Why, from the headquarters of Ramsay Solutions, broadcasting our car rental studios its, but today, Ramsay Work that is done paid off. Mortgage has taken the place of the double your status and choice. Some of you are really scared right now. Aren't you understand I've been there Then there were things were so out of my control that I couldn't and didn't know To do and I couldn't breathe and

funny. It doesn't matter how many years go by and it was about. Nineteen, eighty eight, we found bankruptcy so forty years ago, almost thirty years ago, over thirty but still managed decades right am, I still feel it. I still remember that dealing in your throat that feeling, when your stomach is trying to come up through your throat that feeling a pounding in the back of your head, from stress and just the fear I didn't have any money. I couldn't get any money and knowledge I cut off and water got cut off. I got babies and some are facing there right now. Right now,.

Let me tell you if you were not afraid in the middle of something like that, you would be a psychopath show. It does mean your mental health, if you're afraid when times are scary, that would be a normal thing to be afraid about things that are not happening, but just might happen now. Bachelors worry word right and they'll Carnegie used to say, wrote a book on worry and they were the thesis. The book was eighty percent things we worry about never occur if you can actually statistically cover that, but I think life I'll tell you that's pretty close. If I can confirm that in line with actual research, but he was making more of a metaphorical statement, but I completely agree. Eighty.

Survival. Worried about my life. Never happened is her saw some about all of us. We, we all anticipate worst case scenarios and very few people anticipate best case scenarios and live with that. Very few people do that now you need to build a do both because you need to look and see when you know something's turning down and you prefer prayer forward in you. You're smart about an electron step and kind. We ve got some small businesses right now that everyone,

I'll jumping up and down and clapping and so happy that they were so patriotic and so forward. Thinking that they closed down for the corona of ours, the promise you'll never reopen the wrong and the families of work, their loss of jobs. Now some of you that are freaking out grown of ours, freakish towards you are so happy that they're not operating, but the families aren't happy they're gone. I families lost her job and that that restaurant is never going to reopen because I'm a money and I ve known, broke because they were forced to close and not have customer.

And the wrong you're gone well, they those just rose. Your big group can give the virus spreading. I don't want of ours to spread either China realities are that those servers and, though shifts and those dishwashers their job anymore, those people who worked on the hotel at hotels con- it's not going to reopen. In some cases, some are more reopened. Some of the big ones are reopens with some reference have the shape the reopen, but somebody cities. I mean when you take. Pictures. I saw a New York city this morning that the it looked like the zombie me Philips, there's not a soul on the street. I've never seen that in my life and I'm sixteen years old in New York City, and let me tell you that's a lot of businesses that are never gonna. Come back

lot of them because of empty streetch mean there is zero revenue and they are gone, and so there is a there's another. There is a thing to be terrified of in its unemployment. The thing to be terrified of your family has no income so that a thing to be terrified of. And on some of you that have gone completely buzz. Cirque have not considered that in your hysteria, while you were shopping in a grocery store, who did was open and who did have people there you're, just not using good critical thing

skills. So do I want the first birthday room, Gigi Responsible, our shot up? That's stupid, asinine person. What actually want of Irish to spread or be irresponsible intentionally causing harm to people? That's just dome! Of course. We don't want that! That's ridiculous, but what we do want and are, as I love small business models as the backbone of America and a whole bunch m are gone and next week a whole bunch more mobile gone. If, if we don't get him back open again and the families that used to work there are on the street unemployed, and if that you here's what you

If we all possible, do not carry out your retirement, if at all possible, pick up a job delivering food because nobody's open you now get will get with Oberon deliver things and you can get you some income coming and get some income coming in, and then you take care of food. First at your house, the future budget I already shelter. Second, I'm sorry utility. Second keeping it's in the water on make sure there's food on your table than the next thing you do. Is you take your shelter? You keep your house payment or your wreck current and then transportation, food, shelter, transportation

utilities these- you you're the four walls of your house. If you keep that going, you keep enough that going until you get reemployed back into your career field, just by keeping the wolf away from your door, you ve done a great job and you ve turned the corner in a personal financial crisis caused by hysteria and you'll make the turn. And I've been there and I've walk lots of families through that, while they might not have had a whole nation around them at the same time, doing the same thing, but I've worked lots of family through who were down to the Nor can we go Warwick? What can we do to create in job? What can we do to create and gum? What can we do to create income? Let's get cement come come again, get you a Blower rich people are afraid, leaves let's go baby. I mean: let's go, let's get you a pressure. Water everybody's got mildew somewhere right, I mean, let's get things go in here. What can we do and we baby said: can we dog walk?

