"You've Got To Stop!"
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- เผยแพร่เมื่อ 2 มิ.ย. 2023
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"Don't try to put out a fire with a blow torch". Love that!
Except that is literally how they put out forest fires sometimes. A controlled burn with blow torches to create a fire break to stop it from moving...Like the saying...it's time to fight fire with fire...
I can understand how during the pandemic, when she couldn’t work and wasn’t bringing any money in she would have gone into debt on credit cards. But I don’t understand how in the middle of all that she decided to buy a new $40K car.
It is her lifestyle -- no self-control, entitled probably.
@@John3.36 USA's car culture severely makes people gullible into thinking that having a car payment is normal. Add to that, car sales people spinning payments to make them seem comfortable at the dealership by giving discounts and "deals". I wouldn't throw a label on this caller as entitled right off the bat. She's also taking the steps now to try and fix her habits, which is always great :)
There were jobs available, but they probably didn't pay what she usually makes doing massages so in her infinite wisdom she decided it was better to make NO money rather than SOME money.
Judge not yest ye be judged. Shame on y'all.
@@trancendental5373 We're allowed to point out someone's poor decisions. There's nothing with saying that someone shouldn't have done something.
I just sold my beater for $850. I bought it 5 years ago for $2700. Cost me close to nothing in maintenance these 5 years and made me around $100K on rideshare platforms
Oh my! I do rideshare and I dismiss comments from people who say it's not profitable.
Learned a lot by listening to your program, during my training, driving, relaxing at home, doing yard work, and even playing. With all the different personalities, I really got to understand my own predicament. What an awesome show. Thank you!!!
No reliable car for $2-$3 thousand. Nope. $5,000-$7,000. Sure. But if someone is driving a lot of miles back and forth to work, I wouldn’t buy a $2,000 beater.
She's in Los Angeles too. Crazy expensive.
I’m a PT (11 years now) and I would strongly encourage this caller to only become a PT if someone covers your college education. My six figure debt was a black hole and only by the grace of God and scorched earth sacrifice for several years was I able to pay it off in seven years. The ROI, the direction health care is headed (reimbursement rates and productivity expectations for therapy and the relatively low ceiling in not only pay but career and opportunity advancement) are all concerns I would consider before heading into the field. I love my current role but if I knew 17 years ago what I know now, I would have made other choices.
Lots and lots of PTs with ridiculous amounts of debt for a good not great income calling into this show for sure
I shadowed many PTs to see if that’s what I wanted to do, they all said the same thing…loved the job but not the debt/income. I became a massage therapist and out earn most PTs
The same thing goes for Pharmacists. The amount that you have to pay for pharmacy school far outweighs the amount of money that you earn as a pharmacist!
Interesting... I went to college from 2010-2013 for athletic training before loosing my passion for it and dropping out. My entire family and everyone I met told me I should be a PT and I told them I didn't want to. They laughed at me. Fast forward 9 years later to graduating with an Associate's degree in Medical Laboratory Technology, making $65k/year, great benefits, significantly less time and money spent on school, and I'm not patient facing! I couldn't be happier and I feel like I hit the job jackpot! Far too few people know about the 2-year degrees that get you a great job.
I don't think she understands that she has to quit school immediately.
That's not a good idea. If she can finish school she will make a lot of money. I don't agree with them on this one.
What’s your definition of ‘a lot of money’? Six years of this will forever put her on the hamster wheel. I envision this scenario - ‘I’m making $90k a year…but paying $5k a month in assorted loans…’
@@Chalk89 Average pay for PT in CA is over 100k. She's not going to pay 5K/month for loans. I just think in this case she's better to just continue school.
@@suen5006 How closely did you listen to her call? She has $20k in CC debt, $30k in loans and a $40k car that she has $30k remaining. Furthermore, she has 25/30% interest on her CCs - per month she's not even making a dent on those payments.
Now, she's going to continue this for six more years while working part-time?
Sounds like six more years of her current situation is a good idea...
