I Only Make $34,000 And Struggling To Get Out Of Debt!
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This is more like it. I was sick of seeing videos of young 25-year-olds calling up saying "I earn 200k a year but I'm 50k in debt ." This channel needs more under 50k earning callers.
I agree.
I agree, let's hear more from the under $50K crew. Which is about 40% of working Americans.
@@timothy8142 - No, not even close. According to sources like Wall Street Journal and the Social Security Administration it's more like 65-70% of Americans make less than $50,000. That's most of us.
I agree. I seriously relate to this
@@C0leman That's even worse than the source I saw. In my area, the median income is around $20,000 per year.
Lord I pray she will make it and exceed all her goals In life.
AMEN SIS!
Agreed. I’m not religious but believe it’s easier and better for all of us to encourage others to do better and be better. She needs only to look at her kids and know they deserve the best mom and role model possible and love them enough to give it. We’re not our past or our mistakes. I also hope she finds a way in the future make peace with who her mom is and forgive her for the callers sake. Forgiveness herself and others will get her far further than anger or bitterness. Her mom could be an addict for all we know where came from the same situation and it’s only doing what she knows how to do.
Thank you Jesus
I'm praying for her too!! Poor amber, you can do this!!
Hopefully she will call in 6 months or a year so we can hear about her road to Financial Peace.
I wish they had a "Where are they now" segment for all these debt episodes.
They sort of do it’s the everyday millionaire segment
It's safe to assume that the ones who don't do a "debt free scream" never got out of debt.
@@JohnMikaelian not always. We are debt free ($4,000 in debt) but I never felt our debt was "big enough" to warrant a debt free scream.
yes!
Yes
Girl you can do this. I'm so sick of hearing about parents ruining their kids credit before they even have a chance to ruin it themselves. Shame on them.
It happens more often than people want to admit. There needs to be something in place to protect minors from their parents abusing their credit. It happened to me when I was in college and I couldn't get it taken off. I had to just pay it and wait. The worst part is that the 'family' she has around her can't help her with the kids because they are toxic.
@@DCfan6767 ...I totally agree! i bet she is so sweet that she still has a relationship with that mother! Not me, that would have ended the relationship unless she made the debt good.
@DCfan6767 - I agree. How is this not illegal?
I hope she is reading these comments.... YOU CAN DO THIS! BE THE SUCCESS STORY!!!! WE'RE PULLING FOR YOU AMBER!
I know her and will tell her to look she doesn’t want to because she know people is being mean on here but thank you for your kind words she is already making way she picked up a second job and she has paid off five debts so far
We want her to be WELL. She can do it
I really like Amber. She didn’t laugh once. She’s the real deal!!
love this comment!!
@@enjoy4081 Can you please update us on how she is doing? I hope she is taking advantage of what Dave offered. Was she able to turn in the car? Being a single mom is tough. I'll pray for her.
Dave has changed my life. I came in USA five (5) years ago from west Africa in a French speaking country. I have finished high school at 19 years old, went to college but with all political troubles in the country I have seen my education, my dream becoming a desaster. When I got here was looking for way to go back to school to get an engineering degree, but I didn’t know how because not getting any financial aid and working on a minimum wage job it could not be easy. So after watching some TH-cam videos I have learn more about the electrician job. Then I decided to get into the industry to make some money and then go to school. The good new came up the first day I watched the Dave Ramsey about to pay cash for college. I have applied his advices and the next semester I will be going to finish my third year in ELECTRICAL ENGINEERING. Thanks Dave for your advices.
@Yaya, congratulations. Keep up the good work. Also aim to do a master's degree and an internship to get some experience and increase your chances of making big money. Remember that Jesus Christ loves you very much and deeply cares about you and you need Him.
Love u dave and friend💫👑
Very proud of you!
That’s amazing 👏🏼👏🏼👏🏼
You have done more than some US citizens have or will do because of their entitlement mentality
Our family makes that much or less and we paid off 60000 in 7 years. It is possible. Never give up
I make right around this single with 1 child. And I’ve paid off 17k since January with another 17k to go. She can do it. I do work a side job and looking for more side hustles but lowering my expenses really helped. I don’t even have WiFi in my house now. It gets boring but the sacrifice is worth it.
