From the headquarters of worms, broadcasting from the dollar willow, studios, J volume, Felicia or debtors. Dom closures, king in the pay of mortgage, has taken the place of the Bmw, though status symbol of choice and they ran through your host. Like you for joining us, America were glad you're here open for the triple eight eight to five five, two to five. We appreciate your being here, the gods,

grandma's ways of handling money. Eight hundred and eighty eight eight thousand two hundred and fifty five two to five one is with in Orlando Land out high one diver amnesia, how you do deserve. What's up. Arms are invested. Eighty thousand any stock and I was down to ten dollars, good Lord. Take it out here. No, I mean mountain recession. Should I take it out and take it as a loss or keep the start an alphabet? Well I mean We don't buy. We don't make the decision based on how bout a bloodbath we ve already taken. We asked what will the two thousand do going forward. Do you think it's gonna come back to eighty two, every reason to believe that I think it's gonna go work because he went down to sixty change. To a darling thirty chance, but I got in three days My question is: if you

ten thousand dollars in your hand today Would you invested in this stark thinking? It was gonna go up honestly. If I would now why, if I take it out the money. I think I was a huge as a cushion now, because irish understanding, you misunderstand the way you make the decision is: what do you think the future is not how bad the past hurts the past hearts really don't make the decision If you think that power, if you like the future, is theirs. I feel good about this. I think that things I'm back to eighty Alias gone back three dollars and three Don. Down to one dollar is not eighty down the tin Woodman that may have done work, I believe it's gonna go up by the grace of God. I believe so.

We'll God's creation covers a lot of stuff, usually start price. On the list I mean that your your praying, that's couldn t blame you. Many took a bath. Ok, so wait a minute. It had to go down Wendy percent. You would have to go for three dollars to thirty cents, for it to go from eighty dipped in it was three dollars in change, and then I went down to sixty seven and now it's it mentions all out, So if anyone should be one by our should be one third of what it was their social eighty down to TAT, it will be eighty down to about twenty five MA sure stock or you think it's worth twenty five three said: ninety three cents watch it worth. Ten thousand dollars

over ten thousand it out, like a thousand then some of your other numbers are broken. Do you see what I'm doing if three hours turns into a dollar that say: seventy sixty seven percent loss, That is not a ninety percent loss. And so it would go from eight thousand two hundred and twenty five. It wouldn't go from eight thousand two hundred and ten. So something on your numbers is wrong, but you can go back and visit that the way answer your question of whether stay in, do you think the tens gonna go back up quickly like bike? much work. Do you think this is gonna, be a year and four months by Christmas you think this is gonna be lily, not sure I'm hoping for the best. That's not a good answer, hoping get, your turn to two thousand and one thousand, so you need to have a good case.

In your mind. It says ten thousand is gonna, go to thirty or to whatever by Christmas, or I just think this things a squirrel I was gonna, run up the tree down the tree, and so in that case you get out and you and you take your leg and you never do the scrap again. Never again, there is on the table That, if I were to leave it, leverage and in other areas like our have, but I just started published ourselves and I'm just on have inventory and I created my job. I shall air fashion, so I money, money back in pay. My dear you can do that anyone I don't, have the money to pay your bills, but the question is what the best use Ten thousand thousand is gonna come back up or is are we don't know what it's gonna? Do it just a squirrel answer

if you can, if you like it, should the squirrel then get out on the mat business Man, a man you didn't ill and but it is If you have some knowledge of this company and they cause you to be in there in the first place that says that, slaying should go up. It's ridiculous that is the slow and you want patients with it. I'm I'll kill you for that I will kill you if you ever do this again bless your heart as hurts so bad. I'm sorry, molasses, whether since Chicago high militia welcomed the diver amnesia gladly. How are you better than our deserve? What's up my question, I seven thousand long, but my income is forty, seven thousand what he did. Life is ethical night, good, practical nurses, opium some space.

