Oh o blod from the headwaters, the francy's dolutions BO casting from the Dellicar little studio. This is the Da Ramsey Show where America hangs out to have a conversation about your life and your money. I dresoka filling every day and we are going to have a blast this hour. I know you're out Therea, you wanted to chase down result. You've got some dreams to live, and some people that you want to help Oll guess what it can all begin here. As we talk, er question to get clear on the plan as well as the process. You can make some stuff happen, so here's the DEA If you've got a question a you want a

I want to hear from you? 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 eighty eight thousand eight hundred and twenty five five two to five or you can find us on social, Medium, a Ramese show you can find us there, whether it's all on all the social media platforms or you can look me up at Chris Krisoga- Sixty as well would love to hear from you I'll cape woman to get to the. Because that's what we do. I got Archie on the line. Call from New York. Aren't he? How are you I on a dog and ol. I'm focus and not finish my friend. What's on your mind, I Ye found Nen SA. Yes, I harrier No sir, I said Whel can I help you today question Ther might now I am an I amatam, Intrainin, ah my curier and I should be a graduating finishing o June of next year. Ah, you had la

I have a lot alones and now one of the lungs r how to take out was about Ot, Wenty pounds and Ovlonn to our reilcation Derfesses BOT, an inch wet between eleven to twelve per cent, not havar for three be about ninety percent of that a pretax and the, just a by five percent as on was for staff. Ah, the fuller, Mountin Diragon Aby, noun Thousarnd, so wing TA, Relotasin, Onn, thou tall credicards are Howblng a fu about between I fewl? to about nine thousand, some on question that she migt go ahead and ah poor the from Dhau Forthry B, had imcovered the perment for those intersals satos, o deat as ride non avars of spec angers between eleven and twelve percent. What come Archi. Ah,

im in training on the niteen. Sixty year, Thous in the Sieur Butin January after Ree yards come increased with seven seven twe and of this this death Hapso, you have a round. Nine thousand in debt of Crita no, not ah, between credit card and just Oner there to have TE other loans as well. O Kng so. You say how much debt would you say you have alltogether? I want Yo arignanti Ther right Moun, just on the fop of the thousand about four hundred MI deed, ninty one thousand miles of that of out forted Seventes to the lons four hundred seventy thousand his student lungs. If a you study, and what are you. Please tell me where me from Massa, you're on the moon or something right now like what would do you do Awha mamedical doctor on Pinishing, the Rongs Ik Trime young men who father Alice's, yet I undergraduate nap

We are now medical, my goodness, ok, and so you our best case scenario is this training done in June. Is that the residency that you're done with yes Omitrana ARDA out here make me feel better. How much are you going to be making in June WA an what o o be go the Lovs Rearty two seventyars devesters AR nariotitanaware to Ho Outpage is Ber salary, an ay looking the Lew between O many fitten Folt, five hundred etereen. If you are able t get a lot o for Twime YO lookin he make up the six. Las seving dinner on, but she walked like you, young man, I am thirty, four thirty. Four years old, YE here, heres the reality I'm but Umba to help. You change your whole game here. First inform no do not pull money out of the fore. Three bee, you put money, and it was done pretext. So, if you pull it out I' yet

thousand in there. You can probably get around four thousand after the taxes and penalties right, because you can't access that money penalty free until fifty nine and a half and so that there's no reason to to pull the tree up ook at it to see if it's growing o. Not so don't do that. That's not an option that the reality is. Is that you're going to have to make some decisions right, like you, Mi You will hear me and do this you, young man, will change the game for yourself, meaning, yes, you know raining has got to go through June. A you've signed on you, Takona, an astronomical amounte of debt, a from medical school and all thethe coming with it. But, as you come out of this and the are to make money. You got t actually need to do this and IA a soul crazy, but I will give you two words. You gon't need to live broke. Hear me if you live, Bere even though the money is starting to come in what you can do as get this come

