From the head waters of Ramsay solutions, broadcasting from the dollar car rental studios. It's the rams, we're dead is DOM casual gang and paid off. Mortgage has taken the place of the Bmw, though status, symbol of joys, Doktor John Bologna Ramsay personality and a host of the Ex gloatingly popular Doktor John Bologna Podcast, is my co host today, open phones, a triple eight, eight to five five, two to five. You get real talk on life relationships mental health issues.

chaos of anxiety, depression, disconnection, I can suggest good all grandma conscious stuff from Doktor John all the time. his show an when he's on here to show you call him right now triple eight eight to five five, two to five. If you can get through today, because lines are always pretty fool around here, you can always email and participate on John Show by emailing asked John at Ramsay solutions, dot com, or voice, my holiday for four six, nine, three, thirty, two, ninety one Ryan starts off. There's our inaccurate Ohio, hey Ryan. How are you- under what are you did better the non deserve. What's up in your world arson while always enjoyed personal financial learning about it and intelligent even help make budgets was just basic stuff like that. I just got so excited about it. I knew I wanted to help what their money,

adulator, this past life may twenty twenty at a job at a bank they got. You know, that's a great place to help it with her mother. In that way around this time. started to listen to your show consistently and did a baby steps for myself good for how many you yeah, yeah I'll, show you how many lives you. Has changed dramatically and I feel like The stories I e on your show are from p who would into the bank and I would You'll pressure enough from advisement corporate germ cell credit card. Each cell home actually lies a credit. I feel like I'm This position, where I'm putting people in a position to you now they come to your showing to eat, I mean, like I just feel Like I'm pushing you know, my job is to push that in more depth

and I'm just wondering where you know in the financial world? Can I go but this isn't there. You know making money for companies that yeah Well, I mean if you work in a peach. Oblation can be shown pizza sway, shall I mean that's, and if your health food, not Probably not gonna write lacking any I'm so that that's gonna, where you find yourself a lot. People with your age group gravitate towards the the investment advisory side of the business like our smart, vesture prose where you work for. A local organization that is a member of a broker dealer and you help people get investments going and most of those people do not peddled at most of them. Pedal investments and they had some of them- go extend beyond that into some basic

financial planning. Like their hook, you to help me get away all or they'll hook you up in that world. They do now are shorter than Europe, generally, just do investing, but the ones that we endorse. But you know some, get into that some of them get into a little bit of it, but you have opportunity? Let's say you had a a client that had an investment portfolio it was two years all, but he had a thirty year old daughter who was struggling and brought her to you, and you can go to help teach her budgeting in the process. We did to do a lot of that kind of thing in the crossfire like that we place on the banking world, where you're able to Well, you're not forced with a quota, abolish breathing down your neck to sales. That, like you, have experienced is small town, local banks. The banks are as are gradually in the debt marketing and and credit unions

Why I endorse both both of those and not the large mega banks, because the mega banks are pretty well there's pretty well Paddlers is what they do. They dressed air if they figure of your breathing, you need a bunch of their debt. and I don't know which one you're working out of the mask, but that larger ones, are much more soulless in there ouch and arm friends and the community banking business? Obviously I don't blame him. Borrow money on teach people borrow money, but they're much more responsible with there action more component for them with their interaction with their customer versus mega banks that a shovel as much down some ice throat his and get in there and- and You're gonna lose your job. If you don't show a certain amount of credit cards, carloads unhomelike, witty lounge opposition and outside the light, the the thirty thousand the of your question, is you can very long in a job that violates a core value of yours. Weather

treating people disrespectfully, whether that's a gave said peddling food that you think is not healthy selling debt, Ets, point you begin to fracture from the inside out. Ya mean logistics, completely change the metaphor. Let less pretend that you that that alcohol from killed your father? I believe, in drinking entering Scared that you'd make a horrible, bartender and that's that's what Johns talking about. Is you don't need to quit today? You are not suggesting you run in there with your hair on fire and make some political statement or not greed and at making known activist, ok, they are but long term. What is good for you is to find something in that's. Why that's? What that's the issue of God? That's what your script, is long term. You need to find something that is, can grow with your belief system in your values, you're, not gonna, approach, or otherwise. You're never gonna be a really great banker at that bank. That's exactly right and you never to be able sleep either

