Broadcasting from a dollar car rental studios Dave Ramsey Show that is again the blade, Bmw, the status symbol of joy. I'm Dave Ramsey your host. Thank you for joining us, open phones at triple eight, eight, two, five, five, two, two five, that's triple eight, eight, two, five five, two two five Andrew starts out this hour in Virginia hi. Andrew welcome to the Dave Ramsey Show.

Hey Dave, how's it going it's so good to speak with you, you too, sir. What's up, question of the garden baby steps, 3b, we did the thousand dollars emergency funds. We paid all of that ninety seven thousand a year. Why did God and then we did the three? If we did the three to six months. How's are free on emergencies. Yeah. That's awesome! Oh, my goodness, you don't have we didn't have money in the bank. Life is weird and definitely different than what I've never used to well done, sir, so we looking to either 3b four for start investing in our fifteen percent into call 1k and Anna Rossman, but question is that our age, thirty, four, my wife is thirty. Three.

How long should we do the 3B max of three years? Okay,. All right uhm. I think we're going to be able to do it in a year and a half just to put that up a sizable income where you know suburb of DC. So it's it's pricey yeah man. Well, if you jump for instance, on like Chris Hogan's website, and you use one of the calculators like they are IQ thing and you said: a forty year old, shaving fifteen percent of your income would have at sixty five, how much money you're, going to see millions of dollars on that answer. Okay, that's where I'm getting there. I'm just saying the point is don't wait until you're, you know, don't put it off a decade or something and miss out on all of that compound interest. We want to get started as soon as we can, but, but if it takes you a couple years, get your down payment together, you're in your thirties, you'll be okay. The point is to be

want to plan an continue to make progress towards the baby step. Four 'cause, if the sooner you start chunking that fifteen percent away the sooner you're going to become wealthy. Understood, understood, I think so man pre she ate you joining us, alright, Derek in Kansas, high Derek. What's up hey Dave, how are better than I deserve. How can I help I am twenty three years old and I at debt free up just about got my emergency fund hold up, but I wanted to know what your opinion was on when the time comes and I've got the money for it about possibly buying a duplex and living on one side running out the other side. I want to know what your opinion was on that on that topic cool. It would be your first home purchase, yes and your first rental property. Obviously right

okay. Well, the Good NEWS is your renter is right next door. The bad news is your runners right next door. Yeah that makes sense. You know you, you got, you got access to them. The That access to you so we've got to have real clear boundaries in our relationship and can be knocking on your door at one thousand one hundred pm to change a light bulb. You know that kind of crap and as a new landlord that can make it tough, 'cause you're, going to learn some of those ways to be firm with people but still faring kind, and that's the trick to landlording well is to have a balance in that process. The other thing to consider is just the purchase of a duplex in general The upshot, obviously is you've got someone helping. You pay the bill because half It is rented and that's a good thing from economic or financial perspective. The downside is that when you get ready to sell a duplex ninety

nothing personal. The time your buyer is going to be an investor, not a retail. Owner, and so you're dealing with a wholesale minded buyer and that tends to hold prices on duplexes down more than it does the similar square footage single family, because the little cute couple coming in to buy the perfectly staged and Freshly painted single family will pay full free, can retail right and yet the to investors always looking for a deal, they're always looking for wholesale purchase, and so that tends to cause duplexes to not appreciate as much all things being equal. Now, you got a premium duplex in a premium neighborhood versus uh, your family, that's not premium and not in a premium. Neighborhood will outperform it, but the downward pressure on it is just Becaus. Your market for resale is primarily a wholesale buyer, an it holds it down, so I've owned

to duplexes. In my life, I've done much better on single families they ran to. They stay rented better and they appreciate faster. So, but it's not it's not light years different! It's not like it's thirty percent difference or something like that. It's a couple of turns of the dial. A couple clicks on the dial is all it's: if you'll notice it, but but it's not enough to keep it from being a good deal. So just know those are your upsides in your downsides. If you're going to move into a duplex and be very full that I mean duplexes in every city that are in a duplex, neighborhood, that's become a trash Rental neighborhood and it's just really unappealing and you don't want to be in that but if it's a duplex in an area this well Capt and it's you know the

