What is your boy, energy solutions which, though amnesia obligations king in the pay of mortgage, taken the place of the Bmw, though status, symbol of choice and over I'm sure, your host George Mammograms, your personality ocean, hoping to find their own Ramsay network, is one of our popular podcast series? Is here with me today to answer questions about your career, about your relationship for mental health, about your money, we're here to help with your life, open phones, a triple eight, eight to five five, two to five: that's AAA eight to five,

I have two to five. Oh Mamma is in San Jose California. I owe my how are you good days, banking, sunlight shore, taking my car. I really appreciate it. Can I just say thank you for giving me a lot of hope and because of you, I have four hundred thousand dollars and investments. Eighteen thousand dollars in emergency find em right. Consequently, I will thank you. How much I listen. Let's just be rural, clear though I didn't give you any money, it's because of you that that monies there proud over you're here. Will you marry me outta my they gave me a lot of help. Thank you so much and I was an idea- occurred off ten thousand dollars in bath. Ceremoniously spell. Thank you. Now. I've got to run about. Cuba has barely been perfect. My husband and I have a home that's worth about a little over a million dollars, hundred thousand dollars on the home

I I don't take hack, your german spamming, quite early earth. I'm I'm fifty three, my husband lobbies and I told him I had great heart. Maybe what we could do. A teacher can lead candy ago Navy? Perhaps we can purchase her home there out when he saw the Tom, I'm just wondering now why your thoughts on that score, four hundred thousand dollars and equity right now, yeah, ok,. then you're moving to San Diego, why children are there and then suddenly agree envy programme can t be by spam. are you retired, above every, not working. working she's retired- He cried. He just started working the case and I don T hurt nobody just Nigger

make it work here. I am. What are you gonna? Do you don't be able take your job with you to San Diego? I'm lucky, I nay. What do you make right now I make eighty five thousand dollars a year where if you can move to another city beneath family the same amount of money and end up in a paid for I shall in the process I dont know, The downside would be. How can you the property for four hundred thousand dollars in Santiago ironing out its if its below average price can the average Prussians anything about a half million runner? While I mean that's average, meaning that there's A lot about a lot median house- half above half

I guess you're I and how we can be proud of my family home that we both and you would be enough, my family home, but I just been getting the alliance anxiety he now? So I only hope that European is where you live, where the gas feel that would be here. in a be kind of sad yard but I dont think that arm Here's the thing: a trade off then get to live with no dad. You live near his kids de the downside- is that you gotta the emotions of the family home moving on right here. Aren't I address for me a lot of Greece back in the end. You get rid of the anxiety The social environment and I can t bear, get faced

will. You could do that anyway, you're dead for acceptable, so we allow both every screams, but I was so yeah. I don't see it. The only were now and I actually have a reason not to do it. I didn't see any before and that's the family home much new information lighten the garbage sentimental, but I think this is going to set you up to where, if you're, if you ve got the only income there and you have no mortgage payment, you're gonna be free there. It's gonna be amazing. I think good idea to stop those. I hate things that are sentimental are valid. This is personal finance. Then what you have to do, as you have the way how sentimental it is versus the better on the other side, let me give an example lady called in one time. She said I have a wedding ring that I can show for ten thousand dollars. My wedding ring and wicked path. The larger the bat an much. Do you make a point on earlier much Debbie. Have fifty thousand bucks no cause? You you're, not gonna, get that ring back

You know and that's how it didn't in it. completely. If you shall dollars thinking about it was ten thousand bucks and they make money and if the ratio to their debt to me it was. the trade off. I would not sell my wife's wedding ring, even if she wanted to ten thousand dollars in that situation. Is Europe's leaders on time so sometimes sentimental does out both trumpet yeah always, but sometimes is our time where there is a false sentimentality around it. Likewise it just my car I had when I was in high school, even though it got there, you know. Is there a more a moment? We have to be an adult and they are right. something like that. I mean, and you know what I tell people, that it is my dad's, your dad's, what gender cracked I mean you know me, what is what are you being sentimental about? You got your dad's or Bible, we're. Ok, let's heirloom, there are elections, heirloom versus, but some other after the event pickup truck driver, my dad a pickup truck?

