Ian Victorine I noticed that as well. There ain’t nothing wrong with that, any work is better than just sitting on a couch complaining to Dave like things will happen miraculously
Exactly. It's unfortunate that we live in a society where people are ashamed of (if this is true in his case) of being hard workers. Where success is measured by a title or credentials. Sure, there's nothing wrong with having aspirations and goals. But, there's also nothing wrong with earning an honest living, either. Glad Dave validated that.
Samn here. I have more work experience than these people people with degrees. I make 49k. In about 6 months, if I get another promotion that I'm working on, I'll be making 65k at age 21.
@@timmydevil999 your math is wrong, it would be 1,593$, not 15K if you include federal and FICA, it would be around 9K in taxes total. take home would be around 31K.
Simple , he can make pizzas perfectly Everytime like he's feeding his own family. Basically if everyone called out besides the delivery drivers , he could easily run the store no problem . ( He picks up the slack everywhere )
Probably worked there from 16, and just gave his all. In school I had a friend who started McDonalds shift manager training before he was even 18, so he got the promotion as soon as he turned 18.
@@Trailblazers323 the dealer usely offer a smaller loan for a different car because they know it's stupid . And dumb kid still sign the big loan reguardless
_Dave, you gotta help me, I'm stacking debt, need more money, what do I do??_ _Ok, you need to do more, you need a side hustle. What do you work on?_ _I deliver pizzas._ . . . *_*impotent rage*_* ლ(ಠ益ಠლ)
The legal perspective of marriage is the reason that I don't want to bother with marriage. I'll pay my girlfriend's bills and deal with it if she decides to run off. I'm not going to deal with that same madness while married then needing to pay an attorney and court fees
The young man is doing a good job with making 40k in a year for 20 years old. He just made some bad decisions which a lot of us do when we are young but he sounds like a bright young man just needed a little guidance in right direction 👍
"average Pizza Delivery Driver salary in the United States is $20,936 as of December 26, 2019, but the salary range typically falls between $18,937 and $24,190." Dave always says deliver pizza on the side and make an extra $1000 (Which does not incude TIPS) You said "Unicorn Pizza man" So I'm going to assume you meant it's a rarity to have a pizza delivery person make an extra $1000 a month doing that job hence "Unicorn" Also I'd like to point out, the caller is NOT a delivery man, he's a General Manager so his salary is around double a delivery man not counting bonuses. So let's see if an extra $1000 like Dave says is common or uncommon as you believe. Lowest annual: $18,937 which is ($1578.08 monthly) Highest annual: $24,190 which is ($2015.83 monthly) Already you can see it's a fail position, you've already hit $1000 monthly even after tax at the lowest or highest average which means it's common to make $1000 like Dave says. Anyone not making $1000 must be working less than around 28 hrs and if that's the case, for THOSE people they can't hit $1000 without tips, but they are usually still make $700-$800 if they are part time. If they are full time, they hit $1000. It's simple math, Part time 20 hrs of work per week equals 80 hours and if you make $13 an hour that's $1,040 a month before tax so still with just 20 hours of work at $13 an hour you still almost make a $1040 after tax and most drivers are not doing 20 hours only and they make more than $13 as a driver. I used low numbers on purpose. What's unicorn about this? Stop repeating what you hear and assume and do hard numbers for facts. Even if you made $10 an hour, if you work 40 hours a week you make $1600 a month before tax. All you people do is keep your brain stuck in the same mindset that people have when we got the debt minus the ideas about the debt after watching Dave Ramsey which will also hold you back.
Its crazy i know some one who on facebook constantly posting pics of their vacation in europe constantly and new cars. My wife says we need to go on vacation look at everyone enjoying life were getting old (we are 36🤨) and who wants to go on vacation when were old. I say lets pay off everything we owe we should be debt free by march next year. Then i spoke to the couple a a birthday party and after couple drinks and turns out they are drowing in debt and paying minimums on everything and ruined their credit and maxed out everything. So next day i tell my wife , she has this look on her face like "oh wow🙄". Dont believe everything you see on face book.... P.S i know this has nothing to do with the video just throwing it out there lol
So true. Thankfully my wife has opened her eyes to it as well. Now we’re on the road to ACTUALLY being rich and going on vacations without going into debt.
