risk tolerance, personality. Many people would leave their current job to find a better one (probably everybody would) but some times better gets in the way of good enough. How much you are paid has very little to do with your value not just as a person but also as an employee.
@@Lon1001 nothing worth having is easy. Most limitations are self imposed. Take charge of life and career and look for better opportunities. If you are in a low pay position it's easy to get an increase. The alternative is to suffer the status quo and never get anywhere
@@AmandaHugenkiss2915 Sure but nobody gets there while still employed by exploiters. If your shitty job you are stuck in works as a half-step to get up on your way it's great but many people can't get unstuck no matter how good their attitude and perseverance are. It is harmful for society to ignore them.
So she’s struggling financially and complaining about child support but is spending money on a cruise and a luxury mattress? I’m not on child support because I’ve always provided for my kid. But I bought the cheapest mattress (under $300 for mattress and box spring) for myself so my kid could sleep on the bed and with the furniture he picked at the furniture store. And im sure as hell not going on a cruise 🚢 anytime soon. We took a vacation that we could afford and had the time of our lives just a few weeks ago. Stop spending money on yourself and focus on your kids. That’s what “child support” is for. And BUDGET!
I slept on a blow up mattress for 4 years until I got on my feet and graduated from a program that enabled me to support myself. I never went into debt and didn’t take a vacation for years. It’s called self discipline people.
@@blue-wb8yn"She watched YOUR kids"?? Aren't they also her kids?? Why should she be paid for doing what she is supposed too?? That's the most ridiculous thing I ever heard
Wow, it’s incredible how GOD just blessed her. I can so relate to her situation. From feeling trapped, doing it alone, and try to buy my way into feeling better (which only lasts in those moments. I’ve got to get those books and buckle down.
16K for a car, is not that bad. Yeah, she could had gotten something cheaper and with a lot of miles on it for $3k-$5k, but you could do a lot worse then $16k. I got a friend who is going to buy a used Suburban with over 100k miles on it for $30K.
I get why she went on the cruise, even though everyone agrees it was a dumb idea. Just to take a break from her life of struggling from paycheck to paycheck. Ten years of it is enough to make anyone crazy. She does sound as if she is being underpaid, by both jobs. Hopefully she can get the confidence and get a job that will pay her her worth.
So many people have student loans and low paying jobs. Some didn't finish college and some chose worthless degrees. This is so sad. She als need to take her kids father to court for child support, if she haven't done so already . Every little bit helps.
You really have to hammer into your kid’s heads that the correct life choices are CRUCIAL. You do not have multiple children if you can’t support them. You do not have children w/men who can’t support them. You don’t take out loans to live. You become something that pays the bills.
One of the worst problems we have in our country is the divorce rates!!! It really breaks people! The husband and the wife both suffer tremendously if they don't make a huge weekly paycheck!
You can easily get a reliable car for 5 - 8 grand just get from A to B. 16k car loan is completely unnecessary. Sell it off, get a cheaper car and use the rest for debt. Down the road at B-step 6-7 get yourself a nice used car.
@@patriotdrone9566 used cars are very pricey. Better to buy a smaller, cheaper new car than some 10 year old, 100k miles used car. Sure you can get lucky and find a well maintained car but you can also easily get a lemon that will cost you time, money and stress.
I swear….divorce rates are outrageous. Almost everyone I talk to is either divorced or had multiple divorces with kids. It’s insane to me especially when you have kids with someone. People have this idea that life is all about being “happy” and to that end they will be “unhappy” for a little bit and then just ruin a marriage over it. When you have kids…it is no longer about you being happy. It’s about those kids being taken care of and I don’t give a shit what no body says. A 1 parent household is not good for the children no matter how much convincing you’ve done to yourself.
Unless the wife gets fat and the sex stops, then all bets are off right? Lol No sane person chooses to leave a stable situation with a toddler and a baby...so I’m guessing more than unhappiness drove her away.
Finally a normal person who struggles. Not i make 1 million and i cant get ahead!! This is most Americans
Remember back in 08 when the grocery clerk at Marsh could get a 650,000 mortgage…I miss those days.
Agree
Amen
@zimmermanlandscape9287 wat? This was a thing? Was that a 50 year mortgage?
