On the headquarters of Ramsay solution. Broadcasting from the dollar car rental studios gives the David amnesia that is down just came in at all, but it has taken the place of the Bmw symbol, Monday Remsen euros Michael over here on the air today, Crystal Ramsay personality number are two time number one by showing author, including the lightest best seller every day. Millionaires where to answer your questions about your life in your money, open phones, a triple eight eight, to five

five two to five, that's triple eight, eight to five five to two I've Samantha is whether Sugar SALT Lake City I cement. welcome to show. How can we help? Are you crazy grieved to car keys? I love you too, Gaza, United. So often, first of all, those who helped me so much I mean increases, but right now over them. Everything millionaire I am a Monday step, one I'm working on them a thousand dollars. So bad. So. I'm going These are my question I know you got. It seems to me that that is not a small. The largest. However, like ample? If I have a lot more than either pay from the last place, I was that that take, I guess but take any sort of like for the word here, move it up in the baby, move it up in your debt, snowballs! Actually, warming-

they re. What is your? What is your situation where there are, they can reassure you to Morrow or have they said I'll, get to it as quick as you can, or your pain of payments, or what, yeah, I'm an undertaking, her payments right now, but I'm just asking cuz. I had a lot of like old that from like by the cones and student loans and stuff, like that, so I'll saying how much I should grow at it. Instead of doing or small Instead, you now but more urgent to pay not by means of ensuring per se the way you now King King people off for you pay our companies sort of thing, because if the item the people need it more than the credit card company Mozilla companies are bought by bad idea, everything is not sure, so am I gonna total another? Forty thousand dollars.

Right now, I'm doing more than ever it. I dont have a sort of any other job right now, just because a covered everything so make about, I would face, hundred dollars a week doing both groupings. I'd say, maybe forty five forty five thousand year. What is your largish dead alone as vague power? We are on this thousand dollar incident loans somewhere around their mothers understood launch twenty five thousand a year. And some our? U current, where your currently live in right now, I am ok. How many deaths do you? Are you not paying payments on today Well? I'm in the process, I does when I look at my so I guess I haven't brine,

how many eminent somebody down your six month or more since I've got any money oh, I would say most of them, because at home confident that for so long in default on most of this year. Pay my plan with a landlord, so you're paying vat the old landlord month. You got a lot of medical suspension or six months a year, two years right right. Ok, here's what number! rather to dutch no boss, that's mobile number one is everything that that you are paying payments on now, that's normal, Virtue is everything its collections and in default. Did you not paying anything on anyway, which problem registered loans right now. It does show that Debt, snowball number one, is the landlord and anything else. You are currently paying payments on which doesn't sound like a bunch

and we're gonna lish though smallish the largest we'll let the other set, because I have not been getting any money anyway. So Chris let's not get any money, no that's exactly right, and but when the time comes Samantha people, if you can afford to pay, you can pay attention right and so that means reaching out and communicating. But right now you gotta focus on this active list, and I want to tell you the next step, for you is going to be stability and income coming in. you know. What are the true delivery step that you're doing, but you need a dust off your resume. You got you got an income problem and that it Our problem is leading to have these other issues, and so there is no more waiting on the job. You need a job. He also setting up setting up the the danger, paying payment, Jonah straight up debts, noble things! been paying payments on just shut him over the side they nobbing money anyway. We're on your way was fast, as you can through that debt snowball. Then, when you get to the ones that are in default, then you can them off, and you got it

