Why quarters Ramsay Solution broadcasting from our car rental studios? It's that day, rammed regime where that is down issues in the pay it all has taken the place of the Bmw status symbol of George Michael vote today on the show Rachel crew Turingi personality the whole number one by selling author and also- Daughter, answering your questions today, the phone number eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five that's eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five

starting others. Hours, John in Virginia, hey, John, welcome to the shop but I'd rather make how you better than I deserve. How can we know? Is there some point where it's all right to put your emergency fund. Into a non retirement investments they can earn money for you incident just go in there and I understand and got even emergency phone have had one Maya, my whole life up at what my life. So what's your name I was. Right now, my work is one he had one hundred ninety eight thousand dollars on worse So much is in your emergency fund. I keep. I was keeping twenty thousand dollars by March, because our cattle haven't death. I know my ass. He paid off are you married even toy doubts about their marriage to keep more, I'm not

ok for a single guy and your how old, single guys I'm fifty six usual mathematically. The Ask your taking is how much the market might fluctuate when you needed twenty thousand dollars to do ex wires. Free. And the market is down ten percent, so my culture to Graham Margus down twenty percent like this all are the spring and agriculture foreground, Would that bank rupture with a one point one million dollar net worth now, but that reason we keep it handy, the others We keep a handy emotional right, Rachel YA. Think having it on hand. Having to go and take it out, investment we just liquid! That's right there. If it's a money market account savings account you can get to it and you always people that Europe does he it's like insurance, it's not an investment, and so I understand the math ethically psycho, possibly losing you know what what it could grow to putting it.

Market Breathin just having at handy in considering your net worth How can I change your world either way and are still just keep it out? Keep it liquid, keep it handy. So if you didn't eat at your disposal right out and you're not worried about having to check on it, and no, though your murdered C4 the thing that happens sometimes or marketing year. This John, but you know we ve got seventy, and people. Ask me this conversation, so here's what happened. To some people. Sometimes, let's say you put it in the market: ok, personal mutual fun and say the market was down and your needed ten thousand dollars for whatever ledges would it make up an emergency? Ok, a lot of people would go put that on a credit card to keep from carrying out the investments was now and obviously that's when I would get my gun out right, like now, guy. So that's the best one of the dangers, but there is something about having a

the foundation and the emergency funds purposes, not really to make you money. It's insurance insurance costs money to protect the things that you have but Rachel's right there. The either decision you make is not going like you, but just don't allow this to cause you to rationalize another step and so on taken up money out underscore picture transmission, the car with a credit card, I'll pay it off later. Now, when I go on that round, because you judge that just cause? You don't keep it liquid, so I keep mine liquid. I have an added reason to do that, though my wife after us going broke as a stimulus. Staying married me as we have an emergency fund, even touch it for emergencies and she's Fully so is a scar fully. So is hard core about that and that's in America. What makes a big difference right law does.

For women? The number one financial fear for women in America is the lack of security and so feeling like you're not secure. Is that fear that comes in and plays into your emotions- and it's amazing we I say thus but after baby set after you paint, followed your debt Yoda, fully funded emergency fund you're in a totally, front place emotionally, spiritually, financially, we everything is so differ when you dont payments- and you have three to six months- is saved in the bank and its there. You can get to it. If you need it, just its accessible. It's right. They are Munich! That's what it's four and- go on and invest Syria or fifteen percent retirement you. You know you start working on the line, but for sure I guess fit for the whim anchors? I'm that same way- and I just knowing its there and even its money I'll even out I'll talk to Wednesday. I want money, I'm ok. So how much is our money market accounts? As will save? We have emerged. He found in one fund there and that we will put other savings in it for short term savings and

a total amount of aid like, but does that that doesn't include the emergency fund right and he's always like Rachel. I never include the emergency fund because we're not touching if we don't even pretend like it's there. It's just like that it's there and that we want to retain its there, because I don't even want to think about it. It's like, if we absolutely have to have it, will go to personal, drawn. You ve done such a good job. What money congratulations everyday, in air. You're gonna be just fine, whichever decision you make on this, the downside you ve got is don't let it fortune to bad habits. Number one like like taken on a credit card debt to keep from cash, not investments rather down. You know, member, to unite, make enough on the account by investing it, to make much difference in your situation and you're not gonna lose enough by not investing it to make much difference nor situation. So you know you're talking about a thousand two thousand dollars

