I'm $145,000 in Debt and Only Make $28,000
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- เผยแพร่เมื่อ 28 ก.ย. 2024
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The more you stay at home, dwell on thoughts, isolate yourself the more anxiety you get, at least that was the case for me.
My experience, as well. I have been diagnosed with an anxiety disorder, so it isn't entirely under my control. However, there are things that make it worse, and staying at home and not doing anything is one of those things.
i agree. i have a few anxiety disorder (gad, ocd, panic disorder) and the ONLY thing that helps is keeping myself busy. the hard part is convincing yourself to do that. anxiety overrules logic.
That's what my counselor tells me.
@@nazarenecaffeine no one cares about your anxiety disorder, I’ve seen you blabbing about it in other comments
@@michaeltren4910 My point was simply to give the perspective that I am coming from. I can relate with the caller because of this. If you dont care about that, then you dont have to listen to me. The fact is that many who have not experienced this type of disorder often misunderstand it.
That was brutal. She doesn’t want to work Dave. You know what else brings anxiety? Being in poverty and 100K debt.
It’s her fault. I dont feel bad.
@@dcg590 100% She ain't got anxiety, she's lazy.
Can't work because of anxiety, dropped out her degree because it was hard, blah blah blah 😂
@@deezelfairybingo, hit the nail on the head
@@deezelfairyfull of excuses sorry she’s just lazy. I get panic attacks sometimes at work I still show up 😅
Yep. People use the anxiety and mental health stuff as excuses way too much.
Imagine having $100k in student loans but no degrees to show for it
@@LemonDropYum What school follows that made up rule? All college-level courses are transferable...
It would be frightening
@@LemonDropYum yup. That’s literally they rule at all Universities. In order to get a degree at a University you typically MUST have at MINIMUM 45 credits from the University you want the degree from. That’s why generally you can only take Gen Eds at a CC.
The thought gives me anxiety...
LoL 😅 I know, right...
Anxiety is real. Laziness is real as well. They can both co-exist at once too.
Agree I bet if she gets back to the workplace her anxiety will go away as soon as they start paying off their debt, like as soon as they pay 2.000 of every year it will feel better
Agreed 💯, there are online jobs that does not require ongoing contact. I’m not accepting what she’s selling 🫤
Yeah. Not every job requires u to be around tons of people, so I'm leaning more toward laziness
Anxiety only in the first wirld westenr nation!
Never see ppl woth anxiety in 3rd world or poor countries! They get up and work to survive!
She's a lazy ass 1000%. Get off her ass and go make some 💰 for the family ffs.
Respect to Dave for treating this lady with the utmost respect. I understand anxiety, but to be in your 40's and seeing your family struggle with money and not work? I hope she's in a better place now.
She won’t be, these people are perpetual train wrecks. Your tax dollars will continue to support them.
I love Dave's adaptability with vulnerable callers - he is firm, fair and tactful.
He's a simp if it was a male caller saying the same thing I bet it would be different
@@milesmeralis5334 it would be different. He’s a man, not a simp. Old ways women can actually stay home, but times have changed. So he’s lenient on women. Men are the food bringers.
Daniel, as you well know, Black people know all about these struggles due to grotesque discrimination in hiring.
He was extremely kind to her. Extremely sympathetic and understanding. What a man. Icing on the cake was the Ramsey plus for a year for free.
@@epr1 he should be knighted.what a man
My anxiety and depression was at it's worst when I was unemployed. She needs to get back out there and DO something. Her mentally health will improve
that is a double edged sword..She needs help to get rid of her anxity...and then she can work..
Mine was at my worst when I wasn't out in the world doing things either
Oh, you're a therapist now? I've had severe depression and anxiety while being "out there", being debt free and making really good money. How do you explain that?
@@B20C0 she literally said "My anxiety came after I stopped working"
Yes, I totally agree.
Honestly can we appreciate how Dave handled this call? Not raising his voice or calling them out or anything, but was looking for true understanding to give sound advice and sounded like he felt for them
Yeah, I'm glad he was gentle with her. Although I think she needs to get out and get a job, you can tell that she is not making up her anxiety. She really has it. She just needs to do something to help pay this debt off and then her anxiety will at least lesson without all the worries of the debt.
