From my point of worms use among shoes bog casting from a dollar a day, browser that is down just about mortgage hasn't taking the place of the Bmw, the status of choice. I am they branching your host, you jump in what about your life, your money, it's a free call at AAA eight to five. Five, two to five, that's triple eight, eight to five five, two to five.

Dan, is whether in Kansas City, starting off this hour, a dance outcome of the driver, amnesia boy. It's an honor to speak with you to listen to you for years, and I appreciate your input, something for a minute. I absolutely. How can I help good question? I wanted for nine that free and not on your everyday millionaires, we're we're there thanks to you in and help have a good question plant in the garden I have a daughter using pottage he'll, be waiting next year called has been for two. I am working life. I am through scholarships, the money we had set back, that she hasn't usually will be around thirty five thousand dollars or trying to see what we Do what the house, which should we get back to her? She retired to a down payment on a home, what what are your thoughts? Ok, what's your degree in

marketing and minor instinct fish how's your character. You got a great character than you know: she's agriculture, one, Ok, good in the money is currently in your name, or it is her name in a college fund. It is in her name sought in a college with pleasure under her name lash year out some stark, ok and you did- that was from tax advice to avoid give tax write exactly ok, good, ok, so you ve already given all the money he s, but she doesn't know that she has done it's in cash at this point, so when I realized it is in the reverse, we in a similar situation with each of our kids, because we saved before there were college five, twenty nine

he says we just save the money in the kids name in an or for transfer to minors act for their college by the time they caught the college wages Ro the Czechs without using that money. So when they arrive from college, they had a chunk of cash like this, that already in their name that in all day they got that much extra has a head start in addition to having a paid for college and that's exactly where ended up now. What we did was we just instructed them or what we thought they should do with it, and because they were people of character. In every case they did And so they, what do you think she should do with it, and I think Obviously, if she needs a car, she's gonna use some of it for that aren't upgrading car she still and a high school car, something in maybe she wants to move up a little bit paying cash for that's a good thing

Obviously down payment of the house is a good thing. I having an emergency fund is mandatory, for we dug a body that one of those two things I kind of stuff, so you know, she in your name, KEDO, However? It's in your name does we put it there and you ve gotten, thus far, because you followed our advice, you are someone. We are proud of and abused wisdom beyond your years. If you continue that we would, if you continued to be wise. Here's what we think it would look like gotcha, every little plan, whether didn't ask her what she thinks and cannot participate, conversation that plans out This money is going to adopt. But strange on it, you can't it's already and yeah plastered it yet right. It is it is I'm cheese, twenty years all cheese, same as it out. She's already saved your eyes, Gaza or shifted things out. Another own money accentuates uses to dodge, though she does understand.

What saving money money so giving her. That's just get a head start in saying I will help you plan but united tardy in her name and here's everything that I did, and I did it long before this and you may have to, but you do it again, because nobody here something first on retail M is take the take thirty five thousand put it in a calculator and say you know if, let's pretend you didn't touch any of it, you know you're twenty when you're for here's, what it be worse in a meter, great idea and lowering let watch mortal eyes, get big NGO. Oh my god, be a millionaire because of this one thing they want to family tree exactly, but our guy, don't I dont think realistically, that's exactly what the money should be used for, but it's always good to have them. Our farm moment that if I continue my savings patterns and dont Mary do for us

I gotta you know and screw up everything right: then this is where I could end up, and so in that part of the discussion as well. By as you know, it's just at this point here. Making the shift from parents child too, to being a good friend to your grown children so. Do you think of that time? It would be a good time also have to talk to you financial iser as well did happen without having some discussions with them. One on one does not have any about where you could be in there to hunger, but the hunting is. What would you If this was not your child and it was a twenty year old friends care, that can be you for advice you wouldn't in a position where you could use your dad voice? You would have to persuade. Exactly right, and that's not does that's the that's when you change from being a wise adviser to your grown kids and friendlier grown kids versus being

