From the headquarters of worms, solutions broadcasting from the dollar car rental studios. It's that day, Ramsay Show where that is down casual king in the pay of mortgage has taken the place of the Bmw status symbol choice. Brazilian Ramsay personality is my co host today, on the show the phone number we talk with you about your life and your money is AAA a too two hundred and twenty five. That's eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five.

Nathan starts off this hour in Miami Florida. High Nathan. Welcome to the show. I know how you feel better Deserves sir help how about four months ago, my wife, what we know that she wanted to retire early. So we start putting a plan together. We so far paid off except our house stood, which we just refinance to a fifteen year to get the interest rate down we were struggling. Is how do we if we retire early? How do you make money? income in that gap between one we can withdraw from our half an for one. Curs called bridge investing Chris their Nathan. I actually talk about that in my book. Everyday mill This is called a bridge account. This is where you are our stay and focus, then your attack in and paying extra Mahomet too.

That out of your life, but then you also starting to been invest and put money over here in this bridge account. That will essentially become your paycheck that come your source of income and between those? appears before your fifty nine and a half, and so old is: are you and your wife right now Thirty, seven, my wife's forty, two, a fantastic, and so she wants to retire in three years. Most retired, a forty, fifty so learning to do that as early as possible. Ok, fantastic in so how much do you have left on the house? We have two hundred twenty three Ok, you got your household income is how much to an forty thousand, ok look at this. You guys can begin to see and say you know what we just refinanced were fifteen. Let's attack get this. I paid off and then let's our attention to this bridge account you guys more than enough time in more than enough means would be able to do that.

Absolutely right. I don't know why. I just wanted to make sure that it is now up to you and operating too towards the mortgage is bitter. Such thing is too much for now, because if the house has paid off, then you were: Drover head in the shed and take you much to retire, the bridge account, but I have to as big than to build a cover you and for that ten year gap, basically roughly what it's gonna end up being now, let me get this done she's retiring you're not or both of you retiring? That's what the mayor still ok? How much is in Euro Nest egg and your retirement accounts, let's see we gotta homeward, all early retirement accounts about six hundred and thirty thousand. Ok, and out of the total forty thousand lower income who earns what

she- probably seventy percent of them. Hundred shuddered and forty one or other he. What does she do that she hates so bad? He is director strategic initiatives. Well, there's a couple things: a minimum number, one: that's how you do it! The answer to your question is the Not having a house payment would be key to pulling this off and in the second piece of it is to have some money in investment. There are not retirement investments from just one good me. Funds and yet APOLLO money there you're a couple hundred but then you got this cabinet that our house paid, for you probably can pull off what you're talking about. At that point, it is Highly unusual in ours body of millionaires

multi millionaires that we have that I've worked with for thirty years and we just complete The largest study of millionaires a couple years ago ever done in North America, over ten thousand of them, studied its highly unusual for someone to earn. Zero money from aged forty five on paper. Just generally need something to do with themselves theirs So much fishing and golf you can do I generally what use decision now, whatever it is, I don't care what it may. Whatever your fishing is. It's meant what middle, but mentally We are designed to serve and the people that is maybe she's burn up. She'd been Morgan. Eighty hour weeks for ungrateful, publicly traded corporation is eaten. Her is either alive. I don't doubt that that's I wouldn't blame but two I seldom. I always encourage someone to not have, as gold, doing nothing, people die

when they do nothing. We need purpose, We need something to set our hands to and I don't care maybe maybe it's a ministry and she doesn't get paid for it. That's ok, but it again. Highly unusual for someone one in the data points that we know of its hard to think of some one real. Earned zero from forty five on no, I agree, and even in my first book Dave Retire. Inspired talked about dont retire from Something retire to yeah right like get get to go, do if she's act strategic initiatives, my god, there's enough stuff out there. That needs some real strategy. She could consulted. Some things that matter and then she cares of that she has heartful not again, I'm saying that, but it just highlight, in other words the the sight of assumptions. You have the users we roll income coming it right, It's highly unusual assumption this situation. Now, if you don't, we have six million in your retirement in on you, don't the worry about that, but

you don't have a lot of little money when you got a great income, but six hundred grand hello and her pretty on your house. You you're far from download your farm God bless, you ve been a million dollars. How long could you sit still now- tension that no, I know, but just push comes to shove. I will be here spreading heightened, listen, I'm not trying to get rid of you. I'm Can you? How long could you sit still? I couldn't because I'm a couple I was a kid I twenty years ago I know I know I'd financial peace twenty years ago, I enjoy helping people. Joy, putting my hand of the plough and causing I'm good to happen. I get joy from that and its good psychological and spiritual as well as creating an income. Spillover scorecard, show and I can give more if I have more what and that's the beauty of the occasion, because you yourself, a chance to be able to relax right to then come back and bring.