Those in whatever order you want smallest largesses best, but got someone. That's an individual friend that you, oh five dollars to that you wanna put at the top of the list. That's fine before. You start inhaler with fifteen thousand registered lunch. It would be up there anyway now One of those you're not gonna, call the whole bunch and start payments you're too. a call right, varnished one on the list and finish the bees. with them not could be that no credit card campaign in three years, they're gonna be brush to hear from you, your own, thousand dollars. They'll probably take two thousand dollars a settlement in full, so you save up two thousand dollars. You work a settlement in full lumps payments on every one of those in the second list. No pain where I know that you guys say like to wait till the end of the month. Negotiate company like that, because that's the best time of the month, the glass

he called out dynamically and you can do that, but it doesn't matter. The big thing is: is that you build up a package that is a portion of what you owe and you offer them that and you settle at lunchtime you get it in writing. There are no electronic. Actually thank you for bringing about up getting it in writing if they wanted to put it in writing. It's not real there, just fishing and so on I'll put it in writing it's in that you now. Would you get ready to pay them pay them with a certified check? You keep a copy of the check in your file and you moving down the list. Good stuff, well done, and found a triple eight eight to five five, two to five. Let me tell you: is magical about Samantha. for the first time, maybe in her whole life, she taking control of this. It she's happening who all of this mass instead of was mesh happening to her. We got all bad debts old bad landlord old, bad, which measures

Pattern were years that this has been going on. And I'm so proud We shall now that a girl, you know what I'm not gonna, let happened to me anymore? I'm gonna start happening to stuff Stephen come. He said in the book the seven habits of highly effective people. The number one habit was highly affected. People are Pro act

They happened to things. Things don't happen that you can hear it in our voice. She's she's, dead, she's been taken in the information, but now she started get confidence and that confidence, that's where the gains starts to change lab and not of a couple of those. You start to feel like not like a wet given that, like a lion gunman out and you get a roaring, you know this is the direction.

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going up? me and my wife will be having a baby may of next year. basically I'm looking to get to decide the best way how soon to get the baby set up right now I have jotted down upon me twenty nine opening an index finding the baby's name they eat, putting the baby as user credit house than these things, which one should I go for The last one. Never They should never be an author azure on your credit, You cannot ask you can't form of I'm sorry. He knows is lacking, giving them access to a carbon older, registered island credit- I don't want the building grad, unless I don't want them to go into debt, honey, and are you fully understand here your views on credit cards, but I was just wondering if that was like. I do something good for now.

Uk Ladders, Gaelic closures just get outta here, it's wanted to know, but real that vital school. All measures is: how much did you have how long I've had it the type it is and the like? That then, given your more so I dont your kid I want you to grow up. I want them to be weird but never know death because Daddy had his act together shop as far five twenty nine. He has to be borne in your term social security number, so you can apply. Security number after the child is born and then you can open the five twenty nine or I say or in India, fun in cases. You will be the custodian and they account at all in the child's name but you're in control of it, and so I would just start with five twenty nine, I wouldn't fool. An index fund was going it's five. An on going as a good step, and that's only if you are at baby step. maybe you're out of debt and out

Indeed, I know I've heard you say this, but I want to reiterate for people out there if someone is in debt and their considering adding to their family, are you telling to wait until their added that before they add to their family now I know that just what you say: love again when we don't pick marriages front, our babies based basin, whether one that are not right, but in cases Whether you're married or not whether you're having babies, were not even we work in your way, though fire you get that and Bell wealth and irrigation show that that's what we're goin after an so in Transcaucasia is pretty simple. The only thing I would do of the three things he was asking about, as I would do the five twenty nine it started if you're at baby step five great news as these on their great dead, because he's thinking about all these think he's intentional and overall, the best thing Could do for the kid is to get through those steps like keyboard

the planned yourself and don't do anything that put you going backwards at all that allow you to make progress for yourself and his baby. Congratulations that that's awesome children's in Chattanooga, I'm Mitchell, our you good day by Chris. So Did I became an insurance broker and I found are Williamson and him I found you, The question is I've, never the ten ninety nine contractor, but I also still working on time as it W to employee, and I dont know how post file for both of fire, one at a time I know how start with that we're propaganda, professional help you do it, but it is fairly simple, ten. Ninety nine, your self employed it is a soul proprietorship of a business, and so you have. w to portion of our standard tax return, and then you just Fill in what color schedule seas schedule see lists the x income.

