From the headquarters of Rams solution broadcasting from the dollar car rental studios. That's that day, Ramsay show that is down the carriage is paid all mortgage has taken. The place of the Bmw status is so full of joy and Abrahams. We thank you for joining us America common sense for your dollars. Incense open phones, AAA eight to five five. Two to five. That's AAA eight to five five, two to five some say they advice worth what you pay for it

mind our eye, Catherine, is where those in New Jersey, starting off this, our high Catherine. How are you. Are you there is better than I deserve. What's up great so I am currently on baby sub number to enshrine copy. All that I'm wondering if you have some sort of crap on was apparent- should pay on extracurricular activities, ah just some round my husband and I my husband, make sixty two now year I make a hundred and ten thousand dollars a year. We have twenty five thousand dollars in credit card, that ten thousand dollars that he owes on taxes and my sixty thousand dollars worth of student mode right now we have three children and we are currently paying about four thousand four hundred dollars a year for dance. So I'm trying to justify this four thousand four hundred dollars to four thousand four hundred dollars bill.

Now that we're trying to eliminate that and I'm wondering, if you think, that's too much, should there be a cop. Do I pull the kid? What's your opinion on love? Well, I like what you ask yourself is: can you achieve your goals of getting your finances under control while continuing this and I'll? Let you decide that obviously But you know what I heard was. I spent forty four hundred dollars on dance and I didn't pay my ten thousand dollar tax bill. Well, that that cannot continue. That's absurd right, and so we have to make arrangements out of your hundred and seventy two thousand dollar income to get the restless Miss cleaned up to even consider continuing this, and you have to be able if you're gonna continue it while you're cleaning up the mess you have to clean up the mess at breakneck speed and,

opening up, like I, you know like a lot of what you mentioned, should be gone in a year with your income, twenty five, on ten thousand. You know those kinds of number should go away, making a hundred and seventy two thousand and one year agreed agreed. Look. I saw you I've been out of control, disorganized, weren't, watching what the flip we were doing and you woke up and went o crap. We stop. This will good! That's a good move around. Good, move, wonderful and so getting on a written budget with you and your husband, but don't tell me that you're don't vacation or going out to eat While you owe the irish ten thousand dollars right and if you're gonna go you dance at some level, maybe not the level it is now, but at some level you ve gotta, be you gonna justify that by cutting deeper,

into your lifestyle in other areas, but you ve got a bunch of that and you make a bunch of money and so you should clean it up view grew with that. Does you ve already started right, of course, that we started? It said I guess you get into this because our defence, nowhere than you just want to say, thank you everything I said to myself completely for the kids. Aren't we, honourable friend unless it were right. So whether or not we should launch a before, but they do live there there. You know they're, not responsible for you getting taken jail for not paying your taxes, but that can happen if you don't buy your taxes. So you need to do that, so I agree that, but you know they're not responsible for your career, but it's gonna affect where the type a car they get when they turn sixteen so yeah, it's not is not their fault. They shouldn't be punished, so to speak,

I get. I get your sentiment there, but the other thing is this, and you know what happened with China. We went through the stuff us we have to ask ourselves. Ok, where does our children's future come from and doktor make maker talks a lot about that? It doesn't come from the dance recital r, the soccer field. It doesn't come from travel hockey, their future that doesn't come from piano expertise. You know one percent or less of our kids make a living in any of those areas. What are they learning in those things, while they ve got an activity there out they're moving their learning social skills there in other, getting some physical fitness, their learning some care, but really what we and realize was. You know

were bought were, were gonna grow. Our character at home, with our kids shall give an example. Much on Daniel Plight ICE hockey, his whole childhood coached him some of the time applied when I was a kid, but we have the opportunity to spend ten thousand dollars a year more for him to play travel hockey. Now he was a pretty good hockey player in a wreck level wreck league in Nashville, Tennessee. Ok, he held his own upper part of his class, so to speak, we're about an all! our or whatever we want the best player on the, namely when the worst player on the team we did know, however, fairly certainly based on his skill level, is not gonna play in the NATO spending an extra ten thousand dollars for a ten year old to travel, did not make sense in our budget, and so now that it's not his future career. It means we're gonna be late, alma bunch more and more spending money. We don't have at that time. We didn't have that money and answered.

