I wide, ranging solutions broadcasting from apart moving and store student. This is the rams issue. We help you with your wise citizens. Money is really your money, your work and your relationships that are tied to the money. What should one aims? common and joined by my colleague fellow rangy personality. George camel we're here for you, the sour, the phone numbers triple eight eight to five five, two to five

There's no easy way to say this: our hearts are heavy. In the national area this morning It's now national news Another school shooting lives, have been lost. I'm not gonna get into the reporting game because I've if I've ordaining georgia's, that the details or changing fast and uh. Suffice it to say, another senseless, senseless shooting in life is precious and I've has evil in it at its heart square. Those too My daughter is being picked up right now by my wife, because her school stop to pray. Some of the students in her school knew no some students over there so again details continually coming out and, unfortunately, another story, but this time it's in our backyard. So hearts are heavy absolutely yet it won t

for this to happen in the nation another one for it to happen. You know down the street. It becomes for real- and I know you as apparent it hits differently when you ve got kids in school and this stuff just happening it's sadly, oh it's another week, another shooting and just breaks our heart, so our thoughts and prayers, obviously with everyone. acted in all appearance out there who are just deal, with this idea of your kidnapping, safe in a school in today's world, so of god, forgive us. What we take your calls today, because, unfortunately, life does move on I'm glad, I'm not the news ken Taylor. I am to have an egg gig, but we're here to help and does so here we go. Let's go to rico in Milwaukee was constant rico how coil, yeah I've been trademark. All you ve got a simple answer. The question join twin boys about. Do they, just

fourteen and in ve been working for the past two years. to saving money shovel no more lawns and is working? The husband and you're about to go into actual workforce and they saved him from pretty good nest egg. Each one of them be about about twenty two hundred each saved in a savings account. Awesome job they watch financial peace. What this could mean the wife are going to through the university, and so they watch the videos in there. Where did? Why should they invest their money in condition? Well, we aren't. He talks about the two brothers were one beshear when he was younger, the other one did later Sure you wanna be thou the brotherhood a lotta sooner, and so they carry No one or worse today, at the money other than just a saving. The cap have mats incredible. Will you at an incredible job as apparent steering them towards this. I assume these guys are living debt. Free they want to continue to live debt free. Yet

then the jug around it. I guess we are again verged on so we just longer where workers are saving up. I am I am I gonna have emerged. Steinberg Gacy did, I guess you got there. Y'all are rage set up? Surely there give them what they want to know. Your goal is to to be a millionaire again early age. In my time on the town, I willingly arrogance, I shall not be like you're, going to be in the forty years old. So like this, where you have to worry about it, we are our age so Well, here's the thing! Mathematically speaking in Thing right now is not gonna caused them to be a millionaire anytime soon, but that muscle is what's really important, so you could open up a custodial raw fiery and can put their earned income into that. and you said there entering the workforce. These kids are fourteen. Tell me about what workforce looks like a fourteen. Why we may have a negative towards I get the piglet wiggly wrong.

global restaurants, where they can make work as it won't work, So if I like nothing to strangers, but they can actually start actually have a natural job, Are they in school as well full time you're looking for, and then turn wintertime everyday. Shall walsh no around the neighborhood in summertime. They got launch unknown. it's an antenna. Gonna make money. I love it and a high yield savings account as a great place to park all that money, and I personally, if it was my kid or I was the kid, I would not invest into the stock market right now. Here's why They ve got a lotta life coming at them in the next four to six years, when you think about buying a car going to call We didn't there so many variables we don't know about that money tied up in the stock market, because they wanted to be millionaires, they're going to be millionaires as soon They figure out what's next and they start investing at twenty one years old up through fifty there. multimillionaires but right now, there's a lot of variables at play and I'd be cautious about

all in all. Investing aren't will thank you for the code. go in and why the caution well, because at fourteen years old yearbook get your drivers permit and you're excited, and so what happens when you have all your money in the stock market you go. I gotta get a car loan. I don't have any money, you save up for problems you face in this week. I thought about price. It's like you, gotta save up for just fun life. Things is the idea right or you know I want them to still be kids, and so, while it's great to invest a little bit of money, it's easy to turn that dial too far at fourteen you ve got even of a dollar to your name. Are busy investing a love? What what sharp kids I love! Jackson is up next to tap a floor dejection. How can we help a guy? They called bid me wondering if my wife, man, opposition financially to go and pulled the trigger on a second vehicle, Bobby one in an electric bite guy. We got about two. Minutes will give George the numbers pretty quick.

