From the headquarters of Ramsay solutions. Broadcasting, the dollar car rental studios such that Dave Ramses, we're dead, is dumb. Gazers gang and paid off home mortgage has taken the place of the Bmw status, symbol of choice and they Ramsay your host. Thank you for joining us open foes AAA eight to five. Five, two to five: that's AAA eight to five five to two Michael closed on. The show today is can common rims personality. We're here talk about your life- your money, your career, in any way, we can

interpolate, eight to five five, two to five Nicholas's in Florida, I Nicholas. How can we help I gave so my wife and I were almost at the end of babies- that too we had a little over a grand laughed and about three weeks ago or cod. From a friend and he was like an awful lot of payments on it, the engine blue, I fear we are murdered. Finally, even a little bit more to how can we are without work for a week? We try to look for other solution, but we felt so stock and none either the thing out finer for ten thousand dollar car- and I was just going there- are fewer like- is just what I had to do, which already felt bad enough in as I was sitting in a final. Managers office. I just remember why the closer you say off somewhere borrowers later the lender and I use combat.

So now I use so crush. I feel like I have a big sinuses area. On my head- and I don't want to do oh, my doom trot turned the lights off on the site, so obvious see. Let me get this straight you did something stupid, That means you are stupid enough now, a dozen because if you, if you didn't realize you did something stupid, I needed something stupid then you're probably stay put the minutes were mediator to made to me too. You know so What do you do can when you fall off the wagon? Well, dust yourself, love and were gone, but reflect first like animals. Up in their life's, what's let's, let's look at. Why did I fall off? What drove me to that end? It was fear.

You know I think we got understand. We have to learn from these. Which is not enough just to say all right, I'm not stupid, and I can get back out of a cause you can, but I want you to examine why you made that decision. What drove you to making a nonsensical decision? It's not even stupid! You just you weren't in you weren't, in a place of clarity, while you're doing it. You know it all. So what in your head that allows you to do that, because if you don't fix that part, two kids point you'll do it again That's that's that's what we want to reflect on. So what drove you? What would your driver We need a car for our work and we just fella and how we wanted to get another two car like our one for by we just had its even like. We would go on same thing where it would also again just begun under the cycle we were play, replied as other right now to pay this one up within a year, but

I knew that even the guy. I just felt like no something better, but better off and I'm not gonna pick this apart, but I just wanted to speak to the fear, because you are afraid of is gonna happen again, it's like being afraid of getting it struck by lightning twice in it. The odds of that are very, very, very, very, very slim. Did you get the first car from your buddy. Did you have a mechanic look at over before it agreed to by it? We do we had mechanic. We had friends are familiar with. Cars can be said that it was ok what's the name of two thousand, and here so seen some days. By over. All the people who are looking at it said it was arrive, melodrama locks fell, short was villages, I'm so here's the deal so bad thing happen. Life happens. Ok, you did it, you did what you do Do there you weren't reckless, it seems in so something still happen in. Oh, it was bad and that happened in so now what you did

you compounded a bad situation by going to get in ten thousand dollar loan for car, and there was another way I'll bet. There were two or three other ways and that's what I want you to reflect on is that even in those moments where we feel it there's no other way powers. There is another way sleep on it. Get about five opinions it just needed, some, back in needed to pause there? That's what the lesson is: rent a car bomb thousand dollar car the thing without our cars is to throw away the disposable ten thousand workers. Aren't and down and show what your ears challenge and here's what you gotta figure out. Ok is what is going to take long term to where you want to go Maybe I don't mean transportation wise. I mean in terms of the decision making and principles that you're using with money. What's gonna You were you wanna, go when sharing and I went broke, we determined we became thorough believers.

