How Do I Avoid Loans If I Don't Have Any Money?
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- เผยแพร่เมื่อ 18 ส.ค. 2022
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Dave says you can make $30 an hour putting bread on the shelves, where can I put bread on shelves ????
You could if you own the route! I used to have a bread route and some of them make really good money! especially if they own more than one route!
Come to Australia and you get 60/hour if you do it on a Sunday.
Who do y’all think put bread, chips, cookies, etc on selves, cuz it’s not the store clerks! It’s outside vendors
Walmart by me is hiring at $16 an hour. But that’s a far cry from $30
@@yeahdude1986 outside vendors put their own bread on the selves, not the store
Very true! I remember going to college and a friend of mine would not take any offers for student loans. She just worked her way thru college, sometimes she took off a semester just working, determined to pay her tuition by working side jobs. I didn't understand it at the time, but now I can really appreciate her stance on the matter. I think she appreciated college more, and took her classes seriously, than a student who used a loan, especially in her twenties at that time.
When did you go to college?
When was this ? Try doing that with todays prices and wages LOL
@@erin9868 1996-2000
@@erin9868 1996-2000
I would be very curious to know if Dave pays his janitors $25 starting out.
Dave cleans the toilets at Ramsey Solutions.
Im sure he pays the going rate in his community. In my community,* the going rate is 32$ per hour.
@@clarifyingquestions ppl don’t kno that they make decent money
This is what a lot of companies pay or at least approximately.
I live in an average paying state and even most fast food restaurants are approaching 18 to $20 an hour just for starting wages.
Dave was actually spot on with that statement. I make $25 an hour cleaning toilets. 🤣
The lady on the left is so sweet - i hope she gets her own show soon so we can hear her more 🙏
How on earth can Dave be this out of touch with reality?
He needs to update his program. His baby steps are stuck in the 80’s. You need at least $3K to $5K for an emergency fund.
@@devo6867 no, you need a 3-6 months of your outgoing budget as an emergency fund. That $1000 starter baby step is just to show yourself that you can save money, since the majority of people can't even do that nor have they tried.
@@devo6867 lol commenting on Dave and you don't even know what he teaches
You should stand up straight with your shoulders back and face your dragon with your eyes wide open instead of choosing victimization.
@@devo6867 Lol no his original plan was ZERO starter emergency fund. When you are in debt you need basically ALL the money going to the debt, not piling up money in an emergency fund. When you are out of debt, THEN you need 3-6 months expenses in an emergency fund.
I like this lady they are featuring now. She provides calm, actionable information, that above all, makes sense.
Always do your own research and make the best decision for you and your family.
Smart comment
Dave needs to stop being so rude to folks geeze! she's calling for support and guidance not to be criticized , thank you Kristina for being a great advisor, and patting her on the back while giving her support. She's 20 and really thinking about her path.
OMG, Dave is brutally honest and he just made me 😂😂😂…. Boy, but is he on point. I wish I would have come across him in my twenties 🙏🏻💜
I appreciate this show and Dave's teachings. It sure has helped a lot of people over the years.
Lots of good information, but a lot of his $$ per hour is only in specific areas.
@@fourdayhomestead2839 I would argue most areas.
I waitressed.on the weekends and went to school thru the week I kept my GPA up for state funded scholarships. I paid cash for my room and board. I also joined the military and they paid for the rest
The ANG and Air Force helped pay my tuition. It was the benefit of joining at the time.
Not everyone wants to be a disposable asset to the US army these days.
@@DagnirRen This was in 2008. I wouldn't join today. But I guess if you're desperate enough.
@@alishaberrey6603
Nothing to do with desperation unless you can't do or learn anything.
I spent most of my time at Lockheed and NASA as a AMT/NDT tech and metallurgical engineer.
$25 an hour to be a janitor in Mississippi? + free tuition benefits? Where do I sign up?
It's called the military. And room and board are included in that $25 an hour
Or check you local city jobs! Your more than likely gunna have to take a test, but they def make good money
I was born in Mississippi....there's barely anything that pays $25 per over there, even with a bachelor's 🤣
@@insideoutsideupsidedown2218 And the opportunity to kill people...Winning!
@@handleyobusiness HVAC
A supervisory Janitor may make $25/hour. You're not going to jump right in making $25/hour.
Depends on location
Depends on where you live
@@insideoutsideupsidedown2218 typically the areas that pay more also have a higher cost of living as well.
