{"id":334316,"date":"2025-12-07T03:32:20","date_gmt":"2025-12-07T03:32:20","guid":{"rendered":"https:\/\/www.newsbeep.com\/us\/334316\/"},"modified":"2025-12-07T03:32:20","modified_gmt":"2025-12-07T03:32:20","slug":"a-dad-making-120000-says-the-holidays-feel-impossible-dave-ramseys-response-you-live-in-one-of-the-most-expensive-cities-in-the-world","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us\/334316\/","title":{"rendered":"A Dad Making $120,000 Says The Holidays Feel Impossible. Dave Ramsey’s Response? ‘You Live In One Of The Most Expensive Cities In The World’"},"content":{"rendered":"\n

Beau, a father of four in New York City, is pulling in $120,000 a year between a full-time job and three side gigs. But when he called into \u201cThe Ramsey Show<\/a>\u201d recently, personal finance expert Dave Ramsey had a solution\u2013move out of the city.<\/p>\n

Beau said he feels an \u201coverwhelming stress of the holidays\u201d as he and his wife try to get out of debt while still doing right by their children, ages 7, 10, 11 and 15.<\/p>\n

They’re living paycheck to paycheck, he said, with nothing extra left over. Beau’s main job is managing a small grocery store\u2013the same one he used to own before selling it last year to help pay down business debt. He also picks up gigs with Amazon and catering services to make ends meet.<\/p>\n<\/p>\n

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Despite the effort, the family is still buried in about $123,000 of debt: $40,000 from the business, around $30,000 in student loans shared with his wife, $35,000 in credit card debt, and $13,000 on a 2018 Toyota 4Runner. Beau also bought a used Silverado in cash, which he said spends more time in the shop than in the driveway.<\/p>\n

\u201cSomething\u2019s got to change, dude,\u201d Ramsey told him. \u201cYou\u2019ve got no emotion left in your gas tank. I\u2019m talking to a guy who can\u2019t even form a sentence cause you\u2019re completely exhausted.\u201d<\/p>\n

Beau admitted that he\u2019s mentally and emotionally drained. Ramsey said it shows. \u201cYou\u2019re carrying all of this. You\u2019re the plates-spinning-est dude I\u2019ve talked to in I don\u2019t know when,\u201d Ramsey said. \u201cThese plates are crashing all around you, and you\u2019re scared to death.\u201d<\/p>\n

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In fact, Ramsey zeroed in on the real problem. \u201cYou live in one of the most expensive cities<\/a> in the world to live in,\u201d he said. \u201cAnd you can\u2019t afford to live there, can you?\u201d<\/p>\n

Beau explained that they pay just $2,000 for a basement apartment in a desirable neighborhood<\/a>. He also said moving isn’t possible right now because of custody issues involving his oldest child.<\/p>\n

He urged Beau to consider all options\u2013from changing careers<\/a> to asking his wife to find outside work, even if just for a season. She currently homeschools their kids.<\/p>\n

See Also: Earn While You Scroll: The Deloitte-Ranked #1 Software Company Growing 32,481% Is Opening Its $0.50\/Share Round to Accredited Investors.<\/a><\/p>\n

\u201cYou\u2019re going to blow a gasket. Something\u2019s going to blow up in your marriage,\u201d Ramsey warned. \u201cYou\u2019re stuck, stuck, stuck, stuck, stuck, and just start yelling at the stuck and say, \u2018No, I\u2019m throwing dynamite on your butt.’\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"Beau, a father of four in New York City, is pulling in $120,000 a year between a full-time…\n","protected":false},"author":2,"featured_media":68209,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[28,155,147,530],"class_list":{"0":"post-334316","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-dave-ramsey","10":"tag-personal-finance","11":"tag-personalfinance"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/334316","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/comments?post=334316"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/334316\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media\/68209"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media?parent=334316"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/categories?post=334316"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/tags?post=334316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}