What is a resolution, but I will go with you. This is the very rapid show where America, for example, have a conversation about your life. Your money, I presume gonna joining me today, co hosting with me today is everywhere. Oh Ramsay Personality, a oh. How are you man, C H, M, don't go brows. Chris hulking sounds pretty you need to say see. I learned TAT. I like it. I like them, hey. We are excited to be here with you and guess what we want to take your questions so give us a call. Eight, eight, eight, eight to five. Five, two to five again, that's triple eight, eight to five five

To revive call us Kelly is ready to be able to help you, and you can also find on social at Ramsay Show. But I owe you are being on social as well till the be five make. If I may add, Anthony O Neil both on Instagram in you to just lost a brand new show and air call. The table, man we're having amazing conversation, were keeping a real red, reliable and relevant around the topic. Money really being run at millennial. Young person, a doctor is really bring in our content to their age. Brackened is teach them how to get out, get out a bill wealth You know, really learn what their network days, which you're really big, I'm building while south at, if any o Neill income follow me increase. I gotta say this before we got a guy, some special lodging Monday to Friday next week through. From Monday to Friday, I put in a panel of single people and we're talking about money, relationship goals, pull goes. Should you date if you're broke shoe you date, if you're not on a budget, should you date if

you are just young, so we we really have a good conversation that is Monday, eighth, eight, a m central. Where you do and are you doing this on Youtube Instagram, whereas Youtube's you gotta, go to you to doubt com for Slash, Anthony O Neill, despite a hundred thousand followers over there, but I want you to joy because a conversation we really get deep and is not just about money, but it's about life. Well, you know so we just really have a good conversation around just all things around single people. But of course we talk about money and our christian walk as well. That's fantastic! Alright! well, listen. You can also find me on social at Chris Organ three sixty and we'd love to be able to hear from you. So we are going to jump to the phones. We ve got Brooks online, one Brooks our yeah I'll do. I'm all men were focused, not finish. How can we help you today so

my wife and I were twenty five years old. I we're dead three. We are both in law school, so we just finished our second years. I've got one year law school tat. We ve got actually pay for next year's tuition war have about. Under any but get em between two hundred and ten and hundred twenty thousand dollars left over, and were wondering what we need to do with that money is obviously not enough for emergency fund in there to deal with the remaining hundred or so what kind of in limbo about missing What are you in limbo about real, quick? There Brooks as far as you would do. We should write right what Do the money, whether we should investigate whether we should just you know, started requirement account those thoughts to think we re know what to do with extra money. We're Brooks. Where did this money come from?

We were working saving just we ve been working and seven since we met a week. We just got married about two months ago. We were both working in saving independently before met each other, and we we married combined our money. Ok, congratulations! So you guys, in law school you ve got one more year ago. Yes, and so Is this money to be used to cash flow law school for next year weight? It will act, one hundred forty now and so after we pay for our final year. One hundred and ten left over you guys we're not tell you what you have done: a great job saving! That's that's fantastic! Well, here's what To tell you I love it! You ve got school paid, for I would definitely do the emergency fund. I'd, probably gonna, just plop a six month emergency,

and a money market account and let it set there, but here's the other thing. I would also that extra money- that's there. I would go ahead and start to earmark that as potentially your home downpayment. Why? So here here think about that, because that's what we're both invasion but we think it is fairly, did like peace, a chance that we won't be owning a home for awhile, because I'm having a fairly confident that out one of the military branches every military lawyer got drunk, though we doubts about the other thing. If you know it really wanted by home, while students will be likely a military opening and about how long do you think it'll be Brooks before you ready to buy home, maybe too, years or so. Ok, we gotta think it moving around every couple years. Ok! Well that, then that would solidified for me and number one. Thank you for wanting to serve in that capacity Oh, if I'm him Brooks, if I'm you, I'm gonna sit amateur start, invest that money.