Are you now and it's just in your world? That's a small amount of money. I don't feel like it when you say it that way, but it is a considerable one point. One million dollar network well done very well done open phones, a triple light, eight to five five to two, five Rachel when you and less pirate or doing thee money and marriage events you I'll get over the emergency fund on the content I do when I talk about financial fears and ways to overcome them. Tactically, the emergency fund plays

Two to a lot of this here is, if you have been in place over the years of leading financial peace back, especially when I used to leave those classes personally live. I was the coordinator. I was the small group facilitator. I have watched over the period of time the number of weeks man weeks, thirteen which it used to be in the older age, a couple command that class and how a wife feels so different when that emergency phone is finally done. And if it happens during that thirteen weeks with their in there just the way she looks at her husband, I mean it's: it's it on people who are well you're being sexist. Now it's an observation of human nature. You call us, massage minister, whatever crappy wondering up with on twitter, but the bottom line is that either this thousands of times it's an observer

both human trade, not true of every single woman or every single man now and some more than others. Yes, I'm sure there's a spectrum, but it's an observable thing that there may just impacted because ladies relax yeah spirit has a assessment with marriage. I that is done with pulls millions minds, a couples all over the country and when we boy bill, the money, a marriage event Heaven. I talked obviously content all that, and so I pulled some of those that, because he had it and of all the the ends of it of Americans that took it's the way. And again I said earlier, but a shrewd e number one financial fear beyond Anything else for women was the lack of security and show so air, so yeah you fall short of our children is dug up front. What about your coronel, but asserts the Vatican,

not every woman by a lot Rachel clerk crews feels great when emergency funds, mutilation rooms, you feel more the great dome requirement if you're. Like my I share your always looking for inspiration when it comes to cooking at home. You hurt me talking about butcher box. This is a great company founder MIKE Sal Guerrero is a dad who understands how important it is to trust the food that you put on your family's plates. That's why butcher box delivers grass FED if free range, organic chicken heritage, breed pork and wild caught seafood d Lady, your doorstep, all humanely raised. No added hormones. Are antibiotics ever visit Butcher box doc? lies Ramsgate the check it out,

Maya is with us in Hey Maya, welcome to the Dave Ramsey I have also decided to you to watch up. Ok try to get to it quickly. So I was recently for allowed my job and early two weeks ago, a guy hit me- and he totals my car, so we got a huge rise on it, and I was a hard hitting like that and I'm after after this battle. My I got back why nine Alvin and I'm hundred dollars, and I old seven thousand one hundred and eighty five flatly Schmitt about like close to like Seven hundred arms, really know what to do like. Should I get like another car that in the? U, as my car, because I do have money in savings because of its whole corona staff,

like a little nervous, I'm insane shut about, like six thousand like I was thinking like maybe getting. I got fifty five hundred dollars more about worldwide, you got no payment on Yahoo mail so the only thing I have to pay my student loans, but I was talking, I'm gonna be fine. You're gonna get caught now get out, you should other. Can you hear me Just came back here. I'll show you sell your. You got rid of a car payment, bobbing Mohammed our total does what it sounds like something actually yeah yeah so understood, see because I'm gonna be whilst people back and that getting more alarm making more money from unemployment. Then, like my job, that I've got like all farm animals, I got let go. I was able to put a thousand toward my you didn't, learn and alone

