From the headquarters of the lambs resolution broadcasting from the dollar marginal studios. It's that day, Ramsay show what that is down. Cash is carrying out more than the blaze of the double your status symbol, Reggio grooms, Ramsay version Outing number one by showing offer my daughter's my co host about here. Only open phones, a triple I ate two five, five, two to five. That's triple eight, eight to five five, two to five

It was in Fort Worth Texas, I Dave. How are you, Mr Andria, doing fine? Thank you for asking per year your time guy, both those mine we'll make it good. I mean I want to spend outlined here is greener and fifteen thousand dollars. Well, it does yeah doubles every ten years and of course, like every every other normal I guess, Billy American! We have that bad debt. we will hundred fifty honour house. We have eight thousand dollars in a credit card we stood basically totalled ought to be an almost three hundred thousand, though that would leave about a hundred and fifty years, though, in the accounts

but the thing is, we want to use it for a retirement because we can get more out of that them again. My retirement at work, though I was wondering you would endorse the idea of instead of paying off the out. Of course, repair offer the other day that does not pay that off, but the pain of the house we put fifty down on the have been reached by to a lower rate, and then we just, only paid at all ever gonna get paid off. When I get paid off, how are you deaf Heinz? Thirty three, my wife is twenty six men beautiful years and we as all away related each other's the death of one one question that. Figure out where you're, ok, yet very, very excited now show who passed away and left?

money. It was her grandma and her dad had her granddad. It was really get with money and may left it to her, which of course, me marrying her. She found it over and above our name and now here now can show numberless back up a second. It is an investment doubles. There's little nuance in mathematics call the rule seventy two hours and if you are, if you divide the rate of return,

from your investment into the number. Seventy two until job and a double show every tax. If you put, if you say, I got ten percent on my money, your money would double every seven point two year. So, if you're telling me it's doubling every seven years that me out of every ten years than that tells meets in the US that at seven percent a theory that that make them that's what that tells me so number once not doing really great in an investment there in good graustark mutual funds. You should make considerably more than that of investor that the way we taught you, but so the question is not what I would endorse. The question is what what causes you guys at fifty to be in the best financial condition, to have the most possible money which of these strategies and that's the way we look at it right, Gavin, it's the massive setting. You that's up well in the future, so

What I would do, if I woke up in your shoes, is, I would pay everything off, and I would hope that the fact that you have no payments to become an aggressive investor them and shout MAX out all my retirement accounts for one case, I raise anything I can do do some other. Firstly, I would increase my generosity, the doubts that the problem with that idea is you, you and your wife have handled money horribly desert, and if you keep doing that after you pay off everything you're going to wake up a fifty back in there Yes, if you keep making the same stupid but decisions now, I used to make stupid, but decisions attack and recognize them, because I got a phd in stupid answer. Phd in. Do you and be right know what it feels like? So the problem,

as you have to change your behaviors as part of this advice or the advice is wrong. If you're gonna continued antimony like you're, going to continue to handle it, I would recommend staying in debt that way you won't get further and that in all, but if you'll do right and take those all house payments and all payments that you don't have any more and use them. the grow, then you're gonna be fine. That's what I would tell you to do and then I think that like Grannie smile, grandpa, smile from Heaven and say: hey these kids that and they are on a budget and there never. They raise your right hand, put Brandon there take a tattoo whatever you want to call. It were actually never. Never, never, never will dishonor my grandmother, grandfathers memory by going into debt again, because I, u, because I'm misbehaved yet cause, there's a process that you are right and when you go through baby step to and you ve made your decisions,