You're going to have military housing you're going to have a chance to put that away? I do a six month, emergency fund. I take the rest of that sit down with the smartvestor pro and start to let it grow out, I agree with you now and then I would definitely say even sit down a twenty, it is a long time without buying a homes autumn when a regiment of that process, but at the same time sit down a right division at sea because it means you be almost forty. Five before you purchase your first home saw what may be left he may be, can do that maybe around thirty five, I'm just be honest there, but allow the fact of of you getting that emergency fine start invest net like Chris he said, but it also sit down erotic vision for your life. Where do you see yourself? Where do you, retiring it. Maybe if you get to your city, and you gonna be there for at least five plus years. Then I will consider per in the home if you gonna be necessary for five more years and only question with him as being in the middle

married being moved around? Is actually you know? So I like the idea- and I think you guys brooks- can continue to save. I would go ahead in your budget and in budget a dollar mount you're gonna, put towards that. And and continue to save and when you get done serve in the military. You ve got an opportunity to come out, be able pay cash. There's, no reason you can't pay cash for home a spray of tasks, the meme twenty five hoagie, but twenty. By these, these guys have a hundred forty thousand dollars say, but it's not an accident, and this at this list call this up. No one gave it to him, you ask them they locked in a say, that's right you know. So no one is handed them this money and a lot of people think you cannot work in and have a lot of money which is proof of the pudding and not only that their cash flow and going law, some ok for both of them. So now. I know you you own this air, because tells me you gotta, look a quick readout, yet

yes, sir, I don't the people about its opposite, I'm I'm I'm helping people get to this young man, that will, because a lot of people cannot they did not cash flow. Their college experience, so I came out with a book called a quick rebook cod the sure you're stood alone, debt, worm, teaching, young people and all people how to get out a deck quickly with their suit allows. So this is really the quick read for our current tribe was bare, and with this a for a few years, this is going to be too, who may not be familiar with our teachers because it simply a deep dive into babysit number two. I'm teaching them how to ratify, and if this is the best option to ratify memory. Explaining to them. You know hey, why do not like stood? Allow forgiveness, someone really wants to get our stood alone death. This is the best thing. It's gonna be sixty four pages long about our have read and it's a great great option: listen. You have an opportunity to be able to get your book today for ten dollars and anti o neill dot com or call Ramsay com.

Your team at Tripoli, twenty two peace vessels. The day ramps issue show

business leaders. Now more than ever, we need people with the right skills to support our communities, especially the frontline workers, who provide resources and care for those most in need to help linked in is offering free job posed for health care and essential service organizations that need to quickly Phil critical roles with the people who help us all. If your hiring for one of these organizations free job posts on linked and can help, you quickly find the right people for your front line to post a job for free visit linked in dotcom slice, Ramsay terms and conditions apply. No America! You are listening to the Bay rents issue on prescription and joining be co host every rodeo. We are excited to be with you add. If you're not aware, I have a show, as well as called the Chris Crossover Joe and one of this

what's that are absolutely enjoy doing on that role is called, did you know, at the end that I try to get people information that may be they did no, or maybe they didn't by people that list The show there on the balls. I try to throw himself everyone's while, but on sheer one today share with american public. Did you know that, right now, according to all the stimulus, after being done, the extra six hundred dollars a week. That's a currently available is set to it. On July, thirty, first, okay, so that leaves the x six hundred along with any unemployment people are getting. This is set to no July thirty first. So what this means is that we need to be in conserve mode, a sap need to be holding onto money being extremely intentional about what you have not been frivolous with it, but being very smart and every people have got to get ready to get back to work s good, Hogan, Ally, fat man. Do you and your expertise from your studies? Do you think that the government makes

this go to bed I dont know. I know right now, there's all kinds of discussion from outside that I'll Democrat Republican about what to do, and I dont know to be honest with you, I dont know if it'll get asked or how it will happen, but here's the thing, regardless of what happens on that in in order for us to get back? We ve got to get back to work a moment, and I think it's really important, and so you know I'm encouraging people out there get ready. You know get tourism a polished up, get intentional start. Out being proactive and I can Coleman. Our counterpart here is helping people with that answer: check out the current common show as well. If you'd want guidance with your career or job hunting or job search, I know cans, gotta, lotta, great resources there. So would like that, like people to see that information and get plugged in aren't we get back to the phones. If you got a quick question, give us a call

numbers, eight thousand eight hundred and eighty eight two hundred and fifty five two hundred and twenty five and joining us now is Jeremy on the line for you knew her yet more focus and not finish my friend. What's on your mind, I get adequate caution. I just started and asking and mutual funds I've been looking. I got into the fold did the just, but there are three thousand now and management and the guy at the place. Every bigamy me me. It was also eat. I can do and I'm wondering do I wait. I have the talk out and take it in our further days ago. Do I tried doing it s? Okay and and this this, the individual? You went to talk with its investment professional told you. You need a three thousand too in order to started well, it's on band, eyed and monitored.

