What is more, I am sure that all of our rural areas, that that day, Ramsay show that is down and the paid all chosen, the blaze of the Bmw status, symbol, shores microloans today on the show Russia Ramsay Personality, number one. Summing up, several butchers lighters number one. Every day million absolute huge blockbuster. Both open phones are AAA eight to five five too

We talk about your life and your money, eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five, Jason is whether in Colorado, high Jason welcomed that I've wranglership do you think, Maybe you can help me with the financial question. I'll try. So I got to your house and employing next month. We will take that profit, pay up a rental and come walk away with about seventy thousand in Chad. So we want to purchase a home in three to four but pray about three to five years and was wondering what to do with that money. You know for short term investment, now: torture, household income. Ninety thousand- and why are we waiting three to four years to buy apparently we're living in my mother wants house she needed to help, so we moved in there kind of the perfect time because of market housing markets. Crazy right now to sell

So then, after that, I think prior three figures will just go out and they cast warehouse once we felt the rental and also the and his park. This money shall the rumbling three to four years and take every mother, while in the meantime- and that gives you have replaced the live. How can you make a ninety? Ok plant Jason. Are you gonna be able to survive through two former years? no no, I'm not in any way, namely bring up just saying a long period of time by friends. Are you gonna? Do She's been Leavenworth, For about a year and have no other house, I came over here six poorhouse. It has been sitting bacon for about two years now and then we moved into this house The third thing word: that's good! That's good! That's good! You're, a good man so well. Here's the thing: there's not really a good

middle ground to park money like medium risk investment that I'm comfortable with that. I personally do and on a recommend anything on the show we dont recommending that crushed under Ronald do. In other words, we don't have some plan, it's good for you. Were too good for or not good enough for something like that. So there's two options one. I make no money on the money and park it in a money market, and so you don't like one percent. Our money, the other. Since parliament in something like a so that I can have some p five hundred justice? like a vanguard should be five, a no load and just let it sit there now it'll do what the market does if it made ten percent you'd make seven thousand dollars if it lost ten percent over three years, you'd lose seven thousand dollars. If you did ten percent a year at Bay, So where are my twenty thirty grand upside?

and you could have authority grand downside. But it would be unusual. Downside obey, like you, hate you. You put it in January and and then covert happen, and you were having no crap moment right that freak. The market garnered right now. He's got right today and you ll be right back. We told you not to jump out We were right, My answer was right back, but but you know, let's say you are trying to about you, wouldn't a ban because a covert but, let's say you're, trying to buy a house when that market was at the bottom We ve been going out, May Ramses advised and parted in a multi party. Put it s ambition, you just not you gotta, be looking. You and your wife have to talk about the rich tolerance and J upside. We might make too Thirty thousand downside we could lose ten to twenty thousand if we're not patient, now, if your patient, usually these things will come back and you wait

say market did the up and you just have to wait a little bit by your house. Right now With that in mind, I'm ok! Where the shorter window then five years parking something inanition pay five hundred, but your risk tolerance has to be there because it's very real that you could actually lose some of the money. So You told me different numbers and you should I'm making fifty thousand a year Have any other money than this money? This is my precious money. I've been saving it for ten years output. In a money market, because I wouldn't let you have the risk hooker another question on that your eyes at the time Is there a maximum amount, but I didn't put in for a bachelor error, maximum number time, those at once per year once per year and its the same amount as any IRA. Ok, six thousand and you do you do an after tax traditional shutters know our tat. They eat they ve gotten.

Tax benefits on it. So when you wrote to an Irae there's, no taxes are when you wrote, or rather I'm sure, there's no taxes on it and other one every year with sharing about where they want to rear. And it's a good way to get money under the Ross Davis back up here, because you have really been clarifying, especially during this covert situation, the importance of understanding the difference between saving and investing investing as five years or longer and so that gives you that period of time that if there is a market down turn, it gives it time enough to be able to come back and so in that Mine said, if you're trying to do something within a two to three year period of time you ve got to Tibet. Is your saving towards this doubt this thing and I think it's really important to call out for people, because no, you have to be aware of your wrist on ninety percent. Are you listening when you ever under five, your window, you

