What does a ramp? Please delusions broadcasting from a dollar carbon Rio. This is the Ramsay Show where America, for example, have a conversation about your life. Your money on Chris, open and hosting along with me. This hour is Ramsay Personality, mystery of your own. You and we are excited to be with you. We In the light of these phone lines, I know you're out there. I know you ve got some money questions. I know you got some things on your mind that you'd like to talk about and we're here for you

oh a or erratic memoranda. You properly coordinated. Yes, sir! Well, you know carbonated for me, she's waken up in on this young guy got Do you not that young I were excited, call get on the phone and pick it up. People call us gaining eight, eight to five five, two to five again, that's triple eight, eight to five five, two to five Kelly's nobody is ready to jump on the phone to take your call also fund, on social media, we'd love to be able to hear from you good online, we ve gotta looks like we ve got William underlined William. How are you I'm doing great girls? Are you? I'm focused not my friend. How can we hope you today? Yes, I've been doing days play we'll start date plan the beginning of last year and the pandemic. I found him. I am having trouble my wife on track. We started the baby steps. Indian Gazelle intense, like you say, and I just wanted to see What you guys would think would be the best way to get

motivated turvied every well? What's your issue was the problem? I don't know I think they're she's not cheap. She knows about Dave Days, Lambert. Maybe she does not like gets doable to appear. That we have agreed to hold on William Relentless back up a second so to talk to us like where your wife, what did you come home and say Ale, we're your wife comp tell us what you said: how did you go home and introduce this to your wife. While she, nobody was because our Mars, but I urge you to help me, I want you tell him. I told her that wanted to do the plan that I read the book. Monday make over? I wanted to do start the baby steps. Ok, why did you want to start the baby steps workers we make too much money broke? Ok, don't wanna! That's what I told them. That was my that word they will really blessed with the council. We are able to bring in programmes and we should be good stewards of our money. All right. Will you how many kids have kids here we got to

one side to once again how much Monday I will make a year we. last year, twenty twenty we made a hundred. Forty thousand, no ok. I know, let's get to them the gritty. They will come back to his wife situation. What kind of debt do you have well we have our stood alone, which are out of fifty eight thousand before. I won t alone that seventy seventy eight hundred were drawn along. The river was, for a forum, J alone I took it out by far after leads. Ok, that's all Well sure got Then we have our mortgage. There is a hundred and seventy thousand drink got out. Will you down not even economy? First ever come on, I'm a little different member for it now, because I don't know I don't know my answers right. Ass exact never been married in a bomb in the same place as citizen respectful way, I think not. I will implement it like that. Here's attainment

I think one of the reasons why, ladies or why and I'm not marry some China be careful. What I say, oh right answered, see I'm a mellow different debate. This is what we're going to do and here's why we're going to do this? I think sometimes mean we have to step up and lead with Love Lee with compassion, but Otto. I think you said they were going to do this because I wanted to be financially well. I want to start building legacy. I want to start building wealth and he just trust me on this. That's how I would have started conversation not just by saying it, but also by saying it followed by the explanation and just taken lightly, I think it's one of these things where it's not talking at her. It's talking with her so desperate, and what I would do is sit down and really talk about, because I want to tell you right now. I know the number one thing that you all a united it. I know the number one motivator for both of you, or common ground that you all can lock hordes get serious about this and its those two kids. You see

Talking to her about the legacy in the mindset and the things you want your kids to have, because I don't apparently grandparent on this planet. They dont want their kids, a great kids to have better than what they had and the only way, William for your kids to have better, as if you all do better. So I would sit down and talk with her you're talking out or right now and that's a good start, but it get on the same page? Ask her about her dreams. Ask her about her home. And desires, and what she wants to accomplish. How does she envision future for the kids. How does she invest? the future for you all and you hiding in that dream, will get you all talking and in communicating and then you sorry to say you know, honey. I've seen this plan or I've seen this bold man Dave Ramsay, there's another bald member he's nicer s home s me that's me They ve got a plan that help millions of people and I wanted to start but ourselves now? Let me We are hoping to my role and its- maybe I'm still zayigo

