The headquarters of rapid solutions broadcasting from a dollar car rental studio- this is the Ramsay show where apparently hangs out, have a conversation about your money. Your life relationships for mental health, which are not everything on the show on January, join here by ready personality, George Camel and we are taking your calls on everything- give us a shout at AAA Ache to five five, two to five. your point, eight to five five, two to five

Georgia dumbo saga, the Dama. My third show this week and we're just get started its our second time. Co hosting this week, you realize that it's like Groundhog day off it's just the state of Amerika and if you're listening line. I regard this as a double blessing, George and John twice, and that's what they call it now they're trying to reach over for the the scan button to see if anybody else they haven't lived long enough. Even hear this at that. At that point, that's exactly at fine, but we're here for you. We would love to answer questions and, if you're millennial or genji, and you forgot that there's a phone up on your phone. This is crazy if you tap that, if you dial eight eight eight eight Five: five, two to five you'll, be through degenerate, who would be happy to put you through to us in general, human she's, a real person not an if they could figure out a way to automate that they probably would Kelly would be like I'm out of here retirement. Let's do this why not, I think Kelly would destroy the internet's fair, the robots or whatever,

point. What are you been up to John? You been travelling a whole bunch of, but on the road. You are hanging out with the minimalist now: no businesses and our all over the place talking about mental health and relationship You ve been heads down. I can amenities this. You ve been working really hard on a new book. It come in looks like in april- and it is I'm excited for me to this. The challenges gonna beat trying to convince people that there's mental health and relationship challenge is going on in the world right now claiming convincing job. They do not- and I assure you know cool man? If you could ever have a book on the subject in the through you, just an underhand softball pitch maintains the sea. Can you give us any level of teeth? I know you have been very intentional about this book. Ensure that it does connect making sure that you say what you want to say this. So it's a tough process! Writing a book the end of the day, Dave too story about it.

out of one of his early earliest financial peace courses is walking out of a building one evening and he had his book and a woman some through it, and she looked at him and said finally, a finance book that I can actually understand, and he said that was the moment that I realized that but with all the letters after their names, they talk over people to talk at people and This woman was so grateful. Just have a book, she couldn't stand and she, heard a conversation that she could understand, not in a like demeaning way. But in a way. RO interest over intellectualize everything and so the garden, principle this book was. I think what we know about mental health is nonsense. I think the world has set us up to fail and blind, as for it and so This is finally a mental health than relationship book that people can understand that actually will say. Here's the challenge, not this in others,

this, and so the I'm tired of seeing people all over the contracts. Yet on the road and a meat would people big groups, little groups, groups of awe businesses, individuals, I'm too of people saying I'm broke in, something's wrong with me and getting plug back into the matrix here, and it's just turn that we stop in the same day when, after death thirty years ago, and here we are and I'm going after them, who that's so good, a moral excited. How do I change it to appreciate them, and I can read it on my level, the font will be folk. Thank you size, sixty lobby. In sixteen point, you have an interesting story junk, as this is rooted out of your own personal experience on top of it, education background you get to Phds, you have many many years decades in this world counselling people trying to help in crisis situations and people's darkest moments. You're, the guy who runs it yeah, they answer well end.

There's this there's a lot of inside baseball, right and counselling and therapy as a college has become this mystical world Psychiatry and all the medicines and all that all the different types of counselling and thoughts and unbroken I've got diagnosis and saw can going do this and I can never do that nonsense and so it's time to adjust to the lights on. Stop the music and say waterway On eight, we got acknowledgement in the world shifted underneath this real real, fast right. Stuff that was not fifty years ago, like you'd, never borrow money unless it was the last possible option in you knew your chaining yourself to something now That's a classroom as we are thereby t shirt on payments, brother, school man right so the same with no health and One story: a few years ago, a part of the brain. Who did out of some fancy university where they were given us all the staff and all these tests? And it took us

back room and guides leave computer disc Donaldson, here's the findings right, the seven magical things for brain health. I walked out of their holding this piece of paper and undergoing Grandmother specifically told me six of these. Why was a small small child and she didn't go to college and she how We spent a trillion billion. Gillian dollars to lose around two stuff that my grandmother told me, and so the lives are leading our nuts, their atta control. The business we're trying to run the homes of origin to run the are marriages are key parenting, parkers somebody's gotta say, stop stop. is not the way to do this. Man and village rooted in this idea, dude I'm worth more than a year more than that. My wife is worth more than my kids worth more than end These calls on my show every single day, people Jim melting and they're doing ass, again reducing their Lee.

