What is of Ramsay Solutions broadcasting from our car rental studios, its Thou Ramsay Show where matters DOM casual gaming and paid off home mortgage taken. The place of the Bmw is thus not us under Ramsay. Your host can common Ramsay personality is my co host. Today we answer your questions about your life and your mind is the host of the King Coleman Show, but just now on over seventy five radio stations, a very Popular serious Ex M show as well as podcast, and you too, star to show. Where are you tubes?

Thank you. I wish my kids don't think so day was you? Could you write a note to the kids quick, get a laser and have a cat tracer? What are you so? But as we know we're all over the place, and can it shall be war, their careers find their purpose find a job. Fine work matters get in the song get in there, it's that and man you can check and where they met again common show or can cause. dot com where we need to the day you can call if you got career questions and life questions phone numbers triple eight, eight to five five, two to five question is in New York City. I just How are you I'm doing well how you doing better than I deserve. What's up, no listen instead, I just want to say thank you for taking my colleague EVA, thank you for doing what you do, helping us normal folk out there. Thank you,

So I'm migration by retirements, I'm a single number c. I've been freelancer every ever since I finished grad school. So you know I got to direct my own finances and you know it's. It's really hard. It's really difficult to spur to give them. Some days. I have about two hundred k in Iraq and fire set IRA combined good, get about huh yeah. I got a better in about a hundred and fifty carrying cash. I've never been stuck in my time. In the last couple years, I've been lucky and blessed to have been making money only the last couple years, maybe traveller five years or stolen and mapping out every year, China, China get up there? So, basically, micro soul and avoid the adage actively managed accounts, never beat the market in the long run up along the way, and so my question is: is one retire and find that I missed out on an opportunity? Came three hundred cave whatever?

cause. I had the money in the run type of account like the too much fees are or that sort of thing completely some my accounts to do about it. My accountant started my retirements way back in the day and when putting in little little money and now that my balances are caught up a little bit, my bank account and they want you don't like my retirement accounts in on my account over the Bam saying you know, get better mates in and all that stuff in, and I just don't know what to do now: good good you're doing great congratulations, so he s The interesting number as waves he'd millionaires, the. Actuarial account society, which is a society of nerves, then a study that should seventy eight percent of the reason that people become wealthy is that they act

we invest, meaning just do it. what it when I'm too was a small a portion of the reason for their success. We are want a magic peel. If we can find the magic peer, we put it in there now you're asking wise question, but I'm Explain to you that, with all these letters and licences, after my name and having invested for decades and decades in decades, the five percent of Well, nobody on the number, cause of wealth? Is you actually save money, but people forget that part. So a lot of people out there with theories you don't actually freaking do it. They get paralysis of the analysis, so you ve already beat that one, That's stabbing one! Then, I am investing. As I joined the same club that you joined, I actually do it scotch it. It's not their radical, it's not a concept, that's a vague in a vacuum for some discussion.

Debate on line somewhere, I'm just actually putting money in a real mutual fun and I'm actually doing it every freaking month for decades. This is the formula The number one indicator. Ok, What you're doing and you are, then we are The questions like you ask at that point, eighty five percent. Or so be percent or so way I select a mutual fund is its track record. On return. How much money is it made over the past ten years, twenty years average annual return, its fairly easy to pick up. You can find it in thirty or forty five seconds on their website of that mutual fun should be in your ass, she peas and in your Irish and that mutual fun? sixty something persona. Mutual funds do not out perform the market, but that mean,

like there's a sixty percent chance of rain majors forty percent chance of sunshine, occasionally forty percent of funds are due outperformed market. really doesn't take a rocket scientist to find a group of me. More funds that out perform the market, and so wanna tune it up just a little bit. The way you turn it up. Is? U fine. You know some mutual funds that about perform the indexes of the categories that therein mean if you're in a growth in income or growth on needs to outperform initially be five hundred right? If, non aggression but needs to perform the Russell. And so on what are really indexes or the area Urien. What an end. So you and I'll perform the index of what your aunt an ip those mutual funds with my smart vesture pro, which is my investment advisers that we recommend And I should like those bay on their rate of return in history. Now that, investment industry, because they ve lied so much over the years and done things. The regulations are kind of stupid and they say

like you, know, asked past history is not indicative of future results portions not, but it is your only indicator. there's no way to select future results, except based on past its logical forecasting. Megan accounting for a thousand years, as use pass track record as your future future indicator, and so are you if Tom Brady wins X, number football games of future indicator is gonna win a football game right, and so I ve, never wore football game is life. It's a future indicator is not going to football game shop course. Past performance indicates future result, but you can't Don T it gives, you might have a good day or bad day are over George Mitchell funds assigned white stuff anyway, I'm picking based on rate of return, tiny, tiny little portion of my investment time once every two or three years. I worry about fees.