network about eight hundred thousand bring home one fifty annually end basically I'm wondering if it's ok to jump into a major vehicle and thinking like a toy tacoma. Maybe three thousand dollars or sell or if I should purchase something a little more hooky, a man of great down. What's your other hearted and a third time, it's a hard on We welcome your five: what's hours, sixteen thousand. Maybe so, what's wrong, What's pain, thirty thousand cash for tacoma. While I would have to pull out of brokerage vaughan. but I don't know if there is anything wrong with it. I thought you ask him if you ve got the cashing you're going to debt as long as all of these toys, things with motors and am don't add up to more than half of your income, which you just said, your poland one fifty and I'll be seventy five as the upper limit for that and it sounds like you? in close to that ok, yeah

the way tat. Even if I had to pull it out a brokerage, it wouldn't be a day. Yeah, that's not! Retirement funds such as the taxable brokerage account yeah. Oh yeah, you investing for in that brokerage account thoughts I'm fine deafened, as indeed are not me, you know, what's going to happen at tacoma, you paid cash, for I would do it Definitely no hoop, but you know if you're feeling like like out alone, has been thirty than working. You get. What kind of truck and eager for twenty you know me, you got options is what we're here I mean you guys. Are debt free with an emergency fund? Yeah yeah did get the tacoma this is what this report is all about. You got freedom, you got options you're doing without dead you're, not setting yourselves back financially, and this is what investing as far as you can enjoy your life now and later, and you're doing a man proudly you one, whoever tacoma LEO,

If I was going to get. If I was a truck guy, it'd be a tacoma yeah. Really you know, I love a toyota. Can you do you? Do I think I would get an american made just me, I'm a patriotic american. I want that thinking to run til. I run easy, easy all right, hey we're not going anywhere your calls coming up next. This is the ramsey ship I get it. The freedom to make your own decisions means a lot. That's why you should look into biblically based health cost sharing from christian healthcare ministries. C h m gives members the freedom to choose the doctors and providers they want for approved treatments with out all the frustration of worrying about networks. For forty years c, h m has helped thousands of families just like yours. Do things their own way find out more today at c h, ministries, dot, org, slash budget

the show continues on coleman joined by george Campbell with a k by the way it's a coalmining camel today. What are we covering? It sounds like a law firm that I would not hire. I know it really does yeah like bad suits. You know like one of those like injury lawyer, commercial, lapel, yeah, there's that actual camel in the commercial that would you now are delicate we're here to answer your money questions, of course, but I'm here I'm the work personality and so for dec David said that you're in. Mister graves, wealth, building tool. I specialize in helping people make cause. George they're doing something there good at and they of, and we saw or millionaire study the largest millionaire study of all time that night, six percent of millionaires loved there and that's what I do so it plays into the money. So I'll take your work. Question violent stuck generally happy leader, yoda toxic environment? You feel stuck not a ladder to grow, I'm here to help.

You're making more money in moving through the boy. be steps fast or so the bigger shovel guy. Can we say that I liked? I need a shovel when I hope I shall just bring it here like a big snow shells aggressive. Is it a little aggressor or shadow, lead it up a little tiny tool. You know just for dig into mulch, that's great well The tiny shovel for tiny ghost. That's perfect! That's wonderful! That's I like to see as the purpose guy that cause people that they are craving purpose and it's a luxury in today's world. We don't have one hundred years ago, the truth we went from survival to now. We want to thrive. That's right! You up and do that. That's right and the money thing works with that. So, let's go laurie is in cookeville tennessee, not too far away from us laurie. How can we help? I I just wondering. You can not continue to lose money, so we can they retired lou. walk through this. How old? Are you guys?

