From the headquarters of Ramsay Solutions, broadcasting from the dollar car rental studios. It's the Ramsay show that is dumb casual gang and paid. Although mortgage has taken the place of the Bmw as those status symbol of choice, I'm Day Ramsay your host. Thank you for joining us. Open phones, a triple eight, eight to five five, two to five. As we talk about your life and your money, parents that I did on Fox to television last week has been blown, and are carved up to it

of left wing crazies and my twitter feed is full of like this prince sleeper, says diversion you're, actually a piece of blank Elam laughed. My off! Ok so basically a bunch of juvenile delinquency. All over my twitter left wingers because I've got about two national on the national she's got about two on a local scene of about three more left wing Buber progressive socialist reporters who did test everything- I do- and do their best to ride up an article showing that I'm a knuckle, dragging primitive idiot shop. But This is because I said I hate the stimulus package, because if sixteen hundred dollar fourteen on another six on dollars changes your life, your already screwed, you don't have a life and means a diver. Andrey is an old man that hates every body and diverse

she is a piece of blood. and all because I some snowflakes I couldn't get some free money are shouldn't, get some free money from the government. So let's go walk through. Why, I would say something like that. Is it because I'm really mean and angry and hate poor people? Absolutely not simply ridiculous. On that hurry up. My life, helping people get out of that and become wealthy and about more people. Get out of bed become well, they probably than any, by living on the planet. Right now we ve got twenty. in people listening to this show em. guest on a daily basis. I mean added up. So let's talk about. Why I would say that, because at war with anything that is going to keep you

with anything or any one that is going to keep you the listener. You, the reader, from living in abundance,. I want you to win financially, and I am sure, after thirty years of teaching this, that personal finances, eighty percent behaviour and twenty percent had knowledge, and so how you be hey, you ve is most of why you are able, build a life of abundance, starting from nothing which I have done twice I started from nothing became a millionaire, but almost twenty eightth lost everything because I was stupid and then I moved on and did it again in spades show the idea that Europe paviers come from your beliefs is a big deal. What you

Leave about life, caused you to behave in a certain way. If you believe that every step on that I shouldn't cracks, you're gonna fall through and drowned in the end and you're not going to step on the ice. What you believe affect your behavior causes your baby, all of your behavior I'm from your beliefs shall win, You believe something that is false, that is a lie. Especially when it comes to live your living your life in abundance, I'm gonna call it out now, few believe that the government of giving you six hundred dollars is going to cause you to live in abundance. That's ridiculous! But if you believe that, then that gives you permission to sit on your thumb and not to go about taking responsibility for your own life. Now I don't mind if you

the six hundred dollars, I'm not mad about their! What I am mad about is this idea that it's gonna fix your life. It is not gonna fix your life, you are gonna, fix your life and in time you take personal responsibility for your life. Your screwed is their systemic per lunch with wealth inequality nodded is the extreme left- thinks because they it's so systemic and so overwhelming that you will not be able to win until wealth is redistributed. That has never been proven to be true, not in the history of mankind But if you believe that there are systems problems that keep the little man from getting ahead. Then you will not take responsive. For your life and go wine, and that makes me angry and so Chris Hogan Ramsay solutions, little book called everyday millionaires, routed the largest study, a millionaire showing that ninety three percent of America's millionaires started from

Nothing and received nothing too close to nothing or receive money after they were already millionaires. They did not. come millionaires mathematically in the largest air, tight study ever done of millionaires and North America? They did not become millionaires mathematically because of an inheritance, so You believe that the only way to become wealthiest to inherit money, therefore you take personal responsibility for your life. Yeah like that for your own good, I'm already a multi millionaire from ok. I don't I'm not agree I don't need your money, don't buy my stuff if you're mad about this is fine with me Don't listen to show if you're mad about this is fine with me. Just don't sign up for stuff, I'm fine with that, but everything you're gonna get from the Ramsay Organization is gonna, be about you being a grown up and taking personal responsibility for your life. You're waiting on the union

if you're waiting on the government, if you're waiting on your big. company. If you're waiting on anything but then you, the person in your mirror, to take responsibility, personal risk, mobility for Europe future. You are going to fail, you're going to fail All of those things are going to. Let you down. If you believe that the only way to become wealthy is too inherited and you believe, a lie, Your belief in that lie. Causes you to shut down and not stand up. Leave the key kill something and drag at home in a pisses me off because it keeps you from winning. It keeps you from winning. If you I believe that the government that declaring a fifteen dollar minimum wage is gonna change. Your life very few we'll get rich on fifteen dollars an hour you're gonna have to better than that. We cake shock it up. Buttercup.

