From the headquarters of Ramsay solution? Would all environmental studios? It's the Rams Asia work that is done in the pay of mortgage trained in the place of the Bmw status symbol of George, I am Day Ramsay. Your host for sovereign Ramsay personality is marked co host today, open phones AAA eight to five five, two to five, Davy is whether an eerie Pennsylvania. I stay welcome that Abrahams Asia Minor. Thank you. How can we help.

Now my questions regarding choosing a financial partner working towards marriage. Ok,. so currently island, its relationship. You know we're both pursuing a longer goal, but I've noticed things that are red flags, I would say, and another If I'm being over critical in it or just paying attention to the situation, Now this individual, for instance, down their cup, examples I can give one of them, is if we were to both go out to a restaurant, dispersants Ben white fur. At the past nine months you now, They will order the most expensive item on the menu every single time when they are, being paid for. But when it's my turn to pay, you know I always took the chief keeping in mind the fact that were both stew yes and I'm also working currently benefiting example would be here,

graduated and he's got two months to get persuaded and q looking for jobs, curiously, and now that he's found one within three days is already considering quitting me: interest beings a bit of a red flag, Stevie? How long have you been together? about eight months, are you guys. I'm sorry what we learn. How do you get twenty seven and he is about to be twenty speck. Syria, I'm gonna tell you something. I think I don't. I think whenever you have those red flags in these things that your you're talking about and looking at these are things that I think there are probably more. you could allude to. If we really press than talk amateur, you're probably dealing with someone. That's not motivated.

And this to me could sound like it could end up being a project for you later in life on many other fronts. I would move on. I really and truly would because you want someone that that's that's it that's equal with you that wants to chase and conquer and work together as a team right now in the rowboat you're, the personal rowing and his relaxing and add on that doesn't come in life, you all long term, for you and your and in your own legacy here, also concern here when a lot of people here. My later there, like oh you're, gonna make money, but they don't realize investment has gone into it and the war that's gonna higher public funding, my on education, driven person. Your motivated things that you want to accomplish. There is anything wrong with allowing this individual to be a good friend,

But I would move on a borrower, you, I think you ve seen enough red flags to let you know something's, not quite right here, the old, sometimes sometimes a waiter its. Tough for us, too minute radio call to dictate the next decade of your future. with a relationship situation but a compliment pop and Mamma and sharing your story and listening to you a question you're a very goal: oriented person. You have a lot of initiative and lotta drive, and so you're you're and yourself aware enough to know. I could be overly concerned about this. I could below that legal listing about it and that's good to worry. About that, a little bit tat we do on your part. You don't be enormous jerk on every level need to write, but the things that The second thing that you mentioned unemployed for nine months. Finally does get a job

and then immediately hates the job. Much to quit. You I just that sounds a lot more serious than just the power. Of your own tray and ended the lack of manners ordering the expensive thing when you're, not paying manners, I mean, if you too, if we tell them not to get married based on manners, are shown wouldn't ever married. Me out in every manners, still them a lot, but she has taught me a few, but finally figured out which fork and alleged badly, but so one too who thinks popped into my head, that I always think of when I'm in Situations like yours, three things I have another went up into my head. One is a body. A man says when there's somethin bothering you down inside when you're spirit is disturbed, there's a reason and

spirits disturbed and that's why you call and You're just looking for someone to confirm to you that it's ok to have a disturbed spirit, and he always says when in doubt don't self a deal for funding for Morgan on business deal or a client in it deals funny. There's a reason to feel funny. There are some really going on there. You know, and that's not it. That is not be discounted And so that that concerns me about your situation, this thing is: there's a book that my friend, the Henry Cloud Dead, called necessary endings window. You end are released of any kind. When do you and a relationship where you like this, I'm gonna quit a job or I'm gonna, do a break up or I'm in the marriage or I'm gonna end friendship, pointer. You end a relationship when you lose hope that the thing

of concern, is never gonna get any better and either. character, qualities that you ve lack of character that you have outlined falls in that category and so when in doubt, and then the last thing there popped into my head was wish ask yourself, because you were beyond your ears, fifteen, twenty years from now teenage girl, your team, daughter is sitting in front of you, and she asks you this exact question What are you gonna tell her about this boy for and that one. That mandate for him. Well.