what can we do? I don't care, I'm not too proud to do anything I'll shovel, something let's go I'll make I just got to make a little bit of money, keeps your food on my baby's table and then once I do that I can keep the lights on in my baby's room. That's all I got to do and that's you get your head around that and you get back out there instead of sitting around terrified in the corner, sucking your thumb and official position, you get back out there and you start kickin doors again and it's hard, because you're scared and your overall, armed, but in the middle of that use, all of that fear as energy to go, make some money and create an income as fast as you can as ridiculous. What ever it if you deliver pizzas believe me, there are lots of people delivering food beaches and people right now. Lots of them and some of these industries have gone up real up there. The busiest crud right now so go get in that. Go. Make you some money and keep the wolf away. The door, meaning you're gonna get the four walls.

Europe, and then you can come back to the baby steps and stuff later I'll help you how you do survival mode. You turned the corner and terrorist terrifying, this is the I am sure women,

you a story about two families that are very much alike and a lot of ways. Both families have to working parents in a couple of young gives each is dead in the struggle to make ends meet but they're, starting to make headway with their budgets and smarter decisions with money. They have dreams and plans and the only real differences that one family as the right amount of term life insurance and the other doesn't big difference. If one of the parents die- and that does happen, their well being would be destroyed. That's why, every day I talk relentlessly about getting term life, insurance, gotta, Zander, dot com or call eight hundred three five. Six, forty to eighty two.

Do you guys know I very few guess on the show, but occasionally I have the opportunity to share one of my friends with you which, basically when they are doing something special, and I can't think of any body in this that I would rather spend a little time little bit of time with one in the world. Can you fix that woman? I thank you gash along, but ok, rather spend time with them. I lost him completely hang it up. I will try to Back on all that shut up in an obscure up the phones, I think it's my fault, Anyone actually Cato shootouts drawn talk about, and cant think of him by rather talk too in times like this than MAX so as a new book out. Finally,

after doing eight thousand books, He did one that is simply called Jesus. I regard the God who knows your name staff. Of course, this guy look at our sole hundred and fifty million books, or so something like that. You get him. I'm sure I can do it this time. Max. Are you there? day Guph Diana hung up bony, I'm so sorry, we may I talk to MAX located on the devil's trying to keep us from doing the two that in some ways, is emblematic of all the things happening right now than it is it is a nation they hear from men like you write this. Again in this book- and Jesus, it is obviously a

encouraging word and you ve got the encouraging words bought matchless, Cato Bible out as well with Thomas Nelson. I've got here on the camera and the man you got, you ill a book in the middle of this. What timing a book called trees were, in the middle of a whirlwind. We need encouragement, don't way they now. You know. I just think we need to be king individually and globally. What are you saying to us? What do you say to us? You know it's a such an on pressing We feel like we're living in science fiction movie, don't wait and- and I think, if individually, for can each school reveal. Our Tom courage dropped the vile. The movie, I feel like Tom Cruise dropped, the vile and the virus net in time. Small he's gotta, be it's gotta be home. So Jesus, the God who knows your name.

He knows our name. He knows the number of hairs on her head as a plan for us to bring us hope not to bring his harm. These your messages? We just need right now really do you know it? So it's an old saying that true saying that, if you feed your fears. Then your faith will start. But if you paid your face, your fiercely. Those are right now were. The default. Emotion is to feed our fears. He can't turn on television and not feel a dose. Mere come in your way, but we have to make intentional decisions data. So ok, I'm feed my fave amid a fond away today to feed my fate and dead to prayer. They come soon raiding the Bob overcome sue leading, listened good programs like yours come soon,

getting online and finding a sermon. You know it's just we gotta be intentional, because a widow will be sucked into this wave of anxiety, the top there, so that there is no question that you have the garter inputs. I was telling our audience yesterday, our old friends executor one is living used to say I read the Bible. Every morning the newspaper morning, Chantelle of both sides are doing but the great it's a great joke line, but truthfully your inputs, if you're in scripture, more than your watching cable news, your pro afraid. As a matter of fact, you can probably Gauger fear to the number of hours of news. You watch you're, absolutely right, you eat yet think you see what happens. Dave ceased. These thoughts come in through our years they go into our brain. They go down into our heart. Jesus said added the abundance of the heart. A person speaks. So if you find it