we are told, my wife, what we're doing ok well,. No I'm just knowing it on my with our money right this. What we're gonna do! This is what I think we should do nodded. what we're gonna do. This is what I think we should do. Yazzi you, ok black. We got a man over here, he knows better than he harass eyes muslim, but but I want to tell you this: I offer real when we start talking about the thing having common. Yes, I ended that we have in common? Now you can, to move in the direction is about. It is about unity, man, and so, if you're out there in your spouse, is an on board. What you have to do is begin to talk and find out why no. Why we're hesitant to ask questions why Are you willing to try or what is it? scared up. Most people in getting there's about money whenever you start talking about working plan, people automatically start to think of what they can

they see it as hand cut up. Yes, and it's really not it's really. A matter of a budget gives you permission to span now: you're gonna spend without guilt or without having drawn and so now you start to get united so sit down with her and have a conversation, and I think to when you haven't conversation, Hogan ask yourselves each other y. All we say if your, why doesn't make you cry than a price commitment will make you try and figure out? What is that deep? Why you said you did to kiss me their common ground we'll get down to the warlike? Why do you want what you want for your kids now, when you start getting emotional and inside me those took together we'll go after an even higher. and even better issue actually start taken. Leave me Then, here people, yes, this the wife that I've been what I guess. That's what I saw me. I totally agree. Joking earlier, just for radio but honestly I think it out double can come together. going to trial appear to know you were being bossy.

Matthew may be listening right now. She s liver tonight that she's less than it she's gonna call me up a break, but here's the thing will you you guys make a hundred forty thousand dollars. You ve got fifty eight thousand dollars and student loans. Seventy eight hundred and four one king and a hundred seventy thousand in your mortgage. If you all, will lock arms and gets ears and she's probably also feel a little low regret about the student loan death film again regret having such a large amount of debt standing in the way, but I love, your pronouns brother, you said we have she has this, but we are this and that that kind of mindset- guys can knocked vis out if you get serious

dialogue, arms and get intentional is eighteen to twenty four months thing, and I'm talking about all the student loans that go so get connected with surround, hold her hand talk with their not at her watch what happens in New York in United. Almost our movements himself brother can do this and we are here to help this is the Rams show, as we can t,

device challenging times. I hear that a lot of you have been calling Zander Insurance to see if term live plans are still available. The good news is that the insurance companies are starting to loosen up the restrictions. So if you haven't dealt with this yet do it now, let this crazy season motivate you to get your priorities in order and check the big things like life insurance off. Your list rates are still low, call Zander insurance. Today, eight hundred three five, six forty to eighty two or visit Zander dot com, welcome back everyone. This is the right of veto on Crystal given whose, along with me, the cell, revamping Romeo and we're taking your calls about your life and your money. We can. We have some folks in the lobby, just want to remind you that if you ever in the area covered by the office- and now you can check it out, misplaced,

over? There will have coffee and cookies and stuff for you, but we got folks from Colorado? There's a little dang here, hang out Idaho com for years in the house, I mean this is amazing. So come on check this out, we'd love to see the new building love of an opportunity to be able to meet you up. Ramsay, throw state artwork we're goin back to the phones. Remember if you're out there and you ve got a question pick a phone call. Us the number to call is eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five again, that's eight hundred and eighty eight two hundred and fifty five two hundred and twenty five. We would love to be able to talk to you and find out. What's on your mind, we're going back to the lines phone lines. We got Mercedes, calling us Mercedes. How are you Is there not finish? How can we help you today I have been here go take a question: the clarify about baby kept on the word I like fifty per cent of gross income.

my husband and I have a household income where a marginal tax rate is usually point five. The site does that still apply fifteen percent growth- or would you do something different in that case, now. The fifty percent is still going to stay. The same What's your household income after tax chirruped about? Seven hundred and let me ask you: do you have any debt right now? Ok, so your home is paid for everything. I do have a look ok with ivy debt? So what happened to your home one point: five so what what? What? What are you all in my head, ok, all and so look at it this year, the income side welcome to taxes.