@@suen5006You didn't hear her situation. She has $30K left on a car, insane amount of CC debt and she has student loans.
She should not be taking out MORE student loans when she can't even pay the minimums on her CC debt. It's wild that you want her to rack up 6 MORE YEARS of student loan debt. There's no way you want that for her...smh.
She simply can't afford school with her debt. That's just basic math.
The lady offering advice is really good !
Her name is Jade Warshaw.
Jade. And she is the real deal. She and her husband paid off $500,000 in debt!!!
My favorite Ramsey personality!
@@akc783 Wow!! I did not know that
40k for a ford escape? 💀
But it’s “reliable”. Ford=reliable😂😂😂
That’s what they cost these days for the upper trims. She probably went nuts and got hybrid+ awd + touring package. People buying cars like that are the reason Ramsey is never going out of business
I thought the same thing
@@tylersanders2388 she should have gotten the very gay raptor.
@@fabbz94 lol she’s about to end up with a 2002 Ford Taurus for $3k
Jade has been such a great addition to the show. Dave as of late, has been beating dead horses without giving advice. Jade is delivering the reality of the situation AND giving great advice.
I disagree she talks way, way, way, way too much.... More than Dave and it's his show...
@@jamesjazzy8040 Like Nancy Pelosi. GET TO THE POINT!
@@jamesjazzy8040she’s black so she’s naturally more dominant. Dave shoulda understood that. She’s not gonna be submissive. That what comes with it. She’s dominating John on this call.
@@wewhoareabouttodiesaluteyo9303 how did Jade not get to the point? She explained herself very well and helped the caller to understand that becoming a physical therapist is great, but she needs to make changes to her plan and why she needs to make those changes.
@InTheBooks right, because her skin color inherently determines her personality 🙄
Im glad she's realizing the errors of her ways before it got much worse.
She's at the point where reality has smacked her so hard it snapped her out of it.
My massage therapist solves more problems than the physical therapists I’ve been to. She is so skilled, she was hired by a university medical office specializing in acupuncture, to do manual therapy. Then she went out on her own and opened a massage office that is calm and soothing while being immaculate and professional. In addition to the reception desk, treatment rooms, office, linen room, and break room, there is a large open space and a bin of yoga mats for classes. She and the other massage therapists, acupuncturists, and corrective exercise person she has there are helping people restore their health. She does not allow tipping, as they are a health services provider, not a personal services provider.
Physical therapy, along with maybe chiropractors is probably the worst ROI for education. Years and years of school and $150k-$250k of debt only to earn $80k salaries.
Depends on setting I know some that make near double that actually.
They make their money working side PT hustles doing home health, weekend hospital work. It can’t just be a 40 hr. job or there’s no money in it. One of the reasons I didn’t pursue it.
$40k for a Ford Escape!?!?
That was my first thought! Insane!
Negative equity possibly
This call is a mess
How much she pauses, stutters, says um/ahh/uh…. She knows the answers but doesn’t want to say.
@@VenerableBede2510 These people can't support themselves with the poor choices they make. They can't even be honest about reality. How do you help people who don't know the value of a dollar?
@@VenerableBede2510 That's cos you realize how stupid your mistakes were when you speak them out loud lol.
Why not become a physical therapy assistant first and see how that works out before becoming a PT and get rid of that car. No one in debt, making a small income needs a brand new $40,000 vehicle !
Good luck trying to find a good used car at a reasonable price right now.
Yep. Especially Japanese cars.
That bad right now? Damn
$40k on an Escape? Oh boy. I bought a 2006 Ford Focus for $275 the other day. Needs some work but it’ll be a nice car for less than $2k once it’s sorted. New car prices are bananas. This market is unsustainable.
Especially for around $2,000 !!! That’s a joke. My old truck that’s a 2001 that doesn’t run and has 300,000 miles on it is worth $2,000 ! 😆
You can easily find a $10k used car that's reliable and low miles.
Friend of mine studied to be a Physical Therapist it is a doctorate program 5 years and during that time so intense they could not hold down even a part time job
The acceptance rate to get into a doctorate program for physical therapy is quite low.
