Why, from the headquarters of Lambs solutions broadcasting from all our car rental studios, that's that day, Ramsay Show were not as dumb as just gang and paid mortgage has taken the place of the Bmw status symbol of choice, I'm they ran through your own. Thank you for joining us America, open phones. Aaa too far, five thousand two hundred and twenty five that's eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five, you, Japan will talk about your life and your money,

here. It is whether some Texas, I Garrett, welcome that over amnesia I appreciate it was gone on how you gonna make a brother. How can I help? I saw I recently just turned twenty two Sunday. I go come interesting story. I guess you could say EL cards for a living? A word for forward here and asked in and last year was a first year into the business amid fifty five thousand, but wherever out of high school, my dad started this it's gonna need my name. Why so either taxes or anything like that or adopted on five stopped up. Why your father put his business in a high school kids name, then it I'm not sure so he started selling I just want to say items on Ebay. The band of Ebay, what his account his name under his social and all this stuff. So he asked me to create a pay pal account for me, one word of what we know I was young he does that make you need my dad. Did it made me again,

and everything, and he demanded the account any store, the idle and stuff at the house. So the products further years and here recently he had quit. But this letter in the mayor of an Irish saying taxes for three years- and you know I never really made a substantial incorporating like that. I went to college whenever deprive above per year in our galaxy endowed in its due to launch the debate Your dad never found taxes on these transactions. Is it my me? I'm not now because he's a skunk. Ok, yet, though, the business to Dublin seventeen they did did twenty seven thousand failed grow. Phil dont know what how much of it you can write off or anything like that into of eighteen needed a hundred and twelve thousand on two of the nineteen he do like a hundred and eight.

If we accord million dollars between the three years just grow sales, How much on that I can write offer whatever I dont know. I talk to see. The aid that I was referred to Dollar theory of the earth. It'll be about nine hundred dollars to get the taxes filed, knowledge the adventure, the game filed since last year with him, but he won't sit down. We need to figure out what I can write off and what I can- and I have been asked to if I should just write off or another, by my regular income taxes with a company from ford- and she told me that mess it up. We need starting to happen. Seventeen if all those years first because in the Irish were just now more letters exactly So did I get that advice was correct and the nine hundred dollars you're spending is what you're doing do immediately. What you're going to have.

I'm pretty aggravated your dad right now. I have to say that what kind of father does this constitution son rate and fill, do what erase myself, like my moms and prisons. I never had like a mother to talk to you. I said that if you sneeze and my dad a girl gambling. No matter how like like and stopped short well, it you know what the item was. Selling is right. I knew that another is appropriate for the show. That's fine! I doubt that you don't do that. That's not the point, which is also not surprising the, but what what you can do is sit down your sheep here and you're gonna have to follow, returned based on what you think your cost of goods sold one meaning you gotta Quatermain origin gross sales, but every one of those items. He paid something for them. If anybody,

Finally, on the alley expressed too, I know where he bought up about how to get their borders. It's got your name on it. The alley spread like a different account. He used a pay pal corridor, a good debit card or something that has to pay for our his name, the bed, the to purchase the orders so every transaction and everything that went through Ebay, mining, Anderson, ok, so what what you ve got to do is get the best information you can get a hold of to make the best guess as to what he aid for the items. My guess is that he wasn't making a that. There is nowhere near to ineffective our profit here. There's probably there there might be thirty or forty thousand our profit here when everything said and done so what you ever occurred last year, he said about. Sixty percent was profit. Ok! Well,

What I would do is gas if you can't get real information other than off the top of his head. One thing we know whatever he says is peaceful, a crap. We can't believe it, and so you ve gotta, looking and actually do some research as if you were gonna, reopen this business and find out what you would be paying for these items and then reconstruct a business profit and loss statement with your superiors help and it's a gas but that'll help you find Well, if you get audited, that's when you got a real problem because you don't have real records but you're just gonna gas you gonna, guess I as to the expenses. The right up isn't exactly. There is little profit as possible. To keep from paying more taxes than you have two on the income her father used in your name?

