For the headquarters of the whimsies solutions: broadcasting from the dollar call me to studio. This is a day. Brandishing America hangs out, have a conversation about your life. Your money might examine your video call hosting with me today is the one and only Doktor, John Bologna be column Duc DE here we have when I talk to you about, look your life, your money,

relationships anxiety, your millennia of your young person of your teenager. You got questions about money. Give us a call. May we want to talk to you triple eight, eight to five five, two to five triple eight, eight too five, five, two to five Arizona! Kick off this our here habitat conversation with we'll out and temp of Florida, well, how good afternoon, how can doubt today- and I hope. Good afternoon I own back to the door to how can we help you so fast, but I may day pretty bad decisions bought a brand new car. I also old over the remaining without any balance from my previous got into the alone, has been here so I have sent

just recently got, nor do they rank Michel, and I wasn't you all about TAT. I thought you guys on social. In everything is by nature members their help in creating a middle. I am one hundred percent Did you read my car? I worry listed it. I can't wanted your advice for, I guess, and an immediate step. Seven found the baby steps. Some a baby for two have a thousand a member who she thought have cheaper savings right now and my How about two thousand hours will do stuff, but I'm currently Whilst I should have total four thousand and savings, I the different. Do you want, I own a car and what I did possibly for it is about five grand so not sure. If I should continue just things

once I continue saving until I can cover the difference in taking it. The different all alone and then sell it and walk away from the car or do I keep knocking down? The danish gets noble onto my monthly card We basically break even and then sell it at that point, and then I guess a follow up question to there is and looking to get a cheap. Are you saying that ratification by driver about honoured eighty miles round trip for my job, so I need to have some kind of transport where's, your average income will, right now, I'm making about sixty. You have been a better time inside you started doing be on my group it's driving and whatnot tremblings measuring come slowly. Getting the international day. For the moment I saw backs Barack Obama. Xbox live Europe has been found in Lithuania

again. I will not talk about you. I am how old are you know? I've been thinking about how to thirty one thirty, one and thirty one which are totally outside of his car outside of the car? Has forty thousand? Instead, loans about thirteen thousand critic are dead. I'll get it, and so we must see own a car enemy Right now. I owe thirty four. So here's a day hears it hears. May they can't? I loved the fact- and I want to commend you right now for a thirty one euro man who just said in front of fifteen million people that he can

xbox about it's not gonna, be real, because we know that people are playing this game and taken it away to serious matter now. I know what I need to do to get on the right track and I just wanted to meet you for some people missing a small, not ass, real that daddy, you, like you, know I'm getting on a plan, so Baby Scipio, yea and no progress on the web. We gonna write the scene with you baby, cept, too. He's, gonna Montague debt from smallest largess, ok and then what you gonna do as well. You gonna make our minimum payments and all of them and their attack the very first. Why I so here's the thing you have two thousand hours savings, I'm taking a thousand dollars out and put in it or not. The things is like thirteen thousand, you credit cards right, I'm attacking you ve already cars furs, depending on how how it all is I'm taking a very first when the cheapest one furs,

they killed him the day they do it didn't do it. I may heads down I'm doing it right Now many Anthony just improved your life by a thousand dollars less debt. Yes, look at that call look at an airline. That call will I liked him apples Saucily now keep car listed guy. Keep the car listed, arrive If someone comes letters you and says, hey will give this amount for the car and you only need fourth thou in dollars for that car- ok, do it do it in here, so faint here's, the thing keep the carlist it. If some accounts you said, for example, I may give you fifteen thousand hours for the car and you don't have the other four

thousand dollars. I m o k, which you taken out: another law for four thousand cause. You lower your debt from that amount down to four thousand, and that's ok here we clearly you'd have to cover the difference. Could you your debt goes down? That's the key thing gay, but if you had the cash on hand, if you can come up with the gas working, I'm ok with that but I want you to keep it listed work that debt snowball. If someone comes you and says, hey would do it will pay. The value would do in your need two three four thousand hours, I'm ok, but that will. But I want you to world there s nobody film, Yet maybe clear because I haven't been the two ok yeah yeah gonna- be clear. I won't be clear. Tell you to take out aid alone, I'm not telling take out another long ago by another car know. What I'm saying is if you can lower your debt down by taken out of four thousand all alone in the? U S,

