Reports of Ramsay solutions, broadcasting from the dollar globally studio? This is the big Ramses Show where America hangs out to have a conversation about your life and your money. I preserved and pulling everyday brands at this hour, and I M excited to be with you and ready to take your calls. I just need you to call me so I know you questions on money, or maybe you ve got a situation. I need a little bit of guidance, so you can start to chase down progress and grab it with both hands, because that's what we want to do. I want you to give me a call that number

All is eight eight, eight to five five, two to five again, that's triple eight, eight to five five, two to five Give us a call. Kelly is ready to help you and you can, if you can Are you can hunters download social media at Z show we're out all the platforms. I'm talking about you tube Twitter, Instagram. All those things you can find us at Ramsay Show- or you can look for me at Christmas Three sixty as well so exe to talk with you and we are ready to attack this hour. So I'm gonna get the phone lines because that's what we do. I've got Stephanie on the line in California Stephanie. How are you hurry? How are you know not finished young lady? How can I help you? I need- advice on how to grow up. I guess yeah I'll, be turning twenty six next month.

We shall be aging out of my parents, insurance and the current job that I have I will be eligible furniture at the start of the next school year. Olds, The amount August September that means between April and August. I don't have any health insurance, and I know that California, how do you feel better tax for not having hoping I don't know if I should find a new plan or if I should just take the one tat season comes around torture. I don't know that way to go about. Ok? No, seven, it's a fantastic question suit! six years old are you work? Full time are you going to school? I am currently substitute teacher so its part time. Ok, ok, so working party and you know here's the thing with insurance. At times they look at it, and it's about continuity, did you ever have

Here- were you didn't have covered so there's a couple of things I would do. I do think you. You definitely need to have some health insurance, but there's a couple of options. Speaking to the company that your parents currently have to find out. If, if there a rider or some type of way, you can continue some cupboards there or I will to reach out to what we call Li L peas. These are indeed Sloka providers. These are professionals that David. I trust all around the country and various areas we haven't for tax. We have a smart vessels for ensure are investing, but we have inch it's your on this topic, so what I'd encourage you to do it? but to day Ramsay DOT, com, look up and insurance, O p and poor California and begin to have conversation about what you're options are. I love the fact that they come time. In August September you have opportunity to unroll in that plan and that's a good thing. But what can you do in the mid term? And I think that's where you can get some excellent guidance to make sure that your point

that an end you are grown up and are growing up, because thinking ahead at some very proud of you Stephanie, for reach now to have to make that phone call. That is an adult d Jim insurance is protection. Will people remember that we pay up? my own in exchange, you get protection, and so this is something that we have to do not being inadequately insured. Is one of the things that I see cause people a lot, a headache and hearty financially so Stephanie great question. Thank you for calling in art, I'm back on gonna, three I've got Russell on the phone and Ohio Russell. How can I help you? thanks for taking the call on Emma thirty. Eight I'm active army- I have seven years to retirement, saw him trying to come up with a plan, and I want to pay off my doubts

but my wife and I love your credit cards job. She wished she LISA car. I just purchased a used car, but it's I owe ninety five and I purchased it ass. We get our third child concern all three of them in my by previous vehicle. What kind Did you have a behind a Santa FE sport? Ok, kids are under six years old, godfather by five months, three world and a five year old condescend. If they done that's it like six people, it was not the one. Now, the third rail bogey I gotcha, so you got to say Would the car lease how much I'll pay. An honest fleece releases, three, eighty eight for many than minivan. Ok, what are the debt? You have.

Be my car Acadia about three, a of tariff them. I bought and then are our home. Now one. Forty eight on that again. How much is your mortgage payment? Twelve? Forty? Ok, what's the question My question is: why should I keep short period of car off worth our savings? I've, fifty five thousand and savings between my life and I, or should I sell this car and get something something cheaper but I still need to be to get the kids alone, because my wife and I bet guys Both- have to drive them right because of our schedule right well. First, let me tell you thank you very much. Reserve restore country of freedom is not free and oppression. You ve, given that MAX? I need to know how do you have fifty five thousand dollars and you savings that form of employment.