pride of ownership in the process? Is that's where you can come out? Okay with that and something to go with shop hi thanks for the call open, phones, a trip, flight, eight million two hundred and fifty five thousand two hundred and twenty five meg when is next and Megan is in Delaware, I'm Megan! How are you hey Dave? How are you this better than I deserve. How can I help? But so and I have been married for nine years and we have a combined household income about about one hundred and sixty thousand. So we're currently are currently on baby step, four five and six and we have young kids, we have a four year old girl, a two year old girl in a seven month, old girl, each of them have five hundred and twenty nine accounts that we opened up for them this summer and I understand now one baby step force. We need to put fifteen percent into retirement and then the question is: how do we go through baby from step five and six?

idea was to get each of each of our children's five hundred and twenty nine up to, let's say ten thousand dollars for now pause and let that build, throw the rest of the money at the house to pay off the mortgage. Restarting are five. Twenty nine investing! That's a great thing! Okay, 'cause we wanted to be sure we were saving enough and their young, so they have time for their five hundred and twenty nine is to grow, but I also found with the price for house making a couple: one hundred grin you'll be able to cash Cortana stuff, an additional five point, nine Yeah! That's a great point and you're going to have something substantial in there 'cause ten will will probably become. Third by the time they become eighteen. Okay, if it's at their young ages. If you don't anything else to it, and then you can add to it later on in the game, easilly or and or just look up and say we can cash flow, the crud out of this, and so we a good chunk in five hundred and twenty nines, but we're also going to cash flow above that, because we put ourselves there's a there's that that's one,

the way to do it another way is just load, the five hundred and twenty nine so full that it nothing that's going to grow to enough to send him to college and then check that box and move on another way. To do a minimum amount in a five hundred and twenty nine go kill the house faster when how knocked off then come back and load it up, but you're kind of hit in the middle you're going to hit a ten and then move on then move back and that's fine, that's a great plan. The good news is you have a plan wow. This is the Dave. Ramsey show Talk. Usa. Saves you money down from Minnesota said we switch from Verizon to pure talk thanks to Dave Ramsey. I was skeptical, but after leaving the big city and traveling to a rule area service coverage never lapses. We're also saving forty dollars a month guys

talk. Usa, has the same great coverage for less and no contracts, try it risk for. Today called pound two hundred and fifty and say the key word Dave Ramsey, Idaho hi Sonya. How are you I said: how are you doing better than I deserve? What's up? Ok, so my question is well one thousand seven hundred and seventeen about thirteen years ago we heard a mobile home like a manufactured home and found some the manufactured home from the trailer park that they had it at two. Three acres of land Bank app told us if we put it on foundation, be considered real property, and

there on. We could turn around and sell it when we were ready to only had did our family. We were just barely married, and so our plan was to stay in a little bit and then turn around some of we try to sell it. We've run into the problem Thanks will end on it because it's uh, mobile home or manufactured home, and it's been moved more than once and talk about asking we've outgrown our home. We have six kids, And so my question is: we have two ideas that, but I don't know what to do. My oldest son says that he could rent our house out for a couple years and we can claim that as rental income so that we can move out and accommodate the rest kids now or should we stay in for the other two years and pay it off and then build a bigger house on the property? so you're within two years of paying it off.