But but you guys are in Canada, I'm correct right. Ok, so even in look that you are you're gonna, get him that habit of the fifteen percent of their household income from an investing standpoint, your husband, Vienna, men adviser he knows you in other options and things that you guys can do obviously pre tax but post tax I have a little bit different investment system up there with our s peace, but you still have to operate ready to be able to save and invest, but also you guys would look at opportunities to really throw. I may get hyper vigilant and gazelle intense at chopping down that mortgage? He asked and now tat we ve been doing like was carrying it. Unfortunately, I found you guys after all the place to learn, not honest, a key paying. I wonder just fifty augur well a Mercedes. You know how often people continue to do that consistently. Rarely nonsense!

Airbus got intentions, but I thought I heard some other you guys got kids I just how old is the baby? almost a year and a half a curtsey. I knew I heard that sound. I got that paternal Wednesday, but you guys he and focus I would. I would tell you advise you I'd go refinance to a fifteen year fix you guys have come, you can do it. You're gonna see at an end and it's gonna be five six, seven hundred dollars more, but just getting in that but refinancing, make down to a fifteen is gonna lock you into that. so now. It's not a matter of. If you feel like it or not, you guys gonna have to avoid what's called income stupid, meaning because you do have a higher level of income. You can tend to do stupid on a larger scale. gonna Emilio Amiable, and so you gotta be careful with that. So you got

I can in fifteen being intentional and also ale, with that little when they can start Satan forgot what happens in our deficit, leading to a five twenty nine. If the already not during the summit, there they're doing the right things in other asking the right questions, our definite open up, a five twenty nine and started and wasted might have got their very Canada, so you'd have to look and see what's the equivalent of their of you all being able to put money away, but then at this Time being intent, Roy, I mean attack in this mortgage at your income level. This house can be paid off in two to three years, tops without you all sacra, sing, lifestyle, Mercedes. So silly Your husband? You either see that picture, or you may be too wise to see it right now, because a lot people I try to convince themselves, because there are people out there. You don't know how to count that, having a more It is a good thing. You can write off the interest you ve got to be kidding me. You but what I hear nerd say that I'm gonna grab about Paca Protector and a shake up, but I can't do that, cause us assault but

people. Understand you, don't you? U pay it off! You remove the risk of the mortgage in your life you're, getting rid of risk, your freeing it up, and now you can do. money to charities are causes. You believe in and use that as the tax write off me taking good today, you, ok, ok, I'm I'm! I'm fired up to listen, is drink leave alone. I was caffeine in IRAN on road led. I people Maybe if you out and got a question pick that phone up pick it up pick, it up call us triple eight, eight to five two to five again, that's eighty eight. Eighty five, I have two to five or find this on social media. Are you can find Anthony at Anthony O Neil? You can find me at Chris Organ three sixty or the right, Z, show as well, so you got ways you can reach out we'd love to hear from you. I must talk somebody else what role it John, from Tennessee? How are you brother someone so gives, but not been it's all right, I'll take. That was on your mind I need a little focus help around so island.

New job last year and moved from Washington State to got loving country tenancy, okay and the company through in a lot of benefits for this move where they helped saw the house. Why should they not be five out here with my income level is well and all these benefits my combined the income and in applying this about a quarter of a million a year to by surprise we were. you're getting too aloft. Behold I go so my investment National said we had all those funds out of the raw and send it back here, because we can't make those granted. visions, guys. I made you much money apparently last year to do the work well The question is: is since they pulled out those funds and send them back to me: where do we put it Well, here's the thing you could have done earlier,

was utilise it at an end. Do it's called a backdoor Roth where you open up their traditional going and pay the taxes on it, converting it back over. I already have a irae that open our other additional one bright? Absolutely so, You have kids go here. The way here to me was that we would have to you figure out again the percentages and everything else that be able to pull it out of the traditional right, that put it into the back door, walk and I've at a point where would like were really confused on? How do we do that? If I were you had an IRA? Ok, so it it's two separate things. My friend, you need to reach out with a smart vessel pro go over to the two day, rapeseed outcome and we're gonna get you with connect, The small investor broke your traditional irey that you already had open. That's fine! That one is there.