The only reason she decided to switch careers is because of the pandemic. But that’s not an issue now. If she went back to massage therapy full time, no school, how much could she make?
Gotta give some happy endings to put a dent in that debt.
@@MichaelCorleone562 thats what i thought i heard of getting measages at a spa but she using her car for it sounds fishy
@@jasonleatherwood2172 No it’s not. Some people have massage therapists come to their home with a portable table. Some clients buy their own table. She also told us she’s in physical therapy school. That’s more indicia she’s legit.
In case this lady reads the comments, PT is not what it used to be.
Many of the programs are now doctorates charging tons of money for the program. The salary definitely has not gone up the way other professions have.
Entry level salary for many winds up being 60 to 70,000. Median salary 90k so half below this. Most above it are experienced etc
Meanwhile you've paid as much as people paid for CRNA, PA titles making well well into 6 figures.
It's okay if you want to be a PT but do not do it with that. It is not worth it to be a physical therapist if you're going to take 100k plus loans
You are absolutely right. Doctorate degree for PT with small income potential unless she plans on opening up her own PT practice. Good luck to her
@@xiomaragomez6649 well that's the problem because if you want to be a high level physical therapist you got to open your own place but that's super expensive and requires debt.
It's just not a field I would ever advise somebody to go into with debt. If you can do it for cash that's fine but you should never go into debt for something that has as little return for the average person is physical therapy.
The programs will tell people Oh you're going to make $100,000 coming out. Bullshit.
Wife got her DPT online around 2012 cost wasn't bad but she already had her bachelor's. She works in home care setting it pays 6 figures. But I'd agree don't get into high debt for a DPT.
True. The only people who should become a physical therapist, either have wealthy families, and are very bright or very bright and get scholarships.
Yep PT is almost worse as a chiropractor. They don’t pay enough to be worth the cost of school.
You’re better off just being a MD, at least that pays
Champagne taste on a beer budget 😅 She’s “drowning in debt “and bought a $40,000 car. Hope she can get out of this mess.
She'll find some dude to bail her out
She didn’t just buy that car. I think you misunderstood the order of the story. She bought that car in 2020 and that car is a large part of the reason for her debt spiral over the last 3 years.
@@fauxbro1983 yep. That’s what all the “strong, independent women” secretly think and totally rely on.
I doubt it...I see that she's not a good decision maker.
Today I learned a ford escape is considered "champagne taste".
$40,000 for a FORD ESCAPE.... oh god
40k for an escape? We bought a brand new one with all the bells and whistles for 30k back in 2013. The inflation is getting out if hand
40k is normal now for average cars
You can't just magically make more money, you have to cut expenses drastically. The more money you make the money you'll spend. She needs to have her spending under control.
Great video!!
The pandemic made her do this. NOT!
It seems like Doordash, Ubereats and Instacart and servers/waiter jobs didnt exist.
Yeah she couldn't do the ONE thing she normally does so she had NO CHOICE but to do NOTHING instead and rack up debt. Talk about a scarcity mindset.
Don’t be a DPT. GO BE A PTA!!! It’s less time and much cheaper.
I’m a DPT. The right answer is be neither. Or be a DPT with little to no debt coming out of school. The world of PTA is declining and insurance is reimbursing less and less for PTA at a faster rate than DPTs.
Be a RN, $100K easily.
@@sterndesert WOW. VERY INTERESTING COMMENT!!
@@tdgdbs1 everyone isn't cut out to be an RN. You have to have the stomach and patience for it. A RN career is only paying 100,000 if you work lots of overtime or live in high COL area. There other well paying allied health fields out there.
@@sterndesert can you explain the reimbursement thing? What does that have to do with the pay therapists get? I was a PT aide and I never asked.