@@SnifferSock they called it ninja. That means No Income No Job/Assets. If you want to make money loaning people more than they can afford now you have to get them into a 1500/mo auto loan.
Best call in months. Normal person making normal money finding oneself behind. Well done Dave and Rachel.
It’s calls like these that show Dave’s true colors and why this show will never be the same without him.
Wait what??? Is he retiring, and leaving the show?
The other personalities try, they do. But Dave is the show. His sometimes 'tough love' approach and then his experience is 2nd to none.
@@Miss_Dani_DWhitHe’s no spring chicken. 😅
True that.
@@mikekujawagvsuI agree, though I heard in an interview with him that they’ve phased things out such that 78% of the income that comes in now is driven by the others not him
As soon as he started talking about the emotions behind what she was doing in terms of her buying that car and her getting the tires and going on the cruise all of that was hitting the nail on the head; the compassion from him on this call was awesome to see and I really hope she follows his advice and gets her life turned around and gets to a better place
I love seeing him being the compassionate guy. This was great.
I thought the same, and that I would really LOVE to hear her call back or show up on the debt free stage ❤
the cruise might explain the reluctance of the ex for paying child support. He thinks he is paying for her to go on cruises
I cried at this call.
I used to be this person. Still have a lot of work to do but I’m a different person than 5 years ago. Hugs to this caller. You can do it.
Did you hear her? she went on a cruise that she owes $1600 on.....she can't afford a cruise.....I don't feel sorry for her at all.
She also owes $16k on a car.....she should be driving a $3k beater.
She's a sweet woman in a really hard situation. Hugs to her.❣
This was the story of my mom as a kid. 3 boys, 2 jobs, crisis to crisis for as long as I could remember.
Very happy for this woman to be getting help
hope you are taking care of your mama now!
@@cutehumorwhy should he take care of her? He suffered enough for his moms bad decisions.
@@andrew8168thank you she made her choices and it’s not the child’s responsibility too take care of a parent that didn’t make sacrifices too be ready for retirement
I remember those days when I was so broke that the only way I could buy something was on a store payment plan. It was right after I got out of college. I didn't have any kids, but it was still difficult to turn it around. I felt like I was in a downward spiral, and I cannot imagine how much more difficult it is for someone with children. I'm glad Dave showed so much compassion while at the same time telling her the hard cold truth, but in a nice way.
I love how Dave can navigate through a person emotions. He knows when to approach the situation in a gentle manner and when to light fire. He’s truly one of a kind. ❤
This made me tear up. I've seen it happen to people I love, a fear-based cycle. They believe that there is no hope, and because of that, they choose to give them themselves a sense of false security with a car, or do something fun because they feel they will never have the chance to again, and end up wasting their money. It's so easy to sit on the outside and judge, but the reality is, like. Dave said, they have been fighting so hard for so long and they are just tired and throw up their hands and stop trying. I'm so happy to see her getting the help that she needs, and gaining the determination to really give it a go. I'm proud of her.
You can drive through any section 8 housing or trailer park, and see brand new luxury cars parked there. But, what it does, is allow people to get in them, and drive away from their crappy life, and pretend they have a good life, while they ride around in their new car that they can't afford.
Yawns. She needs to make better decisions, simple as that.
@@joelkaben of course. Yes. she definitely should make better choices. And if you've never seen a single mom struggle for 10+ years it's much easier to judge.
You put this very well.
You’ve got this Charlotte!!!! Doing the best for you and your children. You’re going to rock this ❤❤
Ya support a 304 that didn’t choose a good guy too have a child with most likely a chad that she thought he was a bad boy. Ya she is the victim lol
Unlike some of the callers she's not giggling or laughing her way through this or trying to justify it. I really believe she has a chance to pull out of this.
Yeah, she sounds really tired! I hope she is able to dig out and get ahead.
The giggling is probably from embarrassment. It's not bc they think it's funny.
@SweetEssie - exactly I don't knownwhy that is not obvious or why it bothers people so much that folks are clearly nervous laughter/giggling with embarassment
@@ecclairmayo4153 Exactly 💯 Once I worked in a call center, an older gentleman called in and said his wife died and then he said that's not funny. 😬 I didn't even realize that I chuckled. I was 22. I had to really train myself not to laugh to make myself feel better in an awkward situation.
