From other quarters of why I'm sorry solutions broadcasting from it all of our little studio, judge that day, Ramsay show what matters down measures in the pay of mortgage has taken the place of the Bmw status. Symbol of choice. Open follows a triple eight, eight to five five troops, five, why old we are back to work for now whole days after having been off for a month. It has been wild and on how,

criminals are entering last night. He said the issue at the summit. You ve been through an end stuff. I'm saying about you this week: do you ever do stuff on the air that you regret, and I want good Lord dude up on the air for thirty years urge three hours a day five days a week. That's tens of thousands of ours of opportunity to screw up of course have done things. I regret, of course, but all stages in front of well? over a million people live audiences and the thirty years- and I speak of spoken- have us some things on stage that work range worthy. Oh you bad, sometimes intentionally. Sometimes I go back and go. I don't even know where that came from where that what was too much coffee for I walked out there main YAP, so you need. This is a fun world. I live in because everything I do just about is alive,

then worse than that its recorded and played over and over and over and over and over and over and over and over and over and over and over and over again so yeah, that's part of my life, and so I get the opportunity. You know that once our reeling, I told him so that you know the only thing. I really regret now made some mistakes, but hey make mistakes if you're in a ring, swing and right, Sharm. Ok with that, status cringe where they private note again, but as in the ring swinging, I'm ok with that. You put your looks up, go at it. You're gonna unit hit some stop. Sometimes you know it's. Ok, the only thing I don't enough quit doing these than we ones. I regret our one. I've done Ransford

tat a person and somewhere around twenty years ago, I made a decision that I don't do that anymore on the air. I will attack an idea big time, big time and that there's people that I just from a distance that I really dont like. But that's not the point. The point is for me to talk to you guys into teaching. I talk about an idea, you know, and so you know, but I therefore urge you to about thirty of me floating around it from the old Fox business days, while show on their attacking individual and individual about something, and I wish to end on them and I teach our remsen personalities said: don't do that. You know and saw there's lots of people.

Other than that teach things that are opposite to me. The same negative things about me even and I just I don't want that. That's that's one thing I don't know, but I have a mandatory. What we had, we did a video one time with a bunch of a coordinator Senate from financial patient, firstly, and put pictures of those people in a brochure, and it came out about two years later we are still using the video that one of those guys was arrested for child pornography. Is so you don't you do it of brochures away or yet the video that guy's gone Rikers, certainly don't want be associated with that which I didn't know anything about it at the time, but joke about Goringe worthy juice, and I you know remember that will gather crocodile Hunter when he lovable that killed member, whom and His kids are run round their precious now and shows the staff in italy- the show we are watching. I used to do a joke and it was in one the olympic view, videos and it was a funny joke, but but is tragic. I uses

if you keep playing a credit card, you gonna get bet you're, not gonna, measurable crocodiles. When these days you give MR those dangers, animals, we can't get it. We did get it right. It was completely uncool to leave that video out there. There was a funny joke always alive, but you knowledge, pretty bad taste in cringe. Were they leave it out? So we edited the video and took that joke out. Obviously we don't use a joke anymore. It's not funny because it gotta kill, bless his heart right it's not! So I did a ran on Monday about the over dramatic raw modernization of the earthquakes in Puerto Rico. The fires in which are all bad things, the fires in Australia and Made fun of on Monday. Get this. I made fun of schools, local schools last year, perfectly sunny day, and there was a problem of a line of storms coming through that might have tornadoes in it and they closed school. I was making fun of them all being wishes

twelve hours later. Nashville gets hammered right, talk about cringe worthy, that's cringe worthy. And so let me three o clock in the morning. I'm up because I got people column may their stuff broken everywhere. There's enough, have we own and she's what a mass and people we know are hurting. Knowledge comes to well, I mean obviously don't think. It's stupid that you cancel school the day, be a war on the per day, in that there might be a tornado, but talk about bad timing to say something like that right before my own community, all the people, get slammed because nobody, nobody- no one predicted the tornadoes Monday night in Nashville there are no predictions of them was a thunderstorm. There were not tornado active. Predicted twenty four hours in advance,