@@vickieclark5931 its no way you can tell if its legit or shes making it up not but there is nothing wrong with giving her the benefit of the doubt
Treating people with respect shouldn't be appreciated. It's the bare minimum
@@aightm8 Amen
I almost threw my phone when she said no one has degrees after 100k in student loan debt. 😳 I hope they were able to get more income
I closed the iPad lol 😐😳😳…… 🤔😂😂😂😂😂
How they’re struggling
Right? I have two and only spent 30k
@@icestationzebraassociates2460 so? You're better than they are, right?
@@kbanghart Did I say that? I don't think so. I'm pretty sure I only said I have less debt. Sounds like you're projecting a bit.
There are so many people stuck at the bottom rung of the socioeconomic scale who don't have motivation because they just don't know what to do or how to lift themselves up. The emotional toll that poverty takes is defeating them. That's one reason Dave is so great - he counsels people to get up and just do SOMETHING and that gets momentum going.
Spot on take
Lol can’t make these calls up.. cant work because of anxiety. Work gives us anxiety. I’d rather get anxiety and get paid for it.
I get anxiety buying things. I hate to buy things. So they don't have any anxiety buying things see cc debt... I bets she counts shopping as therapy.
Sucks for her rather be in poverty because of anxiety
I am on the fence on this. Anxiety is very real. For some people, they literally cannot move because their body is responding as if they’re in the middle of a mass shooting, even though nothing is going on.
However if your anxiety is so bad that you can’t work, you should be able to collect disability. If it’s not, then I’d suggest more therapy and medication. I have tons of family with anxiety, some are on a daily pill and some take them as needed. All respond very well to the meds.
Sadly your right😔
👏💯
Dave is logical, gentle and kind. For someone with Dave's wealth he is very empathetic whilst being clear. 'To be unclear is to be unkind"
Good points
My anxiety is the reason I AVOID debt. I would never sleep again if I had debt
I struggled making 26k a year as a single person. I can't imagine having a wife and kid with all that debt.
How? Costco pays more starting
@@Dan16673 that was 12 years ago. and costco was very hard to get into back then. probably still is now.
dave is good at telling who needs shouting at, and who needs to be calmly informed that they need to change what they are doing immediately.
People like this take little to no responsibility for their situation.
yep. and our wonderful govt is telling them its ok. all because of inequality
I guarantee you that they’re living rent free with this moratorium too. Hope they can make it out.
Excalty. What was her point of calling.
No , because she obviously realizes that the family has problems , that is why she made the call .
Facts smh
Just adding a part time job changes their life. Go from 28 to 40k would be huge.
It's not the pay is low. It's the greedy Goverment sticking their hands out.
Dude is already working. You saying he needs a second job?
@@darinherrick9224 One of them can find something part time. This would help greatly, and would be better for her anxiety in the long run.
Only if they actually paid down debt.
@A M it is a massive change you cannot convince me otherwise. When i was at 40k a year and quit one job to go back to 27k a year it was absolutely life changing.
I love watching this guy work a problem. Just the way he asks questions and moves from one point to another. Really amazing to watch.
I honestly believe students loans is a huge reason for this generations anxiety and depression issues
So? They signed. They weren’t forced, pay. it back.
@@dcg590at 17 & 18 years old… you haven’t made a bad mistake? You never heard of how they were predatory & incurred more interest than borrowed
@@dcg590 Really, you think at 18 -25 when you make these decisions how it will affect your life? These banks and higher institutions profit off of naive individuals.
Especially when the college doesn't live up to the hype!
@@dcg590 when you’re 18 and never had parents teach you about financial responsibility to say “they weren’t forced” is just a false statement. Some of us feel like we were influenced and ignorant and did not know the impact it would have on us. Have a little more empathy for some people. Thank God you had someone who kept you from making a stupid mistake.
staying home all the time is probably the worst possible thing for anxiety
Getting the financial stress out of your life can’t hurt your anxiety.
Exactly man. I’d have crippling anxiety in that situation too
isolating yourself away from people will hurt your anxiety
Do you comment on every finance related video on youtube?
"Mkay, who's not working? Why?" Lol gotta love dave
Straight to the point and gathering facts that people don’t want to hear, good stuff
I love that Dave changed tactics on a dime here. He's usually Mr gruff State the facts. With this lady he dropped his tone way down, did not come across as overbearing, and actually engaged in a conversation that was helpful for this gal. That was gentlemanly.
Wow how thoughtful. I had anxiety and was dealing with panic attacks for a while. He handled this with a lot of grace.
