Wonders Ramsay Solution Cash day from the dollar car rental studios, it's the Ramsay show where that is down just came out. More has taken the place of the Bmw, the status and Abraham to your home. My colleagues, on the other day, Rachel crude Ramsay personality, a number one bustling offer. Also modern open phones, are AAA eight to five five, two to five is whether some Michigan start off this hour, a Jake. How can we help you

hey day, even Rachel. Thanks for take my, I sure, what's up. May I just had a quick question for you on a few years ago. I made him down but mistakes with credit cards and about year ago it was before I found you near team? I had signed up with a debt relief company where they consolidate all my dad. Them now and the me haven't settling somebody accounts, but The issue of having now is my my brother, introduce make to you and your team and he's been all over me about that. I'm getting hold of these people, because that they're telling me that they're gonna have been paid off in five years and it seems like I might be able to do a little bit quicker, but you don't know how to leave or how to. I guess figure out I'd is afraid to leave at in case I can't they are quicker.

we'll have to understand that there are not paying the dead right now right. You know that you didn't consolidate your dad. You just quit paying it right, that's all you ve done and there. Acting a from you and then every so often ass. They pile up some of those checks. They use that the subtle one of these debts that have gone bad because you're in default on all of them. You ve completely trashed, regret it pretty much here, that's what they're dead, so how many different accounts and watch the total aid I want to say that there was about gum, twelve account and total that emboldened for programme in the town amount of debt with was brown sixty thousand asked. What is it now go they settled about? I wanna see five of the accounts until I'm about forty five example settled about fifteen thousand other

ok! So you, oh about forty five thousand dollars on seven accounts, right, ok, and what your household income by your friends about fifty five per year so why in the world, would you take five years to pay off forty five thousand dollars? Yet you know? That's! That's! That's what I think about everyday now those tirelessly gee, I would be downright into years, yet not five Orson over especially since your saddling there's the outstanding balance, is forty five, if you settle for less because there in default than that, of course shortens up the timeframe, so yeah this taking control of the situation back, what our money paid them in fees you ve lost, but you know getting balance over there with them. If they get money in your quote, savings account unquote, have themselves

after you and send all the detail they can on everything, cancel the service and then you gonna have seven different arguments until you. seven different death settled in good hands can sue you today right and I am because you poured out from under their doesn't keep doesn't make them more likely or less likely to see. So then you do like a list of the smallest one and you call them in Europe. we owe you seven thousand dollars and we can offer you three thousand dollars in cash. That's what I got saved up. If you don't want I'm calling the next on the list which do I do it or not and in writing. and you never give him alive access to your checking account and you settle in one of the time and work your way down through it. But this is why we call the debt Roma people and the real that consolidation loans, debt con salvation lunch because you're paying people do something the work that you can really do.

And with that consolidation it so hard because it feels like again, that nothing but a strewed say: okay. Well, this makes sense it feels like. Ok, just one big day, This is all these other debts and again that the psychological aspect of its people and to so so quickly and I get sold this this bill goods. Well, it feels easier, but a short, really hard. Because it's not as efficient and takes longer right answer And it's not really that should consolidation is really debt settlement and what they do. The very first Only those they treasure greater by putting all your accounts entered a and they keep the first several payments into their pocket as their feed were you start building up any money over there to settle the accounts with? And so you could you, you couldn't stop paying a great cards by yourself. If you are going to use this plan would mean the planet use, but Do that now I real debt consolidation is where you get a new loan he balances, are rolled into that new loan

you. Do have literally one loan instead of twelve, and that is cut. That's consolidation, when you can solve something it's bringing together. It's not moved it. I've learned, didn't pay it, and so folks, People are saying with Does settlement companies, you see him on the cable tv all the time when they're saying you know that that were in the Sudan Consolidation, it's a lie. It's not that consolidation, you're, not consolidating anything, consolidating the very The mission of the word means to put together, and so don't do that don't do that opens. was a triple eight, eight to five five, two to five. Thank you for joining us America. Andrew, is next and he's here Colorado, high Andrew. How are you new and while they Rachel thinks round me, I'm sure. What's up so I have a question about baby step for life