The end of the debate on an alpine. How can I get you so you workin forty hours, I my kids, you got what age limit. Are you single out? Ok, archers Lamb unduly home by the time they get home. Ok, that's good! the family in the area- ok, well, here's the thing! I do quickly I say: ok, what's the size of my shuffle forty seven thousand dollars is my shovel. What's the size of my whole said a thousand hours of my whole. You follow me, and so I should Ok! If this lady lives on beans age and our kids due to an weak put toy. One thousand dollars to live on and twenty thousand hours on the debt it takes for years? That's a long time to eat nothing!

I mean really run no life at that. I'm sure you could do that in Chicago on twenty two thousand, but I'm just pretend and four seconds I'm gonna go on. Ok, if he does ten thousand a year, the seven years issue. What I'm doing What that short telling me to get your income up? That's why I was asking about the staff, the Great news. Is Europe? rate field that you can always pick up act for work. The bad news is Don't be time away from the kids, but but now that's the only I highly doubt all my now I know but isn't, but I'm gonna get rid of it. It's killing you and so if you mark, if you work some swing ships or something on the weekends and you don't ever work some a couple toiled on the e r, I have some extra work and you pick up an extra twenty five thousand dollars a year and you through it all at this- should be done with this in a couple years, but you don't give a,

but we can make them almost no want your babies are Roma, want for babies or something you know, that's what I'm saying something like that's happening here and it's a temporary thing and then your time with this for ever, but that's doesn't load. Little hang around like a disease, go away till you killing. This is that I represent one

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I rejoice that Abraham show European will talk about your life in your money. Sandra is with us in Seattle, Washington, I Sandra how're. You think he gave her taking EL volunteer fan to another yeah. Ok, so I won't play my profile

wake and then ask my question that ok, ok My husband been. I ve got married in two thousand and twelve. We have no on that. Aside, aside from houses, we have our emergency fund management. Commissioner, am I been off the last three years, caring for a three year old daughter? I haven't medical fail, so he had to be salary and who gets? You know sporadically get huge commissions, ok So instead of buying are our first house in my getting the biggest bad of house, we could get. We sacrifice what's so hard and we have essentially bought for houses in the last three or four years before the prices went Superman. Here in Seattle, so I went over all positive. They take care of themselves, they pay for property taxes, everything we are now. My has been calculated. We are now positive, seven hundred k on all the properties you know

and my husband spoil one k is at three hundred and twenty thousand mine, because for a little while my job and have a forlorn k and then I had trance, I rolled over everything to wroth and errors, and I have a hundred k and mine eyes, to work again, like maybe grossing four thousand I'm independent contract now go seem like four thousand a month. Now that my dark look older, we have another one on the way in November and much more time curious. But my question is money that I'm making and offer my husband emissions that come from now on. Should we start really being grass. And putting off these rentals, or should I buy do something with my retirement, or should we saved my daughter's college? We teach you, Those are the game. Europe, baby steps for five and six realistic, This might be step six of your house more houses in this case one will baby

for, as you should be putting fifteen percent of your house, sold income into retirement. Don't want you latin babyship. Five, as you address your kids college and look at what we need to be saving here, so that were being responsible. You'll have completely fund it, but get something started that makes sense you're doing that Then I would begin to pay off real estate with any other money I can find in our household budget, but your money or his money. It's our money in a pile accomplishing these three goals. Fifth, percent into retirement kids com and everything else, George going on these mortgages now you own a whole. Now right began. What is your mortgage balance on your home either that for and watch the bondage balance on the smallest rental balance, one. Seventy ok so you can decide which of these you want to attack first, if the club,