Or to what you have a heart for exactly so to say: I'm not a proponent of doing nothing right in I say this for here his wife to have that goal. And that DR that's a good thing. But I. Jus Nathan to have that high definition dream with your wife. I talk about that at my website. So can three sixty dotcom said, find out, what's driving her Is she sick of this job or does have some things that you want to do and you know it real good to get that clarification, so you guys can get on the same page is what I'm here and there is gonna Iceland, forty two and one a retard by forty five, and he just found this out. That's all like she had a really hard euro and I'm sick of this place, because what sounds so I won't be a financial position. Do you want and then I want you to do suddenly your life, Europe should have a better life. This is than ever ambition.

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they already Ramses show remedy personality Chris Open with the MILAN. By showing author a couple times over liberty is in many appalache shy. Liberty how're, you Merlin good good. How can we help I'm calling to get some guidance for if you could point in the right direction, my home had just been diagnosed with terminal cancer, We're trying to here we're trying to work. Vermeer call were just trying to make sure we have everything prepared. We leave frugally? We don't have any doubt

other than a mortgage, and but he's the saw income and he as for one k and life insurance and when, sure what kind of things we need to take care of the time I don't know what can attacks has come into play on those item one key is obviously in his name. I think I listed as a beneficiary but yeah that's kind of their basic somewhere map on shore and older you and forty one. Forty two, her alone, you just remarried, whom you just celebrated, are twenty appear

and when did they give you this diagnosis and this new beginning to show your love around of second opinions and third opinions right now we ve current gone through that he started chemo, not just finished a first round of keen on

The goal is to just try to prolong his life. Advise it can advise you can handle the Cayman will cause cancer and biota lost of reminder that ok well, what you're discovering is that one of the ways we negotiate our way through trauma is to have as many of our basis covered as possible in between cries right and so on.

Basics are that the life insurance proceeds are not taxable their tax free. The Fora one k, if you are the named beneficiary, can be rolled to watch called an inherited IRA at that point. If you're the spouse, you may be able to just leave it into a for a one k and not touch it. How much is in the Fora one Kay Haven't you, I think it's around a hundred thousand and how much is the life insurance? Three hundred and fifty thousand, you have children to wage a team for king. Now they don't you haven't hard time, but there they dont. Okay. Liberty, how are you

The terms on the day he asked me I'm emotional, by China you, and I can't you see, I'm in a hard time with treatment. So right now we're just gonna trying to keep him, though the court The crisis. At the moment. Then you should he has the income. You do not write crack worker, so several things in hand the boxes to check one make sure that both of you have a will be completed and I'll take care of that, for you will furnish you a free one from Mama bear dot com.

Take care of you show Madison just start, making a list cuz I'm getting ready to give her a bunch of free stuff. Okay, get that done at work going to have you sit with one of our coaches are financial coaches in the area that's been trained by us to help you get some of the other stuff organized okay and that's it no cost as well. I'm going to take care of

thank you very much, and I do that now and then also if a miracle doesn't come through, do it after as well. Ok, cooking meet back with him again and let them walk you through. All of this ok show how much do you own your home, believe it like we're going to work and show you probably have already figure this out, but you have a new career in your future urine and actually call them what you studying currently twenty Dhaka is.

