From the headquarters, Ramsay Solutions broadcasting from our parliament? A city of this is the day Ramsay Shop, where America hangs out to have competition about your life and George money. My name is empty. O Neill cohesion with with me today, is the one and only Doktor John DOE, only and we're here taking your phone calls around life around money around pretty much anything these days. In times of loving this new direction, Dave is leading us down and if you'd have occurred, eight hundred and eighty eight eight hundred and twenty five five hundred and twenty two five thousand eight hundred and eighty eight eight hundred and twenty five

Five, two to five give us a call, and we would love to have a conversation with you Anthony that my button on your Anthony our borders litter, but before we go to cause, I'm gonna ask you some listen. Year. Big into the social media, is to the Youtube to the internet's. I've got a. Massive social media presence and I'm learning how to do it right, by following you, this morning. I guess today or yesterday this article popped up on my feet? that you put out here in the title was pangs student loans by becoming a sugar baby, What would you do article explores some students are paying for their education, Anthony O Neil

I come from the higher education. Space have never heard this. I need you to be a prophet. To me, I ain't gonna grow government, help me help what is way paying. Do loans by becoming a sugar baby. What does it mean? he says he never heard of this in the college race. Not know the kids were that this is a good idea to perished in loans are so ably They were article K. They wrote go around What would you do series at that nice on tv and it takes on the issue of meaning college hopefuls and there is our great grappling with How have you ve college, and so what, but I am seeing in this area, is that older men or older people or goin to younger people Saying hey, you know, will you be my my date pay them for that date. No, what happens you know and privacy.

I just under this article is talking about how p are paying off. There stood allows because you had this big pandemic of nearly one point eight trillion dollars instead of low debt abstinence graduate with thirty five thousand miles of stood allows and I think young people a sort of realising clout. I'm gonna graduate two hundred thousand two hundred thousand dollars in eleven glove. When an odour individual Anna them to just note. Hello have a good time with them and then come back home and get paid for. It's a city. This I'm looking at you know on the radio you can't see. My face discover in disbelief, amend in I'm in disbelief too, if my daughter, Burt If anyone who I love, anyone who I know I've anyone ever called into the show and said that they were sugar. Baby I will have some words

because I have a word for the guy have have were, for that is both male and female. Doing odor, so sugar baby to simply means, is the oder individual going down to the twenty? Twenty are whoever's in school and in part given the money is This has to believe there's other ways to pursue lungs b, other ways to go to college without involved in this madness, We know that there is other ways, but I think People are looking for quick ways out of it because of this dead issue which, which is crazy, which is to me. What kind of more rose too? You have? I you know morals, as it is thing, honesty and be entrapped. It maybe it's morals, I wanna, go even deeper, like have more Respect for your heart have more set for yourself. Yes,.

Now in ferry. I want to make sure I'm being honest on the shelf. When I'm gonna dimmer research, nothing illegal or nothing That is, I would say, this isn't the two young right, ok, so. From what we know from an article? No, so it's I simply going out to dinner a conversation, that's it from what article is talking about, but steel, I'm not comfortable with it my daughter is not doing at my son is not doing that. My love ones are not doing that. I just I can't rock with because I don't. I don't trust, especially with the others. Theirs it there's a massive power imbalance. There get right, yes, but that the broader conversation is there gotta be havin, is that young people are feeling so trapped. There you go

young people are blindly making decisions with or without the guidance of their family and adults. They trust in their life and its go deeper. Why are they doing? What's the courtroom? Don't wanna be a dead man. Young people are our nervous, they're scared, I'm gonna, kill anybody, you are, I don't wanna graduate college and have all is over me had to move back in with my mom, Had to drive this car get a ride. The bus and I can enjoy my life. What can I do with I do? What can I do and so the core route is, I guess I do I want that what can I do now to avoid that? only we know of the stress in the issues that what they do the day, is going to impact there to my oh, my gosh and anything Say you don't know what you're walking into and so that is why I have my message, just due to those with a period. Here's what you to do to start a solid foundation cedar. The worry about Greece,

