What is your view? I am reasonably broadcasting from that olive oil studios. It's about day, rambling, we're debtors, DOM casual gaming and paid all mortgage has taken place in the Bmw status, some children and they ran through your hostesses. Your show open phones, a triple eight to five five. Two to five: that's AAA a too I've, five, two to five starting off there there's gonna, be Whitney in Laos and are in Louisiana High when they welcomed that I Ramses

How are you doing better than I deserve? What's up, Well, I'm I found you a few months ago and so January me my husband, please sign up for the financial peace universities, though still working on that, but we ve been, you know all you do catch the boy and on, but but during which we ve never done before. I wish I would apparently years ago could there's gotta be a lot different, but my question is, though, my husband has a very good job at a deal right, nail very good benefit, but He wanted to get out of their way to build a house, so he really calls the quit his very good. In their work after World WAR Ii, the down he works at now, every night, but If you want to go off to war, it make either a hundred. A hundred thousand dollars more year. He wouldn't be here. Every night and where we are commerce, you know I don't want him to do it, but he won't to

I want to get your advice and it was worth it the home. Every night show does make now as a good job after tat. He makes about seventy five thousand hours She's my thereby making about ninety ninety five right, yeah, ok understood so the offshore gig pays round two hundred yeah occur and how much daddy you Gaza, we have forty six thousand dollars, I'm a dead, that's my including our land, but just send me out other programme and how long the other man we ve been married. They'll be back in September. My kids regard we have to

No one year old and a three year old. I really appreciate his willingness to sacrifice for the future the family. I got very admirable on his part and there's not a wrong answer here. The way I answer questions is what would I do if I woke up in your shoes. If I've been married five years- and I have one you're over a three year old- I'm gonna stay at the current job. Yet that's what I'm had been that we do yeah! That's what I'm gonna do, because the gain is not worth the loss now if he had to work some extra hours and be away a little bit, that's different, but he's not. Be home, but to weakens a month of ease off shore right here and that's for a six month. Contract or your contract. Yeah, probably so, he'll public do that. You know for the next couple years, Polly being gone to eat all too weak that

my dad always wasn't. I think how it was growing up and a home for your dad was never home, and I just don't want that Bert, where the problem is it, you could do it for a year and it wouldn't hurt, have an extra hundred grand, though toward your, how you know your own all program right, but the problem is when I was home is not got the other job here he would lose that position, It's not really shooting there waiting on my right now faced where he worked, want your go, you're gone driver, and so now what I pick up, some o t what I pick up: Assad Hustle

you bet. I do all that. I did all that. I work my tail off, but I and I had a couple of times. I was gone for a month and a half on a book tour when our kids were little and I kind of a thing. But but you know, given the choice, which is what you've got is a choice. It's in front of you, I'm going to choose a quality of life and pick up the extra hours and extra income from other stuff and some slow my program down a little bit. But I'll have this neat thing, family as I go yeah that's what I personally would do, but again there's not a wrong answer. If you call me, I said I'm ok with it and I want to get home you'll find some male. She always does yours lands on his feet and he's not there for two years and we can tolerated and you are all in not obtain knotted, which I personally couldn't do it I'm such a worse. I'm such a home body,

I don't know I've been gone a month in Australia and it wasn't stemming from the finest places in the world, but I was sure dad come right in front of my fire and my recline or when I got home I mean I'm just that guy, I'm not that stuff only has so much appealed to me be out there. Now. My wife, on the other hand, would live. Suitcase, but so thus we end up in Australia for a month, but the other that that's the thing right. So you just gotta balances out now want things are due to is. I do believe that you know your vote. The way you feel about this is a big deal and I'm kind of depending on it. Your opinion in when I'm answering the question here, how you feel it It matters to answer all of that. To say it's not a bad thing to go. Do that if we're both on board since you're, not, on board. I personally wouldn't do it even though on big about getting out a dead on big on increasing income, but that sacrifices. That's a tough