Also, many people have sources of income that aren't readily apparent. Example: where I live, a lot of people have trust funds. They may not be huge trust funds, but it allows them freedom that other people don't have. They can drive better cars, buy a nicer house, and go on trips that you wouldn't think they could afford from what they do for a living. I also know people who get huge cash gifts from their well-off parents for Christmas and birthdays. I didn't understand this until a friend showed me the check for $50,000 that her in-laws gave her husband for Christmas. I have other friends whose rich parents give them huge amounts of money. They have new cars, go on trips all the time, eat out all the time at very expensive restaurants, all on $60k income a year, wink, wink. Then one day the husband told me what the deal was with his parents being rich (I didn't know).
I agree with you about getting out of debt but as soon as you can I would recommend that you travel. I am 49 years old and unfortunately many of my friends have started having health problems that limit their ability to travel. My nephew in law had a massive heart attack and died in May without warning. I believe in being debt free but I also put something away to use as a travel acoount. We are going to Italy with the kids next year but I am not going into debt. Congratulations on accomplishing your goal of being debt free but don't completely brush off your wife's desire to travel.
Mr. Ramsey I love that you always gives a young person props when they hold down a job no matter what the job. You can tell he was kind embarrassed to say his job but you were like good job good for you!!
I'm glad he pulled him up on the "not married" thing. There are playing as married, but with no commitment. I'm gen y but being married was important to me. Yes all I got was "just a piece of paper" but it's important
I used to be a dishwasher for a small restaurant….after they gave me one dollar rise and name me Dishwasher manager.I was so happy.even thought I was the only dishwasher.
So glad he called early on in life. He will make a lot of money in the software industry. Don’t give up kid. U on the right path just by discovering Ramsey
As a software engineer for 15 years with only a HS diploma I can speak to the fact that you do not need a 4 year degree writing software. We don't even have education as a requirement any more when hiring. We care about what people can do, not what they have learned.
@@luminous6969 We can only hope that he reads this and wakes up to the damage she's doing to his wallet. Ms. Pac Man is doing the woka woka woka on his earnings....
Worth asking, but I would doubt it would be worth much time. Getting a college assistance program generally means you owe the company future time. Additionally, it would depend highly on the region and/or franchise owner he is working for. He is not employed by YUM! brands.
Chris Invests - Personal Finance Videos they are probably eating out a lot and may have been paying some of his girlfriends bills if she is short one month. As well as probably has just given her money to get hair, nails, makeup etc. Not realizing how much is actually going out.
He's somehow thinking that he's responsible for her debt and you could tell from his reaction that she's not paying half the bills. It's basically a transaction. Physical relationship in exchange for room & board and she's hoping she'll get him to pay off her student loans on a rolling basis.
@@themontephone875 Yeah, you can visualize his though process. "Maybe I shouldn't have bought this car..." Finds Dave, reads comments "Maybe there's something wrong with this relationship...." Bet he sells the car and proposes to his girlfriend... that she start paying half the bills. And he'll find himself free of both very soon...
I'd love to know how many men get their girlfriends to pay off their debt as opposed to the other way around. For every one guy that does it, how many women do you think do it?
@Barbara Ann Touché. Fair point indeed but a 20yo kid shouldn't be paying for his GFs room, board, and college loans. If she needs a man to do all that, what the heck is she going to college for? She should have just gotten married out of high school. And this kid is trying to "do right" in his mind but they're not married. What happens when she graduates, decides to move 2000 miles away saying, "thanks for the memories"? He's trying too hard to be mature beyond his age, experience, or ability but it's a setup for failure.
He did stress that from a legal standpoint. And this guy did call into a Christian based financial show. Not sure if the young man knew it or what. Everyone has their beliefs.
@Josh S Oh.... look at little boy Josh, throwing a temper tantrum. It has nothing to do with the religious angle, you F---ing idiot. It has do with legal obligations.
How can someone study software engineering and have a full time job at the same time? I study software engineering in a University and I have zero free time, not even at the weekends. I do school work all the time.
with uber being a thing there is no reason for a college student to have a car because it will probably just sit during the week if you are at a large college...need to go somewhere? call uber and go for less than $20...$100 a month for uber or $380 + insurance and gas for a car...
@ people like to make excuses for why they can't do stuff, if you really put your mind to it and try hard enough you can survive without a vehicle, i have a coworker that hasn't drove in over 5 years because he figured out it was cheaper to live the way he lives...it's all about what you are willing to sacrifice to get there
We have $48k in debt, drop the roommate and $20k is taken care of! Then you have a future! Roommate can return when she’s debt free and you want to commit!