This imbalance, I always say, pay off your home first and and pay off your rentals as a risk management tool, but That's pretty substantial delay, one knock off that little rental and then you may or may not off another one. Then you may wish to hang over knock off your house and knock off the other, but how much total mortgage debt? Do you have it? calculated it s about million on the rental. Local show two million for and your household in item is one. With your own doing everything now yeah It would be like, I'm going to act as I have to pay for that kind of. I'm just now started. So I don't know I'm so like for my husband at forty four hundred on Ebay seller, but then you know it's always more than that. You know with commissioner your way, what do you think you too will make a year going forward, starting now. Maybe maybe

ten thousand and I'm Nowhere does it take homepage No answer, I'm surmise, probably like three thousand a month, but maybe like seventy eight thousand a month. Thousand earlier. Ok, everybody Her does not even have a million foreign mortgage dad that's a little bothersome does not take a long time yet their paid off, I would be looking at I'd, be picking out a cup More! Those are Reynolds to sell and taking that equity and using it clean up some of his mouth. I don't want like one hundred dollars she going to have a Megan for mortgage debt. That's that's scary! That leaves you into a a mess, and then I don't want that for you, our course show that comes from blinds dot com. They have a hundred percent satisfaction guarantee. That means, even if you miss measure, you pick the wrong color, they re

Your lines for free you get free samples, free shipping promotional run every month will save even more use. Opera Code Ramsay share is in Tennessee. My husband and I are drowning in our bills. Dad is piling up, we want and have tried to the financial peace method, but our mortgage is way too much for us to keep up about only a year ago. It was definitely mistake. We been trying to sell it for almost six months won't sell or we do keep getting worse and worse and worse, not only how to make the stop. I'm sorry, you're scared. You know the only shot you ve got is to make a detailed budget do everything you can get your income up until the house gets sold, but you gotta make. Every dollar behave and sometimes when you get in bunches stress a bunch of drama, you throw up your hands and you make it worse. By being very impulsive and drama queen. I do that

and so here instead, what you have to do to get very, very, very serious, like this is life we have to get very serious, we're not going to eat or working extra. Were selling everything aside. We were written by to jump on every dollar. It's free to use you sure every dollar, little change change the way you do it and you don't think about ten months and you can stay up with where the money is going. And arm that that's the whole thing, so you Ben and jump on this, and if your fine tune that and your cut your lifestyle down to nothing and your work. Extra and yourselves stuff you'll be able to help how to get the household when you get the house sold. This thing turns rush out up and you'll be able to breathe again and that's what you got to do. Every dollar is changing the way people do budgets. Now, six million people are using our budgeting at it. The world's best budgeting up when you get it

Your phone, regardless of confound you ve, got it, is free because we want everyone to be able to get control of your money. If you didn't know, there's a thing called every dollar, plus that's ninety nine dollars a year what that allows you to connect to your bank? and then every time you use your debit card it shows up and you can slightly and allocated to category, drag and drop? it real easy to keep your budget going. And so lots of people in this upgrade feature originally for real, simple. The service That we used connected the bank's charge, us answer, let its that network, oh no! I why Ramsey well, that's why it's so and it's worth every penny of it. So if you're in every dollar user and you're ready to upgrade check out every dollar doc. Today, nine in an box and adopt the goodies, come where that is not just the bank connection,

where'd. You learn to do and and be right. On top of it's a big deal. For no one accidently get somewhere. No one wins and says: how did it happen? I do know so random. They know exactly happened. They work their tail end off exactly how it happened. Very intentional not wander along and then suddenly wake up successful at something? It is a very detailed, focused on density, concentrating on what you're doing making every moment count towards your goal.

Tension. Reality. Perseverance, user character, qualities of people that, when life and their choices you can choose to do it's starting to day ready said go this is that ever amnesia folks, I have to tell you what your student loans that is doing to your budget, get rid of it

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in the lobby. Mg solutions should be used, for this should be our you. Pay Dave, I'm so excited to be year. Olds are honoured to have you are those? Where do you live? I'm leaving in Birmingham Bear originally from tendencies. They'll go off, you go, will welcome to merge real and so several hours, northeastward emerge, foreign do you're dead. Scream how much of you put it on and I paid off around thirty one thousand dollars very good. How long did it take