We? Can we only like twenty three yeah? What's your household income uh about seventy eight yeah? Let's play it off just paid off and then get rid of the trailer and build a house build house and then get rid of trailer, but yeah and that's the that's. The other thing is that my husband doesn't want to tear down. He wants to keep it up, income on the property up to you, but it's it is, it is deteriorating everyday, yeah, the bank. When I spoke to the lender she says I shouldn't even a great anything money into it, because it's not exactly a ball. They call it and whatever you put into your college, is going down in value, and it is

literally physically deteriorating, isn't it it is it's like falling apart, and so you know, if you want a thirty year old, ten can on your property right next to your house with some renders in it, and I don't know what kind of renders you're going to attract to that. That's where you're headed five years from now right right, yeah now well, not a plan. I know I build a house and get rid of it and just go out with something I did seventeen years ago and there's a lot of stuff. I did seventeen years ago, which I didn't you know, and so you just chalk it up. Stuff- I should have done right, ok, but I just pay it off and then- well, yeah you pay it off. 'cause you got to get the land cleared yeah

about the trailer and the Good NEWS is. You can actually suffer through living in the trailer long enough to get the get it paid off and then start the build on the property, and that will keep you from having to move twice. So you know that's the thing yeah we gotta move on from this idea. It's not a good. They had to keep it so that when you made make what you know that when the horse is dead dismount, when you made a mistake, don't keep riding. You know, Kate, let's move in a different direction, and so you know We want to keep it as rental property. Your husband says it's a mistake to Northwest dismount get off Samantha's with in Michigan high Samantha? How are you better than I deserve. How can I help some were looking to cash out, fiance's 401K, here's about ten thousand in it. That company, so it's just sitting there and another one is concerned. We have about thirty two So I'm wondering

we should take that out put most of that into part that and then build their self an emergency fund and just get us current on everything. So we should leave it. You gotta roll into a nyeri, but if you cash it out they're going to charge you a ten penalty, plus your tax rate, probably around thirty percent, and so it's kind of saying, hey Dave Wanna borrow money at thirty percent interest to pay off some of my debts and have an emergency fund. Well, that would be ludicrous. Of course you wouldn't do that right, so we're not going to yeah roll into an IR a. Why are you behind your bills? What are you my father passed away, and then we do started falling behind after that when you getting married,

When are we decided to call until we're ready to be able to afford it together, or does it cost anything to get married through? I guess running nose. I'm sorry say one more time. I wanted like a nice wedding for us, so once we decided that we won't be able to afford that we called it off. Ok, just for now I mean we're still out there yeah. But how old are you twenty four yeah? Ok and you had children with him right? Yes, one in the background. Ok, he does a lot of quiet yeah! That's ok,

My grandbaby was up here this morning. He won't be quiet either. So that's why it works, but the yeah listen. If you were my daughter, here's what I would tell you to do and you're not not far from the age of my daughter. So what I would tell you to get married immediately and talk about celebrating it fancy someday when you get your freaking financial act together, but right now you have a child. Together, you have a future together. You know you're getting these things in the wrong order and they're going to cost you long term. There's all kinds of data points that say: let's do these things in the right order, so you need to combine your finances and combine your household You don't need to do that unless you're married and then you need to get on a budget together and let's get caught up on our bills and let's get everything dialed in here and start working together in a proper way and you're going to see success start to come your way, then bye.

But you know dancing around the edges of these things and doing things out of order is not going to get you there. So, let's That's what I would tell my own daughter, so I get married this weekend. Call the pastor run over there stand in his office. Kiss the bride go back home. Get your bill straightened out, work your off, then you can have a big celebration in two years and say you know. We just delayed our celebration because that we had kids before marriage. We had bills before marriage, and so since we got stuff in the wrong order, we can get to have the big wedding, so we're gonna. Do it a different way? We have a big celebration. Two years from now will spin offs. We got married and we're out of that celebration, or something like that did you know you just decide to do it differently, because you It it differently open phones with eight billion, eight hundred and eighty eight million two hundred and fifty five thousand two hundred and twenty five. This is the Dave. Ramsey show we're glad you're here. Nausea, I don't know if I got that right or close or not there. It is nausea. Nausea

there. It is hey nausea. How are you I do thank you for taking my call. How can I help so? I so I have about four two thousand in student loan debt. I know it's really dark yeah, I'm a fart! Well, I'm it's as though it is a doctor of pharmacy. You had a four hundred thousand dollar pharmacy degree. I know it's it's crazy, it's about like. Forty five thousand a year and then on top of live. No, it's not! You did Now you get a pharmacy degree for hundred and fifty, but you spent four hundred. Yeah? Are you? Did you pass your boards or you out? Oh, yeah. What do you make? So I know I bring home about. Like eight thousand five hundred a month,

