From the head waters of worms, solutions broadcasting from a dollar rebel studios. It's that day, Ramsay page is gaining in mortgage, has taken the boys of the Bmw, those that I am day rooms or your host to thank you for joining us, open phones, Tripoli, eight to five five, two to five: that's Tripoli! eight to five five, two to five times starts out this hour in Pennsylvania Tyler how're you David

I'm doing great I'll, buy you better than I deserve. What's up at Ghent. Yes, I guess at a quick question. My wife and I, both than to deal with the same page about paying off that you are doing the pay, her smaller debts and the only thing that remains is a big old student learn for sixty four thousand and The question is what our existing asked: Should we used to put towards that? I was on babies. That's three prior tomorrow, to marriage and my life I'll bladder emergency fund. So we now have a collective emergency fund of ninety five hundred. Do you think we should put that towards that? Just drop it under a thousand, that's what we teach Is everything that is non retirement money to throw a big old fat sally may kicker, out of the house, give her her eviction notice. What your household income

I'm goin in forty and my wife, thirteen total of fifty three, and you said how much was stood alone that sixty four ok, And so, if we throw eight thousand at that, that gives us, under. The fifties and we should do that in a little two years plus or minus any other money. You got. You got some other money, yet I was coming are the ones I was wandering the big one is. I had a mutual caught. My grandparents started for me when I was a kid from what they started with just a little bit about it. Do it sitting at just over twenty three thousand gray, throw it out it. That's gonna, be a painful and by what you said Jack you married her. I suspect she's worthy brother yeah. She can't she came with the other Dat and that's ok. It's no big deal we're just get out of that, because here's the thing I think,

about. Your grandpa and I think, easy alive. Ok, I think he'd be that you were getting out of debt, so that you could build wealth, I think he would I agree and so you're not dishonor ring the gift but doing there. So in that sense is not painful, but it is. It is something to give you laws in your wise to think you know gosh. I do this here's the thing. If you do this, you have to play through meaning you got a finnish, nor can it now and then turn around and build the wealth up. Ok with you, Have the sling hanging over your head, otherwise you're trying to DR along dragging a tree, or with no wheels that's what you're doing when you got sixty downloader stood alone them again. Fifty five grand and you trying to become wealthy Europe you're on your own, braggin style. You drag on boat anchor behind you right, and so we gotta go

cut the thing lose show that were free to drive with no friction and, though to bill wealth with no friction and that that's what this is the borrower is slave to the window, means so many things there's so much depth to that. One scripture that it's unbelievable the whole implications of slavery so have added the that's what I would do in any other non retirement asset. You have oh come on that and let's get rid of it as fast as we can. I think you're a dead man you're so sounds like to me but your own beans and rice restoration beings that year Chris is with us in Colorado, Springs High, Chris, our you I'm good! Thank you! I own colleagues because recent well Thank God for one year of Shark

And I had a twenty three year old scares me still gets me when I talk about it, has been left life insurance of four hundred and thirty two thousand dollars, and I'm trying to figure out. I my car, then I dont on the home and mine two hours. You said he thought it be a good idea for you to turn to the house ass much damage LEO on your home. So I hope oh, two hundred thirteen thousand That would be the only tonight king right turn right. Alison too fast, I'm thinking about enough to live on my wife. How old are so? I'm sixty seven,

are you? Do you have any other income sources that myself, with security? More does not amount to trying to sixty four a man. One sees that down I'm still has finally settled out of twenty five twenty six thousand yoga and where you live on now, what you call should live a month now, not counting house about anywhere from thirty six, Thirty, nine, including out by one hundred, including ok We didn't ever how's your payment. Then you can get close to live on their social security if you had to right now, Hooker, where sorry, how all of you guys were alone where you got married twenty five years, while that repair heart out, I can imagine

I'm so sorry I lived here so that I expect it now. If you had I paid for home, what's the homework, Iota praise term by follows completely. We can, but I praise I will treat to ninety seven, so you have a fairer without Mahler, highly paid for and you'd have to undertake Owners invested cod I woke up in your shoes is the way I answer these questions he's been. Gonna year right right, while it still hurts- and it's very recent it still a year ago, as I tell people not to do We will not make big decisions in the first year because it takes about a year even breathe, innocent where's. My locker If I woke up in here here's or you were my little sister. I would tell you to pay off your house today.