The ball shouldn't be happy. The customers argon be happy. You're, not gonna, be happy. Nobody's, happy, you're, not soon enough that the customers- you're gettin, They're, not happy you're shown that you don't want so there. You are not happy nobody's happy here. You know and show you know you just had on your pillow dude an answer: our desire developing you know like an eighteen month, runway twelve month runway. This is our it I've gotta start doing tonight. in common materials, on hunting for a career about a career and investigate Francis the financial advisory world watch it to get into that. What am I gonna do? What licensing am I gotta get? What am I gonna do to get hired in that world and began to move in that direction, but the eyes here. I would not ask a peach obliged to not shall pizza and I'm not going to ask a bank cannot sell that. I am almost of you cannot buy it from them you're not harmed, but I'm not gonna

back then alligator acquit biting it's. What alligators do in this is a common situation. He said just graduated turns job that he wanted to help people rightly You have a vision and help make more money in banks got money all over there. That's right man in, but that happens to graduate all over the place right in and they get in it gets you bought the currency or sausage, made see what we are actually doing here and then crisis of a value crisis of cars, now, it's very real not appreciate your eye and you gotta go you're a man. Integrity, love, an you weren't! You aren't bandit. Mcqueen about it. You weren't going crazy about it. We just going to. She feels we're not don't think it's gonna work and you're right. It's not gonna work

and they're not gonna change, right that, how do you treated with dignity down in Haiti hold? Your head applies when you can find some Melvin you're gonna, be Euro socket sewing death, so they're gonna be happy when you leave. This is the rams issue. If

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visit the check list and find out exactly what I wanted to to buy the home you dreaming of text home checklist. Two three three seven, eight nine make is in New York City High Nick welcome to the driver to the Ramsay show. What's up. I do indeed, I wanted to ask you: twenty two turning twenty three this year and I wanted to show saving for my retirement, company doesn't off for a forlorn k plan or anything else. So I was interested in what you thought, Sir, kind of irish Irae, I should get into a traditional won or lost wandered, something like that or if you have a better solution. I would love to hear for you you're, ahead of the way the card be working on this at your age, actually had sorry, that

yeah right now the only pin the only payments. I make my phone lottchen much about fifty dollars, mocha your phone. What phone watch my myself alone in my small watch. Oh I'm just altogether. They cost about sixty dollars and audacious. They cellular service, ok, in the end and how much more do you haven't shavings? Well, in my personal saving there, like a few thousand hours a three thousand dollars, but when I was new grade, I got hit by a truck. So I was eighteen. I got some money from that and I invite you didn't stocks. Love the two thousand and six stocks, an EU trade and such like that ok, it won't work before we move into investing and need you to have three to six months of our shoulders fences are you on your only live a moment at nice, delivered methods

your three thousand are probably, as your emergency fund, to start with Nicholas back up. The first thing is: I dont do single stocks. I know a lot about them I buy by investments. I've got hundreds of millions of dollars of investments, and but I dont by single stocks, because I don't like the risk associated with that and the game. You're buying, there's a lotta risk. Now, if someone is really loving it in, you obviously have a forwardness, something you want a fool with no more ten percent of your worth showing case about two thousand dollars worth is about all you. Oughta have a single stock you're, taking too much risk, in my opinion, ok, would move that George mutual funds and as far as yarning he Kiev she's, not only single stocks, but it is mainly nostalgia. Ok,

and then the next question is: when are you planning to move out and what money do you need to do that I don't really have a plan on moving out, yet I'm still look I just started working, I probably would wander moved out between twenty who twenty eight years old Personally, I am really nice. Really sure on. What do you mean by TAT yeah when he might now? Fifteen fifteen thousand a year, in a word said he program right now. Yes, well now you a lot of time. Will you complete the work programme. two years soon enough When you get your income up to where you can, I know what you're twenty eight years old, your mother's basement, that get out and get it. You do not need to start Iraq irate, yet you need you.