The best deal: maternal love their husbands of Ezekiel, trendy parent, the best they can the only tools we have right now go faster and harder and do more and it's not working man You tell people slow down and taken of what you can take control of you talk about this lot, two things you can take control of your thoughts and your actions, not that you And that's all you at all levels at the gave. That's the game, it is disorienting, because we want to flex and scream and yelling grabs control. So much more- and I mean you, can you can You do that for it so much easier to focus on what's out of control, Thou John! That's what makes headlines exciting. What makes me buy stuff right when I think alike, just get the right candle, what the right sent in the right this in the right, bathtub and the right. Laugh when the right, whatever that's gotta solved, not you Norman or, if I just get another girlfriend or another drink, are the right work out programme. then finally find them Rubio right in the deal. Is this nonsense?

nonsense, so just a re orientation number Or to get it out there, but Poetae what you it's really socks it's my origin: I have a lot of respect and love for editors out there. It's not a job. Most normal people should want. So I am grateful for the ones that are out there doing it. Well, I won't be, will take control, woloda heirs of the life and all you do too. If you got a question, gives us a call, Tripoli Eight to five five? Two to five? Maybe you need some affirmation. Maybe you

so I think I know what I do. I just needed. Somebody tell me: yes, it's exactly give us all relate eighty five. Five to five years, we have funded jinx that with you that we're out of a fund, we should try to get it back again. But now, when I do very much joy, James is egging it on. I refuse to be a part of this nonsense. Fine, but relationships, work, money, your home parents and give us a shaft triplet. Eighty five, five to five just like that, and there will be right back on the Ramsay show people all over. The country are discovering a faith based and budget friendly way, a meeting health care costs through christian Healthcare Ministries, Christian Healthcare, ministries or c h and is a non profit organisations and homes. Members carry one another's bearings, but how here expenses and they have successfully share in each other's medical males? Nearly forty years we have seen it is right for you by visiting C H, ministries done see. Age is a path sponsor of Dave, Ramsay Line events,

this is the re empty shell, I'm John Maloney joined by George. Can we are taking a calls on life, money and relationships, parenting, triplet? Eighty five? Five: two to five: let's go to Ethan in Detroit Michigan. What's our brother Ethan, I we don't. Harry I'll, do an outstanding. What's that packing up, my wife and I didn't talk you. I really have a desire to build a house. It's in property! many issues, Only the Dante night has for the most of what I research restart your game. You read about twenty percent down tied up in my current attitudes, equity bickering. around- and I two. Fifty on a great there. three hundred and eight currently about

one down on it, Ok, you got about one one. Forty plus and inequity some curious in turn, getting to where I can build. A new house why would be the wiser Josie weather? does tell those house and ran closer to where we want to build a key measure, and I have put down There are some other way. I can leverage the equity in my current house without showing that it I told the next houses rank the word leverage just puts DA. I don't like the hare, my arm, George Hemorrhoids, hates it you, you haven't talent, you have a plan, Why don't you trust yourself with that plan? I, like that point, The top I went wonders looking at random everything I do.

Looking to go from my like five hundred a month mortgage to lecture kinda, two thousand we want ran and scientists it's actually going towards reconstruction right to plant? three month, a man tat, she'll, better retired, sir. I don't go for a year to their hearts with instruction loan. When do you actually need to have that money? one. We need to give him the money. I only target Priscilla banker, yes, I myself have been on my research by mining. you're saying that the discharge the moon was I'm sure you agree that ten percent down that's my question is: if that's the case worth its later on down the road where you could sell and make it a kind of a clean exchange when you move out of the house have already bought this land Ethan. You don't believe in that work this feels to be endured. Hoppin here. This feels to me like a dream that