half a million dollars a Studloan out your life, but you coun have to come. I'm telling you f you a swallow some pride and make a decision, it means you keep drive in the car that you have. You don't go get anythig! Because you don't need to prove in about You'R an n v, how you have Thn, that in the name and the student longed Dhat to show for it? But if you keep your lives, dout like en broke mode, meaning just cheap like ram and noodle pork and alcayou. Do LI a better nat? Maybe, but you get my point, you need to throw all extra money toward this debt. If you do this get this out of your life in case, I would say three years: if you live that way, if you don't, you have the potential archie from thirty four, you have the potential fifty four in twenty years and this debt has not gone down much so whach but you want to be d'. You want to Archie, that Stepp, free and doin some stuff or you want to be the archer thay? Still makin payments, o Studl M twenty years later make that decision to day

do everything else accordingly, and I'm tell you to put you on a different path. You have an opportor did not only have breathing room. You acuallet, me of the money you're working hard to be able to have This mind set- and this is for everybody. This is literally for everybody if you've got dead out there. If you make a decision that I'm going to great lifestyle. To make sure I can upgrade my overall quality of life, things can happen: is where you start to eat the food. That's in your cabinets, you know some have moved a lot. You all have a can allow a beans. Probably that's moved with you three or four times right. I The can is just tired. The label has fallen off your tapen, it back on eat them. Speople or can get Utthere Qould act an like you're, too good to eat, that food eat the food peed, let's be smart. Yet I was a gentleman that was spinning around three thousand a month eating out per month, three thousand dollars a month. Eating out. That's Fer Dickes. I asked him, but you even have a kitchen in your house like Saliur.

Oe you're, not usin, it right us do fit. You cook and so for him who had fifty thousand an cronacar deat. It was a game changer for him because to go from buying groceries to cooking already used to spending three grand a month, inning out for him to be able to share twenty five hundred of that over and start going to a debt. I Minto tale you something he got excited He got excited as he started to see some progress say: that's what we need tubs. We need a new perspective, so we can have understanding of a real plan. This is the day. Ramses showed

Nm Fooom, Foold, no oo, oooo. This is the time of year. Your time share, maintenance fees are coming. It's a painful reminder in the form of a fat bill that you,

something you can't use and you can't sell or Nough is enough times. Sur Exote will get you out of a bad situation when the resort refuses to help you. The first step is a free consultation. Skecual won a day if they can't get you out, they'll give you your money back, gall, eight, four, four, nine, nine, nine exit or time sure exit team, dot, com and schedule to day, yellow other wone. You are listening to the day. Raims wo show I'm chrisokan filling in for the big man and we have had im last. I just what I tell you if you are ever in Vashville or Mere Franklin, what sold the come by ad visit the new office? Ah, we are so excited to be here. We got all moved in in July and we all of us under the same room for the first time in ten years grown so much. We roll over the place a cuntor spread out within several

k of each other, but were all here and Lyo. I love meeting the people out in the lobby, a st amazing folks are? One gentleman is here for his birthday are from Southing Alifornia met several people from from Florida couple from Connecticut. I mean so all over. So if you get a chance to stop by come, come visible as lsin over the Baker Street CAFE. She will take care of you and give you coffee and cookies Alok all kins of things that ihave baked for you personally. Ah, that's I'm just plain. Ah now she does the baking. I didn't do that. Ah, but we'd love to see you and love to see the smiling faces and a comfort us here the office if you're out there and you ve, got a question we want to hear from you the number to call as eight eight eight to five five, two to five again, that's triple eight, eight to five five, two to five. We want to hear from you call us Amandas by the phone

ready to talk to you, and if you prefer, you can send us a message. Ol on social media at Ramesey show or find me at Chrisogan three sixty howdi. You want to do it, but we want to hear from you. I am to get to the phones. I've got a letter on the line, a. How are you am going to hurry OU? I am good. Where are you calling from, though my John from bufflene work? What my job has bet need a stock home to work for the next what so you're calling from Stockholm. I am, I am what time is it there? It is nine twenty in a very cold wow, so it's late and you're up mad. You talking Tof me I Iam excited. How can I help you? No long very short, I am twenty feven e pit was grave by my granpar. They adopted me on Bfolgar Howth to helph, put Meither College