stole from you because that's effectively what's goin on here, this is gonna cost you tax money to get to keep to keep straight with the IRS, because the problem is you're social scourge he's out there doing stuff. Ok, The last thing is, if you have a conversation with him. The sounds like this never use my name, never use muscle security number again ever for anything or I will file a police report for identity theft. It needs to sound just like that, it's gonna pick him off and I really dont care. I currently live with him because I'm trying to save money to separate you need to move my ride been moved, Georgetown and just the rent,

nothing like it. I didn't roughly make about forty five hundred grows. I just I couldn't say you anything. I want to, I want to buy duplex. I wanted less happy tragedy. You cannot justify anything you're doing to continue to stay in the household. This is a messed up situation. He can not user name anymore and you ve gotta get some to physical distance from him. I hope some day you can repair and have some kind of a relationship at some level but TAT Day, Europe other has stolen twenty or thirty dollars from you and stolen your identity. You cannot continue in this path. Because it's not gonna, stop man, it's gonna happen again and again and again and again and again financial abuser and you ve got a separate yourself from him as soon as possible I'm sorry! I'm sorry! You're going through this endless man found you good charging Plug Dan and get hooked up with a good passionate, a walk with you.

Entering manhood okey road and you good man. You got good places, you can go! You don't have to be this way. You don't to be like him this is the diver amnesia we ve been voted.

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our marriage or parenting. Our relationship like you, we could all get better and you'll learn stuff. Here I can Paramus you that so I don't miss this gotTa Ramsay dot com get your smart conference ticket. Right now. Are I Koreas Weathers in Arizona? High Corey welcomes that ever Amnesia data, Goddamn you two what's up, I'm in the military here Crustacean Arizona, Question about eleven based has moved on base here, debates, housing, people there. Housing allowance. They take all you how they allow, depending on your rank, to move you into a certain house. Between me and my wife or make about ninety thousand a year before are before my be ages, took it out, like it promoted this year. I will be paying seventeen about seventeen fifty a month for this

some days, I include your utilities. Are water no gas here, but the others had accused her. People worked like You should know you're you're, not gonna pay for house. If you buy one, I'm gonna get the word, servants by another. Do the right thing me, my wife, what they wish to do so get some reassurance about that. But if you want low base for a thousand dollars, rent the be ok, ok, your way around here, we just moved from off basis and we were paying twelve fifty bucks. Who said if you re very renewed, our LISA would be backed up about fourteen but you get some doing. Women alone recharging showed fifty ambitious it correctly I have argued promoted this year, but that point fourteen hundred big deal. Then you be off base without. Housing off base be better quality or the housing ambition.

I bet it depending on what area here in the warm station at which I would answer on banks which is better out they are based on base. I did not know, but they also work everything. That's not national, no traffic, okay! So here's the thing I would not buy in this situation, but I would round if you want to move off this, aren't you get cheaper, ran, here's a reason: you're gonna, move. They're are movie ever two to three years: and you're gonna end up owning houses everywhere you live because you can't sell em, correct, I'm not gonna be out will probably here for at least two. If I dont couldn't to move anywhere to be stationed somewhere out I'll, be be here fairly, similar the six years and me- and you know that's where about your work for makes you on that.

Special drop. It kind of soda- if I know put in this different stuff that open in for a basic purpose, a change state I want you right if. Man, I move, you guys viewer, you keep you need it. Many do a better job of convinced me! You're, not gonna, get move for a talk about how we gonna be there five years, broad byles, because your play be able to sell it when you leave and make money on it, so the market. Hot enough that you can sell it or is it overdone and are sixty three thousand houses on the market because her by the military bought isles and then they got shipped now the gallows come all this fly on the market, which is what usually happens in these settings and you can give the Stupid house away? that's what you're gettin into house is Adam idea, which is usually what you're getting into entirely, I would not buy one until you know. You're gonna be a place long enough that the house is going to go

enough in value to offset your cause to sell it and You're gonna be able to sell off the back end if you're convey of all of those things than buying is ok, but you need to do indeed be re, you're, sure you're gonna be there comes a father got move your but man unless you got somethin some reason. Dictate to keep you there some specific thing you ve gotta, very unique job. Guys done mainly at that location. That kind of stuff will keep you there, but it's you know that five years unusual unusual thanks for the call involves a triple eight. Eight to five five two to five Joshua is Withers and Nevada Joshua. How are you that's how you and it better than I deserve. What's up? Ok, so last year I bought a car. My negative value and abide by those thirty pounds.

