From the head lambs solutions broadcasting from at all. It's that day, Ramsay show that it is not just about mortgage, has taken the place of the Bmw has, though status symbol of joy on day rams. You your host you job in we'll talk about your life, your money, it's off recall a triple eight, eight to five five, two to five, that's triple eight, eight to five five to two

five Angela is with us in Saint Louis High Angela welcome other neighbour amply show me: how can I help you? I won't be a problem about. Six months ago, retired from the no say about three months ago? you're full sounds a little muffled. Can you speak directly into it again, much better thing you and thank you for your service, my pleasure, I'm fifty four years old note opinion. No one in my family, I put my money. I had no credit card that no vehicle back emergency fund of mankind and a saving of thousand. I also have a few hundred thousand traditional ninety two thousand Roth IRA and the only debt that I have are. I have a primary homeward

of eighty nine thousand, and I also have four rental property you in LAS Vegas with her both mortgage. And to hear what I live, that both have mortgages on them. Now, after I retired, I kind of got to talking to some different financial advisor and one told me that I could actually roles the two hundred sixty eight traditional tears over into a civilian I already and that there were thirty thousand dollars I contributed while I was deploy that will not incur help me if I say out of my home mortgage to help pay off my home, I love it. I don't know if it's nice are. I would do that. I think that most of those are good moves to roll it. I all roll anything to an irae wanna leave a company and the T. S p is a fine plan, but you can beat. You can beat the options that the T s behalf in good mutual. Lunch, and so I would roll it to under direct transfer roll over into an IRA, and if there are thirty thousand of

the ball from mere deployment. Dazed, though other ninety thousand our mortgage boom. That's gonna move that along that's all summits. Have you got how much more non retirement money have you got a bad six thousand dollars things account and I have nine thousand dollars in my emergency fund and then I'm on my pension so, I get about a thousand seven hundred. A month from my requirement pay, and I will be getting the disability age. Disability unskilled likely that process right now, so my total utilities debt my primary home is about fourteen hundred a month ago, but what I was looking for. You don't have like thirty thousand bucks on a mutual fund. That's not in a retirement again correct that have any other money, then what I told you: ok, we're gonna, throw the thirty at ninety, and that leaves a sick to do- and you said your fifty years- I'll wait before fifty four somewhat your new career

I'm gonna take a year off and travel a brake on military matters and When I come back, I might work, I might not haven't decided. I want you to work when you come back. I don't want you to work if something you hate, I want you to work at something that is your dream. So look on and gives you energy rather than take sure energy use Oh, she ate work when I said that the regional laughed was you like, oh god, he wants me to It is again onawandah, ditches anymore, I'm part of their conditions, and I want you to dig. Did I want to do something? It's fun. I dont work because any I need a day Angela work, because I love of doing this and you can tell by listening cancer Absolutely I want you to find out what you ve done, something this fine like that for you, I don't care what, because every cause number one energize you it'll help you grow as a person to

gauge and something after you do you're you're travel time. I got that that's fine, but you need to be doing in engaging your brain into something and it'll be good for you spare really emotionally everything else? Oh aunt but the Euro makes a mummy which is good, pile up and make you nobody may in order to get this house paid off, and you don't have to invest more. You may more money in the last five years of your fifty fifty five from the return age return from the trip age to sixty Might make more money? You ve made your life in five years. Do you think I can follow through our path, What am I gonna if you dont develop Planet getting paid off real fast much equities about fifty percent. Both in war. You all on I over fifty thousand one and seventy seven on the other. She gets a woman of the other. Guy could work if you wanted to. But the thing is this:

What we say, Tuna Gran makes you a hundred percent that free. On all of these things and we're gonna pull Eddie throw out is what's not even that it's more like more like a hundred and fifty grand makes you a hundred percent at four ok, so others in LAS Vegas are at bottles during that down four in two thousand and eight or eighty thousand dollars each and now my real occur said there were two hundred twenty thousand dollars each loved. That's also, if you want upon my word plan to get them paid off between the ages of fifty five and sixty with this new career address proposed for you, ok I don't think you do, but I want you to know what you ve done, something you love doing that, because you there's too much good that you can the wasted doing nothing. I thank you for your service. I appreciate it and I want ya that your options Bonner six months, offer whatever that's all good reason. Your batteries, while you're doing all that dream dream again. What is it could be anything