you. Gotta get up, leave the cave, kill something and dragon home hustling ground. Is your personal responsibility to go, create a life of abundance? and when you think that some else is going to cause you to become successful, that The moment you have signed death warrant to the Success parade, you're, not gonna, be on it and so lefties saying the government is here to save you. Is a lie If they send you some money, take it it's one of the few good things there ever gonna do for you. That's fine but you sitting on your thumb because you take the government is gonna fix your life. You are screw. You are.

shipping, a god that doesn't exist, he's dead, God he's called government as your provider is not your provider, she is not your provider, they don't have the capacity and they can't do it. They won't do it. You run out of other people's money when you believe and socialism, you are responsible for you darling. I wanna lead you into abundance from wherever you are, but believing bull crap is not gonna. Get you there. Your number one wealth building tool is your income. Business owners. This comes as no surprise as you're here, putting an extra hours and watching your bottom line. That's why christian healthcare, ministries or c h m is a great option for those who are faith, focused budget conscious see Jim is not health. Insurance rather is a health cost sharing programme. It's not harder, but it is deaf, to learn of sea a jam is fit for you or your business

c, H, ministries, DOT, Org, slash, budget, listen to Ramsey, show on Dave, Ramsey or host. Thank you for joining us at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five, as we show you the shortest path from where you are into abundance, with the right belief, come, get you there and steps to take. Svetlana is whether in San Francisco Atlanta how're you try gave Alma ATA guy contained myself.

me too quickly to watch. I live in the San Francisco Bay Area, where the fabric of the steady we You thought our first hold out for five years last year in August, because we thought a leader. How does the market do this as well? hold it wasn't the height of the markets and our regret that we were into winter. You wait for prices to drop, gonna interest rates are low, shall we just dive by now, prices are in Spain in our area or do we, continued away, but I'm just worried about distorting away money right. Take you know! Well, San Francisco market and Silicon Valley, in particular from the most expensive real estate in the world, as you know, yeah and I'm only then it is. It has done nothing but go up here are going to stay in the area.

Owning really are owning real estate is the best thing to do. I don't know No if it's going to go down or not, but if your to stay in the area say, let's from pick a number ten years behind the market, may get soft in California between now and the ten year mark. It could even down in value, but tenure. today. I would be very comfortable and glad that I own the and real estate. I think I think, and what I m basing them on is. The California has always been a inexpensive, real estate market, San Francisco, the bulls I and and it has always had more fluctuation. It's always gone up and down, and you had to that medical climate, you ve got an economic climate as result of motion, shutting everything down the huge number of millions of people leaving California

What what is that supply the man going to do to drive realestate prices down it? Might it might? I don't know it hasn't yet that war But nor should I not dream, but none of our none other real estate, real peace are telling us. The market is soft in California there, over supply of real estate due to the nuts people leaving the state yet but the night that that's a possibility I do think that will be a short lived possibility, because I do believe that Californians are going to get their lives back removing governors or electing new governors or whatever over some period of time. I don't expect the courage added to lash ten years. That would be a weird thing but it has gone. You know now gotten considerably harder to live there over the last twenty years, economically,

All of that affect all the Victorians die prices, that's what you ve gotta consider. So I don't. I still would believe in Eurostat Morgan on the long hollow? three year or a five, your window, I don't know receiving like this. The number of people leaving a given state. And they're all the wealthy people and the producers that's whose leaving because they don't wanna, get taxed or the wealth tax. They don't get tax. The weather been overtaxed: they don't want I they want to pay for all these things when the climate has become an tat business and so on. So it's affecting the economy, the political left fighting the economy. The political shutdowns uncovered is affecting the Me verses. I was in Florida last week and its freakin boom town