still a few years away dad, Looked at the equity in your house's do and pretty because the markets lost its frickin mind got this dream unwanted by land and build your dream house or build a house on land and there's a gap there. I have no problem in its it's what my life there, of you, sell this house, you rent for a while, and then you can land where you wanted land and I get the gap, I think, what you're trying to have is it at all, which is you don't have twenty percent down a good start this process without have selling this house? You cancel this house if in our renting and you can't rent, if it's not shoot, you can have give us something. If you want this move. Right now, love to see you save up like crazy with a five hour mortgage over the next year too, and then sell your house. You risk not happen much equity in it. And you also that that, with that same risk, you risk that the lander gonna buys gonna be cheaper to,

and so it six only half dozen another man. But it sounds you're just a few years off, trying to cram of future dream into a right now moment bought and in Bulgaria and rent for a few years to get this thing done. I've George, my spirits But wait underestimate how long. getting on land, getting the land perked and getting the permits again. The than he worries makes you are connecting to the internet and real year, two, not three years but a year or two. He takes a while and, do you know how much the lamb plus construction low cost right now, the name around five hundred thousand. So much Can I make two hundred? said she had found were next couple years got inside a daughter, my tongue partners, I bankruptcy fell out of the hundred and twenty five years old, I fixed up. Much there

and I'm just tired of it very gown and walked and walked a year for some days at their feet. For telling us that part yeah. You get out. Well, did you got an incredible income, and so you guys can live and you got a five hour mortgage, which tells me there's gotta, be tons of marginal your budget right you guys have any other Danube. Have yeah we one day. We have the money in the bank. I just have to take out attacks situation for landed here, and they showed it down over the ITA change jobs this year and so by two vehicles, I was but on a flight ticket, Let's go it alone as yet we have the money in the bank where the money in the bank anxious I want, it should be covered on taxes. Will you can connect, the tax pro in your area. We ve got those all over the country in Detroit Ramsay solutions, dot com, but I don't want you to be paralysed by indecision here gone well, I gotta figure out the tat. I gotta figure out this year,

two hundred grand a year man, but this thing to work followers consumer debt start stack up like crazy and you could this down payment for this land and construction loan within a year on your income and to pay off that isn't going to sit down with an actual contractor. Who could be this house getting some real numbers right now you were on the internet year, estimating here your s, vain. There sit with the real issues: provider a real Ramsay trusted Realist, pros consistency. Here's what I can sell your house for right now and then could have some very real numbers to begin to create very real decisions. and a very real time. One right now. Just so amorphous is just spinning. Our union I'm gonna have to incomes, are WAN and what was the extra margin our budget? Will we got this one loan on about tax it unit, clear answers in some very clear specifics? Lucky for you in the sounds like it's a pitch, but it's not

but a kind. It is what you can do all that our institutions are calm. You get tax info that you need. You can get a real estate person that you need. You can't get a construction alone. I mean a construction guy there but NGO find someone in your area that can help you with what is this thing and actually cost, and then you can make Implanted feels like your close, but not quite dear, but then get on. Signal again in this house, I gotta get out his house man it's gotta, Ellen in Chicago Ellen. What's up hey, John Head on the Golan I'm all calling- because I know- I am absolutely dementia. She should that what was cycle settlers because she had a fox We are not talking about twelve or is it head on. Die from memory loss, sir.

so why coin is that. I didn't kill me and I'm actually struggling with my mother in law, he came up. I had to state my mom's in our procedures in its fifty moving at the time. And she had started asking for one of my mother and I, just as it was in right, so the king said Somewhat isolated, I'm just with her, asking for the east and the changes. Those arab em has been launched I get together for Christmas. I don't know can. I also don't want our kids to be affected by it, but. You and I won t. You're sure feel need time

I can hear that hurts in your partner voice, so you a family picture of what, college. A quorum quote supposed to look like you have grief that you're dealing with an everyday reality dealing with your mom and her challenges. Then you ve got a mother in law right in the middle of this You and Madame LAW got sideways his mother laws being inconsiderate, pre, disrespectful and our trying to figure out how to make all of this work. Let's do this hang on the line here. We can hold you over to a break and we can dig into this little bit deeper. Thank you so much for be brave and for letting us go on for sharing with us,

man lot going on, especially we headed to the holidays, George, that gets tuft of tough from so grateful uncle. They will be right back right here on the ranch, a sham. You can afford to go to college check out Grand Canyon University, unaffordable, private christian University located in Phoenix Arizona GC. You is ranked top twenty four best college campuses in America and offers two hundred and seventy five academic programmes with over two hundred and forty on lie. Gc you has not increased campus tuition since two thousand nine and delivered over two hundred and ninety million dollars and scholarships and twenty twenty alone find your purpose at GC. You visit GC, you don t. Do you slash my offer to see what scholarships you qualify for