Dave Ramsey was surprisingly so nice to this person, provided because we can hear struggles in this lady's voice.
A good normal call. Hope she gets things going great!
Exactly!! I hate calls that start with ‘I make $200,000 a year but can’t seem to get ahead.’
This call. I’ve been there as a single mother of 3. It’s a process getting things straightened out. This mom ❤ this is real life. But-there is hope. Dave Ramsey is the best solution. It took me 6 years to become debt free. It can be done.
Way to go Susan 🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾
304 shouldn’t open your legs too the chads and ray rays! Maybe if you didn’t think you were a boss b you could have had it way better with a nice guy and you could have been a real mother.
@michaelschneider9305 how dare you assume anything. you think you understand everything without knowing anything - the definition of a fool.
Debt free with the kids dad out of the house. Congrats.
I’m not even in this situation but damnn. The way dave talks is just making my heart melt and giving me goosebumps. It made me feel like I was the one who’d get out of that trap.
You got this Charlotte! 🎉
One of the very few callers I actually feel sorry for. I know exactly what she is going through because I have been there myself.
Rachel's face when she mentioned the cruise...priceless.
That caught my curiousity too. I haven't had a vacation for 15 years because I am broke. Some people don't think sometimes.
The courts in Kentucky will help him with his discipline 😂
😅
“Turn your stupid television off” 🥰🥰🥰
Great advice, especially since so many purchases are being made because of the programming we are subjecting ourselves to
This is it, the show at its best. Not the people making multiple six figures saying they have problems. This woman needs a good attorney and go after the deadbeat dad. I’m talking current and ALL missed child support.
Yes she can explain to the court how she self admittedly took a luxury cruise 🚢 while in financial “crisis.”
@@southerncali88 lol$1600 isn't a luxury cruise, maybe back in 2000 it was
@@whitneyw.7919But still... why would she do that if she is broke with 2 kids?? And why have more than 1 child with a deadbeat dad?
@@Naturefan354because she's human and not superhuman like you clearly are.
@@Naturefan354🙄🙄🙄😡
She’s the heart and soul. So many single mothers are in the same boat. Truly sad.
And you feel sorry for them. These are the same woman that would reject a good man and end up with bad boys.
@@mattmasteringer4399get your crown, you are the omniscient god 🙄
noone held a gun to her head and made her have children. These are her choices and they are poor ones.
@@alluringbliss4165 the truth hurts, is it 😂
@@alluringbliss4165hey call a spade a spade baby!!! You know your salty and it shows so much in your comment!
My heart goes out to this lady
Often, I have my differences with Dave. I was feeling so bad, I am so happy he stepped up and is helping her. It was ripping my heart out.
Couldn't help but think that this is the exact type of scenario (crisis to crisis living) that causes so many to start asking their friends on social media (and in life period) to help out financially, usually every month. That's how some people get to the place of begging for money from friends. Very sad.
Don't go on a cruise when you're in debt.
Correct, but it can relax a person, but there is cheaper vacations to relax. But, the car and tires, seem strictly ego stuff. My Ex- hus demanded buying a dark blue cad one time. To show off. He was in (outside sales) indeed impressive, do you know how poor we were, and that gas guslar took so much money to fill. Guess who filled cause she had the money???? Within a year, It finally broke down and stayed that way. So long, Mr. unreal rich guy. But, getting the help she needs, and best of all, she's ready. 😀😀
She has probably done similar things recently .
Dont go on a cruise even if you arent in debt
Absolutely agree
Im so glad she is getting help and Dave got her back. Hoping and praying that this person turns her and her kids life around.
I'm glad Dave was gentle with this caller. Most of the time he jumps on someone who went on a cruise with all that debt. And in most cases he should, but you can tell in this woman's voice that she is scared and feels very trapped. So since Dave felt that, he kept his cool. I hope she takes the advice cause as she was listing all over her debts, I felt my throat close up. It made me very nervous as she kept listing her debts one by one. She works way too much to be struggling financially like that. I hope the best for her and her kids.
Yes😪
I've never divorced my wife, so 100% of my paycheck went to child support. 😂
Lol
Same for me but its not just child support, it's spousal support too!