Years ago. The borrowing money was not gonna. Take us where we want to go, and so every time we were painted into a corner every tower. Into a corner, someone pointer metaphorical gun at our face. And said. Ok, the only way out of this is borrow your way out of this is get a tenth of our car. Every time we said we can borrow money. We changed our belief about What is going to cause us to win and borrowing money was no longer on that list we never again, because we no longer believe that we never again have borrowed money, and so the problem is that your belief was test and you didn't believe that the best way and you thought it and I'm in your ear, your ear in all your four year old kid illusions out of all of us and we are always Jimmy driving a car. I united rub junk car DR like no one else, a letter you can drive like no one else, you know DR now Amy thing I want. You know why, because I d

Crap for a long time bondo as the primary color. Yes, you know and shrugged like no one else now can drive like no one else, and so you got it. You gotta believe that that's actually going to occur and then you can go back into a piece of crap when you're other beach. Grat breaks, that's what's happening. Temporary, yes, When you talk about you, ensure and saying we are not going to choose debt as it were in a core ever so here's what happens. When you focus on never ever ever ever again having debt guess what happens you get certain options are removed. Other options appear. So this is a focus think so he in again we're not gonna, get all revolve. Crap, oh yeah, as usual. Listen well over a year and a half first, four years of our marriage nation is worse. I drove a year and a half for tourists who didn't have ac and what it was for thirty years now. It was here in an absolutely right, I'm old a year and a half a mile

Well, you know the situation here is he began to say well, That's an option on a war to be adopted, but it's an option on ought to be an option, feel bad about it, but as an option, and then it became yeah option it wasn't the option of your emotions, tat. Over, instead of your belief, fogey silent when at what I think. In addition, it should re evaluate You really believe. Cause you too well and what is it the stuff we, If it is then this, We want handling and by the way, if that's the case, all the car get rid of it now undo the prob every time you get in that thing, you're gonna feel like you screwed up Are you screwed up this

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This is that Abraham Tree show can common refugee personality? Is my co host the shower the phone numbers AAA eight to five? Five? Two to five crisis issues left law, people feeling scared about their money, and that's where financial patient university coordinators can help, Matters are everyday folks, like you who walk people through our proven plan, financial patient diversity, which is a part of the room she plus offering Ramsay Blush membership. You can now get the membership a free trial. If you want to be a coordinator for Natural patient diversity, just fertile leading that we're gonna, give your ram she blushed membership for free whole year. How we're

and that includes every dollar. Think that includes all of our classes and includes all the community's. It includes the new budget tracking out baby step. Cracking up, and you did. This is a mammoth premium offering is completely free if you wanna be a coordinator for financial issue. Firstly, your one year membership to ram she blushed ass, a particular way to get it by the way so to get started text. The word Lee F P, you two thirty three, seven, eighty nine led F p, you two three three seven eight nine and get Ramsey Blush membership for year, free for being in a few coordinator, that's known as a good deal can Rectangular deal ain't going to make a real difference. Coordinating also keep you on track,

law that allow the debt free, screams debtors where we went through the glass and then we ve Courtney, two glasses, because, as we coordinated it made us stay on our track, we paid we paid off our debt, the first time a station. I led a class down Lynn Set was huge for us accountability and momentum Kalen isn't Iowa, I Caitlin. How are you well They even ten great, can talk to you today you to watch what look here. Well, first of all, if I get my question, I have an exciting and down then as at seven, a m this morning, things to you, my been, and I are that we owe congratulations. Proud of our very excited bingo with this one, the light you know, thank you, Sir, and then my question for you today is totally unrelated in that and we

we're doing some research on the internet the other day and we stumbled upon some lilies. Gary information regarding home title fraud, which is actually something I've, never heard before so I don't know if I've just been living under allow her. Why? What I've actually never heard batch fellow my question you day, what's the best way to protect ourselves from home title Fred It is a fairly new thing, because home titles used to done very analogue basis and a lot of title work and access to titles and even changing of time. On homes is not done digitally with a lot more sophisticated county court houses So it's it's. A fairly new hack by the hackers you get in an end quote and quota. To steal a home, it's not very effective on their part