daddy, were you just tell them what to do and sounds like this? worthy of that she she strong. I mean she's, she's, great waiting early she's got a good degree field. Money on our own from high school are bad, so He's got good character. This kid's she got she's in the position, so I think you ve got a great congratulations, open, founded Cripple eight eight to five five, two to five or question that comes from blinds dot com. They have a one. Represent satisfaction guarantee. Even if you miss measure, pick the wrong color, they will remain you're blind for free free samples, free shipping, new promos always use the promo Ramsay can is in Arizona making extra payments on my mortgage, but when I do I get build for extra escrow which Get a cheque for at the end of the year. Is there anyway. I can avoid this mortgage companies stupid. Ok, don't make

extra payments on your mortgage make principle payments on your mortgage if your website that you're doing the payment through allows for you to have principle. Only that's what you need to be doing. You don't need a pre pay interest Morgan pay December's payment right now. That interest is not yet do and you certainly don't want overpay asked absolute zero in effect the lad. So what you're? happening is their counting this as next month, month, after month, after payment, and that's not what you want. Do you want principle only you're, sending in a check right principle. Only The account number on big letters again

right principle: only stupid, I said prince below light and keep working it that way, but you ve got him to actually apply. They can do that once a month is what they limit. That do. You have student loans. I need you to tune in right now and listen. I've been telling you to refinance your loans were splash financial, here's what I don't understand, many of you who have been pre qualified the reef and answer student loans to better rates have not finished your dad gum applications. So this is simple finish it. You could safe

thousands and you pay nothing to refinance, go back to splash financial dotcom slice, Ramsay! That's how they know you're one of my listeners, splash financial, dotcom, Slash Ramsay Jordan lag flourish, Asian Boston, Clarissa? How are you married? Then you better than deserve. What's up I have been working on my baby Suggs. I data car and all. I have left my stood alone in a credit card that is incorrect. This credit card recently got so to another debt collection agency and offering me a settlement of about two thousand dollars.

Nineteen nineteen hundred, I thought technically all about six thousand on their credit card. So I'm not sure if I should go ahead and saddle, and then all I have left to pay off. Is my student moon, it better they are not and how that would affect my credit score. What really scores politely pretty screwed up now, because you ve already gone in default on this loan right credit cards. The fire it I've been paying it, No, my military, they didn't offer you a settlement. If you are current, didn't I I am turn, but I'd pay every hiring and I've been in collection. Or maybe two years all about time. It's bending mean your credit. You know that right. Yes, I do ok. Now not reward. But your credit to this point,

and so on. Do not take that deal now Thank you. In writing from them. The offer nineteen hundred, not verbally over the phone Ashton You can get it by email. I don't care, but you need us a written document that you can keep in your file, ok nineteen hundred settles this in full settlement in full, our guy second thing you do not allow them to have electronic access to your checking account, they will cling you out. Ok! I'm no checking account information. You the pay them by wire. You can pay them with a money order. You can get a pre paid debit card. You can do whatever you want to do, but do not allow them to get in your checking. Account ok, But time and then you would settle that now, that is, damage your credit. Obviously it's already damage, but you didn't pay the bill in full and

get all of their money, and so that's gonna leave a being on your credit. So what you're trying to get out of that? You have a measure behind just get on with you. Ok, let's do this The second thing is that debt debt, that is forgiven is considered taxable income, so they will send you a ten ninety nine for the difference, so you're gonna get an extra four thousand dollars of income, that you have to pay taxes on next year, and the like Will you that they're gonna turn that IRAN they usually do hose? The who was the original a card with no likely Wilton ninety nine. You then for the deaf. Well. You know that you have taxes on four thousand dollars next year, income alien to increase your tax bill next year, but ya would in all those cases. Sean is what Man Phoenix Arizona Sean welcome that I Ramsay Shep others be to you to what's up

so I was released from prison about a month ago I was in prison, they had appeared, on dvd, so we got to watch it and they had little many class, and I really like to learn its principles great, and when I, when I got out, which was last year, I dad Gimme a car which was a real blessing, but my grandma so passed away, and I inherited ten thousand dollars which I have been at. I put it in the sea because I didn't know what to do with it. That way, I couldn't touch of economic interests, but my car On its last legs, I've spent fifteen hundred dollars and repairs the last month and a half, and I can afford new car, but I know how you feel that new cars, I know how you feel right and left about new cars. I get my question is: do I do I and other better that I'm gonna put more money into or any money up sitting there. I don't really know what to do. I gotcha so what's your career, what are you doing right now and is working to call