Let's not talk about over. That leaves you then you're sitting in a paid for four hundred thousand dollar house. You have two hundred thousand dollars to invest the two thousand dollars could create about fifteen thousand dollars a year in income, easily. Without touching the two hundred your star income create joke. I note that on top of social. You should be ok, worst scenario, if you're, not ok, you shall how should move down into a night or to another thousand dollar condo. Then you got for me thousand dollars to invest and afford thousand dollar income to go with you to social security, and you would be ok, but we're gonna have to do that, that's if you have to you wanted to, because the house became more to manage than you. The manage so

of my house and sit down with a good investment professional. If you need some help, then jump on day, Ramsay, DOT, com and click on the small investor and put in your information a list of the small investor prose in your area that we recommend for investment advice will sit down with the help you I'm not in the business, but that's all I recommend this is that I branches folk. I don't have to tell you what your student loans that is doing to your budget get rid of it,

splash financial, dotcom slice Ramsay and see if you qualify to refinance your alone to a lower rate. Unlike other refinancing, splash has no fees, I'm talking no application feet, no closing costs, not even an early pay our feet and if you qualify, you'll get lower rates to help you get out of that faster sounds like a no brain or to me, stop wasting time got a splash financial, dotcom, Slash, Ramsay, check your interest rate in minutes and see. If you qualify

Jerry is why go judge those work over that Abrahams? You showed really about my home where a programme we are getting a job at the beginning of the year that we got a company car for that car, that figure I'd upside down with that it is our larger stab at thirty four thousand, we haven't opportune hey, relax three months to be able to pay. Seven thousand dollars on it and are in all my life. I have offered to pay ten thousand dollars so that we could trade or turn back. In the car MAC.

Now. That's the best opportunity to get that large that off or do I stick with a snowball, showed the Ten thousand dollars is going from your enlarges a gift. Now while not a chance. We do not our money from relatives. Ok, no, absolutely not! Show them may suddenly rain on a thousand dollars upside down and thirty four thousand dollar car eighteen thousand upside down. So the car has thirty four owed? Yes, how where'd you get the Forbes You must rolled negative from an alias yeah. It was a fake on a car purchase, but we were not told that it was said salvaged car, and so it was get rid of it and it guess snowballed from their care. The bad mistake

took a bad mistake. I had a worse the Ep Loca well, I ain't your household income powers in its sitting. Monthly unkind, what is seventy? Three twenty five a hundred thousand warrior income, roughly one hundred and twenty lawyer income. Roughly it just, they would take a six hundred and fifty dollar payment off how will we have of our insurance and that we could be able to all our role and really and our that right, it believe owed our enlarged before and we do not want gander. There's no way ever go. Tell your bar of minerals ever ok, are our slave. The lender and you you use, run all there is no upside that only downside Why can't the get people in the world people Thanksgiving dinner to untangle the same when you eat with your master?

I saw how each other down, if you guys got, we ve got about five total, including a car, including thirty, four and what's arrested largest it's bad decision, What is that we were working? to hide her are so what's the rush dawn. One more car that it's just nodded the car we just go on it. I know about it. And then, I would say, just not credit card, but one that to you, of sixty thousand dollars and fifty thousand origin personal load? Yeah, hey hooker! Should other cars like tat

renders them something the other car I the other to get a personal loan for the hold that Europe. Now we tried because we tried who is no longer if, on a car on that out dont know that one could not have been paid. That, though, with I'm sorry yo! You need to combine. You're finances from this point forward, going on to show that you both know, what's going on with all that don't know who he pays. That's all. I know what it is as if somehow what you pay, you did all the pain part not do their budget part both. Anyway, it is it is. It is an obvious link. Ordeal the idea is a bank. Ok, Is it a local bank that they would work with you on the deficit.