They can just mess up your life. It's like identity theft. Ok, it's not! That effect In terms of doesn't cause you to actually have to pay it and you're, not gonna shall I lose your home because you sharply but you might have some expense to go before a judge and prove that this wasn't you and you don't get the title back into your name and all that kind of stuff. You know a judiciary, correction of some kind, the best a guard against that. It's a very low probability, identity, theft itself as a much higher probability but its income, did in the gender identity theft package, to cover home idle fraud or social security fraud or medical record fraud; well as traditional, so to speak, identity theft, the started this whole thing so I would just recommend if you're concerned about getting the Zander Identity theft protection. I've got there. All of our team has it here, but we heard about the first time through gender, they

updating me on the new things that the idea that package was covering, and I went what in the world really an Swat Doug you had to learn our work and what they were doing, but it's so fairly soon fraud, but also its Conceptually simple to undo, but like identity theft, it takes a lot, time dealing with bureaucrats, and sometimes people smart knowledge to have to thing corrected and go. That was me and no, you can't just take them while Saddam Humane- and you know this kind of stuff. So it's Gunnar ridiculous, be, I would just gives Anders identity package if we had no ready and you get covered by that and show them that. That's that's what you run into identity theft is taking up a lot of people's space in their the things. We worry about in that way we spend time on yeah yeah it's interesting way. She said that united not hurt that either and

and she said I started what's going on in, like we ve seen a new monster influence or we don't know anything, and- and so you know what you did. There is suspicion. Basic information calls the inner insurance. You talk to a viable insurance company about it dig into it. The more we we find out about bad things: you know any we go. Oh no. This could happen. This could happen. This can happen and you gotta be smart, but at the same time don't Do the research and glad she called in to get to the bottom of it? Or else it'll just occupy occupy your mind and it becomes way, your thing that actually well, if it actually occurs, it takes up a lot of space. Yeah we'll take a walk, rubble and Australia. Mickey, is with us and Nicky is in Wisconsin. I making our you think. I think calmly, through thinking my call trip. What's up, long story short: I am my brother's power of attorney.

He is in prison for the next seven years and he won't yes, three grand in the bank- and he wants me to take the three grand and by him coins and That's a good investment! I don't want to touch it. I wanna be that there will be report, I see or something more safe. Was wondering what you thought. I agree with you: the and ashes his power of attorney you to act on his best interests, not necessarily his wishes there, that's the legal part of it. And so you are in our two. If you put to the test for misbehaving with the power of attorney. The test will not be. Did you abide by his wishes? The test would be. Did you acting his best interest.

Yeah and some morally, you can run the same test and say you know, what's the right thing to do for my brother, and so you don't have a discussion with him, to do it is this. The only money made in investing in coins is by people who are absolutely sure, Firstly, deep into that world and love coin collecting and become experts on it. The casual coin investor, the casual classic. Car investor, the casual art investor, The casual investor in gemstones does not make money. Those are all what we call collectibles in them, world and other or collectors meaning you would have to know something about them in order to make beyond measure? I'm trying answer will go out in the yard

and coins are not. Something is a category I would invest in now again, if you're, in Classic Cars, and you want to a classic car, and you love, it is it's a toy, but right and you probably can actually make money on it, the same things, true with guns or art, or why, ever collectible thing you want to put out there, but you gotta be scrapped. A hobby on steroids, you don't say Now he is asian in for seven years. He doesn't need a coin collection often accessory, it's definitely immune telemachus. Everyone yeah, why not guy, hey Day, said no coins for you no corner for anybody. I got a few people, give me a few but Nigel Sweet, but I don't know invest in those collectible item. I have a feeling:

collect them a collector. But it's not an investment differences. This is that Dave, Ramsey a question that I got from blinds dog can find out for yourself. Why blinds dot com is the number one online retailer of custom window covering should give free shambles free shipping?