to end with Sid allows you have to worry about not going after your dreams. I want young people to go after their dreams and I want them to get it into them. You're, not doing something that your integrity questioned you morally fill of safe yeah, insanely homey can't sleep. Could you let your disgusted about in all decisions that you have made and I've been? disgusted at a young age, not because I did something like this, but I wasn't who I was created. Be it all. Man like I felt disgusted having to four products. Animals be honest with you. Collection agent and I'm over here by Can you and harassing you to give you an pay bill. What I'm trying to say if they were my stuff, it also like we all, If we have a solid foundation and go down the core of the problem, the quarter problem is amended and I don't want anything

these young people were considering. Is this because, like I don't I don't? I don't want that issue with that? so is it as a dad of it of attack? girls in a four year old. I need to hear this their kids making choices to pay off their debts that, because I planning or because I'm putting a vision of success on putting a vision of prestige into their hearts and minds? There is gonna when my than than they ve got than we ve, got an I need to do. A job at a young age of instilling in them the value of the dollar. Here's! What Three community college looks like

let's start saving money together. Let's come up with college dreams together and to those guys out there so something's wrong something wrong with row. Up deceleration gets infringe, erroneous guess: fathers second is this: is it average people all over? The country are discovering a faith based and budget friendly way of meeting health care costs? Christian healthcare, ministries, Christian Healthcare, ministries or c h is a non profit organization that helps members carry one another's parties with healthcare expenses and they have successfully share in each other's medical bills. For nearly forty years c C, H is right for you by visiting C H, ministries, dont, see age is a path sponsor of Dave. Ramsay live events

going out to the beautiful, beautiful, beautiful place can't have a conversation with Alex out good afternoon. How can out today- and I hope thank you so much for what you doing here s, the problem so like a lot of folks covered turn my life upside down, work in restaurants and I was like attacking my debt. I owed thirty four thousand brought down to twenty twenty five, but now I'm out of a job and I'm finding myself in a bit of a catch twenty two. I live with at risk. Relatives and the next phase of reopening have endured dining, which there's always chase spikes and stuff like that

can't really go back to work but being out of work, is giving you some serious like depression and anxiety right now. I really am my guys. Should I homo always. Wall with like super low rent in and risk of getting down again and then I'm stuck with another whole stack of bills, or should I just wait it out and deal with my mental health which work in restaurants,. They have done everything a chef, bartender manager, anything really here's mining worded, it doesn't cost Please do something else are used. In the restaurant world. I've only ever done. This entails. Fourteen a done Saturday, three three now thirty, three, so I want you to step back for a second and say everything that we knew about how the world worked is different. Now,. Man, this idea of it just gonna finally kind of make its way back to what was is, is over it's gone,

key example that I got to have a ringside seat to was, One of the large revenue drivers Et Ramsay solutions was financial peace University; An over hit in a room and said: what do we do right now and I started taking one their main reverie drivers in giving it away the business changed overnight and it transition tried. So I tell you that to tell you this I would consider strongly if you ve got a good situation if the people in your home count on you This may be the moment that you're gonna have to go get a part time. Jobs are gonna, do different work that is something you haven't done in a long time, but that is gonna. It's gonna be what you need to do right now for your new situation moving forward. They come. It's I'm going back to the restaurant business the place that you love the boys that you no more more likely, the posters comfortable that might come

around Verona you'd make some money if you jump and get a hold. The woman go, get a hole in the wall, but you nailed it your mental health, your value, your worth, man we were made to work what you to hang on the line and Kelly's going to give you a copy of our friend. Can coalmines book trucks in principle. I at least wants you to go through the film awful and spiritual exercise of stepping back and asking yourself not I dont first twenty years what trouble me, what do I know, but what actually wanted do. What do I? did you right now is the world's chains underneath me, and how can I make both my keep my family safe and take my bills and take care of tomorrow in a whole new environment. Let it. Going out to LOS Angeles, California, we're gonna have a conversation there with kin can good afternoon. How can today the Myself help.

