From the headquarters of rambling solutions. Broadcasting from our car rental studios adds that day. Ramsay show where that is down just came in the pay of mortgage has taken the place of double your status symbol of Troy. My college today only a number one by showing author Ramsay Personality, Rachel crews joins me, also daughter, will be answering your questions or eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five you're. Actually, my daughter first and then your number one best selling author registered switch the Vatican.

TAT was yet the straight, and this is what must the right of the announcement here present? What we're doing, though, as I said at the worst thing, about failing businesses alike technically, I would be an author, first daughter. Second in the seat- the first common cold data set us probably true. Outworks keep the levels anyway word, confused about helping you all the soon can be open forms, a triple eight, eight to five five, two to five triple eight, eight, to five five, to two vital to talk about your life. And your money? Sarah starts off this. Our insert use New York. I Sarah. How are you gave her you better are. I deserve what's up

it all is well, I'm a merely glad that you guys with my colleague, really appreciate it, though I am twenty two year old, grad student, I just graduated my bachelors, this past, nay, nay. My question slave, for you guys is, should I actually continue but my great studies, or should I try and enter the job market right now. What use around or a lucrative I'm just a little bit of background, I am about, nineteen thousand dollars an undergraduate gap, but I've saved up for ten thousand dollars in this past year and its bad chunk of my that, I'm really trying to figure out what to do with an isolated up initially, but I could cash flow my first year of graduate school that would cover all my tuition cause but honestly that Democrats me rethinking everything lately and I just want to make sure that I am making the best move my future right now, the on the other. We start with the idea that knowledge is better than lack of knowledge, and so no,

Stuff is always a good thing. It lowers your pain, live over. You know, stuff and so we are not against school are academia, but we are. I don't want people thinking that school are academia is necessarily the key to success. Because there are no studies that show that now what which was asking what field of study are you in I'm going into public administration sure I've actually worked and public administration for the past year. In that's really where I found my Kirk all an interest then said you have to have this graduate degree in origin that concern you ve been doing it, though, for the past year, where you been doing for the past year, has been I've been working, couldn't stay. Actually I don't necessarily you could agree, but I think that it would help me long term in the field. Well, sir, if I woke up in your shoes tomorrow, continue to stay and a job feel the Turin continue working that which you ve been doing, because you are able to do the job without the degree

glad and paid on our citizens. And then, if you want to go back to grad school and maybe near three four years, when you have saved up money, then that's an option. In school? Now MIKE? It's all gonna be online like it's. It's all. It's all funky now education, as because of covert nineteen and to wish its have not even they haven't. They haven't. Creasy at all, even though everything's online legacies, it's such a wonky time right now. So, if I were you, if you are able to do the job, you wanna do without the graduate degree go anywhere and do that and then, if you look up in a few years, as I know, I really do need a discreet, maybe get a different job or the like you're saying to admit. Something when you to what is your job with your career path, to work in public finance so that the career championing commissioner finance for the state of New York that would be, I d go oh yeah warm and you're forty, two one we were dreaming were projecting up if not you're the

the right hand, assist and who does all the actual work and I'm getting the credit right either ones. Ok, this estate government we're talking about. Ok, yeah. Do you not? But that's that's! That's your path! Ok! Now I am not an expert on that truth. On that career feel proud. I mean, I know a lot about logical airfield from having done financial coaching with the different fields. Just I've got an idea what people Can those kinds of things my perspective with my limited knowledge, is that you will need the masters in public administration to advance because it's probably gonna be a barrier for you to get into upper leadership positions within a state in because I think a lot of your peers will have that. Am I correct yeah fuck what I was thinking on, but I got a lot of people believe they get a couple years and they go back for the degree and I cannot just taking a different, but that's what I was gonna suggest, which is kind of a combination of Rachel,