He took out each well, my wife. She level is safeguarded their own Shiva hairstyle Look, I don't like here's the plan I make Russell. Do you want to be debt free idea? Why because I'm nervous about my retirement cuz, I don't I'll. Have this my base, pay retirement and whatever disability I met a crew and my kids will be so young and not in high school, I want to have my house my car. That's right pension. I had done the death of a life, that's right! You can guess on getting the things that you want to get done. Instead, it take your debt, so five in your shoes. Here's what I'm gonna do this Acadia, that you Bob that's nineteen thousand pay that off and this becomes the vehicle their church. Heading for the next several years, and in this is that your in guess what tell it by ok

is the minivan worked out? Well for you all once ok, you drive. The minivan is at your wife's to my liking, abet! Here's the deal! What let's go, get her a van. No find her? Ten to twelve thousand dollar minivan somethin reliable. You ve got your car paid off you This lease, it's gonna, cost your limit. To get out of the lease, but you gotta paid for car for her so now you guys go from Heaven. I put a majority of your debt is wrapped up in cars. Now your debt, for example, and so what I would do, as we tell people to have a three to six month: emergency Fund, that's a cushion, when you live happening, but you will have paid off vehicles and got dr drive paid for cars have that emergency fund Cosette should put you ride around in that rail and now you're, It's in your attention on baby steps for five and six investing paint saving. College and attack in the mortgage. I'll tell you, Now Russell: that's what I do know your problem.

Happened some some heart palpitations, because I'm talking about dry some of the money out of the savings, I sure am because I want you to reject the death of your life. This is that we ve been voted the best places to work in Nashville eleven times. You want to know how we do it. Our team has been using linked in jobs for years to find the best people to help us change lives. Think about it linked in has more than six hundred

million active members. I'm talking about people who come to linked in to make connections, grow their careers and discover new job opportunities posed a job today and linked in Dotcom slice Ramsay and get fifty dollars off your first job post. That's linked in that calm, Slash, Ramsay terms and conditions apply now everyone, you are listening to the Abrahams issue. On fiscal get filling in four days this hour and we a blast if you're out there and you ve got a question. I want to hear from you so just give us a call pick up the phone numbers triple eight, eight to five five, two to five again, that's eight, eight, eight, eight to five two to five Kelly is standing, ready, willing and able to help you on the phone line, if you prefer can understand on social media at Ramsay Show on all the social media platforms Instagram Twitter. If they

work, all the things at rooms he show- or you can look for me- actress, Hogan, three sixty speaking social? I want to take a social media question here. This one is from Rebecca. Who is one of our? Are you two watchers- and she says I settled three debts and I dont want it on my credit report anymore. How can I get these So when I go get a mortgage, they won't see it. Okay, so Rebecca you settle debts. Now you want so just leave your credit report. So when you get a mortgage, they won't see it. It doesn't work that way and a couple of reasons one of the words you point out in this. The jumped out at me is, it says, settled which means you off them. A dollar amount lead. Then what you owed and they agreed to it, and so therefore settled at which mean on your credit report. It's going to show settled. It'll show artists settled under the status. However, it will reflect a balance. So if you owe ten thousand, and you settled it for five. It will still,

a balance of five thousand, but it will say settled, unfortunately, you can't, date, windows fall off your credit report, typically those Wendy Beyond, therefore, seven to ten years or so it's not something that can magically leave or you can control. Nor do I think you should worry about it, I think the big thing is, as you have the letter that sets settled you have occurred, the other. You have all those things you have a file, and so, when you get, to get a mortgage. I e once you pay off that get a fully funded he fought at then you ve got about a home downpayment. Then you're gonna be ready to talk, but it will not just leave. So that's it. That's a good question But people need to be aware also, if you're out there- and you say, workers I dont Know- what's all my credit report, how do I look at it? first thing to know is that there are three credit repositories out there. So there are three places that that store an end grade or rank credit. Its experience-

