‘Do you hear yourself out loud?’: This 20-year-old from Atlanta asked Dave Ramsey for advice on moving in with her boyfriend. Here’s why Ramsey called him a ‘deadbeat’ and told her to ‘run!'


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‘Do you hear yourself out loud?’: This 20-year-old from Atlanta asked Dave Ramsey for advice on moving in with her boyfriend. Here’s why Ramsey called him a ‘deadbeat’ and told her to ‘run!'

‘Do you hear yourself out loud?’: This 20-year-old from Atlanta asked Dave Ramsey for advice on moving in with her boyfriend. Here’s why Ramsey called him a ‘deadbeat’ and told her to ‘run!’

Nearly 2 million new households are formed every month across the country. Moving in together and starting a new family is a big move for most young people, but the risks are much higher if the couple is financially unprepared.

That’s the situation for 20 year-old Maggie from Atlanta. On a recent episode of “The Ramsey Show,” she described supporting her unemployed boyfriend and his child while earning a modest income. She’s now considering moving in with them.

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Dave Ramsey was stunned.

“Do you hear yourself out loud?” he asked. “Listen to yourself — I’m going to move in with a guy who has a 1-year-old and doesn’t work and I’m supposed to take care of these people.”

Unemployed or underemployed

Most Americans aged between 15 and 24 hold down a job, but Maggie’s boyfriend counts himself among the 8% of his demographic who doesn’t (based on the Federal Reserve’s latest data.) She says he’s waiting to join the fire academy to eventually become a fireman, but has been unemployed for roughly eight months in the interim.

His joblessness has persisted despite the fact that he has a 1-year-old child. Maggie, who earns just $2,300 a month as a medical records processing specialist, has been supporting them both. She only has a high-school diploma so her career options are limited.

Nevertheless, she’s still contemplating moving in with her boyfriend and his son.

Her income isn’t enough to sustain such a move, however. Median rent in Atlanta is $1,933 a month, according to Zumper. That’s roughly 84% of Maggie’s monthly income. Even a one-bedroom apartment in the city costs $1,673 a month, which is still unsustainably high for her.

She believes her lack of education is holding her back, but co-host John Delony is convinced she can boost her income without a college degree. “I live in rural Tennessee, I saw a sign the other day that said McDonald said $20 an hour,” he says.

Indeed, blue-collar work is increasingly appealing. The Wall Street Journal recently reported that blue-collar workers saw faster wage growth than white-collar workers for the first time in decades, from 2021 to 2023. Fast food manager roles at some In-and-Out outlets pay six-figures, according to CEO Lynsi Snyder.

Maggie has the potential to work multiple jobs or side gigs to boost her income and make her next move possible. As for the boyfriend, Ramsey and Delony don’t see a bright future ahead.

Read more: Thanks to Jeff Bezos, you can now cash in on prime real estate — without the headache of being a landlord. Here’s how

Challenges ahead

Maggie’s boyfriend’s unemployment is contentious. “Why is he sitting on his butt?” asks Ramsey. Delony, meanwhile, isn’t optimistic about his career prospects. “I can almost guarantee you he’s not going to the fire academy,” he tells Maggie. “You know how I know? Firemen don’t live like that!”

They advised her to “run, as fast as you can,” away from the relationship and the situation. “Your mama didn’t tell you [but] if you were our daughter we would get rid of Mr. Fireman,” Ramsey tells her.

“You’re being preyed upon,” Delony says, describing her boyfriend as a “deadbeat.”

And Maggie may well be better off financially in the future without a partner living off her spoils. Ramsey himself has advised callers in the “painful” situation of being out of sync many decades into a relationship. And for focused single women, the future is bright.

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This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

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Alexandra Williams
Alexandra Williams
Alexandra Williams is a writer and editor. Angeles. She writes about politics, art, and culture for LinkDaddy News.

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