Dave Ramsey, a 22-year-old named Emma and what not to say to parents (2024)

About a month ago, a dad came to Dave Ramsey for financial advice and mentioned the thousands (upon thousands) of dollars he was spending on child care. The radio personality said, "They're not even in school and you're paying $25,000 a head? Come on dude, that's just dumber than crap." Parents quickly tore apart Ramsey's response, saying they've been screaming at the top of their lungs – for years – that child care is too expensive and we need a solution.

"People like Dave, pretending that this isn't happening is wild to me because it is documented that this is indeed the cost of daycare," a TikTok user wrote in the caption of her response to Ramsey.

Then, this week, a 22-year-old named Emma on TikTok piped up with the fix: Stop prioritizing your career. Stay home! The reaction was swift. Scathing. "I'll just tell the mortgage company that we aren't prioritizing our careers anymore," a user clapped back.

USA TODAY reached out to both Ramsey and Emma for comment; the latter has since posted an apology video.

The rapid, raging rebuttals to these videos illustrate just how frustrated parents are feeling.

Experts say parents who are very bothered by this content may be better off channeling their energy into their (in-person) communities if they want to create tangible transformations and keep their mental health intact. The responses also serve as a reminder to content creators that if you don't share a community's lived experience, it may be best to mind your own business.

Dave Ramsey, a 22-year-old named Emma and what not to say to parents (1)

'There's not an easy fix'

The truth: Annual child care costs vary dramatically around the country. The average cost of school-age care in small counties runs about $5,000, while in very large counties the average cost of infant-age care is more than $17,000, according to Department of Labor statistics. Some states, however, are far worse. In Massachusetts specifically, for example, nearly $20,000 as of 2021.

Marla Brassard, professor emerita of psychology and education at the Teachers College of Columbia University, said the TikTok users labeling Ramsey as "out of touch" are "righton the money."

"People are trying to listen, but there's not an easy fix," says Robin Gurwitch, professor in psychiatry and behavioral sciences at Duke University. "And that leads to more frustration." And videos like this get "very triggering for many parents," says Regine Galanti, a clinical psychologist. They can especially sting when the comments come from those who aren't in the trenches as parents day in and day out.

As for Emma's suggestion to deprioritize your career: "Women have been dealing with this guilt for generations," saysAnna Marcolin, a psychotherapist and personal development life coach. "We feel guilty, many of us, even if we want to work, we feel guilty at times, leaving our kids home, whether with a nanny or having to put them in daycare. And it's OK to want to work."

Money and the social media vortex

It's easy to spout whatever you want on social media with little concern for the consequences. "We're happy to sound off on social media about our real feelings about each other with money," Marcolin adds. "And we don't even know who each other is." Who actually knows the financial difficulties families face?

If Ramsey's words in particular made your skin crawl, you were in good company. "If I'm watching something, and that's not my lived experience, then it can become very frustrating," Gurwitch.

Those frustrations could in turn harm your mental health – so it behooves you to take some action.

Feeling stressed?Tips for how to reduce stress in your daily life

'Back off and reserve judgment'

Brassard believes the TikTok user who rebutted Ramsey "is an excellent model of how to educate without escalating a misunderstanding." If these TikToks are bothering you that much, of course, you can always stop watching them. Plus, solutions exist away from phone screens.

Parents looking to take action beyond TikTok can take turns watching each other's kids attend community events and advocate for solutions to the child care crisis, Gurwitch suggests. Or maybe start a letter-writing campaign. "It won't change overnight," Gurwitch says. "But at least I feel like I'm taking an action." Without action, you might feel increased hopelessness – which won't do you any good.

That said, if you're not a parent but somehow feel the need to weigh in, do your research first: "Unless you have or recently had a preschool-age child you are likely to be ignorantof the current child care situation; things have changed so much in the past decade and even worse since the pandemic," Brassard adds.

Also, don't shame parents for their child care choices. "Back off and reserve judgment for why people are choosing to put their kids in daycare," Marcolin says.

The bottom line here: Don't post without concrete knowledge. You'll save yourself – and viewers – many a headache.

In case you missed:Kourtney Kardashian, Travis Barker welcome baby. Let the attachment parenting begin.

Dave Ramsey, a 22-year-old named Emma and what not to say to parents (2024)

FAQs

Dave Ramsey, a 22-year-old named Emma and what not to say to parents? ›

Dave Ramsey, a 22-year-old named Emma and what not to say to parents. About a month ago, a dad came to Dave Ramsey for financial advice and mentioned the thousands (upon thousands) of dollars he was spending on child care. The radio personality said, "They're not even in school and you're paying $25,000 a head?