But these are not the problem not doing it at all. Yet being investing. and not selecting mutual funds that have out perform the market indexes. That's your two big things: fees. You might be offered them to your life, a hundred thousand here or there, but you're going if a lot more than that with the other two things if you know focus on those, so I dont Spinal Adam. I spend most of my time looking at rates of return on the historic made up all the rage on mutual, far much more Russia programmes? Ok, your three or four international fund. You could put money on like this one and on and on and why you like that, ok war, tell me teach me teach me teach me teach me, teach me and do not want your investments at a bank

and you don't want your muffler fixed at the transmission store thanks circuit, investing. They need a good investment adviser in your corner. You want some help with that click. Smart vesture, Pro Dave, Ramsay DOT, com new homebuyers call Churchill mortgage to save you qualify for the rate secured programme which protect you from fluctuating rates, while you shop for a new home before H, drop you'll, get the new lower rate visit Churchill, mortgage dot com or call triple eight alone. Two hundred this is a paint advertisement, animal s idea, one five, nine one: animal s: consumer access, dot, Org, equal housing, lender seventeen, forty nine Mallory Lane Sweet one hundred, Brentwood Tennessee. Three, seven zero to seven programmes are for Select Loon types only and are not available in all states locations.

get common Ramsay personality is my co host today open foliage, a triple eight eight to five five, two to five, our famous ten dollar sale is back now you can learn how to make faster and real progress with your money or your life. When you check out the We stand up for sale to save up two percent on over forty of our best selling books, including cans book, the proxy but a principle which was a number one best seller and help you with your whole job search process, career Reality, the total money make over number one best seller for than on the the seller list for over one thousand weeks, that's kind of wild total money make over and continues to be on the best shutterless. While thank you gas, we appreciate you by the way

all of this ten dollars, each the online store, Ramsay solutions, and that's not all we gotta give for you. You can enter to win over. The ram should give away were given way five dollars every week in cash and a grand process five thousand dollars cash entered daily for extra. chances to win no purchases necessary, gotta, be eighteen or older to win text. The word cash to three three: seven: eight nine to enter our give away Kay two thirty, three, seven, eighty nine Erin is whether some Dallas Texas higher, and how are you I'm doing my guys like you for me on the shelf. Absolutely. How can we help? While I think I couldn't take a better data calls exposed to view all gone, though my question is multi faceted thought gift to the point. My wife is about to be sitting on quite a large sum of money. So I'm wondering why Should we be looking into specifically? It uses

the in order to continue to allow the money to grow black. Our kids are granted. We already have a team of investor, an account. our sides that what specifically, should we be lucky? learning about two. We are also trusted in using some of that money to the passion project? Where do we start when it comes to thinking of that and see if I'm being transparent, unrest with a little bit emotional stop as far as being the law and wanted to meet our household well, without feeling like a controlling it locked so, the Mai. Those are my thoughts in question. In law, worship this money from long story? Short her mother passed away two years ago and she was given a percentage of a business ineptness just recently sold ok, so your wife from an inheritance is getting how much money

we'll get about two point two in into her, stating that I won't bite, secular trust, but should be able to act as when she's birdie, and how old are you Eighty seven and she is twenty five o clock annual be able to access it when the whole thing at thirty, or would you say one point one place or when she's thirty and then two point two: whenever De Accounting team gets done, figuring out, taxes distribution, all that stuff is expected to happen within the next couple of weeks, shows a total report shakes, yes, a joker. What we all make now not a hundred dollars. Are you? People have faith, gets a hooker well, one of the things it has helped me, as I have built wealth, is an and cannot talk about this. A lot is the ideal stewardship, meaning that your manager, not an owner guy, your managing it for him