Trans Union at Equifax, Arthur three? You are a to get a free copy of your credit report from each one of those each year, so what we need to do is reach out and write to them. If you go to the website, you can do it online to get a copy of it, but don't look at just one those and think that it showing everything there could be something show up on Equifax, that's not show up on trade union. So it's important to be able to look at those who know exactly what's goin on ok we're going to the phone lines, because that's what we do. You got a question. I want you to 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 eight thousand two hundred and fifty five going to lie to got the haughty on the line, and I awoke how can I help you colonel Dave? This is Chris sacred. Yes, may not your farm of iron!

because I am twenty eight, my husband, thirty weren't baby tat, three be saving up warehouse day. We ve been renting going on first to use a rent now and The third wise to continue went in Connecticut gave up a bit of a more profound feeling on a bigger hound or if we could just that offer a smaller house so that we can better retired right, like this so difficult. This dream So what's your household income I'm worried around sixty five or six about it. Just you and your husband. While we have treated three kids, what are the ages of the kids die? three and two months, oh my busy busy, you got three kids. What you're too busy. So what size Hartman. Are you all renting right now or home?

right now we are in life around of eight hundred square for their lives. Ok, family, five hundred dollars, ok, rent six hundred families, five internet square feet, the initial size home you guys we're thinking about was how big We could gather Hauser grab that it would probably be thirteen. Maybe, more than four hundred and thirty five thousand Bulgaria and he said well map around their price. But if you wait a little longer said get a little bigger when you say a little bigger to honey while bigger you thinking, oh around here, probably something like like it, all bedroom three back toward him announced that they gave me point. Eighty five gonna get back at you. One wonders how bad so. You think, therefore, bedroom three battle

about how much probably Consider to be one family to two hundred around that rain chatter, and you guys I'm babysit three be how much had you saved up we're home downpayment, thus far, right now we have thirty, five, thirty, five thousand yeah. You guys been intentional and so the double check in here to honey, because sometimes people amnesia? Okay? So don't think that I'm question you when I just going to ask just to double check you guys don't owe debt on anything. Do you so ok? So I like the idea, listen. I don't think that problem a problem, your little get round up. They don't like my voice or somehow no, but but here's the deal, I don't think there's a problem at all, for you renting, had taken a little bit longer to be able to save up to buffer and to boost that baby step. Three, be that's not a problem at all and the mindset, especially here's the pressure, your feel it you just had,

the baby two months ago, and so now you're. Of a family afford either to square feet. Now your family, a five and your start now mom start to think long term. So that The question is: is how long are you willing to wait and see I encourage you to honey reach out to one. A real estate neo, because when you buying the home, you don't want, make a home and emotional decision. No, no, no! No, don't get me wrong. There are positive emotions that come from buying the home, yes and the good things that can happen. But you don't want an emotional purchase. You wanna have your Business had on you, wanna make a business decision mean by that. Is you want to make a decision today that you will look back on it, years and say I'm glad I made that decision. I call that a hoping to your decision plant think and what it means is I raise out of. My situation is clearly today, but I look forward and I think what do I need to do to put myself in trajectory to my dreams and set myself up, and so that's what you guys

to do. Do you want to buy something smaller or wait and buy something a little bit bigger but I want to remind you: your mortgage pay me, should not be more than twenty? Five percent of your take on pay that's kind of a guide, because I've seen many people to honey, end up house, poor, meaning by a lotta house, but I can't do anything else, another frustrated and irritated. So I appreciate your call. That's That's really one! Those things really dig in and to think about. So thank you for that. I've got to go back to socialize good call, Emory on Twitter ass. I know you always say only refinance your mortgage to get a better right. Ever refinance to avoid p m. I on an F h alone: ok, well, Emory! Actually, I don't just say, refinance refinance to get a better rate. I will tell people that you can also refinanced to get a better term an overall, better long, so you're ask. Should you ever refinance to avoid p m I or at age, on an f a chill out. First and foremost, what we'd have to do is talk about. What is that