I wanted to be. What would I be, then you'll be one of em, KEDO, no reason not to write, and I that it's all everything is possible right now you really have a rate situation with retirement income, you disability and come come in your way all these properties paid off Almost paid off your are in such good shape, but I just want you to put I sing on the cub cake here. That's all I'm saying so. I good question open phone, triple eight, eight to five five, two to five, you jump in we'll talk. Your life and your money. It is a free call at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five, Kirk is on Twitter Dave on forty nine years old and on my second career, I get a pension from my first career when investing much ten percent of my gross due account the pension income, no

Well, you can occur it doesnt matter addressed the fifteen percent. Is that you're? fifteen percent of your income away to build more wealth, yeah, probably would count. Wunnot doesn't heard anything There's no magic formula here is not a perfect formula, but the point is be investing a substantial a male and the more you invention, we're gonna have so much sailor option. You could give it that be ok, you could spend it I'll, be ok, but you have plenty of money. So I now, I think, I'm up Fifteen percent of your household income, including retirement disability, or whatever, coming in into retirement because more then, the retirement more input into investing and we're gonna have which to spend more and more. We live like no one. Slight or you can live in you like? No one else this is

they were actually, if you're paying attention.

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John John, Orlando, John well from other programmes, Asia Day what regular light brown and certainly how can I know I know I think it might be better. If I give you a real quick inside of what I got shaken up and then I my question: what kind of all there are some twenty four years old and make it a hundred and five thousand Arafat. Point one percent, my poor one case a maximum IRA fire. Every year I got fifteen thousand. In my own, neutral, bonding Batman stepped from listening to you, but in a more or less than you, I start thinkin. Ok, yours about paying off your out thing off your house. I got alone for my dad. I gotta go, on a house I put out sixty thousand mile money. I got a hundred and forty

a thousand dollar loan for him rain, half per cent for thirty years, all my money and put it in mutual funds? keeping in the minimum payment each month. Are shy not happen that payment more when we have studied terms thousands of millionaires over thirty years we have done one. One of the core alighting data points is that the average millionaire gets their homepage offices they can typically and under under ten years and so keep like being a home mortgage in order to or money or in order to invest, money is not a data point. The millionaires do and arm. Ok, so it usually and the other problem is this- the borrower

slave to the lender and thanks giving dinners going to taste differently until you have your dad paid off. Yes there on a per cent of that, and that's why I wanted to share it. I not. I thought it was me Commissioner, you said that you you're killing him. How do you do for a living a minute? What construction equipment sales you disuse, stellar you're not going well dancer very well done. Well, I think you got I think you got a real jump on the numbers here. You're gonna be in great great shape. The fine tuning that I would do it. The work. If I were shut down with you and coach you personally, which I'm doing right now the find the divine meaning I would do is I would take you through our baby steps in that involve you have an emergency fund of three to six

of expenses, and that is all- and I think you said you had fifteen thousand saved yet there that would be your emergency fund not to be touched for anything except for emergency social label at that The second thing is, then, once that's done in your debt free other than the house which you are, I would put fifteen percent of my income into retirement, not twenty two or twenty four twenty one and so I would back that down a little bit so that, I do the next to baby steps, one of which you don't need to do. The next baby step is kids you don't have to deal with that. I show you, don't have children, NASA, ok and then baby step six as pay off your house certainly shall I would crank now, investments just a little bit in the retirement, and I would thank up unless beat on this house I'll betcha. The house has paid off and like three years, eight ochre employment.

You make a ton of money and you're, really intentional and careful with it and thoughtful about it. That's why you're, where you are. I gotta tell you pretty unusual because most of the time people that make a ton of money and sales spanned at all. Then some new factors Fact that you're, twenty four and you're doing this is super impressive. Yet there my dad Billiton View fur wherever he was arrival and smart and eight thorndyke trick down and teach me now my parted, listening to you more myself. Now let me talk about hit, not house payment hard. I wanna talk to him and he would gladly would he thinks about my from areas I mean I'm a fifty grand a year, you done in three year out of it out of a hundred and four.