go ahead. Take the job see if the state will pick up the bill by the way for the two issues that some states state employees go to state universities, free yeah, it's lovely. I think I should have clarified so my position is actually an internship. What my programming ok but body, but you're making money your foot in the door, if you can land position at every level position and get started and lack Rachel Let's what this resettling of higher education occur over the next twenty four months, we don't know exactly how much Scott change cannot predict he's gonna change of time, but thing that has happened is that we have Americans have stepped back cause of the student long crisis punch. One then punch too has been co. Said everybody home and all sudden these kids are trying to trying to charge for tuition fees. Our approach for a study from home programme and by God I think so. I think I'm a from TAT the valley

proposition is shifted and so that's a one to punch or by which they were really questioning tuition as long as everything's go along like it was too freakin high, but they weren't you. About it too much unless they were deeply stood alone that because of it now when there are having to go from home there, like think Soule value proposition is not. They are so I think we're ghostly some saddling of something I may just be a price adjustment where we all go higher education. Knowledge is important, but its way freakin overpriced, and so maybe we're gonna have a thing. So I'm with you, the Rachel, I she goes to work for two years. Three years might get on. The state or a pub our city that that the tuition programme and then you Your tail often take your masters at night and finish it up so that by the time you're, twenty eight you ve got your masters and bunch of work experience and by then you're gonna have your career path, dial, learn I like that plan and that free and that free by the one get out of it so yeah.

That's what I would do, I think, you're in a rush- and I again, like you said you can't predicted you know of all- but she probably will need a graduate degree eventually, but I do think it's it's been a it's been aim- or at least it was a few years ago, statistically watching this is the sixth research that that's like the next September, the graduate with the bachelors niches I'll get over to graduate school right. Just becomes that next step. So the fact that your kind of pushing the limits what other options do I have really healthy? Is it's really could have language skills or kick How can we agree with that? It's not automatic and again we're not against masters degrees, we're guess useless masters degrees or measures that have no market value, translation, useless masters, degrees, they're, not record if you're gonna go into sack hall, g and get licensed where the state you have the masters degree it's a precursor. Ok, if you're gonna run it Europe, fifty million dollar business. It's helpful that have a masters and business, but I don't have one regret this

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Abraham, Rachel crew, Rams, your personality newborn by showing author is my co host. Today, we are pre sail on her brand new book that will come out in January. No yourself no your money, and the pressure on this, but we launched a week ago, is that record levels is one of the fastest selling books we have ever launched Rachel. I think you have caught a nerve I think, so I think people are, I think, they're interested yeah. Well. I think that spoke for me as I was writing, not realizing. I am in this one really They came from my heart's. I know the other ones that as well with its harmony, smart, kids, my first book with you, you know, I think I can tell that story of light was high, grew up, love yourself. Sorry

I literally and like you have your love, your life. Not there's only does like I'm not running on my work. I guess, but I their mothers of kindred hours lose their mass shortcuts. That's it s. Like you, I thought there is yet that when came of kind of aid. The comparison obviously was, I was, is still a huge issue and was and my life for sure, but I wanted to like a core money book. You know with my with my thoughts around it and all of that those get inside this book. Just kinda came out of one hundred Let me out, I don't feel like. I have to check any boxes like now that the others were checking boxes, but this was like a full on I wanna write a book about it. My this is it a hundred, and its things I'm learning its things have changed my life and so that's been. That was a fine part as an author that I really just felt felt led to all the continents in it the unprecedented manuscripts giants such as our company, it obviously- and I read them

and charm. I know what you're saying, but no self know your money- discover why you handle money, the way you do and what to do about it. So you ve gotta, got the book broken up into yes, others, eight sections walking these through understanding yourself. So the way I've. Always, though, I was thinking about That's right! The manuscript was Ramsay. We do a great job. Building upon the founding, the people's lives when it comes to their money, and we are the best on the planet, teaching you here's how to budget here's how to get out of debt? you should get out a debt. Here's how to build up your retirement, here's, how to become a millionaire. Here's how to pay your house like we were so good a fats and building upon the foundation. But this book is all going under that foundation of who you are as a person and who is handling the money, you know your money is it, but how much childhood affected, you and the house, you grew up and how your fears and life affects the way you handle money, how your dreams