If you are not planning on marrage, go your own way. Focus on your life, education and life goals, going forward. Sell that car do it today. You can always get a "room mate"
Going for a degree in software development? He is clearly a smart guy and will make enough to cover all of his debt in no time! Just needs direction on his finances.
Guys it’s never to late to be aware. Everyone has their own path just focus on your mission and attack it hard. Block everyone out and be hungry to be a better version of yourself. God bless everyone.
I doubt he’ll do anything. Once Dave said there’s no “we” - you think the girl he’s with is going to let that slide? He’s going to end up paying her debt, too.
Do you think he took the time to call a financial expert only to go back and listen to his mooching "girlfriend?" If the girl had a brain at all he would've talked to her and figured things out. He's probably been thinking about dumping the girl but needed this push to tip the scale in his decision. The girl will soon dump him, then he'll be able to get his life together.
Over $400/credit hour? Dang college has gotten more expensive since I graduated in 2011. It was around $215/credit hour at my public 4-year university.
As someone who got a computer science degree with about $100k in debt, I’m glad he found this early.. he’ll be able to pay off whatever loans he has, but the stress and setback debt gives is rough.
"We don't have a combined total cause we aren't married!" - Dave Ramsey A lot of people really do shack up and want to play married. On the flip side of that there are a lot of single people in married situations as well. The "I" do this and that when it's suppose to be we should be focusing on this and that.
I fell asleep listening to Dave Ramsey and I woke up to this. So long story short I had a dream of finding my car in the parking lot of a Home Depot while Dave Ramsey omnisciently tells this man how to make his way through college
She's just a roommate but 45 years from now she's going to show up and say we were common law married and never got an official divorce so hand over half of your retirement funds and there won't be any way to stop her.
I remember I made dumb decisions. One of them was buying a new car on loan. Every month I had to pay almost 400 and the feeling was just painful bc I was always broke. Lol. I'm so glad that I dont have any more car payments. I definitely do not miss car payments anymore
Kudos to this guy for his financial awareness. Should look at a tech school for this tho. Half the price and you get in to core classes immediately. In my experience a company cares more about what you can show them programming wise vs where your degree came from.
Dude, you're in good shape..BUT! Sell your car and do not move in with a "roommate" unless your "roommate" is paying at least half of rent and utilities.
Software development, this dude is going to be fine. That is a skillset constantly in demand. Also everyone needs to endure a hoopty. Mine was a 1980 Mustang.
I agree that 18k car for 44k yearly income sounds to high, but then again wasn't Dave's rule to keep motor-things you buy under 50% of your income? That'd qualify his car.
Didn't start making any income at all until I was 22... even then I was making $15k/yr working more than full time and I did that for 5 years. This guy is miles ahead of me.
I'm with Dave on this one. Treat the girlfriend like a roommate. Split the bills. You're on the right track. 40k a year at 20 is pretty impressive. If your girlfriend can't hold her own, drop her because she's dead weight.
![[MV] A leap of faith...ความเชื่อใจครั้งสุดท้าย (From "Petrichor the series")](http://i.ytimg.com/vi/U1piZH2CNXA/mqdefault.jpg)
![[TH] 2024 PMGC League | Survival Stage วันที่ 1 | PUBG MOBILE Global Championship](http://i.ytimg.com/vi/FVFT-PFwU80/mqdefault.jpg)
He seemed to be ashamed of being a manager of a Pizza Hut. Very kind of Dave to quickly say "good for you". What a nice guy.
Ian Victorine I noticed that as well. There ain’t nothing wrong with that, any work is better than just sitting on a couch complaining to Dave like things will happen miraculously
I sensed that as well. He's making a honest living and he's making more than some people that have a degrees. No need to be ashamed at all.
Yep no shame in making a honest living, 🙌🏽
Exactly. It's unfortunate that we live in a society where people are ashamed of (if this is true in his case) of being hard workers. Where success is measured by a title or credentials. Sure, there's nothing wrong with having aspirations and goals. But, there's also nothing wrong with earning an honest living, either. Glad Dave validated that.
Ian Victorine . Hmmm. He didn’t want to get fired. Yep!
20 years old and making 40 grand is good. Most 20 years olds can't come up with 40 bucks.
Samn here. I have more work experience than these people people with degrees. I make 49k. In about 6 months, if I get another promotion that I'm working on, I'll be making 65k at age 21.