I wish I had my group also pickup truck or cotton show, but, three on the tree by me, but know that if I now I'm in this beyond my to shift on the I see no upon the here by a little more light on that was called three The turnout was like a button. You just press Israel, weird those who talk about sorry I don't just turn it to rehearse, and now you plug it into a court. Dave's, getting very upset. We should turn on your rooms was used. We were having a good discussion drink. I'm sorry did that sir, This is a valid point, acknowledges Herschel Finance and it's ok to have feelings about the stuff. What you ve got it way out. Where is it taking me and what is the weight? of the item and watch the impact it has in all. If I grab awe struck and I saw it for four thousand dollars. I never saw Maynard Vagrant joking aside for forty May, an ownership gone gossip

there's a weight to the cinema reality right. You know. Forty million there's no such thing, but but I mean you're. My point is: everything does have a price and that, since it's not about emphasise here that you're supposed to that your ears- responsible. If you use any emotions or sentimentality at all, when analyzing thanks now you're irresponsible, if you don't, you should have those involved. That's my point:

where human beings we are feeling such personal, fine it. This is the rancher you here on a limited data, and you owe me the only think of the big guys, Verizon eighty into your t, mobile, but

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forget to enter the promo code, Ramsay happening around Ramsay this week, Doktor John Bologna Loop work has gone home resale It's absolutely incredible pressure and check it out had roundly solutions that come also he and Rachel my daughter will be doing the money and marriage event this coming Friday. Night money is one of the biggest sources of stress from it, couples sharing, dealt with our fair share money stress and I know how heavy can be about them three years ago, with the married almost forty hour, mergers hanging on by thread. We went through bankruptcy, and that's when I set out to learn the right way of managing money and building wealth vowing. today, instead of an ordinary date night put em Member of the money stressed your marriage on translation on clues

gifts If, in your marriage You can do the money and marriage event this coming Friday night. You can check that out. We ve got questions. Humans conversation cards for couples in get fifty five cover she started there. We got the wedding pack for newlyweds, engage couples, all kinds of different bon Valentine's day things you can do, but this coming Friday night be sure and check out the money and marriage live stream. All of this is going for Valentine's day right here at Ramsay solutions. Gonna, be sure and check it out. Mary is whether Sir Richmond Virginia high Mary welcomed the Ramsay show Dave, I'm I am so so glad I made it pretty you on I'll. Just start, no quick as such. years ago. I remember talking to you, and you told me to put my be groping on in Amerika. I grew up a lot of her when I called, and you about getting myself focused on

I needed to take care of it. Not worry about everybody else. Anyway. Since then, on my husband. passed away on October got here one applause, It was actually globalized, thou, my brain tumor, that a lot of men get women and children get it to, but a lot of men, don't realising habitant loath to light years, no cure for it. So A personality changes that trade, but who tells you when you know you start glaring off that you need to have an mri, though chemo and radiation job. It just extended lies that kind of thing I became a a quick caregiver, but thank you. Dave aren't so here here's, my that's backstory, though I've got

woman a face and wondering I can tell you, is the house that we bought my husband at first told me marry you ve got to stop this house. It was over twenty eight hundred square three or twenty any anyway. It was a big house and on. ass, he got thicker he's like no. You can't leave while I prayed a battle. A lot of kids, don't wanna, come stay with me. They live in the city and rich men, and I say no, If I'm gonna do that, I'm gonna do it now, because the way the markets going funny. I saw the house I sold majority that everything in it His cap, a few things, he bought the home to seventy six and twice. and I'm good I told me to sell it at one price and I kept thing now. I can get more war and I sold it for three hundred them nine, while