I made because that really may be done when you asked me that coiled yourself, out of the middle of it and now you're looking and talking to someone you love, in other words it does that thirty five year old you there have respect for the twenty seven six year old you, when you look How can you go whew dodged, a bullet on that one or hey? I'm glad I didn't overreact tools, rebel, a little thing! That's right! That's a good one of the two ways is always a great perspective and just back up from a little bit and so that those are three things that I use. I looked for that kind of thing, as a long term. I'm not gonna, be I did the right because of you back off and say long term is just a good investment. Long term am I glad that seventy. Five years ago I mean for negotiating severance with somebody that we let go here right and a few dollars makes it better. The pain of someone leaving the building

I'm never going to regret those few dollars on my bed alma death bed. When I'm seventy eight right hand- and I would regret that relationship was ruined- that need to be long term prospects, for this is the rams

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Promotional runner remind your save, even more used to promote Ramsay to get the best possible deal, all right. Here we go. Today's question comes from arrogant, Ohio. He says I understand funding before one k, Matt then Roth concept, all things being equal. Where do the Hs aid contributions fit into this concept, if Hs ease being used as a retirement, healthcare expense, giving long term care statistics? What amount of money do you think is a reasonable retirement age? I say that the agency should have been it well couple things here, Eric you bring it up to different things with h essay, I may you ve got a great opportunity as an individual to contribute up to thirty five and fifty dollars per year and as a family. Seventy one hundred dollars, but long term care. This is also Think of him, like a tag team partner, long term care insurance, is something you want to have in place by eight sixty to make sure that if you

to go into a nursing home or need assistant care. You ve got money or an insurance policy, the long term care to take care of it along current church is an essential part of financial planning two years old and beyond, and if you have a network of under ten million dollars you probably shelf, ensure through clear to me in dollars or more you're, probably just hire. Somebody comes your house I mean you wouldn't go and ownership and so on. at least that's the way, people that on our handling it show, but but otherwise you know you can usually Hs aid for long term care expenses and so funding it could help. You become shelf insured and not need a long term care policy is what I think. Maybe what he's handing it and that's ok, to work fully funding the h essay as account the savings portion of the accounts, as investment would really be a baby step. Seven tactic

act out all your retirements and you still don't, and you still want to have some money from the government legally, I fully fun. just say every year, its invested in mutual funds and I've never used it for medical expenses. I will just from a mental medical expenses. Consequently, the notions, George W that's what it s, eyes were invented his admin, in his administration and I've got two under fifty thousand dollars on that account through you, look at it that, like a health emergency finding out that could be more long term care polish o innocent soaker. If I wanted to just pay for long term care, that's the first place, I would pay for it out of poker and others letting it grow as an investment in gross tax, free or tax deferred. Just like a for a one, correct, traditional IRA and show it It becomes an investment if you're not using it, for health care anytime soon and shall little stuff, like other doktor bombing. I've won over a tiny surgery or something we are a thousand two thousand or think we just pay that pay when we leave the edges alone, but that

worse situation and baby steps. Seven situation, that's right. Prior to that you wouldn't years except to cover a chronic stuff, savage What am I going goin out every year, but but the h us a few or huge fans of that around here and this first, my version, the question come up as a long term carry shoe, but you do need long term care ensure way what dollar amount is a bit. You think that someone is self insured. What would you You know what I've gotta cheat sheet lay around here somewhere on the long term care insurance, and I think it's important while outlawed dig that out just touch on this whole. Subject: America, such a good subject where such proponent for long term care insurance, Vienna without a doubt and the The reason is the seventy five percent of your Ladys will out live your husbands and so that ethical thing that happens is the case, and at the typical thing that happens is the use your lady, the propagation of nursing, Home Barnes through fifty two