You plan to do now. Still yeah. Ok, can you follow that through and that gives an income coming in and your best case scenario is, if you can create and of income to live on that simple and not touch this four hundred and fifty three life, the three fifty for sure and for a one guy, but even the other. It. It sounds like it's a lot of money, but it'll be gone in a I blink right. If you dont have a plan, and it goes to two or three things- one as it goes to a slight bit of your income, not quite covering Europe

answers. And then you look up and he just got whittled away and you look up more than a hundred thousand go. Ok, the other place it can go to is grief. Spending spending domesticate, like I met with one lady who ended up with a b to closets, follow shoes and morning, I'm sure she battues she's like how to do that and like hey. We all got low crazy in situations like this. She does not slow, gradual, low, crazy, but mom Jews? But you know we all do stuff like that too, when our hearts are broken and money can end up getting woven into that show, you need a very detailed plan to give you guard rails. So when the waves of of emotion come of anger or whatever the waves are, that you ve got some guard rails to keep you in the road, ok Liberal you're gonna feel like you are pouring out from all sides

your porn into your children. You definitely pouring into your husband to support him. And the situation- and you are quickly define that you are running low young lady emotionally and and and mentally, and so want to encourage you to not isolate, I'm so proud of you for reaching out in calling. But I won't you, plug into your church, get some people. Round you that you can talk to him, be real about what it is you're feeling, because you matter in this situation to an end husband need you presence of mind. He needs the field that love from the last the years, and he needs to hear that your heart is broken. But he also needs to hear you all revisits memories to pull out the photo albums Look at some things you all have done and out at all openly and honestly as a family and talk. While the love and talk about the things, but he still here and so

We want to make sure that you're still here right now in that moment, so Plugin Nogood Charge and get a pasturing. Your corner, we're gonna, get a coach in your cordon and where I get you hooked up with a will company in they're gonna furniture wills for free and you guys get those done. There's something about laying all that foundation. They get. Does give you a level of comfort when you leave you go. Ok, I know of and about the plan. Is he knows what the the kids know what the plan is. This is the plan for the number of months I'm going to be working, making this amount of money and we're going to live on this amount of money and then we're going to use the hundred thousand for final expenses were going to use it for a little pad between To get up and get back on their feet and those kinds of things finish school, though that there are any risks

yeah you're planning? This was exactly we're. Gonna do and then it's a battle plan cause you're in a war and you, then you just execute the battle plan and knowing that always in a war, people get wounded and so you're always gonna be hurt. It goes with Turkey, I'm. So sorry, baby girl- and you listen- I were here- you call us any time We're not going anywhere on the other hand, this microphone wanted me your curiouser, Doktor, John or whoever. It will help you and Madison's going to pick up we're going to get you with a coach and get the wheels done and if you don't have a good church or plugged into will hook you up with one in that area that we work with with financial peace and we're going to gather around to get out will walk with you.

Love you get up I'll, be all right. This is that I ran future You know what angers me a spokesman But those are morally hard times: identity, thieves, you're, using every opportunity to prey on us. The scams are endless. You need to be four. Saunders, I data protection is the only plan I have ever recommended and I've looked at them all. They just do everything in a smarter, more affordable way. Looked most plans are just a bunch of hype, not Zander. That's I recommend them to collating three, five, six, forty to eighty, two or viz Zander dot com.

The lobby Ramsay solutions ride on the deck reached age crystal is Weathers high personal, our yeah hi Dave, I'm doing great how're. You welcome welcome border, you live. I live in Boston, but I am a sudden girl- and I have my parents here with me from Charlotte North Carolina. Very cool will welcome to merge billet here to do your dead, free scream. I am and very excited to do so. Much replied off two hundred thousand dollars low alone, that a three year In two months, and your range of income during the three years in two months started at about one fifteen and then a rap that one ninety three? What what do you do? I m in HR. I started in house HR at a biotech company, and then I switch jobs this past December into HR consulting and it worked it work

team game, you're, killing your knocking down. Girl. Well done. Thank you so two hundred k- and that was for what student loans guess? Where did you go to so undergrad without Georgetown University in D c? And then I got my NBA a duke who you don't truce, cheapskate No, although sometimes I I really think it, but it is not working itself out while that very impressive, pathetic. They are very well that God for YO thank ye. Shall you your mba and your undergrad was in a jar so my the room was actually financing international business okra so did investment banking for a little bit then also did non profit before making the switch and each hour after getting my NBA, Wada the feeling she could do anything very focused young lady crystal. What did you learn throughout this debt attack? You know, I learned a lot. I would say The biggest thing was rills resilience.