Two to ninety nine in any expenses associated with your business? And differences called profit in the differences. Taxable. Ok, great, that no thank you so much banal Mitchell. Thank you for regional, because a lot of people are gonna find themselves in that situation, Dave when we add one point had fifty eight million people unemployed, people that are working hustles inside hustles, and so you start to get these tax forms and keep them in one place. But you want reach out and deal with the professional that can guide you the right way and unwarranted our tax will endorse local providers. These are people that are in this game all the time. They know exactly what they're doing yeah that's what I do the tragic check on one of those because here's the thing you may be able to write off some things that, dont know about, and you may not be able to write off some things. You think you can answer. Worth it. If you ve got a schedule, see if you got some self employed stuff to get a pro on it, just click eel. the day room. She got com and those guys are unhappy, get that done.

It's a fairly simple process is basically a lot Often lost statements with the schedule. C is at your income for your business model. expenses for your business equals the profit or the taxable none of your business the love or Kentucky. I Ricky welcome that IRAN's nuclear, hi Deveria great men, how congressional help. I made a mistake, and I thought I collar I'm a little more minutes worker down and I'm the best option to do good work. Maybe support them under that option to get rid of the car without having to voluntarily surrendering I can't get out now Carter always Gainsaid might stop Oppenheimer. That's ok! How much do you on the car. I write about eleven thousand and watch it worth. A council working came around six that'll do

did you roll over another car loan? On top of this long? I didn't live. How did you overpay that much for the car? I think I was it that's what do you get a car, and I was looking at what I needed to do before we blueprint was a trade in value were of profit, soil value. No, I'm not I'm not a pretence at another, unambiguous I can t believe it you're looking for I would say, or which is more than trade in trains. What I'm doing I will give you for it, and so what is your income right now, my age and ninety running down, but I'm averaging eight hundred a week ago, you're so far upside down? If this number is accurate? If that is actual private sale number

five or six thousand dollars and the whole fifty percent. On this thing it's only eleven thousand dollars. You're making fifty thousand dollars a year, go ahead and just pay it off. I would just point, you're that snowball an attack it and get it paid off, because trading out. I was gonna. Do you that much good? If you try out of it? Your move from our thousand dollar car to a one. and our car, and you still got a six thousand dollar that cause. You got to borrow the difference and they said by the time you do all that I just pay off the eleven grant. Just get about your life Ricky, that's where Davy we have looked at the treated that sounds too far off without it, screwed well maintained on which it was moved possible. If What? If listen you get your throw your shoulders back started intentional- and you know you're already looking Ricky at ways of bringing in money,

puzzling just get this thing out of your life, but just take care of it right. You want this we continue to run so you can continue to make money. That's exactly right. A triple eight, eight to five five, two to five Chris organ rooms. Personality is my co host today, here on their Chris, I think cars. We don't talk enough cars. They are. I love cars, a car guy, but they are often a trap, and all my goodness, Not only is it a trap, but it can catch you at the most in opera, in TAT. I remember years ago. Pity is pre Dave disapproval I with looking yeah ever gone? Looking you just brows and wouldn't intended by, but you go look

guess what colossal partner stray dogs to follow. You haven't yet follow me. Hold the vehicle, came Anna payment. So guess what I don't go. Look now at all brown, so be careful what you again I go to buy. That's right that I ran at Tacoma,

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so we ve got some Eight eighty stories around her under sail out there, like guys, will welcome how much of you paid off pay two hundred and seven thousand off all right along their staked about ten months. for you very cold and. What was your range of income in their turn? Much about one, forty, two one, fifty good for you! Ok, what do you do for a living? I'm a nurse this in emergency department and I in a straight at work, can show you either had some money and savings to throw a desert. You're sold something well. I wish we had money and savings to start, but we we started with nothing, but we are sold a few things. The canning get jump started some small things, but the biggest was I signed a loan embarrassment, contract with the National Service core to your service commitment for fifty thousand