I'm kinda in the same boat. I bought a car 2019 car in 2020 now I am making the minimum car note payment so I am down less than $15k atm in 2021 I bought a house. So those are my only two debts. I've been studying for IT since 2016 however I have been going the cheaper routes since. I studied for certifications. In 2018 I went to Western Governors University for a few months before I dropped out. I stilled studied for IT certs and then in 2020 I went to a community college my union paid for to get my associates in IT, so this was basically free. But since now that I have a house and car note I've laid off on going back to school and still continued to study for my IT certs and plan to transfer them to either my local community college for Cloud technology or go back to WGU. While paying off my car note and home mortgage this is how I plan to keep myself financially stabled and on track. I am not taking on any more loans. I can barely live off paying my car note and home mortgage and still have a wonderful life.
Expenses and debt are like an aging wound. Expenses will always be there to harm you, just like our genetics. Debt is like stabbing yourself, harming you faster. If you can keep the debt away, you are still naturally harming yourself financially, but the wound is lessened. That is how I think of it.
Jade was on time with that advice! This was great
In 2004 I traded my 2002 Escape for a Toyota Camry. That Camry is still running. The Escape was scrapped less than 8 years later (friend bought it off a lot and realized later it was mine lol).
$40K for a Ford Escape and still owns $30K; she is screwed.
10k in 3 yrs is the wildest part on top of credit cards wit 25-30% interest 😮💨😮💨.
Probably worth 16k now. She sure is screwed.
Selling it for what she can "get for it" and taking out a loan to make up the deficit is even stupider advice. Especially when she goes out and buys one of these "beater cars" that breaks down every other week.
The problem is what kind of life is it to drive a used Honda Civic all day? That is not a proper way to live. She wanted to be a somebody, not a nobody. And she got a car that showed that. I completely understand why she did what she did.
3 years into this loan and about 25% paid off? How does that work? Did she get a 12 year loan? Lastly, $40K for an Escape? Wow!
piece of advice never borrow money to fund your life just find another job
Sad that something this obvious needs to be said but it actually does cos she didn't get the memo and it's also crazy that not one of her friends or family members suggested to just get a regular job just to keep food on the table, for some reason she thinks that her only options are to do massages or do no job and live off of debt, Lord help us.
"I couldn't do the one thing I have training in so I had no choice but to just sit at home during the entirety of covid and live off of credit cards and loans cos just working a regular job to keep food on the table was completely out of the question cos massages are the one and only job I can do."
What a smart person...............
Also, PTAs are a two year degree, can pay really well depending on experience and honestly there are PTA to PT bridge programs that just require a bachelors degree in any field, its the clinical experience that matters.
This is actually the better way to go honestly and especially if you are older. I believe they can make $50-70k. Pts make higher but they are coming out with 100k+ student loans (I understand different circumstances in each situation).
I thought about it when I was younger but I just stuck with my teaching degree as the salary compared to the return didn’t make sense. Plus I know the field is hard on the body long term. Just my two cents.
Physicial therapy requires a masters at minimum with a doctorate preferred!!
@@bettysmith4527 you realize they fazed the masters programs out like 10 years ago and now all the programs offer the DPT. That is the minimum degree to become a PT. It’s a three year program.
Most PT schools accept any bachelors degree to the program as long as you have the prerequisite classes also. It might be better for her to just finish her Psychology degree since she already has her associates. PT schools accept kines, bio, neuro, dance, and any other bachelor’s. At least the ones in Texas.
I have a 2020 ford escape, paid like 28k for it new. I don't understand why it costed her 40
She should have stuck the middle finger at the government, and stayed working.
Our choices create our habits
Our habits build our identity
Our identity determines our destiny
I had to screen shot that!
Thank you for the great advice to her. I just shared this video to my son who is now in PT school. His undergrad or college degree he did not have any loan because my wife and I saved for his college education including my other son who just graduated college too without student loan.
What an amazing blessing for your family. You set those young men up for total success!
In addition to killing off the car loan payments and buying a cheaper car, the insurance on a cheaper car is less.
She just got her bachelors to apply to PT school but said she wouldn’t be done for another 6 years?? When PT school usually last 3 years
PT not a great choice. Demand is high for rad techs, RTs, rns. Way shorter school to work time.
How about phlebotomist?