But, unlike let go, I can't I've gotten the baby's that right is it like smart for me to just get like you, couldn't get out, so I guess you know what say you're so always said. The six thousand other car sounds good and I would not pay extra on anything until you get reemployed your honor, it's gonna run out the end of July and ran down the street shogunate alone up job and don't wait around now's the time to do it. I didn't get job search figured out, get that income come in That is a hard thing. I've heard that, from a lot of people who are getting more from unemployment, then their pain paid originally in its tempting right, obviously taken it in kind of cucumbers. Gambling losses, canonize and get paid more. But tonight in July, on based area at that, that's why I was gonna say: is that time flies for he looked up at yeah and if you're gonna get behind its like. No so saying it

and being pro active instead of reactive one July comes, is, is the key and you ok we are talking about. This will get about forty million people out of work. A large portion of more just go back to their jobs, gets us of that? There is a study that came out on that and I want to say it was close to eighty three and we ve southern insanely high. That will go, but if you do not go back and you do not go back into the workforce as things open up, there's gonna be large number of people chasing the jobs laughed the new job are the jobs that are open to me. A large number of people, point, people chasing those- and you know why wait until July, twenty fifth to chase down one of jobs, because there's gonna be a whole bunch of me- the coast out to the end there, and then they go crap, I gotta get a job and then competing with all of them. Yet all at one time like show the first two weeks of August is not a good time to be looking for.

When you run when unemployment benefits round July twenty fifth and because you can do of humans out there doing so, it's a good idea. Even if you make a little less to go ahead and get employed and stop the unemployment soon rather than lighter and assumes you do get stabilized. Then you push play again on your baby steps and you get rolling again she's weathers Jesse is in Idaho. I just see how are you and then good how you doing this better than I deserve. What's up, so we ninety five thousand a year. I my life of Britain Temper Center, I walked phone, which is matched we have another Roth. I do we put five thousand in every year. A catchword idea the twin babies to

So we no longer have forty two, but I was wondering if you will be more would be better to put two thousand each into an essay with an extra five thousand, like my wife irate. Do that instead of further college plan? Are you out of that accept your home network babysit, six o clock of baby step forward? What. The three fifteen percent, which were doing tempers and each in our authority. I would do fifteen percent total turn the four. Engaged in five in the rough irish. Then I would do kids college. And then, if I can find some money after that I'll go ahead, more comparable statistics, but also the kids it will be more important to put in the USA or since I'd be other catch up the higher the wash because I'll be overcome,

Now you don't use rather complicated, goes what we don't use cut Ross for college. I used five twenty nine or essays for college mother too, but if you want but more n, because you do, unless you can do that, here's what

I end up happening. You're gonna have plenty of money for both things, because you're concentrating on you're thinking about it, but I know it's a bad practice to have azure game plan using your retirement funds for your kids college gasoline. That's why? Obviously, it's a totally different step just to make sure that your kids, they have the money for, if you're on the staff and you're, not a bad parent for not paying fear, kits college here listening and you have a high scoring graduating soon and go I've told you have nothing saved, not about parent that he is at such a great position. Jesse is I've been doing stuff? Little kids know debt emergency fund yet and throw to two by two thousand and any essay or more into a five twenty nine you, the ones fallen, but let's go stay at fifteen percent which in your case was gonna, be in the neighbourhood of fifty thousand dollars going into

I'm not more and then let's get the college funding at an amount, were you feel good about it? Two thousand each is fine or more to five thousand each. I don't care what everyone do and then you find more money in your budget past. Whatever you dictate for college, then you go to the I'm gonna to baby step, six playing down the house at that point, Up next is gonna, be Marcus in Texas, say Marcus. Welcome that ever amnesia, We're going to have better than what's up, ah my got about sixty seven five noise, and still there are about ninety thousand my point K. I almost continuity, pay someone didn't com. I now have to pay a ten percent penalty and tax would have to pay tax with anyway correct. Not if you need not fear at retirement age, new cash it out, then, if it's a rough oil and Kay

the growth on it, so no Marcus yeah, we would not not suggest pulling money out of foreign K. I intend to take money out of retirement, is to avoid a bankruptcy or for closure and just to work the baby steps. If you have multiple or that's no off, you have multiple student loans, Lissom small, still arduous and start knocking him down that way. No, I would not take retirement out to pay off the steps which are not shoulder income, its alarm, a hundred go, show you have sixty the margins to learn? That is that the only debt you have other than your home mortgage. And I have my truck