it promotes they run every month, you'll save even more years, promo Code Ramsay to get the best deal today, question Dave is from Melissa in nor Florida. She visited day range that common ass. I'm currently, The council and I also started a private practice on the side. I have seven two thousand dollars in federal student loans, and my salary is about forty nine thousand at my school job, I have recently become so busy with my private practice that I need the decision to leave or stay at the school job. I could either have my students forgiven and nine more years working at the school, or I can take the leap in due form private practice. I have almost double the amount of clients that I mean. How do I may this choice? Oh, I love questions possesses. This is about just breaking down a goner right. I move over to the full time. Private practice it's my income. Gonna beat what do I project and we do modest projections, because we don't want oversell what what it could

like and so with a modest projection run the numbers out, and it's really a side by side decision is a vice at the school for nine more years. How much money. Can I make a nine years in the private practice with fulfilled finally got her dream job, so I'm the evidence we have here in the email I think she moves as soon as she's ready she can support herself. She moved to the full time private practice and it pays off alone. Much quicker than nine years at the private practice is paying as much as you are the school you go now right. What or near now, because long term the way your emails worded is very clear that that's what you wanted to the only thing holding used the golden handcuff stood alone. Forgiveness, animate, waiting, freaking nine years to get us to London. Now you go and knock it out now and you take on enough extra costs raise your prices enough to get that thirty. Seven thou

five hundred dollars extra income in for two years, and the student loans are covered, you done and you just, but you ve got So much more upside and so much more freedom and so much more control of your destiny. Doing your private practice walk away as soon as you can besides. That is also what you wanted to do its part of the equation and you all is made more money. Doing that almost George isn't North Carolina George welcomed that over him she show our candy. Thank you. So much herb Jonah Programme have great. How can we help? I have a pretty straightforward question and I wanted to get some insight, big picture, wise, my wife and I we about

you're go. We got to baby steps for five and six, though knocked out baby steps to three about estate minds and then the remaining months for about three or four we put out thirty thousand towards the house both for five set up and if we continue to do that, we're looking at three years at eight months or our mortgage to be paid off and that are that kind of pine round now worsted in talking together about joint, you think to other option, should stretching out low birth are enjoying more about for years and or month. That'll give us some time now give us law extra my travel and have some fun, or I can pick up twenty hours exe,

do about time job. I really joy and I could not this up beyond twenty three months, no problem one year eleven months, and I just want to know what you guys would we consider it away stressed on a family different in different pros and cons for those plants holding of thirty five and how to get nine years old. Ok, there's not a bad. I answer it, just whatever you guys want to do stave Dave, George. What would the second job if you take that knock the soft option? Three and a year seven months of eggs. What you said how's that- to change your family schedule. What does the sacrifices? What do you have to give up our actual saturdays and I'll give up to about twenty hours a week? I actually have an interview

or no Armand Interview do be from Saturday Outbreak PM, I'm an intense guy. I would give it I would go for it. You know Jimmy the junk hours Judy hours. No one wants I'll show up with violent base, be happy that I'm workin and that's it that's the guy. I get acted as there are you. I think the kid would understand in my think we'd be able to do more if they got older, there be more capable eleven years old and not my take is on it. Is it if your hearts gonna be ok, miss in some other saturdays and some of the things you gonna miss if your heart can withstand this is a short term deal and your wife and kids are on board. I'd take option three. I knock it out fast cause you're your head in the right places. Gonna make your future so much better. So much quicker the right decision that that's not a bad decision is Walser buys onboard right. Ok, showed the way. I quite dishes, you gotta short term, run here this

not unlike a military family, doing a deployment live chat. To serve their country. And then she dad he's gonna be sandbox for eleven March and your accept your actually gonna be home. You're not gonna, be physically go on your door. When you are home, you going to be a wee bit tired right now, but you know that kind of stuff for one year, basically is what you're saying or when you're eleven months twenty three months and like you said, so in a way that down, unless look at it and go ok and then put some room wards are, but one reward in the middle and another reward at the end, and that could be trips? It could be a problem the back yard. I don't care what it is put did, but you're not gonna Disney. Whatever is the thing the kids wanna. Do I debt free scream yesterday with teenage kids and the teenage kids got behind it