Idk where y'all live but I live in pa in the mountains where houses are dirt cheap like 60k-100k
So true. I was making minimum wage working at 711 when I was 20.
Yeah I’m 22 and make about 23k and cash flowing my classes with financial aid
@@TutandGaming just dont blow it on a car.... drive a cheap 10 grand or less
Be proud of your job Nick. Not everyone is cut out for management.
No Debt But Love -YES! Everyone is so caught up on what people think. You gotta a great paying job and you live in a Great Country. Own it pal.
Guy's gonna be fine. Can y'all imagine if you were this financially aware at age 20?
@ Ross Miller - In the words of Cher: “If I could turn back ti-ime . . .”
@@lovethemflowers yeap exactly
Yeah, I'd have a lot more money saved.I regret all of the useless junk I purchased in my 20s.
So financially aware he bought a 20,000 car while he's in college.
@@beckamayfield9912 and smart enough to realize he needed to call Dave for help
When I was 20 I would kill to make $40,000 a year. All I remember from my
20’s is getting into my 30’s with no money
TWDxKILL3R haha!
Better than me, me and my wife made 22k with a 2 kids until I was 26
@@mblake0420 We all have to start somewhere. Good on you moving forward towards a better future for you and your family!
@@JuniFFXIVChannel delivering pizzas to million dollar loads
Im guessing 40k now is like 65k in 1999.
dude makes 40K a year at 20.
and he lives in Mississippi, one of the lowest cost of living states in America!
akui88 he’s probably not seeing $15k of it with Mississippi’s taxes.
@@timmydevil999 your math is wrong, it would be 1,593$, not 15K
if you include federal and FICA, it would be around 9K in taxes total.
take home would be around 31K.
timmydevil999 Mississippi taxes are not really bad.
@NurturingTalents he's not an owner.
I wanna know how he became a general manager at Pizza Hut at 20???? That's an accomplishment.
Simple , he can make pizzas perfectly Everytime like he's feeding his own family. Basically if everyone called out besides the delivery drivers , he could easily run the store no problem . ( He picks up the slack everywhere )
Probably worked there from 16, and just gave his all. In school I had a friend who started McDonalds shift manager training before he was even 18, so he got the promotion as soon as he turned 18.
Not as hard as it may seem actually 😅 was given the opportunity at 19 but I passed on it 🤧
As a 20 year old I was making $36k and bought a $31k truck. Dang I was dumb.
Sometimes we have to pay the stupid tax before we realize our mistakes. At least now you are wiser. :)
@@Trailblazers323 the dealer usely offer a smaller loan for a different car because they know it's stupid . And dumb kid still sign the big loan reguardless
Ben B You’re “normal” - sadly.
G. Dub Was normal. That was 20 years ago.
😂😂 Me too!!
Dave couldn't tell him to deliver pizza this time!
Hahahahahaha
He manages the delivery boys
Gardener Earth Guy 😂
LOL!
_Dave, you gotta help me, I'm stacking debt, need more money, what do I do??_
_Ok, you need to do more, you need a side hustle. What do you work on?_
_I deliver pizzas._
. . . *_*impotent rage*_* ლ(ಠ益ಠლ)
🤣🤣😭"We don't have a combined total because we aren't married. Now how much do you have?"
I knew that was coming🤣🤣
He would be an idiot if he is paying off her debt too!
But then turned around and asked him how much do yall owe on the car lol if they have that car together then they have combined debt haha.
well its true so pay partners bills unless youre married
I had a friend who’s parents weren’t married but lived together and combined their incomes .
The legal perspective of marriage is the reason that I don't want to bother with marriage.
I'll pay my girlfriend's bills and deal with it if she decides to run off. I'm not going to deal with that same madness while married then needing to pay an attorney and court fees
Dude's girlfriend needs to listen to this video clip also.
I hope she is smart enough to listen to what he says!!
Never play house, I like how Dave cracks the whip on this topic.
Nothing wrong with playing house, you just don't let the other person live off of you for a piece of tail once in a while.
The young man is doing a good job with making 40k in a year for 20 years old. He just made some bad decisions which a lot of us do when we are young but he sounds like a bright young man just needed a little guidance in right direction 👍
Yes. He’s actually not doing too bad. He just needs a hoopty.