How much do you only Russia strict about twelve down and laughed shift? Seventy two thousand dollars to pay off you make a hundred right. Yes it so he did in two years are bitterly six thousand a year. The user, which means your own beans and rice, got you and that's what I would do not destroy your retirement and clean it up as fast as you can. That's what we ve taught folks all these years. Let me do this. Are you sure you're married right? I know there. Are you single, ok, how'd? I am. I am twenty eight, how perfect, ok, cool! Let's do this, I'm gonna put our holy cows. Gonna pick up bordering it. You sign up for fourteen day free trial

on financial patient, firstly, and show you how to do that by the way. Any of you guys can do that a diagram she got council, I hope the free trial is booming and what auto those we can get you in there. You start watching the financial, biodiversity, lessons and you'll see. Why were laying all this out exactly this way of very clear com simple to understand hard to do process from Where are you are being a millionaire, and I can show you exactly how to doing so Can I help you get signed up for the fourteen day free trial by the way, folks, you can do them diagrams, you know slash hope, and I we started this pandemic shut down and were discontinued to do it right now. It's incredible opportunity for you, business leaders make your life easier with fresh books, whether you're

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People are in the lobby. Humans are in the lobby of Ramsay solutions. It's a good thing in humans are on the debt free state, which is even better thing. Jet and Sarah are joining us from Washington Dc. Welcome, guys think you have to have you got so you're here to do that, pre scream! We I love it, how much of you paid off? We paid off one hundred and twenty three thousand dollars now good job along this. Take it took us three years, a right or Canada, this mostly law school dad we're both attorneys rebirth went to law school in both in her lot of debt, and then we had some debt from our daughter, was diagnosed with a rare illness, and so he ran around at the time that we started. We had a several thousand dollars and additional debt from her medical expenses, So, what's your range of income during those three years household? Eighty,

thousand to one hundred, and ninety thousand part of our story was that we started this programme because we stopped getting any income. So the the time there when we are making very close to zero while it was really it was really scary. What happened there just job losses you just had a will. We work together at our law firm and we got our income based on the percentage of what our clients paid and then for a short period of time. All of our client stop paying at the same. Time well, yeah, it was really we couldn't control, we couldn't get them to pay and that affected our ability to make her a bill. Payments to violence. I'm sorry, you guys to figure out some Vanessa change. Yeah April twenty seventeen we ended up with no income and all the student loan debt and our daughter hospitalized, and we really get a twenty three thousand our tax bill and I was pregnant with our fourth child in month- and we were. I was so desperate all the time and I think this has to be different. We are right to come.

And two educated to be this poor, and this The latter is our two competently educated bathers stupid gap, though Executive Europe out exactly the same way too smart to bathers broke, but I'm stupid yeah, while it felt at the time like the worst possible catastrophe- and I think we looked back now and we that was really the hand of God yeah. We had been praying for help to do better in terms of veal, better Stuart Money, how we did with resources- and you know like he what we needed to be put in a place where we would look about and fight. Someone who had some good instructions that we can follow and get us to place today were really totally different place at another thing about a wake up. Call it works. You got an idea, that's that's the only good thing well, you don't have to go through. It might not prescribe pain. Is the only way to learn and believe

but it is a thorough teacher, yeah and haven't scared out of you I'll make you never go back. There this moment when I done the girl budget for the weak, and we didn't have any salt in our kitchen and we couldn't afford any more and we got a notice that one of a kind that he's gonna pay wasn't going to pay the bill that period, I'm sitting on armchair in my parents based me with my parents, basements wouldn't have any assets, and I just thought this is why people hurt people over money. Look up enough? I want other people with money and we, like my brain, was rough love. You haven't ever again moment. Be back here, that's right now that picture is so vivid and you painted it. So clearly, thank you and your message its own riveting. Limiting your mind, you will never forget that day