fact your money, how your tendencies, personality, wise, affect your money, how your relationships in your life affected by him in all the stuff understanding why? This is why I handle money the way I do can it out and all those get eight different sections, four really room. She trod members about the only thing they will see that they ever seen before is nerd. Free spirit are united. Free spirit or our better safer, which stuff we taught in financial beach anniversary. As far back as when you were a little kid, but I made the point that people want every stage one I'm Weren t shirts as on an urgent resolution on the free spirit that kind of stuff searching grained into the pit. Folks that been doing Ramsay stuff for a long time, but you just took that. Chapter going latch helpful to be able to communicate a marriage and go well yeah, you're, you're, more of a detail person and a more of ok about details or you're, more than natural savour, I'm nor that judgment or I gave you a context to have a discussion in your marriage or just looking

often the Marin go. That's who I am, and I've got these positive tendencies. Negative tendencies and use took that general Why d? I? What that little tiny little sliver of an idea? And then you went into the family of all where you come from how'd your family handle money and then how does not affect how you handle money and fears money? Fears, as I think that's probably one most powerful parts of the Gatt going through this really sick? core finance. If there's a lot, but those were the sex that I that I think I hear from all the time, their six of omens so unpacking that interesting. Ok, you know how does that? How does fear in general dictate your life you're even realise that what it does to your psyche in everything and when you can break that down and say: ok, here, the things I can control of it, so that the fears section was. It was an interesting one. We ve got a free money, queers you can take and I'll get you give you an idea. You get started on this whole discussion? It's a great thing is completely free, no strings no salesmen wiggle text

money, quiz one word, no blanks money, quiz to thirty, three, seven eighty nine and get started text money, queers, thirty, three Seven, eighty nine you get started. If you buy now you're If no your money in the priest that we're in the middle of right. Now you get fifty dollars worth of free bonus items. A book actually comes out January five, which will be in twenty minutes, and we will all be chairing because twenty twenty will be No yourself! No! Your money! Audio book is included. No yourself. No, your money, e book is included, excuse video lesson from Rachel. I mean covert Begone, the president election will be gone. Twenty Twond! be gone? This is like this has got em just this I'm following the biggest. New year's Eve Party on them. We need twenty out here and you just predicted cover it's gonna, be on our no other. We only- and I mean all

I'm saying that all in all this blog and now you re always saying because you're always optimistic, which causes me to be optimistically back when all this happened in March, I was like, surely by June, it's all going to be over as fine in June camels, like shown by August everything's fine, then I sure, but yeah so euros optimistic saying. Surely surely those are only don't go material I'd Newark New Jersey, I gather and welcome the diver amnesia. I thank you so much for taking my car share. What's up, I had a question my had been and I were in babies that fixed and last year we took out a thirty year six mortgage before we start listening to you and it with that three point: sixty five percent, the monthly payments about twenty four percent of our take homepage. I recently got a quota we financed to a fifteen year at two point: two: five:

sat with closing cause roughly two thousand dollars, but they would prejudice a thousand dollars because our promotion that you're running so I'm not sure if it's worth it for us to be financed at this point, how much is your own published two hundred? Ninety two thousand, if you save one person what you're gonna show a little more than the right, your interest rate to diverse as your interest rate for the refinancing more, one percent correct it does so in one year you would save one percent on two hundred and twenty five thousand dollars, which would be ok, two thousand turn about tried OPEC, yet it than I do that right and it's only gonna Kasza thousand dollars out of pocket to do this. Yes, so your break even point on this six months after six months, you're gonna be making money not due to the fifteen or the thirty, but due to the interest rate being less, you dont, you don't refinanced to go from a thirty two

if they knew refinanced to save money on interest way. Ok, so if you're going to stay in this home, I would refinance it and it's probably gonna cooperating in its programme bump your payment up when you do fifteen up above where we would like it to be its polygon borrowed uptown around thirty that's not the end of the world, especially if you you, you should your baby steps, you ve got no other debts and especially Papa. That is, if your income is not stagnate. Ok, like five years from now. How much do you think you're income will increase? Will your career to us? Why a cry I dont, luckily increase by here now probably be over two thousand a year and suitable, so that the point of the whole thing on twenty five percent of your take on pay. That's what you are referring to is to not get a house poor gap, making sure that you're,

