For the headquarters of Ramsay solutions. Broadcasting from the dollar carbon to studio, received today rapidly show where America hangs out to have a conversation about your life and your money. My neighbors, Anthony O Neill, hosted the papa you to show the table with AOL and CO host and with me, is the number one career expert in Amerika, the one and only Can't comment house of the cane common show: you can catch him. Andy through Friday every single day, you tube everything. It is see serious Ex M Monday to Friday an pie cast

whoever you are internationally, that's right, and nearly sixty nations, now closing in on sixty stations on your talk, radio dial, so that young man will try to be everywhere. People Oriana cannot create a lot of people need some help. People is that people are sick and tired of sheep, on Monday morning being missed before they even get out of the car, so we're taking your your purpose, whole career calls today. If you want to work on purpose and live on purpose you're, not doing our love, you, don't. You know what you wanna do. Call us if you know what you want to do, but not sure how to get there call us. If you know what you want to do, you know how to get there, but you scared call us we're here for your we're. Taking your money questions your career, Your job was equally, you know this is ale. I'm too the day, Ramsay crowd. You know what my role is in range solutions which are a big shovel guy. You

what more money to get out a debt of the king com it show is getting emails and calls and social media post everyday kid. I do what you told me to do. I got a better job well on the way the dream job a make more money, so you want to get out of debt. big shovel guy, like that, you feel we are light that analogy that that is the true to the day, Ramsay audience here. You can't help you make good money doing what you're good at what you'll love. Where you get your doing so he gave us a cultural, eight, eight to five five, two to five if you want to learn how to get your shovel bigger, give us a collar. King. make a walkie due to process if you're shovels at a good sized, you learn how to use that shovel give I can help you out with that. I eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five Andy is in day in Ohio good afternoon Rhonda. How came can- and I hope I have no problem at all. How can we help

A year ago I was diagnosed with a brain tumor. He is in the nation by My question is stopped. he stood which is the fact that we have started, carry our houses. And I'm wanting to know if that is the right thing to do before I answer tat question curious to know. Why did you made that decision? Well, just just the diagnosis. You know having paid off alone. If something happened, Peter would be forget now happen to him what she stood alone, balance right now, fifty fifty thousand

How much you on the home hundred? How much is it worth fifty? How much are you putting on the home every month, extra outside of your expenses, how much you putting into the homeland between seventy seven A hundred thousand thousand now. How was your mortgage payment this was lower than it is. Fifty eight hundred What's your combined income will be there fantastic, the ok, oh, you can take this from your seven. Eight thousand is what they're, putting a ha ha ha ha most, I'm curious Rhonda. How long have you been doing is you just paid off and leave them

I say that, for me, ok So what I want you to do, and let me say this: I understand why I understand your- why I really do go on. I want you to feel as if you know we're being hard on you. I love you too, have you home mortgage, but if you would have spent the last five months doing the same thing towards at fifty thousand Sid allows you'll be dead, free, excluding a mortgage. I'm curious, you all make good money. How much money do you haven't? You say Miss account right now and how much is up on it are you to twenty? Two thousand, you know more than you listen, listen, sheer your seven and a half months away if you pay and if you pay. Eight thousand month you should seventy eight. If your pain eight thousand a month, then than your six

half months away from paying off the student loans and you're still in Russia good shape on the home and because of the fact that the homes worth two fifty and You ve only got a hundred left honoured if something were to happen with your husband and things seem to be great you're. Just great shape so get back to the loan pay the loan off then tackle the house. You guys phenomenal shapes it's not like you, ve done anything again. Judging what you ve done, but you you don't need to do this, get rid of that loan, get it out of your life. You're gonna be done with it so quickly in your already in good shape on Algeria and run a memo. Quick question for I agree with, can but one more quick question to kind of put the icing on that or it may deviates of things are there. any potential medical things that may come up in the next few months, probably the next twelve months that you may have to put some cash towards a with your husband, I want to see blown off to be held