Let me right at twenty two months for you and your range of income during that time. During that time, I was making fifty to fifty five loco, very good. And what do you do for a living and are actually financial analysts, oh very cool, held on twenty eight and so two months ago, thirty thousand dollars. What kind of debt was the thirty one thousand years is the typical student loans, my car and credit cards, and then, of course, my phone, I didn't realize most of it, my car, your car, where much was how data ten thousand half over have an open call. So what happened? twenty. Two months ago, your couple years out of school. At that point, I my church had a financial conference and we went to the conference and I didn't really think I needed it. I thought I was pretty and control of everything. I've always and fruitful, never really a frivolous and then I went to this call

friends and I was like- oh, I think a normal and my eyes are open. Like I had no control my finances, I didn't know where my money was going wow. So look at my a cow and five dollars left. I guess I'm meeting Rahman tonight had no plan. I was preparing for my future, anything and so on. I remember you. Actually I heard you in college. You came and spoke at Tennessee, and so I was vaguely familiar with the baby steps and I had a copy of the total money make over at home, so we're home. I read a sorry listening to the podcast in. I was on board after that local virtue, but Europe Chris Hodges Church, I wanna covered by the term, was uttered her that's monetary days. A great pastors, a good friend, Gothic Rachel spoke at. That of our remember think she came went down, or maybe she did a service right after that Russia. We love Gaza Great great church. Yes, very call! Well, congratulations now that you ve done it you put. Did the total money make over? You got some information from your church at that conference.

Twenty two months later: you're free, what's the secret getting out of debt, for me, it was just stand remembering your why staying focused on and then just keep. You know when allotted discipline into this is a lot of hard work and it does makes it so much harder. We need dont know why, for English Why won't my? Why was I Would it be a blessing to other people about nine months into my journey? I went in for a routine, I exam and the optometrists mass on my I'm wool, so I went in specialists and testing, and all of that and I was diagnosed with a uv melanoma, which is a rare form of cancer, so? I remember last year, my mom and I live to Philadelphia, an appointment, there's a doctor up bear this specializes in this rare cancer, and we went up for an appointment and

easy work, though we. They're in the doktor said you know we need to have surgery. Now there's a lot of stuff going through my head at that moment that I'm just gonna thinking. How do I get it for all this humming an impetus, Stayin althea? You know I had already to fly home to build another fine, I've, a thousand dollars and my savings account what's gonna happen and I just really felt needed in that moment of you know. I've worked so hard so long, and I'm just in this pile of medical that now and we there were the surgery and about day two of recovery. I opened my face a cow and someone had started to go. Find me for me. So my friend head We need people to donate, to help pay for the hospital in the medical expenses and

that and last year I was just like really holding on to arms. Forty six five. It says God is within her. She will not ball and issues have. Faith and trusting in knowing the gods can provide I went home after the recovery surgery in the next few months. You know you keep getting these medical bills in the mail and I feel like after every medical bill I got there isn't there is a card or no firm friends, families and sometimes even complete strangers, and they said No! We're thinking about Europe, praying about you are paying for you and there is a check in closed, says every over the way like taping. Taking this step of faith. Interesting that he's gonna provide and is getting that far? So I'm never go. Forget what those people did for me and how they are really how God use, then in my time and my struggles and how it has affected my life, and so that's my biggest. Why? God wants us to

others and to give to others, give like no one else, and we can't do that if we're not being better stewards of what he's given us than do when you broke right, so sure how you don't know how the hell do you know, I'm I'm cancer freeze really really happy yeah cool. So what did you get? That final diagnosis a few months ago, we reached very much work good for you. Yes, very cool cool, you ve been through it. Yes, I have, I am so excited inner last year was tough, but that free came their free. I mean it's up here, there? Were they everybody's, easy or whatever it is that whatever the hill is, but you did it while you jus congratulation you so who were your biggest cheerleaders

so I went through financial peace University after that conference and my leader at the time, Kenneth Leonard since, him, and I have actually led three groups. While thank you, Sir he's always been a big advocate, huge supporter encouragement and then have to give a shot out to my work family and they had my bag every step of the way Tease me anytime. I want to purchase something. What would Dave's they about this? What we gave you became a filter in decision making up a book called worse congratulation thing here, very proud of your well done very well done. Story, I'm sorry, but through all that, but you're on the side of all of you know who is tat? It often you learn the lessons guide and not always provides yet with Opera Shoguns book for you every day, millionaires, you're gonna, be one. That's an ex chap.