I came out of it with a hundred thousand in my pocket. After all feed repaid which leads me to you now I have paid off over? seven thousand almost eight thousand dollars with get, and I had on Yes, I do have three credit cards, but there I can pay them off. Their just stupid stood the things that I that I have. Add on totalling only seven hundred and forty seven dollars. I have put fifty eight. that is just sitting in the checking account I'm getting. It was credit union, are you workin? I I I am a here legal, very little make over in Richmond Virginia. Tell me whether you live in emotional love. Oh yeah, Mary I am. Actually, when I told the house, my daughter and her new husband told me I can stay with them until my apartment condemn

in February eighteen alpha, so you re moving apartment next week to rent yet, and you make that very much a year I make sixty seven thousand Are you gonna cut up your credit card tonight? Dad gum it. You know that and, and I haven't side gig of twenty thousand dollars than I did I cleared lies. You show your life, you can make a living and you have me neither. the grand lying around here. Looking for you, where did you park it until you get rotary by our doubts were ok at that? Ok called you, because I was thinking. Ok, I'd like to get a piece of no property cater to the nurse visiting nurses. Ok, look like I want you. I want you to stop. Ok, I'm coming had time to cry yet even just run, from allowing don't know you all I've ever done. You showed your house, you move your frenetic everything's going crazy and yet,

How long were you married thirty four years, you need to spend about a year anywhere near rock and roll couple you spend about a year rhyme, and you'll need to work on. Nothing else. Just go to work. Come home argument. You shut your grand babies if you got any your body, a dinner with french drink wine and cry and that's one thing- I can't say great- all the kids weren't there at the house during that time before I felt the house, because I was able to grieve for my younger brother about mother, always out point- is you're still running in circles a little bit after all this extreme tragedy: and I want you to have a little butter room to grieve and breathe without having to make a big decision on this, and you certainly crap don't need a riddle property in the middle of this year. it's a nice meeting. You have asked for more. A deal with I want you to make your life simple, clean, quiet,

and then out about healing you're, going, make a hole. For this decision in the spring of three is to what you do could never done that gave its time and never did Anything it's time and you're not going do you think the rest? Your life you're, not gonna, really for why year, when you hear low down camera that now you get that emergency fund you're gonna sleep so good at night, not having to worry about a flurry of activity that you ve been keeping her. Busy with it's ok to just be quiet. reed slowly and you a pile of money that makes it a whole lot. Less stressful, don't touch it get on a budget so that your living on what you make don't spend any of that money. Only anything ye set aside, I put it, may I put majority into money market just put like twelve thousand in the New York. Don't touch it and I don't touch you, don't you don't need any right does not know

don't get the idea you need to bash on meat. The binding stop, stop. And I am driving a gave rooms. They can't you'll. Be ok for a year and you'll be ok for bank. You. Thank you so much night, if it breaks, you can fix it, but I mean just calm com. Is there a year from now, you go get a better car figure on what she wants a sigh for that sort of thing. What you want to do for payment house by your home to live in or a condo to live in. Stabilize your housing situation. You'll be a winter perpetuation because you lost your husband at your young age. That's not that's not the plan, but an renter while you have renters, oh man, It's interesting Dave. Every time someone has traumatic event, happened, are advices. First, before anything is just slow down. Meda make any decisions today or the next year. once we're just gonna take a pause, especially when there's a big pile of money involved, and things can get.

Out of hand when emotions are in their restarting span, to make decisions while we're trying to grieve too much at once, still worrying married forty or shimmer thirty four years on them to sharing my brain does not work for a while and uncle wicked brain, but it's not gonna work for a while in the fog and arm. I told her that day if she leaves I'm gone, whether having taken she said she should have well. We have to catch me, but I'm in Kashmir Fortier such ok, but the money that the idea that that you can just. You know you're the same as before, that you need to give yourself room all of us today that a human. I think if you have the financial luxury and she does tonight, like decisions. Big decisions quickly, then don't make em quickly love no urgency here. Oh shalom, slow,

if we shall have time for the Father, the player, you George good. This is the Rams vision in the lobby of Ramsay solutions on the debt free stage Levi and safety, or whether a guy's, a warrior. Welcome. What do you guys live by opening out? I welcome all the way to Nashville and here and there