May I remind you, do have to take insurance cover. He heard we paid three hundred conquered so hesitant Ronnie Inoculate Mazur in but Don T right now, if you do this, this time next year. You will be where you want to be guy, I'm good at it. twenty two thousand dollars, and here's the thing I'm gonna pay, I'm a mandate that I might take twenty thousand of that. I believe two thousand hours in there, so that we can have some little bit a cushion for the medical staff can coming up you say you may have a guy. We teach a thousand thousand urgency fine, but I'm cool two thousand in there just put a small things that may come up alone away, but I'm taken it two thousand and I'm not attack there the thousand their brains it down to thirty thousand and then in few months, I'm putting an extra seven towards my student loans,

paying the mortgage bare minimum whatever that more use payment is in them by this by February of next year. You can get back to building your six months back up, K, dash Take you anywhere from two months to three months by some next year, you're bad to attacking your your mortgage and within a year and had paid off but DAS. What I would do right now have debt cushions had by this time next year your one hundred percent debt, free student loans and mortgage and you have six months sitting in they count. That's a beautiful, beautiful feeling, but thank you so much for quality and we are praying for you, your husband. I believe that the guy can shift some things and so continue being that Stuart pay off you dead, end

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America. Thank you for listening to say today we have to show where can culminate myself Anthony hope. You are sitting here, taking your phone close around life around buddy around careers. If you Why, too, like call me said earlier: get a bigger shovel give us a cop. Allow me to walk to the process you and how to do that, incidents where we can help you become successful, triple eight eight to five five to two We have one line. Edges just open up. Kelly is standing by an does. She may or may not get you a S, Kelly's phone wages answer whatever she said and so she sent as Hannah from my Lake City to do it had a. How can I can? I hope I think you someone we're taking my car fell

My husband- and I just finished that our baby steps When someone on Baby Suggs three, The main question is my husband: had opportunity to stay out work full time, and his college pay for an for you, just continue going to school part time anyway, he come I'll bet From the Finnish, obviously all he can go, part two now work and we can't cash flow. schooling and he can get his passwords done after about budget, I suggest we do, interesting, so you guys have already thought to shout and played this out financially correct that yeah. Well, we could afford for him to go part time and still can slow his glove,

when he would get his bachelor factor was first now I get so, let's for in order for me to give you an opinion and on that I give you my opinion until I hear you guys are leaning towards cause. I don't ever want to influence a collar in a situation, but my question is fast forward. to the end of the bachelor, whether he does it part time or full time? What's his next move? to go in for thought he would that was an accounting and he would want to move on to graduate school. Again a masters, and then had to what what's you're, whereas the destination, if he's gonna, grad school, why wise you gonna, gradual, oh God, he had won? I go and get his masters, though, that you could eventually just gonna masters and accounting, pretty much what you need. These GPA. Ok, are

the goal is to be a sepia yeah and work for himself forward for somebody else. For somebody out, maybe eventually work for himself. Ok, I'm not something was differ, focus Do not get it, but We think it about what's the best path to the destination, and that's where I'm before I give you an answer, what you should do, I want to know where we're trying to go because there's always a choice on the path. Sometimes the path or equal. Sometimes they are not. what, how are you gonna pay for the masters degree. We always say that money in cash flow. Ok, so he would go back to work where he is go back to full time increase. Pay save up and casual the masters. Why? What's last question and I'll tell you, and I want to know what you guys were leaning towards it, I'll tell you what I think. I owe you way in on this house, faster. Will he get done with the undergrad? If he goes

our time to work, they must pay and he could be done in a few years here. They fought her. Working just at tat time. It was taken closer than four years. Ok are What are you guys, leaning towards for you called in to get our vice? What were you leaning towards. Will you leaning towards him going part, cannot work and with China Knockout School? That's what I think that the only reason I think that is because you guys have already done the work of sitting down and and and putting a budget together. That includes a financial sacrifice. Cause he's gonna, make less money significantly less, but you You guys have figured out a plan for that and I say congratulations that that is phenomenal, planning and because as can absorb it, and you can make the sacrifice yeah, I like because it gets you closer. The dream and significantly closer two years is a big difference. It then it goes back to work, and