you can't get in a restaurant. You can't get in a hotel and again the political climate is that governor has opened that state up and boom man. People are out there. and so you are in Florida, owning real estate. Yeah you're gonna be a real happy camper three or mark the to your mark, the five year marked than tenure mark. But that's the thing your facing and that's what you ve gotta through and watch for yourself, but overall, if you think we're gonna, be here ten years, no matter what happens here, we're sticking it out then boom. I would buy that simple. For the gall Henry is weathers in Wisconsin, Hey Henry welcome to the Rams Asia. What's up It's an honor to talk to you knew too sure yeah. Thank you saw just some background me I'm thirty years old, I married we just had a baby, and some birds are first kid. We are wrong

in the end. We are that free, so no house, but were saving up for a good downpayment. At home at some point, whenever that's right, brass, I've, Daddy's four year, degree, bachelor degree and criminal, this and I've been utilizing their degree working at the county jail for the last eight years where I live and the last four years I've been a shift supervisor there the longer I work there, The more I am feeling is, though, I'm not happy with the work environment Why Intel aren't always the greatest in my line of work, other prisoners and understand what I mean here larger number? You know what's shocking an angry at me. sure, I'm sure, there's some regret guys and girls, but most of them are therefore reason. You know exactly so

and I'm just becoming more and more disenchanted the career and the job itself. Now that being said, there are promotional opportunities for me. and I believe I might be a candidate for them. However, time is an exit They are my side. I think it's gonna be a while, maybe you in a few years yet and that's not a guarantee that I get any of these ocean. So what are you doing? You're no job cause you're gonna leave I'm thinking so Dave, I'm already a day or two from having an asset interview with another. It's it's the largest, employer in my colony and

They're gonna have an interview with me, and this is the final interview. I've already gone through a bunch of over the phone stuff, but them saw it. I feel good about it day than I think. If they offer me there, I think they're going to do what it that feeling sorry can be doing I'll, be out I'll, be a supervisor again I'll, be a production line, supervisor. Sure, ok, I think a lot of other things now related to my degree. Obviously, in criminal justice they're gonna translate over is having four years of supervisor. Experience were met, no okra. I think they, like me, Dave. I think I'm gonna get the job if this interview goes well in two days, so I'm just wondering and my pain when patient now am. I, I don't think I'm happy now here s what I hear if you're still doing this to which it currently doing ten years from now you'll be miserable, and I know I

I dont get promoted or anything. I don't ever get around that now give curving promoted the warden you're still can be met yeah? I am. I already know that a far more, nothing, you said is I'm passionate about this work. It's a j o b that went bad there in I have pride in it I loved it initially. You know it's interesting. I honestly about a lot of its, not just me. You know that and fell there. The inmates go. That's the way to wait on the wider Asheville shellfish questions and keep out of excuse land of the way something used to be, It's not that way. Now the way to ask ourselves. The question is ten years from today, twenty years from today, if I'm in the same field, working for the same employ you're even with promotions am I smiling, and the answer to that question is now you're, not gonna, be it might be? No, what the other place, but the other place. I just step,

and at least a positive trajectory and so you're, probably taking that, but I'm not even sure, you're staying there. You need to ask yourself: what are you gonna be ten years from now and get about the business of becoming one of those whatever it is and checking Coleman dot com can has got great literature lot of free download and things on picking a career and then on how to get the interview, and he can help a bunch with that these are Ramsay solutions, career nationalist this is the Ramsay show Where are we all have enough on our plates right? The last thing we need is to not get a good night's sleep. Think about how effect. You're, gonna, be during the day, if you can't even think clearly, because you didn't actually arrest that

other regions, I've been recommending, tuft and needle my family has their mattresses and they start, As low as three hundred fifty dollars blush Try it out one hundred nights risk free, go to tee and dot com, two figures out: they ship it too. Your door for free that tea in dot com Well, then, back to the Ramsay, show Michael Marilyn Weathers Springfield Massachusetts, guys. How are you, Dave. How are you better than I deserve actually almost green you're dead. Free! Congratulations! Yes!