That’s really commendable!
I get more satisfaction listening to a caller like this who really needs help and isn't afraid to ask for guidance, than some 23 yr old with no student debt, 150k salary, and a house calling to brag and ask what mutual fund to put his savings in.
"My mom financed furniture in my name when I was in highschool" My mom did some ish similar when I was young...Twice. I dont get upset when I hear about some people getting millions from their parents when the turn 18, or their parents paid for college, gifted them money to buy a beautiful home. That's exactly what parents are supposed to do, not put things in their kids name and screwing them over. SMDH
i believe that certain things in life that you go through, good or bad happens for a reason. It maybe something that you don't understand now, but when you look back years later at that particular moment in time, you can start connecting the dots to why it did happen, that lead you to where you are now and it all starts to make sense.
I don't believe parents owe their kids a college education or inheritance. Especially if they don't want to look after their parents as they get older. Like sonmany ditch their parents and they raised them so return the favor.
Saying this, no they shouldn't borrow in your name either! I think the best you can do is get them working early, saving and become self sufficient.
Most children that have parents that can give their children money are smart with their money and the parents are older and not have kids at their teens or their early 20s that’s the problem.
@@cocodakillaIf I decide to have a child. I 100% OWE the best life I can give them. Dont have children if you making sure there life is good when they turn 18 is contingent on them agreeing to helping you when you're old. And I am pretty sure most children who receive help from their parents 100% will indeed help them when they're old.
Mood. Music they don’t tho lol u live in dream land , most wealthy parents kids don’t take care of their elderly parents at least from what I have seen . Taking care doesn’t necessarily mean monetarily, even just being there for them as a companion and spending consistent time with them
You can tell she's had the "I've had it" moment just by her voice.
Yes!!!
She sounds worn down and worn out.
This brought tears to my eyes. I hope she succeeds in building her own life of the kind she deserves. Thank you for helping her in a concrete way.
Donate 30k to her
After watching and listening to Dave's show for a while now I've come to the conclusion that dave doesnt do this for the money he does it because he wants to help people there have been countless times where he gives people his whole program etc for free just because he wants to see them succeed dave is a top notch quality guy in my opinion and we need more people like him in the world
Baby step 7. Very few words to that one but all of them matter: "Live AND give like NO ONE else." We want to be able to help someone like this change their lives without blinking,if they show up in our lives. That's why we're working the steps as hard as we are. People often think wealthy people or people who aspire to wealth are selfish. I don't think that's any more true than to say poor people or people who desire a mediocre income are good people. Dave loves Jesus who says: "It is better to give than to receive." He always talks about how fun it is to be able to change someone's day/week/life and not even worry about how it'll impact his family. It's a non issue. So good!
How easily listeners forget that he was "there" once. He lost it all, filed for bankruptcy, and stressed about providing for himself and his wife and feeding his babies.
I loved this. I really hope these resources can help her get on track. Generational poverty sucks and I’m praying she can break the cycle
I always say it only takes one to break the cycle. Once one person gets a well paying job they bring up everyone around them! My family is living proof of the only takes one idea.
She's the reason they exist.
This is a motivational video
My wife and I are newly debt free! We paid off $16,750 in 7 months making 45k combined. When you handle money the way God intended instead of it handling you he'll bless you in ways you would never think.
Awesome.
Is the 45k combined before or after taxes?
@@NewportSelect that is our gross
@@jacobbritt3835 ok thank you
Did you have car payments as well?
This is why I love Dave. He really cares and I pray to God this woman makes her way out of this
I like this woman. She wants to do this herself and make it. I respect her immensely for that.
Thank you I know this woman and seen her go through a lot but she has picked up a second job already and has paid off 5 debts already we lost touch for a while but I have been keeping up with her
She needs hope and some reassurance. Right now she seems defeated. I would of definitely reported fraud on her mom. She definitely needs someone to guide her that’s not her family.