and their mantra? Was they want the kids? They should? What do you want to kill or Geoffrey? And these kids said we wanted to LOS Angeles who were the stars, homesteader Disneyland stuff, so their tour was we're doin it for ally, we're doing it for ally, and they went thirty months that particular family did. And everybody was issues. What we're doing for outlay and The whole family was humble, not just dad work and extra and so they were, they were step two, which requires a different level of intensity. This doesn't require intensity at this level. So if you do for four years and eight months and your hundred percent debt energy row strain on the family version, nothing wrong with that fits in our guidelines perfectly if that future of goals and Monterrey and Valley can, and I are both a wee bit wired up and we would do the twenty three, but that personality style thing villainous Elgin we married and have kids

As a result that fit in with that I mean I'm maybe not happen- forty days and a book to you now and Mama. Were at home and nine years old and living in but we got home. We took a moderate and I was part of it whether we can also threaten them with her behaviour during the time I'm gone with that trip. But that is true. We know one of things it that George can do here is he's gonna have, extra twenty hours at spread over the weekend a lot of Saturday's. We know what make the Sunday special do some little things that are little at different. You talked about a reward, as rewarding the family in the middle and the, and do some different. Eggs virgin and see you less when they see you do some different things with their kid I'll make sure the screens or off yeah. You know I only know, glowing screech, but either way regulations, because you can you get a phantom, The path lined up here and you're gonna live like no one else in your kids, going to see that nothing. When I see

every screens with kids that limit older. They get this like the story to start right yesterday. That really fires me up, because I think that the parents are it's getting debt free increase financial peace? Yes, they are there, also modeling real who character and and success in this kid see that they see the sacrifice. They see the law. Term commitment they they learn, how to see a vision and see the vision come to fruition. That's about his vitals anything! You can teach your kids, I think as parents is to let them see you sacrificed for something that you cared, about a crucial measures. More money, more gives more caught, and on this,

is that a room

one of my most. I want to say this satisfying, but that's not strong enough. What things I hate the most is paying some one to do something and they look at it. I'm with you. Revenge me. I'm such a pain in the but for excellence demanded of myself, but I also demanded for people around me comes to like buying a house or selling a house. The real state agent that you use. If you have a badge, waste there and they suck at it. It sure largest asset for most people and you're generator train wreck and they

hop line, agents that are not just some job who got his license. That includes on ones in your family and then are you and we friends who guilt trip you into using them. As a real estate agent dome all that they're gonna say it isn't going to mess up the deal, get the top top shelf people the paved the high octane the high protein. Their hard to find and we vat and endorse world class agents who follow the principles we teach and they become de L. Peas. Never again, should you settle for a crappy agent. Yet the right help and end up in the home that you hope for and end up getting your home so fast. Not Ramsay DOT, com, slife agents and you can find a buyers agent to help your sellers agent help you in the roasting world that is of the top drawer, the top shelf. But

is weathers. Beth is in Pennsylvania, high birth. How are you hurt? You Dave then I deserve. What's up, my husband has been discussed job for forty seven years and retired model about twenty one years ago, letter in the mail Saturday stating that his position was terminated and they they. They ve been fired him in the mayo after forty seven years well due to the covered, and he understands that everybody got thing letter so Why should I closing opener were closing the company? Well, I'm not sure it's a pretty big company and a lot of my glasses, like this one its bird but thirty one. So everybody notifying letter, but a lot of people to know I go believe everybody did. But a lot of people do ok, yeah, while he's

he's gonna, be seventy on Thursday land be burthen? I asked you yeah right, we were back up the birthday sarcastic ok, so what the? What was he doing for a living kind of like drove a track that delivered part that lake for mines and different facilities? Who would pick up the peace that was broken? Take it back and lay repair and then for he was driving a truck undoing delivery basic basically year and did you want to do that they often accompany? Does he want to do that? More, I don't think he's quite ready to retire How much do you make a word about? Sixty thousand here she's got a studio while he did