I'm a teacher and twenty nine years old and I've been with my district fur- got five years and we have a pension programme, in addition to that pension programme, I have four three be. Then I'm going to be rolling over to a lot, it's impossible, so the pension automatically takes out about point. Seventy five percent, of my paycheck. So I am happy that another seven percent into my additional for three b I recently got an email saying that detention percentages gonna go up to about ten percent and then I think in the future, up to twelve why research, Colorado and looks like all my colleagues in the top five underfunded states with my pension, so with everything going on with covered, and things like that, I'm trying to consider. Ok

Now that I'm going to over things into my rock, should I increase that percentage, because right now, ten percent- and I shall be worrying- how much should I put it in relation to the belgian case than his collar I don't know what happened with the other problem, the pinching sideways. You get nothing, You have saved anything over on the other. That's what you're, considering so you're exactly right! You need to beef up your investing that you control India, Roth, I arrive in it nothing else where you have control of the investments you are still the owner of the investment you're, not the owner on a pension. And how long have you been at this job? Five years? is them and these into increases creases pension. Withholding our or mandatory, I think, they're, just with the current payments, program and everything I would make me reconsider. Job search twelve percent of my pay and putting into something this week in my fall apart,

are increasing Matt. I will make, may reconsider my job they re Michelle at

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Ramsay to get the best deal today, washing comes from Jordan and California. She visit stay rooms. You not come to ask. I am wondering what the better option when on baby step, two or three buying something cheap and that's going to need to be replaced quickly. or making room in the budget for a higher quality item. That will up ass last a long time in baby, Two or three you'll be buying anything. That's what I was thinking, but if you're like none of the above it car, though, has to be like it, it does eyes on you and your like. Ok, I need a new car. You got cheap, cheap sure it's reliable and you're not having to go to the mechanic every other day goes like three thousand dollars tree. Yet you are like thirty thousand very bright. Some pope people get confused about what I mean. That's all relative relative. You get a freak, and hopefully, when you're embellished after three and you

upgrade anything. You only do emergency spending she we spending it. It does its an emergency to get out of that. You are in gazelle intensity might actually right. So here's the thing you can wander into debt. Most people do it's normal and our culture to be in that everyone teaches you to be in that all the people they want you to buy crap from them. Tell you to be in that every body is talking about being in debt and everybody broke, the only people that dog about gettin out about are those people that are wealthy and that's how they got wealthy. I mean you talked wealthy. People is what you're gonna find out an end. So what is required here? You are you're going against the entire

set of cultural influence is not only in your life but in all of our lives, and so the idea to get out of debt and stay out of debt requires tremendous emotional energy. You gotta and you can't just gonna, go away. I can think they do. I might have been keeping I make. No, you have to get fired up and wired up. I mean you cause you're, going against every body. Everybody's got think you're crazy, except wealthy people I meet you. And so you have to exert this dream amount of energy to break through all these barriers in your psyche. That's all

said earlier- you you can wander your way unlike most who will do, but you can't wander you're way out, but there has to be a level of intensity. There has to be a level of like we're going against the grain and it's gonna feel uncomfortable changes hard. It's not always fun, but, as you start making progress here, saying things like oh yeah yeah, I got no wrapping. Anything like nothing extra money is going towards this debt. Not only do get out a debt faster. advances, anyways financially in emotional, is virtually all of that because you have no pain, you don't know anyone anything. But on top of that changes within you that level of sacrifice road. As it says I sharpening iron in them in the process of it all. Find you and I think what is happening is used to realize. Ok, all this stuff, the piper mean that in the first place well who does it matter? Likewise? Sacrifice stuff and I start selling things off like suddenly in your. Your value system starts to change in Ireland, our culture and in your life that goes against the culture the poor.