there were you the first one to kind of between the both of you say. Ok for sums has as a change where you kind of driving review both that apply like who who want to start. We icily was driving it because we were in this terrible situation and my sister and brother in law, who are much younger than we are they were can one day and she mentioned some up baby step two miles like what? What is that? What is that? What you're talking about- and they began to tell me about Dave, Ramsay, baby steps, and I was like wait a second. This might be exactly what we need to get out of this situation. I was really pushing it, but didn't. I have long had differences of opinion about credit cards, and so we have ever was come to an agreement on how to handle those in our Mary life. I had always um. I had had credit cards a long time and as a hobby had done, though you know, which one gives the better, are sent back and I had never had never paid dying of interested, so I thought I was ahead. I was winning an image and you know in some sense I take him over the credit card companies, but, of course, when we had about spot all of a sudden, we were unable to tip

often had accumulated, and that was my eye was how surcharge comes down his eye. I remember I see my kitchen when I knew showed that quota, but how The tide goes out. You can tell who skinny the bank raise my room of the great thing about the top, the baby steps that we were able to say that we do have the hash out all every part of our debt repayment than I could just say. I'm willing to do this whole pro. And judge that I'm willing to do a too knows a great? We can. We can join together. We don't have to barter- and in about every little thing we just they were going to adopt the day Ramsay Plan and do that together the beauty of law school. It teaches you teaches you principles, amend laws based principally, are absolutely and you can follow. The spirit of the law and there's a logical flowcharts, two things, and so when you see something like our planet, you adopted its it you're your mind. Trained academically to do that. Yes, what amounts to because, because of your training

I've thought do for your marriage because it sound like you guys were kind of on different pages. You said you were bar. You no sound like like a joint, sure something Diego yes, by getting on the same plan to gather and going down the same road financially too. That impact your marriage. I think it makes a big difference. I think it was really helpful because I do think that, prior to that, I think back now, and it was you know, it wasn't a thing that we side ion and we didn't we weren't. On the same page, we talked about financial things, and then we had I ve gotten by, even though we tend to do things differently and it had been a conflict, not a huge one, but you know it. Like an unresolved issue. Yes, oh do now have it be like a place of strength. You know we're like we have a plan and we are doing And you know if we get off track a little bit that we sit down, we talk about it, we see. Ok, what's our plan and let's go back over what is Dave say about to do with visitors in southern we just we followed thy way in it. Now it's like we can work on other

things knowing that this is happening, it's taken care of, and we don't. You worry about them and have you beautiful, show a hundred twenty three thousand paid off in three years, congratulation thing, you're heroes, you, what did what you tell people to seek to getting out, and that is why I seventy two things. The first is due Dave Ramses as the closer you can get to falling babies. Com are worthy of our grandchildren eliciting the closer you can get the best are you will go. That's I just we just saw that to be true. There were moments in our our road debt repayment process where we weren't quite doing it the plan with sometimes out knowing it and then we sat. We were not gaining traction, thought we were. We sat down about always know this. Baby steps tells do it this way. When we change course, we may so much more progress for fascist war. And then the support I always tell people is to learn to develop a taste for living. In reality,

They're. All these ways in which I had been living in fantasy without even knowing it. You know, like these barriers, are gonna, be all even though I can afford them, because its December, You know, there's ways are told myself that the fantasy life I wanted, which wasn't extravagant, but I couldn't afford it that he was going to be better than reality and God is not in fantasy. God is in reality. So if I want to be with god- and I have to learn to develop a taste for reality

