Dave Ramsey is caught off guard by the exorbitant cost of daycare when caller asks for advice

"I mean, are they going to Harvard?"

cost of childcare; child care prices; child care crisis; Dave Ramsey daycare; parents respond to Dave Ramsey
Photo of Dave Ramsey|Gage Skidmore via Wikimedia Commons – Photo of daycare|Yan Krukau via Canva

Financial expert Dave Ramsey caught off guard by today's cost of childcare

Dave Ramsey is a financial guru who is famous for creating the "envelope method" to help stay on a budget and pay off debt. Churches across America have had him come in and help their congregation with becoming debt free, so it's safe to say he's built a solid following.

People generally find his advice really helpful and swear by his methods. But in a recent episode of his podcast, The Ramsey Show, it would appear the price of daycare in America might have proven to be a bit out of his depth. A caller sought Ramsey's show out for help to figure out how to save money as he and his wife have found themselves in a cycle of borrowing money to make ends meet.

Ramsey is confused when he learns the caller makes approximately $180K a year but the confusion turns to bewildered when the man explains childcare eats up $80k annually.

Once the man adds in student loan payments, mortgage and basic living expenses, the couple struggles. Ramsey nor his cohosts seem to understand how or why the family pays that much for two children to attend daycare. The financial guru even tosses out that the couple should "find free summer camps." Ramsey's suggestions were so inaccessible that parents flocked to the comments to tell him that he may need to sit this one out.

The cost of childcare is directly related to the cost of living in the state in which you reside. Generally childcare is cheaper in southern states, but even though this is true, daycare for my child averaged just under $14K per year in the state of North Carolina. This wasn't the fanciest daycare in the small town we lived in at the time, but it was safe and developmentally appropriate, both things that were important to me and my husband. The price tag was also for one child and did not include extended care hours.


This couple is spending $80,000 a year for child care. #childcare #daycare #moneytok

But the caller needed extended care and was paying for two children to attend the childcare facility. A 2022 annual report from Care.com reveals that 67% of parents spend 20% or more of their household income on childcare costs. This is staggering when compared to the 7% the US Department of Health and Human Services says marks the affordable threshold.

Care.com ranked Washington D.C. as the most expensive place for daycare, parents of infants pay about $419 per week for one child, while in Arkansas, parents can expect to pay $129 per week for daycare. The idea of free summer camp would be laughable if it wasn't something families desperately need. But Ramsey must not be aware that there isn't a such thing as free summer camp unless you qualify for a low income subsidy program. The lower cost summer programs are still pretty pricy, especially if you have more than one child and others only offer child care for a few hours.

It's no wonder parents had a lot to say, some making their own videos to show the financial consultant exactly how parents spend large quantities of money on childcare.

"Dave Ramsey should get on three-way calls with childcare facilities to find his callers cheaper alternatives," one person writes.

"Free summer camp?! Where? We even had to pay a few hundred for half-day day camp at the YMCA for my kid," another commenter questions.

"I’m in Massachusetts and the average around us is $400-500 per kid per week for full time daycare. It’s not affordable," one mom explains.


There is a childcare crisis in our country. The cost of childcare is astronomical. The cost of childcare is typically the biggest financial burden for a family with young children. The cost of childcare is rising at a faster rate than any other expense for families. 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. Dave should not be giving advice unless he’s well-versed in the topic. ##daveramsey##childcarecrisis##childcare ##daycare##daycarelife##millennialmom##workingmom

Paige, a mom that lives in Massachusetts took to social media to explain that it did in fact cost $20K-$26K a year in her state to send a child to daycare. In the caption of her video she explains in part, "There is a childcare crisis in our country. The cost of childcare is astronomical. The cost of childcare is typically the biggest financial burden for a family with young children. The cost of childcare is rising at a faster rate than any other expense for families."

Maybe this is news to Ramsey, but to people raising children outside of rural areas, the cost of the caller's childcare makes sense. There is a childcare crisis in America and many parents are finding themselves in an insurmountable hardship with seemingly no end in sight.

Pop Culture

Two brothers Irish stepdancing to Beyoncé's country hit 'Texas Hold 'Em' is pure delight

The Gardiner Brothers and Queen Bey proving that music can unite us all.

Gardiner Brothers/TikTok (with permission)

The Gardiner Brothers stepping in time to Beyoncé's "Texas Hold 'Em."

In early February 2024, Beyoncé rocked the music world by releasing a surprise new album of country tunes. The album, Renaissance: Act II, includes a song called "Texas Hold 'Em," which shot up the country charts—with a few bumps along the way—and landed Queen Bey at the No.1 spot.