Gazelle intensity is gazelles running from a treaty for his life. You have to run for your life. You can not just act like this. Is an academic intellectual exercise. Your carving new grooves in your brain and the only way you do that is with when people look at you and go you're, so extreme, then you're right on track, because you're stupid broke people that are saying that. I think I don't gotta, do it you're daring? That's your dad gum right you because I'm a winner in your leisure, I mean these. Things have to go through your head, it broke. People are making your financial plan, your ride on track, but if they're not making fun of you you're not doing it right, because you need to go to scorched earth. But you're setting your whole psyche.

your relationships to stuff your relationship with your spouse, everything's in a whole new zone and any your basically giving it an emotional bulldozer and digging a ditch in your life and this not like. I just think I'll have a little bit. You know You are, getting others mass your changing not half, but do this stuff, and so you can go of vocation when you're in baby step to that's freakin lame? Oh, you can't be gone out to eight you're in baby step. Two hats freaking lame. Oh you're, getting out of here. Like your hair on fire, like your children's lives, depend on it because they do your chain. your family tree- and you don't do that without this, this

happening inside of you and that's when people treasure love. When it finally say I've had it, the level of intensity is so so crucial in the process. Now and it's gonna lead you yeah deeper sacrifice and that frees up the math Guph around The intensity will lead you to watered down. Would suffice levels of sacrifice which screw, The math and you stay longer and you have a higher probability, never make it out his rough steam pointed out. There are going back in the news, give up and go on Mugabe normal cigarette. Yes, grew at a Moby broke like our by us and look like I'm, not an unjust gonna go back. Rapid for money. I don't have the impressive report on him like and I'm gonna go. To those. Always any you just gotta you don't you have to reachable did you go no, no answer picking on Jordan a little bed. The point is when you're in

mindset. You don't even ask the question that you asked Jordan. It wouldn't have it come up unless it's an emergency expenditure, logger car went Caput like you talked about Rachel. Yet yet you don't ask a question of what level of vacation can I go on? You don't deserve a vacation, you're freaking, broken in death, don't tell me, you're entitled the squat you're, not when I was broke and Rachel's a baby and the electricity gets cut off. I d commissioner, you know so hard. I think, gonna vacation. Now we turn the gum whites back on with a baby in the house. You can't your whining is unbelief. and you didn't happens is out of all our heads. It happened with Us Army, we, women fighting against bankruptcy for two and a half years. We ve. We're bankrupt biggest zero been real, easy to justify what we ve been through this horrible time, and we just really need to rest in it.

You can't what an option freedom but on the street, and I wonder what that the level of even from- thirty years ago, to now thirty five years ago, now the amount of comfort We have in our lives today from the accessibility of just formation getting what we want. We want it, you know Amazon and alleviate your doorstep even at daylight, there's a level of comfort we live. I wish both run yet you can pick up square thing is how it by itself shows up on your doorstep to be uncomfortable right now in life is scary and uncomfortable, but you have to be uncomfortable this process. If you continue to just be comfortable you're, not gonna, get the progress, but that comfort ability is is

We are all of us. It's in its in all of us were wish boiled rotten. We really I'm tellin. You can pick up that all square thing and touch three buttons. The stuff shows up on your front porch and you can touch three buttons. You get the answer to any one button, get the answered. Almost any question came and have a good argument. Anymore. You know. The answers right there. You know, so you don't know who wins early, voting in woods right there use Google, we were laughing, Anthony, like all the questions we blackness you're on the radio, the only to actually could just Google, given that, if this majority secretive today: Ramses, there's nothing here that you didn't already now or you can just watch. Nine million hours of you to write for free. So you know that constant dirty little secret. Is that that it's all right, they're, worse, ball, rotten them and it makes us feel like were entitled to pleasure, were in title luxury and we are not. When you're broke your

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but your british Ramsay personality best selling author is my Kosovo pushed on the air today, open funds, a triple eight eight to five Five, two to five rocks Amazon Tab John. How guy thinks are taken my car, I am about a month in the ram peat bog and loving it good. And I call today because I also as you advise me- Do. I got rid of my very expensive car and I bought a six thousand dollar beautiful car. Nice said for you now in its paid off I love my next question, though things I have a lot of student love and I'm a public budgets,