The impasse in those specific takers treasure three thousand minimum doctor, I want you to reach out to one of our smartness arose and what are we gonNA, Dave, Ramsay, dotcom you'll be able to get connected. You can get started right now, my friend but but here's the reality, eighty ifs versus mutual funds, it here's the deal he D ups are traded a lot like single stocks, meaning that are traded all throughout the day and so that the price can been flow and sewage treatment. A lot like a single stock so These can be higher. It can be a little bit more costly. Cousin to a mutual fund, but the mutual funds still gonna be the best way to go. The gross thought mutual funds. Were you hit all four categories: growth, aggressive gross? international you're, going to have an opportunity to be able to build wealth, overtime and remember, Jeremy, Europe, best for something five years or longer. So in that vein, eighty of our own.

Hey, but they're gonna be more expensive and you can have better options and better longevity with a gross thought, mutual funds. So that's the way you wanna go, as I said, reach out to a smart reciprocity. Cathartic connect, The german before you start investing. Can you sell young man? I just want to recommend that you followed a baby steps that we teach. So let the fact that you want to start looking into investing but makes it at your out again and make sure you have a fully funny emergency fund. Our hate you to start investing into a mutual fine You have a thousand thousand your bank account. Yoga law is also a love affair that you ask any questions does a great question, but I just Make sure that not just but though listening right now that before you start investing, care for your priorities today, so that way, you're you're tomorrow's taking care of today? If that makes it does make sense scenario, I'm gonna jump over to a social question, came from Blair Cook from Facebook, as she says, do really need to stop contributing to my four or three be even if they match it at work.

Or should I just lore it down to five percent, so I can get the match. Well, here's the reality. Ok, first and foremost, if your income is they, meaning your ours have not been cut your income, a solid, then you can keep it best thing is, you have been a key go and how A few hours have been cut off or you ve that you for lower laid off now. What you're going to do his pause? Ok, you Pause, investing right now until your income get stabilized, or hearing. Oh here's, another scenario of went someone's gonna pause investing if they got debt Tommo now help You know that man not sick people who made familiar here's the thing you do not want to invest and to your future when you're on a rocky foundation right now. So what I want, Did you do, and this is what you teach all the time hoping to your space? Is that you know build a solid future, build a solid president, you to stand on sea, build a solid future and a strong future and I think steadily,

going somewhere. If you ain't dead, you're, embarrassing me black one or two percent, while we teach here but you invest fifteen percent so to actually catch actually ketchup impasse where you would have been because now you can focus solely on your future and not much about lead. You brought it up, because a lot of people will see that they'll go, but but hoagie Stop I understand, but you gotta go up the mess you gonna get it out of debt and I don't think people under the power of what you were just talking about meaning taken the time to get out of here, and then getting to that fifteen percent. In doing that over time, you're gonna give com it was an opportunity to do an amazing thing for you. Yes, I now as the way to go and its great opportunity. So again you guys. I know you hear us talk about smart best approach all the time, but I will tell you something right now during this time: You ve got questions about your for when K or you got questions about your investing. I want you to

reach out, get connected with a smart rest approach, have a conversation. These are people that that will talk with you and I want to tell you something. That's a difference. You want people to talk with you, not Abu, so it's really important for you to have a real conversation damp air. I agree. Why should this question? What would you say to a young person right now and they were for company and they do not match? Would you suggest they? Still? best into a for one k that that the company is not magic, okay. So what I would do in that scenario is if a if there is not a match available, then I've got it. But then I am also going to go over to the Roth Irish, yes and go to their and then go back to the fore wiki to get to that. Fifteen percent of that makes sense, and so you know again you're, when you hear Roth, I want you to start to get tingle I know I do he like the one here on my head starts to wiggle, because what wrought means after tax dollars just gonna grow tax. Free growth is going to give you an opportunity to keep building your foundation. Ok