When my husband and I went to buy a house we found out his father had taken about $10,000 in credit cards and loans in my husbands name. Luckily we convinced him to transfer it all onto loans in his and his wife’s names and got it cleared away for us but we were prepared to file fraud on all of that if we needed to. It’s terrible that parents do this to their kids. A year later we found out a credit card company had sent an new card to my husband’s parents house after the old one expired that was in my husband’s name and he started using they one too 🤦🏼♀️ it’s been a rollercoaster but we’ve set clear boundaries and made sure it was made clear what we would do if it didn’t stop.
What a horrible betrayal to have to deal with. You don't want to get family members into (serious) trouble, but I wonder what kind of arsehole his father is that he would do this - twice! - with not a care about your finances and future.
Took out a loan to buy furniture? smh. Avoid at all cost to finance anything that depreciates in value.
That's everything besides a house
In India if you do something as stupid as her parents then trust me you would be a laughing stock in the entire neighborhood.
I can it can be possible only in America for people to be this cruel/stupid.
@@MichaelP-ke1tm There's business loans and margin loans as well.
My mom made $20,000 for 10 years, and she was able to support four people. She was great at budgeting and saving! Her optimism and hard work eventually pushed her to make $30,000 before retiring.
That was also in the 70’s big difference 😂
God bless you Dave for not only helping her in a very generous way, thank you for treating her with dignity and respect. Best call I've heard on your channel in a long time. Well done Mr. Ramsey.
1. Plan
2. Momentum
3. No eating out
4. Bulk foods
5. Fear Debt
I would like to hear her transformation story a few years from now. Praying for her and her boys!
I remember the days I use to work at a call center making close to minimum. Don’t give up and keep working hard and get that degree. It won’t be easy but so worth it. You and your kids will be so proud of all you are doing and will do. ❤️
How did you increase your income? What did it cost you and how long did it take you? How many years of work in total did it take for you to get out of debt?
Dave always dominates the conversation and his partners sit there like 🤷🏿♂️ 😂
The lack of compassion displayed by some of you is appalling. Yes, there could have been better choices, but it is what it is. She seems to be a responsible, caring mom. That to me says everything about her. She just needs to be surrounded by responsible, knowledgeable people who have her best interests at heart. She can definitely improve her financial situation, but she’ll need to be laser focused and not listen to those negative voices that will tell her it can’t be done.
Amber Harper You just stay focused, keep your eyes on the prize, and do not listen to the naysayers. 99.99% of the time they just want to criticize and derail your efforts. Remember, they don’t mean you any good.
You can do this Amber! It’s a tough road but it’s worth it in the end. This year may be iffy on how much but utilize that Gainshare bonus and pay attention to every opportunity Progressive offers as well. Dave blessed you with a solid start to getting on track so you have solid support. I’m rooting for you!
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>>>
I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income......,
how do I get in touch with this consultant that assist??>>>>
STEPHANIE KOPP MEEKS, that's whom i work with look her
Thanks for these recommendations.....,,,
I love that they are taking notes at the same time 😂
I would love to have been the coach who she is going to be connected with. I hope she gets the help she needs.
God, I hope and pray she’s comes out of this. 🙏🏾✊🏾.
This is why I love Dave Ramsey! You help so many people and your willing to walk through it with them to make sure they succeed. God bless you and your co-workers! Y'all are amazing 🥰
I’m not judging her. I did some dumb financial stuff in my 30’s (I’m 54 now) that I’m took me a long time to get out of.
Mama needs to go to jail for identity theft and fraud. Putting your own daughter into bankruptcy is child abuse.
How refreshing...talk show hosts who respond to the caller with a c t u a l h e l p !
that's why anthony's there... dave is too far removed from being broke-to many years of having more than enough money, he can't relate as well any more. Anthony is closer to the struggling times that he can relate better.
The loan company never should have allowed that loan to be approved in the first place. Absolute shame on them for not verifying the information which would have prevented the caller to have one more thing to worry about.