you in your family are in debt to work the progress in the programme to get out of it, their sacrifice involved and through that sacrifice. Georgia people at the end of it. I never again I've made it through of of treads through this problem, and I'm done I'm never looking back for you guys, you guys were handed a gift Dave and I thought a bad thing. I don't think that that's wrong, no at all and that's a blessing, but exactly to your point, the reform. that people had through that process. A baby step to you guys are skipping Matt and again, not bad, but recognising an understanding that the yes, those habits that you guys have had have to break. You have to change the way, your viewing money and you you and your wife sitting together in doing that, it is on the more technical side of it. You guys are young, and so the whole idea of the retirement plenty of time plantings money, for that is what I wished for How do you make you were thin man? That's right! That's right! So pay in everything off. There's this levy, like you get you get a free to not everyone gets like, but get

free jail card. You did and so use it properly. Get rid of everything are all the debt and then you guys together, continued the plan and then that money that was left it growing you they will continue to contribute more, don't I I worry in your shoes, that's what I would do, but I be so afraid of myself because of what we're doing? about of our new. I might even like ride out your type it out on you you're printed out a contract with myself, and both of you sign it that, because We did this in order to honour the memory that this inheritance comes from. We're we're pledge To always do a budget. We are pledging to always live on less than we make. We are pledging always be generous. We pledging to never under any circle. Dances for any reason ever borrowing again and write it out and both of you sign it, and and then, if you ever get like

whereby we need a better car and you start whining and you start, then you get that piece of paper back out and new New because if you don't do that, so let's do this. I'm I'm going to give you a gift to go with inheritance. Is a year's subscription to Ramsey, plus the two you go through? the contribution of our city, the two. you get on your every dollar budget and white sixty to do anything with this money just park it to the Sab than like you, don't have it and do the stuff sixty days and you can give yourself the confidence that are going to change to this. I promise Do it to myself thing are you want to know that I want no screw the shop. If I were you

Does that ever amnesia? Do you have student loans. I need you to tune in right now and listen. I've been telling you to refinance your loans were splash, financial. Here's! What I don't understand, many of you who have been pre qualified the reef and answer student loans to better rates have not finished your dad gum applications. So this is simple finish it you could safe. thousands and you pay nothing to refinance, go back to splash financial, dotcom slice, Ramsay, that's how they know you're one of my listeners, splash financial, dotcom, Slash, Ramsay,

retrograde rooms, you personally number one best selling partner. Is my co host today you're only an author of the new book coming out in January? No yourself, no, your money discover why you handle money? The way you do and what to do about it figured out is that Socrates was right, know thyself. the unexamined life is not worth living and for thirty, We ve been telling people that eighty percent, that personal finances, eighty percent behaviour, twenty percent- had knowledge and we ve touch all the head knowledge during that time. Occasionally we deal with some of the behavior things and make sure that your adjusting your behavior transforming Rachel decide to get under the hood and say I, what does it take part,

We understand who you are because if you do than you can say it, I need to be the best version of that. That's exactly, so walking through you know understanding not just who you are really. Is it's your upbringing? How you're how your childhood classroom, if you will influenced how and why you handle money the way you do today, your money, then Caesar money fears your money dreams Even the amount of grace that you gave her money mistakes happen. Sexual relationships within the whole part of who you are standing that ETA. That allows you also to have the empathy for others in your life if you're married. So hopefully this book feels things you, oh that's, my spouse does the things he does or she does and you we can understand the person is when you understand you more, you can become if your version of that which helps you create better money habits and when with money faster

large scratching the servers years ago. We should ok some of your merge, some of your free spirits and usually there's one region, a marriage. She you wanna, be a healthy version of a nerd which is the deep. Fail administrative thing, but not the overbearing control freak and would be a healthy version of the free shipping. which is a personal, enjoys life, but does it sure. Why were you not destroy the entire families finances, and I wish scratching service where that years ago, but you ve gotten down into scarcity in abundance in safety versus status and quality versus quantum Tea, which is one I had not really thought of. That's an it responds got Durham his request, causing a buck. You get, in the book. The where wrote it out was that there's there's a scale. Basically, you kind of put yourself on the scale between the two, so savour versus spender. Where are you on the scale me yet offer, but turning his price present for some people, I wrote assumes a meet you there. I owe you love. You teach about money so