40+ years old, $100k+ in debt and no job. Margie can't afford not have an income. I get the feeling the her husband isn't qualified for much either if being lot porter is considered a step up from his previous job.
I wonder what she majored in? I hope it wasnt gender studies bc that is not in demand.
@@jairoherrera4040 I thought she said accounting.
@@Sophie-ge7ti I might have missed it but she needs to find a better pay
@@jairoherrera4040 that's the problem she's has no pay. No job. Weren't you listening
@@alextogo8367 I have a hearing disability so quit being rude here.
Gotta call bs on the anxiety thing. Not that she doesn’t have it; a lot of people do. I was diagnosed with PTSD after my year long trip to Iraq (2003-2004.) I have insomnia, anxiety, nightmares, etc. I still go to work everyday. Some days it’s really hard. But I and millions of other people do it. This lady needs a job. Fast food, janitorial, drive for Uber, Uber eats, mechanical Turk, etc. Lots of options.
Thank you for your service and sacrifice!
Yes. It's not that mental health issues aren't a serious problem. But society can't be patting people on the head and absolving them of any responsibility because of these issues. It's like people forget that the world doesn't owe us anything. I live in Boston. It's probably a global top 25 city, and would probably be the 5th most important economic hub in the USA, behind NYC, SF, LA, and Chicago. So, big magnet city for immigrants. Strangely, I don't encounter people from Africa, South Asia, East Asia, Eastern Europe, Latin America, etc, with anxiety issues too crippling to go work. Seems pretty unique to people born here.
My older brother is legally blind yet he still works full time.
This lady needs to stop with her B's excuse and go out and get a job.
Doing nothing, taking no actions is what's causing her "anxiety".
@@telegramatblain_2479
Get the F outta here you scammer.
@@user56gghtf The key thing I keep going back to is the fact that she said her anxiety started after she stopped working. Granted I don’t know her but my gut feeling is she’s making excuses. I know people who have been through nightmare situations and still find legal ways to earn a living. But it is entirely possible I’m being too judgmental and pessimistic.
I have suffered awful, debilitating anxiety since I was 15. I’m 42 now. I wouldn’t wish this on my worst enemy. I’ve been let go from jobs in the past because of it. I see a therapist, and do my best. It’s always there, but I get periods where it comes on so bad for 3 or 4 months where I just can’t function. I work, but everyone at work notices it. I hate it. I always try to save money just incase I lose my job again from it. It was probably 10 years ago since I lost my job because of it and ever since then I’m really paranoid of losing another one. Anxiety is real people. And it’s a living hell. My heart goes out to this woman.
His face when she said “my anxiety came after I stopped working” like she quit because she is lazy jaaa
Agree and she doesn’t care the stress she is causing her husband
This just sounds like neither of them are trying at all..
I actually started getting anxiety due to the stress of not being a provider in my home. Yes I work and help by being a stay at home mom. But there’s something about not bringing in a paycheck & going from independent to dependent really triggered my anxiety.
I work a lot and have a lot of anxiety around my work, but my anxiety was highest when I was jobless.
Been depressed dealing with military just to pay off debt. Without a debt, my job just feels like fun with the occasional laugh at stress. Debt free is the way to go and I have Dave Ramsey and team to thank for the course of my life.
Debt-free is the way to go and try to stay there once you reach it.
Debt is a lot like a high school relationship, it could work out, but for most it probably won't
So true
THE BLACK VITO!!! HEY MAN!! HOPE ALL IS WELL BUDDY
This guy gives the most basic financial advice and every caller seems bewildered. Ive always lived responsibly and within my means and its shocking how many people rack up tons of debt and make bad financial decisions everyday
You’re in your 40s with so much debt that you’re considering bankruptcy and one of you isn’t working and the other is working part time ? Some people are so dumb it hurts
I have an anxiety for not going to work and staying in debts.
Hey guys, I was in the SAME situation this lady was in and I could HELP HER ALOT. Pretty much, she's doing the right thing seeing someone about the anxiety issues *(As this was prob triggered during the stresses of collage. This is a very common thing)* and she got great advice from you about needing to get on Dave's plan and CARE LESS about letting people down. Live your own life and when someone isn't happy with you, you smile and tell them that's all you can do. I was 60K in debt making 30K and now I'm debt free, making 80K. Took about 3-4 years.