Peter. So I have the public service loan forgiveness, which is a program where, if you pay for ten years, you get there If your lungs were now you don't, it was a scam. Have you not read the articles? Ninety five thousand people have applied for it after their ten years of service. Eighteen people of other loans forgiven, everyone else was denied out now. It's, not that into Hell. I scammed you. So there are some in our long term. Loans were given the programmes that are real. That one is not has not worked out and I would not wait ten years and hope that the government keeps its word because they haven't opened. I would just get the loans for that. My question, I question whether

wait, wait, wait it out, or do I put it into my debt snowballs, though, that snowbound rode over how much data begun its about two hundred thousand dollars? Man? Oh my goodness! What right. Do you teach I'm I'm in a k ate all I mean it's a different outcome and are you single married NGO? And what do you want? What you? What your income, my income, the E3, and how long have you been an assistant principle for about twelve years? It's gonna take you while I hope it get in years, but that that is a small shovel and a big hole and show you might

You may be starting a tutoring business on the side to get some income coming in and travel double your income over a period of time here so that you can attack this at a faster rate, but the young. Your return on investment, two thousand invested to get a sixty three thousand. Our job was horrible. Ah, a horrible return for you, I'm sorry for that. I am glad that you're there and I'm glad you're an assistant principle. I am glad that people like you or are serving I'm very sorry that you're that foreign debt to get into that to get that kind of income I mean so, my goodness yet contextual awoke it oh, but I would not be waiting on the government to do. It emerges start chip away at it and figuring out what I can do to get my income up an attack it as fast as you can ask distressing. Well it so hard when these

These numbers, like that and sadly there there more common the not these days. I mean like that upwards of six figures, people it's the reality and so that it just takes- take a lie interpreted on large room d, a hundred fifty two hundred a year and shift. So you ve gotta, you guys have not listen to the eight episode. Sherry's called borrowed future that the progress that the remedy networks did. You got me to go, listen to it, and so you understand how bad the student loan programme he is. If you know we the people, it is destroyed people's lives.

we, the people, are doing this to ourselves and I you and I are guaranteeing these loans goes, where taxpayers and and so on in were putting people like her in bondage, allowing her to do that to herself and I'm so sorry, what a horrible himself at beyond that- and this is one stood alone problem- has to be stopped its not working. It has to be stopped, it's out of control, its an epic failure and so on it just Jimmy sheet she's gonna be scratching alone for a while, just or heartbreaking. Our eye Yolanda is whether, in San Diego, Hey Yolanda, how are you fine, I'm very nervous, but thank you for taking my call for a common. This is in a related question.

Just some background? I'm in baby step to, and I've been going really hard at my debt but pray. Two major your programme and prior and my brothers actually before he passed away a year ago, had always every time I saw him while he was ill was telling me about this. Land acres of land that we had in Louisiana, and he was right You can't let this land go to waste. You have to take care of this, land he get learned bad grandfathers land had oil being drilled on it of which oil royalties could be collected. It's also classified timberland and eyes. It looks like it's over forty acres and so, passed away and it has been heavy on my heart to go ahead,

doubt delve into this situation, so I've done for research. I found out that the land is in my grandfather's. who passed away back in May, Eighty two and since then my father, passed away in twenty lab in India. brother. Like I said he passed away and twenty might teach you the or were their closure. And nephews, and I From my research I do have one surviving brother. My other two brothers passed away on. They also had children, My grandfather only had to to sign my dad- and I guess my uncle- I have no relation- had no relations with them is so right now what I did, but I really did not know how to handle this. I reached out to us. the attorney in Louisiana way. The sad

to have a land accession arm performed are done, and going to charge me thirty five hundred dollars, and I think there is like dollars of court fees. What the lander worry that I have no idea what the land is worth. I worth thirty five, three thousand five! Well it if they are growing oil, honest land. Getting little church. Well, that's what I ask Turkey. So the attorney says that in the state of Louisiana, that is the oil royalty checks, are uncollected over. ten year period. That money goes to. The state That would be, even though I believe that no one has ever collected any that oil royalties for, last may not be present