senator simple job, but I have a great potential job. Opening up, it's gonna be working for state of her alone and can offer me of potential for retirement twenty years. It's a career, so right now and is doing a job because it pays models identical fifteen percent of each paycheck anything's account fire might affect my car. I'm really smart about my money data. Really, I'm brightest I'm kind of at a standstill and eye color fork in the road is my cars. Only the more money than I know what to do, and I got sixty miles a day turned from work. Sarka. It puts massive miles on mocha ya. Think we need to move up a little in car, but of course, would pay cash for that. And so what were the car sulphur I'm gonna be lucky to get a thousand hours might happen. Thank you too, for it, but I'm not gonna get a thousand hours it s. Probably right lobbying. Before it and if you took five thousand,

ten thousand and put that whether you could get a seven thousand our car that be a whole lot. Better gardener got now. Maybe a real good car, no car payment. You know that and certainly not a new car. You know that I'm gonna continue to save and now you're. Free. At that point, and you ve got a better car, am I correct? surrounded and I'm gonna build your emergency fund up. You know the baby step. She watched the Dvds and Belgium emergencies. The three to six months of expenses, and then I'm gonna start saving tour. My retirement long term and, as you said, your moving into hopefully into that state job and for how long were you imprison seventeen years while for one the time monster. I don't really want to get into run radio, but there is a long story made a lot of choices, but I guess well aware in in when talking about the baby steps, I dont have a house payment, but a huge dream, a mine as to how the house you so like Lord, why

But then, in my baby sense, because- and I started this My time and now in another Anything towards ask around this panorama made Get your emergency fund of three to six months of expenses. Built abide, of getting this car parts so happy about the car you're kind of down low on cash or down to fifty five thousand dollars right, correct We need to build that back up, that cash back up to three to six months of expenses and then from there which starts over for a down payment. If you want to, I would not buy a house and you get to stay job or two or to get a better job, and you get you get in your career. It's ok to rent for a little while get yourself established and so forth, How long ago was it? You watch the Dvds three years ago they operate and they offer the low many class and he was twelve weeks reactor to class three times. They laughed and make us. I could go on back but get on my nose. When I have questions in mine I took copious knows I taken the class many times nurture mocha? Why don't you go through? It again

Ok, I'm gonna pay, for I give it to me like you want to be part of your future, because I think you got a bright future. It sounds like your past. You got no rearview mirror, which is where it belongs. And I with windshields bigger. That's why we call it grace. So you move forward down the passage in the past and that's good stuff. So, hang on and pick up we're gonna get you signed up again to go through financial peace University by the way the nine wait clash now and we give you a one year: membership to financial peace which is all the clashes online- provision universities, all online audio and video. All of legacy journey is online, which is the follow up. Car reach money, more kids, for those of you want to your kids. How to handle money is part of it streaming. Bunch of our love events is part of it. The everyday Plus, which the plus hooking up to your bank. That's all part of it. So much

six or seven hundred dollars or the stuff. We give you in the first year of acts, to the membership and people renew their membership year in and year out because they want to stay. Under the community. They want to keep using the every dollar plus and they access to new lessons that we continue ad. Different subjects, as we should videos and put them on their from Rachel crews. Chris Hogan me, you'll be seeing some in the future from other people. Like even can com and will put your career stuff in there at all falls under the heading of financial base. Be sure and check it out, good stuff, folks, there is a community- and there too, that is rock solid rate on community either in the plan.