Thank you, Dave, for acknowledging that what she is going through is real. I am always encouraged by your empathy, while also trying to push for a way forward.
My younger sister sent me in this direction after a convo we had a few days ago. I’ve listened to a few of these types of videos over the past couple days and I must say there are tons of people in far worst situations than my own. That doesn’t make me feel better about myself but encourages me cause things could be far worst. I’m 32 with 55k debit and for some reason this guy makes me feel like tackling that challenge could be a lot easier than I was assuming. Putting his baby steps plan in action asap.
My lie detector exploded when she said she was getting help for her "anxiety".
her "therapy" probably is some neighbor witch, telling her which tea's to drink
@@toxicrengar7572 lots of assumptions
@@toxicrengar7572 or shopping therapy with the cc.
Good thing those things are inaccurate
She doesn't need "help", she needs a job.
Dave is a pro. Him taking this caller and giving them the attention and care they needed is truly fantastic.
It's amazing she had the courage to call but honestly in anxiety situations (and I have been there) the best thing you can do it's to go out of the house and try to do your life. It will be so hard at first but in few weeks or months it will feel natural. When you stay at home it's easier to think everything is bad and feel bad for yourself, when you go out and you are busy you have no time to be sad and anxious. Not only work will make her anxiety less severe than she will also have money to enjoy her life better and stop stressing about debt. She needs to get into the cycle, now she is just in a hole.
I was out of work, related to illness for six months and suffered from debilitating anxiety. I would wake up every morning with a sense of "impending doom." No matter what activities I engaged myself, the symptoms persisted until I was capable of returning to work.
Her anxiety is related to a lack of productivity. She needs to return to work and the anxiety will likely heal itself.
I love how Dave makes it seem like 33K in CC debt is nothing. Paying off 33K when you're making below avg income is very hard
I don't think he felt is was nothing, but it's important to point out that 80% of the debt will still be around after bankruptcy. And he's right that even if ALL the debts were gone, they still have to solve the income problem.
Yep. They will be in the defaulted interest rate bracket which is like 20% or some crazy figure. At that income level they will be making minimum payments that barely touch any principal.
But nobody pointed a gun at them and told them, "Sign up for this loan or you will be shot!" They did this of their own free will. And now they find out it wasn't free at all!
Total head case
FACTS 👌!!!!!!!!!!!!!
Wild stab in the dark here but I'm guessing these people are never going to make their way out of debt...
i was gonna say the same thing lol
Perhaps, but reaching out to Dave is a huge step in the right direction and shows a willingness to at least try. Maybe with some guidance she and her husband CAN get their income up and begin getting out of debt.
Yep bankruptcy is probably their best bet. Or just pay car payment, and mortgage if they have one. And send everyone else five bucks a month or nothing. And don’t answer your phone for seven years. Or get a job. No reason a mom can’t earn 1000 bucks a month between a part time job and selling on eBay... or something. This person has really been living under a rock.
Would not bet against you!
she got anxiety "after" she stopped working..hmmmm interesting
I like to listen to Dave to help me feel better about my situation.
Dave takes each call as a loving father would do his child. Even in “tough love” responses, he addresses callers in the manner they should be addressed. This woman didn’t need a wake up call, she needed some loving guidance, and Dave gave her that. ❤
Watching fro the UK I love this programme. Debt is a huge problem for us in the UK too. Sacrifice is necessary work to clear that debt and never go back. I hope this caller finds financial freedom
Unfortunately there is still no correlation between youngsters signing loans for tens of thousands dollars and majoring in worthless degrees that have no real life value. Universities could care less about a student’s success or failure after graduation. The Professors and Administration received their paychecks and new buildings. Also carrying a student loan into your 40s, 20 years after graduation is a sign of other internal drive issues. I think accountability has been so far removed from our daily actions and vocabulary that very few will only be able to scratch the issue of what the root cause of their issues are.
A degree is only as worthless as the one getting it. I majored in History and make a decent amount/bought a house in the Bay Area, California. My cousin has majored in chemistry and is on food stamps.
If you haven't paid off your student loans in full within 24 months of graduation, there is a problem.
@@pigpjs - I would say you are partly correct
@@Michael-vf2mw People who make great money don’t even typically pay it off in 24 months. It’s a problem period, but not for the silly metric you just suggested.