And knowing my why, in keeping my focus their there, so many times where it got really difficult. Having to say no to myself and to my friends and budgeting process that was not fund show watched. On this journey so if we flashed back to May two thousand sixteen I graduated I had my job lined up to start off in August and, as you know, they give you that six month grace period which it's like a sham but got the six month, grace and decided to take it as such, which was not smart. I took the summer off too. Hang out, vacation distill out a bit and ass. I got closer to that six months. Realize that I need to figure out what I was dealing with, because I knew I still had undergrad loans in it. The grad school lunch. So my email- and I total up all of that- and the number is in the balance- is across private in federal loans and see that its two hundred thousand dollars

you know how to live before no free go free, exactly so complete freedom, and I'm thinking everything from ok. How Medina pay this off? What ever gonna be able to buy a house whose then a date somebody who s two hundred thousand dollars and of Merger Control s hand at some point during their freak out, actually call my dad, and he said something the effect of you? You are you. Or you can do now- is make a plan and make it happen. So very practical did make me feel good, but it was practice. And now, thankfully, around the same time my church had announced financial peace University so there and that's how it got started. Awhile, ok, good timing, lemme guess very much Wilderness yacht show I met your dad Monmouth break a minute ago and they she like really reasonable, pay people like smart people in all

so imagine, when your dad heard two hundred thousand dollars, he is com for you, but he probably went well Oh yes, what's funny, as I was about being very honest Dave I was not only was freaking, but I was ashamed because I see myself as someone who he has a handle on those hyper things, and so I didn't tell him the number. Oh, I didn't tell you either my parents, the number until I was, maybe you know maybe four thousand dollars out of completing it, so you are almost done before your modem. Let's get I didn't want it, I didn't want to tell them so I told them it was a lie, but I didn't, but they didn't know how much it was. A lot is over. Apple term. Wow! Look at you, you know what that does in. You know to your credit. Sometimes when you look at that and you go,

How do I do that? The sense of shame does come. Essential regret comes sometimes that paralyzes people guess, but in to your credit card, you two Bolton action like enough No, not this girl, that's what you said, and you know you freakin finance degree, so that I am the age while they are in a way to go on our broke following that stuff here, so That's me That's a may. I love the motivation. You had to total lit up to two just stared in the face, and I think I would love to hear your advice to people that are there that our young, or maybe not so young that are staring at student loans at we got fifty three trillion dollars in student loans, that impact and forty seven million Americans right now.

I am sorry this one point. Seven one point: seven trillion it grew. While you were talking to what advice. Would you give to people out there that find themselves in that first step? It is and definitely one step front of the other. You can't elephant happen to be my favorite animal. You can't take a whole by, but it's taking one step at a time and just real Ok, it happened, and how can you get organised and not just having a budget would actually sticking to it that was one of the most humbling aspects of it. There is one time I recall I had figure out a way to get my grocery bill to only a hundred dollars a month and a lot of rice and beans, and so I am in the line, and I purposely when I was the grocery store- would not bring my debit card just it does to prevent myself from spending more her. I love to eat

and I love to cook so I'm in line- and I remember the cash for bringing up everything and I might have been at a no seven or ten bucks off and so there's a line behind me and I have to say I'm sorry, but can you take those items off, and so that was hot because I know it, account there's money by I was committed, and so to answer your question Chris, I think it's you know one step in front of the other having a plan and actually sticking to because it so easy to make excuses or discontent midway per through a hundred dollars. Groceries girl, I'm ok, tell me of me or what were you eating like? Yes, Oh, I am. There was actually a farmer's market. That was not too far from where I stayed walking distance out and have to you know a cab or trade rights get there and they will have a lot of produce. So I was a vegetarian alot alot of potatoes, and so I can get like a bushel of stuff for like ten bucks. Now, as I will just

crap, and that would be it for the for the weak It's really good for you to look at you very, very de I am out Aviano your moment out a proud of you. That was incredible. One incredible thing. Thank you! Thank you. I mean the degrees you got from the place you got. Them are incredible. What's more credible story think at eight that that power of resilience that power of self discipline you play those things you can as smart as you are you build do anything you want, do you are on fire and you are doing that. You wonder when you make a serious bank well done very, very well that show who were your biggest cheerily, oh gosh. Definitely not just my parents, but my family. In general, we have a group of family group tat, and so I would give them milestone. Updates. Sometimes it would be strategy solutions in all that good stuff, and I would also say a couple of my really close girlfriends to who but a lot with an eight out a lot with so having to say no to them too sometimes was hard when we wanted