hammered communities hurting right now, and so it would be bad taste, wouldn't it not to leave that rant with that line. Up, of course, would be immediately. We took that ran off the air off the pod cast and weep edited out of that Youtube account. Not, I would put the rest ran up without a tornado comment, because its pad taste is bad taste to talk about the crocodile guy after he died video, even though at the time your point was still valid, but that doesn't matter, but you know snowflakes rather diagrams has to be held accountable for his no joke, and we have to I'm accountable, because because I'm a worse and an attitude that stuff out and is hiding from it. Now I edited about because is in bad taste, you Guph was you know, and it's really

the worst possible timing to make that very valid point because they too actually have nothing to do with each other, except that there's a tornado involved at exactly the wrong time. While bowers later, we get hammered. What are the chances of this, and we like me like doing a crocodile about The guy gets killed. Twelve that twelve minutes later you know, may just be awful. What horrible timing shall we are out of out of good taste and because my friends and my community are hurting. We pull that stuff down showcase. You wanted knows pulled out, there's a piece of the podcast that's missing from Monday because of my mouth. If you're gonna hardly a kind of all for something, snowflake, here's what you do

Listen to somebody else, cuz! I don't care if you're my audience, you're too stupid. That's how you hold me accountable, so yeah, I'm going to be in here swing in, and I'm going to be in here, making jokes and I'm going to be in here cutting up and I'm going to call that wishes when I see wishes and Imma break stuff and I'm going to keep doing this, I've been doing it for thirty years and eighteen million people every day, and it's not going to stop and if you, bitch and moan about that you can but you're blocked on twitter. Already. If I could block you off listening, I would cause you're too stupid to help so move on and go listener. Do somethin else, my gosh! You people need to get a life your wishes seriously, but there's difference in regretting airs and being held accountable, apologizing versus having good taste in the middle of a cringe worthy moment and the world's worst freaking timing. Hope you understand the difference

This is that I Ramses folks. I'd muse interest rates have dropped again. My friends of Churchill mortgage can lock in your fifteen year fixed rates for around three. Percent right now, if you qualify their good for up to ninety days, cultural immediately call them, even if you just thinking about buying refinancing home, do it right now before these rights go back up. All it takes is ten minutes to see what you can qualify for cultural.

Alone, two hundred or Churchill mortgage dot com. 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. Thank you for joining us. Some glad you're here, open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five Did you to live on less than you make a concept Congress can't grass it's the ram show, sir? is whether in Virginia High, Sarah welcome to the driver amnesia you know your day going better than I deserve. What's up, I'm just the question: I'm twenty six years

hold on, and I am wondering if I should get term life insurance. Ah, your single no dependent long term, the I'm dependent shop, no one is counting on you financially to live cracked time. Do you have any dead, yes, I do. I have a carpenter student lands and I felt like a credit card. A total of thirty. Ok. Do you own anything much now, ouses assets? Ok, so far are not well. If you were to pass away, the student loans are forgiven, the car wouldn't be given back or sold and the credit card that would get nothing unless you had money in your account and that will be according to your will. No one would be

left with a financial burden associate with EU exempting hostile burying you ok. So because of that, I probably would not buy any life insurance. If you did, I would just get a Buber goober over small policy just enough to take her cleaning up tidying up. Big around. You show that your your funeral was not a burden on your family or something like that. That will be the only thing and sometimes you have a little ten thousand dollar policy associated with your checking account at the bank or something that they just furnish. You wouldn't even thing if you have something like that that cover your burial gaullist right, so you just don't have a lot of financial planning need for life insurance today. Now we're u to get married I'll get life insurance, because even though he might not be counting on your income to live, he would

become accustomed to the double income in the household? And so once you're married I'd go ahead and get about ten times your income on you in court, restart having children I'll get ten to twelve times your income on you, because you want to build a take care of the family. This left behind, because you're loot their counting on that income, your income disappearing from your family's life, since they don't get any of it. You know your extended family is not a big deal Financially speaking, you see what I'm saying so now. I would not spend a bunch of money if I and any money at all on life insurance. In your situation, I just want to make sure you had enough to bury you and trigger the funeral, costing that's all open found a triple eight eight to five five. Two to five Matt in Kentucky, I met our you doing very gave about yourself

