I am pleased with the dollar. Thirty Ramsay Show, where that is DOM cash is gaining in mortgage, making the blaze of the Medium W status, Romeo, Ramsay personality number, one shilling, author and post of the table thick time you tube and hard cash explosion. That's happening is my co host today, then we'll talk about your life and your money, the phone number eight hundred and eighty eight two hundred and eighty two five thousand two hundred and twenty five.

Tiffany is whether such Sacramento, I Tiffany. How can we help are you days? I have a very complicated issue here. Hopefully I can explain it. My husband had a job change will escape is free in various parts of California he had to leave our home awaiting out o only Four years on it, so we because my husband's job changed. We left that house by Argentina out we all three I but you bite, you live now. What real estate is super expense and so in order to stop a house I have sat alone, daddy to the house. If we, if he lost his job- and we would go back to that home if something Happily, I would go back to the house, so I get more advantage to have paid off how kind

Oh, the only way we can buy a house in the area that we live with have to be a thirty year alone. So it makes me sad think about, tell you how walking away with maybe two hundred thousand dollars? In still have a thirty year alone in the making. Sense at all, warming, understand what you're saying, if that's what you mean the Where is the house? how's that we only o three and a half years on young man s when you got right. He asked she didn't California is probably heard it happen now have a far away from Europe for hours and you left there because he took a job in Sacramento, he do you feel His job in Sacramento is going to engine yeah, sure

Do you think you'll be in Sacramento? You know we have children are in college now or getting college age, so I really dont know I mean that's kind of party. My reason to like: do you really want to buy how but didn't leave town? Like a house I mean the: are you gonna be there two years are jumpy there, twenty yeah yeah yeah. Everyone here right here Not twenty years? Now? How do you guys I'm forty, where has it was ten years old, very shortly I work temporary each following worked and more years anyway right? Why you're? Here again, the Tennessee, almost California internal than they do now How would that take you back decision will right? I'm not suddenly Lieutenancy. I want to stay in California

I think this is about the house, because Are you holding on decision will lie. why the hell sentimental, Don't you gotta know is how long did you live there I am about to say, offers home. He asked As you know, I borrow girl told their visit. Is it just because I hereby security as well like something I can almost short. You like your grieving. The fact that you left there. there is a lot of different degrees, Joe anyway, the eyes I personally yeah, I'm attached to the house,

It makes me sad to think that I probably wouldn't have paid off house time close the eighty that career progression. True, what your household income. Probably one, eighty one, ninety from close to two hundred I mean I think you got me to do some more investigation of real estate in your area, sacramentos and a more expensive market than Susan Bell for sure, but it's not San Diego, and it's not it's not San Jose. It's not Silicon Valley I think, making two thousand hours a year with a two thousand, a down payment. You can do a fifteen year on Sunday, that you can find in the area and get paid off and have a game bland outright for house, signing up for thirty or mortgage the. I agree with you on that, but I think you're overstating that adding some drama this discussion, because your heart is talking about Susan Veil somehow or another.

I don't know what it is. I can't tell, but I mean you got your: going back there. You know that logically, but there something emotionally says, I can't let go, and I don't know what that is. So I think that it's important for you and you husband in euros relationship to work through that part of it, and I think when you cannot the conclusion that you're not going back there you're gonna salad. What it's? What I would do, I wouldn't suggest you own, a rental property for hours, away, that's paid for I almost paid for an ominous lecter proper. with my two hundred thousand dollar income in Sacramento, with a two hundred thousand down payment? That's a fifteen year fiction. Think you can do all that we do not I agree with your husband's conclusions. What I still can't, find, and I'm not, I wouldn't come,

down on you for this, but there's something going on with you. And this move emotionally that that's cause you to think tat to delete This direction. Moreover, concerned me if that, for you, guys go forward for your relationship for your peace of mind, Allah concept than just one. you wanna house, incision bill. When you could calculate in the air. I really can't I really can, but I'm right David. You Dave in two thousand. I was down payment home four hundred four the MAX five three hundred thousand miles to pay off and then hey and if something was to happen- and I say this with a happy- the term life insurance and they take your thousand she's back to where she was she safe. She, you there's something about the. ash that's going on? There are some haven't opened

a triple eight, eight to five five, two to five. Thank you, for joining us America, soap, thing to remember to Tiffany credit. And for which a good lesson from that call for all of us, and I have to stop and remember it often because I've done a show for thirty years- and it gave me remembering it, but personal finance is personal. Yes and there are times with money that each Ok, to do something that geological or maybe not the perfect something thing, because it's what you are doing It's like you, wouldn't logically spend what we spend diamond for an engagement ring. Our wedding ring rat sought logical. Doesn't it match the numbers,