What I'm saying is is the money you were putting in for the Roth that there now say income level. You can't do you can do a door Roth, which means your opening up a nother, traditional IRA and go and hidden. the taxes on it which converts it to arrive. So you you guys used have options body we gotta get. You would someone, they can walk through this and show you that the process high, income earners wit. You know if you're making over a hundred and fifty thousand or over two hundred thousand, if you're married you still have priorities to use investment tools, and is so important to get with the right people. John. So thank you for call again go over to day. Indeed our com, we're gonna, get your connected with one of our smart rest. Eyebrows that'll be able to walk you and guide you through this The crazy thing is assessor. Income increases, so does the government's hand in your wallet has called taxes, I'm still searching for failure to this day. I don't I don't like him, I don't like em, but but we got a deal

that and we gotta beyond the ball and make sure things already and speaking of this it's time for taxes, my parents, we gotta, get these things such way. And I know you got a lot of arms in the bar. You got a lot of life happening, but what you don't want to do is put this off. So if your taxes are, complicated? You can file online? We ve got a thing called Ramsay, smart tax. So do me a favor text. The word tax to three We seven eight nine again text the word tax to three three: seven, eight, nine and you can get started on your taxes

that's gonna! Get that out. You wish you can sleep easing and let your hair down this is the rims show. Are you from?

righted what the timeshare I told you not to get maintenance fees are going up and now they're charging special assessment fees for something you can't even use call timeshare exit team, although it's not easy getting out of a lifetime contract, it's worth it timeshare exit team as exited over twenty two thousand people call today to see if they can help eight for four nine nine exit or time share. sit team, dot com well go back to the refugee issue. Gristle given hosting along with me this hours, every o Neill add a o is out there all over the place on social media. If you ve not founder on Youtube, you need to check him out at Anthony O Neill he's on you,

Ruby, Instagram, Facebook, Twitter, all the things, but he's got a show, and it's called table with Anti O Neill and its now global as a podcast, so you can subscribe to wherever you listened apart gas, but with every new episode and again on Monday, He's gonna talk about how to set a clear vision for your future. She can start with in your life, your money and your relationships and he's gonna. Give you every You need to know to be successful in what it takes for you to make your dreams. Are reality now ale I love those through things, love what you doin with a show their mitten. Its point number three. Where to have a discussion with this. This is birthing. Videos do not to show how you can go from looking fake, rich to become real wealthy. Oh you. You are you going over until the wealth lane yeah. Ok! Well, that lane, as is taken that leninism its busy already marked grim brother

I'm saying to me: do you think? Rather because you know what I thought we were on the same page, a man this man just what I thought we were team, the so good that we are acting on its fine, you talkin Oda peep on top and the younger seriously as one of those where you know if you ve nazi NATO on video or onstage Unita. as high energy, very focus very effective. In its communication excited for the show, You need to check it out. It is the table with Antonio again. You can find that out. tube and look it up but check it out and also you're out there and you ve got cousins, nieces or nephews, that our millennials and you go and boy. I wish I would have known this stuff earlier. You ve got a great opportunity as an uncle and aunt or apparent to Cynthia. People towards this young man to give opportunities to connect, and we ve got a great opportunity to impact the youth of this country may just have to we have?

something we do man and, I think, sometimes a really in the reason I'm going this path. Hogan is because I remember when I was young and criminals. Are you my young twenties? I didn't have someone in the authorities ten years older than me who it is having a real right went in a reliable conversation that made me want to be there that made me want to look at life differently because everyone who was older than me made maybe in debt, free, look, kind of or in other look look on. Oh and associate you know what being debt freak be sexy, it could be cool, it could be popular, but you gotta have a cool young person space and said ass. Was it hey this obsolete? God is called me here too, to really had a real, related, more relevant conversation, and I keep it one hundred about my struggles, even today, sometimes on the yellow went away, but then I gotta after taught myself into waiting and go back to my deep. Why so? The conversation is not for everyone, but is definitely for.