no money market right because you can't stand it. If you lost five thousand men stood a made twenty right, it will drive you bananas now, if you have sixty five thousand in your accounts that seventy to keep you from Bauhaus no password, but your brain goes on, you know steroids goes, but if you're your head blows could you lost money right and then you go on airport? My marriage refer allows money back in our twenty zero and its allies because you didn't have a right wonder if you leave the money alone, five years nine b, seven percent of the five year period and his stock markets history money, so if you put an at them, time or the worse time, almost every time you ve left alone, five years you would. Some money, maybe a lot, maybe a little whatever, but so too have your window is a very safe, analysis based on historical data,

if you leave it alone that long now, when you start backing down to three years, it's only about one in our about two out of three times: sixty seven percent did you make money now, that's exactly these six more any thirty six month period. Now here's the thing that was so you got to the end of that at that time was March. Ok of this year and the thing dove and the dowager thirty thirty. Thousand right dived down to nineteen thousand drawing. Well, you would just go thirty six months you go forty miles and today you be back, seven thousand annually What are your money back so you'll? Come since comes into play in statistical analysis right, yes, but it doesn't always, but people are looking for some She reason to not do things, but that show you're. Ok, you got breathing room is also not a part of partners.

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For thirty days, free, a brush books, dotcom, Slash, Dave, Ramsay, that's fresh books, dotcom, Slash, Dave, Ramsay, refulgent gallows thing was made a day. This is directly showed called the David Andrews. When we talk about your life and your money Alex, Weathers Alex's in New York. I Alex welcome to the driver If you dont great, how can we help so? I've been looking for work, you show, since I was a little kid riding around in my granddad car, and I have said so. My financial situation is this. I make

between my wife and I we make about a hundred to grant a year. We don't have any dead other than stood out. Why don't you credit they don't have a car like it said. I and I don't own home, but I'm want, and I'm wondering Actually, I'm enrolled in forgiveness programme because I'm an attorney for the city, and so I don't have to make payments, and then at the end of my period as long as I stick with my job, it get their remaining basket. Given that the ten year programme? That's right! Now you, if you read the statistics on that, I haven't had a ninety. Seven are not forgive and so far ok, it's a joke. I was a scam, so I wouldn't set my life up on that. So much stood alone. That of

So I because, like a young lawyer, I went to law school. I have a hundred and thirty one thousand Nokia and what your household income a hundred and two thousand a year shut that I'm sure I am shocked or other Of course I will both agree. You just get about the business abandoned off weekly quickly, Rikers yeah. I really would now exceeds the beauty of it buddy. You know your income obviously is going to increase each year. You know how to do. So in that mindset which you don't want to do is be chain down to an area. You know you might get a call for a job and allay or a job in Florida, Java, Cross, strait, pay and three times more, equally. So you got opportunities address wooden chain, my life down because of some forgiveness, and you being an attorney can appreciate. All the nuances and details, and they say the devil is

details indefinitely. At this scenario, it is so looking at you, gotta make some wipe decisions. You know the beauty is: is there did listen to your grandpa and, as you said, been less than a Dave along long time. You avoided all the other dad, but you got this one. And this is the one is holding back around forty six million Americans to the tune of one seven trillion dollars. So if I'm, U I'm staked claim, for my life, be intentional about the direction of go on and on- decisions and almost are trapped in this debt down one loan at a time I'd be done about two years ago. You throw up your slaves. Get out get out of your life and then your whole perception changes on your career path and on your track. Otherwise, you shouldn't around stagnated with these Washington D C colored golden handcuffs that hold hold you into, maybe into a job that you.