you love to save my love to save one's political flavour, insurance savour. Naturally, now I'm a good savour because I've learned. It is the shortest method to spur and to be more generous. Yet I can't I can't give money away from broke- and I like you too, idly way more or less spent on again extremes on. On all. These scales can be unhealthy so that the the moderation is key, but you lean one where the other great scarcity verses, abundance of bondage, meter Armenia with the same person, safety versus status and what this is as meaning though, why you want to know why do you want to win with money for some people? It's completely out of safety? I don't have to worry about it. It's there, I'm ok! Some people want it in one or two little fun life to go on vacation, status. Isn't bad if, like some people read, the status is not bad, there's an unhealthy version of it, but it's so that I can enjoy life

going vacation. Maybe try the fun car like. I want to use it for things in my life versus it just being there that I'm ok, so that that would often be the safety would be. The shaver this would be the splendor wouldn't sometimes away. I mean I three of opposite options: more say in my language that we too ok, quality, o versus quantity quality and corn de? I would rather have like twenty pairs of hearings. Letter lot. You get land dollars into the cash go twenty two pounds of peanut butter. Yes, I loves yes, I like having more stuff versus like one night, a pair of shoes. I'd rather have ten that are like the hookah damp. Not. I have two questions you

quality, your research and by the best of the best, even if it's just one thing to have the one. I've got a paragraph by boats that I've Adsense college, but their top line on every shoulders. Radon gap but they're they're not aware that broken in the perfect, but obviously they had the ability to last thirty, so marked year's spring, and so they were quality boots and it also that's fine and I'd rather were then the movements Brigham recommend when you spend money. Is it more on experiences or things do both are probably the middle on them ok, you're inexperienced dahlia, no question gimme, a nice dinner out skimming vacation go to do with the kids, like our government to do stuff versus haven't like a thing your mom's visit on things, Yet all she does Bobo cause she's like any of you. What I would now can do both way out here do both now, but this was a good one for our safer Mean Winston, because for the first by two or three years

marriage avoid that our budget and all this I just valued, are out category I was there. I love going out to eat and he always if we win, especially at the beginning of marriage, I always get a water and am I don't drink, had a drink legacy, like music. Nor now is so expensive, like this fight is fine on like this I enjoy that whole experience where he again would buy. Something like I used to pilot light made no sense, but finally, we have the communication around that I pinpointed as I ah that your value arise. Where you spend money on that's what it is, fill a gap plans giving versus spontaneous giving. Well. This is a brain virtues, unnatural, my natural brain or his heart about my my natural response spontaneous and yet the vast majority of our giving his very planned. we even planner spontaneity, so we have categories and the remedy found family

invasion that just money just sitting there. So if something comes up weaken our single, need some help or something that pops up we're we're opportunity through the legal system to help a family that was messed up beyond belief that today and we will we had the money, so we plan to be able to be so it's I don't know, but it gave it personally just woken up. Given somebody from I'll leave a large tap that formation respond, Sputnik spontaneous, and I guess it is from spontaneous getting yap- mind spontaneous tail out here. It's like this. It s an amazing organization, it down. We will give tee we'll give to you for the rest of our lives, because I like that, I just want to help and like it's amazing, central. Actually, someone else, that's right. So those are the ceremony tendencies as part of the book and breaking down the the bad, the ugly of each one, some road box like a head for you, depending on where you live on the scale. Bites

having those in the back of your mind, helped you understand. This is why I do something to do with money. What we have Ramsay and what you ve really clarified and put not put along work around is that the biggest ob the gulf between where you are to day and becoming wealthy is not opportunity. It's not your income, it's! U controlling you and you understanding. You helps you control you so that you can win the problem with my money, so personal mummer, which said that for years What you're doing here, who is to say? Ok, if I may be an urgent need to be a healthy learn that won't kill my free spirit that I'm married to you know and running the dirt and used turn thy remedies, memento catchword all those kinds of things, and so no self know your money, we're throwing in over a hundred fifty dollars where the free stuff, when you pray order right now, including