Had on experience, light. Suicide have a hard time dealing with it We said I resent you just experienced telling about that. I r. Fired from grandchildren ran up and you saw our time, total dishonestly take time. And ticket dignity breath. Anyway. I am. I need is wanted. Some guidance on how to deal with the standing in a while. You know side happens of different. I might as well take his life, and I just I note regulation, but I just wanted to get tough inside of you

he walked out what kind of stuff. I'll get to those questions. The I can hear the weight in the hurt in your voice, the Jew see somebody or did you have to. With the aftermath of so may, take your life. You heard guns so you and outside on I was the first one there again last all they had so I was, I'm never seen ass. Those really hard to get you try get. I do not rule out so to do number one thinks recalling the call they just now is a brave brave call and want to Odd, isn't even the right thing. I want to know that I hear you know with the and appreciate that number two. I responded personally to number those situations and saw sat in your seat, and I want you to know that the things that you saw you are not supposed to see or not.

I do see that stuff we're not supposed to see that stuff and it is devastating and it takes your heart out from underneath you and that's it you're sitting through right now, you ve, not too got to go to this isn't a think about this, isn't a process you have to get somebody else around you right now. You gotta get somebody to talk about in process what you saw when you saw it how feeling and somebody's a check in on you in the next couple of days. We Permit me to do that, and it's not a moment, can does not amount to be tough stand a moment to sugar coat. This is a moment you, you ve, been through a trauma you first responder. You sat in something that people want to see and you to treat it with that level of immediacy in that level of seriousness, Kay

I cannot. Let me sit is too may you asked to you ass, a question that I remember when I was pasturing for about ten years, my life. That would be the first question, why why did they dress? What why and they'll be honest with you? Can I don't care who you are no one has said answer with weak. We can explain why we can explain why people die Y got, allow set to be people be killed, we don't oh, why some would want to take the we can explain, as I don't want you to carry that burden and keep asking yourself why? Why why why, right now, you send love for that family but your number one priority right now. It's yourself Is your spirit? Is your mine and it's your health, which is why you have to go and see a councillor when you get off the phone

I what I wanted to give Kelly your name, number and email address on personal gonna pay for your first hour. Because you need to go see someone not today like now. Because, right now, what you're doing is your absorbing all of this in your screw you sub questions, you looking for answers and some other things we just don't have answers to, and you need to cry. You need to be scream you need to be able to hey. What's on your mind, in a say, place so that we can can get you back to the door before yesterday? We gotta get you beer sooner than later, Well until yes, let me let me add that let me let me all to that little bit there is now Libya. Tomorrow, you can begin here there's not going to be a return

to yesterday you saw what you saw. You experience what you experience and that's. Be a part of you. Over time, you'll make meaning of it over time. It will become a part of Europe. I'm a part of the choices we make. The decision to make. But, as Anthony said, this is a serious. A serious can get what you saw, what you experience. And I want to tell you. As a community member. I'm glad that somebody like you, had the courage to go outside, see. What's going on on the line. Kin were grateful for you, when we come back, we'll talk a little bit more broadly about suicide. Above

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you want to color KEN heard some gunshots in his house and he went outside and he was the first guy to show up and find that his neighbor taking his life and If noon, I wanta not gloss over that trauma that experience that pain that he experienced and the importance go sit with somebody immediately to talk through situation. What he saw people are not, was to see that, in the end in the healing process, it's gonna. Take weeks is gonna take months and he's going their people in his life and AIDS, Anthony graciously reached out to sea, what and financially to help amount, which is just such a gift He also said the collar can also mentioned.

Friend recently take his life. And if you look on the news, if you read the statistics that this had written. This country is just on acceptable, its unacceptable so any mention something, and then I think its critical on its right with someone around you takes their life. Every cell in the human body has one job. That's it gets it tomorrow and get to the next day to the next day it will often things in the short term that won't beneficent a longterm coz. Its goal is to get to the next day right, but people smoke because it feels good now it slows things off me right now. Even those go kill me later. Your boy we'll do it needs to do right now to get through the day, and so, when someone takes their life, they are overriding every system they have, and there are You will never know anything said this in. I want everyone to hear this. You will never be able to fully get inside the heart and mind of somebody who takes her light and wearing that on yourself is unfair to you that