I went a walk fool. I I'm now beaking about two hundred and ten thousand dollars a year, STA, I'm all fhrill a hundred a hundred and eighty thousand dollars. In fact ST no. My fuchon is I that my gram, nfare in their adou now the house of the Levens they all, but not it not in a great neighbourhood, I wike to pay them back and buy them. Ahout Felp. I have a house and then I have Thi tun down the other hand and am to my questiones. Do I pay down TA few mongers, tudent debt or drid to gold for it, and I have about fifty thousand dollars saved upright now how still happy? Ah it's fo Dat, my Dolema and another' gan too, is that the House S he livein. We can run so he can get about nine hundred dollars per months fot. I can go towards the mortgage on Buti that I would have Yee now be cheped up a very large that Fama Amy, Umicredit

is the goal: lime, ash, Vizily ow, because no one il af? You are very articulate. You'v thought this. True, ah, you've been thinking about this for how long out everything outat, maybe fourteen year old, ah you've got a desire of burning desire in your heart to show HM how much you appreciate him. Don't you exactly a light life short Inmagnihe forever. Yu oi hear you Wha, ah an I I Tate. Do they love you ADI? I know very much how yes, they do and- and I say this because, as I'm talking, you think they think they love you and care enough for you.

That they would want you to make sure your putting yourself on solid financial ground zemic sense at at end. The solid financial ground is, is right now you're not in a position to be able to buy them a home, o k Ray now. Let just be an honest in looking at this for what they've done for you now, here's what you could do. I think you could do something amazing with him. I think you could take them on a trip. I think you could pick them on a curus or do something like that to really show them and let them no, how much you appreciate them, but I do think that you do have the opportunity with your career path, that you will be able to do something eventually, but I would say right now: the best gift you could give them and you would be to get intentional on attack in these two loans, though the laws I loved, am serious an an you said. I love that you know your numbers, but you said you have about almost what two hundred in one hundred eighty thousand in soulonsthat that cry o k and you maye

around two hundred thousand right now, Aprat Bocquet. So imagine I mean if you were to get really really FOC Us Elia. How ongl do you think it would take you to pay off that stoon long. Why? How long hav we la yet really really focus Ray YER year. I think so too. I really do now the bout that so you got, I decide, there's some things, you're not going to do that. Your friends are going to be doing Is there going to let that that law school like a family member. But if your Yan and you free it up in three years. You imagine this dunloan debt is gone of what you were paying now, you're able to start to build wealth for yourself. So I think what you have his opportunity again. You could do something really really special for him. You could take him on a trip Takeem on a cruise,

do something the house not just yet at an elevation. Why, as you don't want to build take on that debt, then you're gonna be trying to get a house, and now we learn upalean. Imagine a gan. Now you've got two mortgages and the student loaned it right. Here, your astur, you ging to be living pay check to Pateck young lady and you're youre too smart you've worked too hard. You've sacrifice to get where you are, I say: do some thin nice for him write him a letter. Eld them talked to them, walked them through your appreciation in your gratitude but, more importantly, give yourself solid financial footing and you move forward. We don't want to go backward to want to go forward. A that's what I do. I really would done be honest with you and you get into in three years to knock out this teulondat and now you look up and you got an opportunity to do things with your money that you never thought you could do before. Thank you for that call wow. We are international. Oka

you needn't know this- that the Daybrams E show the crysogansore. We have listeners all across the world and love to hear that that we had of some one calling him from Stockholm great opportunity to be able to have a conversaty Ight next up, I've got Carol on the line. Caroles goig India, not Carrol. How are you do oeeck, Ill Unfocus and not Finishd. What's onl your mind, then I wetently got introduced to a Ugide WI, my victor, and we have a little discussion going on about a credic cart. I feel, like I benefit from it- had occurred. Ah we only my hunpband and I only have one as is her pigvications for fo a year am fridon'. I before he ga. It is well that lagging of the plain thicket, though I pay a hundred dollar figure Plee for the Credi card, but at Blunthly bases we put about seven thousand a month, all

pay it off, because we do all of our monthly Ledgedyg bill. Fazing is conclusive and that equal tat about eighty four toths a year- and I at least get three round trip tickets for years with those points still so, if you such at numbers, is at least hundred dollars a year and I'm only payting a hundred dollar feet. I feel like an baking five hundred dollars off Tits Crut, a card ol, your Maken money, what NAS that you have thatis the Iby my alter hurry and you Ben do now, and actually the felt wet, Witd a foot to Unitet Looke. How long have you been doing this? I've been doing this fertilacy ear. He said my husband Wis, I metical chooling. We could nafor travelling and trot well it's good way to travel, firh re, and so your sister is telling you what what's the debate what's the question? Could you have Tchincarner e Loze year an YE. I fel

