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Caller: “I’m 26, about to get engaged, but my net worth is way higher than my girlfriend’s. Do I need a prenup?”
Dave Ramsey: “Okay, what does ‘different net worth’ actually mean?”
Caller: “$50K from my grandparents for a house, $50K in my truck, $165K across my 401K and accounts, $150K left in a college fund… She’s finishing PA school with about $120K in debt.”
Dave Ramsey: “And what are you making a year?”
Caller: “About $120k/yr.”
Dave Ramsey: “You’ve got around $600K to your name at 26… honestly? That’s not enough net worth to warrant a prenup. If you’re comfortable, skip it.”
$600K net worth at 26. Fiancée in PA school with debt. Dave says skip the prenup
Lin retweeted
I'm about to piss off every grown man with a PlayStation...
If you're over 25, have a full-time job, bills to pay, and are going to use PTO because a new GTA dropped...
You get maybe 10-15 precious days a year to travel, make memories and experience REAL LIFE...
But you want to use PTO to steal a Lamborghini and run away from imaginary cops.
But hey, it's your PTO.
I'm about to piss off every grown man with a PlayStation...
If you're over 25, have a full-time job, bills to pay, and are going to use PTO because a new GTA dropped...
You get maybe 10-15 precious days a year to travel, make memories and experience REAL LIFE...
But you want to use PTO to steal a Lamborghini and run away from imaginary cops.
But hey, it's your PTO.
Lin retweeted
A case of soda is $9+ now.
I remember seeing deals like 4 for $12 back in 2020.
I compared SAME grocery order:
From 2020: $72.58
From today: $163.29
Over $90 MORE for the same order.
That’s over 100% inflation rate since 2020.
Our paychecks sure as hell didn’t double…
I CAN’T BE THE ONLY ONE THAT’S NOTICING THIS RIGHT??
A case of soda is $9+ now.
I remember seeing deals like 4 for $12 back in 2020.
I compared SAME grocery order:
From 2020: $72.58
From today: $163.29
Over $90 MORE for the same order.
That’s over 100% inflation rate since 2020.
Our paychecks sure as hell didn’t double…
I CAN’T BE THE ONLY ONE THAT’S NOTICING THIS RIGHT??
“GEN Z DOESN’T DRINK”
“GEN Z DOESN’T DATE”
“GEN Z DOESN’T BUY HOUSES”
“GEN Z DOESN’T HAVE KIDS”
“GEN Z DOESN’T SMILE”
Maybe because:
• They graduated into a pandemic
• Job hunted into an AI apocalypse
• Entered the housing market when rates hit 8%
• Watched a world war start before they turned 25
• Got their first paycheck and lost 30% to taxes they’ll never see benefits from
• Student loans kicked in the same month rent doubled
• Were told to “just network” during two years of lockdown
• Grew up on social media designed to make them feel worthless
• Watched billionaires add trillions during COVID while they lost their jobs
• Inherited a planet that’s literally on fire
• Were promised the American Dream and handed the American Bill
But yeah.
It’s the avocado toast.
Lin retweeted
1 am 25, I don't care about 401Ks.
I am still paying off my 10,000 dollar car that I had to buy at a 12% interest rate becuase Biden hiked the rates and "first time buyer" rates.
I have a 250 a month insurance payment because you let 100 million illegal immigrants drive without liscenses.
My rent is nearly 2k a month because you made it illegal to build and imported millions of foreigners to replace me.
1 am 25, I don't care about 401Ks.
I am still paying off my 10,000 dollar car that I had to buy at a 12% interest rate becuase Biden hiked the rates and "first time buyer" rates.
I have a 250 a month insurance payment because you let 100 million illegal immigrants drive without liscenses.
My rent is nearly 2k a month because you made it illegal to build and imported millions of foreigners to replace me.
Lin retweeted
I’m sorry, but the math just DOESN’T work anymore.
A lot of jobs are still paying somewhere between $15 and $21 an hour. Work 40 hours a week and you’re making roughly $2,600 to $3,640 a month BEFORE taxes.
Now go pay $1,500+ for rent. Throw in a car payment, utilities, gas, groceries and all the other random crap that somehow costs twice what you remember it costing.
And that’s before childcare. Car insurance. Health insurance. Student loans. Credit cards. An emergency. A flat tire. A trip to the doctor. Or God forbid you actually want to save some money and enjoy your life once in a while.
I’ve been a financial planner for almost 20 years, so I’m obviously a HUGE believer in budgeting and living below your means.
But there comes a point where telling someone making $18 an hour to “just budget better” is ridiculous.
You can’t Dave Ramsey your way out of $3,500 of monthly expenses when you’re bringing home $2,600.
Sometimes the problem isn’t the budget.
The income simply doesn’t cover the cost of being alive anymore.
I’m sorry, but the math just DOESN’T work anymore.
A lot of jobs are still paying somewhere between $15 and $21 an hour. Work 40 hours a week and you’re making roughly $2,600 to $3,640 a month BEFORE taxes.
Now go pay $1,500+ for rent. Throw in a car payment, utilities, gas, groceries and all the other random crap that somehow costs twice what you remember it costing.
And that’s before childcare. Car insurance. Health insurance. Student loans. Credit cards. An emergency. A flat tire. A trip to the doctor. Or God forbid you actually want to save some money and enjoy your life once in a while.
I’ve been a financial planner for almost 20 years, so I’m obviously a HUGE believer in budgeting and living below your means.