said there are extraordinary researchers like doctors, not, like Doktor Thomas, a joiner that that put out these ideas. Why would somebody get to that place? things like hopelessness things like belonging. I don't belong anywhere, their are. Ideas towards a procedure burdensome both are worse off because I'm here, and then there's this idea of practising actually had the ability. I've got a gun available to me. I've got pills available to me. So there's a coup the things I want to pass along too folks. Here's a couple of myths, a couple of facts- and I pulled up from a personal note number one talking about suicide, asking somebody hey! Are you hurt yourself? does not increase the risk that they're gonna do it off people are so relieved that somebody finally saw them for whom they are understood them for what they are going through and they just weep. They just say yes, people,

talk about killing themselves are often trying to express this pain that they are experiencing any sort of threat. Be taken seriously my students, friends, the folks I've with all the years they know do don't mess around with. You must have not with a lonely, dude cause call your bluff one hundred percent of the time. So often people don't want to die they're just exhausted and are tired of hurting, and they don't see another ops Somebody mentioned a quote to me. One time that suicide, not the problem for somebody- hurting that's the answer in so we ve got a back up and say who, in our world doesn't belong? Who in our world is on the margins? Who is hurting among us around us if you are hurting, if you are sitting and discovered mass of your unemployed if you are struggling, if you are looking at your debts- and you were thinking People around may be better off. Without me, I want you to

all right now, one hundred to seven three, eight to five five thousand no suicide hotline? One eight hundred to seven three, eight to five five. If you know somebody in your life, history not hurt himself called the number, You are thinking about what I'm this would be better off. I better call the number. I won't here tomorrow and the next day and the next day she was We got to start talking about it more and we've got to start talking about it more. When we got to start loving the people on the margins we're gonna go out to Jackson. Tennessee we're talking the pages. Just gonna go. How are you tat is how we do it, who we are fabulous, we're doing damage, and I'm glad you split to that guy in directly divinity get some help. Are you know, Mister Ramsay and the team up, there's no effect on retired police after enlargement three years, so I know, but at the end of it

His wont do. Do you and you ve got to get you ve gotta get help Thank you thank you. How can we you peaches, thing is. If I get We are running around here right now with this covered. Ninety, what's going on and they are not doing this and not doing that. No no Brady Bovina pretty go there and I think this fabulous is worrying. Gaskell, socially, distancing, everybody to stay well, but I in talking to them and listen to them. It is like a rubber band, I literally speed rubber band dredging stretching stretching stretching and stretching what are they gonna do this time? here are maybe a little later on where vaccine then things are getting back to normal, rubber band is now they're going to facilitate, couldn't wait to get back up

I was going to shop in illegal abounded in thinking about it. How do we keep our brain running off into the picture That's a great question. Everyone thinks for caring about your neighbours that so good things are going to my friends and be an astute enough to see that man peep not making wise decisions right now or their get nervous. I love your knowledge. Is it stretched road stretched courage if anybody think you nothin to think that we really do have to really think about here is that people are going to struggle. We know a lot of people have been killed, a lot of people are not really making wise decisions financially. I agree, peaches that we have to be safe me. No, you're around a lot of people where a mask, if you have symptom stay home, maybe outside so distance as much as possible, but it said time still did we suddenly the economy we soon? but we still need to make some money, and so

I think right now, while being safe about being wise, we also still need to be producing a may, make a sum income and so Levin at you know, we have a lot of young people were staying home right now in their while their social dismissing the, but their doing so educating themselves like, for example, to take an orphanage, apiece university and some or even leading financial peace University in helping people get right. For what happens after this pandemic. Kids and so I love that peaches the answer you directly, I think that what you can do to help is you continue to be an ear you can t to live example- continue to walk in there, and ten you to serve, serve serve the best way to get out of our own heads is to get into the hearts and care of other people in this this crisis, this year's left a lot of people, feel and scared about their money. All they know