im I, but I appret you you guys you, but I feel like I'm. We are one of the wise couples that looks to benefit: Whatsels men, Orelya Kide, what's Yere net worth right, Nowt are tat, worry eh. Probably for Oh tomortow, I don't know Yeven by natwork. Well, we o ye wer out of medical scoaw of right, well, I'me, where probably yeah n, here's, the realic, what I mean by Thatr you take everything that you own mine, us anything that you owe on as he had that up as a networth. I aertat this Ninety eight percent of people are paying off the credit cards each never than I can SEP. It else, and this my might drop moment people I took ten thousand millionaires. I asked him how they got there. Guess. How many told me I was acouse of points ever miles, not a one, so Coulni, your unicorn card. You do what you need to do the resc I TE.

Fear that a focus ded not finished pay them things off, shut, em down and live your life. This is the day Ranca Jheffr a M hello, everyone you are listening to the Dave Ramsey show Chris Hogan filling in for Dave and bore we've had some fantastic halls if you're out there and you got a question about money and you want to talk about it. Let's, let's talk give me a call. 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 eight hundred and twenty five five thousand two hundred and twenty five would love to talk with you

fer. You can find us on social mediate at Ramesey show or at Chris Oga. Three sixty send us your question and we can dive on the phone and talk I imback Ole. Ones. Here I've got the en calling in from Georgia Allen. How are you. I don't grat how you crend I'll, be tey here, Buddy Unfocus and not finished. What's on your mind, I other Cange lines, o canote me, I hope so I have I have about eighty fo. Thousand dollars an student loans and, prior to August, my plan for havin paid off was in the entire bucket of public service, long forgiveness, Out around that time, that only about two thirds of that's about sixty thousand applied for that programme and thirty thousand of it, so that started our douvel in pent towards the grand we been really doing a great job of pain that off. However, I still

a little bit of bettoffee. That wants to still stay in that mode of. Maybe I could receive that funding for the other. Sixty grand- and so I'm sorry, look out at some of the percentage rates on potentially refinancing or for year, for your calculation by average interest Caimentid about six point. Eight per cent, aloans, and I could ref on ant for a round three and a half or three point, seven five. So I think don't think it was be word greed by anyting for just TA, thirty fat. Thirty thousand, as if I were to give up on the dream of public service longgorgivna the I could read Ghat ants and make it work, and I wanted your advice on well with what you would do. If you are much er Allan. Tell me this: what's your household income Tobot, Ndetol in the Fortect Ocate, ninety thousand before taxes and the eighty seven thousand in the studloand Dack correct? Yes, is that the on det, you o on yes, sir, so the house

do you have a home yet Oah, we rent you ret, O K, so look at this an I'll be ons with you. I've read through some of these long forgivenous programmes and here thing. That makes me apprehensive about believing them they tipi, you read in the little laws of the little by laws of their bulo requirements. It about in there that that which things that can never happen, meaning you can tha. Laid on a payment. If your napayment, then it forfeits you from the programme all right, a the so's. Most of time will reserve the right to change the programme. I don't trust it now I'll I've heard of some that have done it, there's teachers and are ire fighters or things that nature that have qualified UT. It's one of those things where I go. Do a trust them to to keep the programme around or to not. Something in the next. I seven years as your approach that. I don't want you to think I'm being negative Nancy cause, I'm not

A jus saying, though, Klihood right, Emmy YI means you could send in a payment and I' get their own but they don't post it on top right. They bit, and so then what so, I think, you're, better all which you haven't the mind set of it could or it couldn't. I WAL I'd, rather you being controlled than you be at their mercy. If that makes sense right that's the sixty thousand dollars wing. I know your think it o K, Lobald Man, oh Cate, this is two thousand dollars Chris, an an ye I mo a follower to a t. I would just. Read over the duck, the programme o Guide line's. Clearly, look at it a called Tany questions, and just have your thing down to a t I would also say this: you need a back up plan if they changed the game on you, an they've been known to do that if UT, and so Allan. I would much. Rather you be in control you say you know what we're to handle this and we're