So all the time when I woke up, I got a target and I do a big shopping call you know together. Will I got you a black hole. Guy has a new democratic and parking lot and then, unlike the wretch argot, I can't afford this basket. Yeah I'd have to act. I ve learned to develop a preference for going back in and returning it. You know that the physical wind in my face, like yeah, given I can afford to starve it's going back and prefer that over the reality which I bring it home, just pretend like it was an I'm a budget. Let's get you guys very strong for after I like you're you're years, your statement, the beans and rice race and beans. To me. That means you know. What is it that I need actually need in order to live right. Now is the question we asked ourselves and you know: there's plenty: people around the world who eat beans and rice live on that another complex protein, theirs. Those things are there and there is a reason why those are staples around the world. And how do you know that learning to live a sort of fits with? What Saracens reality learning to live to look at what really is

what I need, rather than sort of what I want her, what I you know going beyond that show you I'm sorry european, a long time you have brought the kids with we did it at every grain minutes Reed Nate Julie, and no one has the right and the red practising their debt, fresh, green yeah, yeah, red, nay, Julia Cloud had and Sarah from Washington D C, a hundred and twenty thousand paid up in three years, making don't want ninety counted. Let's era for each group, three to one where very good job- you guys very very well, then this is the day I'm sorry

our question that I from blinds dot doggone find out for yourself whether the number one online retailer of custom window coverings. You get free samples, free shipping, The boy promos around every month, you're save even more always use the promo code Ramsay you'll get the best the ocean, credible company blanche that gun Rachel. Our question for these guys. Yes, the council, Scott and Georgia, says Gomorrah David. Have a quick question about stockpiling cash for pregnant, and now you always say stop paying off debt and stockpile, but we are currently tumor way of being completely deaf free and a baby wouldn't be do until January, and we have passed that will have a fully funded emergency funds in an extra few thousand actually pay for the birth by December. Would you still advised the stockpile this? Instead, a pang of the student loans. We are so dang close. I hear this what, though, from people Renee

when their at every step to undercut sellen tat weighs one go, go, go, go, go, they see them ass. They say progress there like we just want to keep going beyond the advice. Sorry to say it is just to pause and again you're, not pausing, forever stay current with the debt the student loans but stockpile of cash having it there, because we just doctor that free couple they had medical bills here that they had to pay and even use you what's gonna happen. I've never had a copy of a baby and say I hated that I have too much money in the savings account when the baby came up I get so anything is have all that money there at the moment, baby in me, come home. Everyone's healthy everyone's goods is right. The check and pay it off. Have your word: you're gonna, be there and emotional. You could even say we're we're they are only that caution like the monies there. We know that We're gonna hit that that that part, our financial walk, but having that cash

Annabelle daring, something like this is more than four years rather wording wonder if we get it national law back baby wouldn't be do until January. Maybe in January. You would know right now, yelling say saying there: pregnant, wouldn't. Some almost as if they think again would be do says what about does, but it would not be any will not be doing to assuming your front with Graham R, assuming you're pregnant and not thinking. Now, I'd like to be perfect, I hear you I hear me. I have to say that if you're thinking you'd like to be pregnant, we don't stop all that. Yes, we stop when, these really on the wet. That's that's the thing. If you really, pregnant. The baby is really do in January than the first set of advice that Rachel not just gave. You would stand Luke is your there's a new Yorker Luke Welcome Ramsay, show. Today, our you better than I deserve. What's up

when the longer you paid at least I'm a young guy. Just graduated college. Congratulation What you are going, it alone beg you actuarial by local yeah yeah. They're. Just like you go on you such a long homage to London. I had twenty two community law- oh god, I'm officially deftly yeah yeah thing but now you know, obviously my questions about the emergency fund Company offers a six percent match on my for one day and I'm wondering if I should judge utilised that no six percent, while I'm feeling on my emergency phone. Just so you know get that extra equates about five thousand bucks a year

on cars gotta you tomorrow, emergency fund together put away about fifteen hundred everything would be a month, so I would say about six months and months what your income about. Ninety but you don't have any expenses you're a single Gasteropoda College. I will not go over the New York City, so it's not three to six months of expenses would be like ten grand yeah yeah, and you don't do that you're gonna- do that, unlike five March yeah yeah with Urim common know your maiden, you're, not a girl, you he added, I now you're gonna die you mean you make a ninety and you got you got no built but written taxes and lifestyle yeah yeah, I don't have a great you. I thought you had a big like for you