thousand dollars a year for couple three years and burn up an ethics were cracked cracks are scrambles, unrealistic and saw that pick a long term care state as well as looking for the cheat on is it under much? Oh, maybe if you don't mind Forget scouts own thing over there somewhere dreams, but that's ok. I found it later bottom line issues. The typical stay is not that long shows if a three or five hundred thousand dollar event it is the typical, MAX very unusual, to hear some by going over five thousand a nursing home care. But the problem is for most people, that's everything they got. The throne if you're sitting on the euro, were they may in our situation. They got five ten million dollars and me and than their age, essay or three months can I just say they can see? for their nursing, home or in hope care themselves, we're shelf, ensure it and it's all tax free,

may I just say going energy tax deductible, going out for medical there's. No taxes are right, and so it's a very, very good program that health equity company that we endorses, who we ve got. it just Asian vested in and they ve got good mutual funds options in there and will do that. So many important ever give if you're out there in Euro millennial you ve got parents or or whatever that are in the MID fifties. Please bring this up because you want to make sure that that policy is in place by eight sixty and out over to carry out the cancer using long term characterised in a nursing home setting or in Homecare setting priorities. sixty is one tenth of one percent, so you just but issue turn sixty is like all hell breaks loose, that statistics get quickly very dramatic increase it you're going to need some kind of care.

in your last couple of decades of decades alive and by the time you get in early sixties, the price goes up astronomically, so you want to be proactive, love your parents enough to bring it up just tell em you saw two ball guys talk about this stuff alone. Dad I love you and do you have this in place and if so you just asking that it started out a love not agreed. Vega robber. Is in Orlando High Robert Welcome that Abraham she show area. Don't it better than I deserve man. How can we help so I'll, be starting lawful, next I'm twenty four years old, my only that seventeen thousand our car loans that I might go anywhere. I moved to currently make three. without nor year and have about fifteen thousand feedstock upward, albeit with be able to grow about twenty. Before I start, I do have an M he found out, while the Roth, that I can turn me to every month. My question is:

Should I use that in the twenty thousand to pay for written and living expenses wound and lawful, or just take out enough student loans to be able to pay her expenses and just focus on school robber. Did, you really just call today, Brander Show TAT Dave if you should, I gotta soon one hour You know our near there are you branded as a matter of fact, I'm alright Willoughby keep him then you just be needed to graduate don't scare the man in the nice. What Robert here's the thing body. I love the fact that you got a career track Ivan loved that you know the direction you want to go. But here's what I want you to avoid. We have a one point: seven trillion dollar epidemic, goin on actions we billion dollar epidemic, drawn it's good. get about pretty soon, how brilliant we would soon loans, it's a situation. And so what I don't want you to do. I want you to change your dreams, but I don't want you to grab student loans

I really and truly don't you got an opportunity to look at this and start to think you can go to not I've got friends. You have done this, my friend where you're enrolling and go into law school at night, while you're working and it might a little bit longer. But for you to come out of that without through loans would be a game changer they. stories that we ve heard Robert over the last twenty years, twenty five years of doing coaching with more financially that took out, who alone either a thousand dollars in debt and all on the premise that this was all gonna work, though I wish both to work and life never works exactly the way supposed one. and so they end up, not passing the bar and no matter what your lot agrees worth in economically speaking. Not so much Also they end. Deciding they want to be more of a public. servant, and they want to work for the government as a lawyer which major get paid squat, but you got

all student loans that you ve got based on the fact Europe rich lawyer, someday and so on? does it turn out the way people think it's gonna turn out, always there's all kinds of different things that happen it takes longer to get the loud. Career started and get the income to go with it. kinds show it you put yourself in a dramatic: should vantage when you take on student lungs. That's why we're always trying to talk people out at an open found a triple eight, eight to five five, two to five, you jump in we'll talk about your life and your money. It's a free call

Gon Ramsay personality, author of the number one best seller everyday millionaires is my co host today here on earth is the Ramsay Shop

presiding, Ramsay Personality is my co host today open funds AAA to five five, two to five: that's AAA, eight to five, five, two to five Breton Asian Amarillo tax side. Brittany. Welcome that I ran through sharp cry I'm hoping that! Maybe you can help me decide if I should delay going to school for one year just about money or if I should just jump in A bit of information is a twenty year old and your mom only forty thousand dollars a year. I mean baby step three and we have four thousand dollars saved and I've been cut following school part time right now with grants indifferent things, but I'm pursuing a degree. Arab occurring