Professor make it right there as Miranda is where this in California higher Marilla. Welcomes that every measure he data come back Certainly how do I know I'm gonna ask you this morning after this question for a while. So will you can answer from you in guide me in the right direction? So I currently work for. Get a California, so I'm on a pension plan for retirement, I'm not really happy there anymore than the nine years, the workload is structural. Management morale, as long as I have a job offer for ninety make ninety five thousand year right now I make about a hundred and ten, and I was just wondering what you do about pension plans for retirement, or should it be known That's what I'm looking for a one k, L rather before one carry than a pension, does you control it open

and I wouldn't stay in a job. I hate for pension I dont know why a bar you taken a pay, cut most determined that you do is worth more in the open market than the state will pay more that's their job. Eventually make as much as I want, depending on my patient load that I see so the more patience and unity the more I could make it up to me. But I was writing off at nine. Ninety five thousand. Would you mind putting you quickly get back to your old income right? I'm sure? Ok, you ve got no angel. I don't see any reason whatsoever to stay in the day you don't get there, you don't lie there it didn't, have upset essential the workload in distress and roused bad. Why you know you can make some money somewhere else go somewhere else. Do it recovery would live in Russia.

This is the diver amnesia yeah, switch your cellular service to beer, talk, USA and save money. Jasmine from main said. I heard about pure talk, USA from Dave Ramsay Peer Talk, USA is the best cell phone service. I have ever had folks all of pure talk. Usa plans include unlimited talk text and that and no contracts try risk free. Today

all pound, to fifty say the key words Dave Ramsay and receive fifty percent off your first month, that's pound to fifty key words Dave Ramsay. You were joining as America were glad you're here, open phones AAA eight to five five, two to five, If you're married, you know the number one chance for marital discord. The chance for you to have a big fight is about money. The number one cause of divorce in America is money fights of money problems. If you avoid money conversations, because her too painful or they turn into fights, having an honest conversation about money is one of the most important things you can

for your relationship, your money, your family and you'll never reach any money, go not quickly or easily, anyway, the most efficient ways working together. I mean when your point at each other in your porn apart when I've got one agenda, the other one has the other agenda, which is almost impossible house divided House divided, don't be a house divided, be working together. You won't do it together. The easiest way that I know is to put every dollar on your phone. Every dollar is the world's best, but Software, it's ours, is completely free and put on your phone put on your spouses phone. If you pay a little fee, you can hooking up to the bank. As I charges of Asia will charge you away and you can hook up to the bank and then you get all your debit card charges automatically download into your budget takes about ten minutes. Fifty miss do your

and, if you're living in separate areas like, for instance, your military, your spouse of military and deployed, then you can still work. The budget together is all right there on the phone. If you one of your travels alot truck driver that kind of thing, then you can still work your budget together. It's right there on the phone right there on the computer to really easy sinks across multiple devices. We can be on the same page with our spending on the same page with our saving on the same page with our debt reduction, So you want to your money goals together: text every dollar, two thirty, three, seven, eighty, nine and we'll get you started. That's every dollar text it the word: every dollar, no spacious, every dollar, two thirty, three, seven Eight nine Jenny is whether such taxes, I generally welcome to the programmes we shall. I thank you for taking our car sure. What's up.

So my husband and I are trying to figure out what our family, by moving, we love, buying and selling real estate, We were all our second house were not very period drinking by it. We have good echo are now right now and we're trying to decide. I mention just one time to him: hey if we bought a town house over in one in Montgomery and community closer we can t get free and like pay for the thing with cash two hundred thousand dollars, and he had not forgotten about- is he's like you ruined me. That's all I can think about now spoke. We're trying to figure out. Is that what we should do that makes for a family. So if you do that, are you going to continue to do? Flips probably not the end. We haven't really doing what they really think rightly are per child with residence. Or will we get up a bit of updating to it, nothing credit!