@@michaellaviola3125 Are people being willfully ignorant!!! You should not have to tell people that cost is relative a the more you make sometimes it also cost more too!
@@donaldlyons17 Hes just whining and putting his drama out on YT lol
One of the companies I worked for paid up to $3000/yr for college. I went part-time and got my entire degree covered.
My elderly neighbor pays kids in her church college tuition. All they had to do was ask.
Chik Fila
There are always ways. Maybe you get some paid for by your employer, maybe some paid for with grants and scholarships, and maybe the rest with savings. Many people are too lazy to figure it out. They just want it all handed to them.
Just told the hospital I expect $25/hr. for their janitorial opening. They admitted me for insanity. Now I'm a janitor requesting $25/hr. with a mental health diagnosis. The doctor said I didn't need to add the mental health diagnosis part to the sentence because it's implied when I requested $25/hr.
lol
Lol!!
hahhahha lol too funny!!!!!
What did they tell you about your DRAMA? Plenty of people in the comments making $25 or more cleaning drama queen
Starbucks and target I believe offer tuition assistance as well
I worked while in x ray school and boy did it help me in long run !!
Turn out the lights.....you GLOW
Dayuuuum who’s paying 25 to clean toilets
The jobs are out there
@@reese85 not in my area lol
@@reese85
where at ?
@@kaiung7542 school janitors, hotel housekeepers, there’s a guy in a few of the comments that says he’s making 25 an hour now cleaning toilets! Like y’all buggin! Stop looking down on certain jobs cuz they seem beneath you
@@reese85
I just called my local
hampton hotel and they are offering $17.50/hr...what you smoking?
Customer: Sh’tters full
Student: 💰 💴 💵
Can you try to listen first before commenting.
I don’t think schools offer discounts. Payment plans yes but not discounts.
There is a huge discount for residents vs nonresidents
@@paulinoaz that's not a discount. That's standard pricing
@@paulinoaz Not really a 'discount' as it is being used. The theory is in state residents paid ( or their guardians paid ) state taxes to support the school. Out is state applicants pay a higher rate to compensate for that and prevent a 'free ride' at the state taxpayers expense.
The only discounts are military. Also who makes $25 an hour as a janitor? Dave Ramsey is so out of touch
@@stevenporter863 If the person asking the question is paying out of state tuition now then if they move back home to take classes and get in state tuition prices they could have thousands, so yeah that does qualify as a HUGE discount
Dave... I wish I knew you back in the day... I went to Embry-Riddle Aeronautical Univ back in 2004-2007. I came out with only 82k in debt and a degree but some students who took 5-6 years to get a 4 year engineering or pilot's degree had like 150-200k in debt. My debt was bad enough.
😂
Kristina: Nice. Motivating. Sympathetic
Dave: you gotta clean some toilets
Love the duality
tuition benefits if you agree to work for them when you graduate meaning only school programs that are relevant to the industry. most people are in school to get out of an industry that requires no degree to one who does. js and if you don't graduate or quit, you owe them now
Where do I sign up? 🤔
I don't mind pushing a broom for $25/hour a few nights a week
I already do it for free in my shop
In our area, you can make start at $19-$21 an hour to be a Custodian I. For a Custodian III, which is not a Supervisor, it's up to almost $26
Apply for FAFSA in October and scholarships. It's common sense. Work full time while you get the electives out of the way. It's an easy answer.
What is "FAFSA"?
U have to file independent and be real broke
Its like medicaid for school
The FAFSA is the Free Application for Federal Student Aid. It's the one-stop application that let's Federally-backed secondary education lenders know that you're seeking help paying for a secondary education. Information you add to that application will prompt lenders to offer you grants and loans. Say yes to grants, no to loans. Grants for not need to be paid back. Also, research ALL scholarships for which you MIGHT be eligible (there are hundreds) and you might just scare up enough money to cover your entire tuition. It's a lot of work, but hey, free college.
@@charlesputt8588 Thanks for explaining.
@@charlesputt8588 👍👍 you have my full education story in that paragraph.
My son is going to one of the majorly ranked universities in our state tuition free due to financial aid and scholarships. We are cash flowing the fees and books. I couldn't be more proud. He's going to a great school. Was accepted to every school he applied to but this one was a no brainer because it's tuition free! I'm very proud of my boy. No student loans and a very bright future ahead.
@@drinkwater9891 you should like a super fun person..