They are speaking words of anxiety and fear odds. Are you are receiving too much fear failure. Ear. Your brain damage, your heart, so what you gotta do the Bible says, take every thought gap, and so just because you have a thing: the main had to think it. So you say: ok, I'm not gonna. Let that thought Goin in fact, replacing the Meda meditate on that which is that which is good, that which has also been a man it is on that and so just be careful. Let's all be careful. What thoughts were thinking. Because we need a quorum of people, her speaking words of hope and encouragement mom it herbs, com, desert mistakes, com, com,

my goodness I dont my good decisions when we're freaked out there. We don't so if we can take a collective breath, just trust in the goodness of God trusted. He saying these things before my goodness: the Bible Stitch, together with stories of calamities and famines and pestilences and crises. It's. This is not new. I dont know if I understand it all, but I knew I do believe that God can get us through it and I do believe are gonna. Be ok. Do all of these things just at at our some kind of temper They are ten months and years. I don't know but more like tat, much problem. You know, I mean the whole thing I'll a distant memoranda much ten weeks. The vast majority of easily be gone, I think, but am I have glass half full guy and not. You know, camping out in the anxiety camp. Your display unfaithful Deva mean we made it through nine eleven didn't we now in the midst of it, with.

Oh boy were never going to survive this. Then we made it through too I said, and I now want to ruin all fine, blue in factor. Was telling my wife. Yesterday I said how do you know why I really started studying finances in two thousand and eight. I am sorry to confess it that I haven't paid attention, so I made some the decisions as result of two thousand and eight that make me feel better to do about our situation. I wake up call beyond a wake up, call got a wake up. Call it wouldn't fun and add adds an anxious moments, but it turned out to be good and it s worth what's gonna happen here. It's a wake up, call show what book numbers so my books have you done golly they lost count. Yeah. It's in the mid this bridge, forty four, forty five somewhere there I was thinking it. Would you get it as I am. You start forgetting allotted time. If it is not true

What does that so? An and multiple multiple, multiple best sellers well over a hundred million copies shoal of books, so after all of that and obviously as a pastor, all of your books have something to do with God, something to do with scripture, something to do with the life of Christ, something to do with a Babel character somewhere, somehow has been your whole. Your whole set are almost your whole set of writing, not a hundred percent, but very close after all that what do you do? An entire book on the works and words of Jesus yeah, thanks for asking that, because this is a unique book I have long wanted write a book and create a book, there would be equally helpful for someone who's never heard about Christ as someone whose always followed Christ. I wanted to be able to create a board. It would be a good primer for some,

but getting introduced, but a good reminder for those whose faith is being reinforced, and so that's what I set out to do in in this book. It's all about Jesus start to finish all about Jesus in and some hoping It can elevate the person who say muscle and personal life. For debating in Heaven, but that think he's the most important burst. In the world. I mean in the history of the world and in ITALY, it's an honor to up these words about crossed the book by pass from actual Cato Idle Jesus, the God who knows your name yet another best seller. I'm sure- and I absolutely incredible and times like this- we need men like MAX point to our Jesus MAX. Thank you. My friend thanks rang out. Will you not for my honour anytime, you stay until Can we do to help you? We always will all

for him, a nice guys, you were made on the planet. This is that overambitious, parity

Usa saves you money down from Minnesota said we switch from Verizon appeared talk thanks today, Bramley I was sceptical, but after leaving the big city in travelling to rural areas, service coverage never lapses. Guys pure talk, USA as the same great coverage for less and no contracts. Try risk free today call pound to fifty say the key words Dave Ramsay and receive fifty percent off your first month pound to fifty key words, Dave Ramsay Brian. His brothers in Florida, hey, Ryan, welcome a driver empty shell gave very doing better than I deserve. What's up,