how much of you paid off? We it s about two hundred and twenty five thousand dollars in forty five months. And I'll arrange of income during that time, but we can around ninety nine thousand and we bump it up to one hundred and thirty thousand, who will do for women well I am a vocational tee. add a collision repair instructor. Local LA vocational school, and myself. I work in a local community, half widow s front, that Secretary Sola, I've been with in line with the covert nineteen happening. So much you're students come out, not anointed. How do auto body work is that correct Europe, and also personal finance through your day, very empty solution. Apple. Thank you for that. So what's your what's a young man or young lady that it learns that trade at your vote,

school make when they come out of your clash, well mode Students are making between fifteen sixteen dollars an hour there. We have a call up programme which is nice because one week during shop and one week in an academic course, but when they you waiting go into that career. What do they make yeah that debts about it's gonna, be about You know when you're done you when you say there seasoned, I would say about forty, two thousand: ok, not very career burger, ok, Ruskin, ass, interesting! So what kind of debt was the two hundred and twenty five thousand The regular you know, car pain and credit cards, mortgage and little ass. Pamphlets loan not a bit of my own college long. So we were the normal family out there with Georgia. What happened for years ago, for five months ago,

everybody knows that the little before their basically Michael told me no, and it was a time where the kids we're going into collars and enables college expenses in college Torres than it was Palmer, was eating at my income because they were the ones I bid his herds and ours, and we had learned from that. Thankfully, from you, we would. Therefore, years or so ago we went on a camping trip and I had got from the little library near by an originally is called slain the dragon by Harry Low, and we it allowed Michael, but in her book he said your name. Could it with her turning getting out of debt and your name came up multiple, multiple, multiple times. So my That's my guy. He is we Google do. We went to your facebook page. We went to your web page. We learned about financial, I learned about how we learned about the every screams and your lovely turning point

You need more turning points. We love both their awesome Anderson. That's that's like the rest of the story. the rest of the are true that is true and down. When we came back and I camping trip on a Sunday night that, following Sunday, we were sitting in financial peace University at the local church being held there. Ok, and for me you know been about fifty three fifty two at the time, and I and I was looking at in a while- we up to earn twenty five thousand dollars of debt. And I'm retired, in ten years. What what's the magic on out there to trade and try to get this all down and or retired, as we want to be able to retire in the NBA. to feel good one. We retire and making sure we haven't good good nest egg. There absolutely very cool, so you went through the class. You did everything. It sounds like

and so you roll up their sleeves and you get started. So now you paid off two hundred and twenty five thousand. That's me reasonable number, eight years it s really shocking to see him like that is in it was really quite the journey we both had. She does Michael work. Seven days a week for four years we also have the room in the house as well the help with the because we live in a fight colleague area. You can't be there and it's been fantastic and its astounding to go back to relive it. Could you I may living the time I was midnight in a kitchen. They did commercial cleaning, Somebody else, Vienna, dried on macaroni teeth in the think, pretty much frightened to myself that. Why am I here? Never again, someone's almost as will you borrow money in your answers, a quick, no, no, no, no, no wind energy in its in its great Dave, and when I have the young students in the clouds and going.

to the high school edition kids already had and teaching that an eleventh grade and students already saving for cars. borrowing money and in I've got the big charter north your honor, and that you have there. I had the graphics communication departments blow that up for me out of date also the kid they look you I can make this when you went Retired, Vienna, it's really inspiring! Now, that's very cool Rico. So what are you tell people the key to getting out of now that you die entirely five thousand. Currently twenty five the number one you need to know them knowledge you gotta have the budgeting skills. Then you know we The lines of money came in the many went out and dumb. We went on a merry way and we, you gotta, have a budget that if they under the budget you gotta have goals, dreams haven't, have wants and needs, and you have to do together, so we made the budget we created vision board. We can, we hope, will

he's been dreaming of the future. We want to be an asset to our kid. So for me it was the learning the budgeting your talent, Toto Money make overbook is like this. But nowhere we give up. We give those forgives Dave. I lay like a month my fingers when a graduated well, thank you. I appreciate, I'm so impressed with you guys. You are absolutely. You took personal responsibility for your lives and when you do, You turned everything around it took a while, but you weren't a pole and you can- Chauvelin work on and shovel and work in and shovel and working, because you could you Behaviors reflected your believe, your belief, because we can get out of this, but we're gonna pay Mr Wynn rather live like no one. Also later we can live and give like no one else, and when you believe for that you went about the business of causing it to be true, I'm so proud of you. Thank you very much. I await your written Lana hide worth beer from support too

and then we come to find out. We had somebody are our local sepia, her name, Shannon right out, and I thank you. She great under you issue that your house, having dinner with the old and she she's the own away Sepia and she has a pie, gas as well- and she talks about money and I've been on our show with students as well, so that can the local community radio good here You know what was going on at the school as well. The kid at an early age, you that's it- that's the key dining out in the high school. We really need to get it into the education for three willing to even further every day with people like we are signal. Have the now as then, there was a lot of work well worth while we're you know what a successful person is its in everyday person who went about work went to work every day and then they and they made the stuff and that they needed to do the nest? They did the things necessary to become successful.