I was next month is sixty to my husband. The month after will be sixty one. Ok, and are you working or you both fully tyrone. Now we ve been right, we ve been wholly retired, we fifty four and fifty five la and I will yeah yeah. So anyone can say about where have you been bringing any income at all now now So you're just pulling very nasty egg. When we first started for the first year, we had some, but yet But this time my nafta from and asking what we the total next day, when you retired, and what is it today, it was a little over a million when we started in were one million pointy right now leave last like three hundred thousand in the last few years. Ok yeah you, you said we keep losing money. What did you mean by that?

That's nice, going down what, they currently allocated in dark new tools. January. We just we just A hundred thousand annuity become part of the total. Ok Are you working with a financial adviser right now, yeah yeah, absolutely and we are have an appointment to see what one it was recommended by debris, injury, unable sixty zero his plan as yet my guess is one of our small investor prose, which is our financial advisers. We recommend across the country they probably wouldn't put you in an annuity Most of them are acquired Julia junk. There's only- one, very specific scenario. That would make sense for that as far as you losing money, what is a percentage that you ve lost, speak? as everyone has lost money: three: ok, twenty three percent:

That's about right and the esa p five hundred lost eighteen percent in twenty twenty three and so okay, everyone across the board has seen about a twenty twenty five percent dip in their retirement accounts which hurt ok, but we're not. I mean I know other people have lost money but yeah. Ok, well now- run outrageous it's an outrageous you're, not alone, and in remember, were telling other people who are not in retirement age. You aren't drawing from a just hang on You know it's a role, greater, don't get off the ride. That's when you really get hurt in your situation. The question I've got, is what what is your fixed budget? Do you have fix budget. You guys are really discipline with and what are you essentially evaluate? What are you drawing what I a year on sixty five thousand, we are completely got free and have been for years. We only have one vehicle, so your drawing sixty five thousand from the retirement at about six and a half percent a year. What it! What does yourselves to security.

Mine will be eight hundred and twelve dollars, and that will be basically our cost of living raise for you know everything. That's gone up. That's right! You're, not even one at uni started drawing that you're correct, not How do you mind? My first tat comes in june, all my husband, the following year, which will be fourteen hundred dollars. Ok, so let's go perspective to have my parents and are very similar situation in there. There they have no debt and dig. can truly live off of social security. It so their retirement is just grow, yeah and you guys have no dead. I assume none love it I'm gonna throw something out here. Georgia- and I just think retirement is over. it and what I mean by that is. I said this on my show today. I said all the time you know I I think we are created to work and- and I think the you can slow down. Yes, have alot freedom, yes

but I wonder in a situation like this, where they go, you know what what could we do for fifteen twenty thirty hours a week they get to choose, they don't have to go to work, but if there something that they enjoy doing that connects make some money. I, like I like go back to work at your pace at your choice. Laurie. I really do to offset some of this well. Well, we we live. We live fire away from family for a long time and we have the camphor we bought for nine thousand dollars, so we camp near family with friends. The things we enjoy doing is this building thing. You know so we don't get there Now why didn't I won't be a year of mobility is if you like, building things, maybe I'd make a little money on the side, building things and can one is to alleviate some of the stress, because the key when the market is down as you wanna, take out as little as possible because

what you're dealing with here, something called the sequence of returns risk what that means is. If you take the same chunk out this year, while the markets down it's going to hurt you only to grow that money that would have grown in the future with compound interest, and so you either short in your time span to live off that million. If you, the same amount and so what you want to do is be as conservative as possible while them Cats are down like this, so only take out what you need if you need all sixty five thousand take out forty thousand and now, hope this money too to live longer, as you have longer, and that's, what can saying if you bring him twenty grand this year from part time, work that you love that allows you to take out. Forty grand from retirement set a sixty. Do we earn in no way I get. My other question is: should we meanwhile mutual funds that we have too many stack than mutual funds? If I were to mutual funds personally, which are highly allocated towards you know, equities in stocks and so within that? Yes, but I would

be investing in any single stocks. Are yours? you're, the guy already one stage of the game. I died do any single stocks. Personally, I dont do any crypto I'm all mutual funds index funds giant piles of stocks with the top companies. That's what you're looking for and our small vesture prose, and we want you to interview two or three o k and an you want find the one where you got a good connection with it with them. You want them to be able Splain things were you understand, so you are, This is not them, but they're gonna walk you through our investment strategy. I you guys you going be good shape, and I guess I don't wanna- be a dead horse here, George, but I guess victim. gave worry the advice I give my mom and dad and that is my dad are giving examples, so my dad's actually use he's a return, past or never made a lot of money. Paid, their house off, probably twenty some years ago,