than I deserve what's up. Well, I have a question for you recently my father passed away and the course of his passing away was able to inherit some money revile. I've got back in October, so I've been listened to year. Show for well for a long time, but recently started to get into the babies we are for the most part round of Gatt, except for whom I have some death rebelled against my for a one came. My question: why I have some money that that was left and my question was: do you think it would be a good idea to go ahead and pay off the money data from I for one and to pay off our own? Yes, because

what you would do in the baby stepped right. Those are the only true that you have remaining yes, her good and how much, you are on your home about a hundred pounds and how much on four one came on, probably about ten thousand and how much money left far stray cash. They would still They would still be enough for emergency foreign on how much money do you have now in strike if all industry cash Iraqis, probably one fifty ok, suddenly be forty thousand. If you became deaf read it, I guess her and you we would call that at least a portion of that your emergency fund right. Yes, sir, you sound like because you said strike cash, I'm guessing there, some other assets in his estate, yet array liquidated

yes, her Nokia and that's just can be. He had some while he had some I reasoned stuff, which fortunately Ethan in dumb, but those growing isnt different things very good, you have a mandatory withdrawal over ten years on inherited I raise as of the first of the sheer yes, there sure they're gonna make you pull out a tenth of a year, yeah, that's a new law that just came into effect so be aware of that, but that unchanged, the strategy here, Yom Debt free today, your baby steps, seven, not a great way to get there by now. Not the way we choose to, but you know The things I think about- and that is I think, about the legacy of the person- your dad was obviously good with money. I'm a hidden unless you get the lottery rivalry, daddy's good, with money right, very frugal yeah, and I'm guessing that

having your home paid off a rainy day fund No doubt at all that he's. Haven't smiling about that. What do you think you're, sir? Yes, sir? I would totally agree. Policing to a man like him, and so I think about that I'm using the money that he left me. I is thus making him smile and I think it worth so that that kind of confirms the wisdom of the decision. For me, sir, I congratulations. I'm sorry like you said that this is the way you came by the money, but I'm glad you're being very intentional and thoughtful. You would make him proud, sir. Open phones, a triple eight eight to five five two to five Ryan is in Florida. I ryan our you I'm doing great our you better than I deserve. What's up by unscared call from a collection agency I can I can. I talk to believe there don't speak English, basically

I don't know had I don't have any money in collection and get Oda Carter Open and what was the best way to go about that. I have the money to pay it off by someone like me, credit, but I also don't know what to do about it. So, it is a credit card. You have it's not something which is made up of your credit card I call them the day if you out to target card, I call them enough. You refused to tell me about it. Ok, I want you called target and pay it off and closely account and tell him. Why am I tried that I call him ass? You can pay the account they destroy transmitted to the deck collector to the gate of collections, ok, probably in house, and they ve farmed without overseas private master, thereby work for target, at least on contract. Ok, in other words, I ve not sold the debt. So how much is involved about three hundred fifty dollars

probably about its probably about hundred all, not just the fines are pretty sure that his actions, while back you pretty sure that yet accurate that I called I called target themselves message through now. I know what I mean, even if target thought it was true. You think it's true. It seems a bit I for one it is a number spending about dollars for a friend over Christmas out from three hundred so larger Christmas Eve impact on their yeah. I don't remember that was existed. I thought I'd take it off, but maybe I forgot. Ok,

So what do we do from this? We learn some things number one is we get finances and a better condition and better organised? So we don't have any question about it. If somebody called me up and says that the money, I know that's wrong, because I dont borrow money- and I know I don't have a target credit card- so target calls me with an accent from a foreign. Great bite me. So you need to get your stuff cleaned up, but yeah I would pay them. I would get an email from them, verifying the numbers not just do it verbally and then I would make it was suspended to them? Do not allow them to have electronic access to your checking account to do it Raoul because they lie there incompetent and they will withdraw it when you can't get this paid off flows thus to bid tar card, and then you all these problems

This is that I branching him switch yourself. You their service to pure talk, USA and save money. Jasmine from main said, I heard about pure talk. Usa from Dave, Ramsay Pure talk. Usa is the best cell phone service. I have ever had folks all of pure talk. Usa plans include unlimited talk text and that and no contracts try risk free call pound to fifty say the key words Dave Ramsay and receive fifty percent off your first month. That's pound. To the key words Dave Ramsay,