turn on investment in terms of mathematics of personal thing, it's a gift to your betrothed and show it's ok. if a person was ok to have feelings about knowledge, in other words, hiring is more difficult than ever, especially if you're trying to create a rock star team from home. That's why I recommend trying our friends zip recruiter for free by going to sip, recruiter, dotcom slice, Ramsay, zip recruiter, makes it incredibly easy to find the perfect candidates by using powerful screening technology to do the work for you. So what are you waiting for? Try it for free. By going to our unique web address, zip recruiter, dot, com, Slash Ramsay,

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seven. Eighty nine Paul is in Atlanta Paul welcome to the Ramsay, show they'd Anthony. Thank you taking all sure I have. question, no one, since you two could provide moves and got it. Look I'm not married couple months ago. I had a wholly in Acta. Why don't you? I had a home the term previously you're just shortly before marriage about my wife, what we need at her too did you. The Cologne list doesn't want to be added to the mortgage and love usually if someone's gonna be on a deed, then also need to be on the mortgage and more hammer trying to debate this out I'm gonna be fair. I'm she worried that if something would happen, if this happened, happen that she would happily and mercosur it. I just don't know what to do well to start with being added that the deal

and not being out of the mortgage, doesn't matter, you still have to pay the mortgage of you die, I think it's what I'm worried about is. If we want to unification Often been divorced would happen, the left holding the mortgage and then someone would have you know one ownership and equity model now smile works causing a divorce. They divorce, whether you have with your wife's name, is on the date or not she's, marital rights to your house? Divorce, you're gonna have to get you have to deal with the house as an asset the divorce. in most emotionally each including Georgia, ok now there's states that don't there aren't wire that way, but the vast majority of states are pretty simple: Anna Divorce, you're gonna divide the property and, Regarding your name again, I'm glad you you people each year and also I would have a will they take it, of her you can add my name or not out her name to the deed. I would not

to the expense to refinance because of you- are being on the lab liability, the mortgage or not been on labelling mortgage. Pretty simple, you don't pay, that mortgage whoever it is, somebody pays out mortgage or that house goes away their non foreclose on a dude, you gonna walk away. A financial and other I haven't of assets for sale, to pay the home of a couple. Properties in some cash davies, and I would be totally one hundred percent debt furry kids. How long have you been married oh so you brought substantial assets into this marriage. And she wants What is your net worth? seven hundred thousand alpha, and what do you make one sixty what she might allow me forty occur.

How much is the housework? Could you say you have enough time to pay off? look I got unlawfully, I would have to set up a moment. Properties moved slowly Myrtle, but I could sell em and then be even unobservant Borneo Mouth sixty. How do you get off to a to discuss the ok, so For paying off your out are not paying off your half dozen a factor position the eye. unless you just hate in what you were thinking of showing these runnel properties. Anyway, if you are, then it's ok, yeah used the cap, the money around a lot about less clear the mortgage, but you ve got a great income on going be clear: the mortgage in a few years. Anyway. That's what my Listen you just a few short months back, and that was my mother was Easter. Maybe

three to four years, have the money to completely knocked out there and in that not make you more vulnerable and a divorce situation, our her less protected, I wanna put that currently fire murmuring Jefferson, it made it just. Doesn't it didn't do all that, so yeah. I think you got just working together and standing for the most part from a legal perspective. What Europe star and If something and haven't will get away in place. Would give her some comfort. Something happens to you. She's she's gonna work, she's gonna hurt. If you got children from a farmer the journey thing than your guns I have some of the assets. She's gonna get this house whatever is going and have all that laid out in a will, and I that might help the relationship part of this discussion, Agri, Agri Day financial question, young guy-

network is two million dollars just got married wash your son as in premiums, would you vice that guy to do a bit the network that her, yet coming to me in and above all, you start looking at it and the reason is not the it's not. Actual person, your marrying his thirst. Lincoln family? If you ve got a preen up, it shuts everybody up, wow, because hears what happens, the more money is involved. The more weird comes out of a cracked gotcha, We're just shows up crazy, just shows up and on, and it is set aside, not don't recommend a prima, ok or pay should not be the one and in us, in a situation like this summer thousand boxes. Are you sure you know you He loved your money more. You love her. You should get married, but but you know