Cash for the masses agree. The only challenge you in your when they talk about, is how does become a cpa without the masters degree to challenge you guys. Do your research on that, because you essentially admitted it's not you. Don't to have at its highly encourage- and I think probably helpful- and I dont disagree, but I just think when you talk about that kind of money in that kind of time. Why would exhaust all research to see. If I want become a c p and I will to do without a masters degree? How would one get there? That's my homework assignment for you. I, like that, no one of the key things that I tell anyone before you. school sit down due to research and play an ethic. Exactly what she did that were heard husbanded and our pre- shit you for challenging them to sit back and say you know I do I His masters degree. You know, because we That was the return on investment here you know. Can I

take me? Maybe instead if I had my masters degree, maybe I can get their within two years, but if I dont have a masters degree, will they take me three and a half years? And if get there than three and a half to four years. I'm fine going without a masters degree, not physical. Take me ten years compared to two years What do the math to see how I can get there, but the key thing America's when it goes when it comes to going to college, you have to step back. And do the research and plan right, down all of your options. Look at all of your options. Talk about it, some accountability partners called Anti Kinkel Michaud call into today ran show called to the the AOL to call it gives get some advice, so we can help you walk into the two a quick questions you ve heard me talk about. You have talked about it. A lot together, we sit next to each other. Every day is, is the the ultimate litmus test folks of of asking yourself

Do I move forward on a degree whether undergrad or grad degree is? Is it the only way? Is it the We pass up the mountain, or is it the best way. It is the best way. Great, if it's the only way of you gotta go that way, but if it's not, you can become a sepia another way and by the way, when they do the research, are they going to see that there are some options there? Yes, but That's how you really set things straight for yourself to go ways I get. Is there so much public pressure? Eo? You know this. It is a cultural pressure. It says in order for me to advance The latter I'm gonna need more by degrees and all these letters behind me. Well, that is true in certain career fields. Yes, but it is also false? Yes, come in many courier fields and we ve got to have the courage to your stand that.

higher education, some history in this country. Your item, Rachel I preach it'll, be I here we go up and give your history lesson of higher education and in two minutes in the fifties and Sixtys, state started, realizing that, if, if they could tell that we had a university in Aceh area, daddy, bring in research dollars, because the federal government was giving universities and colleges federal money to do scientific research that would help either when the cold war are win, the space war at all as Canada and so are the fine medical? inventions or new medicines and cures also, and so these. Late, starting realising wait. A second we in jobs with all this federal money and we will or jobs? What happens bigger tax base a moment and governors can get reelected say. Look I brought all these jobs, so there came this partnership between higher

education and the government to market The best way to succeed is higher education, and so it became a cultural message. Just like milk does a body good or any

kind of message it you seen out there and it was a marketing message. We all bought it. We said oh gosh, if we're going to be successful, we gotta go to college and ever posters in american classrooms. It showed a college, grad smiling at work, smart and it should do in overalls and original the shoulder. Frowning joint, don't work hard, and we bought this message. What I'm telling you is, it was a marketing message and its less and less true in twenty Twond, it sure is, as a matter of fact, we come back a break keenest fight about this message. I am too, and I want to read this article about what parent plus slopes are doing to parents and how is destroying their financial future. So, yes, they too, because right now, I'm upset kids up said we can talk about it. We combat this is today range

saw. A recent article was released, ABC new versus parent plus laws are literally destroying families. Finance. future with college them. I want to is a piece of this, because when I was reading this as it to produce a James child and a total us a hey man, I want to talk about this. Could this frustrating with you and I want to show today. I think we can really help people Article Risa J Rife was sitting in his pickup truck on the outskirts of LAS Vegas. When he answered a phone call would permanently alter his life. A man from the federal government, it was on the line and told him at the loan. He had taken out so his son and daughter, could go to school, go to college had come, do them Fifthly, payment America was:

twelve hundred dollars rife said. I thought was going to pass out? Who was only making thirteen dollars an hour as a maintenance worker, a hung up the phone just kind of sat there for an hour trying to figure out what was I going to do? He didn't his wife Tina, hoping to protect her from the possibility of being applied? did to poverty, but it was a secret he could keep. I think we ve set in cried for a while over it said Jane now, sixty four years Old the couple originally forty thousand hours ago has no bowed and at last eighteen years with interest rates as high is eight point: five percent. their bill now, stares at more than a hundred thousand dollars, they couldn't afford it. They negotiated about the federal government to get it