I went through play a computer virtue that twelve thirteen years ago and that at the current, didn't, have a whole lot of tat. I could get that free and set down payment on house involvement first home, so I am familiar with oh grand and of since then have increased income, gone, three unwanted or some non wrapped up quite a bit of debt and that make a stupid decisions. So I am just now I got my virgin see fond and I am market rate a hit. My snowball baby set too hard got a question that I need to refer It's my house because, thirty year mortgage at four point: eight, seven, five interest rate and its and J, J Loans, one ppm I wonder about- and this is a great and timed refinanced. This week Rachel, that's what I'm trying to block now. I have about thirty

housing liquid assets that I was going just jump at a snowball purposes knock knock out, you're, giving more you I do. I owe just start to seventy. Under current values, for this role, you're too short motion caution to the mortgage, while my city, is the broker. I was dealing with an issue. I trust I have known for a long time I can reach out in large, and someone on your website one year prefer guys, but off treachery morning take the church. I tried the keys, the concern that, if I take their thirty thousand, then spend it could knock out apportion my dad. It's getting make it difficult for me I thought it best to read on the fifty year you everything that I won't be. Laundered, buys discuss a bad debt.

Income ratio income, Russia would go down if you had less dad. I hear one hundred thousand in debt, and she said he. What he wants to do is only into a fifteen year like too, and a quarter percentage and knock out the credit card that about forty five thousand. Part of that into all of the sound that kind of what I need the here and now that I didn't sound right to leave- and I didn't know where I can watch your income ranges when one ten and one thirty and he ran a hunter thousand dollars and dead and this divorce financial hanging over me. It's not just because of the divorce about forty five thousand credit card debt, oh thirteen thousand on a vehicle now and then I've got to other purchases. One of women. I bought it too

the solar market before the subsidies were really making sense, so I've gotta about a twenty six thousand deal in the last year alone, money for solar system which unsteadily till they collapse, but it says it's a dump. Dad I need paid off at that time. You know your ouch. It's not a test. Mortgage Nanda, saying that that solar equipment on your own it's ok! I would go ahead. I would join role that endeared mortgage dad I'll be fine. That'll help you move long but yeah your credit card that union those urban and work your way through in Russia that you can drop em up and work your way through him, no were not so your mortgage broke, get paid from the size of the loan. There's some insight, so he wants a bigger alone. Yeah yeah, I swear you watch sharp nope,

nope, I would do a three hundred thousand dollar alone, which is a two seventy first and put the solar in it and had put on fifteen year fixed and Roma, closing caution to it, and I'm a throw my cache right after that or right before that, depending on what Churchill tells you do at your debts noble- and I would get this debt write locked in this way these mortgage rates are? Do they really go right now? It's a good turn refinance. If you have a high rate, who would have ever thought I'd be calling for point also involve a high rate, but you ve got a high rate or an adjustable right or a balloon mortgage arena. Stupidity and, while you're put it on fifteen year Iverson a three hour. You probably not going refinanced lad, but yeah these rights are amazing is one of the benefits these downtime judges. The stocks are on sale.

Funds are sale. Stock market run on the sail this week we have heard, and So is your mortgage company yeah it's his eyes turned down How to be something good come out of all this manures undertaking to grow right, and so that's the two good things to good things. That can happen right now. So yes, yes, yes, yes, yes, good good question hour. I Dave's in Ohio High Dave, our you, but he gets. There are about yourself better than I deserve, what's up, I replied Call her long time was murdered with money air if I'm not really the most educated. Recently Can really motivated to start taking control of the financial situation and I did question about a car loan that longer than men. Ah, how I know no can private postponed, given the current state of affairs of the world

but I was, I had a question of our refinancing, what he owned. The car park currently find as a team to fifty eighteen thousand dollars. What your interest rate by interest rate is terrible. At eight point: eight percent occur and arm had every investment, What kind of a right you can get? I called my arm. I call my we'll credit union. I haven't done much more shopping around, but with my current credit score, ah ranging between six seventy six. Eighty working on fixing on I can get five point: seventy five percent and a full twelve month, ah shorter term one term for a moment So what's your household income between my wife and I Com would be about.