there's all bounding of it and then the other fifty seven thousand. We did in the monk that makes the math word Emily. Tell me: what did you will pay off? We pay off and many van credit card and streamline street at low so he got lots and lots of student. Many many ban, you ve gotta once well. They have to get a new outbreak out meeting many backsliders ensure that better both were you. Gotta pay off grow you're. So what happened ten months ago that lets you guys on fire? I let her do maybe a trip to help you Bobby. Ok. Certainly after my purchases call Calls- and he says- hey- we don't need to spend any more money. We basically have enough to cover the bills until we get paid again and I just got off the phone, and I felt fused. I thought discouraged because I had just went back to work from being stay. Oh mom, he had finished school

started his new position in the e r as a provider, so we had just doubled or income here. We were not enough money by the end of the paper, it is an exact paycheck just so what did you do Well, I am birthday We need to increase our income and then some our brains are, will all go back to school. I thought well know that I'll have to take out more student loans sobered. We would really help thought. Now we need to change our behaviour with money I called kyle- and I said: let's pay up this debt. Let's change our behaviour with many. Let's do the day bravely plan. Let's actually follow it! This time also, you had already moving. We work with this kind of around three more naughty, not even the issues around you're book goodwill theme

The four guys is basically a poster thou hast area. We read it and we said always. We should definitely do this at some point. Will the announced on balance that hardly lobby trip broke the ice yet, but once see said she's she's right They do it. I said this is our chances in the nerd was at least one Zalm, horrid I'll I'll do anything so who's the moon had occurred, fell out anything with charts and and figure out them I mean when we first, I said I think we can get this paid, often eighteen months, if we really buckle down and then Now we kept crunch numbers and saying: oh well, maybe like thirteen months, sir, there would you could have considered that service contract. If you weren't in this this big game that your end I'm gonna win the game, not guess that's! What's going through your nerd, had I know that's why my brain works. Fortunately I mean I I was there

do it at a place where I was I've been working as a register nurse firm for a couple years and that opportunity came out and and they are one of the hospital that you are able to do this with and so you're gonna be doing in any way out to it was perfect in you now enough. We if we would have done it outside of this I still enough. We would have just buckle down and finally done it, but it came it up time, a link about five or six months in Irving and said I was a big big date. I hadn't, as God, when you start those marched, I've got looks dagoes. Ah There is one. I can trust. Ok, that's exactly sure I'll give you a little black euro count on before someone you and give you think he does that I really do how much was done. Stewed loomed up about sixty four was mine. She had about three or four thousand did the majority. She had. The many ran out of control of each one of them. Go you guys.

You will have any major cheerleaders throughout this journey. We, I would definitely say our two boys deepen miles Dayton was here. Motivator yeah he's he's, eight year old and he was on board right from the start from in always watch the show and podcast with us and was in school one day, and I had a teacher story about this girl that wanted to help people and forty get solar panels for everybody, and she said the yalu can help fill out loan applications for him to do all this and raised his hand in class and said why

you do there like. Why would see? Let them go into the head without, as everyone gonna with every guy honours, all cabinet or nearly a month ago. I love it is a big man. Well, congratulations. You guys were very proud of the way to go. You brought the kiddos with you. Bring a man was a mortar, their names and ages so have date, then who's gonna be nine in a few days and then miles is fine. now right, very good family. Well, so what do you tell people? The secret to getting out of debt is definitely for me. It was no the why in my, why was for financial peace, because every day but two thirds vow to eating a peanut butter and jolly for lunch and not going shopping, and I definitely add a note the. Why and remind myself that nailing mine was the reality

this being intentional, just intense now they like waking up every day in and we had thing to show us our goals and keeping track of all the dead and making sure I'd. You know, balance the budget every day, not something that was a habit for either one of us and just being very intentional and again a goes back that budgeting, knowing the why and focusing on it- and you did all of it off- of a total money- make overbook from good well yeah. How am I talking to fight and we just wages, consumed everything after that very cool, so now that you're done tenable real peanut butter and drought. The engine rush was it worth it Hauser feel absolutely am I guess it's we still, it still fails. surreal, not in our not having a payment. I haven't Emmy Warehouse payment, but not having any other payment in the world is a pretty good for a pretty girl

