From what is Ramsay solutions. Broadcasting from the dollar car rental studios is the Ramsay show more debt is dumb. Cash is king in the aid, although mortgage has taken the place of w status symbol of choice, Reggio British Ramses personnel selling off my daughter is Michael of Tibet. The open phones AAA eight to five five, two to five, that's Tripoli, to five five, too. five and big data Rachel is launching a new version

of the Rachel crews, wallet and new cover. An color snuff but right now, but it is, is worried. So, yes, for a limited time, we have a metallic but lush wallet ladys and so in the wall at their ten card slots, debit cards, gift cards, membership card? All of that is in there and then five or for sound an envelope several easing the envelope system it's in there and even you know we talk about the cash, how important it is because of baby steps, four, five and six, it so point even budging for awhile and cash, and always the the only way go about it, and so I never make it. was a place to support receipts. Are you have said you just again, it's kind of like when I think of my my bags, favorite organizer my purses, the bigger the better case, throw everything in, and so even if you dont use cash, this is still a great option. Some it is here the rich,

for his blush, while it for a limited time in that room solutions, dot com forget we have limited quantity, There will be no more now be no more of the bull s eye now. It's so much stay. If you need a gift from ours, I this is a great a great option, but it's it's. Maybe my it's my favorite color for sure real, were made an enviable yes jointly partner with join and organization. There. They make authentic leather goods. This is real leather and they take people off the streets or in terrible situations and employ them. They give them the opportunity to completely change their family trees. So are you by this, while it you're changing your way tree by committing to do something with your money that maybe you ve ever done before, like being honoured using cash, but also you are helping people change their family trees on the outside world completely so join is incredible. Annabelle organisation, and they make it.

A project like its European like really on it. So God you guys it so so great so there's zadig and since I come flush the horizontal puts you right there on the metallic blush. You have the other two colors. We have plenty of the other two collar. He S. Black and cam are the other two original well came out at all. Yes, so they will be there but again limit addition from other stay. The metallic rose called Eight is in Kansas City, the start off this, our Kate. What's up, I think you re much for taking on call my mother in law, issue sixty and I'm trying Alber with our finances, she has thirty five. Thousand retirement age and if she would You start your baby. Steps should be on babies, that kill and she asked a thousand in student longer. future budgets showing I'd like a five hundred hours she can put towards the Gatt which It's gonna take over three years to pay off and then additional six months you get emergency for unemployed, so

She would only be around aged sixty wars to start actually pretty money into retirement ere, she says, answer attire by like sixty six, though because of all that shit. I don't really want put anything pointed out right now, and I just left in return and I know you you ve never changed the order, really such That's what I wish wanter, I want you, I can manage on and I have, but she just doesn't she it that way, and so I am hopeful, you can help me, Gordon in a way that ensures that up to lunch, ledge and then also just your thoughts on how retiring that sixty six out. No, that's all the deal which refining implore situation. This is, one because emotionally, where she sat, though, is she's, forget, because you things have thirty, six thousand hours retirement and that's

and I want a retired sixty six and all my money. I gotta go to maritime amulets. Your knee jerk reaction. We have to realise what she needs to realise is even having twenty thousand dollar stood alone. Tat is risk not other cash in the bank for an emergency fund. Is SK as well, and so getting appointments should clean up. All of that, she is able to clean up the debt, and, of that cash set aside. It's gonna put her in such better place, but the urgent c is gonna have to kick. Can because money flows to ways more money for their money flows out and, like you said, flowing out, she's got about five hundred dollars and the budget. If you done a really tight budget. and then you're out she's got to figure out, do between now and then to bring in some extra income. get the student lump it often faster. What does she mood they tried three thousand month. Dont want our shame, makes ventures.