two. Seven hundred and thirty three dollars a month steal that payment is. More than a mortgage and it doesn't cover the trip so. The amount owed has continued to grow and bothers me man, as I was reading this kid. there's a lot of things in his article that which is very very frustrating to me, but here's That really really bothers me check this out of part of what pushes up those number are the governments interest rates which are higher than private banks average more than several prince sit, seven percent over the past decade over seven On top of that, on top of the seven America, the government charges Here is an additional fee of more than or percent the total loan and the terms, relatively unforgiving. The government makes money off of parent plus loves. According to the Congress.

But course I this are you ready for this than two thousand families who made less than four? a thousand dollars here. Listen to this folks. They took out parent plus loan in two thousand. Sixteen. This was in increase of thirty three percent from two thousand and eight so we're talking about eight years. eighty three percent more took these loans, and these are folks that are making less than four thousand algae, and this speaks to what I was saying in the last second: if you missed it, there is a marketing masaccio debt that his has a combined effort between state and federal guy, yes pushing this message that higher education is the Wait a success. It is the to the american dream, and that is not the case. Is it a way sure v way. No, it's not the way

I will tell you what is derived during the corona virus pandemic is the trades moment and by the way? What are you talking about? plumbers and electricians and welders carpenters as individuals we're talking about businesses in the trade that employ people, and it is the small business man, and Yes, the small businesses in the trade, a that drive our economy and again I mention this. My good friend my grow from dirty jobs. I've interviewed him several times, he's the one that showed me the poster when he was actually in high school in the seventies. A poster was up in the guidance kellers Office, where it showed too men in the poster on one size, splits gonna one side, what a man in a young man in a graduation, gown and a yet all the hat and he's got

the Pullman his arm and he smiling as though the world is at his feet beneath him. It said work smart guy on the other side of the poster, is a man in overalls dirt on his face and on his cover, all in a big job Rich over his shoulder, and he looks as though the world has beaten him down. I don't need them. It said no work, hard work, smart, not work hard, and this is are any message that begin to take over and so was here's what parents do when they see that I'm not. parent, if Johnny or Susie doesn't gotta colleges we are less than if we go to the neighbourhood Block Party or the picnic or the cocktail party may say,

Junior, do it and you go well juniors study to be a welder and the trades go you're supposed to be ashamed. That no became a message that well juniors at the state College, studying to become successful when June, was probably partying study and now, when COL education became. The way that states get we'll funding and more jobs and endowments became in the billions of dollars and high education became big business now embarrassed up on all kinds of toes. Then the cost education went up thus the price of student loans were in the sense that the government went. Oh, we can make money on both ends of this deal. Yes, and so now Gunnar put out loans for parents and big it comes as you, too can have the american dream. If you borrow this money from us and pay us back,

then we see how out of control it's gotten. You know the numbers better than I do and now we're saying: well, we're gonna, forgive these loans, because it's the right thing to do, except that they People have paid were his there. Access for those loans, so we got ourselves a big giant. Cultural lie that we need to deal with college is the only way to success. That's just a big bunch. A crap I mean what we're seeing right now, we're not saying that college doesn't help. He becomes as for no, but if you do it the wrong way: dream now becomes a nightmare, but if you do it you don't need it. What are we doing? Oh it's! Really. for junior to go. Sperience live yes on campus and meet people. party. No, your kid does it needed agree if it's not the only way or the better way. Why are you sending your kid college? I will tell you some right now. I think it's nonsensical. That's what,

think it's not a right of passage? Its cultural thing, it's a right. It's a status is what it is. It's like our kid went to cause big freaking deal if call me, kids comes a means. His dad, I know of the path is and colleges in it. I'm going to check out the path we're gonna talk through it. Would it make sure it's in their sweet spot normally go go baby girl, because, while your friends or party in the roman noodles rack up dead, you can money in your way ahead. Folks, we gotta wake up means, is we got families that are crippled? Cripple crippled financially because is cultural garbage. This family are now sixty six three years old. The mother is six three as well. We know who, in his article there saying we are disabled can no longer work. Do not have helped assurance because we just have to make these long payment