@@drinkwater9891 yeah that's a yikes from me dawg
@@drinkwater9891 Dawg
I feel Dave has good advice many times but not this time. When I went for my RN I went through pell grants, Stafford loans, and there are federal tax credits available. I paid off the LOAN that I got and now I make so much more. I went to a community college so the loan wasn't crazy but still I got a loan.
Clearly she doesn't believe dave when he says u can make 25 bucks cleaning toilets. But no one ever corrects him .. obviously Dave is out of touch with reality
You def could! Some of they make 100k
In our area Custodians start $19 -$26 an hr.
@@insideoutsideupsidedown2218 ppl clowning and have no clue! Ppl take city test for these jobs and they pay well
Don't need to correct him. It's not that important.
He's not the one broke,in debt, and concerned about his next meal,housing,and whatnot..
@@KurtisB
They are definitely out there. Many look down on these types of jobs and assume things so it remains best kept secret and overlooked.
Jobs are like finding affordable homes.
All about location and the effort put in to find them.
You can also get a "social life" at work... many jobs are enjoyable if you like the industry and have a nice boss.
Everyone is leaning on the janitor comment. Stop taking everything so literal. It’s about making sacrifice and going to find a higher paying job. Most people want the ideal situation and when it doesn’t work, you struggle. Sometimes you can’t have the ideal situation.
Exactly!!!!
Indeed. This $25/hr janitor remark has many excited and upset at the same time.
Desperate times for some.
But they really can make that or more!
Well, he literally said it. More importantly however, depending on what she is studying, she may not have enough hours in the day to work 40 hours. If you’re studying something worthwhile between class, labs, and homework you’re probably in school more than 40 hours a week, and you do need to sleep! I get the impression that 40 years ago college was much, much easier, or maybe just certain majors?
@@Joseph565112 The same can be said about a family who decides to have kids and still have to work full time jobs. This is life and if you're living in America, unfortunately time is a luxury. So either you complain or you find ways to better your situation by sacrificing in the short term, to win the the long term.
I'm about to tackle two jobs & college at the same time. Yes Temporarily its gonna be taxing but the payoff long term is going to be...pretty ducking big with what I'm trying to do lol
25 bucks an hour is chump change too with all the hyperinflation
I was working dual jobs washing dishes at Denny's and Janitor while going to school full time. No life for over two years and lived in my van half the time.
Could only get a good sleep on weekends.
Wasn't that bad and all great once career started and money coming in.
It is not the number of jobs , but the number of hours. Most people flex the number of jobs, but when you ask how many hours do you work per week it adds up to under one full time position.
@@clarifyingquestions
Really nothing to do about flexing or anything. All about doing what you have to do.
When I was going to school a full time job meant benefits and they didn't want to do that for a student they know was going to be temporary. So it was always part time and you grab what you can get even if it meant up to three jobs and hours can be 10-40 or more hours a week.
Up to the individual.
Luckily I made the right decision buying a van. Living in it increased my living expenses over 90% without paying rent.
Also worked,saved,and invested through high school and a year after before heading off to school so I had emergency fund so private loan was avoided and not necessary.
@@blackworldtraveler3711 wasn't responding to your comment. My point was not how many jobs but how many hours one works per week and how much you make - that is where the flex comes in or victimhood. Im a result oriented person - so not impressed by how little or how much a person makes as long as they are financially independent ie can look after their elderly self.
* Sounds like we are in agreement but again my comment was not in response to yours. Best
You can make 100k..doing blah blah..no dave you can not..I like Dave but he's way off with just throwing numbers out there..he's a millionaire that isn't in the real world
He’s right kinda right tho! You can def make 100k cleaning toilets
Wrong dope, been proven in the comments multiple times lol Bring your drama somewhere else.
@@donjohnson1416 tf are you talking about..no facts or anything..great rebuttal 🙉
@@User.9.459 my proof is way more reliable than yours. Yours is NOTHING mine is at least said by a few people in the comments! Lol. Great rebuttal
@@donjohnson1416 ok bud
State schools are not free unless you have a really high ACT score.
My financial aid office told my roommate, “if you can’t afford to be here than leave.”
Dave says don't go to school. Just work and claw your way through
I took out loans for engineering. Paid em off quickly. For the right degree nothing wrong with loans, though they aren't optimal...