If you are, if you substantial assets regard of your age, man or woman and you're coming into a marriage and the other person does not, then you need one just because it takes all the weirdness off the table. Its pre set formula they're. Gonna get this in the event of divorce and an army. Anything else and it's a lot down thing and then, if you all their look, stupid friends or they're stupid, family members or whatever start speaking into the relationship it gives them, there's like tunnel A rudder to the ship there's a plum line that your bump and against that you go okay, now that that's not gonna work out there, work out there. I gotcha show you know you're walking away from that and that person also knows? They're gonna obviously leave the marriage with what they came in with gotcha, which is nothing or something depending on what which Persian we're talking about it right, but

as it should. But you shouldn't have access to that. But you know like had one guy one lady and she said she was Dayton, a guy who had a classic sports car and you wanted a pre up I said, don't Mary the likes his car more than he likes you, and I know this: isn't this guy's, not marriage material as a core Gaza torp

don't Mary this guy right but yeah, but only if you got two million dollars gal. I think you do need to set some boundaries with that, because it just keeps the crazy at arm's length, catching the lobby of Ramsay solutions on Baghdad, restage Johnny and show your where those guys are going to have you guys we're Yalu summer. Tennessee cool, welcome to manage rail and over here to do that very scream about your pride off forty nine

thousand seven hundred dollars. Why it ago how it take exactly twenty one months, excellent and your range of income during that time night we started out. Nineteen thousand and after hearing about this programme, made it up sixty thousand a year. Woe. How'd. You do that well arm. We're always taught this. Says in the Bible about it's. The rich man can't make it into the kingdom of Heaven, Ghana, stuff and after no listen the year we heard the other versus that That was an evil and changed our mindset, and I run my own business, and so I just went after it while good for you

what kind of business we got run. Handymen business good for you, that's a great business! Oh yes, always work. Always where do you live here, national regimes? Where I work at your house they cause. I don't know if you know why I'm bringing might make some help some help. So why wait a cow guys so how'd you get plugged in what started this journey so we were ugly, unlike the lowest part of our life swear. I wasn't gonna get personal, my dad This passed away and about twenty weeks later we had a carriage at twenty weeks- and we just kind-

continued this viral down and he started listening to through somebody he heard about you guys and he was like you know their proud. You know get out of that you pray have to be rich or whatever and down He started lesson and you know you: it won't work. As low as we get like how return again we go. I might look at it, so he did. I was there the tent one. I mean I was Glenn real hard, very he started shown me some of their staff and everything- and I don't Does it gave me home seeing other people do that free screams and soda and race color went from their while for twelve years, sorry, but the Good NEWS is that it, but you know it's almost like you, can one weighed up work,

through the grave is not to ignore it, but but also to have some day Matt yeah there you know how our goal in front of you and that that help you with that plaza. So that's cool, and and then you go getting gayer MIKE more money you're my life. Once we found out that it was physically possible, it gave us hope, because before we had no hope so why go to work this there's? No, center and then, when I saw your plan, I was like. Oh my god, it doesn't matter how much money you make there's hope ends. Oh I just gave us that Dr Man, you got your impression so proud of you deny took on a job for about six months with a company that I worked for before we got married, it, took me on fur six months, and I did that in homes skull My girls very cool, now very cool

way to go. You gas, some curious throughout these twenty one night's. What was the hardest thing because you are making, but there This person makes an American and in the latter we get a lot of people say we can't do. It is hard is difficult. We don't make enough money to make a lot of money, but you are paid off two thousand dollars in less twenty four lesson, two years so well, the hardest thing and what helped you push through that the harder fine for me was not going to the beach about about and when people would ask us to go on things. You know, went out to dinner with Amor. You know just out somewhere to like you the movies are you know, the house, and just and they tell those people know- and there like why and in trying to explain why in their like, you know it didn't make since then, you know a lot of or are aids that we grew up with what kind of like you guys, are crazy in overdo it

honestly, it wasn't that hard, because when you go from making nineteen thousand a year, that's below the poverty line, and then you triple that you feel like it's not like you say when you make a budget, you feel like pay rise. We had a payer. Is this? How are you you get the lottery? Yeah? Are our lifestyle increased even though we are paying off debt increased and I think, as even paying up half of and come to the debt we were still making thirty thousand year at that right. There is still a matter well during yeah, so so we felt like economy too hard in that sense to not take her to the beach because we do have more money than before. We were gone to the beach once a year and just using credit cards to do while so there what kind of debt this was fifty thousand much credit cards and one I was all credit card and six thousand on a van mocha, while LAO

part of it was may start my business pine tools and the first couple years, my business I made fifteen thousand year and then we made it to nineteen thousand and then, when we heard about you it just came. That motivation to make more. I'm so proud of. You may well with his business, usually no December and January, pretty hard months for us. So this last December and January, I'm we had a wash your break and everything else and at first one think we start having things you know happen where you know that, what's what you would use your emergency fund for there was the first anxiety that will happen. You know, oh my gosh, like wait a minute like I don't have to forget about this. You know many more like we're gonna be ok, no, pay for anything everything you know and place whatever we needed to end it. Didn't this behind anywhere