is p m. I, what is it private? Mortgage insurance is p m. I it's an insurance that doesn't tat she was a lender at all. It can do anything for you. You know it protects. It protects the bank in the mortgage company. So if you were to default, it protects them. Now. Here's the kicker about p m. I private mortgage insurance, a can add an extra hundred fifty two three hundred fifty dollars a month to your payment. So this is big deal could add up to be a lot of money. So if you can refinanced to drop p m, I you obviously save money and if you ve had this more longer than three years and you refinance right now, rates are dreamily low right now, I'm encouraging people reach out to you and you have a conversation find out if you refinance. We all oh come November, we ve got the election coming up, it's where people's haven't emotions and start acting weird right.

When the reality is. As we know, we don't believe in chicken little I've seen the movie people, okay, so the body It is the need to have a plan to be clear of mine and you stay focused. Why crush you're not This is the day rooms a job It's. Your cellular servers to beer, talk, USA and save money. Jasmine from main said, I heard about pure talk, USA from Dave Ramsay Peer Talk, USA is the best cell phone service. I have ever had folks all of pure talk. Usa plans include unlimited talk text and that and no contracts try risk freedom

call pound to fifty say the key words Dave Ramsay and receive fifty percent off your first month. That's pound to fifty key words Dave Ramsay You are listening to the beef. Ramsay show operates Hogan filling in this hour for days, and we ve heard about Why so far I know I have, but if europe- you ve got a question I want to hear from you. The number to call is eighty eight. Fifty 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 social media Ramsay show you can find us on all the social media platforms. You can also find me at. Logan, three sixty. If you want to send me a question as well, I want to tell you I have my show. The Chris Oaken Show where record based on my travel schedule. We are collar driven, show as well. You can find it on,

Itunes and all the places Google play where you find I just look up Chris woken so show, but we have fine on their, we I do a few segments. One called did you know why try to give you new information that maybe you knew? Maybe you didn't but stuff that will help you build well as we move forward in life and then also do us, a segment call panicked or pumped- and this is where people have reached Out to me and they're letting me no thither panicked about a certain situation or maybe they're pumped up about something, and they want to celebrate either way. We take that and we have an opportunity to be able to do that. But as well. So it's a lot of fun. You can check it out over on Youtube, just search for me. The christian show on their its. It is a blast, but another thing We do is also my vips. That's what I call my listeners because their very important people, but they they send me articles and they try to see. Things that either get me rolled up,

because they want to see my blood pressure go up a little bit or they sent an insulting. Where address I'm scared of people- and I want this article with you? This was one of the ones and my mother, my vip, sit in and the article is from Think adviser and it says the are the millennials top three financial goals and before I tell you about it, all, I'm gonna tell you some of the statistics. Eighty six millennials have financial goals. Eighty six percent of em- I love it. I think that's been task- here's the other side of it. Sixty percent of them have no emergency fund at all. Of any dollar about and sixty or sixty percent of them, don't have a retirement account, and so I looked at this hour. Well ok hold on. I love that they'd that they have an idea of what they want to do. But it's the plan is this is where the starts to fall off, but take a look. These are according to the survey, they did die as the

This millennials turned forty this year that sound right James. I may not. You'd think millennium. Why I'm thinkin younger than that? But anyway, it says The almost millennials turned forty this year. Many member The big generation are pursuing life milestones much different from their parents. That's true! According to the surveyed, the top goals for these millennials. Our number one was a debt repayment number two was travel number three. Increasing the amount they say for retirement, and so look at this, while hold on a second. We ve got young well that are now kind of tuning in and they got that was laid out right, they want to repay debt. They want to do something but they also want to increase them out their for retirement, but if we go back to the store from the front in this, my friends, we there. We got a problem. Eighty six percent of them have natural goals, sixty nine percent have no emergency VON whatsoever and sixty percent have no return account.