Mairali Sandoval I mean they are in business to make money. They will try to approve anyone if they can. She shoud have known it was stupid.
Lord, Give her all she needs to get through this time
Wow, Amber you sound so sweet and you are so smart! You are so articulate I know you will go far! Listen to Dave and sometimes we have to cut out the dead wood in our lives that will just cause rot...ie: family members that just feed off of us and keep us down. Pick people to be around that have what you want and do what they do. I know you will be a success and you have two little boys that are watching and you will change their futures too! I bet you are a good Mother and if I knew you I’d volunteer to have those little ones in my life to help you out. Children are such a joy! Ya know, the times they will remember are the ones that cost very little...the picnics, going to the lake or beach, fishing at the pier, a fort that you built out of refrigerator boxes in the living room....God Bless You! You are Special!
I appreciate these guys for speaking to her in a calm voice. Because she sounds so out of it. God bless her 😫❤️
Dude I would be so broke if I was Dave with 200MM in the bank hearing from people like struggling single moms with little kids. I would just want to be like “here’s 50k lets get you a degree, job training, out of that car and you out of this hole.” I’d be broke so fast but it would feel great.
That’s good, but he’s worth 55m not 200
well good thing u arent huh
He’s teaching them to fish. Not giving them a fish.
What the heck kind of a mom frauds her daughter?
Human beings do some crazy stuff
Mine 🤦♀️
@@brittrblackwell
Mine too....
Generational poverty, where it's all about what feels/looks good and never mind the future.
Very common in poor communities. I grew up without much, but later in life I met coworkers and friends who came from absolute destitute homes. It was a recurring theme to hear of their parents putting utilities or lines of credit under their children’s SSN while they were underage. Very sad, selfish behavior, but those in poverty don’t know better, or don’t care.
Thank you for this call. This connected with me more than you’ll ever know! Praying she gets out of debt.
I make $40K a year. I have a mortgage, two car loans, student loan, and go on a once a year vacation using my CC exclusively. I have saved almost $100K in four years.
Gosh, I feel for this lady. She is strong.
Didn't know Anthony's story...Respect Mr O'neal.
Me neither & unfortunately I'm currently reading three books sooo no room for his right now
Same thing I was thinking!!
This is the third tine I hear a call about parents using their kids names in credit. How awful.
I hope she finds her way out of this mess. God bless you
You got this AMBER KEEP FIGHTING AWAY!
Wow! Good for the man on the left. Going from living in his car to being a cohost on the Dave Ramsey show!? Good lord. Amazing.
This is the exact same thing that happened to me. I had bought a home at 23 and was doing well for myself then found out my mom had a credit card in my name, maxed it out and let it go into collections. I was making about 35k per year at the time. They started garnishing my pay check and I had to file bankruptcy b/c I did not want to file fraud charges. I lost my home, car and credit was horrible. Had a 18.5% interest rate on my car. It took me 5 years but I was able to turn it all around. Was able to go back to school and get my bachelors and then master. First generation college grad. I learned a hard lesson, but you can do it Amber. My credit is even better than before the bankruptcy. I'm a in financially better situation all the way around. My salary is more than 2.5 time what I made before. I went to small inexpensive colleges and just worked while going to school so I didn't have to take out more student loans I'm rooting for you and hope to hear how well you are doing a few years from now. The first 2 years were hard but you will see the light at the end of the tunnel if you take Dave's advice and your kids will learn from what you are going through and see you overcome.
Thank you for sharing 🤍
This poor girl was dealt a rotten hand but the great news is that she has plenty of time to turn things around. I’m rooting for her.
My mom opened a credit card for Neiman Marcus in my name without my consent when I was 18 🤦🏻♀️
Thank goodness she only charged $400 before I found out! I paid it off and asked her NEVER to do that again!!
As a father I cannot imagine a parent who stole their high school kid's money with a fraudulent loan. Mom is despicable. So sorry for the woman here.
At :54 they look like synchronized swimmers🤣
Only difference is their legs are under the table. Lol! 😂😂😂
I grabbed my pen and started to write down 14K too!