and so I was wondering if I should go the loan forgiveness route, where you know like if you work for a public sector. No, you know why uh huh, you can google it. If you want Google loan forgiveness, epic fail, and here's a little coming out of one percent, like only one percent got accepted, yeah yeah. So what would you come on something that one percent got accepted, yeah Why would you do that? That's not logical! There's like there's a little bit of hope that there's a little bit of hope of winning the Lotto too, but that don't make you buy be dumb enough to buy a ticket yeah no, you have to live on nothing and work over. I'm in the er as a pharmacist on the weekends and pick your income, up to one hundred and six thousand and fifty and we're one hundred forty now, but I get get your income on up and let's just dial your dad gum lifestyle down to nothing. Beans- and

measure, rice and beans, and it's going to take you five years of living on beans and rice to clean his mess up and that's what you've got to do. A note to our audience. Don't spend four hundred grand on agree that cost one hundred and fifty this is The Dave Ramsey show

You know I get asked all the time at what age should I buy life insurance? Let me be clear: if you have a family, if there are people depending on your income, now is the time to have term life insurance. I don't care if you're, twenty thirty, four thousand and fifty or whatever your age is less important than your financial situation. If you have debt Anna lack of savings, it makes no sense to risk your family's financial well being based on the cost of a term life policy term. Life rates are just plain cheap and the best way to compare those rates is through Zander Insurance call, eight hundred three hundred and fifty six four thousand two hundred and eighty two or visitzander dot com.

In the lobby of the solutions that free stage, Erin and Julie are whether say guys. How are you good good welcome? Welcome where you guys live our lives Central Massachusetts, all right! Welcome to Nashville good to have you. Thank you. How much data you guys paid off two hundred and forty thousand, and how long did this take took a hundred months a hundred months? Well right, almost ten years, little over eight years, over eight years, yeah alright and your range of income during that eight years. Seventy five to one hundred and seventy five cool. What do you guys do for I'm a solutions architect for an IT solution: provider, I will stay at home, mom, very good, very good cool, so that was just two hundred and forty thousand and forty Five thousand was consumer debt, car

student loan and a family loan, and then so that was our house. You pay off your I'm. Looking at where the ball, I love it. Men, man, you breathe in some rare air. Well done guys, I think the whole. You too, I just turned forty, thirty eight, and how long you guys been married fifteen years. Okay, so, halfway through your marriage, something happened and you said, were knocking off the consumer debt and we're going all the way knocking off the house. Tell me this story. This is right, yeah? Well, actually I wasn't that I wasn't ready for that yet, but the church we were running at the time was teaching was offering fp? Oh and I didn't really want to go. I thought I had everything figured out. I was that guy who don't tell me how to handle money, but my wife really wanted to do it and she encouraged me to go and we did by the second week of class. I was hooked and what it took was the net worth

calculation 'cause, I'm a math guy, so I was excited to do that and put all the numbers together and figured out. My net worth was about zero. At that point, I was ready to jump all in on your plan. Something needs to change, so Julie, Why do you want to do this? I want to go to the class, I don't know really. I would just say God. I was just prompted to go ahead with the new Christian at the time, and I just felt like there was like go here and I was just like. Ok, so I showed up and he said he Didn'T- want to go but take them along and he's a numbers guy, and so once we were in it, he just ended up taking over my, yeah once a numbers, guy gets their hands around these numbers. It causes to go bananas yeah it does that so numbers nerds or whatever you want to call us, but very cool you guys, and so how quick did you knock off? Forty five? Twenty? months, aren't very good yeah and then show you ended up with about a six year plan on the house,