So what you have is you gotta go, but you don't have a plan and, as Zyto people for years a herd of ETA Millcote Savers years ago, a dream without a plan, got a wish and I love that we ve got people that are having the dreams of a goals. Don't get me wrong, but you need a plan to help you be able to get there. You can't blink like when I was growing up. I used to watch a so called. I dream a genie and I dated myself right there. You young people, know anything about that. There's no woman, she'd pop of about anyway? Listen, she would blink and things which has had The reality is, as in life doesn't happen. I can Blake till my hair starts to grow back, which has never. But it's not gonna happen. You gotta have a plane, you gotta do some stuff, and so I want to encourage you out there. If you I'm a little genetics gin, why traditional it doesn't matter you want to get. Into a plan that works, and I'm talking about one that change my. And that's financial peace university. You ve got an opportunity to change the game You really and truly do, and I won't

your dreams to become a reality. That's one of the things I talked about in my first book retire inspired then I want your dreams. I want you to see him and high definition like you would see him in a tv, but what we have to do is have the plan that so import so financial Peace University online membership. That gives you are, we opportunity to plug into information, not only to just real into it and use the planned. That's helped over six million people here. This ok helped over six million people get out a debt, build wealth and a beginning. Down the dreams unknown work for you? We just have to take that step, which is interesting again that was from think adviser and is talking about the millennials top three goals. It's interesting reed. I think the most important thing for us is to identify what what, but how do we get there? What's the plan and I think we can't waste time we're gonna be intentional. I gotta get back. The phone. I've got Stacy underlying out an Idaho Stacy. How are you

Good Harry, I'm focused not finish on lady. What's on your mind today, me and my husband were at the point where just ready to start building our wealth and which is trying to figure out what would be the best kind of investment to start. Whereby paid off were that free? We got forgot thirty, five percent, a verb, paycheck gone I one came about a separate rocker. I already already ready for in. What's the next move? Ok, so you said your house has paid off yeah. When you pay your house of placing a couple years, that's fantastic! What's your house worth right now, which is what would you say, Maybe like two fifty that's fantastic watch and you said you guys are saving for retirement. Hamlet. What's your household income,

at one time. Ok, your hundred ten thousand houses paid off no debt whatsoever. Are you guys working with an investment professional, Now, so how did you pick your for one key investments? Will my husband been listening to you Fairylike ever you mean, I think, he's not where I am not at all Dave is old hardliners. Young now can bring. And was now here's what already is it that's good? How old are you all, I'm thirty, seven in his forty three, that's amazing what How much would you say all told Stacy you all have saved up for retirement including house, and everything just in totally asylum with without either way. Like one point, one million look is ever make your everyday millionaire. Did you know that

my husband mentioned. Have you ever said? It, though,. Yeah. I know you have a leave so claims, I don't know where the sittings Firefox is not far fetched you added the stuff up Stacy. I want you to count to three. I want you to tell me Hogan, I'm an everyday millionaire go ahead. How the amendment everyday million- I say there is an accident like there s, not an accident, you know, that's called that's called you all being intentional and work. That you keep your eyes on the prize, and so I'm proud of you with what you have done, and I want you to be proud of you, that's nothing to be ashamed of, and I think the best thing you could do right now in this position causes as young as you are you're out of debt, your building wealth. I want you to do what's called start to look at building your bridge account.

This bridge account Stacy means that before you can touch money and for one case and for three bees you ve gotta, be fifty nine and a half. I want people, I've told people with my first book, retire inspired retirements, not an age. Number, and so I want you all to have some money to live on when you return prior to getting to that age saw. I will tell you what I'll do Kelly's get your information, I'm gonna, send you copy of my everyday millionaire book and what you ought to read about that the bridge accounts talked about in their because I think you all have an Judy. I dont think you need to invest anymore now. What you need to do a start to look. What else are we investing in? So it's not an addition, You guys are already doing the fifteen percent and you ve got money set aside, so you're you're you're rocket there. But now it's him. There are being intentional on the bridge account, but I need to tell you this Stacy. You also have to play defence. Five minutes a stupid on a car lot can cause you to go backwards. Five