Better pay/comparable pay in the fields you mentioned. Community college tuition for two years (all areas of the county) less than 20k. PT tuition just for the DPT degree: 80-150k.
@@genxx2724 The pay is like minimum wage for phlebotomists, you could make the same working in retail or close to it!
@@bettysmith4527 Thanks.
40k for a FORD(Found On the Road Dead) ..... You better ESCAPE out of that loan !!!!!
She’s trying too many things at once! That never works.
Great advice here. Listen to it caller.
So she wasn’t able to work during the pandemic but decided to buy a new car?????
It’s extremely difficult to get into PT school as it’s very competitive. Not only that, after you complete the degree it’s a challenge to find a job. Maybe Nursing will work better!!
Good on that financial advisor. As an accountant myself, yeah there are other ways to build wealth through using debt but most people have no financial literacy and that's okay! Businesses shouldn't take advantage of them and stop leveraging assets that make ZERO money.
Dawn also needs to seriously consider PTA program vs Doctor of PT. Roughly 15% the cost of the Doctorate program and can easily make $90-110k working HomeHealthcare with an ASSOCIATES DEGREE in LA county
It is hard to believe that people like this actually exist.
Yup. "If I can't do massages I have no other choice but to sit on my hands for 2 years and live off of debt" Lord help us.
Jade please stop and ask people “what’s your question” instead of just jumping to advice that might not even have been what they were calling about
most new cars are ugly unless they look like the big cars from the 1970s and 1980s and from what i can see there isnt any new cars that look like those old cars. most new cars are ugly and not worth going into debt for.
If she takes out six year worth of student loans on top of everything she will never get out of debt and have to work until the day she dies.
Also it shouldn’t take 6 years. Colleges are the greediest businesses in this country.
@@TheRealEdStoner All businesses in America are extremely greedy
That may be so but we allow colleges and universities to get away with it. It’s the Anything for education idiots that colleges take advantage of.
Pro tip cook your biscuits covered on a small wire rack to keep from burning. 👍
How do you call the show asking if you should sell your car, but you don't know how much you would sell it for🤔
I could see how an average person who has no experience with this would want to decide whether or not to sell it as step one, and then step two is trying to get as much as you can for it.
These buffons should be able to look it up in a minute. Ballpark trade in.
These people exist because I need travel points on my capital one card LOL
She’s already making an income on par with a PT, they’re one of the, if not the most underpaid forms of doctors. Why do it unless it’s just a dream job
Talk about the lawsuit!
Nobody cares about that.
Sooo, instead of finding herself a new job during the pandemic, she just took out loans?! 🤦♀
Debt for school is fine depending on where you go for the same degree and what field you choose. I’ll never regret 20k debt for a nursing degree
Education debt is the most dangerous debt to carry. There's no way out of it besides paying it or very slim forgiveness programs for public good and public service fields in which you have to hold the loans for 20 years making payments and then they forgive them
@@John-du2mq agreed, so people should just pay them off, it’s a good investment depending on what degree a person gets and if they hit hardship, they can file for deferment for a period of time.
$40 grand for a Ford escape..... Unbelievable
Dang! She might need to find her a Sugar Daddy in order to get the mess she's made cleaned up.
Best of luck to her.
Sugar daddies don’t like paying off debt 😅
Really? Sheese
That's probably what I would do! Much easier! 😆
Is she a 10 to get a sugar daddy. She needs to get pregnant by some rich guy and correct child support, a lot girls do that nowadays.
She took out loans instead of getting a job? Wild.
Whew Hoo, I drive a LIME GREEN 2011 Ford Escape. Hubby calls it the "phlegm mobile" (so do our friends), but I LOVE THAT CAR and I owe NOTHING on it!!!!!! He drives a 20??? GMC Tacoma, AGAIN....PAID CASH. Just as important: Keep up all maintenance on those vehicles.
What a freaking train wreck… wow
Oh man.. well hopefully she can sell the car for a decent chunk, get a little bit of a cheaper car, and finish schooling to get on her game
She needs a car that is A LOT cheaper... beater car
She’s in trouble. Living in Cali is expensive too.