Our agenda now about almost fifteen thousand dollars upside down on the cod would you pay for the car I paid twenty two thousand for the car. What don't seven thousand dollars in one year. Well, I finance thirty. As I have not got that far, you shut your fifteen thousand in the hole you paid, twenty two, the means of cars worth If being now, yeah windows, seven thousand dollars in one year. I've had terrible luck with this car. I've had like three people battle I did so I got. Damage is on the cards. So that adding to the? U dont have insurance about my power. I do one of the car fixed seldom exemplary because might adopt the boys a thousand dollars. So I mean the damages each one, so the claim for each one. If I could just pay out of pocket and in part be lessened,

like eight hundred ostriches oak. I shall I dollar fixes and then what cigar worth a best? Seventeen, eighteen thousand, ok sure you five came, thirteen dollars and a home good Lord. What do you make. I make of me my wife combined income eyes, six thousand, but I use a car for ever. I carefully with that. It's about seventy four hundreds of my question was I sell it and get a better too are I'm just swallow. I guess I deal with whatever I have or keep the car and keep the extra income. Such you're, making how much on over a month about a thousand driven by three nights a week,

I'd rather not much of your doing, my can only make a thousand bucks not viewed. Give five six nights a week be three four thousand a month, yeah, you might do very much you do it. I would sell it. Cuz you're not doing this much okay, it's not it's not justifying it and you've got a mess on your hands and just get you a Peter and let's just work our way back out of this you're going to have to drop a bomb on this cuz, it's a mess and that that's what you're facing it. That's if you can get a loan to cover that difference, and you were deeply on the whole. However, that average thanks for the cause of this is that I Ramsay shop

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thank you for joining US dollars per day. Branchy show open phones AAA eight to five five, two to five in the lobby of Ramsay solutions on the dead three stages: Steve Dave argument, Dave you, the man, you are welcome! More, do you live Quincy Illinois welcome too. Israel, and I want you to do your dead, free scream. Oh yeah, I'm so excited love, colonial for two things that forestry some smooth tenancy whisky. Sir we're gonna get supply of both oil that much

paid off thirty five thousand dollars a ride along with that take six months are good for you. While I am what would your income during that time? My based pay was fifty with all the overtime Edward did it turned out to be just a little under a hundred thousand. You been get, I was crazy, affected. Every little bit of my life was for the positive. I mean you and I never work now didn't have alive. There was the hardest part. I was in a note, the social obligations and for ceremony for six months. Six months, Sixteen, our ships are lucky enough to get over time. I am correctional. Officers are actually work in a prison and thankfully, for me the prisoner It's very understand, sir, Their people get mandated internal crying. I was the one that was like yes research, anymore: overtime, alive: it love what kind of debt was a thirty five. Stu Laws so lets you, our environment, six months,

well. So I found out about the job I did eight years for the military felt. Nobody really chooses to be correctional officer fall into the job, just sit there for couple years and finally, but somebody left you on the radio at work It's not like you know what I can do this and there despite a grown up, then just financially, but this gave waiter Everything else am I live while great, while really open open it up about turn. Twenty seven, this weekend to happy birthday regulations. So what else changed in your life, so much man register I started with their people like you, Joe Rogan, in Jordan Petersen Alot of positivity start effect in my life and good for just so thankful. Thank you so much Stick with that career. You got another one. I honestly, I have no clue. I've never really put much thought into it. I asked

aside hustlers working overtime, the little man off and I couldn't get over time. I was actually I'm in a country ban, so I'm on the roadmap. Contraband were called nonstop with way three hours now Show sixty songs no brakes while so the good side also, you know how to check my, but a little bit gets money. My demographic was forty five to six. Old divorce, women Do what you do on your phone good for you, that's great you someone, Sir well, so congratulations how's, it feel to be free. I can You know what I was the only to all the time and you're so right. It turns everything into an inconvenience. It's not stressful. When it comes to money. But I d driver haunt out there that's beaten and battered

are they drive hottest like that? For there s my life, there are paid off, but if that broke down the did, I just get another cheap car just like that. Don't worry about it. The same level never thought about it. This way before you back and control your life, hell yeah fuel Well, that's very well! Thank you! Well it we got a copy across Shoguns book for you every day millionaires you're on your way to doing that, signed by the man himself. Thank you somewhere, surf what're, you tell people the key to getting out of debt is oh, my God You gotta stop treating yourself, so you can treat yourself, in other words, live like nobody So you can live like nobody else, so as to stop treat myself with the little things and really set goals. That's what I've learned is a much happier when I'm in pursuit of Gore layer that sir, we all are as Verger good for you. Thank you. I'm proud of you man. Thank you. So much for your biggest cheerleaders

a lot of my co workers. A lot of em are actually back. There take a lot overtime from me right now, sir. I started a tree and the very cool I love it very, very well done Steve, good stuff, our eye a thousand dollars played off in six March, Megan, fifty no, he doubled in doubled and doubled and when, after and applause with overtime com. Download, zero, dead, breeze grew what I feel like dead. Free singin array too, to one. Very, very world, that's cool! He did you know those of you that are single, you have the distinct manage of not having to talk some one else into this.