This were to get ourselves free and so Ip Fold, people be saving it up. But money aside and lo and behold. If they change the program, you got money that you can Abage just say: I'm done with this. It's Juste Meinset? I want you to be prepared to many times I've heard of people that have waited on that forgiveness bor. Graham only for the programm to be adjusted or changed, and it just Hearta and headache as he attacked TE that without your life and move forward. Thank you for your call, my friend that I've got Christy on the line in Texas Christi. How are you he am goner you got, o Unfocus did not finish some excited to talk to you. How can I help you Mon Heire, me dear of a style question about by bad dat, birth of what I'm calling wide better Hof, what he looked like a wo, occurly pain, o kihot, O arm hor, a wait, a minute! Wait a minute. You said what nailt there's two types of death you get yet don't chock! you knew I was coming back to this. You got bad debt and whats you wat. Did you call the other one

live live doubt no all rights so go ahead. Now I've got lie: Deak, bad, dad, goodead that, though we have about eighty five, an taulven, total and dad Jas Thou were surrently. Ing most a tha. We have two that have gone bad and haven't made men and pall about a year and now whats kind of debt were they, though both you are both confumered at look her and Theon is or Creticarts cried Gard, Looket a good and no My question is where we just started. Your faith advocate a thousand dollars saved and looting off a bunch of a little that this month and like sell one hundred dollars that funny dollar yadda yadda am in. Though we haven't offer letter, though from one of the bad at it, is good that it is sick about then a little over, but the offer is for a lump sums by women

seventeen hundred, I'm wondering, should we take the offer and put it above pang off Arle, of an Bez YO know: Deyer, kno, Bale and Menify of bad Dat do OU. Another snowballs, though, which do you pay firt place or makin up thes kind of Gio h Thad to move off fo the but if I orer H, lived or YE week, Dillel, Jeff, Bocabarn and getting the wreck of a pat look a very good. This is a great question of Realworld scenario of these bad debts of a been bad for how long. Year coque Alrright, and so they opposite a each now try to call you guise and connect with you a lot I know they have that's how they roll but O. So if you got the two credit cards are the bad debt one or six thousand, the other one is how much and bow o k alright, and so then you got eighty five thousand. Is the

bad debt, part of your overall debt number is that the overall part Thus sixteen thousand in bed that is part of the eighty five Yea IP include at Lokate, all right, very good and so you're asking me as you make it. What in the other debts one of the thelive debts as your callman you've, given the Lew Canonas Enhow, in alive may know any your credit gards a though, we will have a board literally upon my up on my walk. Four were three four they're, not that fell like one of em, two of um Moregan hang off bit MA, and then we ad you are about two thousand. What else is on that b on that board? She got the crud for or in hards on what ouse at eight at land o Kake Stulongs O Ke. He not here Tere's the reality, an Gen at this. You goin to have these companies call and be reachidg out for you for settlement. I look Botto.

Is most the time to be able to settle. Wis con o require money, and my putting this in writing. So your telling me you got owe them six thousand a creticart is unsecured. Ah, both of us are six and to ten thousands, oof they're, offering you right now to settle this in full, a ats seventeen hundred. Do you all have seventeen hundred dollars and like that man without be Dragment, we will tlad, we could do an but hold on Stemme, you still got to take care of the other stuff right still got a litte little hair. So you have an extra seventeen hundred coming in next month. I am Honordly, yet Mig Ha if a beginning, a pretty Pleet Crip Abota Jack Hooke. I, if that's the case Chris, listen to me. If that's the case, then yes, would do that ere able to take care of the other needs. Other things Rable Hadle business, if that