This is the Rams issue on genuinely joined by George, camel technicals on life and relationships in money, how to get out of debts. Pot of fix your marriage, Tripoli. Eighty five, five, two to five weird talking to Ellen in Chicago and before the break, Ellen. Amateur recap this. Let me know if I'm right or not. Your mother has been struggling with her health and recently was diagnosed with dementia and she is currently operating. you guys is that correct, she's out we stand with my sister? Various are ok and your mother in law moved in and she will As she came up,

for a visit and criteria for the convenience of not spending per hotel. Beaches had her stay at my mom's condo friend. She was in it recovery centre from her from her father Jack, and she had no doubt some says yeah Ok, you're out your mother along began, asking hey. She's not going to use the stuff, could I have some of fear, mom, stuff it really insensitive way and brilliant sensitive time that hurt you. If you not spoken your mother in law, since you nonsense, shelved state apart from one another. I again very short with her on the phone. Ok there's, a short tell me up How this hurt you. This is affected June away beyond just day we're in an idiot. This

The fact is it hurt. You tell me about that. Because my mom not dead and just what you asking for world things that were very important, to my mind, Does she know that she hurt you, my mother, your mother, in law,. so because a while it's. The night had come to an agent, when it came back and she stood. You know You want me to you only wildly and cautious from the kids I stood. No, I mean they want to see you. How much of this hurt is real? due to the incense insensitive

if your mother law and how much is hurt, is just the weight that your mom's hurting and she is coming up on the end stages of a remarkable life. No, I'm just a kind of Cape Denzil short I had mentioned. Ok, I can mention to the lady who took the call that we had. argued over. The thing and she had actually submit to a box of of the item that believe it's like that makes sense. Just try, not a grocer anybody by I just she had done something I felt first fight, but how much is the paying for this.

No, I want to keep my mother in law watch her mom to Alzheimer's as well. so I I Like you, I get the fuck outta here. It's a lot that its exact right. So here's here's, here's the we can a little Adele you get to decide, partnership with your husband with the holidays. Look like. and if you were in a place in your heart, mind where your mother in law hurt you so deeply. You dont want her round. Then you get to choose that all of us get to choose and that choice that boundary comes with consequences. It come with kids, they don't get to hang out their grandmother and it may be worth it or may be kids, can it be a part of it. This year mean your father. Gonna go do somethin else, so be it all, Bounded boundaries are never clean,

there's always semester and people run up against was banished see if they hold. What I would love to see you do if at all possible is to sit down with her mother long and say this request. Hurt me. And maybe you didn't mean to, but I want you to know that it did and I'm not to start giving away. My mom's thing she still alive and from this for I don't wanna talk about my mom stuff when that dick than that they will come, but were not very at and that's you making ownership of the situation in getting in front of it, get on top of it and not letting it continued to drown you that make sense, George, so take ship with a phone call. My phone call may be hard or you can mean a person. Maybe After right out what you're gonna say, I've done that several times where I know maybe emotional, about a conversation, and I write down what I want to say that way. I don't Where'd you get all jumbled up, I dont lose perspective, it say in a respectful in a dignified way. And then letter respond and

Guess she didn't try to hurt you. My guess is that she privacy and sensitive, but she had no additional costs. a painter and holidays are messy was all remember what comes to how we get the wicked to make a choice. We about this John, the Entre leadership podcast, coming up on and a fine print episode on the holidays and spending family. boundaries can be so much that bubbles up especially around this time. To this just happened to be some some poor time yet here, as we had another holidays, but bitterness resentment, but you get to choose your response to an element My guess is this may be the first Thanksgiving Christmas without mom. This may be the first thanksgiving. business where the reality of dimensional summers, Alzheimer's, is sitting in on the family, so hard ass, such heart and in it's it's easy to cast some of that pain, some of that resentment on somebody who says the wrong thing at the wrong time, right so