but we make their money on it. We shall get your household income one forty much more tax, in your? How are your, however? Twenty nine ok and you have you ever have paid for how should be a hundred percent that free and I now we would be happy in there and you be happy in their place. Well, that's the kind of is right. Now, we're like a three thousand Square Foot House in a town home would be like eighteen I didn't know, yard and we're on border have maker and we're China. If I like, is that? Is it Why is it to be that free and I had a mortgage- I wouldn't be able to look passes. Those in ending in says: if you well, for having less gazing Mariar drifted, we have high girl, yes, sir, they play in the yard. She plainly yeah, you guys, I'm in town. We bear compared to the mother neighbourhood, we're trying to guess. I owe you go to park well, there's nothing wrong with either answer it's a matter which, when you want to do

either way. We ve got a long term plan a five year plan to get you out of that right, stay in the house around you're gonna pay it down and get paid off right. We would try been cried belonging to really want you make a hundred and forty. What do you want to seventy? Why wouldn't take five years? Ok, Many other bat seventy a year when we do years thirty, five year would be four years yeah build? you haven't Bialik without IRAN, the Toronto, not one thirty, I did it. I did do Iraq, so seventy four. Seventy would be I'm sorry. Ok, you should to seventy zero, ok

at the death of my waking, can't you you're done incredibly great now. Ok, so young, a safe, so five years would be like fifty five thousand a year. Now, let's power five year plan and your thing your thirty years, all right we're right. So that's not the other way. It just depends on what you one day young people for either thing, and I would not move into the town house and then turn around and move back into debt again, if you're gonna make that move, make it the last one in terms idea, and you say we go stay there until we save up the cash to move up a yak, I am doing We would be able to save. Even warming right now are putting a wailing two and three no- the monk gets in aiding, though have a good saving they'll terribly like fifty four in aiding are we. I wouldn't get that down to your emergency fund of three to six months of expense. Rarely keep

drove out of the house are thrown at the house and what the hell's paid happen. Prevention, atonement, of the house On three dollars a month and savings and had thrown at their house, ok, I must get the house paid off we know we know you can do forty thousand our view now right, right and fluently aka shout about that in the two seventy. Would you get your there you can do it. So I just matter where do you guys wanna? Do you dont ones, file on me at the end of the day you're forty years old you and be sitting in a very nice paid for house in either one of these scenarios, and you can we make a lot of money and you're gonna be on your way to being very, very wealthy.

So either one nation areas take you there. So that's why I'm ok, whether she would undermine looking at the long term effect of this. You don't make that much headway by moving into debt free this quickly. By going to the town out she makes you do have the psychological benefit and spiritual benefit of borrowers, slavery. The lender- and I don't know anybody believe me- that is a wonderful place to be- and I want that for everyone listening, but it's up to you how quickly you wanna do that and arm, she went to push this through so either ways: ok, you'd, but you gotta be committed to stick it out if you're gonna go in there. This is a four year commitment to live in that town house. Your child will be nine before you move or ten annual saved up the money move back into a similar home to watch her and now with cash beyond the town. Mouse is what you would have done and that's what I would do. One of those two:

the question open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five or so glad you're with us. America in Tennessee High Miranda. Welcome that I Ramsay Shop how are you better than I deserve? What's up yeah? Well, I thought your past about. Weeks ago, and I saw that I'm not doing good ever thought as such. My boyfriend and I are planning get married, and about two years we ve been together. Eight years told all and work together. Some ice border make a good life for ourselves, but turned out everything we thought was smart once a little bed. He has about that. Five thousand dollars always student at, and I have about a hundred thousand that still growing and I'm starting to get really scared

about the wedding in the way that we want and how far out of reach is becoming cause. Recommending a ten thirty alone, repayment plan that I just can't imagine living with this thou on. So yours still being given now, I'm two years, and a four year, doktor of Automaton programme, that's good, My good money when you get out largely completed in itself, or so he had waited with a computer science agree. I'm working, but I for about a year and he made by about fifty five sixty thousand a year. They were held on. We come back in a bright, brought up this through and decide what the best course of action for years this

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Did you to live on less than you make the concept gardeners guest grasp? This is: rams issue into Miranda in Tennessee. Miranda's too into her optometrist degree as two more years. No, she and her boyfriend are planning to get married. He makes fifty five at you PS and ashes degree. They ve got a pile of debt between the two of em and trying to figure out which one goes. First them rage or other money or the degrees are all this stuff a first summary what you told me so far: yeah Santa ok. How old are you guys? Go, I'm twenty three and twenty four ok cool show. When do you plan to get me