if you twenty five thousand dollars in his car, absolutely apt glad and do it ok. But may I thank you so much recalled brow meals on his way wills on his word ass. If it s it, may you know this like call site that borough because he's like you know what I'm gonna do to get gazelle attempt. I gotta get wise guy get smart. I gotta cut off Xbox and made us like what, things like fourteen. I do not know how to play on a plate, ok sums ground. We play video games. You know grow may, but he added yet it will have again moment he day. Right now,. Never again moment will take that thousand hours right now get off of your two. If you driving a car pull over paid him credit cards off you'll be too great a car I guess and Anthony these are crazy times, but this could, in this be your neck get moment? America? Never again, will you be

mercy of some global crisis. Never again will money. Keep you up at night. I will finish his add at the next break. Perfect, got it. I loved him. She put her hand over to the next break. Maybe all the other day, ribs show you guys we'll be right that people

all over the country are discovering a faith based and budget friendly way of meeting health care costs through christian Healthcare Ministries, Christian Healthcare, ministries or c h is a non profit organization that helps members carry one another's burdens with how here expenses and they have successfully share in each other's medical bills. For nearly forty years. Cfcs age is right for you by visiting C H, ministries done more see. Age is a proud sponsor of Dave. Ramsay live events. Going out to conversation here sad set good afternoon, how can that be let John, how are you in its allow matic semester colony and how can we help people the both of you so

calling because your uncle twice it rolled symbol. Guy aid, today, brandy showing some the personalities or how about a year. Now Anders one phrase: I turned multiple times that finally started resonate left and it in order to be financially accessible, its twenty percent had now Eighty per cent emotion person that indeed, to the left side of my brain, be more intellectual, all the more logical side, and I have trouble dealing with be more emotional side. Now going on with the baby steps, my entire this get me to identify on finding out that no fixed as much as I would like Oh, I guess my question is: how do I train now right side of my brain, the emotional side, to work with the logical last time I bring to ultimately deficit I want so too

number one, your logic Part of your brain realises that its logic is failing, so your life, Part of your brain needs to know that it needs. Scotland involved baby steps. That's your today moment gay. So the is there. The roadmap is here: there's nothing to get intellectual about. This fall the plan. Are you a guy that that thinks guess I get the pay off in order, of least, two greatest but distance. Interest rates. Somebody like this each item over, as is at you, you try it out although I am is dips. Now actually my dad don't allow me to do that very well before I knew you only have to death like consolidate, were basically no reason colors. My He told me that with the best thing to do- and I don't really know much better now? I know it. I wasn't the smartest thing to do, but So what was not a side? What emotional sorry, having trouble tapping into.

You mean exhibit a challenging struggling with. Oh I got my problem is I You never really get off the good. Why? Guy I've, never really hard, and I've had a moment either. Why I gotta say I've say I've had multiple a moment. So I defend the begs, the question of a really had an ipad, not an end so are you gonna get out of debt. Ah I wanted to I gotta: go equally, I can't old wild when I had died. One morning when you want to get out of debt, It can become a great numbing agents or a great deflected agent sweaty, protecting yourself from using logic, Something popped in your head. An earlier question ha.

To do that the relevant question? Why We want the dealer yet, struggling to get at your question. What are you? What are you? What can I help you with a community? I can help you. Develop emotional side. Yeah. I got a good way to describe how it will be the most no fire myself to aid with the logical side. What you're all national side is missing. Ah I had some. I haven't been lowered the easy for me to our relationships. Ah, what specifically in your debt journey is is, is your logic not been all that happened to your motion

Jack, he isn't always like. I think, we're where I'm having a problem that understanding this thing to is for you is. Are you sent it you can't? I got you can't pay off debt because you not attached to your emotions, it's more. So I understand I need to pay off my back because logically build about without much air. All this is that I feel all the success stories of people who, like coming really I happen to them. It caused me to go into this emotional states in Africa. What that switch? I says: equity want men like Michael. What do you want? What's a picture of what you want? Look like you and me Jeffrey Yeah, I think I'll be Jeffrey. Some people need fireworks.