I'll. Let you shine a note for the difference. We have tried. I've tried with you in adjusting Alembert yeah. I tried everything: This, on their only option, was to get the ten thousand from his parents. Only if we gave us before now and say I think we should solid for that too I think we should try and Oliver what other people could tell us: I had to rely on railways out, and I agree with that. There's no panic here, but just a lot of discussion When we look at it should the driver, you feel stupid. So bad, you know, that's not a panic! There's! Nothing! Men shall I I agree that you should show the car for more and I do not agree. Would ever have you borrow from them? So what would I do did? Where was this? thousand. Coming from that, our income. Oh, no, no, no! No But you said there are seventeen and there were no longer term and where was the other seven coming from? We have

Will I get an extra paycheck this month between man and the next two months? We can pay back towards the hours they get it to where we can just clean but whenever harm acts repatriating words do not show it. For Karl Marx was silent for twenty two, instead of for eighteen or twenty forms for a teen eighteen, slow sale, but don't do that and you ve got the money land up and it sounds like that. The money is going to come from your saving up the money to do this, and if you won't do that before you start really attacking the debt snowball you can but It's not the end of the world either way, but I don't think I'll talk to you about it. There's no chance. I'm borrowing the money from the

you, ve gotta, quit borrowing your way out these things, and you know you're in laws at your age, lonely new money- oh my gosh, yet to stop. This is just a bad practice and you're gonna. It's got bite you one of these days there so there so many control things, and so many things that happen without stuff. It's just a bad idea. Yeah. If you want to stop your debt snowball and just say we're going get rid of scar and cover the difference in the next few months and then start officially started at snowball. You could do that If I were in your shoes, would I do that? I might because you ve got insurance issues. You ve got a six on a dollar. Much payment is goin up. It might be worth it to get that out of the way and their such a level of disgust around. This particular purchase that was a bad purchase rolled into a bad purchase rolled and no bad purchase, but dont give the car away for wholesale Don't panic! We thought there was thousand hour's law money in your were all right now about those laws more getting for the market

car rental car MAX is is helpful for the situation and lowers the amount that you need to do this so yeah that that's how I would look at it thanks for thanks for joining us MIKE is in Houston, Texas, say MIKE our you baby, you gotta, listen. How can a quick question for you, you're, not great warfare, my gun, but I've got some return. Sixteen at the end of the year and Gabby that buying a car, a third cause for the family and in the process of this I came up. Ass, a business idea, let's joining with clear car rental business. My car therefore went and there are considered all the liability issues with that, but here's the thing I wouldn't I got

a three options for those who are doing their best snowball right out, so only thirty three out of it. They're in and get your opinion on the number one. I cannot abandon his eye. Altogether now that's no down check Do you know it's red already here and you know what they are not doing peer to peer put a car out there, some else driving a car, those in my name, this is There are so many downsides to this. That donor. The little bit of money that you get common. Am I mean people peer number two that risk car gets drunk and hit somebody head on in a car you home, yet you've got a mess on your hands. I don't care how much liability insurance you've got your not hurt, and I just I think this is a really really dangerous practice. The chances of me doing that or eight thanks for the call

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In the lobby of Ramsay Solutions, Spencer, enable your where guys are all very well. But what are you guys live? We live in Elizabeth Indiana just across the river from normal study. Gotcha, ok, great tee live like no one else. What gazelles all accept and how much data be paid off? They paid our seven. Thousand dollars show How long did it take twenty three months? Good, you and your range of income. During that time we started out de one thousand, and we went up two hundred and one thousand wow double your income and twenty three march, Emily started going to work full time. Diana couple, job changes and down my parents open up a small business, and we have to start work in there on the weekends and stuff to Canada, Michael after income hooker.

So lots of extra work that wasn't there the year before gotcha got money everywhere, though good for you. What do you do you do for a living? What are your careers actually work at the same company work at risk? though designer jewelry worker, doing what I workin sale. He's a shipping manager Boca Great, very good good, for you guys what kind of death was the seventy thousand dollars. It was all a mortgage you paid we are looking at where people How do you do we're twenty four? Oh, my gosh you're, really weird, where you'd like really big time, we're at twenty four with a paid for house. What's this house worth around a hundred a hundred thousand dollar paid for house between get this is unbelievable. Body dies. They asked why it a cow. Thank you why it go you guys, absolutely incredible. It's gotta be a story here

