Brought to you by the EveryDollar 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... Last one was out of 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 degrees almost zero.
Now, a few people that do cybersecurity 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. And in fact, a lot of what you take is a waste. So why is he doing that?
I think I've heard it a long time. What? She said she's trying. He doesn't even know if he's in a long time.
Okay, it's good. Why are you crying, huh? Oh, I'm just like super scared. Put him in 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 wage.
Just agree with you wholeheartedly on that assessment. Education does not give you anything to warrant anything. It does just give you tools to do a job. But this idea that you've got the idea 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. 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 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 you all eating?
We have access to a 529 account that has $30,000 in it. For us to use towards education. Yeah. That's why he's paying for his tuition.
How are you buying food? A food stamps. Yeah, you're not scared about it. Jeez, man.
You're scared because your husband's not working for him. I don't quit his job. Yeah. What was he doing before he quit?
He was working at a customer service representative. All right. Let me just I'm going to be as bold 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 in the middle of the night and was a full time doctoral student. Why? Because 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 with three kids on food stamps so you can go get a degree.
And wrong answer. No, he needs to go to work. And he needs to stay up all night doing his assignments at his coding school that you have $30,000 that will cover the cost. You can go to coach 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 cash 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. Extremely irresponsible. I can 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.
Here's how it has to start, honey. You have to sit down and say, I'm scared to death. But listen, it's not a dream. He's living.
It's a nightmare. Your primary focus on this planet is not to self-actualize and feel good. I want to leave my dream. I want to leave my passions.
Well, cry me a whambulance. Whaaa. Seriously, you go get a job and you feed your freaking kids. First, before we talk about your dreams, we.
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 PM to 2 AM is when that book was written. And that's when I wrote my dissertation at 10 PM until 2 AM until your face falls asleep on the keyboard. And I'm little babies upstairs asleep and a wife upstairs asleep.
And I would get three or four hours of sleep. And I would get up next morning and go to work while I was building my dream of financial peace. So no, this is a bad plan, darling. There's so much wrong with your plan that it's unbelievable.
I think the problem is it's not her plan. I know, I said, I'm his plan. I'm sorry, his plan. So, OK, 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. OK. That just short, hey, that gets, it's a short in the on-ramp. And you've got a 529 with 30 grand in it.
You paid for it. There you go. Yeah. Bethel.
Is that the people? Bethel Tech's got programs. Bethel Tech has programs for the, I don't know if they're still an advertiser. They advertise with us for a while, but they're good people.
I'm reading with them. Yeah. And then you're crying, wife has to call us and say, help, please. Yeah.
That's how you're telling him. You play this back. It won't be pleasant for him. It's OK.
We're in the business of telling people the truth because we love him. And we want you to win. We want him to succeed. We want him 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. Just make minimum wage.
Not true. Well, correct. 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. Oh yeah.
That's a minimum wage is seven and a quarter. You don't have to pay a target if you just show up and breathe and bathe will pay you $20. OK. That's the qualifications to work at Target.
I don't think that's it. Bathe and breathe. That's it. You make $20 an hour and minimum wage is seven and a quarter.
So that you know you're not minimum wage. Create your free every dollar budget today. The simplest way to budget for your life.