hit you with a social question about I get is thing in here from Map DE says my wife. Working hard to knock out our student loans that, right now our students or in forbearance. So there is no interest until September. Should we keep making payments or save the money be earning interest on in a money market account for a few months and then pay it off. But there is one thing I went acknowledge that because your ear Lazare forbearance it does. It mean all the time that you're not you're, not gaining any interest. It is simple measure not to pay your interest in your payment until he gets out of her bad stuff. So some of us, some of them, do council, the interests are what I want you to number one is research and make sure that you're not gaining interests. Number two. My thing is you, have a job and if you have an income coming- and I want you to go ahead, an attack. You soon allows right now and get out of debt. I am not a fan. Just sitting there and letting some justice get into my future I want you attack it right now now Hogan, if they do not have a job, if they do not have income

I want to take here, therefore, wars and as something that would teach here, but if you have income, which I'm guessing by this question, often where I'm seeing and when I'm guessing you do having come take it out of her bears plan an attack it right now keep making repaid Yet like here's. What concerns me? Oh, to loans right now or in for Baroness until September. Thirty of right, what's gonna happen on Toby want we'll get a serious wake. Up call steer and payments gonna come knocking, so you better get ready. Let's wake up people is it financial future and your money, you gotta have a plan or you're gonna, which you did. This is a neighbour aims issue,

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team can access these messages through podium. Shared inbox podium, helps. Keep your business running watch a demo today at podium, dot com, that's podium, dot, com, hello, everyone! You are listening to the day rooms you so I presume, joined with micro. Those nail has always we're having a good time. Listen. We are opened in here. If you are ever in the area. If you're in Nashville or Franklin Tennessee, you need to combine visitors, we have got Baker Street if a molasses over there, she is a rock star- will take care of you with some coffee in some cookies bananas visit, you can watch the show live, you can even check out the debt free scream which we have going on here. That's just awesome so come by and visit in the. If you ever hear we're going the phone lines we ve got Hallo, allied the

so undermined? But thanks for taking my car here, the curse of preaching you do stand them. It don't ever wanted river twenty two year old son, just looking for some advice on, he keeps asking us to borrow money so he's looking out and you know where more than new Turkey, more envy and so a job like our son were able to get off that monies. Are you know? I don't think he's very receptive to this one. You know and aunt eager young, The person you know relative to our Son of Course said is wondering what to would suggest. How give me a limit, ground or you're saying I see he's twenty two years odious having the education is a working right. Now is eleven with Romania. So we ve got into the college thing right now, so can't just working antenna put enormous, oh, but he has a good friend there in the building in the yard.

What else did he suddenly at when? Is it worth in high school? The Plaza Gore and it wasn't were how much is making a month fifteen in our society, in our little times forty hours, We are not a law. Now he killed her the motivation partner hoagie. You talking to this as a father from afar the perspective, I think, from a young person's perspective, one of the key things at my dad did for me that really shifted. My mindset was he stopped giving me stuff. He stopped to help me different mistakes and she think you're a grown man. You got to live with your decisions, even if it, even if it meant that I was going to hurt a little bit. I was going to feel something. I remember one time I asked some for some money to pay. My electricity Billy said no, you gonna sit in the dark into you can pay it, and now the last

ever said in a dark, because my debt taught me that I found to be a man. I have to now start taken on the responsibilities of a man, and so I think the very first thing is how you have to stop helping him as long as it not alone. It is not life threatening, but if it is some money here to pay our car note to pay this pay that now you gotta, let him sway sweat that out a little bit you gonna, let him feel it because s own awake, he will become a man. How Did you ever teach him about money at all grown up? You know we did and we get an idea that radio sit like instead pour into came, ran, aren't ear. This can then forgotten way smarter than I see all the things we bought.