This is taking over me because we talk people's homes and have their paycheck is going to their house, and it's late, there's no way you're going to make a ton of financial progress when your mortgage is eating up so much but ya. Think you're still in a very position, Catherine to distort finance and if it yeah and if it bumps up close that thirty percent and a few years, but we backed on twenty five percent because of your your income. Shall we used to say you needed to save two percent or more on your interest rate in order to refinance that was a rule of thumb interest rates as low as they are, that form of others, certainly work exactly anymore. So the way you do it, you take how much interest you're going save in dollars with your change, an interest rate annually, and you divide that in your closing cos. She saving two thousand dollars and are closing couch with four thousand dollars means it would take two years to break even

she's can stay in the house longer than two years. She would do it with her promotional situation of mortgage company she's done in six months. It's no brainer do the refinance. This is the Dave Ramsey. And You know what angers me as folks argument. Some were hard times: identity thieves, your using every opportunity to prey on us. The scams are endless. You need to be firm, Saunders on data protection is the only plan I have ever recommended and I've looked at them all. They just do everything in a smarter, more affordable way. Looked most of these plans are just a bunch of hype, not Zander that's why I recommend them to collating

Three five, six, forty to eighty two or visit Zander dot com Our question of the day is from blinds dot com find out for yourself. Why blinds dot com is the number one online retailer of custom window covering you get free samples, free shipping, it with a new, promote they run every month, we'll save even more usual promo code Ramsay to get the best deal so you're, not you not read the question I read it. He's right. It questions from the annual in Florida, my wife and I usually every dollar up consistently. What nearly every dollar. What

We do with extra money left over at the end of the month and a specific line item category. For example, we budget under twenty five dollars for Electric Bell ends up running seven do our shock, that extra money to savings are put it towards dad or user for fund money that I will have an extra hundred fifty to two hundred and extra money in category. Over budgeting because we don't spend all the money. So what would you do are you coming from America and early that here, the cliffs okay? So they budget a hundred reproduction later bill. Seven today of x They come in there, extra money that they don't spend more than an electrical inventions to have a modern, seven hundred twenty five. What do you do with a different yet throw it toward your baby steps? We do not know if you have debt, the extra at the debt. If your billing of emergency fund throw through to the emergency fund now, if you're maybe sets forth or seven, This is where you can kind of like you know. We had put that somewhere and you could have important foreign category inorganic argument if your amazed that twenty three definitely apply to the biggest abstractly, exactly so

basically, though, you're doing you every dollar budget, what happens is that when the real bill comes in verse, the allocated amount. Then you make the adjustment, for every dollar budget? And you say: ok, seven is the real electric bell, not a hundred and twenty five and got that difference and I'm gonna pull therefore ensure pulled over in another category in every dollar. Budgeting out makes that easy to do yet absolutely and reconciling your budget to reality as you go along yes and every hour have said the math and keep showing you, which you have now that's a great situation when the average our budget when it comes in less than what you allotted the worst enemies. I turn your irrigation and you got your water. In eczema had, but it's a somber. Sometimes I don't know, I don't know, I'm us and a monitoring and irrigation water browser. Is you We didn't really count for me. Every hour budgets we got our water builders model is the other way around is the other way round. It hurts is undergoing a lower these other categories, Tang it legally

greater on either side costs, money, pan, thicker, yes, just haven't cuts, the things that I'm saying, though, is like when you budget, though that's a real thing like you shoulda, you feel worldview. What happens is reality starts at new innovations to you of being able to ignore it. Yes, and then you think happens when you do a business. Budgetary yeah we represent so anyway, when it, when you have more money left over, that's the fun part of budgeting cause you have more money to spend, but when one bills come up, look at higher yadda, yadda reconcile it, but it's worth it because, then you know I mean we have the money for it, and so we sent us other categories lower other one's gonna wanna go but reject the run, show the self study course for teenagers at home short of our homes. Go study of vision of our high school curriculum. If you will know, instructed Nator needed, you can teach your kids a handle money so when their grown they can leave