And confetti and big dramatic moments in their life and some of em similar Profound, never again, moments is the wife whose abused who wakes up and look in the mirror and says this will never happen again and she quietly packs her bag and she sir? Two year old son, she walked out the door and there is ceremony. There's no firework show she does, has never freakin again that can be said with a guy who's sitting in a drive through and he gets is Texas first bite in another burger any says I'm done with this, and so I think we sometimes we we, run around Anthony? Looking for a motion, emotion, emotion, emotion, and where we have the never again moments. I think I think sex there are these Eccles debt off, but he's not getting that. I my stomach not doing back flips in my hairs are standing up, Zack you're there, man, don't

dramatize? Never again, don't over sensationalize, never again, some people had manner when it's it's when it's fun to behold, it makes for great tv there are millions of people across the country that have silent internal spiritual, never again moments so many try this again before the break Anthony. I try to run into a Ramsay plus ad and for those You don't know I'm new to this. I'm still figuring it out and I started a coup. A into an intro right as the brake was coming and we call it a botched job in radio Not really call it that do we James, I just made that up, but here we go no further. You're, discriminatory, creating a speaking for never again moments, never again you know that money keep you up at night. These are crazy. Crazy moments. Right histories, crazy right now Again we let the new cycle put you in a panic,

and we all know that when you have the right plan, the right tools, the right teaching, you never have to question. If you're doing the right thing with your money, you don't gotta, wait for you feelings you don't have to wait for this butterfly moment, Ramsay, please. To give you all of that it's our brain! You all access membership and you can try it today for free r e here's, outworks you'll, learn proven money plan with our best selling content, including financial Peace University, your budget invited control your money with every dollar and track your progress with the new baby steps, steps app. All of that in one single membership, the money plan for real life, so that you can be confident that you're doing the next right thing for your money. It's your decision, your choice, tourist! your free trial of rooms? You posted a text trial to three three in eight nine at tea, or I l, two three three seven, eight, nine Anthony. We got him

the break baby. Congratulations man get in there, given their America slowly but surely and learn how do the radio's so hey. That's the Emma from the Ramsay babysit Ramsay Baby steps community. Ask her Can someone ballots family time versus sought hustle for extra cash? I think that's a conversation that you have with them and you make professes together. You do togetherness together, you do community together, but I think that's a conversation you have with family crashing, is family time more important, then side, hustling money. I think it's about near shared values in a shared goals. If we d great, my life taught me this this this idea of seasons, which I love, which is when, when fall comes out summer. When winter shows up, we don't summers broken its natural transition right So there are seasons in our life like through the covert stuff

We're working like crazy do in lots of media hits lots of writing the world needs since we are busy and then this We're came we slow down for right, we ve taken publications. We got some time it just part of and so some seasons you SAM, the girl, did twenty four months blitz. This thing we're all in this together are shared, and then you run and gun. Times. You say: family is more important than an extra side. Hustle dollar right now. Shared values? We do it together. Yeah.

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you might miss measure your blonde sometimes and they will replace them for free. You get free samples, free shipping and with the new promos they run every month, you're safe, even more use promo Ramsay to get the best deal, rules and restrictions apply It is question comes from EVA in New York. She visits Dave, Ramsay dot com to ask Saint College graduate with a bachelor of science in marketing, I'm in a difficult financial position and I'm trying to get employed or more ideally, start my own business. My question is: how can I separate from the student loan debt in order to move forward, especially in this pandemic when getting hired is a very uncertain. I feel at odds with myself, because I'm you're too get employed, but I feel it my debt is going to always be part of my guinea and identity until it has paid off Anthony. What did she do? You know

here's a question here on a quest. Mahars, here's something really wanna say over. Your debt is not a part of your identity, but you debt will be a part of your life if you take it out to go back to school, your character, your integrity, your hard work that plays a role in your identity in your debt does not, but you're dead will play a major role in your life. So to ask your question: how can you separate yourself from the student loans debt in order to move forward, especially in his pandemic, when getting hired, don't take out any day?