I hope she turns her life around. I would suggest becoming a tech or EMT in a hospital if she is called to that kind of work. Most hospitals will pay for nursing school. They did for me. 👍🇺🇸👍🇺🇸
Could you explain more? I’m interested in going to nursing school but I don’t want to get into too much in debt.
Or just work for Starbucks and get a free 4 year online degree paid for.
Enlisting should be more of an option... you are basically PAID to attend a school of your choice. 🤷🏾♀️
Patrick McDonald is also paying $2500 a year for any college degree program if you work 20 hours a week. That can get you some real skills at a community college. 👍
Reina Bella McDonald’s might be an option too, see above. They have college programs. It took me 7 years to get my RN license from my first class to practicing as a Registered Nurse. Find your path, pray about it, & grind it out. As Dave says the you 5 to 10 years from now will thank present you for those sacrifices. I would add your future spouse & kids will thank you. My wife does & I thank her for her sacrifice in grad school to get marketable skills. 👍😉
Thank you Dave for what you do. Listening to this call and your response melts my heart. God Bless you and we love you!
Calls like this are what bring me back to Dave Ramsey, time and time again. You are the definition of a Godly man, sir. In all the right ways. Kindness, generosity, grace and helping the Lord to provide second, third, fourth chances and beyond. Thank you for doing what you do.
My situation is kind of similar. Took me almost 5 years to get out of debt no thanks to a pos ex who almost financially ruined me. And I'm also a single mom. I was about $40,000 in debt to start off with. It's VERY difficult but it is doable and I wish her the best. People make mistakes so why act holier than thou? Everyone is always a medical emergency away from disaster NEVER forget that....
She needs a reliable car for her 2 kids. That ford fusion 2013 is good enough. You lose money every time you switch car
Yes, that is why I think Dave said, lets see how we do it, versus the usual get "rid of it."
I'm so thankful Dave and your channel folks here. Thanks for helping the lady and put her back to right path. Thanks for educating the new generation of american that debts are never good to have. Love your job no wonder you have no reason to retire
Man, you can hear the struggle. I hope she can get it together. She's still young. She can get there. ✌🏾
She’s in a tough situation, HOWEVER, she sounds intent on breaking the cycle. She WILL get it done!
Suggesting that she should be getting $80,000 is TOO big a jump.She would be giving up too much if her children's childhood in pursuit of that goal. An extra $1,000 a month would be life changing. Hopefully the financial coaches will direct her to not pay some if those bills right now. A pursuit if $80,000 can happen after the kids are adults. Do you really want her kids to be brought up by family members with grandma's values?
Yeah I was thinking she honestly doesn't have family in the area. Most of us would act like the family her & her boys deserve in care & support. They definitely don't need to be in the PROXIMITY of biological sabotage
This. They need to give her some advice about what to do now without an income increase. Everybody talks about going back to school to make more money, but if you're already broke, that's years of trying to find the money for gas, books, school fees, child care, etc. If you're trying to work at the same time and your job won't accommodate your class times when your classes are not online, going back to school simply isn't feasible.
Ok... I don't live in the USA, so I need to ask. Why is it even possible to get a loan on somebody else's name without them knowing about it?
God bless you Dave for your help and guidance, not only on the financial side but on the espiritual as well.
Story of my life my mom has my credit shot by the time I moved out at 19! I refuse to do that to my kids luckily I was able to educate myself on how to be more financially stable.
Getting a 2nd gig with two kids and single is not going to work....sorry.
It moments like this why I love Dave so much.
Prayers for this lady's success. Bless her.
Start an O.F. or get married. No other choice
The bankruptcy was the worst advice ever. Your mom stole your identity. File a police report, file a report with the credit company for unauthorized use.
This woman is smart. The skill it takes to look at your “normal” life according to your family and friends and realize that it isn’t healthy is honestly so hard to find.
What a great solid blessing Dave; paying for her Financial Peace University!
I'm happy she's getting the help and support she needs
Wow Thank you Dave. You are amazing. I hope she makes it
I really hope everything works out well for her. This call brought tears to my eyes.