show me: how does this happen? Twenty three month she started Twenty two, sir, as a year. Tell me what what an, though you tell me, I should happen so I grew up kind of knowing about you might die prototypes about you. Throw You don't really live by it, but we got a new about you in your principles. I would like I'm gonna go to college and I'm gonna graduate debt free pay off semester, you know and as high as I do that for the first two years- and there are many Spencer, I kind of told Him- I plan to use like ok we're doing this. So then we did the rest of the rest, my school cash loaded. While then we got me cash flow that and then we bought a house and we're like ok, we're paying this off as quickly as possible, so economy, the Gulf ourselves two years and we did it in twenty three months show did Somebody tell you you should do this. I may not really my aunt and uncle gave us the book complete gotta money for a wedding, and now we can read through it.

We're not very good at reading, just sit down a written, so we can. I would just read it in the car she'd read it aloud, governor I've been while she was driving, and so it can went through in so what we decided by the house. We know followed principles put on fifteen year, fixed rate in the Metro payment, one more than a quarter of our take on pay and words said we're we're gonna, kill it get on it. You look up and did you when you bought it, did you think you would pay it off in two years? Maybe not quite that fast, but once we started going down some chunks of money, we looked at it. We're, like you, know at least said our goal at you know twenty four months and we should do it in December of last year. We are like hey? We can finish this mindless, do it as a Christmas present was kill it month, early illegal shall Emily. You were just coming out of school. That's what you getting the job! is that right. Why didn't work? I was going to school for education, so the lesson that strike at work at all and so that we are only at that. Fifty one

Right I got your ok should then you come out and out of school, take the full time job. In both of you, work, an extra and everything else, all kinds of different jobs. Everything is going crazy for a period of time so spent every year. It was your family do intentionally or did you grow up? No, I mean I never really had even harder you until I started out Emily and her dead. You know, has some your videos and couple books and stuff and sounds like this. Guy seems like he knows we stop about. So both of you just kind of its your nature, we have avoided dad. I mean it, you just do as a natural thing for you and that that it probably somewhat attracted you know each other than to while amazing way to go. You too, I mean. Did you have people? I mean that the debt or their cheerleaders in the offing. Where I mean people, don't you to go on? You can do this in our most people. Don't

you're, crazy yeah, most people were terrorists, almost touching her parents and stuff area everytime engulf, though down a couple grant or a few grana down on the house, we tell him about it. They blocked as awesome just keep plugin way out and keep Ellen keep Ellen, and I were actually after you, coordinators that were to start our second class. This pass Wednesday and I haven't community. It is really important in just your accountability and stuff, like that, the community shall encouraging, because, like everybody's own far buys Gazelle Indians live, unlike nobody else, and no one here you have to do it. I mean it's like adults,. A rule, but I mean a slight you'd feel weird. You feel like a hypocrite if you weren't into it so and you your second class. So most of the time you ve been doing this. You ve, been through a couple calashes during the twenty four months, well thanks for lead. Mc clash, gotta be put, aspiring to have your coordinator, walking on twenty four miles by four shut up. Yeah. Really, I think they can go. You knows that

really argue that this is this stuff works. While why didn't go you guys? What are you telling the key to getting out of areas. I think he is to just do it. I'm not trying to make us a Nike commercial enough in what is it? Is it just do it like? We were sitting there we're like could have decided to be like everybody else and just you know, spend twenty thirty years with a mortgage, but we decided we were. We were gonna. Do this, and so literally just not be in that victim mentality. Haven't life happen to you. We were gonna happen to life and we're gonna. Do it now start right now? Are you gonna arrest, star, Urundi, so well, the it's gonna be unbelievable. If you keep your eye on the ball and gave the thing between the ditches man, I'm in here the math on where you are and ride up all absolutely incredible Emily. What are you tell us? What are you tell people the key

pretty much the same thing just go ahead and start even eight, and then it's just gonna get easier from their not easy army. It is definitely harbor on its distort it and then you're gonna learn it and get an account building partner. We were both kind of on board from the start was really easy for us to keep each other accountable, but if you don't have an account only partner or you're spouses and on board, if you can't get them on board, just find someone who's gonna stay with you and help you, sir. It is walk you through it. While you were you sound, so simple. What was the hardest part for your told me to tell me something was art blue honestly. For me it was vacations and not even like extravagant long vacations. My grandpa owns a house on Lake in Michigan and places always kind of been home. To me, it's gonna where I grew up going through modern stuff and we don't get to go. There is much we wanted to