bottom line. You know and go job there go out there, get you a job, get you to jobs, go back to maybe go recent Grandcourt yeah, I'm it is, is fit. I understand it is difficult to get a job. It is, but you know what, when you work hard when you put in a work, you definitely landed. I would highly recommended you get King Cole. Miss number one. National best selling book hit hit the proximity principle. It would definitely help you because sometimes it's not about your education. Sometimes it is about your connections. Who are you connected? Who do you have a relationship with how'd you get in proximity with the right people who can put a plugin for you and so

the number one I think, is you're not taking out any debt. Can't you gonna cashflow it you wanna, get get an extra job and as well go from that way, but I would definitely and highly recommend that you get the book from my good for our good friend one and only Kint comment who is hosted. The can comment show I wish I were deaf. We recommend that you boot this into a showing in his book the proximity principle for America. I won't you ought to get this man spoke. I read it and it bless me tremendously tremendously in my own

right now, because sometimes is not about your net worth. It is but a net work and who you associate yourself with that can make you a stronger candidate are making help your wallet. I make it really really really help avoid things like debt. I, so that's what I was very much so recommend no debt could actually job cashflow. It kid around. The proximity of other p. Who can also help you alone his journey great russian? Did this Anthony? It is a little bit of a sidetrack here, but this question brings up a broader conversation that I've how, with with recent college grades- and I know you have- this I do that. I got a degree now the work. Owes me. I got a degree in the target, a job. I got a degree Things in a greater economy are messy and I thought I was to get disagree and in all the world scan

for me like an oyster, not just how works you get that degree and then you got hit the streets you, gotta grind grinding work, hard and worker and workers, and then we're Cardigan Telegraph Goin out too. Each member state will not a station here with a christian christian groups. How can that be myself up. Are you going to do a good man thanks for colony, and how can we help I will be very difficult for me, but is unaware. So basically my girl, we ve been together for about ten years. And now we ve always been living pay to page. To pay check. We don't have any bad besides one car there, because I found you shall I want to sell so I'm asylum as soon as I can I'm only making twenty six. I'll. The year I now and

My mother's Olaf's basement and I just really want it get out of ass, but I want to move to Florida, and were trying to do within a year. So my question is: would you consider That's a good plan. If I take a second up to get my income up, try to do this in a year or would you consider this pain in my state, which has Virginia and two were a place where you can move to forty four, but boy Hoddan before you answer that question on a screen here is his mother? Allow you set your girl, are you are married or you are just daddy so just baiting, but we're engage right now. Ok, so you're engage winner, you're getting married. I'm working on it before this year is out, We have been together ten years. Remounted about ten years she was living girlfriends moms house for ten years

We live like some here. My mom, and then will you not, though we have to get smiles. We moved until my marshmallow space man because she had more space. We had our second child like tweet three weeks ago, and we call it- mainly man she's only been say. We then try to get things really good for us, but you know I always will messing up. So I can. I just woke up with my second child said I am not doing things I am. I wanna do things girl there then, for my kids This is the reason we want to throw light on. Eleven may wait. Wait, wait, wait, listless, pause about Florida right now, because you, you said you but what you second journeys that I want to do things right go well, well, we can think about moving to. We need to build a solid foundation in right now,

The foundation is Rocky Gay, with my personal belief, my christian faith, respectfully saying. If you ve been with this woman for ten year she's, not a girl, she's, a woman. It is time for you to to get married, go down to the courthouse, get married and K combined your income and then everything from there. I don't have a problem which I live in, which a mother, now, once you're married before you move to Florida man, you, you got to go ahead and just build a solid foundation. Get married, get your income stable, go ahead and pay off the rest of this debt. Okay, go ahead and get three months of your you saved up, then we can talk about moving afforded but you're, not in my opinion, because I want to force my Christian Don t you, if you are my friend, could you as a Christian I'm telling to get married? Did it shouldn't? Take you ten years to know