I'm more pointing to get married are twelve year anniversary, which the peace that summer night of twenty to twenty two larger leaving not enough time. Well, we just don't have any money. Do you know the new Yorker New discuss? Go I'm so I'm I'm into the greens are also getting my masters and dead Man I'm a woman, twenty eight credit hours, but I do on tutoring as well as on sunset, all work study, but I make like maybe a hundred a hundred fifty a month. Nothing for you. And so do you. You live at home where you live with him. He moved what many members were both from a higher budget. I can show you the two of you live together members, Yeah- and I realise that your problem like this, but

yeah kind of my only source of income here, so I don't have to take out extra while to live so. In the end, we really would like to be married said began urgent. Once asked oh, give me yeah yeah. I thought about that. I guess it's the dream, like the normal people during your mother s, wedding and more had people don't move templates together with their twenty three right. That's the problem. You made decisions that a box yourself into this and You ve got. You know you ve got so many things on your plate. Things are falling off your plate, yeah! That's why you're strand poison, If the rising and I keep yeah originally, they said a hundred thousand- and now I'm probably gonna graduate with a hundred and fifty plus. So you got you gotta limit that that's that's, get not a control yourself and all measure, so

write the advice I give Miranda on the show here is, and it's just it's been an easy way for me to control my ethics and my opinions over the years is, if I woke up in your shoes, what would I do when I turn sixty this year? So it's Relative okay, so instead I would say I've got my youngest child is twenty eight and married. So if one of my kids or their friends was sitting at my kitchen table that I love dearly and told me the story, what I would tell them to do is get married this weekend. And have a celebration of some kind when you graduate when you ve got some money, because you ve got your how many things on your plate and you are in a very precarious, very dangerous situation. You have no income.

Progressively going deeper into debt, show your one hundred percent dependent upon him and, if you're gonna to Agnes married you might as well be married. That's what I would tell somebody that I love. Line and you do what you wanted. You called me a Londoner levy and tell you the truth of what I would do. Look as I think it's gonna be you're an advantage that the two of you will look at this: the debt that you both have the future that you have differently once you're married, but instead you ve got like this extra bill laying out there for this cannon, Barbie wedding that use play when you were six down down to an I ll dolls go down the aisle down down down down down to end and you ve got that in your head. Right but you may decisions that did away with that. You want a hundred fifty thousand dollars in that moved in with a guy Memphis, and so,

you ve made decisions that have put you where you are and I'm not mad at you, I just wouldn't you know I think you gave up as the fantasy wedding when you didn't do it in this way. And because you don't have the money and you're not gonna, have the money for a year. For years you right, I mean fifty five. That is not going to feed you all and get you guys through all this stuff and fight the debt that you both have and pay for a nice wedding in two years. While you go to school is just not on do you know where the money. So you might as well get married and then let's fighters together and show, then you roll up their sleeves, and you say art get burned two thousand dollars in that it will unify through loses. You should make a hundred people and get his income up towards their as his career in I t progresses, and if you get up to make a couple of hundred a year after you graduate, you can clean up a couple hundred fairly quickly.

But you know: something's gonna go sideways year in a row problem if you dont, because you just vulnerable you're in a very dangerous precarious situation, you do what you want it, but that is certainly what I would tell you to do. I thanks for coming an open forms, a triple eight, eight to five five, two to five, you jump and we'll talk about your life and your money. It is a free call. Some say they advice is worth exactly what you pay if you're married and you fight about money, you're, not alone, money is one of the main issues. Married couples argue about was talking about that. Ago array. Study shows that more the more debt a couple has, the more they argue about money and couples in healthy marriages are more likely to talk about their money. Go The attribution of is the best plan to teach you, your spouse, how to get on. Same page and work together. All the data points we have of millionaires. We find all

ocean, no millionaires who become millionaires against their spouses will, in spite of the princes, in spite of the immature little boy who buy toys all the time in a man's body, We find almost no one does that we find couple should decide to gather that they are going to hit and achieve goals in that's what to be sure. Firstly, does it make you work together on your money? So if you want to know more about I just gotta die Ramsay dot com, click on financial peace, university or call customer care are customer rams concierge team, a AAA twenty two piece, eight hundred and eighty eight two hundred and twenty seven three thousand two hundred and twenty three venetian tax. So you re welcome today. Ramsay shall are you don't say

