$70,000 In Debt and Can't Get Ahead With My Money

Robert is starting to budget for the first time but can't seem to get ahead. He calls Dave for advice on what he should do.

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[arleneaugustahair]

They’re still young so it’s fixable! I’m glad they caught it at a young age and not later on in life.

[fabian-isf]

Only 22 and already two kids and 70k in debt....

[vinnyt.]

22 and 2 kids and from Utah... 3 strikes already smh

[kevinb]

Associates degree in Accounting and working at a computer repair shop, this guy is completely twisted!!

[aaGirlification]

Just imagine how many people's lives Dave has changed. I am so glad to have learned about him. His advise helped me in so many ways.

[ALXSSA]

If he gets his bachelor's in accounting and 150 credits he could potentially double that salary. He's only 22 he has time. The only thing is the kids 😓 may take up his time. Wish him luck.

[JM-eiqb]

I am proud to say that I have a 2008 F-150 Triton Crew Cab truck paid off, I am working as a plumber with a great national company; which means 0 school debt and I am 21 years old. I also plan to save up and gain assets by investing in my first rental property before the age of 25. I feel I am on the right path so far. I have learned a lot from Dave & my mentors. Thanks Dave.

[lindseyvelveeta]

Welcome to middle class America. People CAN get out of this mess but the statistics are against them. We are debt slaves because we are consumer sheep.

[trillcastro]

I love my 95 civic I spent roughly $400 on basically new parts just because it’s a 25 yr old car ( and I wanted to changthem myself) it saves me a car note every month 🤑🤑🤑🤑🤑

[alejandrovega]

I came across Dave Ramsey with only 500 dollars in credit card dwpt, contimplating opening another one up.Needless to say I paid it all of the following week.

[Gooselip]

This guy is only 22, never got to live his own life.

[ace]

Both doing overtime will add pressure on the Marriage which could lead to Divorce

[mikedavies]

Hey I love this channel, and I have learnt loads and have been doing the baby steps, managed to pay off my car and now have 6k saved my only issue is that I live in the U.K., does anyone know if the U.K. Has a 401k savings plan equivalent

[purplewave]

Holy chungus, consumerism is both a blessing for the economy, and the opposite to others, unpreparedness was key. I'll recommend financial peace university to my step dad, hopefully he doesn't ignore me this time around... Preparation is key as well, here.
Edit:Another cause;
And direct consequence of lack of discipline

[JogBird]

unfortunately, theyre never get out of debt, one job loss or medical emergency and theyre toast

[Iskateminilogo]

$4000 to fix the car😩just sell the car

[yamamancha]

I am assuming this is largely the wife's student debt because there's no way an associates degree in accounting could cost so much, right?
I can't imagine a 2-year degree in accounting costing more than $10k, and even that seem incredibly high.

[tmusa]

If the wife was a stay home mom, nothing would have been said, but since she’s willing to work, now she’s being told to get a side hustle! LOL!

[robioavion]

Why young man. Why?!? Not even a minute in and I’m shocked! You’re WIFE?!? At 22yo?! 2 kids? Ugh where were your parents?
But hey who am I to judge🤷🏽‍♂️ Wish you all the best Robert😘