We are making a decision that was made that extra money on that last year. We skipped out on a family crews in order to be able, though, some money on house ouch as yet. So what do you want to celebrate now that we are willing to pay for them? I want to buy a nice guitar, but good for you, life you make out that Algeria dream about payment. Why can't you Bobby are, of course you can buy. Guitar Emily. What are you gonna do to celebrate we'll get lay sick and that's not five thousand dollars so reticent to save up for another. You know a few months and get lay sick, and then we are looking at buying. Are you no bigger forever home with cash down the lines with how to adjust our saving? For that short moving towards something couple hundred room? While you guys are impressive year. Amazing, I'm twenty four years, oh wow wow we get a copy acres opens retire inspired. But for you Is the next chapter in nearest or you will be millionaires and quickly

Your thirty easy, oh my gosh, amazing amazing, so congratulations! You two Spencer and Emily from love. All Kentucky. Seventy thousand dollars paid off in twenty three months, making fifty one two hundred more and that includes they paid off their house. Now, Canada, what's zero dead, free scream. Three too when you see what I'm afraid of the millennium. Havana gobble up, like that you're becoming Vienna. Millennials, because there's a whole bunch of fallen back category two wow, that's so impressive. They get on and they get. Ma Am

Is there not only leaving their enthusiastically ignorant too, but the ones that our own man, these that back that couple they get a dying man? That's just dead! press it very, very, very well done. This is the day Ramsay chef. Europe has never had another that payment or they never. I don't got a belt. You got rid of that stood alone. That's been rounds along like path, You never had another carping. What, if

had or about money again, be willing to do we get there. The change? A lot of stuff? For sure I mean you have to take some stupid, Have you been doing off your list of things to do right? I did I used to do stupid zeros on the and exactly what it looks like look in the mirror and there was stupid. You got change right, you can't keep doing the same thing over and over ninety unexpected different result as the definition of insanity. How do you change The only way I've ever figured out the people changes you give them information that they didn't? Have you put them in? Mmm unity that walks with them. Some accountable and encourages them, and you should very clear path for transformation. You dont want to be normal. You don't wanna be normal, European University has helped about five million people, take control of their money and

their lives. You join one of these groups and get a membership. The lash you a year for the online and they every dollar plastics. Your bank and you gotta, one of them Option go the nine lessons at your local church and will give you the kid to go through that and you learn to stay on a budget. A written plan Using that every dollar aptly most robust, beautiful app out there when it comes to budgeting, four million people now using that I up you can try for free. If you want. But if you want to get in financial picture, burst into that one, your membership and and then go to the group, it's gonna change everything for you, because you can't be we will not allow you to be comfortable being normal anymore check, it weather dot com visit, financial peace University or call AAA twenty two piece: eight hundred and eighty eight two hundred and twenty seven three thousand two hundred and twenty three

you lost altogether several years ago, the one a very first are teaching staff. Thirty years ago a sharp pulling up statistics, the Wall Street Journal seven. Son of Americans are living pay check. The paycheck remains so out of tune. Houses on your street have too much money left at the end of the money normal as a car. Payment of student loans, Mastercard Discover card at American Express Card, normal is. If I go on vacation, I pay for it for the next year after a goal. Vacation normal is Christmas. As a crisis, normally as the brakes glottal my car the tires got on my courage: a crisis normally have no freaking idea how my kid is going to go to college and I feel like a dog, because I have not done a good job weapon for my own good. Normal is, I don't know how then retire and I'm really sure that social insecurity is a stupid plan, but have not done. About these are all normal things normal. The number one thing couples fight about in their marriage is money. I think-

we say to so normal shocks will be normal. How many more anything dilemma normal is not ok. Now I love that scripture and Romans answers be not conformed to this world, don't be normal Find out what people are doing that are not winning and don't do that hello. Is that what you're saying don't be conformed to this world? Don't do what people that are losing are doing and expect when I don't know why that's rocket science, but it seems to be in that scripture continuous, has but be transformed, our? U transformed, Were you ever transform? I've been transformed in different areas of my life.