Seventy five thousand, which are other car worth. I have out my wife's car yup private that they by the same nineteen thousand enclosure. She owes much on Yes, that's how much she is wholly crap, sheer forty thousand dollars in Cardiff and only make seventy a year, and you know what I think you're clad a couple years ago I implore I had another cup, the absolutely higher than I was holding. I am trying to come up with just vacations too la hold onto it, and I've recently sold it to me that that a step in the right you, show leering gotta, eighteen thousand for that

in and out of the car with paid off before I sold it, but the finding that the money into a thing out. Ok, you guys have too much invested in vehicles that are going down in value based on your income and based on solid at that you have, and so you probably need to select one of these vehicles. My guess is it'll, be yours and sell it and move down into a hoop d, and then, let's work a plan with you and your wife together, which is what we taught you when you're taking the class. You don't have a herd car, your card, that we have forty thousand dollars in car debt and that's way too much when we make seventy thousand or household income, and so

we are going to reduce our car dat and then we ve got to get out of debt completely baby step one. Is you save a thousand dollars to as you lift all of your death smallish, two largest and you pay minimum payments on everything, but the little one and you attack the little ones when you're doing that, you look at your cars and say if our cars total more than half our annual income, we have too much invested in vehicles and if we can't get out of debt inside of two years, everything but our house we lived in a vehicle- is keeping that from happening. We have too much invested in vehicles. The both of those tell me. You have too much invested in vehicles, and so I would not refinancing eighteen thousand dollar car. I would sell it not what you are looking for, but actually do. If you do the stuff, you don't look like fears,

mango have any card at cuz that Dave Ramsey Guy was a jerk. When I called him on there cuz. I love you, man, I'll smack you to this is the Dave Ramsey Show.

Thanks for drawing up America, J Weathers, Jason Florida Hygeia. How are you, better than I deserve. What's up so I could be talking with you now have the have questions. I really wanted to seek some good advice on them. Now, to give advice on a matter so good, I've and I were actually expecting twins here in September. Congratulations, but first love affairs. While we thought I was gonna, be our first kid, but it turned out that the efforts

yeah, very girl, how exciting double trouble, you're double to travel really right. Now, I'm going through a situation with the whole covid. Nineteen thing were both she's a school teacher- and I am I work at college- but without being shut down- we won't be starting jobs, What's she she's getting gave, I won't be getting paid near until about the summer. I have a job lined up for the summer and I really wanted to know what we should go here from the job we have about. I personally at last, seven thousand within student at she graduated, would know that so that between both let about our only Oh, oh anything on cars. We both on our cards will do the blessing good, an arm, We must really wanted to know. We have to go here, we we being a veteran I do have access maybe a homo.

But I'm not sure. If I don't have a proof of income, I will get. You would say for bank to grant me alone, because that would know where start. I dont really make any income as of now damage nostril. I need to buy a house run. I knew I could you don't like any income so yeah, that's that's nice for your service, show. What we would tell you to do is walk up what we call the baby steps and maybe step one is I have a thousand dollars. How much money do you guys have saved? and so on. We see a babysitter emergency thousand dollar. Fine. We as well as taking account about ten thousand dollars in good data. So do you have money coming in to eat with right now tat we were covered on that path. Money coming in to eat. What does your return, your retired military retirement, her teaching pay? What not retired? I guess there my seven years, The seven year when I got out, I got you. Ok is her teaching trick coming critiquing jacket, yoga,

and that's what you're using to eat with in my pay from what I get paid for working at the university. This is shut down. Now we were, have that and for now about the next for five more The girl, you are not gonna pay. You therefore allowed you near the semesters have of which lack I e mail to David Semesters camp into the rest of the year, so we were just done now. Ok, so York since you're not working there, you're not gonna get paid until when until alarm? May I start my graduate here, and I start my job in May our new job? Ok, ok, aren't! what what I would do is say you're in the middle of a financial storm right now. And I would tell you to just pause- I wouldn't work the baby steps. You certainly don't need to buy a house, the instant that you got your incomes and your fee.