power money to make the transition out of your household and complete church studies in complete your career get your career going, then you need to start and I will start with the Roth I re in good growth stock. the funds. I love that you're asking the question. Little bit early in your price, not in your age, but in your price, sure in the middle of transit transition, things that need to happen. Before you start investing I'm starting up ahead around that Spirit and also that teams, it does seem that about your hair. The very often in someone's king, so strategically and so far ahead, and eleven to my parents, us about thirty, twenty eight. It's always the other way around. I've got people like racing other parents house the moment they can combine away big to beguile truck and say: hey man, you can have a future due to this kind of a throne will bit

place near its own place as soon as you mean. I propaganda that on fifteen Kay, shut up you when you get to work, anything going in and get your income coming up. The next twelve to eighteen, twenty four march or whatever than us, move out, get your fully, an emergency fund at that point, three to six months of expenses remain and stay debt free through that whole process and then start investing when you're stepping into your India or career and percent of your income is what I would do there and good mutual funds with a good Raphael, a bill. Is Witherspoon Dayton, Ohio High HI bill? How are you big Dave, how you do better than I deserve. What's up of also some guy depression on genetic inheritance away from the tree know how everything that free the other man she found of about twenty five thousand dollars to inherit about four hundred and forty thousand dollars? Smiles and data

in a year, it's gonna, be in a locker normally traditional irey, nor can inherited IRA. Ok, here. So I don't know what the best I mean. I think I have to take that out. You do everything again taken over the years. The idea tat you got ten years on them. The new laws had just passed a year ago and so you can take out a tenth year- doesn't mean you have to get out the splendid, but you it's not gonna be protected under the IRA and whatever you pull out a taxable each year no penalties on it but you can take and you can't run into your own IRA. You take it out, pay the taxes and then you do whatever some forty the grand a year's gunnbiorn allow into your hand, and the decide ahead of time after time after to pay the taxes on their. What am I gonna do with it and, in the meantime, till you gotta be parked in you. Can you can move the investments around inside the inherited IRA? Art is already in good mutual funds. Or do you know-

I'm not I'm sure I don't do that. can move around. If I want to be around here, you can you can move the IRA to a smarter pro shut down with them, develop too for game plans, one for the existing policy money in mutual funds and too Am I gonna do with these mandatory roll out these, toward my this mandatory money out, pull out an interim. Have another investment account and it just move right over into that after taxes. Ok, How can I got home? You know how did I get on biometric? You know it's not required but I may you may. Why do you may want to do some nice things whether you may? Then things you want Spencer, of the sound, you may be sure, generosity things you wanna, do Then they all that's, ok, your money. it's better to take it over the ten year periods of time because of the unseen for less than tax. Yes, on the back

all that money. That is tax. Let let's say you pull ass ever hundred thousand dollars. You pull out your notion we five grand or so to the government that twenty five grand continue to make you money in there

the ten using the governments. What is effectively gonna become the government's money. It's gonna make you money, so I'm gonna send a term till I have two. They only downside is. We may see some pumps and tax rates in the current political climate will say. Thank you for calling this Ramses pay. Folks, this kid Coleman. I love my burst. Sonic toothbrush studies show that smiling, improves your physical and emotional health and make you more likeable. The soft charcoal bristles powerfully remove plaque and will make.

Teeth, wider, your smile brighter and your impressions better and burst. Smart and affordable replacement head subscription is just six dollars. Every ninety days visit burst oral care, dot, com and use the code can grab burst brush First Lois, forty, nine. Ninety nine that's burst oral care dot com, John Bologna Ramsay personality is Michael host. Today, phone numbers AAA eight to five five, two to five kill me is whether in New York city I care about you. Do you think the case? My call sure sped away suddenly spelling my best, my property to use as a down payment poorly home. The issue I bought it for three seventy five j and it goes by

probably the felling, if the three forty spies case it'll, be at a loss, lost life couple days Capital gains are based on me. You didn't do a ten thirty one into it. You didn't write into a dead. You know, I didn't know you, have a capital gain if you're not gaining show our welfare battalion show your fine wasn't losing money. Current situation in New York. so I bought it doing emerald bubble, though it was when in a race for high for homes and now this new never get. It never went back up to that quite point again, two thousand I ain't going from covert yeah now from through that is, but for fifteen years and never went back up to three. Seventy five I am rather that here it is it's definitely not a. I guess, but often experience, I'm with you I'll take my loss. Take MILAN should move on their rights