Your story- and those can put you in a position that you know they'll, be all cards that you write with checks in them outrageous generosity for the rest of your life. Looking forward to that you won't, you won't be able to stop yourself, I'm so sorry the wildlife Sunday and Birmingham Alabama thirty one thousand dollars by it up in twenty two months: she's dead, free and kids or free Megan. Thirty to fifty five counted down. Let's era debt, Three two one were you. Man is also will. That falls under the heading of just in case, you thought you had an appeal landed at Europe, I'm gonna go ahead and knock out the debt, while I'm not gonna cancer. Just do a thing and work

eyepatch part of the time and oh, my gosh, those of you on Youtube, were watching the pictures come up of her in set time of for surgery. I know it's hard. But you're going to pay a price you either pay, the price of living, Eddie Ochre Life or Europe. Pay the price that it takes to be a champion in the wind I would rather get it out of the way you're gonna pay a price, shoes intentionally which right, you want to pay don't be a victim be a vector,

the programmes. Asia. That he is in young down, welcome you today. Perhaps you show Anthony Bank Perfect, like all sure, what's birdie baby tat few months ago, I've read the cutting total money makes over how to actually

to one of my last and I had a question so I just finance the mortgage. I do not want sent down campaign appear. Am I the last time that I have is my wife still alone, which is approximately thirty, thousand dollars, and I want to know a smarter to take that money and refinance mortgaging the peer, my off or just go ahead and finish up baby. That's the only way get your long devalued down below. Where there's no pay to use the money, you would have paid understood alone you knew currently have enough. According to do I have to do to do away with the Roma. Now I was, I would be saving up instead of instead paying Ok you're, not just Palestrina. Ok, this is for you to stay longer. When you get up baby steps. Four five six and you start on the house. You're gonna get the blow

value down to where you can. We find it rather pay a mile away. Six thing, it's part of paying off your house and other large is not part of babies. To where you ve got the other debts. That's that's a good question. Hokosa just shows your thinking in your being intentional, you know that's the trick. Is people to pay attention right, you know. You're you're really focused on on what to do in your thinking through it. So it's a valid question, but now we lay p m, I in anything associate with mortgage and by MR six. Now, if you could reach they ensure home today, because, long to value is where it then get rather p m. I that is not a baby step issue Cosette and cost any money out of pocket. You could rather refinanced Karlsson. Let's say ouch. Seventy percent of you can You refinanced concerning european, my or you problem we could get an appraisal if you have a

Conventional mortgage and get the p m I dropped now. If I show you up here, my forever sampling, I ve learned, so you might finance in those cases, but around the numbers out, but you could refinanced without any cash out of pocket, and if you do that, then it's an into question comes independent of the baby steps, but while it's actually affecting you pay an authorised in lower choosing between be imagining language. You stood alone, Jordan with us and Canada High Jordan welcome driver amnesia. Question about my dinner. Though I am a proprietor like the contractor, I got twenty thousand dollars. A card that no, you know carry on everything and I'm just wondering if I incorporate my business and I carry that credit card to my business, to acknowledge my personal that Your bank in Canada might do that in the: U S, they're, not doing that.

Have a personal guarantee. All my credit card in the EU That means that legally, there is no business dead, it's all personal debt, it's only in your mind than his business debt cashmeres the debt for the business it just becomes part of your dad snowball, which is what I think it has. I think, even if you incorporate they're, not The business of your size carry a credit card without the guarantee of the owner, meaning it becomes personal Dep Open, now that would be normal anyway. I read there may be a nuance in Canada that I am not aware of and not an expert on canadian deed else, but conceptually that's what it would be in the? U S, and I suspect that's what you're gonna find there as well. Of her is with us in Springfield Illinois high Jennifer. Welcome that Abraham. She shall thank you sure. What's up,