We just very easily said you're playing Rackliff League, and so you know one of the girls. Was it a competition cheerleader and in our spent a lot of money, this kid flip, and so it happened had to be down back number flips, you're gonna. Do I guess you can be smaller in Ottawa because I don't think she's no flip for living. I just didn't think those gonna happen, so you know the competition cheerleading thing we went through, So we that we face the same thing to the Ramsay House at different stages of our ability to pay for it, and so you just gotta judges and go I'm gonna use from and since for this, oh and by the way, what they're, not here, dance risotto, when you're seven probably does not dictate your future, it really shouldn't. I, if you're doing your job, where region your kids, it's just a nice thing. It's ok, but it really shouldn't dictate who you become in the future, and so you ve just got a new activities versus character and make maker

a lot about the staff and strong father, strong daughters in hero in Oliver Parenting, books and she's? Really really on point on it so again, I'm not on you not to do business in your bed? Parent? If you do, we did some of it, but just use some common sense be sure you hit your other goals of United near the gulls and you not hit them rapidly than that needs to be cut out. But you have to do it making two hundred seventy two thousand. Now. If you tell me you're making forty thousand enrichment and forty four hundred on dance, I'm like you're done, you can't do it that ratios off, but you makes us think how much money are able to do both if you watch what you're doing and make it your goal here took a discussion thanks for. Let me have it with you thanks for calling in this.

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thank you for joining us. Amerika were glad. You are here are quite sure that I come from blind dot com. They have a one hundred percent satisfaction guarantee. Even if you miss measure, you pick the wrong color, you make the window blind of wrong. It's your fault, though. I should very much like I'm stupid guarantee. I like that, sometimes I'm stupid. That's pretty cool so beyond belief, guarantee this great company used promo code Ramsay when you're, Being with blinds dot com, fighters. In Missouri hey day, my husband and I are getting ready to create a whale he's, a farmer stay at home. We have two boys too, just to add a new born question is: should we each have a separate? Will you have two separate people, or

acceptable, only have one will in the case of both of us were to die at the same time, you can do less expensively. What is called a mirror image will wear. If he dies? Here's what happens if you die? Here's what happens if both of you die The same thing happens from their own down, so in other words the bottom set another the bottom most. Ninety percent of the will is exactly the same if both of you die but It addresses what happens to him if only he dies. What happens? What happens with his estate? What with Euro state, if only you die, but since the stop it is cut and paste they don't. They won't attorney, won't ever rubbing it with internal charge you as much as to completely separate estate plans. It's called a mirror image will. And also do that at Mama bear legal forms, dot com- if you just doing an inexpensive, will get us.

Stay. You do that, but anyone there's a ten years old needs will, even if your life is very simple, very primitive whatever it assists the people that leave behind cleaning up the mess. That is your life. It's called an estate plan. If you don't have much of an estate, it's a mess. They got your bank account they car sold. They gotta get buried the guy get the fern draw to your apartment. I don't have any authorization to do that unless you give it to them. So everyone needs a will and eighteen your old living in an apartment with a negative net worth needs, or will not only of a well. You don't even farther dollars unaware that you, but for forty box or something like that, you jump over Mama bear legal forms, dot com and get you a basic state specific. Will

not when you're doing a well. The regional stay state specific is the laws that dictate an estate. They're called probate. Laws are not federal laws, they are state laws and they do very dramatically from states to another. For instance, Louisiana has vastly different laws because their french based- and The? U S? Is English based love? Thus your history lesson right, for new, is cuckoo on everything include their laws on a state planning. So if you live in California got a completely different. Google mesh you gotta do Florida. A little wacky Taxes has some unusual real estate, love, homestead and other things, and so you need to these states specific. Now some states are very interchangeable, but the state you living in when you die, will dictate how your assets and your liabilities- your estate are handled. So you,

a willed on that meets the laws of the state you are living in your state of residence when you die not the location of your death, where you live. When you die, you could die in another state, but you live in Tennessee. They would need allows for. Like me, you would need out my state plan to align with Tennyson now? takes into consideration federal taxes when you're. Together your stay plan, but the law that dictate how things are handled are in your state, whether you can a child whether you can cut out of spouse, all these kinds of things are varied from state to state, always make sure you're doing of specific dearest. I even how you sign the will. Some states recur. Witnessed. Some states require a notary some require. Neither in you ve got. You know you,