right and say attacks Professional Derbyshire, I'm not attacks pro. I don't even do my own taxes, but I've been done or real estate Thousands of real estate transactions through my life- and I do know capital gains law, you do not have a capital gain if there is not a game, it's a pretty simple thing: wait a minute. You know why you need to see your tax pro, because he has been doing your taxes will give you your adjusted basis you appreciating it for fifteen years and show you been lowering your basis for fifteen years, your basis for tax calculus. could be less than three forty five. It is not you paid for it is what you paid for minus the depreciation you ve been taking on new taxes that your adjusted basis, that might be below three forty five show you might have again. But I don't have any way of knowing what that is. You have to look at your last tax return or talk to your tax pro, but if you ve been so

radically depreciating the thing for fifteen years. You may hundred thousand dollar gain very well. Could so so mock me through that I know that if I have a tractor from our farm, I'm gonna depreciate that every year, because it's actually losing value and when you're salad, if you depreciated on your taxes as a business transaction, is a business tracker, not a gentleman's tractor amendment yeah. then it's going down in value and you know what the house, a house with weather it's not the large and value, but it's the same concept You are allowed to write off one of the house every year. I did not answer as a tax of the are the lot, but of the actual capital improvements, so Delicious make up a number of say that Three: seventy five allows where seventy five she got three hundred thousand dollars worth of capital improvements that can be written off over thirty years than this. larger

that regardless of the house, can be worth a million dollars. She can still right off. you don't know, was worth huge bodies depreciate. You can take ten thousand dollars of laws against your income depreciation. In that case, if you divide it, three thousand authority. Ok each year by Then that lowers your basis. So if it saves ten thousand dollars- and you do that for fifteen years- that's a hundred. Fifty thousand you ve low your basis now, when you sell it everything above that lowered basis is again we'll play and so she's gonna have again if she's been depreciating that house and she probably ass most people that around property dude depreciation gossip enough sense, at ten thousand dollars and you made to involve our in real income on the house. Your tax, free income right so shelter, sheltered at Eurostat, has attacked shelter to enter. That's what I take shelter is one that is where the phrase comes from.

Colleen is weathers Augusto Georgia Colleen? How are you I know how you think they gave him my cop, true oil, I, Well, I'm a bit of a bind world careful. I recently came across your programme you're my church she was given to us, and started following your programme about a month ago, come on baby back to no I've already completed. Baby spent three. I know you're gonna stay, you know what you're gonna stay, but concerning the watering down. I have my husband, his has been kind of unstable Simon. What on earth without depleting savings, and throwing to my last that so I guess I just need some advice, well you're right, you're, not doing the baby steps you're doing your plan the the the thing: how unstable as income I mean. Do you think he's gonna lose his job

he's having some samples from struggles and hygiene, go away at time to speak, to treat me any kind of black only by what you find, because I feel like you make and asking come too in relation to all lining the addiction yeah. Ok, And what do you make an? What does she make I make about eighty thousand a year, he's around fifty I urge that the you haven't much is in savings. I have eighty thousand dollar Carlo end, twenty four thousand dollar person alone with euro interest and a car learning about. I don't have one point by benign and I ve actually been able to spend an how more crowded and about no do you have a monopoly for Emma showed me fear seventeen thousand,

so there is not really out a way to work in our system like your working it, what we tell them just one of two things: one is work the system and I polish outpost. Sixteen seventeen out throw it at this situation. I would Do that in your situation, second way to address this. Is how I'm in the middle of a storm, and so we don't work the baby steps. We just push pause and we pile up cash. Ok, how long has he been struggling with this? And how long have you been married we ve been married at about six years, he's been struggling. about that I was aware, as I guess I I What I want my children did too the outcome of which relate to a lot of PTSD war time issues and things of that nature is hurting.

and he's hurting you in there dollar hurting and so you don't need to be working in intense baby steps program. You need to be piling up cash in addressing this and you don't need an eighteen thousand or card that she, probably move down in car until you get this situated shit cause nothing. We can do to have more cash unless that stabilizers your life, while you fight through this and make these decisions I'm so sorry but limit You wouldn't. Let me tell you what you can't do you care continued a shorter do life while he sort of fights this and I'm sort they're gonna work plan, because a sort of hope this is all shorter. Ok, it's all in all out am I missing something drone, that's a hundred percent right and love If you D centre right, this is a time to be Gazelle. Intense Gus somebody's hurt right. View even a few pile up cash, and you put it in your checking account and just even mental you can take off reinforced, closer in six.

