Dave Ramsey Was Wrong, Now She's F*cked | Financial Audit

"at the end of this year all those three will fall off and then you're going to pick up all these extra things instead of looking for different career opportunities."

"And then you'll be in your 40s. Still $0. Still paying off credit cards. $0 in our retirement. Still paying off credit cards. Okay. Seven years for $1,000. Mhm. That is ridiculous."

"The reality is if you got to suck it up, take advantage of the accommodations, go to a school, community college, whatever you can do that offers the programs that you want to do and actually put in the work and the time and find the accommodations that you can put in the effort. the amount of effort that you take to go over the step to go to a rave to do a trip to go to aing vortex or whatever whatever you do that amount of effort just put even half of it into just trying to find a system that works for you even if it takes you twice as long to complete school we need to boost our income"

"we need to boost our income if we're going and we're borrowing a little bit more for school for the long-term life I am okay with that but you need to boost your income we got to get to at least $30 an hour even if that is starting a whole brand new career through the certification or just becoming an entry-level desk person somewhere and working your way up or working a second job, working the McDonald's, something on the side. You got to bring in more money."

"Once you bring in more money, then yes, pay off the debt, smallest to largest. No spending on them whatsoever. That is not involved in David's in David's little snowball. Okay. He didn't invent it, but either way, just cuz you were watching the DVDs."

"Then we got to start catching up on retirement. You got to get to get a six-month emergency fund, then catch up on retirement."

"So, if you did go through bankruptcy, at least prove that you can live this lifestyle for 3 to 6 months. Change your behavior. Mhm. But I don't know, man. That's it. I just I don't think you're going to I don't think you're going to do anything that is slightly inconvenient to you. You're going to find an excuse to not do it?"

"Hammer financial score, rounded up to a one out of 10."

"She told me, 'Yeah, I booked a festival. I'm coming back in October and then I have a festival in November.' What are you doing? You are negative money on a monthly basis. You cannot go to a music festival. Period. Period. Period. Period."

"If you're able to actually uh not drop out on the first day. Um, what I'm doing now is exactly what I want to be doing in medical if I want to stay in medical. But after graduating, I realized maybe crane crime scene tech is maybe not great for my psyche cuz the things that you have to deal with."

"I'm gonna try to refinance once I get a little bit better credit."

"So, what's happening with that right this second is I was doing that save thing and they overturned it. I got a notification just like two weeks ago saying I need to sign up for cuz I had a an IDR plan um and it was going to be like 132 and they overturned that I guess in in the courts as well. Yes, I got a notification that I was in a 60-day forbearance and they'll let me know what my new payment's going to be. Well, looks like $525."

"The reality is if you got to suck it up, take advantage of the accommodations, go to a school, community college, whatever you can do that offers the programs that you want to do and actually put in the work and the time and find the accommodations that you can put in the effort. the amount of effort that you take to go over the step to go to a rave to do a trip to go to aing vortex or whatever whatever you do that amount of effort just put even half of it into just trying to find a system that works for you even if it takes you twice as long to complete school we need to boost our income if we're going and we're borrowing a little bit more for school for the long-term life I am okay with that but you need to boost your income we got to get to at least $30 an hour"

"Once you bring in more money, then yes, pay off the debt, smallest to largest. No spending on them whatsoever. That is not involved in David's in David's little snowball."

"then we got to start catching up on retirement. You got to get to get a six-month emergency fund, then catch up on retirement."

"Spending in a budget, you technically spend under what you make surprisingly, but none of it went towards anything productive. So two out of 10 debt, it's bad debt, you know, especially for your income situation. It's not the worst debt in the world, but it is a two out of 10. Emergency fund, nothing. 0 out of 10. Retirement, nothing. 0 out of 10. Real estate, nothing, zero out of 10. Hammer financial score, rounded up to a one out of 10."

"She told me, 'Yeah, I booked a festival. I'm coming back in October and then I have a festival in November.' What are you doing? You are negative money on a monthly basis. You cannot go to a music festival. Period. Period. Period. Period."