and to me that is so frustrating, and that is why I love what you're doing teach people, how to find their sweet spot, the sea was the best route to get to that sweet spot. You wrote a number one best selling book that every parent who sit undergone. Ok can maybe I'll be open to this, but I really think my kidneys, you go to school. What would you by then he's booked at Freed Antonio, that com they have Ramsay dot com, because he actually shows you how your kid can go to school if they need the degree and not be overwhelmed and hears it ain't that that when I was reading this whole article, which was a little frustrating par for me, was it was this as I hate they went to They school. Well. Ok,

couldn't afford it with ease should went to community college their options to where you can be successful in not rack up debt when it comes nobody hairs where you're degrees when's. The last time you were the doktor and before he saw you said, I'm sorry, could you please show me your diploma place? Nobody knows this is what you get when you come to today rapidly, so especially guy can't comment in Anthony alone will be right,

they call me. My name is Anthony O Neill Ramsay personalities here today ran to show where we would love to talk to you about your life. Lenny careers relationships. Give us a cot, AAA eight to five five two to five and will have a conversation with. You would help you out with your journey and in his with us, in Phoenix Arizona good afternoon Brandon. How can can- and I hope I think he has taken up all so I will two cottages run by my current situation, with your nature in yet on twenty one, I'm on babies. That too, I have about three thousand. Am I called note and just about this blame on my student- knows ah an issue with. Spending money on buying stuff I dont need. I convince most.

like from I wanted to. I need it and I need it now, and so I did the bill all end with this programme- and I basically just one of the island, on a day like don't wanna, go back game. So how do I had life fight that urgent not go back in the day after paying off by my lungs good question? How much money do you make right now year, Brandon. About thirty, two thirty, four thirty thousand obtaining online overtime and suchlike that car you living at home, which parents who have in place with my grandfather, richer grandfather, so your question today is How do I hold me

self accountable to the plan and do not over spend money but take control of our financial future right right can my answers very quick yo. I want her. What was your my answer? You? just do it. I really think there's motivation is, is a choice, no bread, it, I think, Keith image you have to tell yourself is: do it? I'm not gonna. Do this, I'm not gonna. Go here, I'm not going to purchase this I'm we need to do it because your six thousand dollars in dead, you may thirty, four thousand dollars a year you staying at home, but your grandparents I am assuming that you not paying them any re incorrect. Now I do feel my part of the deal like the gas, your leisure to stuff, like that says about a hundred. Fifty thousand correct about you Alex one, fifty one, seventy five, how much you have you save his account?

My stadiums is about eleven hundred. I got about nine hundred checking. So here's what you gonna do you get? tat. You gotta check your dad. Six gay living at home only pain a hundred fifty dollars a month on just to go towards. Built you should be added that within the next two and a half months by January fifteenth you should be one two percent debt free in space, when it comes to young people try to be very careful with what I say with my words, because our we're being your age and tell them myself. I can't do this. I can't I have a problem with this. If I know I have a problem which I would manual on acknowledging they have a problem, technology. You can change it and so for me, I'm going to say about this. You know the plan. You know how to work to plant. Just do it Look if you look yourself in a mirror in saying I have this problem, but today it its end. Tomorrow, I'm going to become a new man.

I'm gonna, take control of my finances in my future. Vibration would go you ready yet problem is you ve been spending to feel good. Instead of acting to be good, you're all about the feeling when you spend like this to try to psychoanalyze you, you can tell if I'm wrong by the way. Right now, I have no problem in many than I'm wrong. Third largest radio show in the world, but guess. I'm right that when you're spending like this in someone who says I'm having a hard time, because I buy things that I really dont need we're trying to fill some type of a whole with their purchase and really comes down to whatever the reason for the whole is, would try to make ourselves feel good, and I think that you got acknowledged that maybe even get some help on that it may be not, deep of an issue. It may just be where your focuses. That's why I started with focusing on feeling good versus focusing on being good and why I want you to do is think of that desire future. What's that dream? Five ten