when oil there, when they might be, they might not be this. The sounds swamp land in Florida me I just artist. I don't! I don't think you. I think this pipe dream. Kiddo. I'm not spend thirty five hundred bucks on an attorney. Until I get a lot more information, I wonder what the role Checks are where they, going out alive, succession? How many brothers sisters, cousins, uncles, add some people can be split into this money? You can easily in thirty five hundred dollars and get a net when you're done of a thousand box after the property is old because that a well it's there, there pump and natural gas are there and then I get many dead get more at all I mean this is all this is all rumour and legends itself. Funding on the opposite am I did you hit a jack Why do you not know that? How do you not know that their silence oil is royalties if it was a power money, somebody would hardly been jacked up about it. They wouldn't have been growing. Other states. Somebody

These are brother, would have been over there for camping out on the flights get in and dig around. If you want kids, but don't don't don't drop a bunch of money on this until you get some more information, this is the Dave. Ramsey show Ramsay personality Rachel Crew number one best, selling off my dollar. Drawing me today is Michael Hoster. Only here this is the diagram to shove. Sarah is weathers in Concord, New Hampshire. I share our you. Try going. Are you out of there? I deserve. What's up

are you still, I husband and set back, Can I just a girl, establishes a moving forward. Looking up, Finally, I am trying to an eight year mortgage and here I am I'm wondering allow those emergency fund is like twenty five thousand dollars and I think it probably. But our overkill, both very diverse peoples stable and we had to make suggestions ass, pulling out some of that money to top offer a account and I believe that your values as a bone had idea but I'm just wondering about about doing that. like that, I mean we're both saving for dollars a month pretty much though we could probably get cash That is what is my vision up for

besides I memorized or whenever he saw a fifty year retirement. What are you gonna do with this? Only for the last boggled watch top notch reality of seventeen percent. And the rest are no to the morgue, our house here and so if you say I'm going to adjust my emergency fund down, because I think it's too to beef up, then he would just at the mortgage, ok, honey. We need to make your adjustments on their return, lockouts down to fifty percent and let's get the mortgage paid and consider what steps. What's the pressure of the roof is that it's you feeling that a financial advisor its pressuring you invited. I stood the apple As I said, we have like four hundred thousand dollars an hour. Retirement baby right now, then I think we're doing like thirty one and thirty five like I think we should do pretty well,

you're doing later there, so you're getting clear so what's happening. Sarah think you're getting conflicting advice. So it's confusing to you you're, going to actual visor nurse agnor. No matter what you max authorized, you max other off. We get that. investigator income, you do, but you only. We just talked about this Dave, for the show, even on an instagram, live about why fifteen percent, because an initial advisers. Gotta say max out that Roth, but their babies than actual about oil. To some of them are until you never pay off your house, but but all that our data data on the millionaires that we studied, which are actual millions, Not a financial advisers shows that they would be shorter. distance between where you are and becoming a millionaire meaning building welders to get the house paid off. Meanwhile, running some money and the next day. So if your four hundred double every seven years- and we of honour get four times or five times it's going to double.

The first time it now, if you dont, add anything to first, I'm a double just eight hundred the next time it doubles is one point six next time. It will just three point: two So that tells me you're gonna be worth just on that four hundred some at your age somewhere in the neighbourhood of ten million dollars now. So I don't know why you need to worry about maxim out your Roth today when they, a gull shouldn't, knocking out the death. You may need to look at what has because this financial advisory make a commission when you pay off your mortgage be makes a commission when getting your Roth. I array though I will we finance are housed or the process baggage day. I'm are. Our credit union is do it for only a hundred and fifty black eyed to refinance from office to an eight year and they are the interest rate, is pretty allowed to point to five. We could do that doesn't mean I wanna keep it.