I don't know if you know this or not, but the Ramsey network is pretty much everywhere now you can, All of us, the Rams personalities on Youtube Series, exam download the day, Ramsay show up and they're all on their given your favorite podcast south there Google play I tunes wherever pod cash. Are you, Chris Oaken Show on how to become the every day millionaire calm and show how to pursue your pursue your career passions. Landing the dream job. The business boutique podcast will be changed to the Christie Right show in

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other again play the day. Ramsay show its confront to think about, and stay motivated, hey stay plugged in we're all here to help you in all these different areas of your life and from all kinds of different personal perspectives, and so were glad your weathers. Open phones are true. Light, eight to five five, two to five Andrea Andrea. What was it come again? Andrea, ok, you didn't tell me, go along with how are you in California? I'm telling you better than I deserve. What's up. We have three options we can to drink. Now. It's either option one to stay the course and go baby steps to option to pause. The baby said and pay off my mom's credit card first and then continue the baby up. And then three go into storm mood, because this month will be turning on the waiver who entered

just a little bit about six months or a year, she's denied or approved you'll be turning in the wager for what for my legal status. All ok, and why are you paying off home when it's too I'm why you paid off your mom's credit card, Oh you borrowed your credit card and twenty sixteen to pay far wearing an. We borrowed it again when my husband was cut off his hand out, so you don't have to stop there. Aren't you Yeah yeah yeah you we, we do thou six months ago, when it showed how much do you- oh, your mother, for the use of her credit card we have six thousand my funny how much money do you have any? Some might say that yeah.

I get there and making under one thousand. Ok, you workin the baby steps. One of your debts is repaying there mom and end your husband's immigration status comes into play. How do you need money for them Yeah one other babies, but the smallest baby long as their lawyers. Actually that's actually prison under less. So he gets denied more than likely he will get supported, and so he wants to go to storm or save as much money as it can. In case you get appointed an I wanted just do baby optional and is already set to show what is the Yom probability, fifty fifty that it gets deported. Ninety ten,

Honey here immigration, but the eyes and came out clean, but there's always a fifty. Fifty. Now that your worrying me, what does your lawyer when you. This is a slam, are not only. I don't know this stuff, I mean he has there. He has a good I'll come. He says he thinks that everything's gonna be ok. So that's not fifty. Fifty That well for him now I am not there's an amount asking about worrying. I'm asking about what really is going to happen. You can worry about dying when you walk out across the street, but your probability of that happening is not fifty fifty issued on hearing one that and that's how you make these decision. You don't make financial decisions of ringing your hands about vague things. This isn't vague, but I dont know enough about immigration law. To tell you whether you what your probabilities are, I really don't

and so on? Show your husband wants to pay the lawyer not pay your mom and pop up cash. To get well. Even a partial brown Tsar mode when will when will you know about his immigration status? I take six months to a year from today from that we turn it in our time. For this man that's a long time here and what your household income sixty. I would think that in six months to a year that you should be able to pay off the lawyer, the six thousand dollars and pile up some money.

Show stopping and actually that put you in the best position if he did get deported because if you weren't in free and had a parliamentary verses, if you just had APOLLO money, that would not be a good position, show Ya'Ll it. Let's go ahead and just work the plan but less work. It was incredible intent. Lots of overtime and no spending at all, because we ve gotta, get this this debt paid and get it off of you, because it's a big deal problem emotionally with it being oh, dear mom or on her greeting card. God help us with that. If you re use out again, you need to be smacked. Ok, don't do that. Ok you're do that. But how much is the lawyer aren't we?

one thousand six hundred left on it. That's what I want to do to get a new baby said. I think you work the lawyer than you work mom and the new pileup cash, and you do. It was already intensity, because I think in six months, you're gonna have five to ten thousand hours were the gauge and no dad and a year you for sure would not, and if you got a year, is coming at six months to a year to find out now. If yet different news and something different happens, then you would stop everything in pile up cash right. If you ve got actual facts, not just fears you know, like someone column, you say, and I think I'm going to lose my job. Why? I don't know I just sometimes people lose their jobs. Well now you don't stop on that basis, although laid off sixty percent of the people, and they said another wave next week. Ok, that's different! We stop everything. Does you're, probably gonna lose your job. You know

