Outspoken finance personality Dave Ramsey has ignited a heated debate on TikTok after describing the decision to pay substantial amounts in child care as "dumber than crap."

Ramsey's remarks came in response to a Philadelphia dad named Dave, who sought advice on managing his family's finances while his wife completed medical school.

"Are they going to Harvard?" Ramsey asked, astonished at the costs. "They're not even in school and you're already paying $25,000 a head?"

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Dave revealed he pays $80,000 a year for his kids' daycare, which includes before and aftercare plus the cost of hiring a nanny in the summer. "It is a pretty fancy daycare," he admitted.

Ramsey's co-host, Jade Warshaw, suggested, "There's cheaper routes. You can downgrade." However, the clip of the interview, posted on TikTok in January, left viewers unconvinced, leading many to label Ramsey "out of touch."

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Users expressed frustration over Ramsey's comments, highlighting the unrealistic nature of his suggestions. "Can we have Dave look up daycares on his show and post a video showing his reaction to the cost of average day cares? He has no clue how expensive they are," one user said. Another sarcastically commented, "A free summer camp??? Where in the world is that?"

While spending $80,000 on day care may seem extreme, it highlights many parents’ financial challenges today. Ramsey's response has sparked a broader conversation about the realities of child care costs in the U.S. and the importance of seeking personalized financial advice. Consulting a financial advisor might help families find more practical solutions for these high expenses.

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