So she worked forty hours. She not alike this either but change another job. Here, another job and another job like six jobs, because Let me tell you what she has right now. to see This is gonna happen with what you just described. she gets four others death before return on the budget. Talking about I'll, be shocked she not serious about it cause? She doesn't. I me hope can't see the numbers getting there and you know what Five hundred dollars a month is six thousand dollars a year that eighteen thousand dollars in three years, that is, going to make her be able to retire early so fantasy, so she needs from income and so, if she wishes

your father in law, was in a divorce and he passed away and was no longer o twenty and she stole my married are she was remarried again alone she better now after more than a couple years ago and actually be declared vainglory format, wiped out any gotcha. before that the student long student loans are grouped about while visually actually knew alone. George no school in charge. I don't work, twenty thousand dollars to make thirty six, while ok while her problem is that that, in all for any of these things to occur. She's gonna have to increase your income, so she's gonna be working long hours. She actually end up with a hundred to two thousand dollars in earnest egg and be dead free by six. six or sixty seven, but not

forty hours a week, Megan thirty, six thousand. We have she got to add some hours for life, discharge on ocean and won't do it, but on our return after eight Alpo, either show but what the extra job is that makes bunch of money making working another forty hours a week for the next two years, but that'll solve allow these problems. Concrete and resolve Mars month, bad losers are income, sucks, goodness is as easy to double she receptive Kate. Does she listened to you? I mean she was willing to meet with me and saw that was agitated by her silent issue willing to meet with him? I think so. I think he needs to step on mom is my mom. You have to the game. Her body

If she's not listening to you, she needs was somebody. Does it's not it's not a baby steps out of order problem. It's an income problem. That's the math breakdown. Look. I know it's easy to put off taking care of something like life insurance, but now, more than ever, you have a responsibility to your family, get it done terms, Fraid of recently dropped and its act, easier to get coverage. Now with many companies are offering to skip the medical exams. If you don't have life insurance or not enough, you need to step up. Take care of this, let the team at Zander Insurance, help gotta zander dot com or call eight hundred three five, six, forty to eighty two

where's your crews, Ramsay Personality, is my co host today. This is the Ramsay show where we talk about your life, your money in your life. It's a free call, a triple eight, eight to five five, two to five years: Ramsay solutions we want it to form, so many lives that the toxic culture is disrupted. Imagine a world words weird to have a student, lung or people pay cash for their cars Where they know how to operate in their marriage and raise their kids. Imagine a world war, they know how to get the job that they love and higher. The people. did they want on their team and big high quality. A class leaders.

imagine being part of our organization that caused that level of corruption, door, toxic culture, that's the work do here. and that's why we, the thousand folks on our team working together. Create digital products, create services we It shows books Anyway, we can get to you folks and help you if you A joint on that crusade, worker on the hunt for for engineers with exportation ruby on rails. What's a sharp front in technologies. if your, U Ex designer S, Theo content, marking, specialist, we'd, love, after you are hearing about three hundred people this year. I also sales positions, also positions of all kinds: hr positions we got tons of em If you want to find out more about what's happening at Ramsay and Annabelle jobs. Text work that matters to three three: seven, eight nine text work

that matters to thirty three, seven. eighty nine and you can find out about all of the open opportunities that are here. Carter is weathers in Billings Montana, High Carter, welcome to the Rams Asia hello. How are you better than I deserve? What's up? I got a funny coercion, so in triumph to which my wrapped up in our cars, but your paid off and we get very little that maybe all Four thousand camper in an that's about it, then we have a mortgage. You know no second know nothin, namely on some real state on the side. Free unclear, just for our land. can a silly haven't much money wrapped up in cars? Do you have in cars Albright between like a sample Bobby. Ninety five they'll come away. If you fight about large in cash or your household income to London,.

now is not completely alone, it does I can understand how I feel about the room Finally years is that you shouldn't on things with car with with motors and wheels or wheels or motors that hold up equals more than half your annual camper camper. Put you over. Yes, it does I answer, and it ended as there is something I would sound between ourselves. The camper. Ok, link Carter has not you know like that. I'm just like! Let's take two years from now on, the cars depreciate didn't drops floor, that everyone can, I'm just I felt gonna silly that we paid cash without stopping. You know we could equality. What also towards Bilbao and about it, if I don't pay cash for it right should! I feel sure that I will forward us real silly for buying maybe I mean you're right up at the top rated by. You got a lot tied up and things going in the wrong direction.

you got a great income and who can offset that? But you do need. It sounds like you been sloppy and you need to tighten up your decision. Making rights tighten up your plan right, correct. Tal it is. I mean you, don't have anything as devastating you're, not going bankrupt you're. Not way over in the stupid zone, where I gotta go, why you now? But it's not that, but it just its close. You know, that's why? Yes, why you're feeling the page I mean The bottom line is when you got more than half your annual income tied up and things that are going down in value, it's hard to become wealthy sure since a simple principle when that's what happened to show. How have you made Several years decade later, one of the cars Sir. One tonne lamb two thousand and nineteen toiler. I wonder do those in sixty now. Ok,.

