How She Paid Off $234,000 of Debt In ONLY 31 Months!
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I get emotional watching this because I am a nurse practitioner with the same amount of debt (I started with 330k now down to 240k) I am working three jobs with three kids and man o man this video just makes me so pumped to keep going. Thank you.
Stay focused!! Total respect!
Student loan firgiveness
How did nursing school cost so much?
@@Charlie-gv3zt I went to Nyu and I live in NJ. I wasn’t thinking.
@@Charlie-gv3zt also these are three degrees, undergrad Rutgers university BS, second bachelors from UMDNJ BSN, then NYU MSN
I’ve never said this of a complete stranger but I’m proud of that woman. She rocks
Lol I felt the same way. Wanted to give her a celebratory hug!
Likewise!
I can’t stop crying! It’s an AMAZING story!
I think we all feel this way she's an inspiration for sure ✨️
Same
She’s built different. A unique level of focus and discipline.
I'VE NEVER SEEN DAVE SO HAPPY IN MY LIFE
Love to see another young black woman obtaining freedom!!!
YES!
ME too 28 BM, more of our sisters need to look up to women like you and her!
Your statement makes it seem like black women are held down but maybe am wrong. Nobody in the United States is held down so I’d change your mind set. This story should do just that
@@davidmason777 I knew someone was going to make a comment like this. Let people be happy to see people with their same background/ethnicity/culture whatever do something good. Proud to see my black sister make it happen too!! Praise God!
@@davidmason777 Welp unfortunately our culture makes every feel like being a victim is an excuse so a lot of our sisters fall into that. Which is why we have a lot of them blaming their poor financial habits on 'systems' and people before even sitting down and looking if they budget/use their money wisely now.
She's not entitled... she worked for it and in a few years she will be a millionaire! Some people will call it luck
Other people will say the system is unfair.
Some people are just lazy and cynical.
Well, I think everybody knows that healthcare workers work their butts off. I have many in my family. All of them are passionate/obsessed with their work. Besides getting to help people, they say that they love getting to learn new things everyday.
That's what's so frustrating. People don't realize how much hard work and sacrifice we put into making money and just assume we must have come from a well off background. I grew up poor and earned it all myself. I also had someone a month ago ask me what my husband does when they saw my car. I bought it and earned it myself, I'm single, no one bought this for me. So annoying!
FACTS. Ppl have a lot to say about working hard and doing for themselves, but when they see example after example of ppl like this doing EXACTLY that, they come with jealous bs. Her results are remarkable, but not impossible as long as you actually DO THE WORK. ⚡️⚡️🏆⚡️⚡️
She's a great example of self discipline. She's right about delayed gratification in order to achieve your goals. It's true not only for getting out of debt, but also for education, weight loss, and other goals.
You ate 100% correct. Discipline is everything 🙌!
I have $66k in debt and make $150k a year. Let’s get it! Can not wait. Already paid off my car.
With that kinda salary you should be able to knock it out in 10-12 months (gazzelle intensity) or 14 tops (a little more loose). Go get it!!
Thank you! Since this post I already paid of 2 other loans and in total since I started have freed up an additional $1,059/month to use for more debt!
@@nicktheman1828 great job man, keep rollin’!!
You got this!!! ❤🎉
@@MomoHitsujiOwOthank you!
I’m a nurse also and she got me stepping my game up! I thought my 84hrs was something. I’m slipping!!! Proud of her. She made it happen!!!
Your 84 hours is also amazing, keep up the hard work!
I thought my 36-48 was something. I’m now going to work 60hrs a week no matter what
Good.story
STOP! you are putting your patients at risk!
Your 84 is good too
BLACK GIRL MAGIC! I'M CRYING IDK WHY. SO HAPPY FOR YOU/HERRRRRRR
No magic! Black Woman Exellence!
ReRe! I follow you honey! You killing it too! I swear the YT community is small but you are also someone I watch as motivation 💕
Black girl culture filled with hard work, planning, discipline and accountability. No magic just hard work and dedication.
This has to be one of the best, if not the best, debt free video Dave has posted!! Candice is an absolute rockstar and just proves once again that hard work pays off. Truly incredible! Brains and beauty.