I can't complain though, I buy just about whatever I want and my wife doesn't care.
It was amazing how much more money my kids needed after we divorced, than they needed when their mom and I were married.
@@ralphholiman7401paying for kids to live outside of your household can be pretty expensive. So I believe you
@CindyGuzman-xl5uiYes because investing saves
Praying for you, Charlotte! God will change everything around you and for you.
Love Dave, he has a great heart. God Bless you all. 🙏
66…. We just took our first cruise….. I can’t believe she did that
Dave Ramsay complete compassion.excellent advice
She is truly working hard and deserves all the help anyone can give her. I know we don't agree with the cruise but I'm sure it was because the children are now old enough to realize what they are missing put on. I hope the courts give her a lump sum of back pay thar could be paid on the car. I hate to see her stressed with a junker. And the government should have paid for the kids braces! I wonder if she's right over the income allowed amount. This is where she needs a good church to go and get groceries every two weeks. The 15 yr old needs to work a part time job too. Glad he wants 15 year old in the classes also. Really pray that the woman gets help, gers ONE great job and gets the happiness she deserves. I have been where she is! AND hope child support payments get increased for her. If he doesn't pay take his driver's license and jail time
She needs a college degree ,or new skills.
I am confused, why should the gov't pay for braces?
The 15-year-old should get a part-time job soon if they feel like they can manage it between school and home duties. It is absolutely not the child’s job to help out with finances! They should focus on school!
Why should the 15 year old be obligated to pay for his mom's reckless choices??
@johngarrettyuhas He is not on the phone to defend himself . It might be interesting to hear his side of the story . We often rush to the defense of women , without knowing all the facts .
Loved this video and I can relate with my financial issues and just not making enough, living paycheck to paycheck but what hit it for me was when he mentioned that she did a few things to feel like she had stability or fun somewhere and I’ve done that but still in a trap. I’ll be rewatching this for sure. Hope she’s doing better.
I’ve been here too. Haul dad back into court. The state will take over collecting child support but father should be paying half of the kids medical costs and reasonable extra curricular activities. Half of those braces should come from him. The state will “redirect” any tax refund he has coming if he’s in arrears even if he filed jointly with a new wife. That chunk of change would at least let you take a deep breath. Don’t worry about upsetting him - that ship sailed long ago.
Jeez, she has a loan on just about everything a person can get a loan on.
Absolutely insane she'd finance a cruise when she has so many debts over her head.
@johngarrettyuhas Ya, i think Dave could sense the vulnerability in the woman's voice and didn't want to pile on and make her have a breakdown.
I don't know this is the case forsure but it seems to be the case as she said her ex has been gone for 11 years and they have a 12 year old but I have a hard time feeling bad for people that have children when in shaky relationships. It is such a recipe for disaster.
@johngarrettyuhas but didn't she say he pays child support when he feels like it? She doesn't get to opt out
@johngarrettyuhaspls shut up. You aren't making any sense.
@johngarrettyuhasHe did, but at the very end. He wanted her to hear all the compassion and help first before telling her that was stupid.
@@black4vcobraIt's a very common mistake, especially for younger couples. You want two kids, you want them close together to make things easier, communication is poor so you don't realize how shaky things are until it's too late. Stupid, but I wouldn't judge doing that at 24 as much as I would the cruise at 36.
Great job Dave! Love this!
Oh man this is so sad, but really relatable for a lot of people! Thanks for the great content Dave and Rachel!! Prayers for this mama and her babies!!!
3:56
There’s some real wisdom and empathy in that response, which caught me off guard, quite frankly.
This was me until last year. There is always a solution. Nothing last forever ❤
❤️🍁🤗
Thank you so much ch for helping Charlotte and her kids.🙏💕🙏💕🙏
Rachel looks really sad - you can tell they both feel so deeply for this caller.
Dads out there, just because you left the house doesn't mean your responsibilities goes out as well. They are our kids, pay up!
He was so nice to her.. I wish her the best!
Hard to say but any sane man wouldn’t sign up to date a single mom with a lot of debt. 🤷♂️ It’s not about manning up, it’s just a bad deal/situation for a man to take on. Best of luck to her.
That’s the truth!!!