My mom and dad household expenses is: are you u low? Ok, it's less than a thousand bucks. Ok, and social security more than covers them, but he's out fillan pulpits get five hundred bucks a week in just preaching and is a lot better that's more than enough for them, and so he staying active when he was a telling me. On the other day, I loved my my mind is fresh. still engaged on an idea that actually on allows you to live longer. Atlas of you want to die quicker. I got two words warrior

stop working and you will go downhill faster, so there you go, you get to choose, but there really is something I mean I'm not joking around. There really is the data here on this, so I think retirements overrated slow down. Well, I think the idea here is have a plan. Beyond I'm going to stop working yeah, I like financial planning for your future freedom in your future long term, but not working. I don't like that. Neither does your pot go move more of the ranges you have coming up. Identity aft ran somewhere. Data breaches fishing scams, the cyber world has gone crazy and you have to be protected. That's why the only plan I use and recommend is through zander insurance. They combine smart cyber protection and prevention services to reduce your risk and have a dedicated team of experts to take over the work. If you do become a victim go to, dot com or call eight hundred three.

five six, forty to eighty two welcome back through the ram to show I'm can communist joined by my colleague, george camel we're here. For you, the shower aaa eight to five five, two to five taken your money questions and then your work related questions. It may be affecting your money I'll be here to help on those by the way for new too programme, while your listing or watching georgian, I want to say a big welcome, sir, Italy, you heard jargon: babies, absent and an advice and philosophy you're trying to figure out? How does this all work? We got a wonderful tool for you to get started into this Conversation see where you are, This journey to having financial peace by going to ramsay solutions, dot, com and click on get started, its the get started, it really sluices, dot com just take a few minutes, and I will get you started plugged in. To the resources that fit you off, or your journey triple. Eight eight

two five five two to five is the number anna is on the line and actual north carolina anna. How can we help. Hurry I'm so my question is more honestly or my children, but it early to me. Thank you for your honesty, one euro, or are we doing enough money right now for children or are even more secure financial future work become at all. How would you say we re, though comfortably were able to put away between two to four hundred dollars between the two children We again were not completely that free. My husband in working towards that we'll be fine. It's just that I dont want our children to be in the same position by

time be reached our age. Currently, however, that up there are only two and three one is now that early I'll make it makes you are really amazing, mama bear you know, there's no shame in that. Now, george, it's got a process that we teach here that I'm sure he was the dive into, but I I love her heart. Yeah you're, you're, you're thinking the right way, and I love that you want better for your kids and you don't want them to experience any financial like you guys have, but the Truth is just like on an airplane. They tell you to put your mask on first That's what I want you guys to do for yourselves as put yourselves and a better financial position by getting out of debt and fully funded emergency fund in investing for your own retirement, but four worrying about the kids, the kid get time on their side. two years old and so no one. I get there

his word there. You know now, eighteen years old and now we're just thinking about putting some day. You know, I guess edward we're. Ok We now want to be a better than ok right, ok, and I want just be ok for the next sixteen years. One we don't know what the future holds. What have you? Kids? Don't go to college? there is a one hundred percent chance. Anna needs to retire. One day there is you ve changed the kids go to college graduate be changing, even as we speak and the data showing that that's even getting skewed. So how much did you guys have? mortgages the authority car between the two cars is thirty. Five thousand credit cards is eighteen thousand and in between my husband and I stood alone. Forty thought: how could I, What's your household now. away now. One hundred forty five Ah, so am I guys do.