Now it's inquiry on the cars are the problem. At this point I mean, like you, said there break their paid for all of it, and so I get how it feels kind of in your debate again for a pretty damn darn students are uneasy this year, no knock at our market camper out of you hold on this box, but and then draw a line in the sand and go we're not gonna, be back up here again right. What happened was that I can tell you which car was purchased last obviously based on the year, but our based on this, the how the stories goin down you about this big but expensive truck over, top killer, massively wonderful truck You just completely boy imposed on it and your feelin regret well, Yet all the lie in my old track was twenty two years old and has been paid out forever so yeah. You could say that now answer. You couldn't you irritation. You had bought a truck about between the two correct. and not over the top that you get that taste of regret on the back of your tongue,

it's all meares and I have had to take such an order. Tastes like so on. I get it understand. So just the thing is do a little odd, actually on the whole situation NGO? Ok, what do I never wanted to again as a result of the story not much Manuel, what did I do wrong that I wished? I haven't done. Ok, And arm show you know that that's what I asked myself when I do. I've done a lot of stupid stuff Margolis, do not do the same. Stupid thing I figure out what it is and just put that ok, that one behind me do that when again glory done Now- and there will be another one, but I have to do that and if you or if you have a big enough pile of stupid things that you never do again. People call you wise. You know how to navigate best for your work through this. Its coastline was stupid, looks like in lots of but the problem is: when you do the same thing over and over and over again right and just keep going,

to the same downplaying and then that's the definition of insanity the same thing over our unexpected every adult. I think the emotion of this is much more important than the actual math yeah man. If you tie antibody path, the camp relevant, you're, gonna, look up in twelve months Carter and price a completely different set of emotions right now, then that will feeling your phone line and truthfully, if you say, ok, these two So the decision were the bad part. I will never do those two things again. It's here to put all of this behind you move on and just leave the trucks from the cars inflation get get get on with it. Don't write. Just don't do that again. In that kind of thing you cause you eat didn't go over? Well, you did with the camp, you did. You did go over, but So you but there's another hear this. requiring it to all be undone good.

could sell the camera, though still good Walter's, where this in Vermont hey Walter. What's up, thank you. Much for taking my call, my wife and I have an opportunity we financed mortgage mortgage company has because the interest rates have gone down significantly Hence we are. My joy got the mortgage just a couple years ago, when we ve got to the actual, given us what you're doing right and left? Conway is three point: three seven: five: what are they offering rapid down to two points? two eight seven: five, it's not a huge drop. It would save us thirty, dollars per month. The Ngos gate not take again torture. On balance, loan, Two hundred and fifty four thousand euros, save a half a percent a year, on a hundred and fifty four thousand your safe seventeen fifty dollars a year watch the cat. Cash.

no causing cars because they're gonna they're gonna bring out upon it at all out of pocket at all. The only thing they do, though, because but never J alone. I am going on there, talking on nine dollars onto the lawn amount for insurance. Adjusting out of pocket per year now know well, it would take to hand in Turkey for out another dollar knew it Are you adding nine hundred dollars per year now, one time no joke by then it takes a little over a year to break even cause. You're saving seven are infected out some fifty dollars a year on four percent savings and actual over here to break even if you're gonna stay in the house for four years, it's gonna make a little bit a sense. This is not a life changing thing

seven hundred fifty dollars a year at Poland, our screwing with read your garage personality is my coach today, as we enter your questions about your life in your money, open phones, triple eight eight to five. Five two to five Suzanne is whether Utica New Yorkers Suzanne. How are you I'm ok

my problem, but I thought you stocks, on my adviser has told me that they would be taxed, They come in. One idea, my income tax on line, which I didn't push the button yet the Sandra arm. I it showing now? I owe the schedule over a thousand and the state over about me, I just wondered what what did I do? the cyclist, he listened to maybe some good advice. Maybe your movies online software shocks. Ok, possible, you may be getting a wrong result from the on software. What do you use and her about acts? What was the irish odd. Yeah, that's bad are so what did you say or how much did you shall? I saw the boy