Amen
She had to take out loans for tires and a mattress but went on a $1600+ cruise?! This woman is a lifetime of poor decisions
Don't pile on.
Based
@johngarrettyuhasmost of your comments are about single mothers. Go to therapy
she want that luxury lifestyle
@@ginab5294 $1600 for a cruise is out of line for her situation.
Prime example of going to college and getting a degree that doesn’t pay you any money. At least go into student debt for a career that will pay you good money
You really feel bad for her because you just know by the time she’s done paying off those tires she’s gonna need new tires.
But just go on a cruise
It's not helpful to be mean. I was a single mom of 3 sons. I worked 2 jobs. I took classes to earn an associate degree, but it takes time to move up. We lived from crises to crises. I lived in fear. One son had a congenital disease that killed him at 24. I had many medical bills. I lived with anxiety over what could happen next. One summer I was so desperate for relief. I bought a tent at a yard sale. Took 1 week off work, and took my boys camping. This is a rotten world to put this much stress on women. By the way; my ex husband was a Vietnam vet who became addicted to drugs and couldn't hold a job. He rudely didn't kill himself until my youngest son was 19. I'm now 3 weeks from turning 72. I still work partime. I retired for 2 years, then realized this country doesn't care about seniors. I retired at 65 till 67. I don't see a way to ever retire now with awful inflation. I no longer have trust in my country. That's sad. I do not want to be a burden to my 2 living sons or anyone else. I don't know anyone who isn't struggling. 😢
Thank you Dave for helping her!
Charlotte, this might be the most important day of your life. You will remember it always cause things are about to change. A change is gonna come! Keep your head up high, you can do it!
Quality Manager bringing home 3200?!?!?! NO!
Listen again- she brings home 3200/ month between BOTH jobs (0.55 seconds).
The worst part is that actually between two jobs
Her boss is just taking advantage of her. I have been in her shoes. They know she can't afford to quit and that she will always take what little they throw to her. Time for her to move on to better job
I'm a Quality Tech training to become an Engineer and make that. If she truly has management level experience of almost 20 years she needs to leave ASAP. Poor girl, hope she can find the time to attend Dave's class.
This is the craziest thing I ever heard. How has she been in Quality Management for 18 years and not at 6 figures yet or on the low end, like 85k? And she makes only $3200 between both jobs? She is getting screwed big time. I'm just a Quality Control Chemist in Indiana and I make that more than that in a month! STEM fiele or not, you should not be making pennies as a Quality Manager for 18 years. That was alot of time she wasted. Most Quality Managers on the low end start off around 80k or so. And there were rare cases I saw as low as 75k. She needs to go and get something better because that income is insulting.
I was really moved by this one! 😢😢 She's in a hole and Dave and co have arrived with the rescue helicopter. 🙏🏾👏🏾👏🏾
Yes, that mom definitely deserves more pay if she's been a faithful employee for 18 years...
Hi I’m in the UK. Some things are different here. But basically the same. Live within your means. Just started watching Dave Ramsey. I’ve been the divorced mum of 3 kids. It is hard. I hope the lady is doing ok.🙏🏻
She's that broke and she went on a cruise? She buys cars she can't afford? I'm glad Dave is helping her out. It sounds like she wants to fix things.
Sounds like it was probably most reasonable car she could find. There was a shortage of used cars following 2020 and even if she found a beater she'd be up a creek every other week in repairs.
The cruise wasn't ideal but sounds like was pretty cheap and for a single mom working two jobs, seems like she could use a break.
The staying at a low paying job that long was her biggest error. She likely was there bc they helped on work life balance so she could prioritize her kids and still get a paycheck. Sad more companies aren't accommodating.
This is such a sad situation. This lady lives most of her life by buying everything on credit with no plan to pay them off.
Dave you are AWESOME and You should NEVER RETIRE🎉🎉🎉🎉
In this day and age don’t have kids unless you can afford them. It’s very unfair to a kid to put them through stress because you can’t afford to take care of them. The way this economy is right now it’s only viable to have one child.
Children aren’t expensive and you certainly don’t have to be wealthy to care for them. This lady clearly made very poor decisions. The most important thing you should do is have children with a good person. Your kids don’t need all that wealth, but they do need 2 loving parents in 1 home.