this is your wife. He already live in winter. You already have kids, which are going to put the wrangling a man, so that way You know you're in a solid place, with her you walk and start building to gather. Am I make a sincere Dottie yeah, Christian. If you sit down with your wife or your The answer and said I have not the person that you needed me to be fill us decades. We ve been trying to hold us together and Ivan, held up mind of the bargain and I'm ready change of each of you look or non tell her that We cannot have. This conversation is war, and so I talk to her about this problem by you guys have been out of pension will send you back at backed up. Have you looked at your fiance in the eye and said I am, I haven't been, who I'm supposed to be the last decade and are making a changed started today? Have you done that Not I'm complete. You know your cousin so today that a conversation happens today

your mother in law detected the two little kids and you take your wife. And you take her somewhere words, the backyard or whether its upstairs on a walk, and you look or nine say today on different. You can on financial piece together. And you start fallen. Those baby steps. You get money in the bank. And then you start talking. You start talking about moving different states in different places. You're excited and you're ready to rock and roll, but the first thing you do you get with your partner and you say we're gonna do this together and I'm sorry, but I make it right

Scripture quoted the day comes from efficient job for four sixteen from him: whole body join in, held together by every supporting ligament rose and bills itself. Up in love, as each part does, its work coming together is a beginning. Keeping together is progress. Now, working together is success. Beautiful quote from Man Henry Ford going out to Dallas Texas, we're gonna have a conversation here with sea, subject good afternoon? How can that be- and I am now that your dna, or are you guys doing good? How can the happiness ass? I like that? How can we serve you today about them?

I get fired listening today- Ramsay an end to the rest of you guys about a month ago. I would say I'm instead three be now and Europe. My situation, I basically committed to a graduate programme about a year ago, I'm just as a way of increasing my earning potential. I was accepted to the programme I put the down damp, put down the down payment and down, I was going to take all alone to fund the rest of it. I dig it can scholarships and I'm getting some help through work is well. I was out he got alone, so that I can so that I could arms they worked for a house as well. After listening, they ran the and especially your arm EL. I I refuse the wound the now I am I'm still trying to save for a house and cash flow graduate school, and I guess I'm just looking

some wisdom and advice on how to do both in it that take forever as what for but listen you right out. She said baby set three be so baby set. Three b is, after after she has are fully funding emergency phone, which she has three b. Is she saving up to put at least ten to twenty percent down on a whole? Sorry, just when a major people listening right now knows exam though, she saying so this way you can follow the conversation mash. It is question here see jet wet Do you need that degree? Or is it something that you desire, so your income can come, can go up which, when is it something. Higher worry him in my career. Now I'm not a great spot, but I, but I would like to go higher and I believe,

the potential do that and after talking to my director that work is pretty much unanimous in if you get a graduate degree than that will definitely set you on a trajectory higher earning potential. How much are you you're? No one, whence sixty seizure you're dropping bombs in Dallas Texas, more now what what? What? What your field, unless you continue, so what kind of masters degree you wanna get away? an MBA and how much more without bringing you go from one sixty two: what bare minimum probably easy one. Eighty one ninety were then to or so yeah

after graduating? Ok, here's what I'm already manner the Duc de come if enough money side you're making when sixty in Dallas Texas, DAS good money, because if a two hundred thousand two and three thousand our house in Dallas Texas, is a beautiful. So what I want to recommend to you is going ahead and I would focus solely on getting into your house stacking your money. I could drag a dead yard ahead of fully funny learns if so, what your kind of income right now. But then, next year a year and a half, you can save up money to put down towards your home. Then from there you can cash flow, the rest of your programme. I get it that you don't want to wait, but here's

You said I don't need the degree I want it, so I can get an extra twenty thirty thousand dollars. So would you saying I don't need it? This means that you can take a little bit of a to take a little bit of time so that where you can get into your whole, which I really want you to do- that I believe homeownership is a great opportunity. As long as you do it right it is, it is needed. I want you to get into that then from there I want you to focus, aren't going ahead of finnish, something that you really do desire, which will give you twenty thirty thousand bump and you're, not taken any loans, because you don't see Jake you're, clearly smarter than I am, and more accomplished and Anthony for sure. Wait a minute: why smarter than what is the me just say in Dallas Texas, there are some extraordinary private schools. And there's some extraordinary state schools. And there's some branch campuses. Two of some of the big like flagship schools in the state.