fifteen years from now? Where do you want to be? What's the big picture? What's the story, you want people to tell about your life and every time you make a bone headed purchase. You are pressing paws on that desire future. Do you understand what I'm saying? Yes, am I right or am I wrong about your feeling, trying to feel good with these purchases. now you're you're completely ray. I didn't have much anything grown up so now what are unable to get stuff? I should like to have it now: I'm not gonna have only I'm. So let me talk to you. Let me talk to you here. What's goin on, you come from a very tough background. You didn't have much analogy out on your own. You trying to prove to yourself that you're, not your parents, him, I really step on the nerve, Rhino yet come on man, Australia, you're trying to, create a your ear. You are dealing with a false narrative. Saying that Brandon is who

parents were so trying to prove yourself in Nobody else. You're, not who your parents were, that you have something that you are some body and I tell you, my friend you are somebody regard of how many things you have and how many zeros you have in your bank account. Do you hear me so you need to shift the focus to what your desire future is and how to finances. allow you to make that future happen. If you change your focus to the story that you are telling with your life and trying to show everybody that you're, not who your mom and dad are or were that you're gonna see behavior change. That would be my take argument here. The into Brandon, is you know you not probably corrupt around the same type of family growing up when it he Keith

said I've learned is I had a lot growing up from my parents? I didn't. I didn't have a lot of practical things. Were Paris taught me a lot we are keeping that made me spend like you when I was your age, wasn't in half what, because of what I was seeing around me, and so I think I will even suggest you do, is on top of the change on top of changing. Oh narrative, may For a wow watch what you're, putting it side of your eyes. You know, watch what you single social media watch, what you hearing and amused, like change,. You are exposing yourself too, because whatever expose yourself to then you want Become that you really get comfortable with your own life with you are in life, what you can do in life because I think, sometimes it's not about really just our paths that plays a huge role, but sometimes about what we see. You're right, other p

do come on, let's especially with with with young people. That's really really good, yes in a man to Marlborough right here on this, and I will add some too, that is I'm sick and tired, and I could throw out now What then I'd, then, then I have to talk name's Kelly about it, and then I know whatever There are a lot of social media enforcers that are in the personal development space that wearin yet, and I look at Mr Graham posts in their cell on a lie. Their helping, create the crap. The brain is deal with toiling avoid. You know why they want successes. It must be an in depth and have three or real estate properties. Successes have in all these bullying man so as to have all the stuff and their creating this Harrison cancer for people and social media is Rushing people,

actual dreams, because there too busy looking at what everybody else as a success and they're not paying attention to what their definition of successes you gotta watch it ales right, you gotta, stop! Hang it analgesic Grandma Council, all these people lying to you with their flashy life, I'm attach some therein absolute mess and their profiting off of. Paris at all, I'm fired and here's the thing. I know exactly what you're talking about American Nosey really say this one do today Eve Davis here he was safe. He knows Deva. He calls David David and David such gentlemen. Yes, he will play the game, but I'll tell you right now, there's a due to tell people that day was wrong and that you need all the debt you can possibly stack up so lavish like no don't say it until when I save Solana Safe, because I'm uh he's wrong. That's all I'm saying is absolutely wrong. Unease profiteering off of

comparison game which is dangerous. There is us all man come if James Linda shook his head. I would say that what we want, we don't need to this ain't my show but come over, and I shall tell you who witty busy day ranches. This is James Childs producer of the Dave Rams show on your smart speaker. You can add our skill by saying Alexa open the Ramsay networked skill from there. You can listen to all our shows ass state money. Questions like I do. I invests my money or what is the debt snowball find out? More Dave, Ramsay dot com they

you're in a rut 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, the live, pale and cresty right. You know it so easy to feel stuck. You'll have life just going through the motions, doing dishes, doing laundry Harpole 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, so each episode will help you to build confidence in yourself and the guy that created dear more from the Rams network, including looked Christie Righteous ever you listened, applaud catch its James producer of the Dave Ramsay Show. This episode is over but check the episode notes for links to products and services you ve heard about during this episode.