better than I deserve. What's up? Ok, so I'm twenty five and my wife is twenty four been married for three years and were expecting our second kid and right yet to settle. The question is why about sixty two in their bid, decay soon, loam Sporty almost car alone and the rest are credit cards and medical dead. Your maid sixty nine came before taboos and on my question is, is my car alone. My wife, I mean my mom CO, signed on it and I'll show. You see, it'll be ok, the move that up with a debt snowball because its affecting per trying to buy a house, and they would also help me be able to apply more money towards that after the baby count. I wouldn't I wouldn't do it because it

much more apply more money. It s eggs at no mathematical effect that way, working that at snowballing orders. What I would recommend you do now, if you need to help your mom, and you may get this thing cleared. You only o four grand on right. You, sir! There! If you move it up, because your mom's at a pinch, because you guys do the stupid cushioning deal yeah. We might do it for that reason, but it does not make sense to remove it unless she need you to ok, Sir, that be the only reason I would do it. I must thank you for calling him open phones a triple. I ate two five, five, two to five, not to pick on him and his mom, but because it made me think about it. Never coastline.

Never get a co shiner ever it never ends up being fun. Never to someone can we have you not close on that, and it was just the most wonderful thing. I've never heard that one time it always ends up brain stress and problems, questions and messrs off man, a man, a man, never coasts. I never get a good sign This is that Dave Ramsey show

shot. You knowledge fondly at sixty years old. I can learn and saying as an Austrian, I muster airlines and their asking me about Rupert Murdoch. There's australian, who started Fox NEWS, showed think about you. Mustn't worry I'll, think about him, and they should. We have a saying in Australia called tall Poppy, and I'm up. I had never heard that an Currently, there is a thing going all the way back to greek mythology. That says that, in a pop field when one of the poppies sticks its head up and gets to be taller than the other poppies that someone cuts it down. And so the australian saying as if someone becomes fame or someone becomes wealthier? Someone succeeds, we feel like we have to cut them down. You ve heard of that in America

call it all Bobby, but we do it all the time like we teach people be deal don't save your money work hard, be excellent at your job, but forgot sites don't succeed because succeed than your unable rich person? That's tall poppy syndrome right the same thing: It's it's one of the most evil sins that are out there. One of the deadly sins of seven deadly sins. Envy jealousy is, I want one have envious. I dont think I can have it. So I don't want you to have it. You can celebrate someone else's success ever when you have envy that's tall poppy syndrome, anyone who become successful. We relation the idea that they must be torn down. We relish the idea that, oh, if he or she has built wealth if he or she has become successful in their chosen gotten into the spotlight.

Because of their success than they must be evil and they must be. Down and we are somewhat gleeful when they crash or when someone can crush them, and so we're always king for something to be pissed off about when it comes to the successful the wealthy and at an that's immaturity it sin? It's called envy and creeps into power decks and others hoping whereby needs to have the same income. Socialism crap in Airbus, not gonna, have the same income does thereby, then work is harder by us. Thereby not smart as thereby else, I'm not a smart people who make more money than me. People. Smart me to make less might make us, don't do anything with their intelligence but their people. A lot smarter than may make a lot more money than me, mad about that? I'm gonna do what I can. With what I got. I'm not gonna be on the cover of G Q magazine. I gotta face for radio.

So the chances of me making big as a male model is zero unless they need a balloon PA. Ok, so I'm ok with that I want to work with what I got, but if you want to if somebody is a beautiful person and they can make money, offer that not theirs thing wrong with that things are not equal in this world, and so incomes and wealth or not gonna, be equal in this world. Get over yourself. You're, not you squat you're not entitled to anything little snowflake I'll bring that up, because I got this this article came across my desk and is just interesting Jeff Basis or the wealthy people in the world to spot David Gryffons. How

four hundred and sixty five million dollars in LOS Angeles, they all time allay home, purchase, record hundred and sixty five me, and can you imagine most of us can't I can imagine the Jeff do something or starry very bad for you orange version. Yours wireless for well, let me tell you how you can track yourself on the scaffold and I had to learn to do this because I know People now neighbourhood lobby, blogger up, would not all, but some are they just like What are they won't have to publish a drama just want her down any by whose rich anybody who has done well? I'm out no Jeff basis from beans.