But he has also rallied to grant where it is an average hey, buddy, and so we have all done wrong and done some stupid with money that it really is time. But I would tell you this how many other kids do you have. However, only ok, ok, I would say with any. I want him to learn. I want undistorted builded grow, but I want to tell you You're always be numbers dab yet, and I think you have a heart able to help him and guide. Him is always important, but I think he's to sit down and have a conversation with it and say: hey, you know what what are you in your goal as one of the things you want to accomplish and to be able to help map it out. You know I welcome you. You said your new team Ramsay well guess what bring him into and got a great up hey we're we're gonna. Do we're gonna, send you both copies of the money make over Kelly you'll get your information said that to you does have some conversations go to lunch once a month.

Tat, some conversations about a topic of the book and just begin to have dialogue about it. I think too often times his parents we over think stuff. We think that we have now preaching and teaching when reality you can have a conversation, and I think that would give you a great opportunity to be able to move forward and help. You know and hugging too, for the Paris listening right now. I want to suggest that you know it's ok to say no yeah. It is okay to tell your son or your daughter know. I can't help you. It doesn't mean you, don't you don't want to know what you're pretty much telling you have to go out there and get it done yourself, because I'm not going to be here for the rest of your life and in I get frustrated with parents, and I see this

We, especially within a generation. A thirty two road can come home to his Mama debt and ass for money to buy groceries, but then, at the same time they have won the Ladys Pair Jordan's, and so was I parents, you have to say no and and stop saying borrow. No. If you gonna give him money or Herman, you gonna, give it to them, but stop giving them money and let them live out their own consequences and it may be a good consequence or bad consequence, but they got they gotta reap what they saw it. Life. There. Now is a good opportunity to be able to grow forward. I must get on the lines here. We're gonna continue, wonder we ve got Juliana in Florida? How are you thank you, how are you were focused not finish. Now can we help you today ok? So I'm a little bit about the lamentable that I got thirty you guys today, because this is kind of like some urgent we're. Gonna have been to get over five years. Where currently failing to buy a house. We have twelve thousand. So far

it will go for it. Two years and of course, life happened last year and we were unable to do so. Then we started receiving again this year. I have to move out. We have to beyond our own. I want to get a house where now, right now, I'm with my mama had it. I have a ten year old fun, so you know things I've just been. You know. I've been kind of when living foolishly, you now in my mom, introduce me to financial peace University a couple years ago, when it really woke me up and turned me around and change our mentality on how I want to live my life and one where I want to go. And thankfully I was able to kind of like bring him on board as well as a robust gonna living foolishly warrant focused, are determined to do anything but spend our money anyway. You ve gotta use trot. We both have you vehicles, we don't having got. Thank God. One baby factory on along with saving for the non payment of our house. Have a use talking about. We got a new transmission and last year

We now need something else. First are waiting on the diagnosis from the mechanic, but he's thinking wars case Israel is a three thousand dollar bill. He wants you he's adamant about trying to help me into getting a new truck. I don't want to I ever listen elite, listen Judge Urban yeah so make it a shot. You you in your boyfriend are living at home, which her mother in a gala tried to make moves to get their act together by some and you guys are not currently Mary right now. My hearing is quite correct. Marriage is on the table that America than discussed. We both want to get married. We want to have our house per week What would you do? I mean just hold on right, wait for a, but but let me talk to you, he wants by a neutron here it was in his mind, he shouldn't, except he should he should die neutral

when I don't think, that's a idea. Why why? Why don't you think it's a good idea, Gimme the two reasons well, what I'm scared of is that we're going to lose the money that we stayed. Obviously we will cuz if it's going to go into a new truck, but also if we are not by cash. You know we're not gonna, be able to qualify for much of the house as we would, as we were heavily if we didn't have any that the income ratio right, we're gonna hurt on how many that right. Well, so here's reality. Let me let me hear out also do so the truck it would be as dumb I deal. That would be something that that is counter Do what you do and the problem is, you guys are playing house. Or you are in the process of trying to make decisions, and you right now, there's no unity, and so I would say, definitely do not buy a home until you guys. Harry just bottom line, I wouldn't you, you are you're not united right now, and so a truck or something