Reach grandma much of you paid off sixty four thousand good. you, how long did it take for years and six months one year, was a bachelor before I got married. So I really looked at that. Just the report. Have you where the european Interest hand that first year as like man, if I could just throw bunch at this right now, Miladi interest. Ok, you got started early and then you guys get married three years under the broad are one year and the process has been married three year. Ok,. So what was your range of income during this for years and which our monthly budget, based on thirty six to forty eight thousand, now cool? I'll do for a living I own up My own na Grass and violence, no don't Godfrey a bookkeeper, our I very good good, so worked out. It was the sixty four thousand. There was our house. Why? Oh you pay

your house, what you're Ashworth the real through just said for mobile people moved into Wyoming Adjust pumped up the three hundred. Fifty thousand you love s world. Well, then, you guys amazing good work. Good work out. Are you guys me too, I'm twenty six. Will they get paid or hush but all these young people they offer House Dave. I don't know George, I like it. I tell you, George Thirty, do pay for our man, I'm seeing a trend here. That's incredible! You guys are awesome. I so what's the story here for years six months ago. You wanted to be extra weird here. I am I didn't really go to college or anything, and so just saved money and then actually in two thousand and seven are some by her Dave on the radio I went talked my parents like uses Dave Guy. Maybe I should take my college funds that are not really gonna go to college.

and put it in gross talk mutual funds or something and they like. a car were on the Larry Roquette train a little bit, and so they raise meter if money, but then I picked you those eleven. You know if I go to college dominant Juno just pay for it. So I was able to put a little bit of my college fund away and then I was able, but forty percent down on the house. When there was a foreclosure, all the pipes were frozen frozen so lightly As do all the work he has put in your hand, guy so and my family and friends and safety is just most amazing person. She never complaint. We got married and we didn't have a kitchen reuse. The second bathroom for our kitchen sitting is abandoning the next level adventure, but you are thirty, two, with paid for through ever detailed our how you're you're low weird and paid off a like it. I like where people good stop man

Go casually erosion feel to be your age with paid for house. get the house very differently now. I think, like Three hours first rate made me maybe a little lazier, Argyll Bay, anybody unjust. Let's go play golf today. He has an on work and take the winner adopt only want to snow, and so luckily we were able to come out here cause we didn't have no one! The forecast this week, you don't work. Godfrey you guys wells arising it is going on. Now I just want to know is whether landscaping business still more your own grass now paid foreheads, not as much as I am aware that people's ok, so what're you tell people the key to getting out of debt is the key for Is he gonna love? What you're doing? anybody out there right now, if you just hate your job, hey gonna work. Maybe should this is America? Fines Then you have to do.

I really enjoyed servan older people, Mallinger grass and just not every day and the second key Haven't them. We support you and haven't a wife this with you and just when she is never nag me about the house will have inadequate. We fixed it up so huge it worked out. Land I stood larger. I saw a large room in the bathroom to finish remodeling saga. Will you NEO Unita projects with income, all Malaysian get it come swimming, but now You get this done. So did you guys have a lot to cheer leaders in this process? Really? Looking at you like? What are you doing? Man, you guys are so young, knowing that the Chilean here's, my parents, taught me Dave Ramsay our growing up so from everyone. I was little. I remember listening to you and they live your principles. So I very much just natural for me to also do that as well. So we

My mom she's always encouraging me. I gotta do great men, one thing my dad when I was a teenager, young guy. He said you know, I'm never not gonna, give you anything but I'll help you fix. Whatever you bring to me is a decent mechanic and president, Carbon Teresa, I've taken that too taken advantage of him alive, like hundreds of thousands of dollars? Please help me said. The house helped me fix equipment, This wretched that's a good way to go That's all some very good, indeed dissipating and you do in March stuff? So so cities are financial. Baby and your mom and dad or labour camp followers and Larry was in a innocence minimum in and it was a friend forty passion, so pretty stuff that want to punch? I love it very well done a good job. You guys right were right wire