For a short time longer not very much longer a free financial coaching call if you pray order the book where they Ramsay preferred financial coach. had invented out where the free stuff, including the audio book that she's in the process of reading this week, literally the e book, and of course we will ship you. The book Well, you can get it all day, Ramsay dot com or you can call the rim concierge team, eight hundred and eighty eight two hundred and twenty seven three thousand two hundred and twenty three very workable for you show. The thing is that if you're, not careful, you end up with your beer money problems aren't real. Problems there, though the symptoms, the real problems or under the surface, and if you walk on a money problem, it'll pop up somewhere else, it's like whack imo, Yo Yo, you! You won't believe it until you get down,

the red- and you say: ok, that's, what's going on we're, not communicate about the gas water can't get our budget you're, always screwed up our savings account things. Actually I get your money. Problems are usually masquerading as life, huge problems underneath the surface, so you go and say: ok, it's not that my space can get on board because, while we have some marriage issues here, we're not trusting each other, not communicating. There's lots of other stuff get under that surface yourself, money some enlargement! This is that I ran future

the lobby of randomly solutions on debt three stage. Scott Aragon are where this guy's a warrior idea power. You re welcome! So have you already all live with said, a Grand Rapids Miss get all fond. Welcome to Nashville all the way out here to do that very scream. How much are we paid off a little over sixty three thousand dollars stood for you. How long did it take twelve months? Are right, range of encounter in the time around forty six, to little over two hundred wow what in the world. So what kind of debt was sixty? Three thousand credit cards and student loans? Okay, so what happened in twelve months ago and what the flip happening here as well as Scotland, dating in early two thousand a team

and by about date, for he mentioned this guy named De Ramsay, like the real romantic. I almost got. We had to listen to something we need some kind of throughout the year we attacked a little bit about finance S. Finances have always been cannabis or subject for me personally, just having a lot of that working in a sixty plus hours a week and feeling like I'm not getting anywhere and just the same old thing I'll, let you hear everyone they towards the end of two thousand eighteen Scott paid off his house. Ninety eight thousand dollars in one year and off the croquet, this weird! No I'm at thirty two has a house. They paid this is marriage matter, though, does a keeper yeah so much so he gave me tunnel wanting make over for Christmas.

Goody Lady, you just keep on the visa, so it was two thousand nineteen that I finally got serious. You came to our church in February, nineteen for smart money, and so like. Ok, I know everything that's going on. I had read the book. I had to

president, so like ok, I'll start, and so that was February, two thousand and thirteen at the time we are already living together. We knew marriage was on the table for us. He proposed in June of nineteen and then a kind of you not just do my thing. I saw staff that I didn't need. I just used a budget has whoever uses those before and what is it? You know, I saw money that I thought in all hate, where's money going and actually sought go somewhere and it was you know, relief to pay off in eating our suit loan that I thought it would have for ever. Gonna. Think, as I was eating hours of a lot of money so and then Scott had a really wild idea, entity doesn't nineteen, yes

My idea was that if we got married sooner rather than our plan wedding day that we could combined incomes and really not that out yet so we actually got me, I officially December of last year, but we had our official wedding ceremony with our friends and family this path. Saturday, so earnestly on our honeymoon, officially cool. So yes, we knocked out on February twenty ninety percent and paid off the last step and then covert hat, and we can be any here now what the timing- that's what I was thinking out like, oh, my god, ass yeah, do it on December yeah exactly ass may well. Thank you feel. I mean it's exhilarating, I'm united. The one credit card I had was seventeen thousand dollars that I had had since I was two thousand since two thousand nine and others like this is that he knows a credit card that are used to cover