What kind of character the man has not defending their love. Underfunding is right to make a hundred sixty five million dollar purchase on a home because here's the ratios, that's like the average american friend we as a ratio of his day at him, spent in one sixty five? It's like the typical person. Listening to me right now buying something for one hundred and twenty two dollars. That's how big a decision this was for him. It wasn't. It wasn't sweat off of his well, he didn't think about it. He didn't wringing his hands and wonder if he could afford it, any more than you do when you spend a hundred and twenty two dollars on a night out at a dinner, and some of you spend that peat someplace feeding your whole freaking tribe, right

so eight before you start judging someone else on what they spent something on. Do some ratios and it'll keep your it'll, keep your spirit straight and will keep you from falling into the sin of envy, which is, I don't think I can have what you have, and so I don't want you to have it now. I think the probability of day Ramsay ever buying a hundred sixty five made. Our house is very low because I don't think I will build the level of wealth in my lifetime. That basis is built. I dont see it in my future. Maybe I should, bigger, maybe I'd better vision, maybe so forth, but I probably won't be able to do that and I certainly will build on the ratios that he did it on. But I may pollution really nice things that I never dreamed as a little kid. I would get to do and I get hate mail for that They Rams remit alimony on the backs of poor people will think so

forcing by do anything. I was stolen, a money from anybody, and yet some of you people get completely twisted up. I can't believe you spent that when all is not any of your freaking business to start with, but you're falling into that sin of envy, and as long as you hate successful people, it will be very difficult for you to become one. It's very difficult psychologically for you to work very hard to become something you to test and so teaching our children. That wealth is evil teaching our children that wealth, PETE, wealthy people are evil inherently because they have money teaching our children that becoming successful causes. You do that. You should be torn down tall poppy syndrome.

It's it's really bad medicine in America today teaching you that you should make money, because you breathe air that you deserve a universal minimum wage horse. Crap, you don't deserve nothing. The guy my office one day a few years ago, come in he's got all these degrees like six different degrees or whatever he's got more degrees than a thermometer work wash and he's like knave Gaza degrees. Like me, we make a whole lot more than make here, and so will you should go get the job they should we may ass well a small businessman, ears way work here. Your raise is give when you are when you get up, leave the cave something a dragon how money I will share it with you.

If you want to do it on your own I'll, be your biggest cheer later. I don't carry the way, but this idea that you're you're do money, because you have a degree bouck Wrap your do money because you bree their book. Crap you're not do nothing. Do squat, snowflake buckle up Buttercup go get something done. Then you deserve it. Leave the cave, kill something and drag it home prove you have value in the marketplace, but there's a reason that people don't get paid much Mcdonald's cause. Any idiot can work there. It's the bottom of the food chain, no pun intended. You know, I'm not mad at me. Knowledge, but if you can't flop a whopper, you really have fairly low skills. Get you from skills baby and don't be mad at Jeff Base she spent a hundred twenty dollars compared to you shouldn't be views of ham and turned him down the people rip off baisers over this again, I'm not defending Jeff.

I know him. I have no idea about personal lifers character. I don't know what is business. Practices are I am the scenes. I know he owns animals on our wounds. Half the world right now, I'm not mad about that. I didn't invent Amazon, it's not my money. If I'd come up with it catch. The check because muesli serving a lot of people, even if you don't agree with that, you're buying from all the time. Obviously so you paid for that house because he provided you a service. So stop your tall poppy syndrome. Stop the envy. It's evil! It's evil. They'll be productive. This is that I am shocked,

hey it's Kelly since you producer imposed reign over the Dame Ramsay Show, if you would like it to your debray scream, live on the show make sure you visit, Dave, Ramsay, dot com flash, so it register. We would love for you to cut the national until Dave your story 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, Christie right and I help women all over the country, take their ideas and passions and Hobbes and turn them into profitable business. 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 on the business duty podcast, where we are equipping women to make money doing what they like to hear more from the remedy network, including Christie, large business, booty podcast wherever you listened Abad, gush, hey it's producer of the day. Ramsay show this