I'm married thirty, seven years. It's a really good thing for sure and she's not married. The same got married her thirty seven years ago. Does he was torp. I'm a lot better person than I was thirty seven years ago. Oh I've not arrived. I believe you me she'll, tell you that's right up to your gayness, don't get her started, but She also in a moment of weakness, will tell you the truth, and that is that, thank God, her husband's, not who she married thirty seven years ago, have your been transformed carbon transform. I'm a better dad, I'm a better grandpa than I was very dear Papa Day. Man thought alone are great. Kids are gonna, be out of a measure to their parents. Are you? better than you used to be something I hope so I hope you're getting better or you were transformed me not conformed to this world, but be transformed transformation beach.

Formed now. This is by the renewing of your mind. Have new have action in your brain. She didn't have quite a lot of you. Listen to the show, listen for new information and for the inspiration that comes from people that call an indigo while that Lady Justice Department, that guy just inspired me that debt free scream just inspired me you do not listen the for the fact that this show has absolute new content everyday, because basically, the same content everyday for twenty five: the same thing over and over operate your tone. They got. You say the same thing over and over and so do you you got one story: don't you surrounding the cost right only come up. I got one, I'm a wanderer pony. I help you as one their lives and believe that they can take the steps.

To not only get away from the edge of the cliff financially but then also become wealthy. Exactly how to become a millionaire exactly how to become a multi manner- and it's not theory is proven now tens of millions of people last year the warriors of done this last year alone, the debt free screams were over fifty million dollars on the ship, that's the ones that were on the air doing their screaming, and it's a six week white lists to get on the air here And we know let everybody own if you're still using your stupid credit cards, wanna go. Let you do that for each Graham, you don't qualify. You figured it out yet. And not everybody gets on their wants to get on the qualified. So there is not a privilege does not arise

something we do to inspire the listener. It's not for you for the listener be not conform to this. Work will be transformed new information in your brain new inspiration in your brain. The renewing of your mind, the renewing a my mind, Yama pasture, does tell the same stories essentially that more than thirty seven years I've been going to church thirty five years of being on a jerk I'm still here in the same stories, but you know why every Sunday, their different Arthur everyone is another experience. The gardener twig, our oh, how we'll go causes some obligation You go for renewing of your mind. It transformed you, transformed you and that's what we're doing here.

And that's what you need to embrace, because I gotta tell you you don't get transformed by our most as you get transform back you, you get your mind renewed, and then you change your habit. You change your decision to change your beliefs. First, you change your attitude, second in the neck cause you to change your following your activities, and so you Jane beliefs about that and change your added towards that end action. Is you get out of there and that's when you get out the credit cards and actually cut them up? that's when you look over NGO I've, twenty two thousand dollars and Muslim is given over to a thousand or that one must go in there. Just cause you and read the checks on reason. You'd be out of that like run at this moment, but say that If you haven't done that yet that means your belief system has not changed, you have not yet France form? So I shall I worked. It does that's what we do here or about making. You believe that if you plant corn,

when will grow so plant, some corn, that you're gonna report you. So if you'll tell These steps, if you submit yourself to a different path, such than you ever used before you're gonna get a different result than you ve ever gotten before. If you want to get some then you ve never gotten before you gotta, do something you ve never done before in your marriage. In your career and your money, so you need to adjust refurbished yourselves at work and say I'm am actually gonna work while I'm at work. Why are a breakthrough Transformational transformational, you believe,

the master change that something goods gonna happen. If you do that, because otherwise you do you want to carry on the little man gangrene flame, everybody else, crap that you might have changed its time and not be normal, normal sucks transport, this, if it ever amnesia guises change Giles producer of the day, I'm excited to announce the more now very six hundred radio stations across the country. If I wonder you had today, rangy doktor slash

Have you got questions about retirement, investing becoming an everyday millionaire, go beggar and broader with my man Chris open on the gross organ. Shall I M excited to be able to talk to you all week in week out we're going to focus on your calls and it's going to focus on building well investing and how to become an everyday millionaire subscribe to the crucial can show wherever you listen about gas, hey. It's you producer of the day. Ramsay show this