thirty five thousand dollars worth logo. That, indeed, do you know what your basis was in that. Does that mean how much I paid? How much are made for that stock? That show for thirty five that yet, agency they hold? My stodgy doesn't have any information, they don't know by what happened. Well, what's the matter, The stock was purchased true and employer, and I can't remember if they fight purchased to pay Ronald and they match some. I think that's the way it went on and then, when I met this adviser on we put the stocks and to a company that she was advising

to do- and you put the moment you did- you sell the stocks, they all stocks, that certificates I gotcha Kitticut, and then you move this. How did you move certificates into something else? I don't remember it's ok, I mean I've got all the paperwork. I dont know how did you? Why did I vote in this attack software? The calculated that showed a thousand you'd have to have your basis to do the calculation note as much I sold now your shoulder for thirty, five thousand. What you Driver and under the division that everything in what you paid for it and what you shoulda forage your gain and that's what you're taxed on? Ok, so they kept me on the thirty five thousand, because I didn't have a cost basis. Yeah actually see that's not right you do have a cost basis of some kind and they should not be ok. You're tax would be more than a thousand dollars on thirty five thousand I'll catch you ever mass

So again, I can't untangle the sparrow officials on the radio, but what I'm gonna do this already? I have some homework. Sixty seven sixty, seven, ok I can assure you yes, went odour of what I might out. Ok, we'll take care of you. We take our widows so I'm gonna pay for out one of our people that we recommend for tax advice, attacks professional in the New York area to take care of you free. here, because the irish software sucks and you have a messed up- lack of information and you're getting ready to get yourself into a mass that you don't need to get into your improbable, our lot of taxes, but you ve got to to have some help scratching through and getting your proper information together to prove that and will you do that I'll, get you with one of our taxi lp or the tax professionals that we recommend they will take. of you as a gift from us Kelly will take,

of that. I must put on hold she's gonna pick up and do that Rachel. Usually, when you sell stock the, if you had a broker Do you know that you bought it through that company the record of what you paid for your basis the difference in what you pay for what you sell it for its taxable. If it's been held my longer than a year, its taxable fifteen percent, unless you make over four thousand dollars so in our case should be taxed at fifteen percent on the gain answer she, if she, if their showing her gain, is thirty. Five thousand thousand dollars in taxes is not rise, beloved Morn that right right about. Shall we gotta get the actual basis figured out and you have to go back to the former employer or you may have to file some kind of estimated out. It's just going to say: how do you even know others of their arrest has as a process following an estimated basis when

The best way based on logic, you can't just make it up. I'm very frank after trot, make a series of assumptions and knelt down attacks advisor walk you through that and somebody who should have the basis somewhere on that and in Portugal certain are dealing with the Irish, not Gov. Oh my goodness, I will tell you this there there's if you ever since return. Online is fine and we have a real protocol. Smart tax, the seventeen dollars and if you do not just during your term forty Yazzi and you While online is release you to run it on more tax and you get that at branches solutions to our common store or if you will the gate and return or situation where you need some help like that, you and unprofessional nor corner. We have the EU peace in a chair. That we recommend that our tax professionals that tax preparing it costs more than seventeen dollars but you're gonna save a lot more, but the June you know you ve got a small business. You gotta transaction like that or something

go on, and you get all of that at Ramses solutions. Yeah any tenders, those complicated or more timid, moving parts of money it's over to bring pressure on whether its real estate taxes investing me anything that just feels like that overwhelming so little complicated, you may not be able, if you can explain it to some one else: the museum, you need to learn and Unita to grow in knowledge and part of that sitting down with a professional and letting them help you in these people. I can't believe it breathe in an misinformation data that they love it over there. exponentials. This is what they do and they see every every about. Every situation they ve had prices ends, circles as before in their office, you know what to do and you in a brain As you know it, you said it's gonna save Sir some money Jonathan enrolling North Carolina Jonathan. What's up Macao better than good. How can we help was going

better than others wandering along lost here. How can I developing a product, the English to specific- and I was wondering if you give you some advice or when tax, that power There are a number of years, but only the sale or like a dollar amount of warfare MA am too, I guess market are taken. The market should be Mascalucia relations, doled out. If you can in a prototype, the patent space is, full of a bunch of shy stirs and so don't need to pay some body big dollars, I mean there's things over people by term forty thousand dollars to get patent attorney in all this, and you do not need to do that. Man understanding is not that logic lines that have done this patent, a prototype for, usually goes around ten grand, but you ve got a work your way through the process, and you have to have the present a problem hard product