and so your wife and show the two of together will manage your life together, you're not on the outside, as an analog you're married for richer for poorer, in sickness and in health you're married and others I mean you need to trample on. There are the buncher muddy boots and be tacky in your interactions now, but does it mean you're supposed to stand on the outside and suddenly your wife makes all the decisions independent of her husband no end the way of the rolls were reversed. You shouldn't again why decisions independent of your wife show, I gather we do it from the stewardship position. Can the eye and I think that the stewardship comes down to Kay the investing questions. You know, how do we invest this after? We tie so you get your time right off the top and then vesting this and then what's this passion project and then say: ok again, good stewardship

he Fraser Dave using you know we don't just wanna, because we ve come and all this money will get this big passion project. We do want to be all passion. We want to think through you know, and so what? What is that you said you wanted to bring it up boy. I'm curious to know what this big passion project is well, we're not sure she, then she didn t go right now, so we we items witnessed. So he thought the idea of creating some sort of of of healthcare facility, multi faceted in our so the very we were a variant of West Africa and execute passion of ours as well. That was a couple of them is that we discuss not really sure tangibly what exactly looked like gusher allow just address every quickly cause. It's it's a straightforward answer show you just because you're coming at a big money and you can do some things as a main. You should do some things, and so healthcare facilities. All this comes off. This is enormous amount of research, and I would start with honestly as a couple I teach

individual, that there were those get their unique contribution and in its pretty wide open as long as you're using your talent, God, given hard skills, azof skills, you're, doing what you're, really really love it's not about the money and success. It's just. I love this work and that work is contributing or creating a result in the world that there is deep, personal value out, and so I would that same lines on a business, certainly that you to do together. She'd have to be an alignment there, but that after we do some actual research, what I call clarifying verify less really is a couple sit down go. What are we dream about whom we rather Do the help out with the foster, kids and things of this nature from giving standpoint or do or be actively involved in running an organization same thing with the healthcare we really want to be involved and that, from day to day, she Pierre School? Where does all this fit into the The is you guys are in such a great financial situation because of this inheritance, where we can relax, we can run

do our research and say it? Does this fit these Ribs and big ideas do they fit? Do they make sense to want to do this, as a couple is a separate. So really into its bent down with people repealing ass high grade kiss me from doing stupid things. When I remember it's not my money on managing for someone else and that that that relieved me of hold. It relieved me of you now this is the same there's a little bit of arrogance. Almost that goes with with having the capacity Neither do some things and because it's not mine- and I have to ask the Boss- ok God, you wanna bet piece of property, bow women, you already on it. Do you want for the title to me. I applaud your me to manage it, for instance, that other guys badger euphoria this house, and then God you want to sell it at your house.

Cause if it's almost ass, little emotional spare Exercise allows you to detach from all the emotion and the power of a walk into a function air facility. Oh, we could do a major met facility, Wu Wu, why met I got? want to do that with your money and it just the conversation between my ears. It's not the reassuring. It's a type of prayer and slows me down makes me I move a little pet. A little slower pace, little wiser pace, because I have this fiduciary responsibility to the owner. I can't I gotta report back to him how I did what kind of job I did. And I can't screw this up. It's almost if I would be more irresponsible with my own money than I was with someone else's that that My personal experience or walking through handling wealth I've transferred that my kids, even as an inheritance and you

You really didn't hit the lottery you responsibility. Not you know not the privilege. You got the responsibility. You manage this, it's a big dead gum responsible because part of time is you got you wake up feeling the way to this? Don't you yes, yeah! now that's normal and that little bit healthy by the way, that you feel that you feel the weight of the responsibility. be wise, and that,

at such stewardship bone, its activating in your spare. That's a good you're, a good man. You're gonna do good with this should go. She would be wise and take a step back and attach think I'm not the owner of managing this ok boss, what you're doing your money and about just ask God what he wants to his money. It slows me down. I make different decisions when managing it for other people's there. For myself. This is their amnesia

in a lobby around these solutions. Are bad debt breeze stage of man and does a re are weathers. Guys are you alone, so good? Welcome. Welcome or do you guys live where from stick me South Dakota, Ok, and what is that near so far, ass to on that site are all welcome to Nashville. So the hall yes, down here to do a debt free scream, how much of your pay it off sixty one thousand five hundred and four dollars and seventy nine cents. How long did it take twenty two months, wow and your range of encountering a dime eighty one thousand and ninety thousand do for a living