and pay their irrigation right now. Ourselves study course is at a deal day they Ramsay DOT, com, slice, self, study and learn all about the different course notable for middle school students in high school students, so that your kids can have a sense of confidence. What happens when I was a teenager and they go through this high school curriculum, whether at home or in the classroom, their confidence level about existing in the real world increases because there's a lot of fear. Looking at the real world in unknown? If I can make it go away, What's so many unknowns, and so, when you unpacking especially the money part which I like that recommendation, the great job giving those students what they need to know, and it's all common sense like these they're gonna learn things for sure, but overall bidding and grains that this is. This is the wisest way to handle your money. Things like live on less than you make. If you got the money, don't buy it, those type of things, the crude force, relations with your teenagers gap that you mine

had other like work is where money comes from, not entitlement. Dave rooms, arms, like self study, check it out pages where this anomaly high page. How can we help hurried, even major thinking much her taken. My call China was on. I am so I'm twenty years old and I'm about to graduate from college in May, and I have been fortunate enough to have good job. I've been working my way through school and I'll, be good. Wouldn't get free and I've also accumulated about three thousand dollars at the time when a graduate them What's it to you, you do to her bedroom I ended up working full time and school. I was working for one major cell phone company providers debate into that pain. Both are and commission that was really helpful. You gotta wait that good, salesmen, ok and we're Georgia. The school, so

I gotta go crushing university knocker. Then you pay cash for it. Yet there you're incredible, proud of you. And your fifty thousand only left over in your questions. What show I'm curious as to what is the best way that I could spend the money I'm considering consider it may be made by down payment on how they match your about the right decisions. Maybe in pretty good yet page. If yet, this is normal great conversation, it usually the complete opposite of what we're getting win when you, when there's a college student, usually in obviously tens of thousands of dollars a student loans, the fact you have fifty Grand saved up, I would I would not rush to throw it at a house right now. I would just gonna pause. Let this life trend, and happened after you graduate from college and may see what c you want to do. Where do you want to go? Where do you want to live and that's that trend? some between college in the world can be a very expensive one and so have in cash not to run

If I give to spend a habit there, when you go and she sat down and when you go out, that's a non college couch, they cost more. I guess come from up. Didn't come from a Craigslist Craig, or a grudge sale couch right, so they do costs more and not not that you're gonna blow the if two grand on consumer items but Rachel's right getting settled into quote the that the big job in the adult but all my couch to settle down, get their own place gettin. So, let's do that and take twenty four months will be twenty three and lastly, what life planning. You then, and I think your big make a much better decision on buying a house. Capades Kay interview you for like two seconds. Why have you on the phone for her? Ok, so how much was recalled? How much is your tuition a year before scholarship I can get it usually is. Philip thirty seven thousand, but I've been able to get in scholarship, and I think it is large about sixteen thousand dollars a year and then make

They actually give me five thousand dollars. You aren't you brushing reimbursement, though I've been out of pocket about six thousand dollars a year And what are your scholarships and they will get some academic scholarship then I also got down from the college business where I am. My degree scholarships did you get and how many did you apply for sale for quite a few, I Piper Obey University college and I was I was unable to apply for them and tell my second year and then I got? Those I ended up getting on quite a bit more and scholarship, and I even had once muttered out completely paid for just fibre I should like to receive and then how many hours are you working a week page in kind areas, but usually on working about thirty five hours a week. Ok, in a full blown graduating for years. I guess- I'll be getting my masters out. I thought people died if they did not that

how labelling yeah yeah, it's not easy, but not by graduating, with eighty thousand also stood alone that no money in your pocket Amy's either now you're a rock analyzing title. I just wanted to like say it out loud for America too here, because it is possible if we get, I get pushed back all the time. I talk about going to college for aid. You aren't you obviously pushed back. Go Rima, Instagram, Communist right now, after opposed to this, the federally insured stood alone programme is stupid and needs to stop. Now we the people, declaring Congress ensure loans in our name to put young people so deeply indebted can't breathe, I'm not against education, I'm against stupidity! All the comments are sure you don't want people to go to college. You care college year old Man, you don't know anything about the costs to college. The comments are full of stupid people and there is there, rockstar. Rather just did it about frigate amazing. How amazing tat you should harmonise, Graham if you're, stupid, ok, they're comments are stupid. They are not stupid. Yes, please