No I'm a help adviser and my husband and network in june, and I guess we're both stable, no fear of losing our job on you just got a year in the end and both of us though he and I really don't in see any any trouble the near future, and we do have a question for you up or are me those words like three month: ok, now again The issue of these dead or alive there? The car theme in the car loans in our work. something that we were crude clean the last two years because we bought a minivan because now we have to children in on. You know things like that, but if it's my wednesday. What's the interest rate on those credit cards we- have wondered spying. Point: nine, nine, a being thirst, one. That is the aim of the seventeen, but you know,

yeah! Let me lay this out for you and to make it real it'll, be much more digestible for you. So we're gonna ignore the mortgage right now. You guys have one thousand dollars in the bank. Anything outside of that. Let's turn the throne of this debt. You have ninety two thousand in consumer dead. You guys make one forty five. based on some napkin math, how quickly Did you pay off? Ninety three make an one. Forty five, you are super focused, required two years are, let me yet years I of their say we can. We can do it. Oh comes a think about the future, though you know four year old but you have no deadline and your working towards that fully funded emergency fund. You still have fourteen years too, them cash flow college, but here's the difference, when have any payments anymore? so how much more could we invest two years from now on? words: if not a thousand dollars right, kill

on you make so much sense. It's just that yeah I get that is. I didn't want to wait any longer here doing it from a beautiful place. You have a wonderful motivation to help your children. My worry is that they have to help you because mom and dad didn't prepare, prepare for retirement cause. They're busy, helping us go to college that free. And so were target to two and a half years from now, you're in a different place, anna and I'm so proud for you guys are going. I know those kids are gonna, go to college debt free if they used to go at all? Yeah anna, so the answer The first question is no you're, not you're, and stop that in fact water. You ve put aside you're in a pull all of that and yours are attacking this debt with our debt snowball, the smallest debt first knocked out. minimum payment on that the german pain or whatever you just roland role, in a role in it and george who got. Let's get lots of if you guys taken

it'll peace or, if you read tonal money, make over you just listening, are watching the programme. What you're, what your exposure to us on a again, saw a couple videos on youtube today and I saw the phone number. So I call it a night. He wrote down baby steps by dave ramsey. I was thinking of buying the books. I can read it well, you don't have to buy them today, because you're, the greatest mom, that is on the planet, where we're gonna, give it to you, Sir George, what have we given her financial peace university? I think financial payment fees university, one hundred per cent, the skitter in a community of people that are walking through the same journey. You find that community is huge when you start journey like this is here's what you're gonna do you're gonna run in his people? Who try to talk you out of this? because it makes just too much sense, your work, to george moments ago. It just makes so much said bell because its indeed, so much sense. You'll find this world is full of uncommon sense and very little common sense. So that's why people are like it. Just

It too much said george. What's wrong with a picture, I love that it's so simple, because then I even a dummy like me can understand. I enjoy urge your no dummy. I appreciate that well admitted I'm going to the game, so my you're, so welcome. So hang on the line Austin's going to pick up we'll get you that, but can I want to do some math for an earthquake or the college saving site was a she's worried, there's not going to be enough! Love break it down, but we just told her two years from now: she's going to be debt free, that's right, the kids four years old, which means fourteen years and daily turned eighteen. if you just invest four hundred dollars a month. forty eight hundred a year tracking with me and I'm still with for fourteen years with the average rate of turn of ten percent, which is what we've seen with the s and p five hundred. Actually been closer to eleven eleven and a half, I like what you're doing you're being conservative here's how much you'll have a fourteen years later. One hundred thirty! Five thousand dollars now tell me its work in a part time. Job has got some scholarships and you have a hundred thirty five bucks. A thousand dollars. Can these kids?