all those lines? Not only would it mess up your qualification, but right now you guys need to make its plea smart He said if you said it, nice, I'm only to set up a programme, we come back from the break. I'm going to untie felons get him to tell us what he was thinking, but we're also going to talk about some lessons that we've learned it during disco pitch situation, you're listening to the Dave Ramsey Show

everyone you are listening to the Dave Ramsey Show on Hogan Hogan CO hosting with we me today, is Anthony O'Neal, on our last call, we had a lady that was living with her boyfriend or they were talking about buying a home together and one those areas started, blood pressure went up. I can, I can feel it I would like to come back here and I want you to walk the two more talk about this. What do you people who are living together or or what what's your thoughts on this as they're trying to move forward and do financial things together may, and I want to thank you for stepping in and allow me to calm down, oh Tibet, because The reason why I got so passionate about that message is because I see them.

That she's going down- and it bothers me because this younger generation, especially within my generation at twenty thirty road, we feel that it is ok and that it is a good move to move move in with someone but less back track when at call they are, they don't live on their own. They live with their mother, ok and so for me, one hears a very foreseen that at that I see this. We're not take care of our priorities, and so our priorities is ourself. We need to build our self up first and do things right. Why do you want to go out there and build something

someone that can bautzen you tomorrow. I'm sorry for us not hit people. What does bounce back? I may, as in like leave me to my bank of as an end in anyone's people who say well if I'm married eagerly minimise yeah, but did the likelihood of that happening is nowhere near to what a boyfriend a girlfriend due to each other, and so here's here's. My thing here is my suggestion to the world before you try to build something together: bill something on Euro and and will you build something on your own? Do it the right way when it comes to marriage as far as ability, a home and house? Why do you want to purchase a house with a boyfriend or a girlfriend? You want to build something which your husband, with your wife with your partner, which are life long partner, so that when, when you build something, you can build something on top,

that leaves we ve seen stories where boyfriend girlfriend moved into get a bot houses bought cars and in the long- and it was a huge, oh look- I can remember a cup of Edward Dating bought a car to gather it got so contentious that they were rotating the car every other week after they broke up, and so eventually someone just over the car and bought it out. So you're right promised ability purposes. It doesn't make sense when you go the just so the peace and go together

I do, though it yeah, yeah yeah, had been event. Then here's if any man just get married, you know if you guys, are already live in each other and at actin like Mary live and like you marry just get married, will go down to the courthouse and get married in be indue life together, because here I have asked, have asked this question: if you're living together and you do not marry stuff, but Jean then you're not married. What was the problem other doubts inside your head? So are you living together? If you have doubts, though, so distant diskette yourself right

build itself together and they get married and think let them build something big area. Go you feel better. Now, I feel a lot better. Thank you allow right, you were you, were you were all twitching and everything at the brake highly was looking at how we use I get this dots. Are I listen merit of your out there? You gotta question what you to call us trouble eight, eight to five five, two to five again, that's eighty, eight eight to five five, two to five call Us Kelly's ready to take your call, we're all excited to be able to help you we're getting to the phone we ve got amber on the line amber. How can appear? I help you. Hi you're only going to ban smoking does not because that is what I say that I am one I actually. I am currently set thorny and probability

Then a couple months for a gradual emergence. Thank you. So much alone I went to work towards that might be a good thing that they be set myself up. Unfurl reading a book and embedded in everyday millionaire Stoa and this kind of wandering has taken pardon me. I won't tell you cause you if you do not want to wait too long to lose any of that interest right out of my big question. So ever how much did you pay off? Tell us I've. Just hundreds thousand internment, two thousand and ten months, and what was your household income at that time? I need twenty two thousand and twenty two thousand a year. That's fantastic! I've gotta know

who told you about this money stuff whom it some kind of cool, color financial at her house. This with me he three years ago I was just like a little nature. Didn't have any money problems acquainted really I have money in general and I've had a just forgot about it at length about one class and then and where there are no, actually I got a hold on to have gotten sense or medical got it, and if you can all hit me remember, Gabriel came across all The is here now I thought: that's what you Valentine dwell, argue, art, Zella tents and I'm proud of you. I like idea of babies, step three be with you: identify a dollar amount that you're gonna say for a down payment and again how many years Where are you from buying a home? What your goal should really come back I mean you. Twenty one is actually