I think many of the callers of this show have a manageable situation and a clear path out. She doesn’t seem to in my opinion. She has many tens of thousands and years of school in front of her. She is living in LA making maybe $60k. I didn’t hear anything about a man that she is/will be married to. She is upside down $10k on a loan for a ford. $50,000 in debt otherwise. Something in her life plans is going to need to majorly change or this isn’t going away.
What kind of a man would get in a messy situation like that?
@@front331 All American men and women for that matter, end up paying the price when she defaults. Dummies ruin it for everyone. The healthy pay for the unhealthy. The safe drivers pay for the dangerous drivers. The disciplined, liquid tax-payers bail out the borrowers. The banks loan money they haven't yet extorted from the tax-payers.
@@front331 Apparently they do that all the time (men getting in those types of situations I meant).
@@front331 Men that have made dumb decisions call in all the time, no need to be all "but what about the men" about it just cos this particular dumb person happens to be a woman, there's enough stupidity to go around for BOTH genders.
She won't stop
I have a question. I'm going into the Dentristy industry, and I am wondering if it is worth getting loans worth $20,000 because the lady said it's normal to live like that and I was hesitant to getting them becuase after that you will need to start paying back interest , inside my heart I was like she is totally wrong the reason people like that say becuase they have never found a Financial Advisor like Dave Ramsey and to know that your entire life you should be In Debt
I mean listen to his debt free screams, most of those people have high incomes from their degrees that they wouldn't have been able to have without the student loans.
How sort she probably won’t make much more as a PT! Girl get a two year nursing degree for 20k and call it a day!
Wasted time and money on that associates in pysch and is back to square one at community college for another associates degree.
What is an associates in psych? There’s Associate of Arts and Associate of Science. That’s it. That’s two years of general ed, after which you can transfer to a university and take the upper-division classes in your chosen major.
I didn't know they sold for that high. I know the Rav-4 does.
She's still doing the madness. Girl go to work
They should have given her free Financial Peace University access so she could really get this down. She seemed willing to follow the program.
Dave doesn't empower his low level employees for such
It wasn’t illegal to work during the pandemic.
3 years only paid off 10k for a 40k car??? Wtf she signed up for 12 years loan for a car???
Well shes a massage therapist thats great, if shes willing to provide some special service involving being horizontally recline, she can easily make 6- 12k cash extra every month
3000-5000 a month sounds like the same range as my full time gig work. Lately it is trending toward the 3000 end so I am meeting with a CDL instructor to take classes in July. Those jobs (the local type / home at night) are 80K plus for the area I’m looking to live and work
Yeah, only problem with that is you usually have to own your own rig or you basically rent yours from the company you work for. So that 80k goes downhill real fast
80k after ur expenses plus tax leaves you with about 20-25k end of year (assuming u saved it)
So the local jobs don’t provide their employees trucks !?
The advice here is good, but not thought out fully. 1. She likely doesn't have the cash to pay for that beater car. That means that she has to take more debt to do that. Yes it is better, but far less than ideal. 2. If she has such little income, getting a gap loan to cover the difference is going to be difficult. 3. He might not care where his physical therapist went to school. You know who does, the first physical therapy clinic that hires her.
Oh, dear. We know how Ramsey feels about buying new cars.
To buy the nicest one you can find and pay in cash of course.
About debt*
New cars aren’t the issue. New cars people can’t afford are the issue. This woman’s issues are far beyond just a car she can’t afford.
Buying a new car is one of the worst decisions one can make if one wants to stay on financial track.
The used car market is still worse than the new car market.
She can do this. Pause school, work like crazy pay off everything in just 2-3yrs, get rid of the car, get a room mate.
Roommates are a danger. You don't just get the roommate, you get her, her boyfriend, her sister, her sister's boyfriend, all the boyfriends friends, whatever nameless sleazy hookups she drags home from the bars. ...you have no control over who is in your kitchen or your bathroom when you wake up, or who has keys to your place. A cheap secondhand van that you can live in till you're done school and ready to become a real person makes more sense.
