I Am Afraid To Start Baby Step 2

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[storytimemom]

This is what we do as a society (read recent comments)...we judge. "He's anxious" and "I wish I had that low debt, how can he be scared..he must need his hand held" … He was courageous to call Dave and he'll be better off one day than a lot of the judgy people who left critical comments, I'm betting. Let's support our brothers doing the right thing and also causing great encouragement to be left for us. You listened to it. Save the snarky comments. Work on your own debt people. Ciao.

[jimpalace]

guy scared about his 4200 debt. Ill trade with you man. Any day.

[beemo]

"Have you noticed that the bank's building is bigger than yours?" - LOL

[davielove]

42, 000 a year in New York near poverty income...This guy is probably living pay check to paycheck in New York.

[allisonstrunk]

I’m cracking up at Dave’s “NO Shawn” voice 😂😂😂😂😂

[tlm]

I work for a finance company and I see numbers like this all the time. Just because he has a good salary and very little debt, does not mean he's good with money, or knows how to handle the money that he is earning. Plus we don't know anything about his expenses and/or obligations. Most people spend every cent they earn. I think its good he's reaching out to Dave, he is trying to change.

[Frissdas]

I roughly followed Dave's plan and it worked fine for me. I wasn't comfortable with only 1000 in savings, so I didn't. I left 25k in there and 1 week later i was furloughed for almost exactly 6 months.

Listen to your gut and be an adult.

[lindatsang]

I took $13, 000 out of our savings and paid out my car and credit card, i walked out the bank feeling like a winner.

[SativaVerte]

Being in NYC anything can happen I feel for this dude.

[Keisha_TKD_NP]

$42, 000 is nothing living in NY after taxes he’s probably drowning. I live in NY I feel for him.

[luminous]

2:12 Being single is a security blanket in and of itself.

[volvotwoseries]

42, 000 equates to more like 20k in NYC that's why this guy is nervous.

[acraft]

That's a lucky guy, I wish my debt was that low.

[californiahandball]

When I started with Dave's baby steps (Early 2018) I was 11k in student loans and 17k in a Car loan and about $1, 500 credit card loans. I paid it all off in 6 months once I started going crazy on my debt. But when I was done for a while I felt a little lost, like I didn't know what to do. But once I started beefing up my emergency fund to 20k it gave another goal. And now I'm in baby step 3b, saving for a down payment and this goal is 20% of a home in my area in Southern California which 20% is 100K. That is my next goal. I think its important to make goals and once you hit them make sure you have another goal waiting for you.

[davidcadman]

I agree with some of the commenters here... 1) being single the baby steps are not as straight forward.... 2) living in high expense area can make taking the initial steps terrifying 3) there are few videos for a) Single People, b) Seniors (I'm 70) the 4th and last point, is I'm in Canada, and some things don't translate the same from Tennessee or Mississippi but I'm trying... very :D
Came across Dave's programs last week, when I was trying to decide whether to save/or pay off debt and which debt... just listening to him gives me quiet confidence to keep at it... btw, I'm an atheist, and it seems funny listening to a "preacher" talking sense about money, and not pushing for donations.... he convinced me... ok, enough running at the mouth... good luck everyone... cheers dc

[yahushahamashiachiswarlike]

Maybe the caller doesn't feel stable in his job. I still owe 24000 in student loans. Wish I only down to 4200 to pay.

[CynPope]

Wait he makes 42, 000 and only has 4200 in debt? And he is scared? Spare me

[mlovespring]

I feel for Shawn. I drained my savings to pay off debts. Still nerve racking till this day, has not sunken in yet. Building it back up, feels like going up the hill/mountain in slow motion. But, I am reaching my financial

[DrogoBaggins]

If it took him two months then he can save $500 a month. If he is uncomfortable he can just hold his savings where it is and pay off the $4200 in nine months.

[panhavornchhun]

I'm on baby steps 2 with only $4000 to go and I only make $11000 a year. Gonna do my debt freedom cheer in December. Keep at it bro.