out. So I would say those two groups were very helpful ever with me. Every step of the way. Look I'll shoot you should who's gonna go Some bywater diversion that so now, you're goin our date any sits down. He tells you he's got her. Thousands in debt they were now. Do you have a plan without question? Do you out about big blue gray world crystal world? You gotta copied Christmas book for you everyday millionaires, no question that you will be one before we know it. Thank you have completely done everything perfectly well done, just that bite off in three years and two months, Megan one fifteen one. Ninety three counted down: let's hear a debt three to what I am

free how it's done. I'm telling you this is not a generation of victims, no painted up that way, but people would have agendas. This general, I'll fire exactly right. This is that over amnesia,

our scope for that I proverbs for twenty five and twenty six. Let your eyes look straight ahead. Fixture gazed regulate before you give careful thought to the paths for your feet and be steadfast and all your ways Alexander, Graham Bell, said, concentrate all your thoughts upon the work at, and the sun, raise do not burn until brought to a focus well a lot of stuff going on out there in the real estate world records being set and real estate sales, which is so weird during covert stuff, but it still happening by houses like crazy and I, if you're, getting ready by home right now, you or shallow home, you really need a high octane high protein.

Real ter in your call arose donation, your corner and don't be dealing with. Opinions and feelings, users to stink and expensive get the backs. Our team is created a stop shop for everything thing homebuyers need to know. It's completely free check this out, go to Ramsay dot com, sliced own buying and get the answers you need to smart decision. Joshua is in West Virginia Joshua. Welcome that Abrahams YE shall have you been here by you, Mr Rambling. I gave a question: ok, we have is a live at UN level. The mobile home and the problem. Is it's on apparent property and tried to talk to him numerous about purchasing them opting for a moment that not more permanently in my main. Currently right now I have a piece of paper: the fund would be up the mortgage company. That's funny.

Things a double one and that it basically I had a fallen out or anything like that, but I would still be able to work. I guess keep the the the house here on property, but some issues of my parents- and I do not want to sell me- the property or anything else- and let's go calls me about twitter. Thousand dollars to movement it to move from words at two different place: Probably I'm looking at about ten to twenty, thousand hours additionally justifying property and what are you a long life and fully four thousand hooker. Well. What you're telling me is is that this doesn't work long term right that there's nothing on fire per se, but it's not a good long term plans Hey it's a double wide going down in value, be you'd or on the property hundred. Nor are you likely to show that I

so the conclusion we gotta get rid of it. How we gonna get rid of it well, the we and I talking about talking to talk about it. And the real estate agent said often harms they can sell them, but they said it's it's very hard to sail without it being on a permanent peace. Eliab. Not very true, that's my dilemma. That's very true! But bread. What do you want? You want your household income right now, it's I went from body Father. Now, you're, gonna, pay rises. Sheer and should be making about. Fifty five sixty carry the sheer if everything stays the way it's gone Josh was this on a permanent foundation, the thunder! Oh! Yes, that's what they consider at our.

Yeah, but it's not his land, german matter mom and dad make out that they have any money, not actually for the past few months, a voice failures, but I've just be careful with you, my parents about on disability and we ve been trying to help them stay afloat on their bills and it's been dry just don't bother actual use while well, what what I think is probably going to sell this mobile home for twenty or thirty thousand bucks to a mobile home lot, who comes and picks it up and you're going to have to borrow the difference? This is like a car that your upside down in is basically what it is and then you're going to go rent for a little while somewhere until you get that but no paid off and then you'll save up your down payment. Remember for good credit.