Apiece. So be sure you check that out too. So I will hang on we'll get you signed up for that brother and I was proud he got. Your future is bright. That's as good times this is the Dave Ramsey Show

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and you came here to do your debt for each Graham. I specifically came here just to do that. Yeah! Oh, my goodness! Wow! It's nice you ve learned its of honour to meet you. I mean we ve had folks that were international. Did that free screamed before in person or on the phone but by ever came here just for this. They usually found it as an excuse, rather than something else now had come, wow very fun, very funny, well congratulations from looking out of you paid off I've. Actually, it was in dollars, so I've paid off forty, seven thousand and ninety once said, and it was done over a period of twenty nine months? Ok, very cool and your range of income. During that time it was fifty nine thousand to eighty five thousand dollars. Ok, you converted from pounds dollars or you are bureaus hours. While look at you. What do you do for a living? I reckon

duration, so hateful operations, yulka, very cool bork That was the forty seven thousand. It was a lot was student loan, it was family members, it was rent, it was. It was everything in everything except for credit cards. Ok, and so I'm intrigue to how in the world did you get connected us in the UK. Ironically, before I got connected Tita Yes, I was living life. I was living life. I was living beyond my meals and then I got made redundant and in the these are being made redundant. I sort of lost my way. I didn't have money to pay for anything. I was on benefits. I think you guys what government assistance right randomly knew? You were laid off from your job? Yes, I was Meda yeah. I was laid off

so I literally hit rock bottom, because what I was getting from the guy meant to assist me to live with, enough to survive on. I have move out and move in with my brother point. I had to go to the food bank and sort of pick up some food from there and it so embarrassing, because I never been in a situation where dependent on somebody else, I'm I'm the older sister out of my family's. I was very much the mature one was the older one I have. I was meant to have the most common sense, a bad I didn't so. The started like that it was. It was such a terrible time. I went through depression, it was, it was horrible. I really hit rock bottom,

it took a long time for me to get a job because I was getting rejected. I was getting rejected because I was too how to qualify so even when I try to do jobs lower than my original, scale. I will. I still had too much experience. Nobody wanted to invest in me, and truly I got a job in January, twenty, sixteen Hadn't head from you still haven't learned my lesson and it was my month birthday. Twenty sixteen may I decided, I deserved. A new car even the light through what I went through. Illiteracy, hadn't learned the lesson. And it was the introduction. While I went to go and look at a car, I was meant to be the documentation for it,

mind randomly called me, and if I science, and on the dotted line she said to me how Are you in debt by that's the first time Anyone had asked me that question and it was the best question should have Me she's got a. She encouraged me to watch your programs to listen to you. She encouraged me to come up and set up a budget. Side listen to Toto Money make over from Youtube. I'm sorry, your father! I should avoid the book, but certainly Chile. I listened to it over Youtube and it changed my life and I couldn t I couldn't go back and if she, when I calculated how much debt I had, which is equivalent to that six thousand in the UK quite high I cried because I never thought. I was that much in debt, but I knew was hard because even paying Roy

I was in arrears. I'd had I just So you are you: were you born and raised in the UK? I was born Uganda in Uganda, yes, sire, Uganda Ike. I went to the U K when I was nine, so everything of land has been familiar, Uk Yellow and that has been a great journey, but I think that my ignorance was not just I should have known better, especially as my younger brother is wealthier, that I am well. It feels like we all. Numbers. I am glad that we were therefore you in that you found something you two clips that helped you come. Oh yeah? I became a Youtube crazy up all your war, the crazy you hard core, yeah yeah, I'm watching us alive. Then I guess I've got my family watching lie. They couldn't make it today, so they watching live well, hello, family!

so this is your birthday- I heard it is Dave my birthday day thing key, went away the alibi, stay and declare your freedom. Yet out of love it gathered, very close the window. You fly home our on Sunday, aka girls, be moving on Sunday and I'm I'm. Although I visited three different states- and I'm glad you welcomed me- all I'm good to go home about. How are you if you're in Nashville this evening, we're gonna buy you birthday dinner, I make sure I'm here. Ok Nashville has a great food scene and other several the celebrity shifts in the area that are friends and work the on one of those and let you have an incredible birthday dinner. You come on

Ok, we're gonna, buy you done our southern hospitality. Thank you so much while all congratulations are very proud of you. So what are you people the secret to getting out of daddy and remain focused its heart? I'm not going to lie. It is hot if you're doing it by yourself and you found he's not ready supporting you, they don't understand it and you may some friends along the way, but it's ok it would be worth it where I am aware your biggest cheerleaders, my family They are so amazing, we have a large family. My grandparents gave birth to on just my mother's side, this twelve aunties and uncles awhile, so where a large family, you have larger brothers, sisters, lodger, cousins, yes, so three boys, two boys underneath me and then I have a few others above me gap yoga.