You're right, I am I the year, the kite type, a guy can do that you're. So there twenty seven years old and the house was worth what else we we gotta pay passports, we gotta four to five but watch it worth NATO. Whatever you know, it's just that, like to forty two now go. She ever to interfere too. There are paid for house by the time you twenty seven. Let's call it a three hundred thousand dollar paid for house and you're, making a hundred plus ding ding man, I'm in your rockin really that's! All I'm doing here is taking the Ferrari and giving it all turn up. Already, you're already a ferrari. I mean you're already way ahead. You just doing great man. Well done! Congratulations! I love it. Thanks for the call Robert as in SALT Lake City, Hey Robert, how Aria how you doin? then I deserve what's up well

wife and I were who I'm twenty two she's twenty one we ve got two kids and we recently decided after making a bunch of mistakes or younger, to get out of that. So I started listening area where recommendation from my dad and the one among the question I have in our sitting about all in all with school alone, that everything out medical credit cards were sitting probably about seventy thousand right. Now that we're trying to get paid back now that we ve started like all the problems start to come out of nowhere soon, as we start targets that money aside. Of course, we with the way, how do you recommend going? trying to resolve that trying to keep putting money in the right areas. For example, I just put four thousand repair in my car. Luckily, I did not take out alone. My grandmother actually funded the money for it but now I heard out money and adjust added it away. Was the starboard

think what you just said. I didn't take out alone, but now I owe her money, that's like alone, so let us change our words and beyond mission of everything that is going on here. So what's your household income about sixty, thousand and how much do you and your cars my one color outside thousand repairers on mine? My wife said about five thousand dollars left to the bank: ok good! So what's the bulk of the seventy thousand? What's the big numbers lounge didn't wound about five always say about forty three thousand miles, you wife at home, full time with the babies. I know she work full time. So do I order you make I make roughly thirty six thousand before overtime. What do you do

I run a computer repair shop, but you're not very minor account, Actually You have your masters, I went to the wrong schoolmate there on that one of the wrong decision. I was just about to graduate with my associates all we'll associates and accounting aka aren't, Here's what we're under the first thing is. Is that all these things come? first thing is: is that all these things coming out? You were coming at you anyway, but now that you decide to pay attention and some of them come at you, it's just kind of the law of we used to laugh and save, joint financial vision, adversity, you transmission, goes on car the next week I may as like it's just as if the devil not want you to win and he's gonna beat up on something that you all you know and that's kind of what, go on here, so I see a couple things one is we're gonna get you on a detailed plan called a budget and are you and your wife totally focused on that, who is we're, gonna sell so much stuff. The kids thank their next

three is we're gonna see what we can do to get both of your incomes up temporarily. It's called the dreaded part time jobs or extra overtime or whatever, as it prairie measure? You know work like no one else. So later you can work like no one else, because here's the deal, I thought Thousand dollar change in your household income changes your world dramatically dramatically and that's both of you. Picking up some overtime or both of you pick up part time jobs or whatever guy how that works exactly but you're gonna figure it out. People always do, and gonna, stop borrowing money for anything from anyone ever floating grandmother. Shall I want you to? through our nine, we clash cauldron. Entropy is universally and em all I'm going to give you, because, when you by financial patient, firstly than only class you given ethernet peace membership, which is all of the class online, the fall

classes online or how teacher kids online, as well as every dollar plus and the whole thing online from attribution, anyone your membership through financial peace worry gonna, give all to you, but you have to promise you and your wife to go to the class and we'll get you on a track and then you're going to bust it. You call me if you need more help. You can do this

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Thanks for joining us amount of mergers in Kansas City Brigitte. Welcome that I remember you Dave and thank you for sharing all of your knowledge. You ve really got our family in the right direction. Cool good for you are coming up tonight. Well, are currently on baby steps for five and six May they had a full time job, an aside hopeful job and has not taken a draw on that. Gathering all our information for taxes. It looks like we ve profited about, thirty thousand dollars from that side. So that we have attached.