Pizza Hut is paying 40 grand a year ??? Let me put in an application
@@Trailblazers323 he doesnt have a college degree. Hes is in school. So hes banking 40k with just high school or associates
K Centanni yes a general manger. Not a dough boy/delivery girl.
@@Thathat-o7w tea masters but do you have a lsw as well?
@@Thathat-o7w that seems a bit low..maybe try another company..I would think atleast 50 with lsw
@@Thathat-o7w I would probably move and apply at another company.
it's dave's unicorn pizza man paying his way through school. he can barely contain his excitement!
"average Pizza Delivery Driver salary in the United States is $20,936 as of December 26, 2019, but the salary range typically falls between $18,937 and $24,190."
Dave always says deliver pizza on the side and make an extra $1000 (Which does not incude TIPS)
You said "Unicorn Pizza man" So I'm going to assume you meant it's a rarity to have a pizza delivery person make an extra $1000 a month doing that job hence "Unicorn" Also I'd like to point out, the caller is NOT a delivery man, he's a General Manager so his salary is around double a delivery man not counting bonuses.
So let's see if an extra $1000 like Dave says is common or uncommon as you believe.
Lowest annual: $18,937 which is ($1578.08 monthly)
Highest annual: $24,190 which is ($2015.83 monthly)
Already you can see it's a fail position, you've already hit $1000 monthly even after tax at the lowest or highest average which means it's common to make $1000 like Dave says. Anyone not making $1000 must be working less than around 28 hrs and if that's the case, for THOSE people they can't hit $1000 without tips, but they are usually still make $700-$800 if they are part time.
If they are full time, they hit $1000. It's simple math, Part time 20 hrs of work per week equals 80 hours and if you make $13 an hour that's $1,040 a month before tax so still with just 20 hours of work at $13 an hour you still almost make a $1040 after tax and most drivers are not doing 20 hours only and they make more than $13 as a driver. I used low numbers on purpose.
What's unicorn about this? Stop repeating what you hear and assume and do hard numbers for facts. Even if you made $10 an hour, if you work 40 hours a week you make $1600 a month before tax. All you people do is keep your brain stuck in the same mindset that people have when we got the debt minus the ideas about the debt after watching Dave Ramsey which will also hold you back.
@@mrfred1000 Why did you feel the need to write all of this condescending bs on someones joke? Go outside.
I thought this was funny, it was just a joke. This 20 year old will be fine.
Dave See see people there’s money to be made in pizza 🚙 🍕🍕🍕
Keep working hard, Nick! 40k is good
Its crazy i know some one who on facebook constantly posting pics of their vacation in europe constantly and new cars. My wife says we need to go on vacation look at everyone enjoying life were getting old (we are 36🤨) and who wants to go on vacation when were old. I say lets pay off everything we owe we should be debt free by march next year. Then i spoke to the couple a a birthday party and after couple drinks and turns out they are drowing in debt and paying minimums on everything and ruined their credit and maxed out everything. So next day i tell my wife , she has this look on her face like "oh wow🙄". Dont believe everything you see on face book....
P.S i know this has nothing to do with the video just throwing it out there lol
So true. Thankfully my wife has opened her eyes to it as well. Now we’re on the road to ACTUALLY being rich and going on vacations without going into debt.
That's why you don't let the wife decide or have a say in those things. It's just inviting trouble later on.
Also, many people have sources of income that aren't readily apparent. Example: where I live, a lot of people have trust funds. They may not be huge trust funds, but it allows them freedom that other people don't have. They can drive better cars, buy a nicer house, and go on trips that you wouldn't think they could afford from what they do for a living. I also know people who get huge cash gifts from their well-off parents for Christmas and birthdays. I didn't understand this until a friend showed me the check for $50,000 that her in-laws gave her husband for Christmas. I have other friends whose rich parents give them huge amounts of money. They have new cars, go on trips all the time, eat out all the time at very expensive restaurants, all on $60k income a year, wink, wink. Then one day the husband told me what the deal was with his parents being rich (I didn't know).
Fakebook
I agree with you about getting out of debt but as soon as you can I would recommend that you travel. I am 49 years old and unfortunately many of my friends have started having health problems that limit their ability to travel. My nephew in law had a massive heart attack and died in May without warning. I believe in being debt free but I also put something away to use as a travel acoount. We are going to Italy with the kids next year but I am not going into debt. Congratulations on accomplishing your goal of being debt free but don't completely brush off your wife's desire to travel.