again do your best on. What's hurt, what's real? What's it all real, but what what's where's the hurt lie? and then be direct about addressing who hurt you and then, let's all move on that he'll or let's make a boundary unless we want from there. I am but to take ownership of the sullen and of all the different facets of this thing, and I know you can do it. I know you're hurt, but you can do it. Stacy in Atlanta hastily, what's goin on cry, So I have a daughter who is, I do you in high school and we ve been looking at colleges, and that means we're gonna be filling out the faster and, as I was pleased to note that she was yes did them start by my father. Her grandfather I can show the baby and then those dividends reinvested over time and when she woke him with a small amount of money like maybe Well thousand dollars, but she can use for college

how does she want to use it to start? But my question is to put her in the best position financially light for taxes, input getting financial aid. Should I plan for her to cash in that stock and pay it? You know, use it in the first year. Do we do it over several years or do we go ahead and put it into a five point? Nine or some other kind of education plan just to put her in the best position to get financial aid when that time comes. I guess next year or the year after so she's about two years away from going to college. Yes M. Shiva shall be entering a fall of twenty twenty three ok you for plan ahead is awesome, so she's gonna be able to go through college debt free regardless of the stock or this kind of hindering on Hagar we're gonna be able to pay for college so I am looking at the card is achieved, and Europe in day are around twenty thousand dollars a year so

No, she doesn't have a scholarships grant an in depth, ok and then hoping right now? We don't have any that in we're. hoping that were gonna, get some how Russia's ok, I want her to choose the school based on what what you guys can afford, come up with a plan to gather and scholarships and grants can be a part of that, but it false through we still gotta have a plan b so if you guys, I'm gonna cash out the stock and what I'm gonna do with it. Like you said, put it, to an essay five, twenty nine. Let that grow tax your private or offer the five twenty nine. If you ve got a good planning, your state, you can look into movement with a smart vesture pro in your area, Ramsay solutions, dot com. They can help you navigator

process and that's what you're money grow tax free for two years and you can use it on all those education expenses so that was set up in Iceland. Can I just want you to stay in the lower gonna? Send you a copy of our friend through Niels Book Debt free degree, and I want you all to read that together and we get her a code to the documentary. Those exist. Settler really get you egg code so that you don't have to pay for he can watch our new borrowed feature on shall sit as a family and watch this, and let that impact what colleges you're going to choose to go to how you take out tat.

eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five. This is the Ramsey show taking calls on life and money and relationships go to Laura in Portland, Oregon, Hail or what's going on Fired unsightly hurry, police yeah, actually I'm looking forward to it being the best thing that ever happened to you. I would have been well. There was a new law and ensure that came in January and deleting cleaned out pretty much everyone than had been there before her. You know on terrible, mindless, Neil, etc, and I

next I might have Obama choppy block on Friday. So I am speaking, study use old. I have finally glow about my full gray light hair. I was like Santa Claus here and now: I'm I'm not looking for another job and my biggest concern is it. I had a leak professional career all after college Tatra in and I had a horrible. The boy drew a long story short my job he had street had from this company. I worked for for seven years, the basically my only what for, then I can use around they fired me. So now I'm like I've got no.

On my faith is a little bit shaggy and I have outlined in skill, so I got the financial was. The stress I was tried, hit that free and yeah, so by could be helpful lot. So do me a favor. Could you just inhale real deep hold your breath for a second take a big deep breath in his hold it three To let it out So it is all saying to help this ox, I'm sorry it does now it's it's a lot are by Frankie COM. We're talking about some research the other day that losing a job is, can be as devastating psychologically is, losing a loved one. Yet in you on top of that year. Still with the divorce? How long ago was that

With two thousand and six ok, so that our russian you re all their though Yeah, twenty thirteen. I had a nervous breakdown basically you got came to life after that very well, yeah, so This is your first pick stress test since the last nervous breakdown of the things you learned about yourself and some tools right in here. We are, boy, you drive down the highway in the car, starting a rattle on your little bit. You remember your body, remember so what we do and what was your job? it's working on a government contract de scaling up.

the Department of Human services files like child abuse cases, adoption that trap, though I would propose piled remedies, staple paperclip, tat, Rapture, put them into the scanner and then scam them index is exported to fear in effect So what does this nonsense about? You have outdated skills. You call our show another tells the truth. You know what you're doing you cool stuff I used to in my previous life, I was a traitor manager, fuller, high tech company and did trade shows all over the world. Basically on Laura. You ve told me to different what things I on earth. Can I call you a little bit even though in front of a couple doesn't the italian people you told me about your. ass job, but he used to be you marriage. He's too me! Yes,