And I'm wondering if we should pop up the kids five to ninety more if we should throw it at the mortgage or if we should go back to baby step three in number four months, your for six months or how we should give up this money? Of course, there will be taxes Adam that there already of you pay the taxes on it. This year I mean you're gonna. Have that, no matter what so I'm gonna let the solidarity that is not thirty thousand started thousand manufacturers right- click ok go and where are either one of those three things or any combination of those. Three things is fine. They all fit that off at the baby step just a matter of where your concerns lie. Holder, your kids. I we ask, for they are almost ten a five entail how's, the five continents. Looking are you on tractor have enough

you, dont super up, probably large. We ve only got about fifteen hundred per kin because when only started the five tonight recently last year, where are you confirm but the emergency fund being small. Not really I mean it's just over sixteen in your heart onto your notion, the norm, overalls. What including what he made from this will be right about one twenty. Well, I mean if it were me just listening to you. I think your tendency is probably beef. These five to non up Edna. It is, but I know that if one of undecided get a scholarship and we can just role once over to the next siblings

or Latin. With her. I am. You can withdraw the amount of scholarship by the five twenty nine, when no taxes or penalties, ok, if they get a scholarship vow you of the Scottish, so they get athletic academic or otherwise. You know they get tempting on the whole to issues paid concern athlete as an example. A scholarship athlete, the then, whatever the value of the two issues can be pulled from the five twenty now with no taxes, nobility southern alone no found there and you know you deal with ten year. Allow Europe's will no way that yeah. So I'm right yeah. I think I'm probably point little catch up on five, twenty nine, because I want that boy. Checked, so I can move on. Ok, thank you. So much thanks for the call appreciated winning us Goin is whether such Massachusetts high Gwen welcome of driver amnesia. I, by first of all, I want,

I thank you so much for the impact Looking around the World Bank's used, seventeen years ago, we were expelled your programme our church, the pinnacle of the is brought and see and were able to only find one year mission term and three men suddenly turned or call. This is just because we were. We were dead Why now we may then one of the most expensive parts of the country and the full time passed her when they buy a modest income, and it is this possible because we're there for a good for you, but I've. Never Quite you need you boys, don't I and a half years ago my husband grandfather passed away, and he was a very honourable man. He he even a pastor himself. He prepared for his family and am in his will? He laughed to home, both of them were paid for war

and they are now. We are now part of a partnership with those two home that our rented out with my husband's dad and his brother My father in law is fifty percent ownership and men. Better line, my husband, I split the other, fifty percent. Area the most noted into the homes on my father in law and my brothers part and they live in in the area where the homes are of course, are in Massachusetts the money is just put into a checking account for this and as if the homes, we would much prefer court because we live literally and a part of the country is to be bought out. Renown were not.

His landlord. Nobody in the family are handymen. Screening repairs are, are you know we have to help and want to do it and go any on any time we bring up in our path, We then buying us out We are now in a horse my life, where we need to cash flow, daughters, education, we need to start retirement, fan weight with their things like that. We need to do and and- and we want to see some investment on that money baby had made by us out, our pain, taxes on that. The income count as every year is between three and four thousand dollars worth figure out. What is reasonable wait presented them, ok

if we do that annual income of three to four thousand dollars will allocate this percentage to stay in me, I can't for repairs to the home, Lithuania's desert mad, but we would like to get this percentage at the annual income and since we are paying taxes on it, and we really do make it put it a good deal of catch others to properties, to houses correct, and what are they worth? Each it is about sixty thousand dollars. Maybe that was seven slash years ago within Emma. It may be a little bit more than that now, but from around There- and you all know, force correct a third, a thought of my thought alone, fifty percent and then the other fifty percent. My brother, not my head

There will be twenty five percent yeah yeah you're right, I'm outta and on the arm and so dad and brother, somehow combination if they were to buy you out, will need to come up with a four worth of a hundred and twenty and so thoroughly thousand bucks correct minus. If you were to sell all the properties, you'd have expenses, so you're you're forth is probably worth twenty five or less so they can come up with fifty, Graham anything like it