What college did free if they choose the right college in the right major? Maybe so, in state and what s? What? If your kid Don't want to be a lawyer doktor by that time, I'm in that higher education is going to be largely irrelevant or the next decade of higher ad is going to see, alas, they're going to have a lot of money to get trained whatever. That means to do They really want to do so. You win any and regardless of college or not college, you never use, that money but you ve invested in their future training education very wisely. So it gives me a lot. but the problem is: can we're trying to do seventeen things at once? We never get out of debt whenever fully funded emergency fund or trying to invest more time and thrown out for the kids college. twenty years later, what exhaust exhausted? Well before that, goodness it's, why I wasted so much money at the friday happy hour, drink in our faces. Oh wow, I didn't get the invite KEN wolters you and I don't do that. You and I

wait. Now we play spades with our wives and have popcorn were playing cricket yeah. What really wish KEN coleman sport is more your speed I'll tell you what's my speed, more calls for real people who want to win? How about that? My friend you ready for that quick commercial break, he's george Campbell, I could comb, and this is the ramsey show. You know.

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what the back america you during the conversation here about your lies, specifically your money, your work and your relationships as they all together for you to live the life that you desire to live, I'm can coleman joined by you camel this? Is the rams show phone numbers? triple eight to five five? Two to five? That's triple eight, eight to five five, two to five and georgia. It's that time, a year again, I accused myself from this, because I say the word tax and I see that I start to think bad thought. And then I sailing have you filed your taxes? You owe you phylum as soon as possible meat. To get em over because it looms in my life and I like to get her over. I don't like thinking about the government taken my hard earned money. Don't get can started What we do get a lot of questions about taxes and its confusing, and so to help you get a better handle autumn. Let's unpack, when these since from our listeners. Are there multi use for filing a tax extension where's that

there is no pennant penalty for filing attacks extension. It gives you six extra months to submit your tax return as long. You follow your extension by tax day, but here's the deal Even if you file an extension, and you owe taxes, you still have to pay taxes by the deadline on taxation, you don't you will get hit with late fees and penalties so to avoid that so How that works? Can, when you recall, an extension you gotta ask- make your total taxes owed and compare that down much you paid in federal taxes during the to see if you have a tax bill, but look If you're going through all that hassle, you might as well just go ahead and file your tax return. You ve done half the work already, one is fear and I but they are what you owe any file your taxes or file extension through tax software like our very own, ramsay, smart tax? So if you want to do that, gotta ramsay solutions, dot, com, slash smart tax, it's easy to use! There's up pricing, no hidden fees, like the other guys- and it's only twice-

He for ninety five right now to failure federal return, again: ramsay solutions, dot, com, slash smart tax, If your watch it on you, two were television wherever this might be the face. got there. On that little lower thirty they've been using happy to talk about tax. I guess they thought. How do we get more people to file their taxes? George's? Look at their face. I mean it's a face. Only a mother could love tell you that much oh, I love the oshkosh baggage. Dunham jacket that looks fantastic. Your noticing, yeah, that's well played, will you shut up these days? Can the eight hour peace to fact that I didn't they had their? It is folks were wide awake now or move. We really do love each other, but it takes of these agreements to get snarking. Now we're ready, like the old guys on sesame street up in the balcony, just commiserating lets them up its george savings for playing same thing, all right back to the show, Courtney use in chicago illinois, courtney, rescuers, say how we help you

Oh, I have a question in my question. I just found my cat, I couldn't have that better george! You set this call now. Alright happenstance court. You just filed your taxes. How you feel I'm not feeling too great. I owe the iris about fifty five hundred dollars and that's about it optimal. I have in my favor right now I'm trying to figure out how I should paid off. Ok while the good news is. We don't owe this money quite yet we ve got a lot at a time right right until tax day you getting any paychecks from now until then SAM. Ok, what will that amount be? Do you have any idea I get around like nineteen hundred per check every two weeks. Ok, after taxes so we'll have to more paychecks until through tax day, yes, great

How can we use that money and still get by on April eighteen, fifty, Five hundred comes out and you still have a thousand bucks to your name and some money in checking yes. Well, I have a separate accounts for about a thousand dollars, because I was reading now one of the book, I'm told me about the shall I see you have a thousand dollars in a completely separate our great haven't touched and then your fifty Five hundred in another account. Yes, perfect, so we're gonna go hinders use that money and it stays. Because you worked hard to get that fifty five hundred, didn't you yes, but think about it this way, you owe that money would have come out of your paycheck if we had our with holdings, correct and so is just It was just some. You know, math and financial, quite right. You don't get down yourself, that's just a gesture with holdings. If you want to avoid the giant tax bill next year- and you can do that your w for form there, your employer, now. I want to add something here: george, because this is this