Is Dave Ramsey a billionaire? ›

Is Dave Ramsey a Billionaire? No. Recent estimates show that Dave Ramsey has a net worth of around $200 million.

How much money does Dave Ramsey make? ›

It's difficult to know a private person's exact net worth – but best estimates put Dave Ramsey's net worth at a hefty $200 million. His real estate profile is reported to account for $150 million of that total. The host of the Ramsey Show initially made most of his money in real estate.

What is Dave Ramsey's wife's name? ›

Personal life

Ramsey married his wife Sharon in 1982, and the Ramseys have three children, including Rachel Cruze. All three work for Ramsey Solutions. With Ramsey, Cruze co-wrote and published the New York Times No. 1 bestseller Smart Money, Smart Kids in 2014.

Who said live like no one else so you can live like no one else? ›

Quote by Dave Ramsey: “IF YOU WILL LIVE LIKE NO ONE ELSE, LATER YOU CA...”

How much does Dave Ramsey retire for? ›

When it comes to saving for retirement, money expert Dave Ramsey knows exactly how much you should be setting aside. Ramsey's recommendation, which he shared on his website Ramsey Solutions, is to invest 15% of your gross income into your 401(k) and IRA every month.

What should my net worth be at 40? ›

Average net worth by age
Age by decadeAverage net worthMedian net worth
30s$277,788$34,691
40s$713,796$126,881
50s$1,310,775$292,085
60s$1,634,724$454,489
4 more rows

How much does Dave Ramsey say to have in savings? ›

Ramsey's general recommendation in his Baby Steps has long been to start with having $1,000 saved in a starter emergency fund. If you earn under $20,000 a year, the post on Ramsey Solutions said you may adjust this amount to $500.

How much of paycheck to save Dave Ramsey? ›

Eventually, your goal is to have 3–6 months of expenses in a fully funded emergency fund and at least 15% of your gross pay going into retirement savings. (These are part of the 7 Baby Steps, aka the proven method to saving money, paying off debt, and building lasting wealth.)

Did Dave Ramsey go to college? ›

Throughout high school and into college, Ramsey continued to work hard and earn his own money. He passed his real estate exam right after high school and worked upwards of 40 hours per week during college to help pay tuition. He graduated from the University of Tennessee with a degree in finance and real estate.

What is Chris Ramsey's wife famous for? ›

Alongside husband Chris Ramsey, she co-hosts the comedy podcast Shagged Married Annoyed (2019–present) and the BBC chat show The Chris & Rosie Ramsey Show (2022–present). Her solo projects have included an appearance on the game show The Wheel and being a contestant on the Strictly Come Dancing 2022 Christmas Special.

Who did Rachel Ramsey marry? ›

What happened to John Ramsey's wife? ›

Ramsey married his second wife, Patricia (Patsy) Paugh, in 1980, with whom he had two children, Burke and JonBenét. Patsy died of ovarian cancer in 2006 at age 49. After his wife's death, Ramsey met Beth Holloway, mother of missing Natalee Holloway. It was reported that the two began dating.

What is Dave Ramsey's famous quote? ›

If you will live like no one else, later you can live like no one else.

What is one quote to live by? ›

If you can't fly then run, if you can't run then walk, if you can't walk then crawl, but whatever you do you have to keep moving forward.”― Martin Luther King, Jr.

Whose quote is you only live once? ›

“You only live once, but if you do it right, once is enough.” - Mae West.

Was the Ramsey family rich? ›

His father, Real Estate Developer Ramsey Ramsey, and his mother, realtor Sylvia Ramsey, weren't people of enormous wealth. As for his siblings, Dave has a brother named Scott Ramsey. Dave's rise in life is quite the rags-to-riches story, stemming from his sheer determination and passion.

How many millionaires did Dave Ramsey study? ›

For the ten thousand millionaires we surveyed, it was the point in time when the person woke up and realized they could become wealthy and could set out on a sacrificial plan to get there.

Who is the richest guy in real life? ›

Bernard Arnault, the richest person in the world, is the CEO and chairman at Moët Hennessy Louis Vuitton (LVMH), the world's largest luxury goods company encompassing approximately 70 renowned fashion and cosmetics brands.

How many millionaires did Dave Ramsey interview? ›

Dave always likes to brag about the research survey they conducted of the "10,000 millionaires" they surveyed... But the "full study" and the press release they have on their website do NOT constitute as actual research. I want to see all 10,000 entries that he brags about.

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