It is right it out operational, but paper like in some movie and they try to count that ok, it won't work, creates a pain in the, but for the people that are left behind everybody needs a will. Well, let's talk about something else for a second, that's a big deal. If you're getting close to babies have four you're ready to invest and it's scary investing can be scary. You know why something scary either because it's scary and you should be

like standing in front of an eighteen wheeler which is coming at rule eighty miles an hour that be scary for good reason, you should be scared or it's scary, cause you don't know like learning, rather bicycle scary, if you hadn't done it scare, the first Argonauts nosegays scary, the first I'm gonna waters case scary, the first time you fill in the blank, but once you learn to do it does not scare them into knowledge. Remove fear from things that you should don't be afraid of, but naturally are because the lack of knowledge does that investing is the same thing. The problem of investing is people in investing world use. Twenty two dollar words to displaying to explain three dollar concepts EL diversified portfolio with a certain amount of liquidity. Is you speak, English. What did you just say now. Will you need to surround wish on one that can tell you that all that means, as you need to spread your Vestments out in the group of things that you own a need have some money from cash money. You can get hold of. That's all just said, but you need a translator down

And so you sit down with a good investment rubber in plain English, to help you do that. That's how we put the smart vesture prose network like twelve hundred almost fifteen hundred now smart vesture prose across donation. You click smart, vesture, a day Ramses. Tom you gonna, find someone dropped little Rob Donald so the whole group in your area you choose from among that group, when you want I'll have the heart of a teacher, though speak English me they will speak in a language that normal people use to understand, resting and you don't put money in something unless you understand it now, because I said to her, they said to so you understand what you're investing in and then the fears removed, very very important. So will get us I can help you with your investing there's a team you're putting in your life here, there's a series of things you're putting in your life to get control very Irish, very smart,

We find a lot of the data points around people who bear wealth were the ones that do these kinds of things Joey airs weathers Joey is in California how Joey? How are you today better than I deserve. What's up item on twenty two, I'm about to my parents house, nothing wrong with it just But let me live. It's like I want, above all, I think about it. I made about thirty five hundred dollars to four thousand dollars a month, depending on condition and when I was younger about a year and a half ago, we got talking to a fleece. So I have about a universe that full use and between the compliment, insurance rights.

Six hundred and eighty dollars a month while he takes a lot, but I do pretty well might have about ten thousand dollars saved at good credit. So I just want to know what the situation is as far as moving out will you get budget would be for the place like twelve hundred a fortune on those months? I'm just trying to get some tips when we tell folks never to buy a home where their pay much more than a fourth other take home pay. Rent, of course, is patients, while you're waiting to move to the next phase, of your life in your case and by home, so you're not smart to buy a home run now you're smart to rent, that's a smart. They do, but obviously rent is wasted. Money agreed correct it, so the here would be to waste as little as possible. The maximum rate you should have will be aforethought you're, take on pay, so you're a thousand bucks dude, that's your magic, but that's your MAC,

any really oughta do let you know how much do you want? A way is not wasted a little is I can waste now? What you do is you about where you're gonna live. You get creative on that. Maybe you don't do the standard corporate out of the box apartment situation. Maybe you find a wonderful apartment. Over the grudge back from some Ritual Ladys House, and maybe you her gutters for party arrived and you get a great deal that, like you're, the sweet young men? there, the text clearly or lady, whatever you know But the story here is, but you you do you think you look at this a little different, because its of temporary thing rent is camping until I get my bill, don't spend too much on your tent. In fact, how much you can spend on your house later so you're good money, that's a limited to that and I think differently about it being also consider roommates. Other things keep recast down. Man ok, you're, being smart, you're thinking Alex over the stupid, but cardio you did

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Megan is whether such taxes welcome that ever actually show mega better than I deserve. What's up well done. We are currently in baby. You have paid off without, even though we still have thirty six hours, to pay off That includes a city. Our medical belong thirty thousand and attract loans by twenty two Darwin How can one hundred and ten thousand another issue that we hold prioritizing contract with the baby, sat on a Thursday

an issue on her. Why, then, we have known for a couple years that our foundation is getting to be repaired, but we ve been putting them on the back burner Now we know that imposing cracking and burned by thought, though I think it is to be addressed? Sooner than later, Then there are worse than sixteen years old in Poland's repaired and other things like our future, using the updated in our house is falling apart and we know how do we prioritize addresses issues appropriately, but then so stay on track for paying off their debt. I don't hear anything there that you're gonna fix until you're out of that. Ok, because then you can have the money to fix them.