I 100% agree!! She's a champion!!
Yes!!!
I agree
I have watched almost every single debt-free scream and some twice to get me through my journey. This one was one of my favs. As of right now, I can officially scream, "I'M DEBT FREEEEEEEE!!!!"
CONGRATS!!!!!!
She made a plan, grinded hard, sacrificed and made no excuses. She's a woman of color too. Take notice people, respect
What does her skin color have to do with anything? You make it sound like it's MORE impressive BECAUSE she's black, what does THAT imply?
@@luminous6969 it's common knowledge poc face systemic issues
But it is harder for Black people
@@AC-ri2ph It's also common knowledge that the laws are the same for everyone and committing a disproportionate amount of the crimes results in a disproportionate number of that group being imprisoned which isn't the same thing as systemic oppression since it's their own choices and actions causing the negative results.
facts 💕💕💕💕🤗🤗🤗🤗💙💙💙💙
Also a healthcare worker and doing 90 hrs per week to try to get this debt down, this gives me so much hope and inspiration!
Im afraid of the burnout. I’ve experienced it and it made me depressed
@@adrian3747_ That's why I think it's important to have a hobby or two outside of work.
Keep going! You can do it!
Keep pushing.
How are you doing a year later?
My favorite success story. 31, on her own, over a quarter mil in 31 months!!!! If inspiration was a person
I paid 40K off in 20 months but I’m so inspired listening to this story! Thank you Dave Ramsey!! And thank you for sharing your story and inspiring others. Representation matters. Candace you rock!
Wow!! That is what I need to do! How much income?
She’s incredible, such a hard worker. She deserves the success she has brought for herself.
Her Momma raised her right!
Amen to that 🙏
She is amazing. What an inspiration. She was raised right.
Yes i agree she was raised right
I hope everyone can learn a few things from her, myself included.
Way to go Candice! Amazing. Well, there it is. If she can pay off $234K in 31 months, then it can be done.
Now she needs to live her life like a woman free from debt. Enjoy every minute of it!
As a man that prides myself on my own hard work I can easily say this woman puts me to shame. What an absolute beast! Congratulations 🍾🎉🎊
I love how sincerely proud of her Dave was. It definitely was inspiring to see.
Glad she paid her debt off and even more happy for her that she is incorporating VACATION time in as well! The 'hustle/team no sleep' culture of today can have you thinking if you're not grinding your life away you're failing at life....when in reality that couldn't be furthest from the truth....we all have our own journey....complete yours in whatever way works for you! Very proud for her!!
Black Americans are not lazy!!! As shown. My husband and I paid off 130k in student loan debit in 17 months. It can be done!!!
Black women are not.
Black people as a whole, men and women, aren't lazy!
Race has nothing to do with it. Lazy people are lazy; productive people are not.
@@JayKast black people as a whole? wrong. nothing to do with race who's lazy or not
Who said we were?
This girl is a boss!!! Congratulations to her!!!!
She is the definition of Warrior … Uplifting to all Women 💕🔥
So proud of her! I love her energy and how ready she was to live debt free!
Motivated me to payoff my mortgage in next 10 years! Proud of this “victor”. Awesome job Candace!!!
Ypu can pay it off even faster. Look up how to pay off a 30 year home mortgage in 5 - 7 years. :). It’s a video on TH-cam and young lady explains.
Just make extra payment every two weeks. That extra payment $100 or more goes directly to the principal.
This is a great story. In 31 short months she changed her life and her whole family line. Built herself and her children financial independence forever. You can see the freedom on her face
96 hours workweek. That’s what you call HUSTLING! Awesome for her, congratulations.
Yes!!
I’m all for working hard but that doesn’t seem safe to be working that much in a medical profession. It would be so easy to make a mistake. Residents aren’t even supposed to work more than 80 hours. I wouldn’t want someone in charge of my health and safety who is working that much and operating on so little sleep. One medication error and you’re dead.
I can't speak for anyone else, but I wouldn't want the nurse taking care of ME to be vastly sleep deprived and vastly overworked for such a long period of time. Same applies to the pilot flying the plane I'm in.