But there comes a point where telling someone making $18 an hour to “just budget better” is ridiculous.
You can’t Dave Ramsey your way out of $3,500 of monthly expenses when you’re bringing home $2,600.
Sometimes the problem isn’t the budget.
The income simply doesn’t cover the cost of being alive anymore.
Lin retweeted
私のHOAは、ゴミ回収後1日間、通りからゴミ箱が見えていたため、私に500ドルの罰金を科しました。
支払いました。
2週間後、HOAの会長が私のドアをノックしました。
嵐で彼のフェンスが損傷し、彼は作業員が修理中に私の車道に駐車できるようにトラックを移動させてほしいと頼みました。
丁寧に「いいえ」と言いました。
彼は、隣人同士が互いに助け合うべきだと私に思い出させました。
私は、彼がゴミ箱のことで私に罰金を科したとき、同じ理解を示すことができたはずだと彼に思い出させました。
今、近所の人は私が恨みを抱いていると言っています。
私が間違っていたのでしょうか...それとも、彼は何も示さないのに親切を期待していたのでしょうか？
私のHOAは、ゴミ回収後1日間、通りからゴミ箱が見えていたため、私に500ドルの罰金を科しました。
支払いました。
2週間後、HOAの会長が私のドアをノックしました。
嵐で彼のフェンスが損傷し、彼は作業員が修理中に私の車道に駐車できるようにトラックを移動させてほしいと頼みました。
丁寧に「いいえ」と言いました。
彼は、隣人同士が互いに助け合うべきだと私に思い出させました。
私は、彼がゴミ箱のことで私に罰金を科したとき、同じ理解を示すことができたはずだと彼に思い出させました。
今、近所の人は私が恨みを抱いていると言っています。
私が間違っていたのでしょうか...それとも、彼は何も示さないのに親切を期待していたのでしょうか？
My Boomer mom asked why I don’t just “get serious” about having kids.
I told her daycare here is $1,900 a month. Per kid.
She said “we managed on one income.”
I said your rent in ’89 was $410. Mine is $2,150.
She said “okay but wages went up too.”
I told her minimum wage in ‘89 was $3.35. Today it’s $7.25.
She got quiet, doing the math.
“That’s not even double,” she said. “Rent went up five times.”
I didn’t say anything. Just let her sit with it.
Then she said, “Your father made $11 an hour at the mill. We bought a house on that.”
Another pause.
“I don’t think that job even exists anymore.”
“It doesn’t,” I said.
She looked down at her coffee.
“I didn’t know it was like this. Nobody ever laid it out.”
That’s it. That’s the whole conversation.
She wasn’t dismissive. She just never had to do the math before.
Most of them aren’t the enemy. They just built their whole worldview on numbers that stopped being true thirty years ago.
Lin retweeted
HOURS OF MINIMUM WAGE WORK NEEDED TO ESCAPE POVERTY:
🇯🇵 Japan — 11
🇬🇧 UK — 23
🇫🇷 France — 26
🇳🇿 New Zealand — 29
🇵🇹 Portugal — 31
🇦🇺 Australia — 32
🇧🇪 Belgium — 32
🇪🇸 Spain — 32
🇮🇪 Ireland — 33
🇩🇪 Germany — 37
🇱🇺 Luxembourg — 44
🇨🇦 Canada — 44
🇺🇸 United States — 90
90 HOURS A WEEK.
At the U.S. federal minimum wage of $7.25/hour, this comparison claims a single person would need to work 90 hours weekly to rise above the poverty line.
If working full time isn’t enough to escape poverty, something is seriously wrong.
HOURS OF MINIMUM WAGE WORK NEEDED TO ESCAPE POVERTY:
🇯🇵 Japan — 11
🇬🇧 UK — 23
🇫🇷 France — 26
🇳🇿 New Zealand — 29
🇵🇹 Portugal — 31
🇦🇺 Australia — 32
🇧🇪 Belgium — 32
🇪🇸 Spain — 32
🇮🇪 Ireland — 33
🇩🇪 Germany — 37
🇱🇺 Luxembourg — 44
🇨🇦 Canada — 44
🇺🇸 United States — 90
90 HOURS A WEEK.
At the U.S. federal minimum wage of $7.25/hour, this comparison claims a single person would need to work 90 hours weekly to rise above the poverty line.
If working full time isn’t enough to escape poverty, something is seriously wrong.
Lin retweeted
Today I'll work a 9-hour day to pay for illegals to have free housing and healthcare. Most of my paycheck will go to taxes, my inflated mortgage and my insanely high health insurance costs-my taxes will fund fraud, global communism, and illegal border hoppers.
I put away a measly amount so my children can hope to one day afford college, while the illegals who just showed up here will go for free.
My American children will be paying loans well into their 30s while they compete with debt free foreign invaders for a low paying job outside their degree.
This is the new American dream brought to us by criminal politicians and corrupt judges. 🇺🇸🆘
Today I'll work a 9-hour day to pay for illegals to have free housing and healthcare. Most of my paycheck will go to taxes, my inflated mortgage and my insanely high health insurance costs-my taxes will fund fraud, global communism, and illegal border hoppers.
I put away a measly amount so my children can hope to one day afford college, while the illegals who just showed up here will go for free.
My American children will be paying loans well into their 30s while they compete with debt free foreign invaders for a low paying job outside their degree.
This is the new American dream brought to us by criminal politicians and corrupt judges. 🇺🇸🆘