Uncomfortable de jure incomes. Are there probably like when you start work? I would push play again when you push I'm gonna take the money out of savings and pay off the student alone, and that makes you dead, freaks chips home and you don't own home, correct. No, we don't home. We really would be a hundred percent debt free when that occurs. Right yeah, a hundred percent now then? You have twins on the way and we're gonna build your can see fund all the way up to three to six months of expenses. That is done and after the babies come then which start saving for a down Saving early, but I wouldn't have separated, get your emergency fund a three to six months of expenses in your debt. Free only then would you buy a home and only after the twins com. Would you start talking about buying a home probable,

After her maternity leave, Xibalba paid maternity leave right while in for, I believe it through the school system through the public school, opened my shopping Khatami about maybe two months or something like that to a three month, but she go back to work after that then she can go back to work. Every aka got she when all that's happening than your start, talking about being ready to buy a house with a good downpayment, Can you do that? I would not use the visa alone. The ba alone is the most expensive loan between VHF every J unconventional. Mention is a better deal. Unless you are a disabled veteran. Are you know, I'm not? Ok, then it would be cheaper them. The fees and interest rates associate with a visa alone are not a good deal. That's a shame because the benefits for having served a country should be make it cheaper than other than regular loans that everybody can get, but don't usually I use a conventional with a gun.

Strong down payment after your dad free and after you have your emergency fund completely implies so very well Our Brandon is whether Minnesota High Brandon how're you I'm doing. How about yourself better than I deserve. What's up last may I graduated from college, and I got a job right away out and been working since then and fairly. Thank you and Sally may has just started, come knock on the door looking for her could and it cannot reach me out at first the payments that they are asking for, and so can Are we connected the same to you? I used to listen to you in high school and got on every dollar I got. Every dollar account is for the credit cards, close them all out of debt, and thank you for with everything gonna going on right now, as we call it nineteen I'm I'm I'm trying to

be common sense and not freak out with it, but can a worried that an unfair Think about things are going to come up and I dont want to accidentally get off track with my goals. Be it out of my parents insurance, number, and so I'm wondering Where do I go in terms of what I should do to get myself covered for medical protection and if I should have any other types of insurance, is a good question yeah. You need to make sure you have health insurance lined up when you age out and your company or what Four does not offer health insurance. They do. I honestly know nothing about how health insurance work so, and so I dont even know what questions I need to know or where to go to get things lined up for they fall in place. When I turned twenty six or have the h, our people teach you and work you through, which options are and what those options mean

I have an Hs aid plan. Usually that is the cheapest plan per month and gives you the coverage assuming you're healthy. It leaves a big deductible, the jet pay out of pocket. If something happens, but if your healthy we're not worried about that part, it covers all the beauty stuff. The huge stuff is one word about ok, the other kinds of insurance car insurance. Are you renting an apartment? Our house. I rent my apartment and I do have a car and I haven't sure, on that day of renters insurance on the contents in the apartment. Yes, I do has that's my turn, required at your landlord good God. Shall you got It rarely airing of your car insurance check email. What your what you're disability is through your company, long term disability. I suspect they furnish your long term. Disability policies like it's, a larger companies and you just work

those things. So probably what you need to spend a little bit of time with your age, our folks understanding or benefits will a bit more and on their help. You with other, usually very good at what they do and So, but my guess is your move to an age you're saying you don't need to do that until you age out that other policy, but you do need to have researched it understood it become taught about it so that you go ok, common, no brainer! That's what I'm doing him alone this up. As soon as we get towards November, I'm gonna just pull the trigger on it make sure I get in at the appropriate time, show that there is no hole and the coverage no gap between the ending of your parents policy and the start of your new one Each other thing you ve got to learn about is how much notice you have to give to get onto the company policy. All I costa, I get it all lined up and you'll be just fine Ruskin all the right questions and then work your way through this dutch number. The question Brandon

you joining. That puts us our that I ran to show in the bugs our thanks. James childs repetition. Zack Bennett fell. Forget it. I know today they ramsay your host and we'll be back with you or you know, This is James Childs producer of the day, Ramses 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 Ramsay network subscriber followed. Today, wherever you listen about health

Have you got questions about retirement, investing and becoming an everyday millionaire? Go beggar and broader with my man, Chris Open on the crucial genscher. I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building well investing and how to become an everyday millionaire subscribe to. The crucial can show wherever you listen about gas. Hates me, producer of the Dave Ramsay show this