The weather was laid him. An adult strange things, Nicole, is in Montana High Mccall. Welcome that over him she show hi. How are you re not going up? Ok, so my mom is trying to convince us to buy the piece of property to develop a this, but my husband- and I are both. We can't afford it, because what we already or no mortgage- and did your mother come into play on this. While she got an opinion, so Should Hermes in property. Now she liked me very controlling and two things that the return on the property if we turned around and sold in a couple years we would like it should buy us exactly what I'm tell her to get her cheque book out. Right to check. How will they ass? I will be

ready in November and asked him? My husband is thirty five, a huge full grown to spit yeah Mccall gas? Listen about! I also want to go back to school. Have the money for me to do that. But then we won the heavily with, but then you can What your mommy said: yeah, don't wanna, be my mom. Nor should you couldn't be what your mommy said to do them. If you want money for your dream instead, a herd regardless, because I'm tired living the way my mom and my dad did and right now we make about sixty while we are on our house plus what thou be scared. The hell out of me

Show you already knew what to do before you call right Heiner by EVA. We also don't have what we don't have like a three to six article murderously fund. If I use the money to go to school, we're not gonna. Do that and we're not gonna buy the property show how we need to save up some money, what school caused, I don't want my eight thousand, I wanna go and how much? How much money do you haven't even much my challenge? We love avow line but then we have about five energetic out, ok, sure, fourteen thousand, you need eight thousand plus an emergency fund. You make sixty,

But if I quit my job to go to school, they will make boy down, but you can quit your job. Yet until you have the mighty go to school, so eight thousand is the total cost of school cannot go you're going to have to go back to school. They get me out in ok and how long does it take a year after year, and it only costs even out in dollars and how much more will you be making with you get the always worth it? That's a good match, a good move, when you go for the average pay among Anna further job. I worked was about forty Sal and re now only make about eighteen, but should move. It should move to nutrition education because of moves Europe then come in and you can by land or whatever you want do later. We gotta pay for it. So you can it only calculate as this one evening

study or to full time study. Now it's an online through my few b, and why should you ve quit your job like this? I thought I told they can go to a school. They were going to ask here which, because I dont work and the city, I live on, Are you tell my kid you're going to scorn goings and I was in love and my day, terrorism billings from a two year old shall confused about you said you had to quit your job to go to school I also like this will now have not a school and moral which makes it really difficult to get to my job on time and I'd have to pay after school care. For my boys, but that doesn't gaining do the going to school other than just have trouble when they get to school are get to work on time, not get a school for schools on line. Ok! Well, here s the thing.

When your husband to sit down decide what you're gonna. Do I don't think this land is in your future? Lash is in your future and you have to through, I shall let you get a teen, really tough mind shell in order to move forward to move forward a lot Dave. This was a no brain approach to win kiddo! That's right! In here you and your husband, you ain't union home to freakin breath for eighteen months as longer get it done. Ok would attack, not hold a breath. Well can a you. Can you can do almost anything for green Monodist, true, but heard her husband need to sit down and have a unified statement how much did run and our lives. Well, that's that's numbers shut met, bear that says. Yeah and opinions are like yesterday's. Airbus datum lesson. I share with you the the other that that's part the boundary issues and aware no, she didn't get a vote and, yes, you do need to go to school and, yes, you need to pay a price to go to school, but the right

Maybe your little tired, I well, but can't you working go to school at night. I did that regime that schools online, it's incoming you ve heard of work and get the kids are right. That's got going into a scoop methodologies deference you guess a problem anyway kiddo, but you can't just I'm not gonna work anymore, the money right, and you need an emergency fund employed plus eight thousand dollars, and so you guys are going to work extra to get to that point and then jump in get european. I think it's a really really good thing. So, thanks a bunch appreciate your joining us open phones, eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five

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We are listening to this and you're a business owner order in the age our world attention here for a second, it is no secret that there stood alone crisis in our country, the hurting Americans, one point: a trillion dollars, stood alone that that's with a tea at eight out of ten workers. These European on your team. If you are an employer, if you're in hr you're an owner, your leader and their living pay, two paycheck were everything going on right now these problems are following your team to work, and it's costing you money and killing your business enough is enough. There's a lot of work

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and which ones are real, because under this cares act you can now ride off and the employee is no longer taxed on the student loans on stood alone. Forgiveness she used to. If you gave him three thousand dollars, I they had account that his income and now under the Cares ACT, you can get three thousand dollars to pay off their student loans or ten thousand or whatever you choose to do, and you get to write off as a business expanse. They dont counted on there access, this is pretty sweet. Yes, it is they that Nazism that's a major shift, and essentially what you're doing this has given the business of credit for doing that and war in being able to help their employ. Employ also has opportunity to throw more money at the debt and that's always positive shout if you about this guide to workplace student loans? grams, gotta, smart dollar, dot com, that's our corporate hr, branding, smart dollar, dot com, and you can get this free.