and we can we stop everything and build up an emergency fund, but that's how you analyze this stuff is: what are the real probability that simple thanks for the call open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five we'll talk about your life and your money. Sheila is whether, in Florida, high Sheila welcome to the driver amnesia Dave? How are you better than I deserve? What's up with you? We are currently in babies at one just recently started that recently started listening to you. I have realised that Nineteen years ago, we wish we purchase a kind share, which is only about a couple hours. Mustn't we'd never used it, though we took your advice and reach out to the timeshare exit team. Did our free consultation. Unfortunately, with this particular time share, it could take some time in the nest and made a cost.

About thirty five hundred. Our question is: do we care babies that one taking care of an in depth and take out alive Because, unfortunately, don't have that kind of money would not. I would put the thirty five hundred in your debt- snowball, ok as if it was at that. And when you say that the voting- and I wondered I would are Tom Chirac's team- there are reliable, and that does take some time, though, that is right and on you can you can count on it taking a year or more in some cases, of cologne that water tacking into the stuff, for the com, this is that I am,

Thank you for joining us America. This day, Ramsay show open pounds a triple eight, eight to five five, two to five cripple: eight eight to five five, two to five Adam is, in California, Adam welcomed the diver empty shell. My dear grief, stricken Virginia sure. What's up. We're on babies up to now, and the next on the list is an act of death currently it that forty five hundred, but we receive around the collections company yesterday thing that we can settle for twenty

and I know it's considered an active blight, gonna want would you do hammered out. You got to twenty percent, we do ok, where'd, you get it It was a Kapital one credit card of my wife. Now I mean that it is only percent that you're giving them in cash organise cash flow. That out of one month's income is at the idea here. Ok, beyond Yet for sure get it in writing, you got it in writing a letter. Obviously, keep that letter and keep a copy of the proof of payment staple to it in hard copy in a file for the rest of your life. Because he's be. I will that their incompetent and their crooked. And so the result resell adapt. It's already been paid, you'll get another collector call someday. They do that all the so keep up where they do not give them electronic access. Your checking account They lie. We gotta check order. Projectile about my return. Now gave you just cinema check. That's fine

the Czech clears, and it does so within the time frame of what they ve offered you here. Then that's fine as well. No problems layer, the odd. I would definitely that for sure get out. I will do that they're. My wanted me to call this. The mixture self wife happy life, yet a man and here's a good night. There's a good news. The two of your talking about this year, both working on it you're making decisions proactively you will never again have an active credit card in your life, their plan or do you wanna hit me to you, so she smarter than I am at this point As already established may do brother may do you can't marry up? I have no respect for your open phones. Trouble eight eight to five five, due to vice versa

her. That was mistress, exemplary, iconic, wonderful, gentlemen. I get the pleasure cause of a huge fan boy, get the pleasure of meetings and Miss Jean, while they're, both still living. We became friends and in how we got a show up with my wife, and he says Dave you now our respect can't marry up, and I deeply respect you good line. I got a day is a good one Our job is whether the North Carolina John Welcome that over amnesia takes shape precursor discern, say. Yesterday I paid up all the way along the banks of the motivation to do that loud, Yeats, exciting, wait up

for sure and and with the new refine rates for life and are currently in the process of moving our mortgage watching your long. So with that said, my wife got a recent promotion where she moved for about a hundred thousand dollars a year to about a hundred fifty thousand dollars a year. We currently have a termite insurance over her eye, which covers her for about a million dollars for twenty years left Emma. Currently, thirty. Seven. With that information, do you think we should add the extra five hundred thousand the cover that extra? increased and paid for out of that acceptable. Well, you don't have to and here's why what were aiming at is if someone died either. One of you is pile of assets, plush insurance, big enough to take care of the one is left behind