Do you guys are on your way when you got all the staff? There's this I'll call so fond of April we will have property and we're gonna build a house. Love, it were buying eighty acres we have the downpayment two thousand and six thousand are the income to eighty acres. Life is loyal done you guys. Meanwhile, Does that is so cool? Can I can I rent is cut Lakers? Well, we want to do here, be embodied in a wedding venue a few years down the road. So well, we'll send you free now you go, I appreciate ago, it's good started over call your gas well done very, very well done, and you brought the ghettos with you, one of their names and ages. Jenna is nigh

Bela is seven. An lyra is three all right: beautiful young women very wild on, so they went to send their debt for each Graham YAP. Our eyes the sea and I love it very- go Laura Johnny and I'll. Show you from cell is its was some Sohmer Tennessee Sohmer Tennyson yeah. Fifty thousand dollars pay off in twenty one months, making nineteen sixty world a great story. You guys proud of you count we're zero dead. Three two one: well well I'll phone is that well may David? Did you hear.

from the low we were below poverty to now, eighty acres Elliot an odour anodyne life is good. Thespis. I've done is just beauty just permission to go when yes, yourself permission to win important. Yes and sometimes you just need. Somebody said out loud and you got permission to win your allowed. It's ok my goodness, woe, powerful soil You guys so beautiful or great store would break up of the ESA Their old farmer lie is dead.

This is the Rams Asia.

Irish will show that I did or autonomy eight eighteen, but remember the Lord God, for it is he who gives you the ability to produce wealth and confirms this covenant, which he swore to your ancestors as it is today. Nelson Mandela said money won't, create success, the freedom to make it will it's a lot like that young man we're just talkative. Yes, I mean that you now you just had to have permission to go when the your God, for it is he who gives you the ability to produce wealth? So very interesting, very interesting and I Open, voluntary or a triple eight eight to five five, two to five Antonio me always my co host today Chris is with us and Asheville North Carolina high Chris how're, you

better than I deserve? What's up in your world? Often not much so I've got a last survivor adjustable life insurance policy. My parents I put my name three years ago. And wanted to get your advice on whether I should keep a surrender like to give your summary alone at Lisbon, maybe start right now. Thirty four free makes attitudes thousand a year I'm gonna be done with a six month. Emergency fund at the end of May, after that I want to save up to either. The old days, small garage apartment or by something I have also got fourteen hundred dollars for along came just sitting, are not contributing to cattle. Are you single? Yes, ok

well, that this life insurance policy was bought as an investment, not as life insurance. And it's a crummy investment the right of return and the insurance portion of it is very expensive? And so I would, by some a little but a term life insurance- you don't need a bunch. Maybe a hundred thousand dollars was unjust, clean up your stated that from what happened to you, so nobody had to pay to bury you or something like that and then would drop the stuff over this this policy is ensuring my parents, not me ah wanted put it in your name: yes, guess they wanted me to have control over. For some reason, so it pays you upon their death. Yes, whoever dies last between the two announcement? Yes, so are you are you for it or is it

it's made as I paid so much into it, so they six thousand dollars into account! Ninety ninety, seven to twenty thirteen current surrender value and seventy thousand dollars and the death penalty is five hundred thousand. for more two percent on their money. Ok, so what what what happens at sea are you? morally obligated to take care of their decisions. Benefit you are supposed to use, will take care of their final expenses Amadeus or what have they got? a state. Yes, ok, so you wouldn't need this, both of them passed away to cover their burial right,

and I assume you're the beneficiary area of their we're, always well right, I'm ok. So basically you have. Seventy thousand dollar sitting here in an investment has not got. A great rate of return is really what this comes down to. It are either more art. Well,. both of them? It's, alas, today are they both they'll know another burden, the owl their animals. Certainly there. My dad is suddenly for my mom outside Mckenna. Seventy five months. The under another hundred. It's basically a seventy thousand dollar investment. The sitting there doing poorly with that. I have many dollars attached to it: arms five year olds, but they are now the I'm gonna, take my seventy thousand bucks animal, invest it well and then I was gonna, be my secondary question is I want to have? the plan for this money now