They must have room, went on someone else to fix their life, and so you know, sitting at home, wringing her hands, hoping the government syndrome money yeah. Now now it was. We could think that, at the end of the day that head on the pillow and how proud whether gay young we knowing that we put the money- The debt didn't accrue anymore and never will go back. It is astounding and were very thankful for a family. Our kid through your book for her, personality there, they Ramsay solutions and for the Smart conference, marriage and money. Guess weren't. You opened up for an item you hear here we gonna copies. so everyday millionaires for you were so proud of you guys. Go on Marilyn from Massachusetts turned twenty five paid off forty five months- Ninety nine two hundred and thirty thousand dollar income counter down, let's zero dead, really

where money and the government made none of it and I paid none of it. They were left the cave, killed something in drug in home. There called rock stars so proud of you guys

Why last couples Jeffrey scream was absolutely amazing to earn twenty five thousand dollars paid off and forty five months. you be maybe other day you might be trapped by snow in your area, there's a bunch of us have been some of us our work here today. Some of us are not some working from home because we till she got hit with which is actually hot, lard or driving the snow for you stuck up Yankees to think we shudder. Scant ravenous know most of us aunt, you're right, but some of us. An opportunity for us right next to get our trucks out too so anyway, we start at home in Europe that turned twenty five thousand dollars paid off or maybe you're not stuck at home. You heard that do you think you would, ever be able to do that. You know what you can you can do it. Nice are made up thing. It's not false positive thinking.

We ve literally led tens of millions of families. Out of that, and you can do it too. Ramsay plazas our step by step plan. They get you a quick when so you can make faster progress on your dad. It includes financial patient overstate the class they were talking about. The vague oath went through. It includes the every dollar premium, budgeting out the world's best budgeting, app and once That's gone man. You got money, then you're, giving most of what you earned some one else every month and you can try Ramsay blush for free Once you become a member you'll also get special benefits like the federal Classic E file.

with Ramsay Smart Tax as a free, you can do use our free tax software. If you remember the audio book of Rachel Cruisers brand new best seller, no yourself. Now your money get all kinds of benefits when you're into plus member you'll have everything you need step by step, small steps for the first night, Russia you exactly what to do to start your free growled, Ramsay Blush go today: Ramsay dot com, Slash, Ramsay, plus Dave, Ramsay Dotcom, Slash, ran three blush terriers, Witherspoon, Fresno, California, High Terry welcome to the driver amnesia. Thank you Dave. I'm such an honour and privilege you talk to you you to help now. Q I'm So on sixty one- and I first Rank Rapture- show about ten years the girl, or so in about an hour. Time, I'd, I'd pretty much created? Oh, I guess.

financial bloodbath. So to speak, I had two. I had arrived in my family originally from Tennessee, and I arrived there with about hundred fifty dollars in my pocket and afford you didn't tell. I had left my husband in Hawaii I started a life over- and I I was one of those- All that caught up and got caught up in the whole deal with data. She asked and I I was looking and realizing I Didn'T- have anything, save nothing for my kid, and so I went down box war houses with no money down for each kid. Where are you two dietary? Are you Now and then an outside caliph yeah about an I'm sorry outside France. No California, are you don't financially. Today right now. I am doing really well got how much money- and I got up gather about

and a lot. That is what my quest is about, but I've got about. Eight hundred thousand five hundred thousand dollars- and you started with six fifty, I'm so proud of you You and I, and I couldn't hear whisper that reminded you, took out an early. Thank you you were, so how can I earn? So? How can I help today? What's the deal well The question is that you know I've. I've used it storm, getting close retirement I've been because I got third lage. I've been aggressively pushing you know aggressively, invest and I have all these different accounts. And so my question is: how do I manage all these retirement? A cow should chippy, if you like. I would urge them. Should I I'm just looking at advice, but what's next