No one should put a period it into those sentences because we're The old today It's because you used to run trade shows, and then you went to preparing documents for child. Cases and adoptions, There is no difference in importance. You may have made more money than one and one may have been flash ear. But both jobs or necessary, and the next job it is going to be necessary. And just because some guy walked out on you and said something else is better than Laura, whose friend, by the way reflective of his actions not years one of the demons. One of the hallmarks of depression. Is we keep trying to pull the past back into the present with us. and we want to say this is the way

been misses. The widow is gonna, be I'm gonna, do something else, something involved in another job or the relationship, and that's gonna leave me to an shift that narrative and say man? We got a new manager Phooey next right, yes, but I'm afraid you Laura with low how awesome gray, hair and fifty seven I can do anything. I want to through here's the question: not how do I it back to what was cassettes gone. The question What do I do next So what do you do? Next? What you wanna do, Laura your fifty seven you're, almost half way I could see you live to be a hundred fifteen, so you're about half way. What do what well, ideally, I would like to find a job a bit, please my bill. Well enough. There I can foster. be for a local organization that service star.

Two are veterans of PTSD Thank you can make your support. I felt so you just want to afford a puppy foster a copy for a better, and but what are you gonna do with like you work like your life I would like get back into high tech or work in a marketing department, probably not as the lead market in person that those atrophy customers, but more behind the scenes with the Marquis supports, preferably for hi tech company or, like a chemical engineering company sent you, you know anybody who works in high tech or an income that you could go. Sudan have coffee with. I do know a couple people in high good then today and to Morrow. You are promising us say I promise that you're going to reach out to those people directly.

And they had been when you coffee. and then you gonna say management restructured and here I am, and I won in Yawls building. How do I get in and I will make copies. I can prepare documents, or I can run the whole sherlock I've done. I do it all. I don't know a lot about hi jack, I'm fifty seven I've got gray hair they get over it because I'm common full, Laura it back so here I want you to do two things too important. Number one. Aren't you you every time the past comes up. I want you to take a deep breath and exhale and say thank God it Day, and you didn't. You may do that a thousand times in your first day and a thousand times in the second eight thirty fourth day work turn your dial not from the past but to today, and we can begin and Ford the thing is: is Georgia has great quit what're you gonna, do you

for high tech company, that's fantastic! I'm going! John, informing consumers connections like our friend the proximity prince. I gotta get in. I gotta get in the door, and I know some people in those areas. real real, quick relegates o clock you out of my pay bills for a couple of weeks, couple of months were about about a month and a half. Ok, you may need you many Laura to run down and get a job in a coffee shop to pay bills and there is no shame in their game. You may need to run down to a local, whatever, and they are hired like crazy and find it That's gonna pay you bills. While you bridge the between where you are now and where you're gonna end up and you get yourself that puppy stay on the line, we gave you a copy of different conclusions. Brand new book for pay check the purpose walk into the seven steps to get the crew you love and by the way, it doesn't matter if you're twenty seven are fifty seven, it's not too late. Too late and hey we're gonna, get you a copy of his assessment, so you can walk.

and say what I get into this big became what I actually want to do that test gripe man. as big time. She said

law, as a staunch he's gonna make it happened. Tat can happen what out what I want to make sure we get to that foster puppy. Don't worry, we'll get that Foster Bobby. Just not a french bulldog thanks to James and you Kelly for running the show today. Lazy gentlemen will be right back. This is the ranch issue. Hey it's Kelly says you pretty certain funds arena for the ram solution. You would like to do your temporary screen live on the show mixture you visit, the Ramsay showed dot com and register with a club for you to cut the national telltale. Your story bail out you're in a rush and living life just going through the motions, build confidence in yourself and learn to crush the God who created you check out the Christie Ride, show where Christians buyers, you break through your limitations and create the life. Your browser live pay on Christie right. You know it so easy to feel stuck. You live life just going through the motions, doing dishes, doing laundry carpool lines and a whole list of commitments that bring you no joy. We live like that. That's why I want you to check out the Christie Right, so each episode will help you felt competence in yourself and the guy that created hear more from the Rams network, including Christie Right show. Wherever you listened applaud cash.