Young people, our differences between eighteen about thirty, nine years old, who really want to start taking control their finances, but you ve been on my show and once they get there with me, I'm always pushing them to you on push him to rage on pushing. We can't get a career. We are a team we're onto China, bringing a young girl. I know it ram and its helpful, and you know we can sort having these conversations with young people. to plant those seeds. You never know what you can help them to avoid an watch this all you all in the lobby, raise your hand if you ve done some stupid with money. Ok, see we got real people out aeroplanes up. You can put your hand up, you need to put a nine a lobby. Ok, MR don't don't get technical with me, better than that I'm gonna take on his radio show herbs but less people we aren t. I hear it Ramsay solutions. We are very focused on helping people in all phases of their lives, have hope, and it's really important if you'd Nottingham, with Ramsay solutions. Dotcom get over to the website. Take a look at all this, you're goin on real quick for I get back to them,

we also need to let you know we are hiring yeah. Ok, we our hiring. We are always looking for top notch quality individuals. I'm looking at one of the gentleman out there. We were talking to break a total message, but come you can apply so you're out there and you go boy, I'd love to work in a place where and valued where they want my opinion. They want my input and, let me walk let me do my job. You ve got a great opportunity by over two Ramsay solutions. Not com do work that matters and that's one of the monstrous we have here and it's one of them. We say, and if you ve ever wish, that you could wake up on Sunday Happy about going to work on Monday. This is a place you to check out You can do it, you can find all the information, and especially if you are digital space. Again we're on the for many software engineers right now with expertise and I'm about to tell you a whole lot of things that I've heard of and have no idea about so bear with me. If you got it

cheese and ruby on Rails Java, however, that one c sharp and front in technology watch it or, if you are you ex design as the EU or content marketing, specialist, we'd love to talk to you as well, further Ramsay solutions, dot com- you can see all of the openings we are having people relocate. yeah and loving it, but you have a lot of areas that you can see there. They got it up right now, if you want to know you can see. There are probably about twelve areas that were looking. We have open active, open positions at so definite. check that out and make this the year that you start to move in the direction of your dream, career or your dream job, and it may not be here. Maybe We want to find that somewhere else I also want to encourage you to listen to. My friend can comment on one of our key. ex here, whose help people find that dream job and let's start life is too short, can is helping. You figure find your career

we can Coleman dot com and learn more about his show. Life is too precious to waste less move forward in the right way. As I get on the phone lines got Daniele on the line, then yeah. What's your question for Anthony the need this has been on twenty nine years old. My husband is a thirty five percent of twenty nine. I followed us so that we too have completed baby step number two local congrats, just trying to figure out I understand there and I've always like wanting to find the next best thing we're just gonna bad, but I got over with better with it, and I used my why, as a reason to help pay off my the idea? Was most adjustment stood alone? Do not know how do you get the motivation to keep going like we ve paid offer that will get really go baby, free and dislike. I see what,

I wanted to go for a guy and I'm trying to keep myself to slow down now which Daniel I'm to spend two. I really am, and so you know I went to relate the juniper hoagie you you're not on this call don't worry about this. So I want you to know what went on which you ok when I see some, I want it now and I want the very best of it. Signal which you on our part but then Why still need to carry on the wall at throughout all baby steps. And so, if your wise, not ass, passionate to give due babysit number three, then your? Why hasn't you haven't going deep enough for your? Why gay so in very quickly wash your? Why in ten seconds wash your, why it honestly to change my family training? Ok, here

Europe did not follow this. Why do you want to change a family tree? I was tired of being broken. My wife and I dont want to be when I grow up. I got you. Why are you? Why are you tired of being broke? Your whole life couldn't do anything to go on trips. Cutting just go and get in the eight with my kids. Why do you want to go in? that's what you kids, I was never able to do that when I was young. I was gonna talk now you see what I'm saying so your. Why is you don't want to tell your kids know your wise? Like me, I grew up with with ten issues that had holes in it and they had a put tape on the bottom of my tin issues to prevent water from getting in, and I never what might, to go through that. My wife, solar ain't, that if I start with breakdown, mar why I'm a breakdown in here would to grow good old chocolate brothers, and I want to do tat right now. Ok, and so for you, I'm saying you gotta go deeper, deeper, deeper deeper. I asked you for wise. You and your husband need to go down deeper citys, where you can get your three months,