The house is not falling and it's got a crack in the living room sailing most thousands do your each been. This way has been working on this for five years. You should be out of debt in two years. Or, and if you can't be mainly to sell the truck we are always talking about this year- good you can pay off all that you outline in one year, We are unhappy. I'd everything that we can really do, Isabel enhance language, good God. Shall this time next year, you're fixing the first repair, that's the highest priority that's called to put everything on the back burner, then there's nothin on fire. Can you outlined the can't wait a year a kitchen remodel can wait five years. I don't want to go.

Stinky battle legally kitchen, but but it's that that's a luxury upgrade out house. It's got some settling issues unless it's got something. This dramatic, we'll wait a year To my mind, I was just thinking unworthy way or another. The new more than in the modern, have to do more repairs of land things. My caution, extra five hundred thousand dollars was possible. Booby. Ok, a hundred ten thousand origin, you been broke your home married life. It's time to change. Even bond street cars you couldn't afford on payments. Long enough. You have to break the back of this. Thank you know, and you are in the process it just scary, and it feels it's gonna be longer than it is only think about what you're doing this time. Last year you mean you see, your finger here. We should a year later right

go so crazy and so you're gonna beat you're not be working on the most important thing and I think the most important thing in what you outline might be. Unless the vision, where shape than you described, it might be, the settling might need to be fixed first, then you would fix the roof. Those four or more necessities. Upgrading the kitchen will probably your third but you just start laying out. Just like you did with your baby steps. You start laying out an order of priority in you, save up and put fix. I won't say but fixed that one say what fix that one can already and will be happy because you can write or you'd like to see you like this the pre and follow their clear? Well, is it just what happens? Is you're looking at that stuff in your emotions are telling you you're never gonna. Do it. But when you- and I lay out when I warn you- I lay about intellectually You're saying we're gonna be done in a year and if you think that fast enough- you can show the truck and that would cut half of your time off.

So are you panicked enough about the settling to do the settling fix six months sooner. If you are solid rock or you that panic, I'm I'm I'm not. But if you do what. At this moment I get the other there's more cracked and things like that, and I might be a little more about a summer, you got everything paid off, but the truck right cause. It's your last big one, one crack. So if you get down to that and that's the last thing and the thing the House start shifting- and you know you start freaking out so you're dead, free thanks to everyone and in twenty minutes making your kind of money. You have the mice. I've depicts the foundation in the cracks. If you can wait long enough to get the truck paid off and keep it then you're, probably shooting at this time next year with the numbers you me and that's what you said. Europe plan was so I think, you're, ok, you're, ok, but you you're

You have to cut down the beans and rise russian beans and you're not going on vacation is you're not at a restaurant leisure workin there in the union. Stop, stop Priscilla, gets link their necks and all that stuff right gazelle intensity were game own right game all got some real motivation to do that, cause you wanna get out of that, so that you first so that into these home repairs next, so that might be you return, Dignity or to find your kids college fund your next, so that might be that we change our family tree your next. Oh, that might be that I want to give away a million dollars, not just seven million dollars. You don't you changes. So that your, why, as you go along right now, though, you got pretty good. Why they get cracks. Muslin now get your button gear and and keep a gazelle entails and keep you focused and in it Somebody wants to do something you do not. Usually Can we go now? You know and that's that new. Then we can stop that right, we'll get with it.