people's expenses, and I thought I ll never get worried boy can never get that money back. It is what it is there, not a pseudo, but then not to save time. I told him that can be used for anything, but then it was minded to go. Get gas here or you know, Mcdonald's as a quick dinner kind of thing. So I would Justino pay little off and then put more back on kind of thing so that it feels liberating to be saw that show how you're governor early thirty and thirty, two and thirty four and put your butt reached up seven them. Yet us automatic think yeah automatically ding ding yeah. What is it worth about two, fifty right now with all the rather renovation that undue lovey, without speaking of which, when you're, when you're in baby steps, Heaven and you start a catch remodel and you find like rotten floor joists and a cistern with water underneath the kitchen that you didn't know

there are watching it's kinda handy not to have to you know not to have to wonder where the money for that add expenses hundred year old house. Of course, this cannot be surprised and manage that then there never cheap surprises has never like now. Look we don't have to That's not it never happens. I. Why haven't you got the money? We payments, we own everything from the shirt I'm wearing to the house, we live in. What are your shirt say I cannot quite see from here are should say we might look like our ducks, but actually were weird gazelles upsetting. Yeah yeah. I have little doubt let her board markets right by the door and that's love. It gets the conversation started anyone who comes in our home. They say what limit you have you Our vote for what you are weird yeah, yeah and and Scott had a really fun unique idea for our wedding exit song that we played on Saturday that got the Congo started. It was Baker Street

There were a lot of people who came up thing. Is this tariff Ramsay we're going there there's a complimentary toll among you make over anyway. I don't know that's right. That's right! You're parting for the resolution is that your budgetary gift, you guys of your story, you, you had kind of two separate lanes- you're gone for a while, then, once the marriage should obviously you combined in it, and it was- and it was gone so Erika for you on that journey when you're doing it on your own, without his income coming before your married, what was the hardest

for you during that time. You know everyone says budgeting was so hard and you know that you need to do that, but I think it was just learning that money is not evil. You know it's a tool that God gave us and as a tool that I need to use responsibly and I hadn't been using it responsibly, but I also feared it more than I should have thought it was money that I worked very hard for. You now do in sixty hour weeks and in a feeling like I didn't get anywhere, because I had a shipment hears of many there and hopefully I can make it work and not well. I got nothin to do exe virus eating letters on he's, not evil issues. How you

Scots tool that really we now taught me- and I was little nervous ducas in I sold my car, but it was in our forty five hundred dollar car that it was just a car that I had financed when I was nineteen with my family, and you know, I've spent all of college. You know about zillion I worked for was rent and pay. My my car and I dont want to give this up when you know Scots, that it'll be money that you know what a help go to that credit card. That was just a plague of my life. You never again chase Bank ever get. You have like past anchors with you that credible origin have forever that carbon. There was like a lot of symbolism and kind of like there were Dempsey

of your store down your cut off. To start this whole new life and the way you view money, and so I love that your heart and your mind behind that even shifted so much its awesome powerful, who are your biggest cheerleaders Scott for sure, was my biggest year later, but I would honestly say around De Ramsay Facebook suffers. Facebook group is was really just in. I didn't want to have one more thing in my life that Spring Day Ramsay am you know everything I look out, but that really became a group that you know I enjoyed reading questions being able to answer questions as I went along in my journey, enjoining Rachel's Facebook group and everybody else and listening to all the podcast, but it really was just this community that you and your team have built with everybody very cool girl. Well, that's Waterloo! You need em up,

positive peer group that a one teaching unit spin like you're in Congress or get real isolating. I have your journey and no one around doing ETA minutes now. Obviously you ever man, next you doing up alike, but have yeah having a group that minorities is as a huge wave of support for sure we got a couple slogans book for you every day. Millionaires. That's definitely the next chapter in your story, where gazelles well done very, very well, I'm proud of you guys think you're heroes. You took control your life very well done both of you excellent excellent job, I've got an Erika Grand Rapids Michigan, sixty three thousand paid out by the way paid over zealous before that. Then they get me it's a long story, but I heard it twelve months, maybe forty six now making two hundred as a couple count. Adele, let's hear a debt for a scream vary too.