If not, then it's not being when we presented it. Wait you ve gotten back. No, it is not possible, will obviously you're not the one to push this. It will be your husband, his family run right. Absolutely! No! Thank you. Just get on the phone with both elements as guys look when we will be in this anymore, and so we need you to put something together. We will accept a deep discount and so on and they will take fifty thousand dollars for our are twenty five percent which is here which is half off, but we need out, and you guys run down to the bank and picking up all alone for fifteen thousand in Basel or by out over a two year period of time, give a seven thousand this year eight thousand next year and will be, will call it even or whatever but discounted and make it to where it's a great deal for them. But it gets you

because there's more to this than just the money, there's the frustration with your lack of control. And you feel like you're gonna- be an jerked ramble, a bed in a little. The southern passiveaggressive, wake here that in the way you are describing this You re a very sweet, but that's what's goin to do its work. To get out of here. It's gonna be good for your relationship with clear of it, and I think your husband Bush's it's a little harder with his brother and his dad on the phone or next time you're down there. One of the two this is the Dave. Ramsey show

hush scripture that I proverbs twelve eleven. Whoever works is land when they have bread. But he who follows worthless pursuits lacks, since you know what I have done, both your followed, a worthless pursuit. Actually I did that. Last week I actually watched about two hours a vision that was like following a worthless pursued. It was a complete freaking waste of time. It was like eating two pounds of cheesecake. It was just I was in on you just sick.

Done, because there's nothing good has gone into your body or your mind and is completely wasted. Two hours of my life I'll never get back. I followed a worthless pursuit, but whoever works is land will have plenty of bread, but he who follows worthless pursuits lacks sense, so I guess the key that is Spend more time working on land than you do following worthless, pursuits and you'll come out ahead because we all do a little about with you now just the ratio right. Is it more working in less worthless, pursuits or more worthless pursuits and was working? is your problem. Bob said it this way. I have always been in the right place at the right time. Of course, I stared myself there yet, luck? Playing it always comes. Will work than

reasons, weathers in New Jersey, a resource. Are you around the yard, a quick question for you then juggled. The idea back and forth my head of getting rid of my current vehicle downright into a cheaper wine and hopes of expediting my baby set to wanted your thoughts, what he on it, oh fourteen thousand five hundred what your income fourteen thousand dollars and my first my main job and then five thousand job good for you, howdy twenty six good and how much other debt other than the car we're just gonna, stick in it by the majority of my dad and a student dad just shy of forty seven thousand dollars our little beauty on the car port.

Now you all fourteen watch it worth worth. Tele blue book. I just checked thirteen in sum up down one thousand five hundred. So if I just do not do Number math is the way I do this. Here's outworks it okay, so got fourteen and forty is fifty four were in debt write Forty five for the to learn a thing: occasional figure. Fifty nine sixty in ok, you and your making. You said forty plus the part time job right. I have forty nine point. Five for a total of fifty four so if we pay off thirty thousand dollars a year for two years, you're dead, free out of fifty or your twenty six in single that's beans and rice. You can do that. Yes, sir,

or instead of paying off thirty in two years, you could pay off. What would it be if we took that fourteen off right, a b, seven less a year and saw stead of thirty eight year, be twenty three a year. So two thousand dollars a month. If you don't keep the car, twenty five hundred dollars a month if you'd do keep the car. If you're unwilling to cut your budget that deep, you should sell the car, because I would want you to be free in two years time do in some very simple math there are you following me: there's nothing not no rocket science involved here. It's just not out and I'm taking your fifty four thousand dollar income and putting you know life budget either way. Really So the only question is: are you gonna be out of debt and eighteen months or two years? Do you like the car, a lot

yeah. I really do like it. A to what kind of cars where the girl, that's a good coffee item. Fourteen as it's not bad with cars, The EU cannot decide not to go ahead. Edges. If I'm in your shoes, less aware answer questions here, I would be willing to cut my lifestyle in order to keep my car out of my thought. Process could look like I can Our downgrade gives me dad. You know maybe six to eight months after by exactly I'm up, but I'm out of that with you know what that is as opposed to aid extra, my by adding a car that should, in theory last another twenty years. If you live far, but at last a lot longer than Opie and you won't around move up in cars and intervention that snowball so you're adversaries right, except for that last little bed, but the yeah yeah and here's the thing you just gotta commit to twenty five hundred bucks a month. That's thirty thousand a year at sixty thousand into