you just paid off how much debt with forty seven thousand is paid off all the bad debt. That's not easy that that require tension AOI. It requires determination and you did it so now what you're doing here It is three to six months is gonna help me not help me by help my husband and I do not go back there, but it also has set us up till we can start giving our kids wealth. We cast our given our gives kits freedom. We could start given our key joy in our really want you to spend time tonight then you do this, for me tonight is to weaken your husband, sit down and just keep ask yourself why, when you answer a question, why did that question a giddy emotional? You get that you will get! Your three must knocked out in your baronetcy fine within the next three to six months, all right. When we come back from break, I want to talk to you about what are the biggest lessons we should have learned and twenty twenty you wanted.

It is still too we'll be right back. This is the real issue Welcome back to the Ramsay show I've Chris Hope in imposing along with me this hours at the only real- and I tell you- we ve had some some some spicy conversations already and I absolutely love it got people calling and ask a real questions about their life in their money. Now before we went to break, I told when we come back, I want to talk with you about something that You really should have learned and twenty twenty an entity was talking to a collar about this and I'm talking an emergency, but if you didn't under, and the importance and the value of an emergency for last year, you learned it right. You learned it understand

haven't that money set aside to protect you and your family from wipe happening because life is going to happen. so happened that cushion we know a oh, I think about ignored and emerged monies. It's it's a bodyguard! Oh yeah, it's a lifeguards big boy. It is just sitting there ready to protect you, so I won't you, get serious about making sure you have that the problem with them in America. Today, as we can get amnesia, we can live through somethin and say I go forget this, but guess what happened? You blinkers five or six times, and we tend to forget. So get an emergency fund for you and your family and place a sap. We talk about having three to six months of an emergency fund. LEO people say why do you say that three to six? Well, I want you to know if your work, a stable job and you gotta stay? income than a three month emergency fund is suffice, for you If you are, someone had commissioned, your seasonal than you do.

We want to look to have more of a six month emergency fund, and so what that'll do as again provide cushion between you and life happening. So it's important. Get your emergency phone, I'm here from a lot of people LEO that they ve learned that hard way and their get it in place absolutely obtain right. I'm an outlet, last year was things happened like from his apple organise, gonna car accident and when I walked away from it. I was sure tat morning when I woke up the next morning, called the insurance company and found at the car was total. I wasn't I was upset, but I wasn't like or what wanna do cause. I have my emergency fine right in place for situations like this right. so I just when you have that emergency fund. Not only is it a, I regard but is also just some cushion to your life. You know you fall back when you, like our cool Suez, It's a big evades, but I'm not stress

struggling. I am upset but mean hey, Elisa Camel Full well and the main thing is: you are right and an end, but you're right haven't met emergency, but it changes the game so again get it situated in drought and you go. I hope it you're talking does emerge surviving. What do I do want it? I wouldn't want you to know you can get plugged into Ramsay Plus, which will help guide you on the process of not understand just how to budget also? There is the threat of debt, but it's going to show you the importance at how to go about that emergency fund, and so you can do this. All you have to do go overture, Ramsay solutions, dot com or go to Ramsay, plus dotcom. That's what you do. It's quicker, Ramsay, plus not com, gone over there right now, get in your free trial and watch what happens: you're gonna start to change or financial life. I know that get on the phone. I got an on line and how are you I, like you, forget them