@@alqoshgirl let’s go modest at 10000 per year for one child. Could be more could be less. If you take care of them for the bare minimum of 18 years that’s 180000 dollars. And you mentioned having a two parent household that’s also key.
@@alqoshgirl
I prefer to say they are unaffordable. How expensive kids are is up to the individual.
People are their own worst financial enemy.
Your comment doesn’t help the situation now
@@beckymigdal3140
Really not the point.
When I read posts like that I figured someone will see it and think before making bad decisions.
Loan for tires yet went on a "borrowed" cruise; her priority is all wrong.
Typical female logic!
Can’t make this stuff up.
Imagine a DAD borrows money to go on a cruise instead of take care of his kids. Dave would scream at him and call him a child. He didn't even flinch when she said it. He treats women less than men because he's misogynist.
It's criminal that employers pay so little. And so many people accept the low pay to their core because it signals to them their worth. This caller is concise and organized enough to communicate her current financials better than 75% of callers on this show (including those making well into 6 figures), she likely has the basic skills to have a much higher paying full time job. I hope the coaching she gets from Ramsey people help her realize it.
They pay market value to cut a profit.
You are paid exactly what you are worth in any job. If you don't like the pay, you are free to find another employer. If you get an increase, great! That shows you have more value. Keep doing it. The only way to get substantial increases is to change employers.
@@AmandaHugenkiss2915 It's not that easy for most people, for a variety of reasons - e.g. individual circumstances, risk tolerance, personality. Many people would leave their current job to find a better one (probably everybody would) but some times better gets in the way of good enough. How much you are paid has very little to do with your value not just as a person but also as an employee.
@@Lon1001 nothing worth having is easy. Most limitations are self imposed. Take charge of life and career and look for better opportunities. If you are in a low pay position it's easy to get an increase. The alternative is to suffer the status quo and never get anywhere
@@AmandaHugenkiss2915 Sure but nobody gets there while still employed by exploiters. If your shitty job you are stuck in works as a half-step to get up on your way it's great but many people can't get unstuck no matter how good their attitude and perseverance are. It is harmful for society to ignore them.
So she’s struggling financially and complaining about child support but is spending money on a cruise and a luxury mattress? I’m not on child support because I’ve always provided for my kid. But I bought the cheapest mattress (under $300 for mattress and box spring) for myself so my kid could sleep on the bed and with the furniture he picked at the furniture store. And im sure as hell not going on a cruise 🚢 anytime soon. We took a vacation that we could afford and had the time of our lives just a few weeks ago. Stop spending money on yourself and focus on your kids. That’s what “child support” is for. And BUDGET!
Well, she is a child!🤷🏻♂️
I slept on a blow up mattress for 4 years until I got on my feet and graduated from a program that enabled me to support myself. I never went into debt and didn’t take a vacation for years. It’s called self discipline people.
I love how perfect you are
Thank you for helping this woman.
What I’ve been doing ain’t working….my life!!! I’m here with her. 💙💙💙
I'm broke. Proceeds to go on a cruise via debt. SMH. People do it to THEMSELVES!!!
I paid a lot of Child support for 20 years and my kids got very little of it. Very broken system. PS I have never been on a cruise weird...
Just think of it as paying a baby sitter. She watched your kids, she does what she wants with the money 🤷♀️
@@blue-wb8yn"She watched YOUR kids"?? Aren't they also her kids?? Why should she be paid for doing what she is supposed too?? That's the most ridiculous thing I ever heard
She needs to keep the house because most rents are twice that what she is paying now
I love how compassionate Dave is 🥺
I wouldn’t say compassionate. A compassionate person wouldn’t describe a cruise as “stupid”.
@@jasonbornne7767be quiet! He is compassionate and you Snowflakes need to stop being offended by hearing the truth.
@@jasonbornne7767
At least she’s wasn’t alone with debt stupidity on the cruise ship.
@@blackworldtraveler3711 Yeah, one week of relaxation and peace and a nightmare of bills to pay back. Makes sense.
Wow, it’s incredible how GOD just blessed her. I can so relate to her situation. From feeling trapped, doing it alone, and try to buy my way into feeling better (which only lasts in those moments. I’ve got to get those books and buckle down.