I'm a register nurse at a local cancer centre and other powers, its mechanic, our right, very cool, which would mean a lotta snowmobiles for whalers and South Dakota area up exemplary, fond good for you, that's fine. Open a few of those nominated mechanic. Gonna happen going. Are you guys so? What kind of debt was the sixty? Two thousand some credit cards medical bills, couple cars home equity. on which are actually was, are only mortgage because we paid cash for the house because of the small town we live in healthcare, so your column normal, except for that part, low, but everything right. How long you been married, little beast! ten years in June, also much very good. She looked at him like this. yeah now he roared right or wrong, but he had it were very nailed. It gets up good job, so what happened after all

Fifteen years been normal toy, too should go. Fears got lit by big what happened We are against it as being classed by my parents. We bought kind. Very reluctant reluctantly went to a dragging our feet as we didn't really think we needed help with our finances, nor my parents, as they are yeah, who laws they a little too much true throughout their. So by once we started this. I just, from there we learned so much and we started our art. snowball and just got a couple side jobs and we just now that some even took a little paper out in our local tar

fashion, the other economic papers laugh much of us and I think we got a pamphlet here. Nationals all that's left in its relevant, but you guys are credible. Well, every mother so who oh go, initiate, give did your mom or your dad. My dad your dad Ok, so mad her dad hands you this thing what was your reaction, this financial peace gift, and I quote air quote it I was. I was okay with it. I just I was gonna dreading, bringing it to her as, like. I don't know what she's gonna say, parents told me to do it's her parents her. What did I say we talked about We cannot, we can't get a little upset right away actually is, and I quote we at all

if we re responsible rules like some are giving you a diet book right. Oh my gosh, I want to show you what is the fact that a country is one of those two minutes, but our is its good saw harp. It's our gift, their interests, looking at how little yeah you gonna get over that, but you cannot where we'll go to the club. There was the best thing that happened to us to show how far into the clash did all that whereof and you went. Ok may like to reform nightmare for different knights or the first night, or what things about now, three nights. Our gone. This might work out the scar Card Tipp, the Tipp. This I was a little bit very

Did you like a good Netflix Series, dated three series and they threw shows in they were they were hook and southern listen. I've been through an influx areas that I went all the way through it, because I felt like I to clean up late now wished I didn't girl, but a couple of them. The first one hook meters early true, so that's my question: when did you see momentum? So you start this star walk in this thing out with their appeal in this twenty two months, where you, what oh, were really make progress, what was it? I would say when now when we start up actor on things and watching he's accuse on everything else and we still had money left over, and now we weren't looking at the negative bank account and you know, and then with a first little debt falls off and you like hey. This is gonna work calm down and then about a year. It we decide Doesn't it came to me and said we should do more? class we saw in the class and that really little yeah I mean it's hard

it's almost impossible, not the stuff like crazy when you're leading the class. Yes, because most people are not hypocrites, you know we're just you, gotta go at once or taken at manner and in no way around it while class was big. Like twenty three twenty five most, certainly now well tell me: it's pretty like a big quietly there weren't any town that such a girt great job. Thank you for leading I'd, appreciate it. A lot of people, though, in the back half of their debt snowball, get that last but a rocket fuel by becoming a coordinator and leading as we hear that story a lot on the stage and held out that's very interesting. That is. It shaped proscribed that I hear because you guys are a year in and things are really work and then start tell everybody it works. They give you the more voted this way, you'd only. I am alive and poster child this continent. So sixteen years of marriage have you ever been dead free until now than ever? and you paid off the house and everything? Yes

look at where people you got no tat air, payments, yet tat older you're to thirty eight yeah yeah yourself whacked. I love you guys are heroes. Man you're absolutely heroes, very, very well done and thus to delay with paid for housing, not just the dead free but dead, free house and everything man, s pretty so we could. Also. What would you tell people now that you're coordinated class now that you are a hundred percent that free? Because it's not a theory, you did it. What you tell me key to getting out of Danish for me the budget sticking sitting down together, going through actually seen where all our money was goin, but that was the biggest thing for me. I would say for sure, and then just just be mindful of what year in all It could be something as simple as that.