Yes, MA am. How can we hope you today? I must tell you now that this appalling myself, I love, future, to pay off my how my home, I'm on a fixed income, disability, retirement income the army, the only gotta have if my mortgage and but I'm kind of stuff With lady extra money, girl thought the english channel So how do you do that were held out? What would it? What do you mean you kind of stingy? What do you mean I know I have a lot to fairly noted pay one, my mortgage, regular ie. So what am I doing down, but still. She doesn't that battle. I ask myself and I don't want in this movement have us about. If something happened right, so you don't want to answer, is I just said

don't you send an extra mortgage, the straight up answer Could you don't want to am, I told the truth: you're on vesture night? He could so what we gotta do. Ale was just talking about dig in it and I wonder why, so why Why should you pay extra mortgage because I want to get this data why do you want to pay off the belief that very well? You won't be reverie. really worry about a lot of things, to see, and so look at it this now what do as be real. What yourselves and now you can start to figure out. Ok, what's the plan now so tell me this: how much income to you have come again each month about thirty, fast enemy, okay, and how much

your mortgage payment, eleven thirty, and how much along the house about a hundred and fifty five and listen to me, an preside tend to talk fast. What else do him? Oh on nothing? Ok, now people get amnesia, and sometimes a limit of double You got any credit cards that much is on. It the only eight dollars, Poland, it is left because it day Those who want to worry haven't met. You remember me dollar, voters. We want close around you're, really that I gotta carloads now. now. What I'm saying is look at attitude. Have an emergency fund in place. I'm saving how much do you have in savings about one thousand

so you got an emergency fund. We got at sea for you, you need the structure. Did you do this loan aunt? Listen to me! My I got one here on top of his head. Tell me: you have a fifteen year mortgage, or did you do a thirty year? Thirty, thirty! What's your interest rate on this mortgage of also exactly Did you know about athletes are allowed me to highlight the twenty percent and so the twenty percent, its four point. Seventy five percent and eighty percent part- is to point to four percent They didn't eighty twenty behaviour he lot lately home, actually laana credit as one hours. I'm not the videos, and so they gave you a bigger credit card attached. A house is what that is. Oh, ok, so, ok, our ears,

alibi for you. You are sitting at a point. You got thirty five hundred seventy dollars coming in a month. You got an incredible opportunity to really zero Anna get focus now, and I say that because you know the eighty percent loans at two point, I think you said two point two. But if you see Rowena get intentional called pay that law eight dollars on that low, dirty credit card off today, ok, Romania, short cuts. got it down so that they are getting your life, but turn your attention over to this twenty percent. Now get this thanks. and get it paid off. You can do this. Is anybody else in your family, an ever own, their home, free and clear. Ah no everyone's is far less. Did you hear them? You do you want You want to do something new for your family jury. Yeah! Really you would you would you to hold them grand babies on your lap one day and talked about how you paid off that house, how that be

over there in a frame and you go over and grab at a year- and I think hopefully heard earlier. You know what I'm listening to you. I don't really feel that the death in your motivation- and I really wanted to spend as we can really just ask yourself what small I it sounds like you. You want to be safe and I totally understand it. I don't need to know your age, but by the way, you're sounding sounds like you're rather be safe than be aggressive. Would I think that's ok, but at the same time of your making that kind of money- and you can be a little bit more aggressive and still be safe and go ahead and create a sum wealth for your family. So what I really predatory you do from this phone call is here. Hogan hear hear me spend this. We can't just digging in why? Why? Why? Why don't want financial freedom, wider, one financial?

and when you get that deep enough, why your motivation is gonna, be so good to. I think you may have a startling more on the aggressive side. Then safes aerospace, nights, ambient cultural goods and get fired up left.

intentional and start changing your family tree. Be that story. That's your great great kids get to talk about because you got focus the not finished on lady. You can do this and we are here to help this is the rams have a friend or a family member, the needs of daily dose of Ramsay Advice and their life. Let them know about Ramsay call other day podcast. It's a quick of advice about life and money in under ten minutes check out the Ramsay call. Today, wherever you listen to vodka, if you're looking for fun and

article ways to save money in your everyday life. You need to check out the Rachel crew, show a podcast from money, expert, Maidan, Rachel crews, guises rates are created and I'm so excited to tell you about an ipod pass. A lot of you darling, paychecks paycheck their end ass. You don't even know where to begin that they have this. Need this once again is control of their money, and is that you have come to the right spot. So each up a soldier and get a ton of inspiration and practical advice, if not subscribe to the rates of crucial podcast makes review it today, nor more from the Ramsay network, including the Rachel Crucial wherever you listened Abad, Gush hates James, pretty or of the Dave Ramsay show this