I d Workplace student loan programmes for you, a jar people, you leaders out there and business you can learn about what to do. What not to do how not to get messed over, because there's a bunch of these companies have jumped in their destroy them, they're, trying to figure out a way to refinance, make money off of em and everything else. That is just simply getting the student loans paid off which is if we want to help as the employer. That's what you want to do now. You really do, and I want to talk to these hr professionals out there. Listen. You are someone that has a heart of a teacher. You somebody that cares about the people on your team, help them right. Especially in this day and age, you know me stories you know what's going on. Do me a favor step in engage them, talk to your team and find out if you ve got people. I promise you. You ve got eight out of ten of them that are struggling with money and their struggling. Listen to me, the people, you know their families are struggling. So you have an opportunity to do something. A little bit different nuts engaged. The problem with the solution go check out smarter

dot com. You can learn more about a help, your team brand, is whether in Louisiana High Brandon, how are you about our EU mission. I got her going up sure. Yes, my company, that I worked for they contribute to we're said a bar hourly waded into an annuity I want to give them more insight and possibly be able to preserve them with something else that would, if it is their newly plan, is not the best thing for all. In the long run. If we can preserve, there was something else that possibly what would make us more money Well, how big is this company? It's is issued a copy that our board maximum grain, the crane company, ok and big, huge in ten thousand employees are not. Our goal is global. I mean it's up its explores how they are not unlikely

their air from these he's the West coast of the huge ok, not to be smart Aleck. But what makes you think you're gonna make a proposal, a jar, they're gonna. Listen to probably known, but I figured out some I would have a trotted, something of an oil tanker, yes or no We wanted to a union law We have a pigeon, an annuity and just like I said I was drawn up really trying to try to get more insight, only a newly, not saying that they would, change their ways. So do you have something different about what I said? that is the the annuities run through the union than isn't it yet, Sir, that's that's really who you're talking to them. Yes, I hear good luck with it a body, but the yacht so there's two kinds of a new fixed anew which suck all the time and that.

Basically a money market rate of return with an insurance company and it's trapped with all kinds of penalties and surrender charges. If you try to get it out early, then there are very oh anew, which I'm guessing is what this is. Not many people, Shellfish Moody's March have destroyed up insurance, gas and what gas can sell a variable anybody's as well, a variable nobody's mutual funds. Inside of an annuity and some of those in some of the marked, depending on the fees that are associated with them and redundant in this situation, because the general retirement plan anyway, and so that they could have actual just increase your for a one k contribution. Then much better off and you'd had much better options were to get too, but I, Tell you whether the annuity, if it's a variable annuity, is a good one and not without actually knowing the investments and sat up and here's the thing neighbours. Couple things I love number one. You know that branded your mind, set on

Turning to learn more information, you're gonna need to start at the union. Have a conversation. You got a couple things it. Here long standing relationships and well the union's preference and goals and so but a conversation gain some insight and what can be done and keep haven't dialogue but Dave. You know, member years ago, working banking, world investing world and people would come and they ass for new, but typically these were the people that were risk averse. There. They were scared of losing any money on and that there is a place for variability in that cut right. Some of the better variable innovative products will give you a guarantee on principle, solve the market turned down lose. It has largely below a certain number yours, and I'll give you a guarantee on a minimum, a floor, read of return that you're gonna get and shove. Your risk of As you know, even though you might be paying an extra fee, then you're gonna eat. You can come out and you can do a couple of things on Irish, their annual name of beneficiaries as nice, pashas outsider probate, has national

They planning beneficial, not all variable annuities your bad. The good ones are actually pretty good work, but but the problem is just miles out there and what the union has gotten yourself tat into an you. Gotta find out. What's in there these are associated with it are him and how much was right of return after fees after the Visa Ban pay, what you read turn and I'll. Tell you how much you know. What's going on costs, Rick is in Minnesota High Rick our Well, they think. How are you, God, how congressional yeah My wife and I are focused on eliminating or mortgage, is our only that we have both eating nine thousand dollars left and my wife father, as confirmed in her. She was gonna use them for college.