Not saying this is her story but when I was in college, I often lived in very average apartments. I had a roommate that spent her FAFSA money on a new flat screen tv and several hundred dollars on a large tattoo but would be behind on rent for several months. The landlord kept giving her extension and when I found out I got out of there ASAP in case he tried to go after me for her missed rent portion. 😒Im not even sure if she graduated. I had another roommate... Who at the time was late 20s early 30s with a whootpy falling apart taurus and was doing something in nonprofit, but when I hung out with her, she showed me all these scrap books with pics of her traveling the world and living large in her early twenties.. people don't know how to delay gratification and spend money as soon as they get it. Unfortunately don't think of the future or how to get to a good sustainable lifestyle.
Thank you so much for sharing 🤍
Choked up... Dave gonna get you right girl ❤️
Dave Ramsey you are an awesome human being! God bless you always 🙏🏼
God is using Dave to change people's future and finances. God has blessed you and you are becoming a blessing! Keep up the great work and advice you guys give at the Dave Ramsey show. GBY brother and thank you!
Her mom makes me sick. I’m so glad she called.
I hope she gains the courage to file charges. I don't care how long it's been!!
How wonderful to watch and hear that as A.mentor, DR is taking charge. God bless you , your family and your whole financial savvy team♥️
This one was hard to listen to. This poor woman. But I believe in her and I can tell she’s definitely “had enough” so hopefully soon we hear her at the halfway mark and doing much better. The way she said “ok” after they both said they’re gonna help her and give her support gives me the impression she’s never really even had help to begin with..
She’ll never go back. You can hear if.
Casey spittin' the truth once again... my man!!!
It*
I recommend she check out the budget girl on TH-cam. She paid off $32,000 on a $23,000 salary I two and a half years. I think those numbers are accurate. I found her to be inspirational to me.
I wish people would comment a year later and tell us how they are now
0:52 And the test starts...NOW!
But on a serious note, she got a raw deal and was given bad advice on top of not taught how to avoid mistakes of her own.
Is the reason they don't teach financial education in grade school because our economy relies on debt?
apply for geico they pay for school and really well i know people who start at 32000 there and make 50000 in a couple of years
Bravo Dave. God bless giving.
I earn 21k pa, in the UK. I had 20k debt after work nonsense, illness and adult child shenanigans. It is possible to get out of it, you just have to realise it will take time, it will be hard, but it's totally doable.
Nice to see a uk guy on here. What sort of work you doing?
"You..you..are why we exist here."
Dave and everyone on the Ramsey team are angels
You’re a good guy Dave
Learn court reporting from home. Big $ and great pay. Fairly low start up cost (under$ 5K)
Something interesting about Americans - well Dave Ramsey's audience I should say. How does one dare to buy a 14k car when they are already in debt and earn that much. I wouldn't buy a car that's priced more than one month of income. Full stop. At 34k a year, I would have to shop for a car under 3K.
Dave is awesome!!
Amber, you can do this. Focus on increasing your skill set and income whether you remain with your partner or not. As your income increases, pay off debt then save. The cycle is generational and with God’s help, you can break the cycle for your two boys. God wants you to prosper, He has a purpose and a plan for your life. You’re young, you’re smart, you’re a mom. Don’t give up. Be selective who you share your story with. Sometimes that means don’t share with your family. It’s not that you don’t love them but you need to be around those who will pray for you , lift you up and yes, those who are prosperous. You got this! 💗 Amber, God says that we are the head and not the tail. We are lenders and not borrowers. Finish school, save your money, buy a home. Be the “first” in your family. Show your boys they can succeed in life, despite of. You can do it! Cant wait to see you on TH-cam doing your debt free scream. I don’t know you but I’ll be rooting for you.
"Wait pizzas and deliver tables"
Situations like this you have to dig DEEP and is a matter of will. So many people become slaves to the bank and stuck at a low paying job. I hate seeing it. Having a nice car or a big house that you don't own isn't freedom.