Oh hi tea, which is a full time programme and the cost is any increases once I get into the programme. So I'm looking at going all for that, but I No, if I should wait and favour a bunch of because I have to be working part time or if I should just go and tragic. Swollen work like crazy. Why? It's? Ok, Can you cash flow school. And your life, if you like crazy and others fall. and I have a relationship of my daughter. Maybe I don't. I don't think I'm not sure how I used to it: who for years, college, your daughter, she's three books, he had

the initial cost is gonna be like eleven thousand dollars at the beginning of the first, the master, but it goes down to that end, I have to buy leaned out of seven thousand dollar kit, and things like that should apply that initial cost is gonna, be more than what it will cost for the rest of the Prodi Ok, so your concern is the only way you can cash flow. It is a lot of hours of work Definitely, yes, Ma Am, quit my current job, because the programme anyway, if you wait a year, what happens? What changes you're gonna have to stop a cash you could live on and you will not be gone so much working, yes, I'm scared now this phenomenon, because I've been going and I've been believing in myself and after you get drill. then I'll quit, I don't think you're drunk weapon. Now you saw motivated you very, very focus on not only doing something for yourself ready, but also for your daughter. Aren't you really want,

I can hear it in your voice. The passion do you have a support network around you to help you with your daughter s like it? Ok, a great white ass, good. My parents are here, and I have a really supportive boyfriend that believes in a dream, as Ok, so you don't quit your full time: job and you're going to food their in the fall and you're gonna work part time job to pay bills. while you're going to civil rights What and what are they hours, I don't know. I assume, as I had, working retail somewhere like someone working Knights and weekend, you being a nature of something

I think if you solve that part of the equation and have more detail- and it could give you peace Let me give you an example: ok, let's pretend that it was neither one of the things you mentioned, but that the new part time job or something where you may better money than those two things and I making this up in my head, but I'll show you had control over your time maybe it was a little bit of a small business idea B were. What do you do now? I'm an administrative assistance for an accounting, fine, perfect much and that you were a off site. Let's watch open a business called administrative court called virtual children, assistance and you are going to become an administrative assistant for three difference, all businesses that cannot afford a full time, one and Europe time for all three of them, but it doesn't

require you be answering the phone during a certain time of the day it just requires that you get administrative assistant work dine which, by the way you could do after this. You're. A went to bed. Ok and you'd make more than you well and add gum, retail, I'm just making this up by, but what My point is that if you had something like that mapped out you believed, was real and you start working towards that. I think a lot of your worry and stress about abandoning your child, which is where the tears are coming from, is going to go away, but if to work forty hours a week. It retail just barely scraped baggage, you're, not making any money, and your schedule is at their Beck and call they own you. Then you are going to have a real stress point with the baby right

and so, let's just take that off the table either design, something where you control your time and you make more money as your work through gig, Are you wait a year? Does you're not gonna quit Brittany? What baby step? Are you all right now, I'm on data, three thousand dollars you around three- ok, not open, Even if you delete a year, I dont think you don't give up. I really don't think you know. What I would ask you to do, though, is to really search your heart and see is the dental hygiene, as does that the thing you're, absolutely passion about because you're gonna be making too many sacrifices for something that's a maybe so I think it that period of time you can be, as my grandmother would say, prayerful and careful to gets. About what it is. You want to do and then began to make the sacrifices necessaries you can get there.