Fhomin end then. Yes, I would now hears how I would do this though they've put it in writing. I tell people of the there, it's not a settlement offer if it's not in writing, so they put it in writing I'm going to. Check. A cashier's check in them. Seventeen hundred I'm going to overnight the cheque. Company to require some one to have to sign for it. So I'm not playing the game if they didn't get the jack and didn't have it, we have and on the mimble line of the check. I've goin to saye settlement in full for ex account number and be done with im, keep a copy of it in your files. So you can move forward. This is, ramsashelfo, poo por poor-

hell ever one. You are listening to the Dayve rams. You show I'm chrisoken filling him for day tin, port we've had some fantastic calls and I was talking to a collar before we went to break about dealing with old debts, so these are dets that might be charged off. Ah, she called them bad debts. Ah, but If you go a certain perd or time without payment, they can do what's called charge off, which means they're. Writing it off their books. A doesn't mee they're forgiven it. Just something that they're can a sell off to a debt collection company. Somebody else is a start to call you and the thing talking about in that call? Was this company had this DEA? Ion company had sent them a letter as an offer of settlement which you o exomount and they're willing to settle for anoth lor himout? The that I want to take away from that is a Payng with a cat, a you, Ganto have the money, so

Ffer means nothing. If you don't have the money to be able to pay it, so you need the money, and if you've got to do that, You need to get a cashier's check, make a copy of the tears jack. Ah before you send it off as well s copy of the letter, and I want you to send it with overnight, that they have to sign for it withs a si. Required that way. They they can't play the game that they didn't get the check. Not only do you know they got it. You know what time they got it and you know what who's sign for it and you keep TH Afile because it's goin to take bly two months for that to be up dated off the port to show paint and typically show paid in full, it will show settled so they'll still be abolished. Balance showing on there this is all stefped that IL walk people through. Ah, we have what's conler of Coachmaster coach master training of er that want to learn how to coach others and to be able them in their situation. This is a You can check out, You'N, go to Davramshe, DOT, calm and look at financial coach Ster training and

would learn an opportunity for how you could work with people a to start a in or if you want to coach people. Just for three sakes. You got an opportunity to be able to learn as well as grown AR right, ameritdag. P on the phones. I've got Luke on the line, a Luke. How can I help you Om Chris? I'm A little question here, a unmention of her day talk about how rank kind, o waits for me I live in a college, towns and the rent. Always it is always high o tarblooking for a looking for places of Lowrance, but the problem with that is on the correctional officer. So I kind of have to stay like an some of the safe area to avoid people that I've had been in jail before and they're, just not with any good options. Howmuch as your Renn right, ow Lim or now Seid, an Dame on o K. And what's your household income.

And. I'm bringing home about thirty. Two, an a lec ring about thirty a year o came to Thirto and thirty, and tell me this: what debts do you all have left right now? M, a Iwa have about fourteen and Creda Caardly, o twenty on a card, a honored Fitees I wayh of one thousand five hundred on person alone in ten ins, Dealuns Ooke, so teen thousand or credic card. Twenty thousand on a car o k, then person alone, o K, then Stwo loans of how much and now o king gochim o you guys income household incomes right at what sixty two thousand a year Laderia ye all right, and so what you thinking you you Gu talking about Buyn, a house,

my knowing o tha Ble bought a house Shauld be a world keeper land grunting out out no ni. I can I abiitate this. I can understand the feeling. Ah and probably ookin at the math, I could probably evensai understand it, but The reality when you rent and something breaks somebody else gets to fix. It When you own and something breaks you get to fix it. So this mindset of an amiritan right now, luok, you could probably find a place that would do Emhome w of a mortgage right now Okin it where you all are, I say not yet now, stand you sayin Chris to ran as hot. I get it, but I want you to acknowledge this? The interest rate is high on some of these that you have right, and so you can get rid of. I listen twenty thousand of it You'N get rid of here in the next week. That's that car you go to Kellye

to find out the value of it and sell that bad boy. That's twenty thousand gone right there. So then your left with fourteen thousand Acredit Garden Fort to fifteen hundred in person alone, see. I want you to be able to save up a down payment to be able to put down on a home at ten per cent. Menimum. Twenty per cent would be absolutely incredible cause it. Allow should avoid private mortgage and Currats P. Am I didn't predect anybody, but the Linder so abbots, not yet loo cover beyond us. You wanti not only get yourself out of debt, you want your fully funded Emergencivonn and then you want the home down payment. That's what we called a home. Gompain thant may be Stepd three B, so I would say: focus I'd like that. Maybe this house, for you and your wife is the thing that will motivate you gos to go faster. Ah, I want you to have that and have the american dream. I just don't warch you with the firstration and irritation of getting in it too fast, because then you frustrated by it ah, and it should be something that should be a good

