I Spend All of My Money on Marijuana and Food!!

[Music] valerie is in chicago hi valerie welcome to the dave ramsey show hey dave thanks for taking my call today sure what's up so um all right i'm 24. i am almost going to be 25 in two months i make 60 thousand dollars a year at a job i completely 100 percent hate um i have no savings i was paycheck to paycheck and i have several addictions that hold me back and cause me to take out cash advances to the point where i am a thousand dollars in the hole every time my direct deposit hit um i've been a chronic marijuana smoker for oh like seven years now and i have been basically eating straight up ubereats and doordash for like every meal i mean i haven't cooked a meal you smoke a lot of pot and you're hungry all the time who knew oh my god only on the day like something happens between the hunger pang and the like i just black out and then there's a transaction and someone's at my door and it just happens every time and i just can't i can't seem to get a handle of of just i don't know discipline and i want to grow up so bad and yet i want a certain life for myself and i just feel like i'm constantly carrying around all of this like shame and guilt because i just can't seem to get it together and i know what i have to do but i just don't know how to start valerie um before we talk about you know this i have one quick question because you're saying you're in a whole a thousand dollars a month what what kind of debt do you have payday lender you said well okay so i have general debt like i have a car repossession and stuff like that and a couple medical the debts that are like ten thousand but um i when i say a thousand dollars in the hole i mean i have like 10 applications installed on my phone where i can get a cash advance like instantly right and so i literally go one by one down the list and i just do whatever i need to do to get the next you know bag of eater meal or whatever here's the thing i want to say and then i and we know you know dave is going to chime into as well but i want to i want to commend you for at least admitting the first step to anything to moving forward is admitting and acknowledging the fact that you have a problem and you you came on the show and you said that uh the second part of that is though uh dave and i can't give you discipline you can only give yourself discipline and as i listen to you one of the key things that that i hear we can give you the practical steps on how to get out of the situation that you're in but it's so much deeper than just that there's so much it sounds like you don't have a reason deep down inside of yourself to why you need to stop and why you need to make a decision so you keep going back and back and back into it because there's there's nothing deep down saying stop there's no reason why that when you feel like getting another bag of weed when you feel like getting uh some more food when you feel like going and doing this nothing can stop you deep down and so i wanted i want to encourage you not giving nothing practical today i want to encourage you to spend some time today to really sit down and ask yourself why why do i want to give up smoking why do i want to give up this and ask yourself that five times and by the time you get to the fifth answer you should be in tears you should be emotional that why should make you cry and that why will push you through the price and commitment of what it's going to take to stop smoking to stop living a life of not having discipline and that's one thing that i would encourage you i never had a smoking problem but i did have the eating problem i did have the chasing ladies problem you know and i had to really develop a wise so you know what i'm tired of living this life and i'm tired of leaving this life because i want more for my kids want more for my future and that why push me through of saying no okay so i really wanna hear you you know i mean and i want to say so much more about that the only time people change on anything whether it's um you know eat a bag of oreos um whether it is um any any just pick a destructive habit that we all have destructive habits or destructive tendencies the only reason we ever stop doing them is when the pain of where we are the disgust with the person in the mirror becomes so great that that pain is greater than the pain of change because changing is always painful agreed yeah it's very painful yeah not doing things the way you've done them and radically uh detoxing your body getting on an exercise program eating healthy uh obviously stopping the drugs uh all of those things are are you know doing anything that's different than the way you've been doing it even if the way you're doing it's destructive is is painful to change and only when the pain of same the pain of where we are is great enough and it doesn't have to be a it doesn't have to be an external pain it doesn't have to be the doctor says if you don't stop this you're going to die now that would be an example when we go okay i'll stop it right i don't want to die but it can just be what i heard in your voice as you were describing this was um when you're in this uh uh this loop you don't like you you don't you don't respect you don't respect yourself i'm not i i mean you just you know what i'm saying i mean like you if you were it's almost like you were outside of yourself looking in and go you know this chick smokes weed and orders you know orders everything in sight has no money and it's in a chaotic life i don't know who this woman is and you're looking like you're looking in from the outside and i heard that kind of disgust in your voice didn't i it's there for sure and i'm not trying to shame you i'm saying that can actually be a building block and you go you know what yeah i'm sick and tired of being sick and tired les brown the great motivator and you can look him up on youtube he's fun to watch um says people change their lives when they finally say that's it i've had it and anthony's right i can't do that for you i can just believe in you that when you do that you're going to see a tremendous change but it does come i like it i like his suggestion best of all we need to have what is a really good reason for you to break this cycle to be honest i watch a lot of videos about entrepreneurship but i know that if i can't even handle my food bill i can't handle capital or people okay there we go yeah i like that i want to start my own business and until i get my crap together i'm not going to be able to do anything at that but fail that's what you just said right that's exactly what i said yeah and so there's a good why yeah i'm gonna clean up my crap here so to clean up my life so i can start my own business and be a successful entrepreneur because i want that more than i want to sit and watch netflix reruns and order uber eats and smoke a joint yep and then ask yourself why do you want that business yeah why is it why is it you want to run your own business that's a good question i think that i hate your job i work i work in like healthcare like finance and i feel like a cog in the machine i've wanted something more meaningful for a long time yeah i want to do something where i can actually help people and do something that matters yeah did you just say that that's exactly what i said that's a good why that is a that's a good reason to straighten up your crap girl i like you you're awesome call us back tell us how you're doing okay hold on we're gonna put you into ramsey plus and help you with the money stuff but you won't fix that till you fix the other stuff either but we're gonna help you anyway hey call us back and let us know how you're doing this is the dave ramsey show

Channel: The Ramsey Show Highlights

Views: 463,137

Keywords: the dave ramsey show, budget money debt cash, real estate, insurance, how to make money, dave ramsey, save, credit card, compound interest, buying house, buy, snowball, I Spend All of My Money on Marijuana and Food!!, marijuana, save money, food, saving money, how to save money, money, advice, problem

Id: KJQDch6C4MM

Length: 8min 28sec (508 seconds)

Published: Tue Feb 02 2021