This is going to look at about. Do you know what it is? Don't go, look at stuff, be careful! The intentional and pay cash- this is the neighboring Joe tell everyone you were listening to the Dave. Ramsey show. I am Chris Hogan filling in for Davis Hour and we had a blast if you're out here- and you got a question I want to hear from you recall- is eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five that's eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five

an opportunity to call them? Let us know What's on your mind here to help and that's that's the deal, that's what we are all about here at Ramsay solutions were very focused on giving people hope and given people guidance just want to make you aware, if you're out there and you go and Chris this information is helpful. We need to make sure were helping young people and I could agree with you more one is: we have what's called our foundations, curriculum witches its to help guide middle. Go and high school students and we also have a college curriculum. God young people on this or they can avoid some of those mistakes, and I think it's imperative for us to talk to these young people to be able to guide them and help them to avoid some of the things that we ve done. Past, and so we ve got a great opportunity. If you want more information about that, you go over to Dave, Ramsay, DOT, com and click on the foundations or its in our at solutions that,

but you ve got an opportunity to learn more, so we can empower young people, so they can make the right steps. Ok, let's go to the phones run by line three I've got David in Ohio David. How are you going, Sir, how many of our focus I finish my friend. What's on your mind so, wife and I are recently debt free within the past two months- green job voice uttered our merchants of thank you, sir. Yes, we have, we have fully funded, are emergency fund so that our own baby step three being and we want to pay a hundred percent down for a house we're not going back to that yeah. But how long should we allow ourselves to save up for the? How ok, while not yet contributing trip, percent to our retirement. Ok, good question David had tell me this: how much debt the jewel pay off, sir? We were fortunate. There are four hundred and three thousand and thirteen months goodness gracious. What kind of debt was that so ninety percent of that was still wonder, and then the remaining ten percent was both consumer and medical. That's amazed,

watch roles, household income David. We started out at sixty four now were uttered fifty four before bonuses, while ok, you are extremely intentional right now you ve gotta. Do you have a three or six month emergency fund? We have a six month yet a six month good and you guys workin stable jobs. Yes, are! Ok, that's good! You call me crests David, and so you look at this and how much do you all have saved for baby step? Three be so far so far we're gonna be taken to cover up, but if we were just to put that the money beyond that towards our house, I have about ten thousand saved up. Ok about ten thousand, and how much do you think you are looking to spend on a home? I think our first home will probably spent around you twenty five. Ok, so you look at that. So as to twenty five, you want to do a hundred percent down on a home

and so happy is, do you have any children is just the two of you just the two of us: ok, well, you're wanting to do a hundred percent down right as oh, ok, so this a little bit different, so baby step three b is typically where people are leaving for a home, downpayment, okay, so that's minimum ten percent. I love people to do twenty percent because they avoid p m. I private mortgage insurance, but what you are trying to do here Percent down this is really sitting down. Looking at the budget going. Ok what how long, that take us right. If that were the only thing, we were doing. Ok and I just minds and lies- you sound like you caught some numbers right. Ok, I can tell yes and until it so if you were to just focus on that- and I would ask you David just go out on a limb, how long do you think it would take you guys to save save up to twenty five thousand.

If we're super focused like we, then? I bet she replied. Take us about two and a half year. That's what I was at exactly where I was landing, and so now you know you guys have to Cotta be mindful of uncanny keeper handled a pulse is will be like driving a manual a stick shift car. You got to learn how to the rpms to get them up to be able to shift and there's a time to downshift, as I like that you guys were talking about taking a little bit of a trip to be able to breathe, and so it's that mindset of thinking, okay, that's two and a half years. And a jewels that, at your stage where you are right now, you ve put yourself ahead of the game being very intentional, financially, so I'd two and a half years, you guys could do that now. You could also save up