that they never want to be in a situation again. They don't have. The idea where to start right. You mentioned that when this thing's naps, People are, or people gonna do. That's where you can come in a great way that people have served their local communities, their churches, their neighbors, important with Ramsay has been to serve as a financial peace coordinator chordates. Everyday folks, just like you who walk with people through their proven planted. Don't debt to look. Had snap rubber band? Is peaches put it and help put their life, together to save for emergencies, build wealth they never have worry about this stuff. Again, you don't have to be a month. Experts to be a coordinator. We take care of all teaching. You can even lead a virtual class if you'd they get outside asked for leading will give you free, Ramsay, plus membership for a whole year. Peaches is right. We need people and our canoe to step up and help, and we

give you the best tools you can to help. If you, if you are interested in leading an F p class, we would love to have you serve your neighbours in this way as a quarter can change somebody's life. You can show them the way to take control their money for good, no, more fear, no more was nights to learn more to lead? F P, you two three, three, seven, eight, nine, that's led, F P, you three three seven, eight nine Will you lead? F? P America hear this: you're saving, sunless marriage, you're saving, someone's life- you don't know what you're doing putting money into real, but it's good decision

scripture comes from members who spoke to Jesus said to him. Have you never read in the scriptures the stone the builders rejected, come the cornerstone the Lord has done this and it is marvellous. In our eyes, David Brinkley said A successful man is one who can lay a firm foundation with the brakes. Others have thrown at Oh I like that good. Yes, that will be on my scram tune all right: let's go to boys, dot com question blinds Coms hundred per satisfaction guarantee mean even if you miss measure or pick them color, like like they're getting into my head, Anthony they'll remake your blinds for free. So, You are in any screwed up. They'll come behind help clean it up blind

calm you get free samples, free shipping and with the new promos they run every month. You'll save even more useful code Ramsay to get the best deal. Rules and restrictions apply so today Question comes from Anthony in New York. He its Dave Ramsay dot com to ask here. We go I am twenty years old and live with my mother. She does support me, and I said myself, the college. I try to. Good son, but I think she exploits me financially and cares only about herself. For example, I recently got a sum of money and she broke into my phone and checked my bank account to see the amount she bought. Seven hundred dollars from me to buy clothes, even though I needed for school. I told her no, but she threatened to kick me out. I am deeply dismayed and cannot afford to move any advice?

What say you do you know this is not an easy answer, because I need a lot more details, love in effect. If this is true, Mothers do so our eye. She's exploiting new, financially, she stole seven hundred dollars from your bank account she bar call it what it is she stolen money from you went having a conversation Emma listen, this can happen again remain and any you- have to be honest with ourselves and display K. Annie defies somewhere else to go bottom line and because you can't stay there if, if it continues to happen because asking to bring on stress and more issue or would you can do is try to figure out? How can you lock up money somewhere else where you Mamma can't get access to it because out see how this money information? How did you get the money through your phone,

they look like she got in. There just checked his account and then she, some house, connected to his account in in any. Rights. This she does not support me period, That's an inaccurate statements Anthony she pays, you rent, you live with her and so, he is supporting you and as the new Neil just said. One year old man, it stinks you ve gotta make our plan to get out when your mom will steal from you, even when you saw him on this is from my education is for my future when she says I'm steal from you. You ve got to make your next step plans, and so Anthony, says you gotta, lock up your phone, you gonna change your accounts got to make a radical plan movement to somewhere else, then we're safe, the next sick, twelve months, you need to be out the house today. You need to be planning what the next six or twelve months exit strategy looks like bottom line.

It sounds again unhealthy situation jump, a move that today you need to make a plan about, and you gotta protector you legal protection got to. But as long as you are living in somebody else's house, she can charge you rent. She can feel like, ownership over you guys, wrong or indifferent. We can argue that all day long, the reality is you're living on her dime eleven in her home. She doesn't ever break into your account steal from you, but man, man, sorry to hear that map. But you it's goodbye next, six, twelve months, better, go in its Austin Texas, we're gonna. Take the last collars day have a conversation with Erin that afternoon. How can undoubtedly- and I hope I guys, like you, take my call all my wife and I are confusing songs,

and it looks like we're on track to pay off in about three and a half years, and what we want to do is move up in the house gets caught up in the house and possibly by about twenty acres, and I was wondering if it would be all right to take out a equity. Well, once the house's paid off too, towards our new House wants the house complete we're ready to move into that. We, so they were living in and pay it off right away. I was just thinking earn my first, it was no, but I'm a lot Anthony answer in a little more dignified, respectable way answered it. Just like I was about to em in it that's dead, I mean it as debtor what? Why would you pay off dare to go back into debt? that is what is your house, and is it isn't a priest eating asset, but why would you want to borrow against your home? You know