What is actually wrong with them? Do they not hear "West Los Angeles College" and realize it is a community college, as inexpensive as she's likely to be able to get? There are just not an infinite number of free college opportunities in our society, especially for returning students who aren't in the military.
But she's either not talking to the community college advisor, or she's getting *criminally* bad advice. There should never be a reason to do TWO Associate's degrees.
The problem is debt, and it's not the student loans that are eating her, it's the car and the credit card debt. If she were starting without debt, she could cash flow any *limited* number of courses she might need to take before enrolling in an appropriate 4 year institution with a good physical therapy program placement rate.
What is wrong with Delony? How does someone get TWO PhDs and not understand how higher education works?? Is the debt free koolaid really so intoxicating that no one can think through how to get her income up through acquiring skills rather than just telling her to work harder?
She needs to stop school and get out of debt. But then what? She's still going to have a massage therapist's income in LA. That math won't math, and it's irrelevant how hard she works, unless she goes into adult services. SHE knows that, which is why being able to be a physical therapist who can actually take insurance payments can make the income make sense. But they can't help her get there, or identify another path to a family sustaining wage for her. So useless.
Honestly, somewhere along the line, someone needs something handed to them. If she was handed a car by her parents, she could at least take classes and work. If she could work, she could pay off the classes etc.
Pretty smart to apply for loans if you're not working or make enough money to pay back...!...jummm...!
Finished the steps but I don't feel ritch
Sorry Ramsey show but you can't buy a beater for $2000 😂. Salvage title cars start at 10k and need $4k worth of work after you buy it! 15k for 374 a month over 48 months= cost of beater today with over 150k miles. Car market is messed up hence people are buying new.
Have you actually looked? Plenty in Tampa.
3 YEARS OF DEPRECIATION OFF OF A 40K CAR PUTS IT AT UNDER 25K.
BORROWING MORE WHEN SHE WAS ALREADY WAY UNDERWATER IS CRAZY,
SO SHE NEEDS TO WORK MORE AND SPEND LESS.
PT SCHOOL IS VERY EXPENSIVE AND NOT EASY TO GET INTO.
I need a link to Jade's OF.
West los angelez college is a community college which is free in ca for her income level ! She is probably using students loans for living. She shouldn't stop school just work more
I bought a used 2017 Ford Escape Titanium in 2019. It had 32K miles on it. I paid $25K cash for it. It was from a corporate lease. It had all the bells and whistles and leather seats. I figured it was a little on the higher side than I should have paid, but I just liked it and made the purchase. I originally went to the dealership to check out the sizes of their line up of cars. I can't believe she paid $ 40K for an Escape in 2020. Yikes! Happy to say that it's been a great car. Buy used people! You'll be happy you did.
That was in 2019? We never recovered from the chip shortage as a used car vehicle that is 2 years old is 90% the cost of new now. 40k is normal plus having to pay over MSRP for decent cars in 2023. A 2021 used escape with 30k miles is 35k so what's the point?
How do you buy a 2024 car during the pandemic ? Covid was in 2020.
✝️🙏
2:40 I wasn't allowed to work legally so I bought a brand new forty thousand dollar vehicle.
So you can get credit without a job?
Student loans? Hell yeah you can get tons of them without a job or assets. Can’t default on them either. It should be criminal it’s evil.
She sounds like a newbie to the show.
How can she not know to sell her car and buy lots of rice and beans?
Where was the advice you’re paid to give? “Make more money!” Oh ok cool thank you guys
What happened to her unemployment? Weren't these people raking in the dough on unemployment during the pandemic?
Depends on the state.
Yeah my deadbeat SIL used that program to death 😡…lied lied lied to get that money she was not entitled too.
It sounds like she wasn’t an employee.
@@kaydublin5164 Now you know how married men feel....YAY!
Maybe call back and ask to enrol on financial peace University That way they can hold your hand through a solid plan. Good luck!