Let me tell you what I know about going your situation? was single moms for thirty years, and they are doing ever think not not never, but the I worked so hard in which so many jobs just to try to get by and they never think they're doing a good job as they are and lady you're, a warrior, and you don't even know it. You're you're doing so much better as a mom and a woman, then use you are because you you ve been. You ve just been around nerve for so long that you forget how good you are and Amanda Oh, thank God, I got a whole building fallen, millennials and a whole bunch of them were raised by single moms and they all stand and salute their warrior. Mom, including Kosovo.

without a shadow of a doubt. You know it's one of those things where let me be the first to tell your bread if you hadn't heard it you're doing, goodbye man. You are doing your job and keep me? a role model for your daughter, because I'm gonna tell you what that what you did that in that little girl right now are the. that will begin to amplify replay in her hidden in her heart and that's that that she'll begin to believe about herself and more What about the mom that raised are so keep up the good work if your priorities in order- and I keep people around you- the believe in Europe and an end and remove those that dough and thought but U N Christie right, they're, both more you're both by racial about warrior women. Without a doubt, a man crises, mom run a bakery gap and your mom region to oil is working as a nurse. You know I mean it is it's a feat and it goes unsung and its needs

each time anybody up for now and it's not it's not the way to go. It's not like someone to aspire to, but the, but when you're there that's the way those ladys rise to the occasions and find their way through. That's exactly pretty stinkin amazing very well done be ok either way, I think, If you design a better job,

The page more new control, your time more like something like outline. You're gonna get a lot more patient going go, and this is the rams. Asia

the slogan. Ramsay personality is my co host today, you're only opposition TAT Abraham. I say I is where this in her out Indiana hi. How are you doing just the bomb waiting to take much all sure? What's up or there's? No, The timing is important and at least ten percent is what level required to do. But I just got to a point where my tiring has gone larger, and I've also noticed that Burma local church there is a stable the bottom. That shows how much our ties an amalgam

a moral issue here on whether it is morally acceptable to claim what our time on my task ok They idea you mean spiritually yeah yeah and show you you're, just checking your heart and go on. I am I doing this for the wrong reasons. good question. I'm glad you're asking that of yourself. I actually rustled. That one, many years ago, myself in a kind of data that the same point you did when might I've got a larger and all went well, some money. I was rolled off when it was small and doing anything about it, but it was a big deal. This will get bigger and I went yeah. That's all that's like a big tax write off here's the thing I think you can ask yourself in prayer honestly before the Lord. If, we're doing this, because you feel It is one of the disciplines. One the third We do in our spiritual life that God tells us to do, because it's good for us nor drama

an obedient, or am I, having because of the time right off now nine point. Ninety nine percent of the time someone who asks this question doesn't have the problem. That's the one or two masker might have the problem. The very fact that you had a tender enough heart to even asked the question tells me you're not doing this for the tax write off. Am I right? Yeah yeah? Ok, if you're not doing it for the tax write off vinegar. Was down to, if I take tax? Write off, have done something wrong when the intent of your heart was you didn't, do it for the tax write off, you did it. Giving is a part of your faith, walk agreed, yeah. Ok, then! It comes down to me too stewardship and in my mind, to be a good manager of money. Why Part of that is to keep the government's hands off of as much as possible, but

They are not good managers of money, so sending them any money that I don't have to is by definition, a bad manager of money Oh, it is it's beyond it is my mine. Once got their eyes de myself, I wouldn't b actually correct to not take the ride off, because by sending them the money that they, when they misbehave, where that is a bad bad so gods. Money managing his money well by sending it to someone, that's wasteful right when I don't have to now, wouldn't lie about it. I wouldn't cheat and I'm not gonna have incredible integrity on my taxes. It's ridiculous now much integrity, I've. Every stinking little dollar and peace of cash and everything is counted. We dont let anything slip under the table, not.

I'm afraid of an audit, but because I wanna be honourable, before the Lord and haven't pretty about Metaxas, but greedy, also includes paying, is little in taxes as the law allows, because there managers, Hauser, sound, but that sounds a lot better, but I run into people in doing what we do and crush you probably have to unusually here- is where there's some size to that. Given that the reason there giving is forward tax write off which, by the way, bad math, but also its really bad, spiritually and then sometimes I run into people who are giving because they want to be noticed ass, an that's. You know. I want my name on the building or I want, and I demand this year. I demand that now we put our name on a few things when we did giving, but but it wasn't like that