Very call for equal work regulations how's it feel, you did it? I can't tell you how free I you I mean I wouldn't be here. If I hadn't paid off my debt and I wouldn't have travelled, the three different states and now I'm starting my journey for the next chapter of my life. I feel like that was the end. Now this is the big I'm so happy. Actual war m were proud of thing, you're, absolutely right very well done. We ve got a copy across Shoguns book for every day, millionaires you're on your road to be that that is the next chapter for you, you'll, never know back you and on you are done. Proud of you? Are I Julie all the way from London, England, specifically on her birthday, to do her dead for each agreement, our lobby? What an honour for us? Thank you so much.

Forty seven thousand dollar afraid, often twenty nine months, making fifty nine eighty five counting down, let we're dead, really screwed up three two one my goodness and you gotta love the power podcast and you too, They go everywhere. Another so good! So good! Thank you! God!

is the they were show for coordinating Tawny is with us and of an organ tawny broken with the referendum. I didn't think you'd think my car chirped puts up. I'm wondering if it's ok for my husband to accept a temporary protection to relocate her

only across the: U S: you're gonna, relocate across the Pacific across the stage for a temporary position, all possible temporary, but there's a chance. You could get picked up ancestral, I've, it is neither there must be some reason to think about this. Many must be how reason you all are considering that, because the sounds kind of weird yeah well. If you really want to get out of the area to the location of unification. And what are the word? Were What what is appealing about the new location. We do not becoming area nor coffee feeling out their origin. We want to get away from the level. Is anyone right now get you a mocking? Certainly, burial! Look I'm with you! Ok, let's go out than that!

it sounds like you would make this move any way that making it exclusively for this temp position. That. If a position doesn't work out, he would look for a job not in Portland Oregon Bud. Stared in the area that you're moving too, and he would have done that. Any way is my point. So it's over the army in order. If you were moving somewhere, if you where you are- and you moving to a place that. You didn't necessarily Carrefour just to get a temp position or not. Will that be strange? You know because a year I would want to permanent position before I would make a move, but this is an area that you would consider living in any way and you guys you're, just gonna say to yourselves. Well he if this doesn't work, he's gonna what what field ASEAN equipment operator, more people to be right. Now

and he would be accepting positions at the feet of the eight hour or so It is like a dodgy crane operator. Yeah, What are you talking about? Moving too at least not in Atlanta, another little north of it, and so on enough construction going on in that area that he could probably get a job that not with the vizier operating heavy equipment, goodnight yeah? Ok, so yeah, I'm gone, let's go! Let's do it. Hey, I'm a files on how we, how about that? If we do that I get from our house and a little bit of what sober. What would be the smartest way the girl ass? They care of everything You got this pay for the move out of that money right and then, when you get when you get the move and you get settled,

spending as little of the equity as possible. Then what use that equity once you get the moving it settled to up to wherever you are in the baby, steps which will be clean up that make sure you have your emergency VON implies rights, but let's use the first to make the move, because your man Well, that's all! That's a long move and so you know, you're gonna have some cash they earn. You can have some deposits and things with utilities and rents and so forth on the other end, but I would just move, although over there in rent, something right now and user equity too become that free and to make the move and then a subtle and start thinking about saving up and buy a house and get his job a ball and all that kind of stuff show a good question thanks for coming cameras where those Raleigh North Carolina High can welcome the driver, amnesia Randy, you better than I deserve. What's up,