Bless this woman
Dave, well done!
Thank God she called Dave Ramsey! Hope she can turn it around!!!
16K for a car, is not that bad. Yeah, she could had gotten something cheaper and with a lot of miles on it for $3k-$5k, but you could do a lot worse then $16k. I got a friend who is going to buy a used Suburban with over 100k miles on it for $30K.
Said that's what she's still owes. I'm not sure it was the purchase price
I get why she went on the cruise, even though everyone agrees it was a dumb idea. Just to take a break from her life of struggling from paycheck to paycheck. Ten years of it is enough to make anyone crazy. She does sound as if she is being underpaid, by both jobs. Hopefully she can get the confidence and get a job that will pay her her worth.
A 16000 dollar vehicle is nothing. The average car sale last month was 48,000 dollars. Most vehicles approaching 10k and less aren't reliable.
It is when you have a ton of debt and you don't make a great wage.
"I went on a cruise" !?!? 😮
Money problems and went on a cruise. It's not surprising she's struggling with that approach.
Beginning of her story was like a country song🤣. Good luck though lady.
God bless you Dave Ramsey!!
So many people have student loans and low paying jobs. Some didn't finish college and some chose worthless degrees. This is so sad. She als need to take her kids father to court for child support, if she haven't done so already . Every little bit helps.
Thank you Dave.
yeah find another job and go back to court to make the man pay child support
You really have to hammer into your kid’s heads that the correct life choices are CRUCIAL. You do not have multiple children if you can’t support them. You do not have children w/men who can’t support them. You don’t take out loans to live. You become something that pays the bills.
Financing vacations is about as bad as furniture or online retail. Oh she did finance furniture as well ouch
"Live like no one else. So later you can live and GIVE like no one else."
DR is brilliant and compassionate. He see's she needs some love and hand holding.
God bless this guy. For reals
Im a moron but even I know you dont go on a cruise when you cant pay your bills!!
Mental health is important too. If she goes off the rails than she'll be earning 0 money.
@@binks3371
That type of rationalizing is why many people will always be broke.
He's probably not paying child support regularly because it's going towards funding her trips and vacations.
Child Support payments in this economy and she’s saying he chooses to pay?
50 bucks goes along way huh 🥴
Thank you Dave!
Wow, I would love to see her progress.
One of the worst problems we have in our country is the divorce rates!!! It really breaks people! The husband and the wife both suffer tremendously if they don't make a huge weekly paycheck!
The cruise was stupid. And maybe the mattress too.
Ken Coleman is the last guy you want to get career advice from
It is important having a reliable car. 16k for a car is not the end of the world consider the car prices these days.
You can easily get a reliable car for 5 - 8 grand just get from A to B. 16k car loan is completely unnecessary. Sell it off, get a cheaper car and use the rest for debt. Down the road at B-step 6-7 get yourself a nice used car.
@@patriotdrone9566 used cars are very pricey. Better to buy a smaller, cheaper new car than some 10 year old, 100k miles used car. Sure you can get lucky and find a well maintained car but you can also easily get a lemon that will cost you time, money and stress.
@@binks3371
All about location and the people you know.
@@patriotdrone95665k nowadays gets you something with 200k miles
She sounds like a smart and reasonable woman so she'll get through it.
I swear….divorce rates are outrageous. Almost everyone I talk to is either divorced or had multiple divorces with kids. It’s insane to me especially when you have kids with someone. People have this idea that life is all about being “happy” and to that end they will be “unhappy” for a little bit and then just ruin a marriage over it. When you have kids…it is no longer about you being happy. It’s about those kids being taken care of and I don’t give a shit what no body says. A 1 parent household is not good for the children no matter how much convincing you’ve done to yourself.
It feels better raw, and everybody knows it.
Unless the wife gets fat and the sex stops, then all bets are off right? Lol No sane person chooses to leave a stable situation with a toddler and a baby...so I’m guessing more than unhappiness drove her away.
36 years old, 2 kids, 10 years being single, working 2 jobs....Yikes. She's a train wreck 😬
And her situation is pretty common too.
A wild John Deloney rushes into the studio!
ARE YOU SAFE!?
😂😂😂😂😂😂
Choices, choices, choices... Hers.
Well done R.