A lot of people typically make bad decisions and plan things out terribly. A lot of people have serious problems with money. What do you consider "great money"?
I have severe anxiety/depression after 10 years of active duty and multiple deployments. I get some disability from the VA, but not enough to support my family, so I still work a full time job. I'm on one medication, talk to a therapist occasionally, and have the full support of a great wife. Staying home in a bad situation and doing nothing is terrible for anxiety and depression, and the worse your financial situation gets the worse your anxiety will get. You need to get what help you can and then do what you need to do to support your family and survive, making nothing and sitting at home with nothing else to do but worry is going to kill you.
The biggest Debt that everyone has is Health! We all neglect are Diets with over consumption, and bad meal choices, and allow ourselves to consistently never fix our well being. We owe a lot to our Body, and we need to pay it off with the right food intake and care. All these other things like financial debt does not mean anything...if will not extend your life, and you will not get physically harmed by not paying Cash or Money Debts, that's a fact.
I feel it for this lady and her family. Hope they find a way out.
Right, the first step is to get her a job and stop being lazy.
You showed a lot of compassion for the young lady. I pray she gets the help she needs because it's really stifling the family.
She's in her 40's
For the young lady?…🤣🤣🤣
After a medical diagnosis I was having frequent panic attacks. I started shutting off places and experiences where I had panic attacks. My therapist was adamant that even though it was easier in the short run that was the worst long term action. He was absolutely right and I’m so glad I pushed myself to get back to normal. I hope she finds the same peace.
Dave was very kind with this lady.
He was too kind
Anxiety is fear of what may never happen. You have to train your brain to think in the NOW to get over it.
She needs to find a work from-home-job, and he needs to find either a second job or a higher paying job. The thing that really caught me was the $11k car on $28k income. This whole thing was avoidable, but they tried to live like they had a $300k income instead of a $30k income. Straight up terrible decision making on their part.
You don't have to make $300K a year to have an $11K car. Most new sedans are double that, and are affordable to middle class people.
@@blaisetelfer8499 Obviously not, but the car wasn’t her only debt.
She dont have anxiety, she just hates work
She'll have plenty of anxiety when she's homeless and living on the street
It sounds like she’s milking the “anxiety” diagnosis so she can get Social Security disability.
I agree.
Yes. Lazy. 40s and hasn't accomplished anything.
Yep. Disabling anxiety and depression that prevents her from working indefinitely
@@tenilleottley3973 you, nor I, know the extent of her “anxiety.” It is an overused, waste paper basket diagnosis. Far too many otherwise well people use this diagnosis too obtain Social Security Disability. In my four decades of employment in direct patient care I have learned to be very skeptical of patients who play the “anxiety” card to manipulate the system.
Thats hard to get
she can work at home, their companies hiring like crazy for customer service reps, admin and accounting bookkeeping working at home for 40 to 60k.
I work from home and make over $50K a year. She needs to work from home, there are some really good companies that offer remote work. $28K a year with a family and $100K debt, How do they live?
Yup!!!
The way Dave handles this call proves that Delony was a great asset to bag.
Who's not working?
"Me!"
😂😂😂😂
I’m a full time student and work part time @ Costco where I made 28k last year. I’m baffled at the fact that the caller’s annual household income is what I make working part time…
Dave was very gentle with this caller. Good going channeling your inner Dr. D!
In reading these
comments most people are ignoring her saying she has a sick child at home. I took it that is why she isn ‘t working and probably why the anxiety set in. Best wishes to them. I am glad Dave is there to help them. Bless you Dave. Good job.
They don’t care about that… most of Americans are in debt with predatory student loans. They are all the good ones that probably had mommy & daddy’s money their entire life
That child is in trouble
Dave- are you working?
caller, No, I have anxiety problems
Dave- are you being treated for it?
caller- Yes, I stay home, watch TV and eat ice cream all day
Except she didn't say that
@@kbanghart but what else could she be doing? is she just freaking out with anxiety attacks 24/7? She's definitely siting around and chillin
@@Cj-vk9kj anxiety is when you work and you keep getting sick because your body just shuts down and effects everything that you do.
@@Cj-vk9kj You have no concept on how crippling anxiety can be.
@@allyglasson8250 the debt is the root cause of the anxiety.
I love how considerate and good Dave is in advising.
yeah it’s so awesome that he comforted her in her choice to not work while they’re in over 100k of debt
@@yang139 Why awesome? Are you upset?