What we were that sounds done loved this, They were amnesia Ramsay personality, Rachel crew number one best selling off my daughter joins me today is Michael Hoster earlier. This is the day Ramsay shove. Sarah is weathers in Concord, New Hampshire. I share our you fire going. Are you out of there not deserve? What's up

my husband iron be set back Can we go now some kind of balance, moving forward, looking up Finally, I am trying to an eight year mortgage and here I am I'm wondering allow those emergency fund is like twenty five thousand dollars of ethical probably a little overkill both of our diverse peoples stable, and we had to make suggestions pulling out some of that money to top offer a fiery, a cow, and I believe that your values at the bone had idea. But I I'm just wondering about about doing something like that. I mean we're. Both saving for dollars a month. Pretty much though we could probably get cash, That is what is my region up for us,

besides, I'm gonna put you back their retirement. Where are you going with? You? Is the only international governance watch top Notch Mojave seventeen percent? and the rest are now to them our house here- if you say I'm going to adjust my emergency fund down, because I think it's too to beefed up then he would just I would add the mortgage. Ok, We need to make your adjustments on your retirement gauss down to fifteen percent. Let's get the mortgage paid. Consider what's that, what's the pressure of the roof? Is that you feeling that a financial advisor pursuing you invited I stood here. As I said, we have like four hundred thousand dollars an hour retirement baby. Right. Now, though, I think we're doing like I'm thirty one, he's thirty five, like I think, we're doing: pretty well and you're dating back. So your

yeah so what's happening, Sarah think we're getting conflicting advice. So it's confusing to you you're, going to actual visor there's like Neuro, no matter what you max out, the Roth you max other up. We have that Investigator income, you do, but you only we just talked about this Dave, for the show, even on an instagram, live about why fifteen percent, because of financial, I was gonna say max out that wrong, but but maybe some financial about orientated. Some of them are returning to repay off your house, but yeah but our data data on the millionaires that we studied, which are actual millionaires, not financial advisers, shows that they would The shortest distance between where you are and becoming a millionaire meaning building wealth is to get the house paid off. Meanwhile, some money under the left it. So if your four hundred doubles every seven years. and we have our own get four times or five times it's going to double for the first time it now, if you don't have anything to it, for some it doubles as aid under the next time. It doubles is one point, six, the next time, a double,

three point two, so that tells me you're gonna be worth just on that four hundred somewhere somewhere in the neighbourhood of ten million dollars. Now, so I don't know why you need to worry about maxim out your Roth today when the problem a gull shouldn't knocking out the death? You may need to look at what has, because its financial advisory make a commission when you pay off your mortgage, be makes the commission when you give me your Roth, I array, So I'm really we are housed are where the process whereby they are our credit union is actually do it. For me, a hundred and fifty black eyed three I note from fifteen to an eight year, and they are the interest rate- is pretty allowed to point to five Could it doesn't mean I want to keep it. Ray exactly I mean we remain dog small doesn't mean that economic get rid of it.

Rather than as a candy act as we could pay it off in much you're years been here I don't you weren't, we could do it in our idea. We wanted and then you're done and then you go and you max out everything wrong thing you got available to us baby steps? Seven at that point, you guys are doing. So I just realized you can go in your question. I can hear him questioning. Is your endure confused in your current, getting this advice, but they're saying that is so it's. It is so just declare path and that's the why to? Hopefully, this call answering machine for work or more. A question should like at this stage of this point. Where work I know or pain upper house than where not like Gazelle enhanced anymore in terms both of us by those that way, Do we bowers having I'm and cash following like toys are like trip experience. There are things that we want to do and we wording. I found her being successful to apply them