In a year, you're able to just dead, chicken and pay your dead down appeared at off, but he needs to go. Full and get the sing taken care of order, in our opinion, on getting curve in that way which egos fool for venture here to go on, get on a new road again well, and indeed you buy aside and up and that process you. If your ear you don't You dont glide, in the middle, with PTSD, with addiction resulting from it. There's no Middle, can I ask you, can ask you this question going. actually less you risk. We hang on her knee and roll over the hang on here and I will catch you after the break. Em, don't ask

question as we follow up here. We'll make sure we walk with you, because your financial stuff is is ending up being the symptom of all these other things and the fact you can't move forward as a symptom of all the other things. So we got to help you out with the whole picture and this this is a good man. Who's been wounded and we want to help him hard hard stuff

our scripture the day Hebrews, ten, twenty three. Let us hold fast to the confession of our whole, without wavering for he who promised his faithful, Camelia BAR says it is always the simple that produces the marvelous air would go we're talking. Colleen in August to Georgia young man that she married has some PTSD and is resulting in some alcohol ism, not? Some is and so his incomes unstable because he's been apparently in another rehab a couple times and so she's trying to figure out how to work the step hearing that we told her down shut down pile up cash and less work on getting him. Well. So

We are well so that we can plan our future up and that's where we left it. John dishonor, going so let me ask you this. Sometimes folks who are married, they love somebody struggle with addiction, such a helpless feeling it's such a unmoored, unstable feeling that they start looking around their world and trying to grab hold of anything making, control and just, didn't really heart is airport, this situation, where you feel powerless as he's gone but down struggling with this that this debt He is a way that you can grab control here. You just look at the budget in your terrified You do. I can't hear you call your phone one satellite, oh, I'm sorry, I'm your leg!

it's a little bit of everything I feel like I've. it has been a struggle because I feel, like everything falls on my shoulder, then but he never he's only brought a watch. We just luscious going. yeah we just lost there. Yeah Dave, as I was saying that that powerless feeling and its which brings us using always presented to the table, something a dozen times he doesn't, tendency is, is just to say what can I do to make myself safe and then you jump in a programme like this. That only works. If both of you on the same page right and one of you really is dedicated to a process and the other person can in an hour not healthy, not fully. Well, I mean that and undermines our relationship further accidently rhyme,

suddenly you're you're gonna head to head on how we spend money gone head to head on, making money and then just separate from the inside out. I love the idea of stacking cash, make it your on the same page? If you ve got to do something to help him, when his debt free journey, I mean, I know not where my remove down and out of car, and I with other than that I would just pileup cash- is highest like a package to give her that I think that more Carla, not because it's an expensive car, but just it's dead, come Carla and, unlike really before, anything, we can do to make less dress, so you can pull up more money, so you could The real issue and the real issue is to help him get some healing and like his wounded, warrior innocent, psychologically Moser hard man hard moments, a tough, it's a tough thing to go through time. We love him and thanks for a service and on energy, as work Let's get,

every body on the same page, with an ongoing. an ongoing counselor, twelve step. Grim and a rehab or whatever you need get it all lined up and pay for it much do it still Diane blog at him with a visa, whatever you gotta do to get the help, and need a clear eyed. You can't accept this as an on going out on our project this for years put your own home helps. It was thought that this was an hour projected for you. I don't want you. Projecting this instability in and out in an out and out as a way of life, the next ten years, no or twenty years now, that's, not ok that becomes codependent on your part. get with somebody with PTSD anachronism that will get increasingly unstable that will contain to devolve into cheer you're gonna, say: they're gonna healer, it's gonna get work training, and so yet we worked on the healing shot at the worries. Ok, we have a number of years to you Three years, whatever we're gonna be clear of this, and when I look back