We have a copy of baby steps millionaires for you. That is the next chapter in your story to be millionaires for sure. Your well on your way through every detail, our fight for how such ass, the action you're going without a doubt. and I also be total money make over for you to give to someone and help them get on their journey, and you brought the KEDO with you. What's your name and age is reason and he's a year and a half hour. I would also have one on the word very, very good, and we don't agenda reveal yet do we know what it is we don't know to my weeks. Ok go very well! Congratulations! You guys what a great life you ve got. Life. You ve built for yourselves, I'm proud of you very. hold on leave. I'd, say Henry showing reason we'll show down. Why arming sixty four thousand boat, often for years, a six months making thirty six thousand forty eight thousand a year for how old worth three hundred

two thousand counted down: zero dead bridge, groom. Three too Mighty divine, whom I gather that he might blown it out and reason never flinched not about, romantic love is round like that's incredible got allows, prove more is caught than taught both Parents, medicine to live by these principles- and I saw that happen and they went. I want to do that. as well when we have. We are really reach Point that wishing anecdotally- and I guess we need to quantify these- these second and even third generation,

followers of these principles. That must be our next step. Grandma under my grandma did they rapidly. The snakes are rigid, Ramsay that, unlike you, feel real old Lomb. Already, oh, my great granddad didn't write to lay down their learning and I know you didn't let them back in the sixties. He was listening to your day. That's what it's gonna be one of the two. Thousands are vintage to this generation: Stillwell Gary friends on the generation but you're right Europe, but it's cool to see. I think Do a study on this as we get more these financial peace babies, while others babyship millionaires are happening. Now is these gases? at this age and now having we didn't ask. in their case, but a lot of these people with done at every scream, whether their thirties, forty if these, when they pay off their home than usual if we combine it with their retirement, account, makes them have a net worth of over a million dollars and they baby step their way into being a millionaire yeah. That's how the hell baby steps millionaires projects me south side, all that imagined it,

the twenties, avoiding college dead, paying off their homes and authorities becoming baby steps millionaires their forties. They have forty fifty years to live and give like no one well and that million become ten, maybe twenty million over the next few decades. We can change the world man, it's Coralie Camp and create a generosity movement like never before we can. We can all give so much that we can make the government irrelevant come on. Let's go, this is the Rams

Georgetown Ramsey personality is my co host this hour, open phones at eight hundred and eighty eight, eight thousand two hundred and fifty five Five James is with us in Louisiana how James welcomed the chef, local sure? What's up the job only currently working is its construction we'll know they are apparently I regard the over and I like it, Finally, I do your dialogue, if something like that, a failure in the Balkans We say about illegal or so ago. An up to date, credit? To about over your lovers? start, the euro should be saving money. Just in case Something happened to find another job before list.

those top I see what you thought of shooting Russia's cheap that now or stop. Save one little knowledge of? What do you make James. make it I'll show you don and how much did you have total I'll. You credit cards, bout flat, algae. Love. He's lying Ok, and what what are the chances you're saying that this good? This could all come to an end and the summer time. How likely is happening. It is combinations, never sure it's very likely it's one of those long. They do. The plan is going on.

last time round. This happened. How long you take your job, load always felt a few years ago? What do you do like job? I slept directly, I only eighty guy, I t. Yes, What is an eye to guide you wanna construction site out me with their fathers. there is a group of individuals, their computer savvy, Allow me not with Interior issues eternal phones and eat anything like that? So you could be a knotty guy anywhere not construction related, necessarily Don T related? Yes, yes, would you want wanna salary position that full time somewhere,

We must look for a job. it's the harm. Look I'm looking for a few months. How much money do you have in savings. about fifteen hundred dollars, so we got back still only whereby I used it the ideal. Are you some of its paid out one of the credit card? So answered the actual question: is you ever storm coming, and you're, saying how much I much food to a back for this hurricane Mitch coming right and how much should I take to survive it? well, what we have is we have a predicted storm summit they come? Sometimes I don't. We know that show the show would do. Is I would stop everything, a path of seven hundred dollar card and cut that out? But after that I'd start piling up cash and then go get a job. When you get it,