is to surrender the policy so being well. You know not only having fourteen hundred dollars and affordable J at age, thirty, four, How would you allocate those funds either to a down payment on a house or a forlorn k, or even more for one case payroll withheld only and so you are, I would use a portion of it for a down payment of the house and I would invest the rest evidence from mutual funds. Normally, I would just put it all on the house, but culture is a lot of weakness in the air here about them. Having done an investment for you, Gonna try to honour that with them a little bit. Much put some of this into an investment, so maybe twenty thousand dollars down the house forfeit decay, mutual funds or something like that, probably then you know they got solve this policy by someone and they think it's a big wonderful thing. I don't yet I would

They had invested forty thousand dollars for you into something else. Can it be a hundred and forty six now still seventy, but I can sense some older regret and for my dad in relation to that he's not gonna, be like feelings, aren't only hurt by Eu Cash. In this thing out there No, no, they told me that its mind to do work. What I, which I swear, healthy, that's cool, you didn't get a gilt trip with the policy. Well, the thing is it ultimately: it's it's. A gamble on death Well, your bad in the first place, its gas well but yeah, but by an early on but truthfully from a math standpoint if they were both in the final stages of state for answer something than you know: mathematically we beaver low but cold and weird about it and hold onto that right. Yeah

We don't have a situation, we just need to take the seventy thousand and do your life lets. You do you and in toys, some boxes, a down payment. You know fifty thousand items for mutual funds and what may our you'd be seen I'm gonna optimum crumpled? Last night you hated right on in a light, the FED data that you said on the Paris and great investigate the das wanting was going to say where they did, that so you can have investments will go ahead and invest but I would mean you'd do benefit thousands, a fifty. Fifty in all areas thirty, five and development? Are you write her, I'm just making it up your ass bottles that milk at the end- nothing wrong, would put an all average dumping on house now. but they're just some sense about this. Money has then built slowly over time, re as an investment, and so yeah I'll be at about one that that's what there was a good question. Good question now appreciate your joining us

based on Instagram Anthony I'm a sixteen year old, and I recently quit my job due to working nights alone. Smart, I have the opera, ready to get right back into the workforce, but I can also spend my time working on my studies for an upcoming test. This test conduct scholarships and college acceptance which should I choose it clearly Am I want you focusing on it s right, whereas cannot do. In a bright day. We saw one of one of our good France and she literally worked every good day, looking up grants, the kind of scholarship prepare, Fidessa T prepare for a city, and when she raised a half. A million dollars, Dave But I came back like five hundred dollars an hour she was making, and so I believe you and take some time to really focus all I prepare for the test. Can an essay tee? covered in a city, covered egotism, grandson, scholarships and decide to give more ground. Scholarships that is a job! You know is logic. Do it well

Now, if you can do that and get a low part time jobs and weakens our light that even better, but nothing to stop you from focusing on studies down great job and then use the fact that you ve got hogwarts not for possible. Yes, college acceptance, us for probable, yes and not for possible scholarship, but that put the Hassan ground like like our friend they are so whether to go, get scholarships make it your job. That is your job gap and it's worth more than he had been a whopper flapper. If my kids a Now I'm married that will my kids job and if they don't raise enough money in a cash in their fire,

a word. Our banks, a James child or murder, should go down yonder social producer and performs greater that's Anthony, O Neill I'm Day, Ramsay, we'll be back with you before. You know it in the meantime. Remember, there's ultimately only one way to financial peace and that's the wall daily with the prince of Peaks Rice Jesus, it's Kelly, says he ever needs are environs Rayner for their AMC show. If you would like to know your danbury screen live on the show make sure you visit daybreak com, Flash show register left for you to come to national and tell your story. If you're looking for fun and practical ways to save money in your everyday life, you need to check out the Rachel crew, show a podcast from Bunny Expert Maidan, Rachel crews, guys it's rates of crews, and I'm so excited to tell you about my party: has a lot of people are living paychecks paycheck their end? Dad you don't even know where to begin that they have this need this wants to get its control them tennis match you. You have come to the right starts, so each emphasised during gets a time of inspiration and practical advice, not subscribe to the rates of crucial podcast make sure you hear more from the Ramsay network, including the Rachel Crucial wherever you listened upon. Gash, hey it's James, pretty,

serve the Ramsay show. This episode is over the check.