a solar or a pauper coke, as you guys, we called down half hour or you watch your mouth of yeah, just something some like that. Do you really need that like community? two dollars, but in my view the two dollars you need to save. Do you really need that in Europe at all adds up after awhile death by a thousand got? Yes, it's a big deal very big deal. That's important so You started the budget? How long did it take you for your fort start, actually working how many months, probably for about three or four, we doubt they will use it takes about three months to get it. Thou them for some of course, unusual. That's very good, but they want The dialogue in its it becomes still have something I dread. It becomes a place of power. You go, and this is this- is the wish of the track map swarm, get my traction so very well done, who were your biggest cheerleaders outside the two of you obvious?

the laws. Now, not only that you have the data class. Now you get down there right now. It's all for love that, finally, they gotta be jumping up and down. Proud were proud of your Randy. I can tell you that you're, a sharp young couple very well done, and you brought the kiddos with you one of their names and ages. Carbon is Nine almost ten imbracus five raw right have there been practising their dead fresh grain. Yes, there I know, there's stuff gouge, you ready for you dead for each group shake your head Sayer. it every grain. We go mad as your mom and dad there, like incredible people, say, have changed your boys life. The changes For your kids or change, does your mommy and daddy putting We are very, very cool our eye

and those arose corporate brok. We got a copy of the legacy journey for you. My latest ask us the next chapter in your life and extra copy the total money make over to give away to pay it forward with, counting down. Sixty two thousand dollars made up of twenty two march, make an eighty four ninety counted down. Let's hear a debt breach scream three two one, This is why come down her work still, this is the Rams Asia

Our group shares the regulation. Six, nine! Let us not throw weary of doing for inclusion, will read if we do not give up. My Angelo shut. I've learned that you shouldn't go through life, where the catchers met on both fans in individual, to throw something back, that's good night nice touch. I am Boeing and Entre leadership theme our for small business people in a couple of weeks, if you're small business person with any kind of a question email me at Ask Dave at ram she solution, start com or day volume. I'm sorry Dave on air at Ramsay solutions, dot, com- and

but on layer Shepherd entre in the subject land like hell, you know what kind. Of course you want to ask will contact you make it part of the show. We don't tell you, what for how to act. We just John, but would rather from calls for this Kelly. Ok out, act, she's pretty ball. She, but slightly spiritual but by but yeah just jump and send a senator Dave at Ramsay solutions, dot com- Jabbar is whether to New York City hydropower, how're you pay day. Thank you. so my thumb, mass of fans, because of you, I paid off my masters, all cash and me and my wife paid off over fifty thousand dollars left each month. While thank you,

all you do great job man, congratulations yet master family by watching way too much per my questions about me and my wife, he just got out a baby step three fold up a four month chosen and where the beating on Wednesday, we start donating a chair. I would like to start now. but my wife, but rather a paper larger goals, look at his apartment, a plan for a baby, Did you want to say that someone is a good time to start donated? near already late. You need You need to build a giving much all from day. One substantial giving would be different, but like like a big, already giving or something you may want to set that us, for some after you, ve had a few goals here or there by hopefully rhythm of steadily A part of your income keep muscle of you

where your hand is always open strange thing about an open hand, is money can not only get away, but it can also get in a close. fish can't let any more N and so it is an illusion that we can live in holding for ourselves and come out ahead, station I learn that early on by watching our parents. give in and lots of just how is always a huge amount. I am curious to know what you think on that. You know when someone is paying off debt. Is that a line item in the budget in a because we believe in giving tie viewed from from from our income bonds. Here's what you take his on that for folks, a tie, there's a tenth of your income to your local church. If you're, not a person of faith, then Obviously that would not apply, but it's not about guidelines, right. Just the same answer

something like that. If your, if you're, not up attending a house of worship but evangelical Christians and or in our orthodox shoes, all give a tenth, of our income and many other religions had deprived, but it's just a matter of it's just a good spiritual, emotional practice to have a given the apart, a rhythm of your life condemnation, shaming. If you don't just at a time generous people are more attractive. People. This is hard to find someone who's consists. Regenerative depressed the funds, are managed consistently generous. She doesn't smile it, in general. It is personal all the door open for you in a two bags, groceries. Generous, won't have to pick him up and they follow over the parking autographs.