go and Dayton's knowledge you get solar panels were issued by an all out of my and our love and we're gonna copy acres organs book for you, everyday millionaires and unborn best seller and, of course, of the next chapter in yours. a European orientation icebreaker. How do you do one. Twenty nine thirty next month, so probably by forty or so you'll, be there maybe thirty, seven you, my good money, you're gonna, write their united to continue sacrifices as well, but just continue to be intention. Lemon out and that's what we saw when we studied the millionaire. That's right be hyper intentional, get connected with a smart based approach and, let's walk. this thing out. You are some rowdy operator on well that our eye- than in miles you guys, ready,

Eroding our I here we go, call Emily Nathan miles all from ETA Oklahoma, a hundred and seven thousand dollars by it up and ten months, making one fifty or one forty two one. Fifty cannot download Zira debt free screw. You want to Well rehearsed review like a red like a little longer. What I've done you guys so Is it going to be your turn? I'm talking to you

your turn. When are you going to decide to say never again and put yourself in a position to win with this stuff? This is the Dave Ramsey Show

four thousand. Roundly personality is Michael Holmes today, you're on the European Fund to provide aid to five five, two to five. That's AAA they two five, five, two to five Cathy years, whether some Minneapolis High Cathy, welcome that over amnesia. Thank you so much both are doing well. We are, how can we help them My question for you is, and at the end of the divorce were at the time my word, the division, it's happening of assets. I was awarded the homestead. It has mortgage and a he lock on it and

after the quite girl, and you know the division of all poor one case, etc. I'm getting a payment of hundred and one thousand dollars by two hundred thousand dollars other is in Ross and I'm wondering if you would advise me to refinance the house or if you see. I could use the money to pay it What are you on the home golden mortgages? Fifty two thousand but it was a ten year mortgage enough for the payments hefty like over three grand a month. and then he like is a hundred and Only five o How much is outstanding on the balance? Yeah? Ok, ok, actually go to quarter, which the house worth its worth about. Six hundred, you got children at home.

So we have one minor child and to adopt children, and the motto child at home with you. He is a man who spoke it is about, but his ages. What sixteen ok! I am. What do you make. So. I've been Seattle, mom, but Do you have my real estate licence, though I will most likely. Continue to do real estate, I just dabbled in that fight. You know I can. I can answer that but I do you know, I do get up pretty substantial, smuggle like how much like sixty eight sixty five hundred mocha coffee. What does this house mean to you? there's there, an emotional tied at this home. Yes, an it's where my kids wanna, be.

Do have kid. I mean I had kids here, yes by you know if I. We know it's on water has a pool. It's like a country club. It's a beautiful house country Club for training, needs love, Well, then, I ask that because you lead with what the kids wanted and I need to know what Cathy wants violent. Ok, I know why I received as a birthday gift. Eight financial analysts from farming with my sister bought that for me So when we were doing all of the calculations, this gave me the greatest you know by now, future by own by keeping the house.

As opposed to then having to go by crap. That's that's. Ridiculous this money invested in other things, could give you a much greater rate of return and owning a. How should you can barely hang onto by your fingernails when you only Mammon income yet and you're rebuilding your life emotional side of that. natural, analysed wrong. Ok now If you won't stay in the house, I'll help you if I had to stay in the house, I. looking in from the outside Azure older brother, who has not been involved in the emotions of the divorce and at my heart, ripped out stamped on by muddy boots. I have a different. You have things than you have ok, I'm here they'll trying I'm gonna just step all over you ready. and your handling out you're trying to do now represents the past and the good parts of the past and you want some of that and I think, there's a future and it turned out to be this year.