Was I wasn't again, it was not our motivation when your heart yeah, I say you are in the right place body and I think you know is your income grows. The dollar amounts gonna continue to grow and totally fine to be able to claim that on your taxes as we move forward, not giving another prediction of I gotcha guy who asked this question is managing the money. Well, cause you're sensitive to what gods use of the money is and are you in his will? Are you doing that that make sure an excellent manager and I'll? Give you a prediction that your money will grow: Mercosur, an excellent manager. Now the parable the talents tells me that those who manage oil will be given more to manage and those don't manage oil are given less to manage, and actually pats God and show. There's a wealthy inequality thing for your and their monsieur,

We will also be very aware of how the churches, using the funds and what they do and how their impact on the community, and so your hearts in the right place, but yeah very good. I love that question. that one in a long time. Thank you. Recalling and with that open eight triple eight eight to five five to two five. You know Chris up like this that, furthermore continue that discussion romantic because war I find it. The new you and I have both observe this chief Growth is a statement that people who have a very noble, reason I higher calling so to speak. For handling their money will have I of a tendency for handling it, what that guy would completely show. In other words, if I want to change my family trace, I'm doing this for the good of my kids so that my kids don't grow up poor. Some guy says I didn't, but I mean a grub middle class but baby girl, poor,

and you say, water, Wilma, kissed, f, grow up that way. That's a higher calling! That's no building is not selfish. It's not! I want to get well, they shouldn't get a car right. It's not. the I'm gonna get Welty, so I can go to Saint Lucia others not, not your reason, that's a fairly shallow reason. It's an ok thing to do, but if that's all the bigger a reason you have your long ago, but but probably the highest calling the most noble, calling our when a person of faith says I've got do this, because this is what God requires. I'm not it's not my money, I managing it for him and I've been doing a bad job managing his money and I've got to straighten my act up when they have I kind of motivation. Those are some of the people who will sacrifice the deepest in order when they're the ones are budgeted clean. There cheating there. There's no issue ever comes up in their language, because the the

ability of their. Why is so high? Absolutely and it that's the gauge bats. that keeps them on that track and won't. Let them veer off. We know they are. Intentional, and that sir, I remember happened that awakening some fifteen sixteen years ago, a thing that does for those of you out there that are people of faith hooker when you too That position then you're no longer taking a pole from Parents should turn their nose up a roll, their eyes or your friends who go? Oh yeah! well, nobody gets out a dad you're, like Nepal is under Danish for you, that's what I do this for your approval, I'm not even though I know from my own privilege underneath because I feel like this. What God requires, Dr Mccoy the borrower, slaves the lender through and people don't get a vote

it just you and me your need to please other people goes away, goes away in tandem with you having that level of higher calling shadows and that's another element, the cause of people when, when you are trying to be a people, pleasure and air, body in your freaking life, has a vote until you're trying to impress then try to make them think you're cool year. Don't, whatever your keeping up with the Joneses or the Instagram, so the cart car bastions or whatever it is you're trying to be that person you're never gonna. Have any money dear me broke your whole freakin lies and part of. Not meeting place. Other people sometimes is having something bigger to please. I like that and that that's all I have, seen that with my fellow believers, they want to ok, I've got This position is what God says to do and I want to stand before him in here. Well done good in favour!

response when I manage his money, I want to be your him smiling by the way.

I did it with my generosity with my diligence. They cause you to get a will cause you get life insurance as European Budget Ecology get out a dead because you'd apply things more carefully and wisely changes every stage at all and it so worried that puts this hour of the Ramsay show in the books have a friend or a family member the needs of daily dose of Ramsay advice in their life. Let them know about the Ramsay CALL today: pod cash, its point of advice about life and money in under ten minutes check out the Ramsay call it a day by gas wherever you listen to hard cash,

Have you got questions about retirement, investing becoming an everyday millionaire, go bigger and broader, with my man, Chris Open on the crucial genscher. I M excited to be able to talk to you all weekend and we go we're gonna focus on your calls and it's going to focus on building wealth, investing and how to become an everyday millionaire subscribe to the Christian, ensure wherever you listen about gas, hey! It's just. Producer of the Dave Ramsay show this.