Dave looks and feels so proud like a father!!!! Love it!!! Thanks Dave!!
Wow, I’m so impressed by Candace, she truly is a rockstar, she really created a plan, put it into practice, and made it happen somehow as a single woman at only 31 months 😮
Dave gave her the seed of inspiration!
I've been daydreaming this week of how great it would be to win the lottery, and what I would do with the money. This video is just what I needed to get me out of that fantasy. Gotta quit dreaming and start doing. Truly an inspiration!
We already know what happens the vast majority of the time when “normal” folks win the lottery, go broke!
@@crewboy23 great point. And we always think we’d be the different ones.
Ill be debt free in Nov. pending any emergencies. The plan works. I only make 37000 a year.
If I can anyone can.
Stay far away from the lotto
@@PInk77W1 I’ve only ever bought one ticket, the 2016 Powerball where it was at 1.5 billion. I told my wife that evening, and she was pretty disappointed. That’s pretty much what’s kept me from buying another ticket lol
Wow that is amazing. Here I am complaining to myself about working 40 hours a week and this young lady is doing 96 hours a week. Very inspiring - thank you and congrats
Lol, yep! My grandpa used to tell me “if it is to be, it is up to me”.
Here I am complaining about 60-65 hours a week 🙀.
You can only sustain that for so long before it wears on you physically and mentally. This is short term.
@chasityeverett2753 love this ❤
The fact that she’s so bubbly about all that work. Really incredible
I noticed that too! What an amazing attitude
Especially as a nurse
So proud of you girl! As a fellow nurse that’s debt free, I’m so inspired by her journey!
Same!
I can't believe her mortgage is paid off too!! Some people never pay it
Every time I watch an episode such as this one, I immediately pay some money towards my loans. I just put in an extra payment for $100
You got this
Keep fighting! You won’t feel the progress at first, but then it will begin to roll.
Lol
Go get 'em!!!
Keep going! These videos are wicked motivating
Wow, she is incredible. What an inspiring story. Now she can really build wealth. Congrats to her 👏🥰
IMPRESSIVE!
Can’t no man complain about “ providing “ when this woman paid off 234k in debt!
Yea, if you want him to work himself to an early grave. That intense work schedule isn't sustainable longterm nor is it healthy. Think brother.
Woooow this is really good. I'm surprised they didn't ask her about her physical and mentally health during that period and how she survived that amount of stress......
This is inspirational
I was waiting for that. That's a lot of work. 96hrs is a lot
She napped in between a d she s,leep soundly now ... just have to grinde for a bit
Legit one of the best debt free moments on the show.
Wow!!! What an inspiration. No whining about her student loans, just buckled down and got it done. Paid off her house and ready to travel and looked pretty to top it off. Wow! She’s something else🎉🎉🎉🎉
Wow. She is driven! There's power in working hard and saving your money so you can have a better future. I have so much respect for her. I hope she can use her story to help others. She did right, listen to your momma.
Wow! I’m on the same track as an RN. I have 70k in student loans left and taking on another full time position pay it off in the next 10 months. This is the inspiration I need to knock this debt out. After that it’s only my mortgage. I’m ready! 🙌🏽
That is impressive and she even paid off her house. I could not have worked like that. Well done.
No way. I'd have been dead.
I've never wanted anything that would cause me to work that hard, but I have never accumulated a lot of debt.
@@kimberlyturner820 lol
Smile never left my face watching this lady. Loving it.
“Set a goal. Stick to it.
Realize that the plan can change a million times, but the goal will never change. “
These words ☝️I watched this yesterday and had to come back to here that part again.
Thank you for your inspiration and example. You are the real deal girl!
I’m 24 and I have so much student loan debt from grad school and undergrad. Seeing someone that looks like me that worked so hard to pay off her debt truly inspired me. Love this! Congrats hun. Now live your life and make sure to treat yourself for all of that hard work!
Makes me feel ridiculous feeling like crap with my 45k debt. I need to step up my game like this girl.