It's not worth, cashing out your retirement all down. To this thing, I think you author hustle some real estate user, sixty five hundred dollar income- and you pay these- in payments, and you hold on to this thing and a year from now on the latter. Get ready, gloved, ecology, you decide if you really want to be in the country club as much anymore. Ok, because I You move to a different property that part of your emotional healing in your fresh start. That is now strenuous as this one is because Tom. You walk in a room in this place, something some bell goes off for the rest of your life. tell me I don't disagree with you, get a chance to redefine your new future moving forward and much as I talk about dreaming and high definition, you ve got a now learn to dream again of what this is look like for you move forward and you're sixteen year old then get to be a shot calling out loud now they dont they're. Not this is Do I look at that? Poland, a review merited my by

sorry I'm broke in your heart. Mommy belonged for you, but you know what David it's good. She needs to hear that, because she's gonna be in the driver's seat now move forward for her in her future, and you can Probably pull this off and here's the thing If you wait a year and then sad and not take our vice and cash out their retirement and paying off and you keep it cause. I was wrong. There's no harm in that in the year. cost you anything except from strain, make. Three thou, not payments, that you can that you ve got some other money involved in this situation to show the overall answer to your question is I predicted: house, not a permanent part of your future. I think you will higher and better uses for your life in your money than the protection of the country club, but I might be wrong shop. Camp out for a year, tough it out for you, cash flow out for a year.

Let's see where you end up, there must be other roasted business going and see where or your heart is you'll be better decision, better position grief was make their decision at that time. the gunners, if you dont, have to sell it today and have to pay it off today. Now but it is a strenuous year- I had of you if you dont it isn't. Cathy you're gonna need to sit down to do some math, because this hundred seventy five thousand on the he lock you're making an interest only payment on That's ok for year, right, ok, for a year! But after that you need to decide. Ok, I'm going to refinance session work my way through these mortgages, I'm gonna use some other cash or I'm gonna use the quadroon. Pullet am dump this thing, but I disagree. with the premise that this House Singular this prick Kyoto House is the highest and best part of your financial future

what was it a financial analysts? You got word what she said and analysed analyzed at Emmy. You can take your Ceausescu's opinion shares carping Russia. Guess she grown lady. She gets the decides. Who knows we run? I disagree that eight You understand that real estate is an actual investment, and I do with their and our greatest piece of her asset will grow may be more than the other ashes pieces were hand. She finds great comfort in it today, but I really think that some of that, I know from having worked with ladys effort of shows that held under things like a barely alarm. Due to try to keep the passion alive and object, through this conversation like eight thousand times and thirty years, so I think you're gonna find him. Definitely under your I might be wrong animal would be around I'm ok and you can say, they Ramsay was wrong. If you wanna, ok, yeah, I'm go with that, but if I'm you, I'm gonna just sit there for a year.

See where we go and let's get some healing behind us and even to a really tough time, a very hard time does what you're describing the number are describing here are twenty five or thirty your marriage and there are some real stuff that has gone on here, that we haven't discussed and we don't even know what it is, but there has to be the sum of money being transferred back in four sixty five hundred dollars coming your way- very unusual insiders on some very painful things. with Asia. Numbers have to show. I'm sorry show you had here, you ve had I'm sorry that things didn't now the way they were supposed to, but I would not shut your retirement today. To do this, I really wouldn't thank you for your com.

Restocking. Thanks rang out this. Our certainly give us this particular our neighbour and have a friend or a family member, the needs a daily those rambling advice and their life. Let them know about the Ramsay call other day podcast, it's a quick of advice about life and money in under ten minutes check out the Ramsay call of a day wherever you listen to get there.

you're right and living life just going through the motions, build confidence in yourself and learn to trust, the God who created you check out the Christie Right show where Christie inspires, you break through your limitations and create the life your proud to live, pale and cresty right. You know it so easy to feel stuck. You live life just going through the motions of doing this is doing laundry carpal lines and a whole list of commitments that bring you no joy. We live like that. That's why I want you to check out the Christie Right, so each episode will help you felt confidence in yourself and the guy that creating hear more from the Ramsay network, including Christie Righteous wherever you listened, applaud cash, paid James producer of the Dave Ramsay show this