Same, also though, the price of college is rising quickly enough that I think soon an engineering degree won’t pay enough to justify the loans
Everything wrong with student loan, red tape is worse than CC, auto loan
I Agree With Dave. Also There Are So Many Options, FASFA, Scholarships, Grants, Be A Part-time Student And WORK, Stop 🛑 Going To School Work For A Year Or Two, Save And Then Return. Also Find A Course Or Mentor To Teach You About Money 💰 Management, It's A NECESSARY Life Skill. $tay Blessed 🙏
I don’t know what she’s studying, but if you’re studying engineering or a natural science at a decent school you don’t have time to work 40 hours. I was in class or labs for more than 40 hours a week. Plus homework and you do need to sleep sometimes. I get the impression that like 40 years ago college was a lot easier and you had like 20 hours of class or something. Is that right? People that are off the right age to make these comments all sound like that’s what they’re describing or they just took really easy majors?
Wrooooooooooooong lol My daughter is going to Comunity College
for engineering and works over 20 hours a week. Get over your drama.
She’s lying. There are no engineering courses at community college.
There are, RT, for first year. But then she’s got to transfer, like I did. Unless she’s going to a low quality school, she won’t have time for her three years at State or wherever.
Dave is right. Go get a full time job that pays for tuition. I did it…the co paid 8k per year and now I have my masters degree….FREE!
Budget Budget Budget do a FAFSA Grant. Look for scholarships! Maybe look for a job that will reimburse your tuition so your degree is free. Join ROTC which gives you a free college education and Officers commission. There are possibilities!
Let me see someone save up 100K+ for graduate school with a 20/hour while getting competive grades in a "hard" science (versus a "soft" science), then work during graduate school to mitigate debt with even more advanced classes and survive. In some med schools, you have to sign a contract to NOT Work during school.
Oh get over your drama!!! lol. Call the WAMbulance for yourself
A guy I went to church with worked at Starbucks because they paid for his criminal justice degree.
It's called WORK, work two jobs if you have too! Get a career that pays well! Contrary to popular belief YOU CAN WORK FULL TIME AND GO TO SCHOOL FULL TIME!
Dave is lying, 200k is not putting you back a decade. It puts you back three decades.
True.
25 an hour after 60 hours a week
It’s decent pay! But your gunna get taxed like crazy, trust me
It was unbecoming of Dave to not initially commend the young lady for even having debt on her radar and being concerned about it the possibily of having to take out more. She is built differently than most 20 year olds.
He essentially harped on her like she messing around with debt carelessly in her 30's.
BIGGER SHOVEL
Lol 25 to clean toilets show me the jobs Ramsay. This dude is so out of touch with reality it’s not even funny
Yeah. He thinks that every jobs pays a lot.
Boomer it way out of touch with reality.
Some of you must be in pretty bad shape financially and seriously need employment being so critical on every word someone says on TH-cam.
@@blackworldtraveler3711 because someone is critical of what someone says means they’re unemployed and in bad shape financially?
@@blackworldtraveler3711 What does one of those things have to do with the other? Oh wait it doesn't. 🤡
@@GonzalezEzekiel
Read what I posted.
First video of Ramsay i'll b disliking. Ridiculous nonsense
Why would an employer for a part time manual unskilled labor type time job give a college student with no experience and who will be out of there when school ends a higher hourly rate? Like the previous comment: ridiculous.
Nobody cares.
They question shouldn't be if you should avoid them but how do you leverage them into buying assets and making sure you can get your time's and money's worth. Great video, Ramsey.
All debt is bad debt.
@@charlesblack949 Well, you can look at it that way and I'm not going to argue. It's your perspective. Maybe because you have been burned before by a bank, or many banks. Our point of view is definitely different. We think that there's bad debt and manageable debt. The latter can actually give you some value because you can use it to buy money-making assets. The thing is that 98% of people ignore this because they lack financial education.
@@alphamoneyacademy How is it possible to use debt as leverage? I don't think that's something I would do
Yes, there is good and bad debt! Agree 100%!
Agree!
Getting more income is not the issue its will power and drive that is more of the factors. Mental health and learned helplessness is a huge issue.
If they have the income why would they even call!!! Income is the most important factor!!!
Sounds good except places aren’t actually hiring. You can say get a better paying job but it’s not just that easy
Almost every place of business in my town has help wanted and now hiring signs.
I wonder if Dave is paying the ppl who clean his toilets at the building 25 bucks a hour
Wow, yer only the 9th person to make such a stupid comment. Many people cleaning make more than that and its been proven in the comments time and time again. LOL. Go bring your drama elsewhere
If you mean make $25hr to do side jobs sure but retail jobs are not paying $20-25 to stock shelves or clean.
