"Dude, You're Irresponsible"

[Music] Brought to you by the Every Dollar app. Start budgeting for free today. So, I'm wondering how we can apply the baby steps and get my husband through college. What's he taking? So, he's going into software engineering. Okay. And why would he be in college for that? I the last place I would go to learn software engineering. Really? Yeah. Really? I got a whole bunch of them, like 300 of them that work here. I have 300 of them that work here. They went to code school. Okay. They didn't go get a four-year degree. The number of them that have four-year information systems degree is almost zero. Now, a few people that do cyber security stuff at a real high level go get a four-year degree. But to be a software engineer, you don't need a four-year degree. Matter of fact, it's a lot of the what you take is a waste. So why is he doing that? That is the best thing I've heard in a long time. What? She said she's crying heard in a long time. Oh, okay. It's good. How why are you crying, hun? Oh, I'm just like super scared. Out of my mind. What are you scared about? My husband is trying very hard to support our family. We have three kids and I have no education to warrant more than minimum minimum wage. Disagree with you wholeheartedly on that assessment. Education does not give you anything to warrant anything. All it does is give you tools to do a job. But um this idea that you've got the idea that a that a degree is a ticket into a club that you're not worthy to belong to called success. And that's not true. There's very little correlation to that. Uh that's the old thing from the 50s and 60s where they sold everybody to go into college loan debt because if you don't get a degree, you're never going to be anything. And not true. So, um what is he doing now? He's attending university. That's it. So, he's in school full-time. Yes. And doesn't work? Yes. How are y'all eating? Um, we have access to a 529 account that has $30,000 in it for us to use towards education. Yeah. And that's how he's paying for his tuition. How are you buying food? A food stamps? Yeah. You're not scared about Yeah. Jeez, man. You're scared because your husband's not working for quit his job. Yeah. What was he doing before he quit? He was working at a customer service representative. All right, let let me just I'm going to I'm going to be as as bold and and as I can. I worked a full-time job as a dean of students. I also was an adjunct professor at two different universities and I ran around with police officers police officers in the middle of the night. I was a full-time doctoral student. Why? cuz I had a family to provide for and I had dreams of things being different in the future. And that meant I couldn't just cash out on my responsibility to take care of my family. He can't either. You don't get to put your kids, the three kids on food stamps so you can go get a degree. Wrong answer. No, he needs to go to work and he needs to stay up all night doing doing his assignments at his coding school that have you have 30,000 bucks that will cover the cost. You can go he can go to code school while he works a full-time job or two full-time jobs or three. You are right to be terrified because your husband's cashed out on your family right now. You and the three little kids. And I would tell him that if he was sitting right in front of me. Okay. Extremely irresponsible. Tell him that when Play this clip back to him. Have him call us. Dude, you're irresponsible. There you go. I just said it for him. Here, here's how it has to start, honey. You have to So, you have to sit down and say, "I'm scared to death." It's not It But listen, you It's not a dream he's living. It's a nightmare, okay? Your primary focus on this planet is not to self-actualize and feel good and I want to live my dream. I want to live my passions. Well, cry me a wambulance. Seriously, you go get a job and you feed your freaking kids first. before we talk about your dreams. Okay? And then you work 16 hours a day and make sure everybody's taken care of. And then in the middle of the night, I wrote the book Financial Peace from 10:00 p.m. to 2:00 a.m. is when that book was written. And that's when I wrote my wrote my dissertation for at 10:00 p.m. till 2 a.m. till your face falls asleep on the keyboard. Yeah. you get up and I had little babies upstairs asleep and a wife upstairs asleep and I would get three or four hours of sleep and I would get up the next morning and go to oh work while I was building my dream of financial peace. So no, this is this is a bad plan, darling. It's a bad plan. There's there's so much wrong with your plan. It's unbelievable. I think the problem is it's not her plan. I know I said I his plan. I'm sorry. His plan. So okay, look. Number one, let's just start with the fact you don't need a four-year degree to be a software engineer. Boop right there. Okay, that that just shortcut. Hey, that gets it's shortened the uh the on-ramp. And you've got a 529 with 30 grand in it. You've paid for it. There you go. Yeah. Yeah. Uh Bethl, is that the people? Bethl Tech's got programs. Yes. Beth Tech has programs for the we they I don't know if they're still an advertiser. They advertise with us for a while, but they're good people. I've been with them. They do a good job teaching coding. We've sent people from Ramsey there to be taught coding. And so you can become a software engineer. You start out dev one, you work, keep doing, keep working your searchs and you get to dev, dev three. Dev 3s will make a couple hundred grand right now. Okay? Maybe a little more. But u and if you want to move all the way into cyber security, you probably get up to a half million. But you got that's that's a different level. But you can go out and get a software degree. There's much more than better. I mean, software co go to code school and write enough code to make a whole lot more than you would as a customer service rep, but you don't cash out on your family to do it to do it. You do that and and that's just part of being a I just went my dream. You want to smack your dream. You turn into a nightmare for everybody else. Oh god. And then your crying wife has to call us and say, "Help, please." Yeah. Yeah. Yeah. Yeah. That's how you tell him. You play this back. It won't be pleasant for him. It's okay. We're in the business of telling people the truth because we love them and we want you to win. We want to succeed. We want him to succeed. We want you to succeed. Let's lean on this, too. Just because you don't have a degree doesn't mean you don't have to make minimum wage. That's absolute bull crap. To make minimum wage. It's not true. Bull crap. Um and it may be that you got to get a minimum wage job to get money in the door right this second, but you're looking all the time after that job and you're going to find yourself Listen, minimum wage is seven and a quarter. Target, if you just show up and breathe and bathe, we'll pay you $20. Okay, that's how that's the qualifications to work at Target. I don't think that's right. Bathe and breathe. That's it. You make 20 bucks an hour and minimum wage is seven and a quarter. So that No, you're not minimum wage. Create your free every dollar budget today. The simplest way to budget for your