Sounds like Dave wanted so bad to tell him to drop the girlfriend because he sounded like he is paying her bills too.
I can't believe how many people buy BRAND NEW CARS while IN COLLEGE. It blows my mind.
A lot, if not most of those kids have cars paid for by Daddy. Lots of kids' parents give them a car for their high school graduation.
Military is worse.
And trust me I’ll never buy a brand new car again.
Yes. There are a lot of really nice low mileage used cars out there. It doesn't matter the age of the car but the mileage.
Dave’s a National Treasure
Mr. Ramsey I love that you always gives a young person props when they hold down a job no matter what the job. You can tell he was kind embarrassed to say his job but you were like good job good for you!!
20 years old and a GM at a pizza hut. This kid will be going places, he will be fine.
This guy is doing very well. Well done man, in debt but future is bright
Nick: “We make a total of $47,800.”
Dave: “There’s no ‘we’. How much do you make?”
Nick: “$40,000”
So all of it, dude. She’s not helping
She'll help herself after he pays her debt. **wink**
No 47,800 was their combined debt homie
No that wasnt income...he was saying the total debt they owed combined
If they live together it’s WE. I don’t know why Dave is so condescending sometimes.
@@ravengale agreed some couples work well and can handle this before marriage and others can not....🤷♂️
I'm glad he pulled him up on the "not married" thing. There are playing as married, but with no commitment. I'm gen y but being married was important to me. Yes all I got was "just a piece of paper" but it's important
So glad he called Dave Ramsey. If he will do this, he will legitimately avoid the heartaches that he's headed for right now.
What a smart 20 year old. I was making a lot of financial mistakes at his age. Way to go Nick, you're a future millionaire.
Unlike all the usual commenters, Dave does not compare him to the average 20 year old, but speaks to his potential. Once again Dave is Dad !
I used to be a dishwasher for a small restaurant….after they gave me one dollar rise and name me Dishwasher manager.I was so happy.even thought I was the only dishwasher.
I wish I got this advice when I was 20.... smh
better late than never.
Nat-Nat C. Me too.
@@Trailblazers323 what were you doing making 60k at age 20?
Hey beautiful
Vanessa yes, we need to know what job you had, that’s amazing!
Car payments are the problem. Get rid of all debt, cash flow college... I did all that in the 1990’s-2000’s.... the payoffs are incredible.
Thats exactly where I am at, 38 and hating the 20 tear old version of me
Honestly, once you take the crazy car loan out of the equation, this kid is crushing it! Sounds like he has a good head on his shoulders.
He’s doing amazing! Once he corrects the few things he’s immediately on the fast track! Good job!
Encouraging. Calling in for guidance. Great job. Recognize it’s emotional decision making.
Looks like his VEHICLE is eating his EDUCATION $
Wow. He’s doing great st 20 years old and in college. I wish I had learned of Dave Ramsey when I was 20. Life would have been a lot different!
So glad he called early on in life. He will make a lot of money in the software industry. Don’t give up kid. U on the right path just by discovering Ramsey
As a software engineer for 15 years with only a HS diploma I can speak to the fact that you do not need a 4 year degree writing software. We don't even have education as a requirement any more when hiring. We care about what people can do, not what they have learned.
I am so glad of that.
The market is flooded now and that is a huge issue
He makes 40k, has a roommate, has a $350 monthly car payment, but cant afford school? There's something missing.
The chick is burning through his stack and he's not wise enough to see.
He's 20. He goes out and goes shopping.
Yeah she's using him as a utility in exchange for P-sleeve access.
Luminous Yes, via Coach Adams lol
@@luminous6969
We can only hope that he reads this and wakes up to the damage she's doing to his wallet.
Ms. Pac Man is doing the woka woka woka on his earnings....
He should be able to get rid of his student loan debt without having any issues!!
Not sure how 40k cannot pay of an 18k car note.
What’s his rent/mortgage? Did I miss that part?
If your manager or general manager at Pizza gut aka hut see if they have any college assistance programs.
Worth asking, but I would doubt it would be worth much time.
Getting a college assistance program generally means you owe the company future time. Additionally, it would depend highly on the region and/or franchise owner he is working for. He is not employed by YUM! brands.
*you're
I bet the girlfriend does not like Dave after this call!