two thousand and decide. Ok or your wife says you know what it's time we need to get in a house, and if you do that, I would just say you know you would only go only go a fifteen year, fixed rate mortgage and then of course, you you are going to attack at you all both well and get it out of your life as soon as possible. So I'm proud Of what you all have done, I'm proud of your focus and your intention reality that is amazing and again paying off a hundred and three thousand dollars in debt and thirteen months major not mess around, and so I appreciate you, congratulations thank you for your call. Next up, I'm gonNa Amy online for Amy. How are you can focus in trying to get punished? Ireland? I like that. What are you doing so my husband and I ve done fairly well. We ve been working day, move Ramses Plan per GOSH ten years now good. We We are basically three years away from paying off the house. We

I've been investing in our retirement, the full time we heard that free, except for the house, good eighty step sex We are three years away. I can see the finish line and I just want to get there. We have the added hiccup over putting to construction. Education, and we are almost two years away from high school. When we get the high school education costs are gonna, go up and christian education are choice. Shoes that we're not changing, argue that to it's gonna make it's gonna get tighter. We I'm trying to figure out. Can we pay the house ass before she could be school in high school? Should we pause on retirement to throw the money at the house and have paid off in eighteen months?

there was may take a deep breath aiming Algeria. How much do you own his own forty, seven thousand, forty seven thousand, which rolls household income one time? How much are you all have approximately saved in retirement the two of you together, five hundred having a thousand gay and which are ages? Forty one, forty three forty forty three, you know on anything else. How much is and how much is this private education Goslin work currently spending Twenty thousand a year and voting on the two together Hooker go to twenty five and then thirty, respectively, when their balkan Highschool. Did you look like you're half a college

do what this is really a quarter of wonders of that I mean us a lot about when I went through the thin school I came out of high school with twenty three college credit go as some of you I leave the damage lesson about and we believe that protests in you, you and your husband. Unison on this great? What else I want you guys get in unison on find an extra money to come in to attack and pay off this house in unison, no, no kind of like it don't know. There's no reason to and- and I get it and- and I know you know initially- you guys are you guys are- are focused. You not finish your focus, though you ve been very, very focused and you got the beauty of compound interest happening. You guys are digging in your look at this you're thinking things through you

planners right now. Your mortgage payment is how much on the home actual painting in sport fifty a month and were making sixteen hundred a month sentence of extra money toward the house. I think you guys in looking at this again. It's it's it's an option Ok, we'll call it that I'm not gonna call a viable option or good option? Would you call it an option to to look at that pausing to return? I liked that option. So I would you gotta, go back to the drawing board and start to look at this NGO. What else? What's another option you know, the set dollar amounts that you're looking at. You know that you're staring at forty seven and left on this home, which is a massive deal for you to be able to attack it and pay it off and get it out of your life, which is awesome and what you got to be able to do that. But I, like you, putting money away consistently.

Retirement. Why cause it assures. You guys are never gonna, be a burden to your children and that's a big deal. You're staying focused not finish. I appreciate the call what the keep driven it will listen. I want to thank all the colleagues for taking the time to call, and I want to thank all of you. For turning it. I want to thank James, our producer associate producer Kelly, Daniel and our audio engineer Bobby Robertson. Unless and until next time, I want you to stay clear of new goals and know exactly what it is your Jake's about, because Europe this matter. This has been grants

producer of the Dave Ramsey Show. Once again, you made the Dave Ramsey show one of the top five most downloaded podcast last year to get your daily dose of motivation and inspiration subscribe day looking for fun and practical 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 rights of creators, and I'm so excited to tell you about. My party has a lot of you, darling, paychecks paycheck their end ass. You don't even know where to begin that they have this need. This wants to get control of them and his match. You, you have come to the right starts, so each episode, jeering at a time of inspiration and practical advice, not subscribe to the rates of crucial podcast, makes region. Today, there are more from the Ramsay network, including the Rachel Crucial, wherever you listened upon, gush, hey, it's just

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