I also have a boy and he also had a bunch of trademarks, patents and introduce me to his patent attorney. She knew that search to on the farm and came back. There is no father like this. What did she tell her out that's good. What would she charged run the patent? Five hundred tell you about all the draftsmen, that's it a glance unreasonable deal, oh Mamma, ten grand out of pocket, but I've heard So there's all these things on the internet, where they'll they'll help you market the product to help you get the pad knowledge to Heaven and they don't do what is it Ivan? I'm just curious. The lack of a return to power just did that helps us cartoons, I'm alone by trade, helps escaped or come at last spend the money with hard to do. It may be that some

How do we ve got bunches in bunches of trademarks, autonomy paths, but we trademark everything around crazy. So I spent a lot of money on that. A lot of knowledge on probably right, generate marking does as the publishing world and these, although these images and things that we own here, our part of that and the Orioles, my God but the yeah. So I think if you can keep it down under ten thousand dollars and you have the courage to do it and get it patented, you can do it with a prototype. That's all you gotta do, and I would do that sooner rather than later

I structure that I James one, seventeen every good and perfect gift is from above coming down from the father, the heavenly lights it does change like shifting shadows William James, as most people never run far enough on their first when to find out if they ve got a second that honours weathers in Phoenix? I honour, what's up Why are you then I deserve. How can we help? hurry, Listening to you in July, hours, thirty thousand dollars each day. Might One day he was around a hundred and twenty two hundred and thirty two, the IRA thousand dollars and so on

the point where they are now I'm at nineteen. We in February by he moved down to lament the girl to try to figure out how you'd better creation of oh boy, yeah data you can help amounts are our most of it is early inches and This y know alike, are really doing like the rising. I may know make her out of her or thirty five to forty thousand a year. What does he may you? you'll do. Eighty thousand could be worse than the oil filled by went down so now he was not entirely just didn't pay taxes, oh, my God, has he quit doing that all he now? He found a job where they take out tax through aha, he turned to find his back and what does he may going out the new job? No, you each one of wine or making forty the baby forgotten

Cotton have but, though I feel dried up or what China. There ok. down there, how much did he pay for this? Oh, I see smoking as a friend on bad. She euphoric for the EU, as was you kind of guiding and of what she recommend for him to do, It is awaiting a response. Given the star like yours, very easy. Saving money is involved are female. a lean on his New Mexico state. An appeal that offers The irony is that as well. I'm not gonna. Give you much hope on the hour on the alas, she ok in a compromise is what that stands for, and that is when the Irish observes that you have no assets and no income show there never getting their money. You basically have to prove that you are come. Lee broken don't have an income and that the case here. He has an income.

and so I don't. A lot of hope that they're gonna, just forgive this our large trunks of it- and and if they do not want a lump sum. And so, if they stood and ninety five thousand, Twenty thousand? If they come in and say also twenty thousand? Their governments are twenty thousand right there. You know me money. won't you gotta want. Now you may have about one hundred and forty thousand dollars. they settle. If I didn't offer in compromise and settled for one thousand dollars that groundwater twenty thousand dollars right. Then it's not a payment plan Shall I am I don't wanna be Debbie down are here, but the truth is very few a why she's get through. I'm probably watched a hundred of them. Try and I might have seen ten go through over the years it just they the burden, they put on you to prove that you have no money,