had been an hour currently on daily step number two we have about twenty four thousand and dad can we have a life insurance policy that we took out on our oldest son about nine years ago? I value- is about forty forty two now with wonder if we should take that out cash it out and put it into a college running stayed in the mahogany. We suggested it to watch that you, home without delay, agreed the. I would pay off the dead Michael. Emergency funds in place, and- and our building his college fund ones. We hadn't college Well, we have about probably any more years older and your house already Well, we can't we bring it in a little over fifty until I go back to work and August so and then you'll be what No, we're probably be up more than eighty thousand Nokia vertical if you don't have any dead and you're living on a budget than you had an emergency fund, that would put to add baby steps for five

six. We call it alone, if you ve heard of that yet, but the maybe step forwards, you start putting fifteen percent of your household income into retirement. Five is addressing kids college and any above that we can find without the house and pay off the house. But it sounds we would willingly down on that on that college savings really hard to make make sure that we all want the college now make sure we replenish- has been used here from this whole lie policy, but on definite cancelling in trash value. Love I don't ever keep that stuff around in effect the cotton cash out. Yet why phantom? They shall not exactly, and you know, freeing up your. Household income not going into bad are not having payments as long as you stay on the budget and used what used to be those payments to build your retirement. His college, then you're gonna come out. A head. As result of this move mathematically, if you take the you, if you pay,

the dead and you have but manage your money and you spend everything and do any investing for retirement or college. Then this was move. You see what I'm saying gotta follow through and do the budget and the two of you have to working together and work those baby steps hold on I'll. Send you a copy the book, the total money make over Madison I'll pick up and if she you don't already have one will send you want an illusion exactly how to do this very, is weathers and Saint Louis Highbury. Welcome that I Ramsay show, I don't think so. Sure what's up I'm gonna grab a depressed economic area area. We have a deletion, how no savings, no retirement, no

Does he know anything because we had to start over because of the health situation in because of the loss of a good job. I make about thirty thousand dollars a year family of seven, I'm giving you structured settlement in my wife wants to get all that money and go by a bigger budget house have no savings, will return. No investments, not nothing HU, I do here. What is your current homework? homes was about eighty thousand now about fifty four. What does she want to buy? somethin them two hundred thousand our range and how much is your structured settlement- we don't know Another thing we don't know for sure works. Betty Bobby turned two thousand are less and humming Seven. Children live at home, still

I actually, nine children was five at home after we adopted children to foster care, some guessing she's of old, I'm mom. She is about Burma. And I'm getting I'm using it's a little tight and how she ran. Well, yeah, really we encounter situations, but I've got a story to have full bedroom with a full basement. Big lot bigger, odd shouting, brick trim What is it? What is it that she wants that the other house out problem more the kitchen situation for her, I would say, would make her happier aka or about I've, got it what about renovating your kitchen, stood a moment about building on probably mean my issue is sure to I've got a four hundred and thirty dollars aspect, which is unheard of last Wednesday

People were in my town. Eleven hundred do well don't mind you guys using some of this money to better quality of life. That's awful Ok, you shove it. It just needs to be done wisely and joy only speaking guy can live under a bridge? We don't need much and Ladys need have. You know enjoy some of the other things, lifestyle things a little bit more, I dont get why we, my house with many times with my house. I don't get it, but Okay, we ve got the money and in this case you ve got a certain amount of money you can allocate to of better quality life, and that is probably

The thing I don't know exactly what that looks like but which are not spent all this is that Abrahams Asia. This is Jean Charles producer at daybreak. Shell did you know you can now listen to the day. Ramsay show on Pandora Aunt Spotify for all the ways to watch and listened check out our showcase, Ramsay dot com, slash heavier.

For fun and practical ways to save money in your everyday life. You need to check out the Rachel Crucial, a pod cached from Bunny expert, Madonna, Rachel crews, guises rates of crews, and I'm so excited to tell you about. My party: has a lot of farming paychecks paycheck their end as you don't even know where to begin that they have this need this wants to get in control of their money, and is that you have come to the right starts so in Egypt, the cellular and get a time of inspiration and practical advice not subscribe to the rates of crucial pod cast makes region. Today there are more from the Ramsay network, including the Rachel crucial. Wherever you listen, depart, gush, hey! It's! producer of the day. Ramsay show this