Are you somebody who really wants an mba from an S immune from available, or would you be willing to get a NBA from University, Texas, Dallas or Youtube Arlington or Annam Commerce? But that's a good question. Thank you that what I did of course, you did tell by your voice UNESCO. You go and that's it, a world class programme and very, very expenditure. That's true! So if you and it, if you're in a job But to tell you right now you can do the work academically, and so some people want gradual. Agrees to know. Could I do this? Could I make it in this programme tell you right now how accomplished you are as an electrical engineering, Dallas, Texas? Yes, you can do that work. So the next question is do you look around and see your bosses and they ve got NBA small, a fancy, schools and all that and that we are expecting of you or did I just,

You need to have an mba to move up in that and in Europe in your workplace, and Are you willing to cash flow because if you are, there are some great Programmes are some of the state schools and the regional campuses there in Dallas Texas and at any rate export and sit in the United States. Will you the same degree, NBA with some good. Faculty, some great coworker, some great networking in your local can it's going to serve you really well going out to sea the echo keeping conversation go and have a conversation here with Alison San, Diego color, as I say, the house, and how can we help? it's really ironic that he'd haters had that question, kind of similar, but I'm not as far along and my careers. She found what she is.

Now. I know I just moved out to San Diego I'm a couple months ago because they got into you get tee for my NBA going on. I just started was named, gave Ramsay in and all you guys were utterly earlier. This week, mental like oh, my gosh. Ok, what am I doing on, though, still about eighteen k, underground at long last? yes. Yes, it is probably gonna end up being around a hundred and nor dimension. I wanna most expensive places and I say to live right. Yeah, it's a hundred plus right right, you're not gonna work right now. I am you're gonna, be ok,

No, I'm also be working for climate. The evening programme, so that it should assume enlargement is. Our time is, is about to end up here, Ripley, need the masses programme. Do you need a grab programme for the field at you're, getting into. So why is it? I just move, you're, my my job Florida. I felt like I needed a, but now that my new job out here, I don't feel like I need it, but I still really want here because I'm interested I'm interested in subject in it and the curriculum that they offered. You can t or it pretty much so whatever you want. It's like fifty five percent elective though any increase in the morning. You know up development in corporate finance is kind of. Like all the elements of that programme offers, though I am, I still want it, even though I don't necessarily need it Anwar chuckle peers here's as housing antibodies this follows my youtube. Chanticleer diving deeper to this.

Are we get a rash, but here's what I want you to do do what you need to do to day. Do you need to do and what you need to do is pay off their debts, which currently have what she pay off that dead. They want. You can do a step back. You have some amp some free income, and then you can cash flow your grad programme, because you to say you don't need, is something you kind of when it diving until you no kind of winning enjoy you're, not gonna, enjoy paying off a hundred and twenty five thousand hours with the debt for the next twenty years of Europe. If you complete this programme. So what I want you to do is take care what you need to do, so you can join the future and you can enjoy your college experience going. You grab programme because now your cash like So that is my two. Since their pay me How do I do every day more than somebody or the much do in London has outstanding that these been fine moroccan out what you did last three hours and also with you in Amerika, with ivy, I'm gonna take up James Charles and our social producer, Kelly Daniel. You guys

The calibre of your future will be determined by the decisions we make today. This is, they ran Missus James Childs producer of the Dave Ramses. Once again, you made the day. Ramsay show one of the top for most popular party have last year to get your daily doesnt motivation and inspiration from the railway network subscriber followed. Today, wherever you listen, I guess I have you. Ve got questions about retirement, investing becoming an everyday millionaire, go beggar and broader with my man Chris open on the gross organ. Shall 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 cryptogams wherever you listen about gas? Hey, it's just. Producer of the day. Ramsay show this

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