That is incredible. With that sort of work ethic, she could periodically put in some major hours & pack away a heck of a nest egg too.
maybe buy some pants?
@@whyme7996 did you just miss the whole conversation
@@whyme7996 classic dad comment. Lol my father in law always says he gets holes in his jeans and doesn’t even pay extra for it
Her testimony just told me how lazy I am
Lol
This is truly one of my favorite debt free stories. I’m so inspired by this young lady. Thank you for sharing your journey, I too am a Nurse, and my journey has started.
Thanks Dave Ramsey and your team for the knowledge, tough love, and encouragement. Debt Freedom and becoming a Millionaire is possible, and I’m certain my best days are ahead. I’m humbly anticipating my DEBT FREE SCREAM, IJN!!!
Your ass what not making $30,000 a month!
I'm so inspired by you Candace!!! I'm working working 76hrs/ week to. I hope I'll make it to my 20% down payment on my house☺️
This woman is awesome. Saw her on the stream and I was blown away! One of the best stories I've heard on the debt free scream
Yes , I like this story od debt scream on Dave Ramsey. It can be done in USA 🇺🇸 😉 🙂
I've never been called out like this before. Wow girl, you are an inspiration.
What an amazing example for young people. So proud of her.
She’s a rock star. Hard work and consistency does pay off. I’m so very proud of her. I’m a nurse ( 40 years) so I know how hard she worked.
What a fantastic story! No excuses, just hard frickin' work and a commitment to get it done! God bless this young woman for taking 100% control of her life and her future. She's the kind of role model I hope every young person looks up to.
I wanted to know what she plans to do next! Please bring her back so that we can get the full story
Agree 100%
I love financially responsible women. Congrats to her.
Oh my lord she’s inspiring!! I’m a nurse as well and struggling with my giant loans! She’s amazing!!
Yessssss, girl!!!!! The joy I feel when I see other nurses doing well. 😭😭😭Only those who work in healthcare know how hard it is to work a regular schedule. Working as much as she did is truly incredible. Go enjoy your new debt free life !!!!!!!!!!!!!!!
I smell burnout coming soon
@@32starsandsugar she's not a bedside nurse, shes a nurse practitioner. They make good money and don't typically get burned out.
Outstanding! She is KILLING IT!!! Absolutely winning at life and all set.
She's is amazing, you go girl. This has me sitting here at work in tears; I am so proud of her. Her mother showed her you have to work in order to provide for yourself.
That just gave me so much more motivation. All things are possible when you believe. Thank you for sharing your story Candice.
I was smiling from ear to ear watching this entire clip - she killed it ❤
I tried this formula of working 80+hours a week and I fell asleep driving on the highway. Be advised you can work yourself to death. It’s not worth it based off my experience.
True. Not everyone can do this. Do what you can, but always push yourself a bit so you don't get stagnant.
Yes I have done this. I put myself where most of my commute is trains but I live in MD we gave decent regional intercitytown trains most places don't have that.
Yep
Oh ya same here
Almost wrapped my S-Class around a light pole before I decided to take a break and work less
Wasn't worth the risks at all
Not to mention not yet manifested health issues. That’s a long time to be sleep deprived.
I have tears in my eyes! I’m so proud of you! 🥰 Very inspiring!
She is so motivating. I’m working towards my goals but she makes me want to take it up a notch. Bless this woman 💕.
This woman worked her a** off!! Amazing! And great for her! Being a nurse is not easy! God bless her! She deserves all the happiness coming her way!!!
It's a shame stuff like this doesn't make it to those "humans are awesome" compilations. This woman is simply amazing.
I’m proud of her. Great inspiration for the rest of us💯👏🏾👏🏾
This is so inspiring, I can only imagine the relief she feels now. Her hard work paid off big time 🙌🏻
The finacial opportunities people in healthcare have are immense.