Also means that you have no money to settle with them when they do finally take it. So it's it's a two edged sword in a sense you coming and going shall Iris dad moves to them. of everything. I, think what I, if I were him, phenomena, work the Alaska through, but I'm not going over two years, while it continues to double and triple worthy With these penalties gone up in a generous rage. Goin up you follow me so I mean give this thing nine hundred toy days. Maybe six months and, in the meantime, be working order, crazy person and pile up cash. all pilot casually Morgan hundred hours a week, and I want a big old The cash like forty, fifty thousand bucks piled up

that's yeah! You didn't Sanrio enthusiastic that your only shot ghetto yeah. I know a little about bringing the living out there. You moved out there, but he could figure out how to change. So I think my situation and I don't know why you can figure out something in New Mexico. You can't figure out Arizona I know why you're gonna get video now funny way where you don't have to go to college of data or mountain in you China give female figure down here, but I am only tell you what I am hearing our you, I'm twenty nine. I'm obey your uncle Dave Fermented. Don't you dare Theiodamas, listen to your married, this is another problem this young. which the south african problem I told them I am I gonna get married. You don't want to get married yet because of this, the trade shower bath.

so I like it better for me to have my situation. I would have your mind up and you can be as biggest cheered later, but he needs to go. He needs to see these roll up. Our sleeves go, make a whole bunch of money. Do nothing but war like a crazy man, have a bigger Paula money. When this blows up in the OECD go through, he can get started on it because of it, fifty grand that Iraq Quick, because two hundred hours a week. And he's got a good start on. It is the only way it's gone away, because the Irish just does not go away. It's just up. They're, not banker, optimal, I'm just gonna, be there in a stronger gaining but worse so the sooner he in reverse The trend on them? the better off he's gonna be, and I just hear you caring about this and being more logical about it than he sighed always can. Can it concerns me sometimes when on a year calling and he's not so the situation on its today, you are able to pick up the phone call, but I want him to be a man

involved than you are in his mass if that makes sense, but it's exactly right, timely nice, for you, you're you're, really good. I feel for you obeyed but be aware, like you need, you're you're, set up here for a problem gotta be careful Joe. because in LAS Vegas Jessica, welcome to the refugee issue. How are you I do Finally, I want to call as soon as we get off work there are we paid off are they are seven thousand dollars. You see my conduct the light you guys, I'm so happy Betcher way in. Although MR offers- in all shoulder our revamp. What everyone finds out sure is we are now on three officially and You know it shaving three to six months, I was wondering if you do, we still have

you know, go good gazelle density, or can we now all sort of ok, some real actor we're going to ask: how can we just relax? It's as our on babies up their evidence? Hunch just know that gazelle intensity continues until babies up there is done in the same intensity. You guys used to pay off. All I think you said three months just go, which is incredible, so congratulations that intensity until that baby set three has paid off. I pay saved The problem Jessica, the you when you don't have. I've noticed this model laugh when I'm broke is like attract emergencies. Like emergencies. Just come find me and when I'm not broke, they stay away, they go to other people's house and so having the emergency fund is like urgency repellent it keeps

mosquitoes away a keeps their emergencies from coming and if they do come in, you got the money for it. It is vital Orton that you become debt for other than the house. with great intensity and the jury the emergency fund with great intensity but you're going to a very fast because compared to where you were five. Should go twenty seven thousand origin, that no money. Once you have twelve thousand dollars in your emergency fund and know tat, your life is completely changed and you I've done it regulations? It's amazing, but you do need to continue living in Slovakia. Very intense, and I congratulate you for that and it won't take that much more.

a little bit more, maybe think about twenty seven that fast, I'm asking you to twelve. That's all it is, and so then it's behind you forever and you ve got Murphy Repellent in your pocket. Rachel get richer began and Cadmium James Childs, our producer carried out our social producer and phones. Rayner I'm day, Ramsay we'll be back with you before you know it in the meantime, remember, there's ultimately only one way to financial fees and that's the warp daily with the prince of peace crises. They guises this gene senior producer for the real issue. Is you know over eighteen million people listen to the recently showed every week in a lot of those people? Listen I'm one of our six hundred plus radio station to find his station near you had to the reins. He showed TAT money isn't the only thing we talk about around here. Get life. Changing advice on your career from my good friend and clear experts can combine all my can 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, akin com and 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 we'll help create a plan to make your dream job a reality. You matter and you have what it takes, join the conversation on the can com and show hear more from the Ramsay network, including the current common shop. Where ever you listened about gas, hey, it's Jane,

producer of the Rams issue, this epoch,