and sober- and until I get to that, we don't eat out most your and in a restaurant you know, and when I go on the movie leisure organise- and spending money- you don't have any money you're getting out of that, so you're gonna sacrifice Social Life Party time whatever it is, you do with money that you used to do with money and you don't put, all your freakin money on this and you can be done by the time you too. Can you imagine what it would be like to have no payments from the world I can't imagine your honor brother you're gonna. Do it and I'm gonna get you're. Gonna call me back into your dead free screenwriter I can tell I'm coming down and ass. I love a man I'll give you a personal half ass lovely. Get after a brother. You got this Jordan is whether shortens and blooming ten Indiana Jordan. How are you. I want to be better than I deserve it for you now can I help yeah.

Forty five year old, Alban till one of a wife and three Oh baby girl, let me have your life is good. Let us agree, but I'm more about thirty, six thousand and debt goops making about varied thirty. Nine thousand. All the dead is. Seventy five percent said about the eighty percent of its mind personally, with student dead, then enjoy combined with it. Little bill, which we have enough to pay off right out and we just got a new car, because Karla we had had a sea, we gonna help. One for the baby Did you spend that you didn't have to spend I waters Kharkoff actual we're doing bad eighty. Eighty five hundred aka is all that we have left on it. So I guess, but before they became

number one rule: if you're gonna win win money, no more justification buying stuff for babies, babies have survived centuries without our condition: cars. And you could car cheaper than that. You use the baby as an excuse to do something that you couldn't afford to do it's behind us now, but going forward rationalization using the baby. It's not fair to the baby, don't blame stuff on the bank itself majesty working. You don't snowball farm work anywhere is to have you can do this? right now I have pretty much more potent we can reach the three twenty five about in our students that two of them personally, in my name in the Netherlands in my father's, it's the parent plus one, what I hate, I would have known if I would have known how much doing that I would have wrapped up

I dont want to run our time. What your question question is: what can I do to get this down? I want to be deaf free by thirty held. Are you try that oh you're gonna make that easy? You might You just got to work like a crazy man, live on beans and rise, rice and beans. We get the every dollar budget going and I'm not gonna, get on your phone with your wife sit down both of you set the goal and say we're going to like no one at all, show that later we can live, give like no one else, but we're gonna pay a price. We ve made a mass got car debt. We get stuck Loanga, we ve been sloppy and disorganized, but now it's grown up land. Now we get baby and now Russia being grown ups, adults devise a plan and follow it chill do. What feels good. She gonna sit down, get your budget going and you're budgets, You make every dollar behave you squeeze. By the neck until it can't breathe you make ever of dollars behave illustrative! Smallest!

just when you pay them off in that order, pay minimum payments on everything and attack the little one work your way ride down. I'm innocent! maybe a gift. It's the total! make over. But for his dad and his mouth hold, I'm telling you more send it to you. Euro. Show you exactly how to do this stuff, puts us our that IRAN's you about what we back with you before. You know it in the mean time, remember, there's so when we only one way to financial peace and that's two walked daily with the prince of peace, Christ. Jesus. This is James Childs producer of the day rooms ship did you know you can now listen to the day brandy show on Pandora, Aunt Spotify for all the ways to watch and listen check out our Chopin Dave, Ramsay, dot com, slash, show make more money doing what you love check out: Christie, rights, business, boutique, podcast crises

firing and equipping women to become successful, running their own business, creasy right, and I help women all over the country, take their ideas and passions and Hobbes and turn them into profitable businesses. If you have an idea in your head or dreaming your heart and you ever wondered, if you could make money doing it, I'm here to help join us on the business duty podcast, where we are equipping women to make money doing what they live here. From the Ramsay Network include Christy Rights, business, booty podcast, wherever you listened Abad? Guess: hey, it's just producer of the Dave. Ramsay show this