It would be true. Both would be true This is that I ran Felicia. We were rudely interrupted by the networks need to make a profit around here or those commercials, and certainly continue that discussion. They Sure to the equation is simply this. Ok young page as absolute rockstar and is an example of peat thousands of people.

We have made over the years that have gone to college debt, free, ok, now What do we tell me why Anthony book that free degree covers this in The first thing that you have to do is you have to stop saying to yours, and for sure, to your young people, America, only way to go to college? Because colleges is that you only way to go to college student loans and do away with a student loans? That programme would mean to do away with education, which is absolutely asinine and wrong. She half stop saying that first and then How could you say that where you can say that, with the proof that the pudding and Li L so you need to do to go to college. That free are scholarships during all its choosing a school, you can afford first and foremost, scholarships and grants working, I'm in there

there's theres many elements, but I think that the very first step, though one that one before that one was that you have to decide yourself. I. To do this, like I'm not going into debt for it. So now what are my options? do that. Then. Reality starts to plan. Ok, maybe I go to a community college for the first year to my school selection is key, maybe say in state and go to a public university page, so freakin went to a private school thirty's. Thousand hours a year, but had the scholars, to do it's an worked and they never had she, nor by thirty seven does now she children based on where she could get scholarships and that she could afford it? So you go to a school. That's doing that ambling Christian in this case, which I've got a good friend. The graduate from their couple of perfect and. You also can go to an end state school. You also can go to community college and you don't have to go across state. And pay three times the tuition for basically the same education, because you want to cross the state line out some

adjoining states sometimes will give you institution does, are trying to attract students across the bay on an inspectorate. We students with good grace another thing which she had a good great materials. What what else she had great parents, Nano showed great parents, she's, articulate and poised and confident she is working hard. Thirty, five five hours a week, she did her studies when she was in high school, I wasn't turned out to run loosen anarchy. We know that because she got academic scholarships. Ok, you don't get those without putting in the work they don't look at people go, oh you're, smart, they go, you did the work and you got the great and you're smart. That's how I could make scholarships happen. So there is disappointing that household, absolutely all end in into her credit. Might she's twenty one she's all right,

Mr Andrews Absolute killed us It shows that I want to keep on the function. Like is just proof like this shows you stores we hear all the time, but not everyone here is on. So when you have someone like on the phone you like, ok, tell me exactly what you do. We're situation because, and I honestly die, she was gonna, go to a public school, my little that work their way through, so that to a freaking private school. Thirty sent thousands or his ear, and so did it was scholarships or never heard more than sixteen, it's amazing as learning more damaging for the actual internationally. So she worked day, because they wanted her there and you believe me, college. You want page people like page there, though they were, getting you there shall parents, parent these are eighteen year olds, seventeen year olds, fifteen year olds that are preparing for college they need to get the law, but in gear and get ready and not wander out have drawn other senior year trying to figure out what will just want to go to college. Like the guy call me he's like