yeah, one quicker than average yeah good yeah and with we went pretty quick to pass the consumer debt and then just like when it goes through. We went through some tough times difficult times so for a couple years now we didn't make a lot of progress, who was kind of slow The past two years really kicked it into gear and to taking care of put the icing on the cake, but yeah I love it. I love it well. The average is the family going through financial peace. They pay off their debt in two years, and it takes him about another seven to pay off the house, and you get so you guys are right on your little above average on all that, but acts John Gotti. Thank you, wow how's. It feel you have a Freaking house payment mystery it does. I love spending money. That's true put you in a different position, completely yeah. I love it. So when people ask And they found out how young you are and that you have a paid for house and they say how do you do that? What do you tell 'em, Hi saves a lot of things. Certainly the budgeting and working together. You know, but for me it was was hope. It was

other people go through this program and really understanding that it does work and even though it took us a long time, eight years is a long time. I never give hope that we could do it and we can get there and always keep that in the back of my mind. Well, had that Evan flow, the slow down and then the speed up, yeah yeah. You know with the with the different times of the different rhythms of life that happen. While you go through a years or anything right, so very cool. Thank you very cool, so Julie. What are you? Well, people the secret to getting out of that is talk to your husband, just files a lot. I think for me the biggest thing with communication more than anything what we learned, not just about paying off mortgage are paying off. This is, I think, you've talked about this a lot. Is it taught us about each other more than anything in the entire world? We things about each other that we loved and hated and the best thing the only

I think that works for me is in the consulate communicate. Even if it was an argument. You know we will go back and talk, but we were always talking and we're always learning about each other at the same time how to do life or money. Together, I ago very cool, your biggest cheerleaders outside the two of you, some friends at church, at the tfp earlier this year for the first time, and so you know getting some people involved in the same material as us and uh. People their learning, that we've been going through this process and we're pretty close to paying off the mortgage, and so family members as well, have been very supportive, now yeah very cool guys great job and job, and you bring the kiddos with you yeah. What are their names and ages Georges? bananas, six! Ok, all right, very cool good so we made a trip all the way from Boston area to do your debt free, scream, Aaron, Anjuli, Georgia, Nana, we gotta copy of Chris Hogan's book for you.

Need a millionaires. That's the next chapter, your story for sure. Thank you on your way to do that. You, probably you guys. Congratulations thanks heroes, man! He chain your life way to go very cool. Alright. It's Aaron and Julie, George and Hannah from the Boston area. Two hundred and forty thousand dollars paid off in one hundred months, making seventy five to one hundred and seventy five sit down. Let's hear a debt free scream, hey, ready, guys, thirty, two one well done you guys very, very well done. That is awesome, good as it gets right there well, eight out of Your friends, neighbors and coworkers are living paycheck to paycheck, so when he teaches financial Peace University this church he can show people that this

durable. They wander into that class as New Christian. She said eight years ago, and now here they stand a hundred percent debt, free house and everything wow you want to show somebody how to do that become a coordinator. Thousands of regular folks have become coordinators. Shown other people how to get out of debt and build wealth and become outrageously generous, and you can do that too. So start helping people break the cycle. We need some court right now, if you would like to be a coordinator for financial university in in your area, just let us know you don't have to have special skills anything all you do is love people and will show you how to do the rest so get star by texting lead Fpu. Two hundred and thirty three, seven hundred and eighty nine, that's lead Fp U2, thirty, three thousand seven hundred and eighty nine- and that will get you.

Open phones here at eight billion, eight hundred and eighty eight million two hundred and fifty five thousand two hundred and twenty five Dan is twitter. My mother in law, recently lossed a rental house on their property on their property due to fire the rental was paying a small mortgage and her retirement income she's trying to decide whether rebuild our to invest the insurance money and enjoy the larger yard. What would you recommend? well. I think I look at the dollars involved and on her age, does she want to go through a building project? Does she want to rent her right there in her backyard, like she had not actually like the larger yard, to Maine honestly well purchased piece of real estate. If she didn't overbuilder then spend too much on the rebuild