don't you know a gun I built so many different now drafted. So I have. Two three four I have so I'm gonna have five my body by the next within the next couple of months that I have for now. and a hard Juno should and pay you fifty thousand dollars a year to watch five accounts. Ok, you could do that. If I go any body, they can go from six hundred. Fifty dollars to five hundred thousand dollars can watch five accounts of our own. To pay you fifty thousand hours you to do it by the way that the income there five thousand dollars oughta be producing, for you is around fifty thousand hours a year in so give or take a main somewhere in that range insulin. What is paying you to manage them, but you have to make them behave if the crack, the whip on those dollars church make you every one of them behave and if you want some help in some guides, us not

he said are here the baby shudder you're, the one that took control of your life and you're, the one that will manage your life, but if you want some help in some guidance and some advice to go with it, then get with one of us rest reproach and you can roll them all over to their care and you look over their shoulders. They look over your shoulder, which were you wanna call this, but either way you are still responsible. The good news is only five accounts, not fifty and someone that it can go from six hundred. Fifty two five hundred thousand can manage five accounts in watch em. It takes ten minutes a day. I mean you can do this or less, not not that look at him every day by the way, so I'm so proud of you very very well done. Thank you for calling check smart vesture per hour day ranjatai com. If you want some help, but I think you can do it Today's question comes from Stacy and taxes from blinds. Dotcom find out for yourself why blinds outcome. the number one online retailer of custom window coverings. You get free samples, free shipping and with the new powers

they run every month you ll save even more use a promo code Ramsay to get the best possible deal station says I'm engaged to a forty three Euro man was to children. He does not want a home is making payments on his tomb, uniting truck I'm twenty nine. Graduating with my masters degree in may- know that no kid over a hundred thousand dollars and savings. He pays almost thirty percent of ASEAN. for child support insurance, leaving roughly seventy percent for our new marriage, I'm buying a hundred percent of my income to the table and I'd like to draw bounded with money, since I refuse to pay for his kids, we want to have children or Mary I'm trying to protect my assets and ensure they go to my children and husband. If something were to happen to me, how can I set boundaries with funds for his children and protecting the future family? We would like to create together Stacy. You guys need pre, marriage counselling. You don't need to get married. You need to put the merit,

held until you get some remarriage counselling because honey. If you are already upset about his kids that come with the package fifteen years from now, you're gonna, be sorry in extremely bitter and pissed off a woman angry about his kids beyond belief. I'm getting aim but worse. Instead, if you're gonna marry a man who has children, you need to be ready to lavish children as much as you're gonna love, your future chilled If you're, not in that pleasure, can't get your head in that place, don't marry him. Please you're, not gonna, be a blessing to him to yourself or those children for sure you already resent them. It's dripping off of these were

and I know you didn't mean to- but you just said it real clearly, you tried to hide it, but you didn't even try, but you didn't try that hard. It's all right there. So please, you guys get some free marriage, counseling and please do not get married until you can solve the position of his children in, heart because his children have to be taken care of the man that you love and you want to spend your life with, has a prime primo responsibility and he loves them, and if you wanna be mad about them, you're gonna be a trouble. You got me trouble for him and this is not a good marriage you're about to make a mistake until you can get your heart right about these kids now you should not enter into something where you have to be protected from other people inside the marriage.

how marriage workshop so now, please don't get married, they get the shop when you get to solve its gonna. Sound like I dont need protection. This alone, Everyone in mass so much that they can have my money. That's called them are you ready to make one of those don't get married? This is the ratification of a friend or a family member. The needs a daily dose of Ramsay advised in their life. Let them know about the Ramsay call today, podcast, it's a piece of advice about life and money in under ten minutes check out the Ramsay call today, wherever you listen, if you

caring for fun and practical ways to save money in your everyday life. You need to check out the Rachel crew, show a podcast from money, expert, Maidan, Rachel crews, guises rights of creators, and I'm so excited to tell you about. My party has a lot of you, darling, paychecks paycheck their end ass. You don't even know where to begin that they have this need. This want to get in control of their money and is that you have come to the right starts. So each episode during at a time of inspiration and practical advice, if not subscribe to the rates of crucial podcast, makes region today, you're more from the Ramsay network, including the Rachel Crucial wherever you listen, depart, gush, hey, it's James! Pretty of the Dave Ramsay show this