but they have better downsizing in and going a little bit smaller, so they he doesn't mean you see the o now through doesn't have it, but he also as long disability through vs. So I was to be sure whether he really needed at our accrued could do they see the whole thing I just found out this morning. He does not. Much indeed for a one k, and that was my next question was: what do what do we do with this? For a one case, very little, and when we got debt and I'm panicked, I dont know what to do. How much did you have about two thirty, four on the house and then Glister for payments on a truck. Now we have a stupid dummy payment on a mother,

nickel in that payments, like eight sixty a month, it eight hundred and sixty dollars here in an online. What on the toilet, afore runner, there's four five arm. Cars. Turning him too damned regardless of the situation, are going quick sidebar on that. Get that child that's insane. I think it is turn. Can I like just get rid of it and still taken and nurtured and doesn't allow absolute orbit you haven't whatever it is. You have to stop the madness and he is he's drawing. A sturdy income among disability were raising his great grandson, whose autistic so

I'm ready to lose my mind? Okay? Well, I think he's going to get gainful employment immediately doesn't really have a choice, and then you guys need to get a game plan on your overall finances so that the panic can leave your throat. Okay, I will help you with that. Put you on hold and Kelly's going to pick up, and I will get you some for Ramsey Plus for a year make if you have a one year. Membership to that included in Ramsey plus right now, when people to sign up the membership is a fifteen minute free counseling session, with a coach.

And they can sit down and help. You unpack the rest of this and help you get started, but you and your husband for his birthday present we're gonna go through financial peace, university you're gonna get only every dollar sink budget sink up with bank and get everything going and you're gonna do at all, which can be completely free, I'm paying for it. Ok, thank you! So much got another. You gotta game plan out here cause obscure terrified. Now blame me. I've been there and what feels what we're gone on the same page, I'm a listener and struggle was here's. The thing we're going. Now honey for others, computer and you watch this with me and you're gonna help may get on this budget or Emma duct tape you to the freakin share. Until you do, When he wakes up in the morning, we will have been duct tape to the bed by his wife and telling alleges just now,

It costs about five dollars for all rolodex until we ve got some here, No, this is a metaphor right. An orderly do as today rooms in Iraq. Today. I can hear this now, but yeah you gotta he's, got up he's been working, his whole life, and he thought that was enough and it turns out. It's not just get nothing. The work done though it could you end up in a rational way over the toil of Santa not our carbon and so just working, but working plan now that'll take you somewhere, so different thing can what you do that job

Kelly, give give them the get hired digital course from can common dotcom. We just we just turn that that's been out about a week and that's gonna walk through some basic legal yeah. It's it's a wonderful of eleven part viziers after after watching p, not a little. It's a big deal well yeah, but the point is you can get through quickly and it's going to really help him from everything. To get a fine work, too standing out, he's getting track record as far as a worker, but an you are off the headsets. We're gave her one year to remedy blush, ok yeah, so I want him dick to get hired quickly and here's the deal, You ve been drive and a truck good news is those jobs are plenty. Right now are. It's like nonchalant, like he's an aid, a situation. Where is like all? How do I get hired at this point? where military a guy who sailed downstairs. Jeff forty seven year, drive and truck

it's right into people understand covered lay offs is not some aberration. Some sorts aberrations were all went crazy in view of circumstance I just get after I be looking for two jobs at this point because you get Rick Grandchild on top of everything else, he's gotta get after it quickly I think she said there was another truckload threefold payments on need to get rid of. That too payments yeah I get rid of him and He can get there and she can too We will help you off with you get up, you can get it You call us back if you get a more questions, can mama co host on the day room she show today that puts the sour and the workers

Its Kelly associate producer advance greener for today, Ramsay show this episode is over, but have you heard about an event product or service? It didn't have a chance to write it down. Don't worry! We everything you ve heard about during this episode in the podcast cash out, or had today Ramsay dot com thanks to listen,

money isn't the only thing we talk about around here: get life changing advice 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 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 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 the can common child. Where ever you listened about gas, hey it's producer of the Dave. Ramsay show this.