will pay. The rental in most areas will pay more than a good mutual fund will pay, but it has a hassle factor to it that the that the you know the mutual fund doesn't investment mutual fund, the only hassles you have to just open up your email and see what your balance is. So all you do, there's not that much to it. Obviously with a rental. There is a lot of variables, the human element that you're dealing with, and so just what she wants to deal with an. The way this is worded my mother in law, an it makes it sound like she. Probably a lady, that's retired or approaching retirement, and so she may not so with the rental, even if she made more money with either ones. Ok, there's not a wrong answer the only wrong answer would be just to blow the money on something and having absolutely nothing to show for it. That would be the wrong answer. So a man

follow us on Twitter. We appreciate it. This is Dave Ramsey show definitely is in Missouri hi Stephanie. Welcome to the diagram to show hello

hi. What's up, we will be getting a large deferred compensation check next month that cannot be rolled over into anything. It's four thousand and ninety eight, with a donor advised fund, be a good tool to lower our viability and make that amount go further it, you're going to give it all away. We are we are we go to were uh, I'm almost fifty one and that's almost fifty two and we have grown up in search entire then do all that, and much money is going to be rolled over we are going. Now we're going get into our four hundred twenty thousand and what is the rest of your nest, egg um we Has a one point: two million in our 401K we're going to pay the house off with part of it, because we only have ninety two thousand watch on that

and we have our emergency fund or going to put some away for a car, but we thought that would take us, maybe towards sixty five, and if we wanted retire at sixty. We could we could Do that, and then we have our tightly Marie tucked away. No and what is your household income right now. It's about one hundred and forty five. Ok, so you're Here's. The donor advised fund and to innocence pre pay your tithe cracked. We I figured it up. I've been a tax prepare the last twelve years and I figured it up and it looks like we would save about thirty seven thousand dollars in taxes, because you would put how Much of the donor advised fund, three hundred and ten thousand well we'll give forty two thousand to the church will get it and then click

One hundred and ten thousand into the fund and pay off the House Yeah yeah and then we'll have enough to pay off. The house will have enough to it's on the way for The car that is that is not going into the fund, obviously The only donation to the actual donor advised funds. One hundred and forty thousand One hundred and ten thousand one hundred and ten, I will send yeah. Ok, alright, that's a lot different than four hundred thousand no yeah we're not going to put the whole thing in an organization that there's nothing wrong with that at all. That's a great plan. Ok, n show and then you're just going to use it to make your ties track and then, as your income continues for the next few years and bit of actually taking your child check out of your income. You use your income, then to do other stuff right yeah. What

but my plan is: is working I'm going to take my house payment and put into a Roth next year, and twenty and then we're going to take up what we would try and put it in a safe account in case we want to live in case. We want to go on a trip with only selling the donor advised fund is doing, for you is your getting a tax break this year that you're going to give back in the coming years, correct you're, just you're, taking your tax hit you're, taking your tax write off early right? That's all it is: it's not a net savings on tax other than the present value of the money, right. So I am fine. If I didn't put that if I didn't do that, then I'd have to pay more taxes on it.

If you give me and the fact that you're not tithing in the other years is going to increase your tax burden, why? Why did not like it would this year? It's just well just delaying it. I mean I mean you're, taking it early, so you're doing. Ok, that's fine! If you want take it early and it's there's nothing wrong with that and it doesn't it all fits with where we are, and it's not out of line with ratio, with your net worth and everything else. Congratulations on being an everyday millionaire very well done excellent. Job. Renee is with us. Renee is in Missouri, Hi Renee. How are you hi How are you better than I deserve? How can I help? I have a question for you, my husband and I were on baby step to an we have about twenty five thousand dollars in debt and wer king about refinancing our house to pay that of

your input on that. Why? But that why? Well, it just seems like the little things every month, what we're paying and that are just like chipping away and we like really get ahead or save for anything. Thank you early, paying off your debt. You understand that you're just moving it. Right, but we have a lot of equity in our house yeah, but you're moving it you're still in debt. Yes, you just change the name of the debt and chose not to deal with it. So what's your house, seventy thousand. How long you been working on this.