type of thing has happened to me before using how to dinner, and even though I had it set aside, and I was able to make it happen and you just walk or through the options? Courtney, I gotta tell you on the type of person I usually is like are. What can I sell? How can I make some extra money how to avoid dipping, and how do I avoid debtors rice dipping into my current accounts, if I can offset it, even five your box, a thousand bucks to two thousand corky, I just want at least challenge you to consider. What can you sell? How can make extra money between now and tax day so that you're not taken his big ahead? That's what I would be think, ok you know and then just cutting expenditure say. What can we cut in the next few weeks? That's coming out, maybe a subscription

thing we were going to do or grocery bills are shop. What's on sale, let's eat the leftovers, they weave a neighborhood yard sale come on up courtney and my neighbour. If you want to make the drive down franklin and you can to set up a little taken besides in asia, the gas money she would spend driving from chicago to nashville, wouldn't be where I didn't think about, but trying to be got rid of here, george! I would go to your yard sale. Well, I wouldn't let you in there because you'd be criticized in all my prices. You be walk of people going that's over per. I would at high gotta shared a camel hack here that our saviour five boxers, I'm gonna, where fake moustache and shelter here yard sale can. if the police cleared? it's not really great. Could I could do better. I like to see that all go to LEO now, while or stay in the windy city areas, Chicago's popular to day, let's go to LEO leo. How can we help Because my call down- and I actually had a question in regard to a young- I haven't your home appear that I have to do for the house, some numbers looking too How do I go about that

I take out alone. Do I what the entire for what's the repair and how much is it going to cost it's the repairs very to be the tank thummim. And those are lower price here, I'm getting quoted around twenty to thirty, then, for the first two or three that open I do have to mars myths coming up. And when they reached the two words backing me in our approach, taking up her child in a month and a half, so We do have around six thousand saved up so far, but take out alone. I have no idea how urgent is this. What is quite urgent because the work the more we put it off the more damage wicked due to the home, with the pomp and everything in the basement so right now, for example, without blocking into too much detail. But the toilets won't even blush that love

Oh, you know that way better than I would have to be like it's a for alarm urgently. Oh yes, Yeah have a system. I now set up a kind of band aid, but it's not really scots. Have you these companies if there is a temporary fix that can get you by for six months. Yeah, I actually spent around close to three thousand dollars already for a a discovery for them, dig it up and a jet the pipes and all that and nothing helps a boy so without that they're actually just really replace it. and you said this has to happen soon. Are we talking a month from now two months from now six months from now on next. We, the toilets, all flush. George, I'm go it tomorrow, yeah who yesterday on a three year, what money do you guys have access to that is not dead. city of six thousand savings,

the idea you can sell their eyes we do have. We have two who tease and my wife's cars were really nice, but how about it? repaid paid off what why those go, but you need three cars right now. Oh, I use one for a door dashing I'm the side as aside hustle, and I keep my they're both very not value. as I probably only get about a thousand either of them and then how about health care? What are we looking for? As far as the the bill for the baby, the eyes, good healthcare? You know we have great healthcare my job so we'll be. Ok, that's fires, thumb. As you will be ok, so right now, with our building, everything were able to save the closer three thousand a month

I'm probably selling mama's nice car in order to get this thing taken, care of and we'll get her another nice car later. But right now we got to emergencies. We've got a baby on the way and aseptic to replace it, so we have to get real, drastic, real, drastic, tough situation, a self styled. Thank you for the call LEO and george good hour and say thanks to J crew, keep it and saw the air to you. America. Thank you for listening. This is your show. This is the ramsey show the hey it's kind. If you love the show and want a deeper dive on your money journey, we have a weekly newsletter that gives you training and helpful articles and tips on following the Ramsay way. Go to ramsey solutions, dot com today to sign up for our newsletter again, that's ramsey solutions, dot com to sign up for our weekly newsletter pay. It's james producer of the ramsey show. This episode is over but check the episode notes for links to products and services you heard about during this episode, thanks for listening,