Not true! Some do start at $20
You want me to call the WAMbulance for you or are you capable of at least that much work without drama?
Suzyormanesque advice. Constructive debt and destructive debt, know the difference, Dave does''nt.
if you want to. make money, work on yourself, update yourself with high income skills and you can increase your income... a fellow creator...
Dave needs to chill out and stop yelling.
I'm not a fan of his, but he's right. Too many parents let the kids do whatever they want and it's bad long term.
😂😂😂
@@front331 Dave is tired of being everyone's father/grandpa they deserved. I know when i found him I felt like he was the man i never met but so badly wanted to when I needed guidance. I know there's Jesus christ but he doesn't live in this century lol
I see their point about no social life in college and 'have your whole life for that' but the social aspect in college is unique and will never happen again, those times will never come back. It is much harder to meet people socially as an adult with work and real world responsibilities. Besides, almost everyone in the real world knows college grades and where you went really don't matter 10 minutes after graduation ( except doctors, lawyers and career students ).
If you have to take one out to finish school, Then so be it.
So out of touch, guy who puts the bread on the shelf is getting paid 30 an hour, companies are paying 25 an hour with tuition reimbursements...
why does everyone NEED to go to college? you can do some decent jobs without a degree. just work your way up slowly.
Uber or the Military will give you free college after 2-3 years of working for them.
I would never work 40 hrs when i went to school your school will suffer
Rice and beans, sell your car, not do anything ever and find a job making 45 an hour
WHAT? Did they just suggest she WORK?
Dave looks puffed up
Just avoid getting into this mess in the first place so you can enjoy living your life.
Not to mention, you can have social life on the weekends or even at work. You don't have to be all-in one direction. Make room. You can't be socially isolated while you are growing in life.
If you are 💯 percent sure its gonna make you money get a loan
Join the military! And let the taxpayer pay for it.
She is almost certainly receiving needs-based financial aid, under the guise of "scholarships", especially if she is one of the two preferred races (yes, higher education is the most racist culture of all). Her apparent allergy to work and frugality will cost her dearly. And because she didn't mention her field of study, I will bet it is not one that earns well.
Hes out of. Touch,
No u are NOT working in college, atleast not like 40 hours a week he is dumb, more like 10 15 hours a week, yes u need to social in school, thats how u practise socialize
And if u are. Broke enough for fafsa thats like 100% covering tuition
Speak for yourself. I earned my 4-year teaching degree working 30+ hrs/wk the entire time, except for the final semester.
Grow a pair
Easy solution. Start a OF account or find a sugar daddy.
I’m getting tired of seeing this old guys face popping out in my recommended
Then do yourself a favour and get away from the computer.
Easy solution click where it says "not interested"..
Sorry this is Bull 🐂💩! The only way to go to undergraduate education is get a student 👨🎓 loan 💸! I had a part time job at Albertson…American dream is dead 💀!
There are billions in unclaimed scholarships. If a person is actual college material, they should easily get scholarships. That's what I did.
@@bite-sizedshorts9635 give me some examples
School should be a full time job. Be careful with the debt but its inevitable for College, especially if you get advanced degrees
And people should have TWO full time jobs.
BAH HA HA HA HA !!!! NOPE. That is your drama and "i want it now" attitude. Dont project that off on everyone else.
Debt is not inevitable. I got scholarships and grants, and I worked every summer to pay for college.
Dave claims to be a christian, but his arrogance in the midst of ignorance makes his pride show off, giving bad testimony to the masses.
“And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God.”
Matthew 19:24
@Delores B exactly. He shouldn’t be judging people, specially when he has no idea of what it’s like being the average working person.
The eye of a needle does not refer to a sewing needle. The cities in Bible times had entrance other than the main, big city gates. A eye was a narrow passage so small a camel could only get through on its knees.
christian or not is all bologny
@@DagnirRen He was broke at one time. He knows full well what that is like.
@@alinatamashevich3354 I’ve heard his story. On paper he was broke, in reality he had mommy and daddy to rely on.
Nothing wrong with that, but the lack of empathy for people’s struggles and reasonings to get loans is due to his lack of actual struggle.
Save up and pay cash for investment real estate. It possible.🙄
Make money from the loans you take. Duh. Good debt/ bad debt...
It's all bad debt.
"If Student Loans Were Honest" On TH-cam. Search it!