review marigold allows crappy, I'm glad we did together and I'm glad we held on and knowledge work. Turkish Pollack ash, endless work on three! When let's get going much in a day, you wanna you wanna, accomplish a goal. a clear eyed! Well, focused better. by your side, man, you're gonna, go cities baby steps right, there's, no It's hard to stop doing that. You mean him. He'll. Tell me, please give me your grace party overhead, because I mean you know when you remember that These are neither are you been our live fire credit card number. It's not that it's not a big thing. You know. I want every veteran listening to this DR and on the road by yourself If you're struggling, please, please not for anybody else, but for yourself do it you gotta, do go, get well go see. Somebody go talk to somebody and then-

we're going to realise it is for yourself as also food. Kid itself, free wife does Vyazma go get help, but the healed version has an unbelievable ability to focus to do anything at all. Why up a real our discipline, that is there and its foundation, and I want you may a clue. You show clear, eyed, veteran, the other. They have theirs built in priorities than elsewhere. small stuff in its all small stuff- hey I'll, never forget man, I can t who is right now I was walking down the worker to law, school or watered down the hall, and I said man are It was exam time and logical. James, hard said man I stressed, and he said well, sir. Nobody shot at me today and I'm in the air conditioning some doing all right may vertical. That's us worse!

What a perspective was an old sales, all sales motivational story, the gather one now the number one sales gaffer one of the big one of the big franchises and unrealistic and they brought him up on stage to give him Brophy number one in the whole nation said you know. How did you do this? It was night. Hardly talk, people browsers nearby houses, we may not work. I walked emerging that Anna. That man looked over those young couple unharmed magazine. I want our should Hey Gallagher houses they should now Anna Arabs, solemn houseless, it will want you're scared walk up to strangers. They should tourism, Vietnam. I must go to Paypal Margaret a clear eyed, clear, eyed veteran will help. or community challenges will be the best husband? You can read the best watch, the Rev go, get the help you need, you could do it and she she's braved her

We fight, NASH beside him, but dont go on go on you under the illusion that you can shorter. Do this, you gotta go in and you you can of over here while he is over it down the threats. Not that's! Never gonna work as a lot all in on healing first then go to the baby steps and you are going to sail through new baby step. You have a new baby step. Yet do this before you start by bishops, I like it, that's that's what happened and true in any situation where there is a crisis of some kind and what you guys are facing a crisis and a lot of pain, wanna hurt and will be paying for it. We love you and we appreciate his service. We appreciate your per serviceman here: you're you're bravery and staring this demon down if you hold on Kelly every phone, which I wish she dropped down the garbage suppose one another, but if you're still there tell you pick up and

we're trying to get John John Show later, and maybe you can walk you through some other stuff, and you know, walk you through the that the whole process personal finance. Folks is eighty percent behaviour. We all know what to do with twenty percent and knowledge it's not a lack of knowledge, the matter being able to do it since eighty percent behaviour. It's also eighty percent relationships. I was going to say it is functional. Toxic screwed, up twisted messed up, family extended family, behavior addictions laziness, the whatever it is going on in people's lives. Fix your finance is more than your lack of knowledge about how to do the math

people in your life you find out here? I can't stop eaten this thing. I can't stop drinking this thing. I can't stop filled the black. Get people show John Hume Job James Childs in Canada, the both I'm Dave, Ramsay, your hosting we back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace and that's the one daily with the Prince of Rice have a friend or a family member, the needs a daily those rambling advice and their life. Let them know about the Ramsay call other day, pod gash, it's a quick of advice about life and money in under ten minutes check out the rambling call. Today, wherever you listen to hot, get every

going for fun and practical ways to save money in your everyday life. You need to check out the Rachel crucial upon guest from money, expert, Madonna, Rachel crews, guises rates of crews, and I'm so excited to tell you about. My party has a lot of you following paychecks pay check their end ass. They don't even know where to begin that they have this need this want to get in control of their money, and is that you have come to the right start. So in Egypt, the cellular and get a time of inspiration and practical advice not subscribe to. The rates of crucial podcast makes review it today, you're more from the Ramsay network, including the Rachel Crucial wherever you listen, depart, Gush hates producer of the Dave Ramsay, show this