She is probably high maintenance 😂
The Radical Reseller wait til she stops taking the pill
I'm surprised he can't cash flow most of the schooling with a "roommate" and an income much higher than most college students 🤷♂️
Chris Invests - Personal Finance Videos they are probably eating out a lot and may have been paying some of his girlfriends bills if she is short one month. As well as probably has just given her money to get hair, nails, makeup etc. Not realizing how much is actually going out.
Chris Invests - Personal Finance Videos His “roommate” is a liability in his financial situation.
The roommate is paying her bills from her back, that’s why
Dave is filling a huge gap. Many people have no one to guide them with personal finance. He also seems like he genuinely cares
He's somehow thinking that he's responsible for her debt and you could tell from his reaction that she's not paying half the bills.
It's basically a transaction. Physical relationship in exchange for room & board and she's hoping she'll get him to pay off her student loans on a rolling basis.
yamamancha . Hmmmm he’s desperate and can’t figure it out. He realized he needed professional guidance. Yep!
@@themontephone875 Yeah, you can visualize his though process.
"Maybe I shouldn't have bought this car..."
Finds Dave, reads comments
"Maybe there's something wrong with this relationship...."
Bet he sells the car and proposes to his girlfriend... that she start paying half the bills.
And he'll find himself free of both very soon...
I'd love to know how many men get their girlfriends to pay off their debt as opposed to the other way around. For every one guy that does it, how many women do you think do it?
@@luminous6969 Not common, I'd imagine. And when it does occur, society usually labels them lazy pigs or worse.
@Barbara Ann Touché. Fair point indeed but a 20yo kid shouldn't be paying for his GFs room, board, and college loans. If she needs a man to do all that, what the heck is she going to college for? She should have just gotten married out of high school.
And this kid is trying to "do right" in his mind but they're not married. What happens when she graduates, decides to move 2000 miles away saying, "thanks for the memories"?
He's trying too hard to be mature beyond his age, experience, or ability but it's a setup for failure.
This man is doing good. Anyone that thinks different probably didn't have to work hard in their 20s
This is one of the best clips I seen from Dave!
Love when he corrects people playing marriage
I sure as heck was not this focused at 20. Good luck.
Software developer with managerial experience. He's probably in a great place now.
Probably one of my favorite Dave Ramsey Videos. So Informative
DR is that dude!!! 🙌
Excellent advice!
There is no we . Only marriage makes you we . People need to get that in their thick head .
He did stress that from a legal standpoint. And this guy did call into a Christian based financial show. Not sure if the young man knew it or what. Everyone has their beliefs.
@Josh S Oh.... look at little boy Josh, throwing a temper tantrum. It has nothing to do with the religious angle, you F---ing idiot. It has do with legal obligations.
The girl makes him pay the lion's share of the bills.
@Josh S A little triggered aren't we?
@Josh S I am no Christian, but I believe if you are not married you don't need to be paying for someone else's bills! marriage is a contract!
Just the fact that he heard fo Dave and called in to seek advise at the age of 20, we know he will be fine financially.
Keep going bro you're going to make it!!!
If he gets rid of the car and has no social life, he probably won't have the girlfriend either.
Sounds like a win-win.
How can someone study software engineering and have a full time job at the same time? I study software engineering in a University and I have zero free time, not even at the weekends. I do school work all the time.
He is still in the pre-requisite phase of his education. When the software classes start things are going to get dicey.
I think he will win in life. Its 4 years later. I hope he has his degree
You won’t see the inside of a restaurant unless you work there.
I make 35k and I have a bachelors degree. Brb gonna go start working at Pizza Hut.
Right. I have a degree and make 10 dollars an hour...lol
What did y’all study?
@@dmitriyr4095 the real question.
with uber being a thing there is no reason for a college student to have a car because it will probably just sit during the week if you are at a large college...need to go somewhere? call uber and go for less than $20...$100 a month for uber or $380 + insurance and gas for a car...
Did it not occur to you that some people commute? Living on campus is actually a horrible financial decision if you can avoid it.
@@Trailblazers323 that is true, i forgot about that, my sister had a free bus shuttle everyday to and back from school
@ people like to make excuses for why they can't do stuff, if you really put your mind to it and try hard enough you can survive without a vehicle, i have a coworker that hasn't drove in over 5 years because he figured out it was cheaper to live the way he lives...it's all about what you are willing to sacrifice to get there
I love how Dave cares about his wife and marriage but he ain’t no simp.
We have $48k in debt, drop the roommate and $20k is taken care of! Then you have a future! Roommate can return when she’s debt free and you want to commit!