What did you do? I know everybody I like you. I couldn't hear hear I don't know it's like like. I want want my or would long in that country, where it is, I dont really No, that dollar now unthinking might ten thousand, maybe fifteen. I just don't want to wait too long. Who told you that ok, I can respect that. Well, here's what Nor do I think you ve got hit the nail. And they don't want to hear your thoughts, but you know come up with our about. Maybe it is ten or fifteen is kind of a goal that you're gonna set aside and call that baby step. Three be what you completely for everybody out there. If your new baby step three b is where your saving up for home downpayment right this lady S, Focus MA am definitely not finished, but Amber once you get set dollar about ten to fifteen grand I would say get over into babies, for a start, investing erode your money yeah. I agree with you to help me now. I must say on that as well. A lot of energy, just twenty one and she's think He stepped back. Ok, I wanted

then also. I now want to purchase a home like she's I so I love the fact that she's actually sitting down and processing her thoughts. My suggestion to this young lady is put your thoughts on paper, puts a plan on paper. A stick to that play their absolute twenty one years old? Were you think it like this man now MA? I was. I was man, I'm a sailor. I was thinking at twenty one I mean. Did they called here, young people on me. I wouldn't think alike, bury them. I was planning of astronomy, you know, get

money, but I wasn't intentional. I didn't have a plan at twenty one. May the average twenty one? U S, most, twenty, why he rose. I thinking how do I look good Hathaway Impress, my friends, you know how to I enjoy life. Not how do I build for my feature how dewie stack money? How do I build myself as an individual and that's what this young lady is think she's thinking outside about number on very proud of this happy early birthday you but stay intentional with what you're doing and the plan that wrong, because you are doing a good

great job artless get to another, but call I've got that units on the line Yunus. How can I help you strange? How are you crying? Oh I'm good cover you Grady enact anything he escaped my car gay. I left you guys twice today an alarm Davies. Tat number kill. Ok, I have a mortgage that they were divorced situation, keep our bankruptcy. Where, due to my lap trying to do the right thing, I had younger kids at the time trying to save the house, and I owe lakes, four hundred and eighty four thousand to Bank of America for forty years. I wait let in did the whole arm. You know what they say. The house where you, but after the smoke landed, I realized was it happens, all the seas and everything that was tat,

and the houses were Polly worth like three fifths me. Well, you know how on earth do you have that much you, oh, for what it's worth? Three, fifty nine yeah, because what happened is like he was fine bankruptcy, though every site called they weren't deal with you and hope it was kicked out with bankruptcy now eyes that tend to try and save it. When I'm like three years so I was on the phone. Give a data Bank of America was sending home all this time, making only phone both going filing getting a per cent and Jane what about what are already see? What are these? These merely glow? Basically, what they told me that would pay for all the bankruptcy. The court argues that, when a hold on a second units, because you're gonna need to reach out get a real estate attorney to be able to walk through this and look at it has this right and they need to unpack that an explained to you. Ok, so you get the facts and the deed,

listen everyone. I want to thank you for calling in tuning in. I want to thank your producer, James out, an associate producer Kelly Daniel. Thank you. Ain't. The only opportunity and studio I've Crusoe get this the day. Branches show America, we believe in you. This is James Giles producer of the Dave Ramses show once again you made the day. Ramsay show one of the top for most popular podcast last year to get your daily doesnt motivation and inspiration from the Ramsay network. Subscriber followed today, wherever you listen apart, calf make more money doing what you love check out? Christie rights, business, boutique, podcast crises

firing on and quivering women to become successful, running your own business ham, Chrissy right and I help women all over the country, take their ideas and passions and Hobbes and turn them into profitable businesses. If you have an idea in your head or dreaming your heart and you ve ever wondered if you could make money doing it, I'm here to help, join us on the business duty podcast, where we are equipping women to make money doing what they live here from the Ramsay network, including Christie Rights, business, booty, podcast. Wherever you listened Abad, guess hates me. Producer of the Dave. Ramsay show this.