I’m a nurse. You won’t believe how many people refuse to pick up extra shifts. Yes the opportunity is there but less than 10% of nurses take advantage of it
SHE has been willing to DO what most are not. Live like no one else, so she can LIVE like no one else!!! A rare and most inspiring "Go getter" who was willing to rise and grind. She pushed herself to JUST DO IT!!! She is an extremely admirable young lady. Beautiful, smart, energetic, determined, and accomplished! There is nothing going to stop her once she sets her mind on achieving goals! 💜
I agree! I wish I could pick up extra shifts like that at my job. I mostly get overtime on Monday’s because it’s so busy. My over time is unpredictable
She made me cry! I’m so happy for her!
She is inspirational! I’m so proud of her.
I'm currently on baby step 2; I find myself coming back to this post whenever I need inspiration and motivation. Thank you Candice and the Ramsey team!
I used to applaud people like her usually and used to have a similar reckless approach to working hours, until my body (after ignoring my mental health) put a halt to that.
Don't recommend that for a longer period of time.
This is such an honest response. Blessings.
Definitely. Any longer and anyone would've been burnt out, mentally and physically. I'm glad she met her goal because I understand how it's better in the long run. But how was she able to consistently go to 12/13 hour hospital shifts with JUST A NAP?!
That's funny, it's your choice to stay weak, just don't complain about your circumstances
@@AZ_TONY It's also your choice to stay dumb.
@@arlenekbarrera Yes, that's crazy. Especially when you have so much responsibility as a nurse. It's one thing to be reckless towards your own health, it's another to possibly endanger other people's lives. I wouldn't have done it especially for that reason. I could never forgive myself.
Simplest of words…hard work pays off.
Congratulations Candice! So proud that you are debt free! You're an inspiration for me to pay off my student loans and other debts asap! Wish you all the best. Take care
I’m so freaking proud of her she’s absolutely amazing hard worker absolutely inspiring 🎉🎊🎉🎊🎉🎊
Hearing this lets me know I’m on the right track. Working 105 hrs a week.
Same, a lot of overtime aswell!
@@animegeek3109 let’s GO!
Oh God! Please be careful, that is a ridiculous amount! As Dave Ramsey said, it’s fine if it’s short term but long term that could wreak havoc on your body, your joints, everything. Don’t forget to take care of yourself 💕
The track to the graveyard...⚰️
@@leahmcdermott4189 🖤
Congratulations girl! Wow you gave me hope for when I finish medical school. Saving this for when I get discouraged
Love how humble she is! Congrats!
Incredible! What grit and tenacity. I can’t even imagine what her daily/weekly/monthly/yearly grind was like. I salute this woman. Way to go!
Congrats Candice..This is freaking of the charts gazelle intensity and you are indeed debt free..I am inspired..God bless your hustle my lady..
She's amazing!! Takes gazelle like intensity to a whole new level! How inspiring
Almost scrolled past this one on my lunchbreak - might be my favourite debt free scream ever, what an inspirational work ethic
I am soooo proud of you! Your are such an inspiration! Congratulations on sticking to the goal and becoming debt free! Thank you for being an example! 👏🏽👏🏽👏🏽👏🏽
She is so inspiring! I am 24 and I am trying to accomplish the same thing! I am a 100k less than her. This just solidify that I can do it! Thank you so much for sharing her story. This currently in a hut for a second full time job.
This is amazing what she did!
What an amazing woman!! I'm so proud, thanks for sharing your journey.
Love her quote "The plans change, but the goal never changes"
Thank you for this! This has inspired me to go harder! Especially being a nurse and furthering my nursing education as we speak!
This woman is awesome. I am smiling from ear to ear listening to this. I am so proud of her.
Wow!! Just goes to show there are no excuses(well maybe a few). If you want to get out of debt you can. Congrats Candice!
31 years wise! Super empowering testimony.
Amazing. Being a nurse myself I am motivated. Thank you for sharing your story Candice. I know I am on the right track.
Love this. I can’t even express it enough. This inspired me to keep going!!!!!
Congrats Candice! Everybody isn’t dealt the same cards but you can still play the game and WIN!
I'm debt free, but watching this fuels my passion to stay this way!!!!
👏🏾👏🏾 Congratulations!! This is amazing and she put her mind to doing this! Inspirational
I just watched this episode for a second time a year later and I'm still smiling. She is incredible and inspiring!!!🏆