The gradual Salem. Now we're not knowing that we gotta get out. That's. Why fix a stupid ass, an Where'd you get that should have died in the Then you know what you ve gotta do to do it. Then it's easy to keep everybody else in tow and on track you don't good you don't better than you feel like you're doing. John, is in Arkansas High John. What's up. It is great to talk to. You will appreciate your time, my wife on the baby steps about years now the baby step, three b to say the down paint. Anyone in the thirties, wives in her. One third for kids, who are than under great, I know that we have the household income just me working at eighty six thousand a year, The thing was about three years ago when we moved where we are entered and we do not have a down payment yet

and so our rent is fixed at one thousand one hundred a month as a friend, so he's not going to raise the rent on us. I read your blog posts say not to rent for too long and out of it's been about years. I'm really starting to feel anxious about not hunting long term. So my question is this: It's really if we do have the down payment saved, yet Is there other in other circumstances, where you'd say yes, it should be ok to go ahead and and look at by now. Under these circumstances now you should have a down payment: the Bauhaus you're, ok, you're ok hour, discussing his ear, you're gonna be ready, archer. It should be about a year. I've got some bonuses goes on exactly that alone is not exactly long term. I mean it's not like you like clockwork about you being a ringer ten years from now one year. Now. What if it were to extend

beyond like know, gotta replace my car this year, and so I'm looking to get in Are you cash? Obviously, you three four thousand dollars. It's gonna put his back, but you know it's worth it: two years. Three years. Are you getting worried now? in word as long as you're getting there. Obviously the more expensive car you buy, or can you put off by the car get a house where that our house in a car you know that kind of stuff, and so I'm gonna put off the. Always dreamed of travelling to Australia. Phenomena put that off Amr, but that off to get this done what I don't know what it is worth the trouble ray item, but an being a dork extra to hit somebody's gulf between integration. Then comes out hustle, but listen

you cannot make up of excuses to say our by a house with no downpayment. That's like saying I got enough excuses to be stupid and that's not gonna be a blessing to you. It's gonna bring curses and your life don't do that what they have to be a blessing thanks for the goal, even join as America. Jamal is whether such taxes from all our you

good day how that you do not deserve. What's up, I led a huge mass, on my hand, was hope, You can help me out. I have six hundred twenty two thousand dollar six hundred two thousand and one to two thousand in lawns, enlarge on what a credit card and business learns, how much credit card and how much is I do wonder. Ninety seven thousand business and three hundred twenty five thousand grudged got show. You ran your business on the credit card to them here: ok, how's, the business, doing This has been a and then last year he started to not be okay. So I make lesson nobody's ever you went down its due stores It actually sell one of their stores.

Then, if I run one store, I can make for five thousand among what kind of stores what other restores and cell phones. Ok, and I used to have a good online sales and that very down and they got a routine and to top all of their I'm going to divorce, and that is not to blame on it, but I need some huge stupid to see early last two three years that accumulated the debt. So now, I'm at a speed that I can't make minimum thing. It is being almost two months, but I haven't made pay me to half of them. I couldn't get, together by selling a story like thirty forty thousand, and then I get it for five thousand and month savings, but I dont know how to start and the door will shell for only thirty or forty thousand each

no the one I'm selling when fell about thirty, forty thousand, that one I'm ready to keep that fell about hundred thousand. What did you do before you openly stores? I was I to consult them and what happened with online sales and how much where they, the online sales doing about a million a year for last four years top line. Would you not on that my ear about fifty percent fifteen to thirty percent. What happened that I watch? What was it running now. Now is running, it was ready, slows down. It was running about two hundred fifty thousand a year, but they're not gonna, stop being discussed. They put a hold on your mind about some always veto

put a hold on Yahoo search online at those yes, but not the business of creditors. They had I use ie. But my business or December you'll, see to the online market place Ebay and Amazon Empty Hall by accounts, I can't sell online and more the young man, but it all goes to the creditor right exactly Why did your sales go down online? I was coming up new suppliers. I was dealing with them for like about seven years and they start building. The collapse of that I was buying from them. I had got lots of lawyers couple of wholesale customer line, et Cetera. I will do what he could be dead and all of a sudden Bartleby supplier. They stopped eating computers and knowledge. Buying big lot from them gloomy it up and finding is that in the evenings

the elder mistook ok, it sounds like that. You're online has always been with the exception of reliably the most successful part of your business. Yes, I actually that then I think the doors were Dama. Damn became a distraction tools to a successful online business found that they tell you. So I wonder if you couldn't what the creditor that took the you she won. What are you owe them at the two? Ninety seven, the whole amount to ninety seven is divided amongst strangers. Ok, what's the motor which attract take two clear that creditor with you she want, but fifty five thousand shall, I wonder, you're not crank up your online sales again and go shores