And so what happens is as you build wealth and get out of that, your pal of assets is getting bigger, chauffeur No need of insurance is gradually incrementally decreasing. Now we usually presented for simplification purposes of either on or off like a switch, but it is more of a gradient actually. Because you know, if you say you needed a million dollars, which I had a half a million in a million dollars in income off of a million dollar lump sum to live. If she died, ok look is used as an example, but you had six thousand in a mutual funds. Will you made insurance, except for that four hundred thousand, that's missing! You see what I'm saying right and then next year. If you had seven thousand, you wouldn't need insurance, except for the three or thousands missing, and so on because reaching towards becoming self insured, no need for insurance, because your asset basis, big enough to replace your income and your kind of in that middle ground. So I think it's ok do not add to it, because

something happened to her the fact that the everything's paid for in your debt free and the fact that you know you got a sense of control and I'm guessing you ve started to build your for a one gaze, not gonna stuff. Do right right, then guessing you're, ok, financially, to finish raising the kids. If there's gives there or just take your you off. The urine com. If something happened to her, especially with an extra million dollars lane around right, we did that three foster get now. Can we get from assistance? Damn you she might have only as the ideal, some kind of thinking, de I order advert short term to kind of carriers to wear that wealth really starkly builds a move that you I it in your term lobby, fine or even five, even if you're gonna be a long way along in five years. Community payments right your house is waiting for you to understand that no word footing. We have about two hundred and thirty thousand, let them out and I'm switching to a change.

Ok, then, I would do it in you. Yeah I've got through How old is she about thirty seven? You said that and she's in great shame she has yet not no medical problems. Don't smoke, not overweight. No, that's cheap insurance ended. Those are the killers, rather the weight and the smoking a kill. You double your insurance, so it's inexpensive by have me and all around thirty seven year old gives you a lot of peace of mind. I would do it better help. Thank you, Sir check out Zander ensure get. You quote. They'll help Europe Open, found a triple eight eight to five five to two five hundred billion will talk about. You live in your money, is where there's a North Carolina Jimmy. What's up Dave I know better than I deserve man. How can I help you appreciate it? In the military and I was able to transfer my pulse

on eleven July Bill benefit from western alarm. Baby said: no, five, and I was wondering with that in mind. We would you figure, still saving up for quality, Where would you just take their personal ever ye are the benefits and say: ok, baby stepped out of the get most of it done. That's a wonderful benefit! I'm glad you have that. Thank you for your service, it is one of the aid. Benefits is actually excellent, Not all of Mars, you know, but that we actually at once actual an answer but but but here's the thing they may want. You may want to some things that require some cash, that the stipend and the tuition coverage won't take care of its possible. And so I would save some for college. But say you're. Ninety percent done and so You want to do not only want nothing for I'm sure if you want do nothing for a little. While are you going to knock out your baby steps? Lakes knock out,

I gotta be fine, but be prepared. The probably right, checks, depending on what type of studies there when two and where they're going to study and all that kind of thing, but I think you're, but I think they ll be able to go to college. Based on this I mean it's a stipend and its they pay. The tuition that's a pretty simple thing, but you couldn't run into a housing thing where you wanna, do you felt safer with your butt water being in this situation, rather than another situation will reject causa happen. You want some money there to do that. So at some point. I would add some money, even if you just keep it in your name to the Inn, quotes college funding even if it's a mutual von in your name, you sound got this year and if we don't use it when scottish give it a rupture graduates. Are him after the graduate whatever and that kind of stuff, and that's what I would do, but I but your ninety percent dance. I would you can no sweat on the college. You gotta covered that word

two worst case scenario: no money at all anywhere. This kid can go to school on this for sure if they watch what they're doing that puts us our that I've Ramsay Show in the books, our thanks to James Childs, our producer, kill it anywhere associate producer and phones greener. I M diagrams you, your host. We will be back this is James, child producer Dave, rancid show you can now listen to the day ran to show on Spotify Andorra for anyway, you listen upon has for all the ways to watch and check out our show page Dave, Ramsay Celestial, if you're looking for fun,

practical ways to save money in your everyday life. You need to check out the Rachel crucial applaud cash from money, export, my daughter, Reggio crew guises rates of crews, and I'm so excited to tell you about. My party has a lot of people in paychecks paycheck their end ass. They don't even know where to begin that they have this need. This want to get in control of their money, and if that's you, you have come to the right spot. So each emphasising at a time of inspiration and practical advice, if not subscribe to the rates of crucial pod cast, it make sure you today there are more from the Ramsay network, including the Rachel Crucial wherever you listened upon, gush hey it's just producer of the day. Ramsay show this