ok, I have a question. My daughter started school at ball. Community college and machine had q, yet she had to take our alone for vehicle large or small Thirty two hours while she didn't have shown, money. But since then she got a better job and they told her I'm told her once the learner at the bank, but she could not pay it off. Early didn't have any credit for shaking the bats. When I told us no such thing? There's no such thing as you can't pay alone up, because you don't have credit that So by trying to bully a young person around in saying you shouldn't pay it off. Who has you You pay the payments and give us all the interest. Then you will build your credit, that's advice! it's not a regulation outcry airbag about its advice. They might even so strongly. Your daughter thought it was a law here and she young fish, that now

but my question is: how do we help her established her credit? Why would she establish granite wound. For a future so that she can get into the mile. That's right, that's only one another's dollar is none of those that wish credit is so that you can get in a dead its adoption, it's too Let's go into debt, so that I can establish credit. Why so that I can go into debt so that I can establish granite? Why should I in a more debt and establish more credit. Why so that I can be, tall buildings in the sky line that I dont get to own called banks picture, so I don't establish grab. My credit is: have one when they're, not sure, I'm alive, They think I'm a martian, but you know what, if you I have you end up with money, cause you don't give it all to car payments and stood. On payments and master card who name that anyway,

Cindy's weather in Houston, Texas, I Sunday welcome that the issue- the aim of nice to speak to you tat, I have a quick, my eighty two year old Father alone, recently to end with that and me They are not in agreement I felt like he should be contributing to the how totally expense in my husband as in thinking issue, he move in without your to being in agreement. First, at the way, a kind of western on as he would be, they're gonna, Here are, he was gonna, be in a nurse in about a week like me, a twenty four hours to make a decision and not simply a nursing home. We brought him home, showed you did not have a unity prior to making a decision. This large would you now marital mistake on Europe's part? So now, you ve got marital discord in an eighty year old man in the crossfire,

yeah. So what? If, who was gonna pay for the nursing home? If he went ever gonna, his retirement and his money that he has shown contribute out of his retirement and the money that he has to your household income What is your household income today? It is ninety four thousand watch on which your net worth here you and your husband well we're not render agenda and they were ninety five thousand dollars and there Sir, oh, my god, you're, not if thousands and dare what's your income, we're. Not you, boys are income. Yearly is ninety point thou your ninety four were in bed and you have an eye for income. Yet enough, ok, that's confusion of grub older! You too I am fifty and minors. Forty nine and he has an eighty eight year old, Father O casually and forty one. He had a marker

Does he have siblings your husband? He got better my husband is. It fell care for her and I went online and I think it's wonderful that you're taking care of his day. I think that's all fine. The thing is that your brothers and sisters are profiting off a view while you're broke, we are supporting the care of this gentleman living with you and he pay you when he pays some portion of, What a paid? The nursing home? That's fair this is his estate and thereby what- since the first will get upon his passing, but that what would happen had he been emerging, however effect it would have been reduced even more any would have had a different quality of life. He gets a wonderful thing of living with you guys So I think it is fair for him to contribute something, maybe not completely equal to. What a nursing home one of cost. But Free is not fair right. It's not right because when you're, furthermore, does your boy

your brothers and sisters in law are gonna, get more money that would have been in your get in your ninety four thousand dollars in debt and that's not right deserved. Getting nothing to his care? Zero zippo now and so my brother and sister in law live next door to my Father in law and a wonderful job looking over him and would do anything for them because they have. All of that on them and on the other state Sherman I their amazing, we'll never bear any cost x in excess of what the US, Japan, because we are thankful there there to take care of

and that's a deviation, this family. This was the day rooms, Asia, AIDS, victims in senior executives visa for the show, listen more watch where, with David, you show up all your smartphone catch, the full show or watch the highlights and check out days upcoming, guess how did he asked or download it today? have you got questions about retirement, investing becoming an everyday millionaire, gulp, beggar and broader, with my man Chris open on the crucial genscher. I M excited to be able to talk to you all week in week out we're going to focus on your calls and it's going to focus on building well investing and how to become an everyday millionaire subscribe to. The Christian can show wherever you listen about gas hates James, pretty serve the Dave. Ramsay show this