👍
😆🤦♂️
AND, when he "drops the roommate" he can get out of her apartment and find his own place to rent and man up & stop "playing house." 💯💯💯💯
If you are not planning on marrage, go your own way. Focus on your life, education and life goals, going forward. Sell that car do it today. You can always get a "room mate"
Going for a degree in software development? He is clearly a smart guy and will make enough to cover all of his debt in no time!
Just needs direction on his finances.
If I knew/learning what I am now at 20 I’d be great right now. He’s doing good and correcting early.
Guys it’s never to late to be aware. Everyone has their own path just focus on your mission and attack it hard. Block everyone out and be hungry to be a better version of yourself. God bless everyone.
I doubt he’ll do anything. Once Dave said there’s no “we” - you think the girl he’s with is going to let that slide? He’s going to end up paying her debt, too.
Do you think he took the time to call a financial expert only to go back and listen to his mooching "girlfriend?"
If the girl had a brain at all he would've talked to her and figured things out. He's probably been thinking about dumping the girl but needed this push to tip the scale in his decision. The girl will soon dump him, then he'll be able to get his life together.
I love ya Dave but this Software Developer can tell you 150k salary is Development Manager cash, not anything near new grads.
Would love to find a company around me that doesnt think entry level for software development doesnt require 1+ years of experience.
It is a lot of work to train junior also the market is flooded
I am a computer engineer and Dave is right! He knows what he is talking about.
At least he is 20 and can turn his life around.
This young person knows his finances. Awesome!!
Smart advice Dave.
Over $400/credit hour? Dang college has gotten more expensive since I graduated in 2011. It was around $215/credit hour at my public 4-year university.
Dave just changed this guys life
Good job keep going up 👍
As someone who got a computer science degree with about $100k in debt, I’m glad he found this early.. he’ll be able to pay off whatever loans he has, but the stress and setback debt gives is rough.
"We don't have a combined total cause we aren't married!" - Dave Ramsey
A lot of people really do shack up and want to play married. On the flip side of that there are a lot of single people in married situations as well. The "I" do this and that when it's suppose to be we should be focusing on this and that.
I fell asleep listening to Dave Ramsey and I woke up to this. So long story short I had a dream of finding my car in the parking lot of a Home Depot while Dave Ramsey omnisciently tells this man how to make his way through college
She's just a roommate but 45 years from now she's going to show up and say we were common law married and never got an official divorce so hand over half of your retirement funds and there won't be any way to stop her.
Only if they live together for 7 yrs
@@hannahlevin3286 Laws vary by state. Manny people are legally married without knowing it.
Dave gave great afvice!!!
I remember I made dumb decisions. One of them was buying a new car on loan. Every month I had to pay almost 400 and the feeling was just painful bc I was always broke. Lol. I'm so glad that I dont have any more car payments. I definitely do not miss car payments anymore
Look at Dave's calculator. It's an old HP. You can tell from the landscape profile.
A manager at 20! Wow!!!!
Should be stacking sats, not debt!
what does stacking sats mean?
0:45 Probably about? He doesn't know...smh.
I love it. There is no we unless you're married. So true.
Kudos to this guy for his financial awareness. Should look at a tech school for this tho. Half the price and you get in to core classes immediately. In my experience a company cares more about what you can show them programming wise vs where your degree came from.
Dude, you're in good shape..BUT! Sell your car and do not move in with a "roommate" unless your "roommate" is paying at least half of rent and utilities.
Software development, this dude is going to be fine. That is a skillset constantly in demand.
Also everyone needs to endure a hoopty. Mine was a 1980 Mustang.
Girlfriend is going to find herself short a roommate and possibly a boyfriend in a couple days.
I'm in the same field, good field.
Men student debt is non transferable marriage or not. Do not let these women trick you into paying their student loans off.
I agree that 18k car for 44k yearly income sounds to high, but then again wasn't Dave's rule to keep motor-things you buy under 50% of your income? That'd qualify his car.
Key word is paid off.
0:33 “we don’t have a combined total...’we’ aren’t married.” 😂😂😂
Didn't start making any income at all until I was 22... even then I was making $15k/yr working more than full time and I did that for 5 years. This guy is miles ahead of me.
I'm with Dave on this one. Treat the girlfriend like a roommate. Split the bills. You're on the right track. 40k a year at 20 is pretty impressive. If your girlfriend can't hold her own, drop her because she's dead weight.