are you guys so stay focused, keep grinding attack debt, get it out of your life. Then you can look at trying to buy home. Later. That's my advice to you. I am back LISA got Hannah and Ohio hand. How are you don't know? Your can't call OM bookas finish. What's on your mind, am we are wondering as thee that thing to do as what we have at Temon that arm we, have no doubt the others. They are in the fifty then thousand dollar mortgage times with God, a a vehicle completely paid for him to giv the Epu. Do it were probably bot a third tow Thenis. I wound O four cares or how could kindly want, but one thirty, five one, forty and it is on Prutty. At the forehead, were looking at moving o

hiner rather than later. Ah, but we are willing to pup it out if we need to and thou Againgo looking for a lithebecter with on my wones, you do if you had what we have your SAM in Herlik, TA, TRU N. I like that. How I's Onis Wo Panna Howld are the kids, I'm I am an eight year old, a Fivl THA four year old and a fifh Mucle, who is you b busy a look e so how the home is it that you live in right now, ah eleven hundred square feet, an if you all were to you, told me the values about one thirty, five Chawl's household income about veny pow, then Oke an have yoused the You've been looking at homes already, haven't you I walk ab. We we doing a fixture of our thing, so we purchased at home for seventy two thousand. We ol fifty three and Foricle, quite of it more than was even put in Feriot no we'd, like tho

again. We ve been in their home for two years and we know that you have to Pehel, avoid a Pegin nak, that's right, The'Re Rigy, so Dou Prad, Walle'Re Plang, under with Te Neck Helth, all ho, I'm well ye. I can only Tant Gither helped EL. I grew I like your focus, but I want to clarify gain you, don't ow n anything, but the mortgage, correct, Krack, Ocase, I, like you, all's focus im, I'm Siy You look at this and, let's run to run the numbers, one thousand one hundred square feet, family of five I mean or a family of six. Rather it could be tight, but here's the thing imagine, slooking. Looking at this, you don't mention that you have necessarily any kind of money saved as a down payment. No, you can have Quittig out of the home, but looking at this, could you o tuugh it out another seven, eight months as you look for the Right house, write a I don't think, there's anything wrong with it and once be says: sit stay, put, pay that thing off right. Have

bunk up They'R small anyway, like it just the're little they'll take up much space. We so I think you got Walke is keep your eyes wide open Beintentional intentional. You know you were Bl with a car. Like you said, are you Vgone into it? You've been very intentional with this housea serious equity built up. I want you to be careful, Kase right around this time when people are at the crux of getting ready to make a br threuw or run fast forward, there's always the option to fall backward, meaning Itcaught up in the deserve mentality, because you've worked hard, or you say we're a family of six. We deserve a bigger home deserve a many van by the way nobody deserves a many van. Don't do that to yourself unless you Hol children, but Listento me be focused, stay focused, my friends, we got some things we can do. We need to chase down progress, an accident, a one of the

the callers for calling Ain. I wnt no Thinke, all of you listeners for Sooin. Again, I want to think James Child reproducer, a matter rogeis filling in for Killie Daniel as Wel Bobby Robertson, Ot Audio Tec, Owot er. They Have you for tuna began a blast? This has been the Babe Ramsay show. This is James. Childs producer of the day ran to show. Did you know you can now listen to the day? Brandy show on Pandora Hand spot a fine for all the ways to watch and listen check out. Our Chopin Dave, Ramsay, dot com, slash

iv you're. Looking for fun and practical ways to save money in your everyday life, you need to check out o Rachel Kruchef, a potguast from money expert and my daughter, Fregiel Fruse Egguis, the Fraciul cruise, and I'm so excited to tell you about my pod half a lot before little patrixk' pay check their ends at ye, don't even know where to begin, but they have as need as one to get in control of their money. And if that's you, you have come to the right thoughts, son each Opisodur and gets a ton of inspiration and practical advice if Yot subscribed through the Raciel Cruso Podcasts makes Yeyo at today The'Re more from the Ramsy Network, including the Rachel Crucho, wherever you listened, Upod Gues, Hete's producer of the day of Ramese show the