As the first Black female artist to have a song hit No. 1 on Billboard's country music charts, Beyoncé once again proved her popularity, versatility and ability to break barriers without missing a beat. In one fell swoop, she got people who had zero interest in country music to give it a second look, forced country music fans to broaden their own ideas about what country music looks like and prompted conversations about bending and blending musical genres and styles.

And she inspired the Gardiner Brothers to add yet another element to the mix—Irish stepdance.

Keep ReadingShow less

Should we wear shoes in the house? Experts weigh in and turns out we should stop immediately.

It's a common practice in the west that may be grosser than we realize.

Experts seem to agree that shoes shouldn't be worn inside

Growing up nearly everyone knew of one house that didn't allow people to wear shoes inside. It didn't matter if you accidentally wore your socks with the hole in them, there were no exceptions–shoes off. For many folks it was just seen as a quirk for that particular family and there wasn't much thought given into why they were adamant about enforcing the rule.

But it turns out that wearing shoes inside is more of a western culture thing than a global one, which makes Americans a minority in keeping outside shoes on while inside the house. It would seem that other countries may have had a bit more of an understanding on why it's a bad idea to wear shoes inside.

Common sense tells us that wearing shoes inside means you'll be sweeping and mopping more often than you'd like. Of course you track in dirt but there are apparently hundreds of bacteria and fungi that you're tracking in that can cause your family to get sick.

Keep ReadingShow less

It's rare enough to capture one antler being shed

For those not well versed in moose facts, the shedding of antlers is normally a fairly lengthy process. It happens only once a year after mating season and usually consists of a moose losing one antler at a time.

It’s incredibly rare for a bull moose to lose both at the same time—and even more rare that someone would actually catch it on film.

That’s why shed hunter (yes, that’s a real term) and woodsman Derek Burgoyne calls his footage of the phenomenon a “one-in-a-million” shot.

Keep ReadingShow less
Photos by Daniela on Unsplash (left) and Rens D on Unsplash (right)

Peeling garlic is notoriously challenging.

If you ever cook with fresh garlic, you know what a challenge it can be to remove the cloves from the skin cleanly, especially if you're starting with a full head.

There are various methods people use to peel garlic, with varying levels of success. Doing it by hand works, but will leave you with garlic-smelling fingertips for the better part of a day. Whacking the head on the counter helps separate the cloves from each other, but doesn't help much with removing the skin.

Some people swear by vigorously shaking the skinned cloves around in a covered bowl or jarred lid, which can be surprisingly effective. Some smash the clove with the flat side of a knife to loosen it and then pull it off. Others utilize a rubber roller to de-skin the cloves.

But none of these methods come close to the satisfaction of watching someone perfectly peeling an entire head of garlic with a pair of tongs.

Keep ReadingShow less
Modern Families

‘Hard pill to swallow’: Mom shares why some adult children don’t talk to their parents

"How your kids treat you when they are no longer in need of food and shelter, is a direct reflection of how you made them feel when they needed you to survive."

Parent and child deal with the pain of estrangement.

Even though humans are biologically hard-wired to form strong attachments to our parents, in many cases, these relationships become estranged as the children age. A recent poll found that nearly 1 in 4 adults are estranged from their families.

Six percent are estranged from their mothers and 26% have no contact with their fathers. It’s believed that these days, more children are comfortable distancing themselves from their parents because it’s good for their mental health.

“I think it relates to this new desire to have healthy relationships,” Rin Reczek, a sociology professor at the Ohio State University, said, according to The Hill. “There might be some cultural shifts around people being allowed to choose who is in your family. And that can include not choosing to have the person who raised you be in your family.”

Keep ReadingShow less
Pop Culture

Loretta Lynn's granddaughter wows 'American Idol' judges with raw original song

Emmy Russell's original song "Skinny," featuring lyrics about body image and eating disorders, nearly brought everyone to tears.

America Idol/Youtube, Promotional image of Loretta Lynn/Wikipedia

Emmy Russell (left) and her grandmother Loretta Lynn (right)

Emmy Russell, granddaughter of country music icon Loretta Lynn, proved that she was an artist in her own right during a recent episode of “American Idol.”

The 24-year-old singer-songwriter from Nashville auditioned in front of judges Lionel Richie, Katy Perry and Luke Bryan during the show's Feb. 25 episode, during which she opened up about wanting to not live in her grandmother’s shadow.

"She's one of the biggest country music singers of all time, but to me she's just Grandma," she said, adding "I think I am a little timid, and I think it is because I want to own my voice. That's why I want to challenge myself and come out here."

Keep ReadingShow less