For instance, we right now I use a credit union as a binding and the credit union. Look the lander that I'm through with right now is also credit union as well Ok, then they may work with you to let you shine a note for whatever it doesn't worrying, but you need to start talking to them about this house. This has to be sold. We have to move, there's nothing on fire, but you don't we sit here two years from now, still torn around all this dysfunctional mass? We had this go on for about two thousand. They obtain tee thou the fifteen I was working in the coal industry I'll bring a naughty five thousand dollars a year. Coal industry drops out more left together, but the world jerked out from underneath my fate and that's what a lot of things start again. I'll help you do well went down here when you bought. It is when I went down here. Cause has been: down here recently bought it. So we got it. We got

stop the bleeding and get rid of the thing. So let's have it. All of being out of the mobile home business into a rental by next spring and sign a note for the difference with one of the credit unions, Let's say you can get a soul for thirty, whatever the new GMO for fourteen or fifteen or twenty euros on over twenty four and she's gonna. Take you a while to dig out of if, but it's not gonna get any better waiting right does not going up in are you a job? We are going to have to be pro active as you talk to their credit union into this lindore that This is something that optional. This is not something you're thinking. This is a five year struggle, and this is the direct and you're going to explain to them your situation, you're gonna have to follow up on it. Don't wait on them to make a decision. You follow up with men call and call and call gag finance a difference from hand, and you got the keys and even come get it right. Will you know this is the way if they won't work with you're gonna have to have some other conversion.

Cancer, p d, Amour foreclosure, others not gonna, go well beyond, but it's got a mess up in your life. If you know that route, I would much. Rather you decided over the difference and get rid of it down there. Lesson learned. Mobile homes go down and value, they are not something you buy and lesson learned, I don't put mobile homes are barb houses on, other people's land exactly right, even if it's my parents and that little bit labour means Muffin, yeah yeah. Doesn't it's just it allows him to sit there loud and we get the mortgage on the mobile home is only worth so, but yeah, it's it's problematic. Sounds like your parents mess to. So I'm sorry, Charlie. You got your face and all that involves a triple eight. Eight to five five two to five Cheryl is whether in Chicago sure, short on I'm no story to your question- I they ve, I cried. I was wondering if aid is a consideration when deciding who is retirement account to fund more fine. Forty five,

husbands. Fifty three: should we put it in putting more of the fifteen percent instead of life for all three b or more into his four o K. A little bit more into his unless all things being equal. Now you got great your phone options and he doesn't organ of work it out, but the question is when you retires will have enough in his Nesta get your current calculations to out to retire at sixty five. We we both have a traditional pension and he also had four hundred m two thousand roughly, as of now the last few days, gonna Dunham, borrowing, money time, it's gonna grown aplenty you'll be all right. You ve done a great job. And show now eighty because Emily had nothing in there than we might say: hey, wait it more have lady is why so that he has something when he gets the sixty five before you get there, but he's got a point: and he's got a half million dollars Bobo a lot more Europe we just

I shall put the money where the best mutual funds are or what. Everyone I'll give you a Roth option, our both they pick the best best investment. I think it's right planetary, an emigrant make sure your plan is coordinated so sudden, with a smart Bristol Pro and come and look at how you guys are invested overall Do you? Are I q talk about that high definition, dream of what it is you want to accomplish later in life? Have you got a charge? None it's Christmas stuff. If you can Chris organ three sixty dot com and he's got the retards. Quotient there. They get your retirement iq. So you know where you stand on that stuff, Chris like trying it. I thank you for me very about puts us. Turkey hour of the day, Ramsay show in the books, our thanks and James Childs, our producers and Madison filling in forms Kelly. Today I am Day Ramsay your host and we'll be back with you before you know it in the meantime, remember there is ultimately only one way to financial beast and Estralla daily with the prince of peace crises

This is James Childs producer of the Dave Rams show on your smart speaker. You can add our skill by saying Alexa opened the Ramsay network skill from there. You can listen to all our shoes Ass day, money questions like how do I invest my money or what is the debt snowball find out? More Dave, Ramsay, Dotcom, slash the last year in a row and living life just going through the motions, build confidence in yourself and learn to trust, the God who created you check out the Christie Right show where Christie inspires you to break through your limitations and create the life your proud to live, pale

Christy right. You know it so easy to feel stuck. You'll have life just going through the motions, doing dishes, doing laundry carpool lines and a whole list of commitments that bring you no joy. We live like that. That's why I want you to check out the Christie Right show. Each episode will help you felt competence in yourself and the God that created more from the room she worked, including look pretty right, should review loosened, Applaud catch hates aims producer of the day. Ramsay show this