I'm I'm about eighteen months we paid off about seventeen eighteen arm. I would not know I think you're running it on a speed about fifty percent on tightening up your budget. I think you guys need to the two of you need to work together. Look at the budget very carefully. Every single month ride it out and stick to it, I I think you're doing Ishe you don't you're, not doing a bad job, you're, just not doing a good job. You should paid off more making seventy thousand, then you have and twenty five thousand shouldn't be an insurmountable task making seventy thousand, and so how much is your house payment.

About one thousand, one hundred, that's not out of line. Ok, my kids have you got. We have two. Ok husband is not on board all the way. Well,. Ok, maybe so. Alright, so sometimes there's an anchor while you're trying to get this boat moving. You try and it's like you know. I tried to ski The kids this summer and I forgot to put the anchor in you know in it. The boat was just drag on this anchor in on. It feels like there's something hold on this thing back. It ought to be going faster than it is. And I can't figure out what it is exactly. I was looking forward in the numbers, but it's not the numbers. It's in the spouse, so yeah just

sit down with him and you guys readjust and re, commit and turn up the fire on both of you. Two guys l intensity level. You've got it down there rabbit level, let's kick it on up to because they all love for it and get it moving and culture lifestyle down, and I a commitment to not going out to eat and not going on vacation and beans and rice rice beans and we're going to work extra and we're going to sell stuff and we're freaking getting out of that man. That's what you gotta do an when you do that. You kind of get that thing going in your voice. That's when everything changes. I thanks for the call you know. What's weird is guys that doing this for thirty years ' We've seen anecdotally and with actual data points in our research with our team, with our tribe out here that it's weird, it's 'cause, I'm a math, nerd history. Bananas. The numbers don't predict your income versus that you have

predict whether you get out of that? What the only predictor is, how pissed off you are, how intense you are, how sacrificial you're willing to live, and you can't really put like quantify that? It's not it's not like a number. You can but when somebody gets that thing in their voices like you know,. And they're ready to kill it. That's the ones that are getting out of that Can be a single mom, make an eighteen thousand and she'll whip a hundred thousand, but you know because I ain't no stoppin this check and I talked to somebody making one hundred and ten they're like dirty to do. We can't seem to get there, And it's not getting there with the numbers it's got to do with. How are you and tired of being sick and tired are the two of you on the same page. If you got your every dollar budget out, are dial in have you got

is roar going. Are you going to get after it baby? You sell so much stuff that kids think they're. Next, the dogs named Ebay and the cats named Craigslist. Maybe we're moving some stuff around here. You're not living like this anymore. It's not happening man, you gotta, move something and that's the only time it moves that's really what happens in your life everywhere, if you really deep transformation and change in some area of your life? It requires that kind. Passionate focus, a visceral reaction to saving your marriage of visceral action that causes your kids to straighten up and fly right. Visceral reaction to shifting your career of visceral reaction to changing the way you handle money, this information stuff is not quantifiable. With math how about game on baby. This is the Dave Ramsey show

hey. It's Kelly Associate producer info phone screener for the Dave Ramsey Show. If you would like to be your debt free scream, live on the show, make sure you visit, Dave, DOT, com, slash, so it register. We would love for you to come to national until days Dave your story

looking for fun and practical ways to save money in your everyday life, you need to check out the Rachel Cruze show a podcast from money expert and my daughter, Rachel Cruze, hey guys, it's Rachel Cruzan, I'm so excited to tell you about my podcast. Alot of people are living paycheck to paycheck there in debt. They don't even know where to begin, but they have this need. This want to get in control of their money. And if that's you, you have come to the right spots on each episode. You can get a ton of inspiration and practical advice, if not subscribed to the Rachel Cruze Show Podcast, make sure you do it today or more from the Ramsey network, including the Rachel Cruze, show wherever you listen to podcasts, hey, it's J producer of the Dave. Ramsey show.