That's right. I got it all jars person does all kinds of stuff. It doesn't have to be necessarily riding a check, or only it's not it's, not national. It's it's only because it is necessary that you give yes we find among wealthy people a fairly. Even Our people, a faith even a fairly steady pattern of generosity, idea of Scrooge. There guy who holds all his money and doesn't give any of it is in one region, Scrooge such a character in law The truth is that he was so unusual. Most wealthy people do give the giving in America is amazing. So it's a great question. I appreciate you. Let me show box on it for Second, not on you, but on the subject. and my answer to you is, I would start steadily giving it doesn't have to be a lot Maybe your wife has tens of thousands of dollars in her mind, and you have a few hundred in your mind. Shut might be

We put an actual amount to this end in I'll pick, something that you believe in that. That's Obviously that has some virtue to it. That is that you align with it. You wanna, give entered. can be random acts of kindness. You can find out a single mom and needs a thousand dollar car. it can be done at beep. necessarily a certified charity, showed every item the day Dave. I was a pick up my son from work out one evening. Six fifteen on the way home he was starve and, of course, after worker, then a line in the gut, the pay and slowly said the people, follow you pay for your mail, like all. It's really good idea what much and so on I do. I mealy data for version behind me started the chain you drive through Jezreel. of course, but you know that's. Those were ways are even in a bunch even pay off tat, even in the snowball you can go. You know what I want

ten dollars, fifteen out tunas bless somebody It's amazing what it does for you, you walk we'll taller. Contribute. I did some for somebody very small, but but I and you're right. You do developed that muscle to the when you get that free and you live like no one else. Now you go and I've been given this whole time now. I can really give like. No one else is something taken your eyes off yourself, my luggage, coercion, lavish question does you're you're sitting in a restaurant, and you just happened. The notice, the Abolishing the dishes is kind out place she probably shouldn't be their bashing that if something is wrong with this picture you know, lady, that age walking like that happen. carry that trade. It just some raw with any the central Owen and you go. You know our three dollars a day for her. Oh, my goodness, so

true it. I'm fine, I just about most fun. You ever have, so you got Ike to be able to keep that as a part of Europe and I'm actual kindest tips or call it as a line item now again you know what they, The problem is subjective. Once you get start, aren't you you'll overdo it? If not careful you, you can overdo it in and mess up your plan last summer. I don't want it to be disciplined. That's all But the interesting thing is it's not about what had happened to other people's well, what I miss you Changes you, changes are you can not be generous and not be changed, its empire symbol? to be generous, but now you you could, I guess right, a check to some far away land or some far away innovation, that cold interest, a p o box- and you don't know anything about them and doesn't happen well, when you hand three hours that lady you pay hey you pay for the people behind you.

Do not even a little stuff, it's just little stairs. What were you look for that look for that mom, you don't know her whole story that maybe she get through for kids and the card she's inner, uniform or whatever go buyer gas just this that in a fifty sixty bucks. Whatever the situation and watch just watch, what happens? It means a lot to that lady there. Yet it's not hard to look for opportunities to give. We weren't Dern covered a bunch of actual bunch of our team, went down around you foundation and she stood in the desert. Station affront to the hospital and just filled up. All the nurses and ox aimed at ending the medical workers were filled up their cars for an inn. I want to turn a money, but it was your father Bucks a station suddenly dropped ten grand the dire it wasn't. It was a huge sum, but it was like us, are both government and cleaner when she also stuff just for the fun of it and diversion

the quintessential fraternal like that worked on my way. I know they're gonna wait, wait a shadow, my winchester and so on. You know, but

bragging under Tonia. It was most fun. I had learned that gun quarantine because we needed some fonder quarantine. So just to say thank you to those folks and then I'm worried about anything ships and think that puts us our the Ramsay show in the books will be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial these nets to walk day with the prince. Did you know you can listen to the Ramsay, showing your smart speaker just tell her legs, Google assistant, we're SIRI play the Ramsay Show podcast check at all. Ramsay network shows on your smart

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