I don't know what I'm gonna do. My my daughter told me she's going this expensive school or like ghostly. That's where you get confused miles all my teenagers, tell me stuff, I told them stuff, or told me where she's going with my money, how's that work that don't work and so you're not window that our place. You know we didn't. We does it. We had a conversation, but we all Cotonou, where you are going to school in state where we can pay for it and pay cash for it and not overpay. Then you know the young lady. I call me up a few months ago from shore your she wants to go to oh miss and pay five times. Term situation because she's out of instead of going to South Carolina in state, why I asked her the houses, around all miss it's such a pretty town. It is pretty, it's a pretty tale you're telling me here. Oxford? Isn't it it's about a gorgeous town, and for

dollars? You can visit once a year and stay a week and you don't have to pay five times or forty institution to go out estate, Dahmer that Iraq let us now and I'm paying the bill, because she got a thoroughly in church, their loan ensure by tax payer. But if, if South Carolina girl, one go to omit and she had scholarships and had the money to go. Go you're not met that go, but please like your decision, based on how pretty the town is geese sites education? That's just not good critical thinking, skills when I was a model, our clients- oh my god, it's an education daddy, oh, ok, it's an anathema worry that we talk about education, I know but listen. This is appear. This is where your point about the parents being parents is huge, is what you're eighteen year old seize their perspective is right here. Right there perspective is

who's going to school. Are they gonna do afore authority or fraternity? Are they doing in a mere like, like that, is there world and you parents are decades out of them and so to bring that reality to the eighteen year. Old is what is key. So, yes, you're, not picking is global. On how pretty the town is you're, not doing it by some friends. It is what is financially and where you can get it education if you're paying for it. So doing all that That's what's gonna happen as an eighteen year olds perspective is going out there for years, fires the school, hopefully forth. They do in town in time and then they're gonna be. Is our looking back and have zero when you're out no regrets the people. The regrets from are the eight year old, too, didn't have conversation to their parents. They really just send it forever, Scully one desire for then, you're out with tens? thousands of dollars, a student loans that we are having to pay back and are not able to do things that they want to do or stock. Because of that, so it is legally for its all. They see so her seeing the prey, I was all she see so like having in her life, I'm sure you did on the call from

I would encourage the post nice. I guess I was ass, ever breathe. But it's true but like that is like, and I even learned in a book recently I mentally butcher. This all you psychologists out. There can correct me, but even like the front, above your brain, like fooling, does not become maturing like twenty five or something similar mingling of agriculture, but they're making these decisions that are going to affect them for so long, and so that's what you ve got your a lot parents by half conversations and talking about here's one out of all the success people. I know- and I am proud- b to run around which some Ober successful people, I have never met a soul the set. I'm successful, because I graduated from a college that I followed my girlfriend do not want I selected the college I'm going to based on girlfriend is going there and that led to

success in life I'll go a step further. You pride never met someone that says I am successful because of where I went to school even batch. True, that's true! but they often tell stories You know when you get older of regret for the stupid but stuff that we have all done yet and I've got a phd in. Do you do you and be? I've got a whole list of stupid, but stories of things I've done and you know, but knowing your girlfriend to college would be on the list. You don't go to college because girlfriend is going there I'm sorry even if you can pay, for it is not a recreational activity. It's an education in education. This is not how you select your field of study and the so you're going to do it and what you're gonna pay for it the ambitious, how we understood long crisis, Four mansion this crap, the number people when we did borrowed future that we interviewed for that podcast that use

student loans to buy cars while they were in college, was in no more yap. First, while the amount of money that goes to lifestyle is its yes, we have a parliament where the skylight Le Jacuzzi and they play beer Paul on their time off on my nickel, because our group these student loans, because I'm an idiot as a taxpayer. I allowed Congress to continue to do this work or work. We're guarantee- and I wish for our even just nothing, not even a fruitcake shook a college: you can afford work work. Not a dirty words, not afforded her word you're, not gonna, die from it right before you, dial pass out work, it's ok, work, war, go to college. You can afford and get scholarship parents parent

This is that I am sure childs producer of the day, Ramsay show once again you made the day. Ramsay show one of the top for most popular podcast last year to get your daily dose of motivation and inspiration from the Rancey network subscriber policy. Today, wherever you listen. If I guess Have you got questions about retirement, investing and becoming an everyday millionaire? Go beggar and broader with my man, Chris Open on the crucial densher? I M excited to be able to talk to you all week in week out we're gonna focus on your calls and it's going to focus on building well investing and how to become an everyday millionaire subscribe to the crash Ivan show wherever you listen about gas page, producer of the Dave Ramsay show this