but also maintain. Like you referred and came up, our house We go from here. We go from Brazil intensity, just two simple intentionally or unintentionally, says after Adieu, my fifteen percent towards more retirement, no more and after I'd. And then I look, and I say, there's only three things I can do with money. This point pass that and that's pay off my mortgage. Give money away and enjoy money and all three need to be in your budget. Enjoying can be a purchase of a toy enjoying can be going on a trip both are enjoying, but those are lifestyle choices to a nicer cars necessitates a cool thing and you should do it. But it's a boy. Is you sad and an insult both of those are just lifestyle, and so what you? Just those you look at your body, size

got this number of dollars how many those dollars are being put to us, I mean others and the house gets a fair. Not yes, I would say that you and your husband did decide: ok, r, r, r, that goal right. The finish line is paying off that house, like that's the last big thing, how quickly we want. who at an you guys need to agree together. We want- and we could do this, for if you do the math yeah we could or we could do it- five wickedly at whatever it is eager to five and go and mortar. That's right back it out and you guys in the side and that whatever money is left, that's not going towards the house is what you guys can use a percentage of it to enjoy and to give, and then I would still recommend upping a little bit of your giving during this process involves a great call out by having their the mines and backing out cause when it's like there's an ambiguity. like you. We want to have her how soon, but I dont know, if feel it when it gets in the numbers in the budget. I totally get how gets foggy in your. Like I don't know, this is ok you're not well. Is it ok

you're all right. That's what you guys need that! That's your answer! I would not suggest that you have no fun and no lifestyle increase and pay off a mortgage and for years I would rather you paid off in six years and have some of each so that if that's the number or maybe pay off in three years with no fun in four is a little bit of fun and verse runs from numbers, and new crisis actually runs from number going. Ok, yes, that feels like too much fun I'd rather not rather do the other one. You know like Scott, that was on the debt free stage paid off his house, and I could just assume Scots not here on the microphone, but I would think Scots like you know it sacrifice fun for two years to get my house paid off, you just tell that was helm rightly, and he did it in its great. So it's your choice, but you in your ninety eight thousand in one year s right, so you in your husband

there need to agree with that goal, as if its short lots to sacrifice agree if it's ok, we're gonna send another year to agree on that. But that's the key put actual numbers to it, for Russia will take your balance on your mortgage and divided basics. Balance on your mortgage devout above off balance on your mortgage divided before those numbers, and then you say how and here's how much I've got to work with divided by twelve with the Italians? Usually a change used up. I've got this much disposable income after my fifteen percent, going into retirement no more in the back that back down any say that gives us x for toys. Why? For toys, Z, for toys based on the four five or six, and then it'll be right there in front of a year ago that one I feel good about it and you're probably both agree to it instantly, but you're right the ambiguity where you don't how? If you put numbers in front of you on the numbers, will talk to you and they'll? Tell you because you are you know

now you ve gotta got one on about aphelion on a feeling. I should do the it's hard for me to transfer from EL intensity, simple in technology and not you not buried, but the numbers down you go out. That's one set us one and you go out and buy a car. I much car for that. I can we go a nice trip for that and stop out the Haljan that number yours, and so it it'll be right in front of you and it's not gonna end up being now, don't pay the house off early at all, It's not gonna end up being. On the other hand, were you have no fun you what do they want about an answer you I'd? Rather you get it done dislike. You got a substantial income or the going gets done, but let's just laid out and when the numbers will say that's the one. How and by when you get a raise. Oliver goes to the house after that you already set your lifestyle budget, not a thing I was gonna do with an income increase exactly that puts us out of the room she show in the books

have a friend or family member the needs of today's daily dose of Ramsey advice in their life. Let them know about the Ramsey call of the day podcast, it's a quick head of advice about life and money in under ten minutes check out the Ramsey call of the day podcast. Wherever you listen to podcasts have you got questions about retirement, investing becoming an everyday millionaire, go beggar and broader with my man, Chris Open on the crucial genscher. I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building wealth, investing and how to become an everyday millionaire subscriber the crash Ivan show wherever you listen about gas hates J. Producer of the Dave. Ramsay show this