And you also have the distinct advantage of not having to worry about someone getting their low feelings. Heart cause. You work all the time and so what you do? He just said: no life more work overtime, like a bunch of money and get this done. And he got worth man, that's very impressive, very impressive. They put him hours grandma used to size replaced going you're broke to work. Put in hours, my grandmother used to size and great place to go in your, difference that someone who is a conqueror is a victory for not a victim when you're a victim. It's like Ready control with me, The world is bad. I can't do anything and they wine, their law butts off the wood. Location of America, there was someone says no baby, I'm I'm in control of my life, they go touchdown I'll, take off every time I can get that done work. Although the country ban

An work will do this. That done, will do that and you get after it you I believe the cave kill, sampling, interregnum. It causes money do occur in twenty seven years old. That's a millennium that can do anything he wants to do because you a work. Another Senegal knows how to go. What a rock star around man, that's an EU country star, but but are we want as a credible, Steve, just amazing, ferry very well then tell me Twenty seven year old girl down this is their great man. I love this generation. Like your modem urged on fire, Now there's a minnow participation, trophy collecting living in the most basement group too, but grunted the more these guys were everywhere and they kid it man again it think mission illegal. After that I gotta go, don't get my way! I got stuff to do here and escort today

man, it's a simple and that this nation is in good hands with that generation coming up their causes. More of those in there is the bad. Can I got a bunch of Mamma team in a bunch of millennials on Monday, and there are some Are the ones that are incredible are really really incredible and that in itself, it is a good good thing that we ve got this idea that You can't do that. You are not a victim you're, not entitled you can go. Do ever you want to do- and I he just said real, simple rule, simple formula on take, although overcoming get.

And sixteen hours a day. Maybe that's a lot of work and not much sleep even in zero life, zero, but done in six months mega fifty grand thirty five thousand origin that says: nope gonna, just goin double my income in order that the whole life that's worker hall as much adjusting that, but for a short period of time you can do anything. You can hold your breath. That long any thing for a short period of time and you busted and then you're free and two or three things happen. One is you start to realize I can do anything like a superpower, you start to believe it's called hope and manage changes. Everything it likes. You fire, get you in the right direction, danger good, very good Well done Mr Steep, proud man what yeah baby this

is the diver amnesia.

Well there's a North Carolina by South Welcome Ramsay show our better than I deserve. What's up? regular sooner mothers near show this morning it can you got your lady about thoughtfully. That's the money and that can be indexed on short term. To save money. That's yourselves will no doubt be a good idea to do that. One final ended, but pretty attracted my money, money markets, that would be if it was over five years. However, the more you were gonna nail, Ronnie, ok, lower our planet forty five hundred, I guess that's what you pay for you before. You think that yeah I mean

The Essen patients since it began, has, since the start market began stock market as averaged about eleven point. Two percent. Ok, that's avenue, that's an bridge, and that means that some years did last and some years did more ok, but it would have to do nine. You'd have to be ninety percent off of the average to get down to money. Market. Right. Now you re you're gonna. Make me something you do not mind. Not me. Much and if you don't want a time it wrong like, if you would, you know

If you were generated by house right now in the market was down, you could actually be down right right. So, even after five years you could be down. So you just gotta watch. Let them be thinking about it, but you should be fine that y know guy anyway. My father's is with the marketing down. Now you get onto by anywhere in five years should avoid here. Yeah they get it'll help you with that, because I think is one of just a great buying opportunity right now, because this is all that the actual numbers of these companies on a permanent basis are not adjusted down. Some of them have taken some short term losses and revenue, but that the market has engaged in like a lot of people have with their emotions, has engaged in hysteria over this and just gone completely. Bananas show that that's yeah. I think it's a great buying opportunity right now. I dont time the market, a wreck,

and you wait on buying opportunities as by all the time was up on his down, as can bind, keep investing, keep investing, keep investing, keep investing to steady, steady, steady, steady, but this is definitely not the time to settle it. If you're gonna be a market timer. This would be the time to buy for sure right now, particularly these companies that are art officially down based on emotions like airlines and crews lines, because some of law, some bookings and people are gone, bananas with it, but it's a temporary downturn, very temporary, and so the numbers are off way deeper than they should be that than the actual revenue losses are gonna indicate see. The thing is when you're pricing stocks- folks, you actually are- you should use math in other. What were the assets? The company owns? What's the revenue it makes and what's revenue, it's gonna make over a long period of time. You wouldn't,