Ah, the storm had passed through the budget is the uncertainty. The risk is over, go get a job. Now you don't have to wait till August these are some kind of big play out at the end. No let them The thing is I about a year ago. I would agree with that, school. I got a degree in different fields. Some only China slots feel what's everywhere, take her out it, sir. What does she like operator? The people that what did the plan makes, though whatever products like a refinery like an plastic, see So suddenly. She's, gonNA, move into the field set of I D. Have you looked into those jobs in your area? Or would you have to move yes Others there's your law around here, it's just a matter alone,

than doing apply hurry, I don't know your usually Ok, when you get ok, so the answer, questions pilot money until you get this jobs, patients solved You have the new job going forward, because until then we have a whole a potential howl at all. Did you grow into? But if you like, if you find out the four August and you get the new job and don't wait, take all of that money is not work in the baby steps and go get job don't go around weight on August it'll be yarn about thirty seconds. I might have a fire under your feet. While I do I've downloaded before work, I have no job that laid off limits, it's not very much less than five source polymers much cash. We can get the new jobs that cash and starch or dutch snowball with that chartered start push play on your total money, make over baby steps at that point. But that's exactly

what you do hold on. We're gonna give you a copy of KEN Collins. New book from pay checked a purpose Scotch some real insides on helping you land the job, your dreams, the career of your dreams and it'll help hang on what have you have that shit you bear is with us in Seattle. High bear welcome the Ramsay, shall thank you, Sir better than I deserved man. What's up not much. I've got like I'm a dinner thing. I should now be honoured. cyberspace wrangling, your phone for us we're having a hard time you there is a joy, that's better. I know the US. I get my baby service me Jack I have Only controlling, thereby passed near culture will go. the angel trauma room very anxious Thursday. So I tried to help

taking money out of her concern about that helped all in to change their attitude. like a day is, I think, a lot about it. He had a girl, he opened it. for those with a thirty day by day yeah I'll, have it all out of a budget with her she's alone now belong to our control. The financial compensation hunters where to go so she she's, anxious about the finances, but she doesn't want to look at it either they were probably might answer them? that would allow the and how much of this is that it is the drama you controlling it and she's gone hey. I don't want to deal with this guy they get much about the measures that lot on a plate with another coup. Then, what's the others Diane

a nurse legal issue, an apple I'm, a publisher dearest. I am working like life. each other like love, or can I get our leave thornfield like Why? Are you guys talk about your your financial goals together the only thing? Are you another? She really still coming out on Sunday. But what I was trying to set up by the large enough how to get there for my we're on Why are you let the biggest powered sunburn that I should have done in a couple of months ago that free, Lafayette are still loudly about. Seven, the Dalai Lama. The aim should be to get that and the next night, ok Let me tell you, you ve, got to separate the risk actions in turn off a stinking television put geared to bed.

and the two of you sit down together quietly. And set some goals. And you draw her into the conversation with questions rather than statements and just say our honey. How do you think we're gonna get there? What do you think to do about this or not. Do this anymore without your vote, counting as much as my vote counts. I know about controlling in the past and I know you've been absent in the past. Neither one of us are going to do that anymore. We're both going to be here as two grown ups are going to see her only a mature early migration. is about our future and we both have a vote. If you guys Pull that conversation off. You

have a money or a budgeting, probably of a marriage problem that you'll need to sit down with a marriage. Counselor, that's what's Goin on bear out when I give you guys, are Ramsay plus Subscription free or go through the Financial Peace University videos and will give you everyday plus, which will connect to bank. Hopefully I guess you guys on both together through the gap that puts us our the remedy, show in the box. Hey, it's Kelly, says you pretty certain funds arena for their aims issue. I would like to do your temporary screen Lima, so make sure you visit the Ramsay showed DOT register with library. It s not tat day. Your story, money, Isn, T always going. We talk about around here, get life. Changing advice on your career for my good friend and we're experts can combine all my kin com and show, according to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning in your just trying to make it to the weaken, the CAN Coleman show is for you, everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is you were born to do and then will help create a plan to make your dream job a reality. You matter and you have what it takes joined. The conversation on the CAN Coleman show hear more from the Ramsay network, including Likin com and shove, where ever you listened about just Shades James Producer of the Ramsay show. This episode is over. The check