Ray exactly- I mean we remain dog small- does no one here, but economic get rid of it. I get rid of it can't you act as we could pay it off in much you're years, been next year. I we could do it in our idea. They wanted and then you're done and then you go and you max out everything wrong Then you got available to users baby steps. Seven at that point show you guys awesome- I just realized you can go in your question. I can hear him questioning. Is your endure confused in your current, getting this advice, but they say that it so it's! It is so just declare path and that's the why to hopefully this call answer. I should find work, one more question for five days of at this point. Where work, I know or pay another house than were not like Gazelle. Anthony more in terms both of you not by those that way Do we balance having time and cash following like toys are like trip,

experience. There are things that we want to do and we wording. I found her being I thought you play our at but also maintain like you. and came up. I have we go from when I say we go from disease intensity. Just two simple intentionally unintentionally says after under my fifteen percent towards more retirement, no more and after I'd, and then I look, and I say, there's only three things I can do with money at this point. Pass that and that's pay off my mortgage. Give money away and enjoy money and all three need to be in your budget. Enjoying can be a purchase of a toy enjoying can be going on a trip both are enjoying, but those are lifestyle choices to a nicer cars necessity. It's cool thing and you should do it, but it's more, as you say at an insult both of those are just lifestyle, and so what you just do as you look at your body and soul,

you ve got this number of dollars how many those dollars or we have put to Us- I mean others and the house. Yet Sahara. Not yes, I would say that you and your husband did decide. Ok, are our end goal right there no sign is paying off that house, like that's the last big thing. How quickly we want at an you guys you to agree together, we want it. We could do this, for if you do the math yeah we could, or we could do in five begins at whatever it is. We go too far then go and more trap. That's right back it out, and you guys in the side and that whatever money is left, that's not going towards the house is what you guys can use a percentage of it to enjoy. and to give, and then I would still recommend upping a little bit of your giving during this process, and that was a great call out but the end the minds of backing out cause when it's like theirs. The beauty of I can we want of half hour how soon, but I don't know it feel it when it gets in the numbers in the budget. I totally get how gets foggy in you like it or not. This is ok you're, not well. Ok, what's your whole life? That's what you guys need that! That's your answer! I would not suggest that you have no fun

if increase and pay off a mortgage and for years I would rather you paid off in six years and have some of each so that you are, if that's the number or maybe pay off three years with no fun and four is a little bit of fun and you know: swans number try. A new crisis actually runs from numbering oak. I guess that feels like too much fun. I'd rather not rather do the other one. You know like Scotland that free stage paid off his house and I could just assume Scots not here on the microphone, but I would think Scots like you know at all sacrifice fun for two years to get my house paid off. You just tell that was helm rightly, and he did it and that's great. So it's your choice, but you in your ninety eight thousand in one year as a union, to gather need to agree with that goal as if its short lots of sacrifice agree if it's ok, we're gonna send another year to agree on that, but that's the key put actual membership for Russia will tell you I once on your mortgage and divided by six balance on your mortgage, divided by five balance on your mortgage, divided before those your numbers, and then you say

watch and here's how much I've got to work were divided by twelve, with the Italians usually to change its used up. I've got this much disposed, income after my fifteen percent, going into retirement no more into back that back down any show that gives us x for toys. Why? For toys? Z for toys based on the four five and six and then it'll be right there in front of a year ago that one, I feel good about it. I want- and you probably both agree to it instantly, but you're right the ambiguity where you don't how? If you put numbers in front of you on the numbers, will talk to you and they'll? Tell you, because you are right now you ve gotta got one about the feeling and I feel like I should do the it's hard for me to try. Four from disease, and hence it is simple and technology and not only not buried, but the numbers down you go out with that's one set, that's one and you got can buy a car. I manage car. For that, I can we go in nice trip for that

stop out the Haljan that number years, and so it it'll be right there in front of you and it's not gonna end up being. Don't pay the house off early at all and it's not gonna being, on the other hand, were you have no fun won't do either one of those answer you I'd. Rather, you get it done to shock. You got a substantial income or the going gets done, but let's just laid out and when the numbers will shape that's the one, how and by when you get a raise, Oliver goes to the house after that you already set your lifestyle budget, not a thing. I was gonna, think I'd like to within and come increase exactly that puts us out of the room she show in the Bronx

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