what the advantage rather disadvantages that your mouth nerd. So it's killing you not to take the six percent, so I know you're like conjured ones yet another do it. Yes, there's that side, but also, is on your side and retirements. I mean it's still decades away. In so it's harder, as our advice is obviously to pause, retirement, get that cash in the bank for the emergency fund and then move on to babies, up for and usually we're having I'm having to give advice to people in their forty is, or even that these and, like all like you gonna hate backdrop, I do up math on your side, but for you like cash, if you pass for six months, like you're, fine, like your good, so I would you stop product cash out there and then press play again I'm at losing six months, even at the six percent match is not going to kill you when you're sixty five now you'll be a millionaire within eight days when you're gonna be anyway showed not in all your you're gonna be just fine do the stuff in the right order, because it lays the foundation before you put the walls up and

that's what we gotta learn today, Joe is with us in Arkansas, hey Joe welcome that I ravisher Alaska chosen. Yeah? I was wondering you're talking to a different it s been along minute. How can I help thereby So am I calling from like stood up here in Alaska, my wife and I are a up here. And we're getting ready to move. And probably July be driving all the way through to California, and my question we have a. We have a considerable amount of

car loan deck and we're thinking about possibly getting rid of one of our getting rid of one of our cars getting rid of my truck, because I see that the beast in our list of deaf and dumb, but the issue being there's a lot of negative equity that we have in that truck a more than we could just pay off. So my my question would be work. What would you recommend in terms of both we just sitting or on the other side. To my mind- was trying to sell it either to a deal or to private party and then taking out a personal won't cover the negative equity. What we usually recommend, how much negative equity, Riga based on the last offer got from a dealer brought about seventeen thousand with us dealer will not do say, also probably got what thirteen twelve something like that and I would call on the throne total forty three

yeah yeah I suffered duns were training retraining of forty three thousand, our debt for twelve hours, more debt- yeah! That's how I that's all I'm saying now: that's what I would do, and it still leaves us with my wife's car to be able to I've down through will you can? We ran a colony lands, weaken when you run a card at her hoddan. I don't off and trusted on that Red wound, under its long way down there, but it's on you can you can find a way to get there and you won't keeper stupid forty three year or thirty, five thousand on car to make one trip from Alaska. California, you can find another way do cheaper in that but either way you can still make it with a plan that your laying out and you by the way, thank you for your service Pritchett. What thank you, we appreciate what shall be ass: a military move to our California. Yes, sir. Yes,

we're going to the North Coast Gotcha beer night climate change about from Arkansas, thanks for the girl I does abbreviations are tough, the honest you would think postal code, you gotta known the yeah. It's Sometimes, when we're looking at a big situation like that or use a little thing like that. One tree up to tat I might have to justify or to offset in our heads this big situate

and it's amazing me one of your shoulder thing- borrowing one ticket and pay for the mover. You still come out, even if you didn't like Ebay, car, her cars. Ok in this situation, I guess waiting at the details on it, but, but you know we're will stipulate that and go ahead, but but you know just be aware, people that we all do that we all rationalize the justified kind of like making the hard may have scan it hard it's hard to sell that thing and make it and rockets the yeah. That's why to me word sorry, Joe again, thanks for your service, Sir Rachel crews, my co host, this our dreams, trousers, our producers going Daniel Associate funds Raina I'm Day Ramsgate and we'll be back

This is James Giles producer of the day. Brandy show you can now listen to the daybreak show on Spotify, Andorra anywhere. You listen for all the ways to watch and listen to our show page Dave, Ramsay, dotcom slush Have you got questions about retirement, investing 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 going to focus on your calls and it's going to focus on building well investing and how to become an everyday millionaire subscribe to the crash organs. Wherever you listen, the pod gas, hey, it's you producer of the Dave Ramsay show this