And everyone says: hey I'm giddy, and so they get back in the house and paid off where's. The truth that affect the ten year, not because you comfortable using it The house something's gonna, come up, there's no pressure to pay that off you go meet them Payments even put all of your money into the house. No, if you pay if the house, this is what I recommend you doing now. Do you want Do you wanna? Keep it in that house out says has paid off or do you to, sell it and use that equity to go towards a new house. What way wish your goal their air wanting to sell it moving to the new house? Yes, so then what did you do that right now, you're like what that is why, wouldn't you just do that today because we want to give the house paid off first and have that that cash on hand. I don't wanna. I don't want to have to start over again because we ve been paying on this house for about two.

Yours already, and so we're just throwing everything out of trying to get it paid off, and we want to come and save a little bit of money after it's paid off for about a year to kind of help cover all that. You know it. Additional costs with the new house? I don't fool interest asset It means ask, know question because I am not getting the math hear you Oh two years more on I must say when a pay it off, so that can turn around and sell it. That you can then put that is down went on your future. Twenty acres therein, the whole country, is that what you're saying So so, why don't you just? What? Why are you not just given the middle man sell the house right now and put them? money down on your twenty acres in the country? I guess Just a completely new boss pay it off.

We're not quite ready to move up yet, and so I guess just once we get money You know that the new House, what I want to try to make it work and equal. You know, How much is the house where I get an equilibrium humming right. Now, it's it's right now. It's just that the two hundred Thomas you own it We owe about one sixty there, so you're forty thousand equity, and you were saying with the next two to three years. You can have a paid off. What's my sixty rivals but begin No eventually you were of great yes, your option is. Is it that's what you Wendy? That's what you want to do another did she could sell the house now? Ok, so the house now and Sir Pay. One sixty on house just go ahead and save that and put into an account, because equity difference between now and two years now, maybe five, five six

thousand hours, maybe depending on how you know arsonists, one right now Austin Texas, I don't know no, that's good enough for you to stay, you're not ready to go down we could sell the house now get the equity. Are the house now go rent Sunday, maybe a load of cheaper, and you have enough room for you found it, but now you payment is going down a bit. I was going out a month save all this money to put down to wars, your new house in the next three or four years. And a lot of people do that and a beer. The air and I'm even considering doing it, because I want my dream home, obviously the reseller, my house now and so sway when I sell it I can now on equity, down in house. It's just me, my dog I'm gonna go cheap? If I do that, so that way two years three years. I can go bill. My dream home and put down a large, large and large large amount

On the house that that we believe, which is gonna, be much more than twenty percent Margolis Sixty percent it house and they ought to have them three to five years. So that's what I was deafening, recommend hey before we go in. I want to check in with you one second,

documents some heavy stuff today, when it makes you your hearts clear. You feel good good, rather man, how lucky rubs about it, they are produced. James shouts and filling in for our social Minha felony Kelly Daniel soldier produces yeah. This has been a great day. Thank you, so much for our children will be adopted as it is today. Ramses Missus James Childs producer of the Dave, ran for once again you made the day. Ramsay show one of the top floor. Most popular party have last year to get your daily doesnt motivation and inspiration from the railway network. Its driver followed to date, wherever you listen, I have I have you. Ve got questions about retirement, investing becoming an everyday millionaire, go beggar and broader with my man, Chris Open on the crucial genscher. I M excited to be able to talk to you all week in week out we're gonna focus on your calls and it's going to focus on building wealth, investing and how to become an everyday millionaire subscribe to the chorus of insurance wherever you listen upon cash hates James producer of the day. Ramsay show this.

But so does over, but check the episode notes for links to products and services you ve heard about during this episode