I think the reason you lost all of that was the normal course of businesses attrition with suppliers and with customers, constantly having to reset suppliers and costly and reset new customers. That's the norm, wear them a business. I think you were distracted by your home life and by your stores, and you took your eye off the ball on that and I think, if you focused again rule, Intently on the online side, you might get up and get it usually see one got paid by raging your sales on line that clear him and some income coming in cause you're you're highest in potential that you have outlined here, is not the sale of stores, its Greek, its restarting and revamping in reviving your old online business. It was the one that was that it was the cash king like that you're better if you're right, there was my bread and butter there might be

so it is now really making. Even if I would like a real good effort, I can issue she by what happens in the next godfather. You see she too much well the credit cards or another. They're gonna show you some of em and it'll, be six months. More and then you know you're gonna! Do your goal is to club plough through the two ninety seven first and then go back and clean up. The credit cards are just stop paying the credit cards you got a shot, who you're not going anywhere? You can't pay. Somebody should not by integrating argued that there was one of Michael, shouldn't, you guys, but because I've moved like a business to cash. Now, but I didn't you doing minimum payment cards and if I start than can be get hold of, my bank account eventually on eventually will show you and I could take a lean on stuff but you'll get around it. Faster than that. If you can get your income back up to a couple hundred a year which you have done before. Yet the way I see. If I can do all that,

Take me, probably eighteen months to two years. It's that or by a series of that are far bankruptcy, knew that there was my thing like the about. My biggest concern is that, if I do on that, and then they put a Lumumba Bank account now again to make them more. You go back and get cleaned up. You can sell these credit cards for twenty five cents on the dollar once they go bad, I'm not suggesting that that was a good, but it's where we are. Go back and calling them up as the last step in cleaning up the six hundred grand well you clean off the other stuff. First and then you go back Newark those credit cards and whose work than the one that's the most aggressive legally, not the most aggressive on the found that, where your butt out on the phone, I drive fast, they started being happy jack, they're just their nasty, and so you just have to hang up on roman move on your day but because you're gonna you're going to the rusty, if you dont work this plan, your bankrupt,

she got a work, some kind of a plan where they dont get paid so that they get paid but your facing so yeah. You can file, and you start fresh and as you, Over the stores and walk away from the whole thing and in your going through it wars and everything's whiteboard in your life, you just get a fresh start on everything: go back to our tee for awhile liquor, I will get healed start your life over. You can do all of that. I recommend with bankruptcy that it's like divorce, that you do everything you can to keep from doing it. When you ve done all you can do if you still are forced into it, and at least you don't have. The regret of I just willingly just talked in the gates Something is big and life changing as those things are you to know that you did everything possible to avoid it, and then I regret I went. I can tell you at the time with what new at twenty eight years old, where the crime

chasing me when I was gone bankrupt, afford it for two and a half years, and I repay most of the debt. During that time I still got box into a corner, and I didn't know what to do and I ran out my emotional and spiritual gas tank was completely empty. I was completely freaking out and terrorised and with Ruth I had done all I noted it shall I have no regrets. I tried everything I knew tat. I like I don't know I left at all on the field don't look back and go well. I was just a bad guy who didn't pay bills. Now I did everything I could do and you be able to say that to yourself in the mirror. That's what I want for you! but I've Ramses

Hey it's Kelly Associate producer, impose phone over the day, Ramsay show. If you would like to be geared every screamed, live on the show, make sure you visit daveramsey dot com flash, so it registered. Would we would you for you to cover national, tell Dave your story, money isn t always going. We talk about around here, get life. Changing advice on your career from my good friend and career expert can comment on my kin common show. According to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, it can com and show is for you. Everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is you were born to do and then will help create a plan to make your dream job a reality. You matter, and you have what it takes:

conversation on the can com and show hear more from the Ramsay network, including the current common shop. Where ever you listened about gas, hey it's the producer of the Dave. Ramsay show this