This is Dave at his best. No one better.
dave is literally so freaking smart, LISTEN TO HIM
The anxiety struggle is REAL! I hope she gets better and goes on to work
Your ancestors look down on you with shame for being such a pansy
“Oh! After you stopped working. Hmm. That’s interesting “😂
Ah! It's Dave back doing the solo show. I like these so much and miss them! Thank you for posting this.
Less debt = less stress
Her anxiety is that one day she will have to work again
This is one of the worst calls I heard on this show.
I had panic attack and thankfully I healed it. I read a lot of books about health and applied all the knowledge that I learn. While my panic attack was on the roof and it comes and goes, I force myself to go out and work. And at that time, I was working at a busy Urgent Care. Also, I was working 6 times a week that my hours can go 200 hours for 2 weeks. I am very thankful to God that my panic attack is now gone and feel l become a stronger person. So when I hear stories like this woman, I automatically thought how lazy they are
Anxiety is such a crutch for some people 🙄🙄🙄🙄🙄
As a single mom in my 40’s, this call was painful to listen to. She’s a professional victim. Get out of the house and cultivate a life that you master.
Pick a hobby that pays! Say goodbye to unhappy days
Anxiety.
Emotions are our bodies way of getting us to act. You have bad anxiety partly or mostly because your life sucks.
Your anxiety is your body telling you to change and act.
"umm" after every single question.. is likely her evaluating the next answer to make sure it doesn't reveal she has any responsibility in the problem or solution.
She needs to stop making excuses and go get a job. Sounds like my mother that allowed anxiety to cripple her and keep her home while the family struggled on one income.
Yeah Dave was pretty much telling her that. He isn’t qualified to tell her that but her family needs it
Anxiety is terrible don't get me wrong, but it didn't discourage me to get a job and try to get so many opportunities for trying to get experience for my career.
“I have anxiety.”
1-How’s your diet?
2-Do you workout?
Those should be the first two questions.
I can certainly understand her position. I’m 47, 140k in student loan debt with two worthless degrees. I make 35k/year and barely survive. School was a big mistake that I will pay for the rest of my life. At least I can say it’s only me with no kids or spouse.
Same boat with the student loans. The degree never helped me get an increase at work or anything. I’m sorry you’re going through this too. Keep going you can get through this I believe it that
Dang, I know this is a year old video, but her situation was tough. 100K in student loan debt without an actual degree is just unbelievable, heck, I am pretty sure I could just buy a bachelor's degree for less than that from many of the predatory for profit universities around the USA. I wonder where her family is with the process nowadays? Hopefully they are making a turnaround.
I stopped getting debilitating panic attacks when I started eliminating wheat from my diet. I got a panic attack after eating pizza and pasta one day and my doctor said panic attacks can be an undiagnosed wheat allergy. 🤷♀️
There are plenty of people out there working and earning money whilst dealing with anxiety.
Being in complete lack of control of your life causes anxiety. I know from experience. I am diagnosed general anxiety disorder. I get anxiety over every little thing and sometimes its crippling. Gotta find your triggers and what cures them. God-speed to her.
Starting to feel guilty watching these--like pulling over on the highway to gawk at a terrible accident and thinking how lucky I am it's not me.
Today I escaped anxiety. Or no, I discarded it, because it was within me, in my own perceptions-not outside. - Marcus Aurelius
Dave, you did a great job at keeping your head on straight with this woman. She has no desire and takes zero accountability for being in this situation.
How can she be so nonchalant? I definitely would’ve increased her anxiety if put in that situation 😅
How would you have increased her anxiety?
In their 40s making $28k a year? That would give me “anxiety”
Anxiety? Go to work and pay down the debt. You’ll be surprised how that might reduce your anxiety.
I make 60k a year and I have 260k in my savings ✌️
And you are a canine! You are such a good boy!🤣
@@slammedc2003 don't be jealous 😉
So she spoke to FOUR debt attorneys already. I guess she doesnt want advice after all OR she only wants Daves.
Two 40 years olds and only one works part time moving cars...and they have a child. Good lord.
Idle time is not good. Gotta stay busy ma'am. Go back to work and get your confidence back faster than you can imagine. You can do this!!
Dave has softened his approach. He handled this woman in a compassionate way, when he could have gone off on a rant on the terrible choices and circumstances she’s in.