by, for instance, home depot. Ah, if you didn't think home depot was gonna continue to make more profits over the next five years. That be the only reason you would buy home depot be the only thing it makes sense, but yeah and now, if you want to be a day trader and you're, trying to figure out what home people's down the neighbours can be up to. Morrow seventy eight percent of the day traders lose money, meaning it's stupid to be a day trader mathematically, so definition of stupid by my off. Ok, so that that's what you're doing and you ve got some companies that were being poorly run and they're gonna go broke when their revenue slowdown. Because stupid when it stress tested, reveals stupid urban, poorly runner deeply in that they had no cash position, and if your country was a run in that, if you're running your own company

the deeply and that you got no cash positioning revenue slows down, see all the stuff eleven on the edge is gonna catch up with you, you're stupid, it's gonna, get stress, tested Warren Buffett used to say when the time comes, you can tell me what's going dipping and that that's what's gonna happen here. It reveals What was really going on when things get tough and they don't get tough long before your buddy woke up so there we go open phones AAA eight to five. Five, two to five Ya'Ll jump, endless talk about your life and your money. Michel is whether in New York, I Michel, how are you I am doing ok, Bob Avenue listener and I it's a pleasure to talk to you do to help this is my situation stole my husband passed away just three years ago of March, and I did not expect I received the settlement check from the state

excited me and I want to purchase a new home and buy a car talking about roughly three quarters of a million dollars, but just for myself, money for their children is totally separately in the act and children and they? Each have two hundred appear peace. You kids can and should put to you. To enter k in each of their names for their college in their future, and you ve got three quarters of a million children fitted out. Now I have I have. I have just stop lit a bit about three advocacy. Fifty I'll three hundred fitted out I'll get you a misunderstood. Ok,.

So one right range home were you thinking of buying good question. I wanted to know about two hundred, not more than that in your pay cash, and that leaves you a hundred and fifty and eurobonds for how much you know more than fifty good and so badly one hundred and thirty five to invest? Are you working not at the moment I just

Do it with a degree and want company can live a large? Would you gotta time? Let us not think we're going to notion school when, because that is the master off I'll, be started back in the form of this here and how you paying for that question, I had a plan on taken some money. I decide to go to a private school for that degree, Why do you need to go to a private school for that degree, because I've tried, with city college markedly colleges and taking

We longed for and not much fun around, and I thought what are you living on them? A good question, my husband yard, surviving on his social security. The vibrates benefit so you're, not touching his money. You're eating offer that, yes, that way the battery think it backs the round. The good good model want to mess with theirs nest egg and what you go, the least expensive school that you can as fast as you can get your income going. Did your how much money laughed after you do these things driving bills, which we pay cash for a house for two hundred and you buy a car for fifteen. You don't have a bunch of money left here, It sounds like a lot guys you're not used to have that much, but it'll go away. Really really fast. If you don't stay on the budget with that social security- and you don't kick get yourself in an inexpensive nursing school, that money should be gone, you see what I'm saying.

Yes, I'm following you, you ve been very wise. So far, very proud of you, ve done a good job. You ve taken your time. You ve been very diligent yet lotta people were spent through this and not lived on Social security benefit, and so you didn't you ve done a really really good job. Have you been through financial patient? Yet thank do now. Let me give that to you and what you do go through game so that we can with you and help you on the details how to handle your money on how to manage your money from this point forward, because you ve made good decision so far, very proud of you, but your ear by yourself and on I'm a Christian and my Bible, says, take care of widows. So that's what I'm going to do. All right you hold on and we'll get you signed up Kelly will give you a free membership. To that you go to the class. You got full access to every dollar plus online.

You get full access to the communities they are. You gonna get a lot of people love and you and help in youth as you walk through making all these decisions. You take your time and be very, very, very careful with this. Money has done a good job so far, don't get out of control old on Kelly, a big it will help ya. That puts us our that. I you sure the books are thanks to James Childs, our producer Caledonia, our social pollution phone screener. I'm day, Ramsay, your hosting we'll be back Hey guys, is George Camel hosting the day. Ramsay show video Jim is ours up when you can find more great content on or Youtube catch. The most watch day, brands free screens paint a very popular everyday million voted today. Ramsay show you to channel strong

money, Isn T always when we talk about around here, get life changing advise on your career. For my good friend and clear expert can comment on my pen 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 and you're, just trying to make it to the weekend, 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 gas. Hey, it's producer of the Dave Ramsay Show. This