Shut up. Not meeting could do that. So we still have a Marian heard LAO revalued about fifty three thousand dollars. I'm just wondering if we should be considering Phelan lower level, It is enough to eliminate. Mortgage. I'm a lawyer! wait until it is what your household income writer on one fifty and how much other investments. Do you have not in retirement plan nothing? the only thing. That's not a retirement plan for how much money in savings in your emergency, but about thirty five bowed If I woke up in your shoes, I would write a check for the amount It will find support. I guess mortgage today and then there. I would just attack their mortgages,

debt free in a year, or so we did not even after yes, not around This is the diversion our social today that I thousand eight fifteen and intelligent heart acquires knowledge in the ear of the wise seeks knowledge, Benjamin

It concerns an investment in knowledge, pays the best interest now folks are searching for answers to problems than ever thought. They'd have problems like where's, my ex Patrick. Coming from how do I get my health insurance if I'm unemployed? How do I invest from a future when I'm stuck paying for my past? How do I get an emergency fund? What do I do? Next people are everywhere, lawgiver help and guess what you can provide that hope by the Bye hosting a financial peace university class and regardless of whether you want to do it online or you want do it in person depending on your state and how open you are, but the financial grecian rusty online virtual clashes are gone beg you can do hope from home yeah pretty easy, and we do all the teaching Christian me and Anthony and Rachel

and in that the coordinators Weatherby online, on a virtual class or in person? I have the pleasure of leading people through the process and I am really rewarding there's no better time if you want to lead a virtual financial patient first class and help others go ahead and text. The word led: F, P, you one word: no spaces, led, F, P, you two thirty, three, seven, eight, nine! That's led, F P! You too, Thirty, three, seven, eight nine! This is that I ran show Chris Hogan is my co host today on the air, the phone numbers triple light, eight to five, five, two to five Daniels, whether in California I Daniel. How are you good day how you doing great man. How can we help pay? So

first of all, I want to start by thanking you for all the teeth you brought in my life, and I we ve discovered you guys about two years in marriage and man. What is different, living right, Nick, Thank you for that more thanks, good job, I'm proud of Europe. So I made a start with the basic question than and provide you, Sir information, you need out the internet, so other question should I relocate to Minneapolis to potentially My job is to ask the question So I am currently followed. I'm one! No five, five managers in a department of about fifteen I note that we are overstocked enlargement for quite some time. The rest of my office is except for me, and three other managers were still followed. We don't know according to go back to work or not so that the basic wash

offered and they offered you moved Minneapolis than in order to keep your job to tell you that, now this position, duckshooting posted for quite some time. My job is outdoors, so we say: monopolise is quite called none. This position is still and filled I have not applied. What do you do? buyer for a national law. Car company. So you see your buyer. How can also outside you don't auto options? Precisely yeah yeah yeah convert our Europe out from an ok arm took Michigan his show. What do you make. Our household income, is about eighty five thousand, We are get free, except for the house. Our house is worth about three. Fifty pretty good,

evidently- and we owe one fifty three words one if it were my dream. I would like to live like this. If it northwest area that point not in our way. Have no family there. We have no reason to move their revenges preserving my career. We go, the wrong direction action in Ireland in California. My whole life, not to say I can adapt. I definitely can, but going here, the Minneapolis would be temperature rise. The future regulation Jus right now, our furlough Daniel. What are you doing to bring in income? right now I am just searching for for a job. I've been doing that for about three four weeks I haven't landed anything yet, though, We are on on we're on unemployment that helping, but I know that come into an ear riddick pretty soon,

yeah. I think I think. Instead, I would broaden my options. I would get on the current common programme of looking for a job job on common doc, Download his interview in Russia may perhaps, and also you know how long will send you a copy of his book. The proximity principle so what I would do analyzing. I think this is an opportunity for you to stop a lie. Times? Everyone? Does this not just Who is everyone you take a job? That's handy, it's available is layer and a friend of yours works. Churches are hiring and you go over there and shall you an end you, you know, and this gives you deposit. Go wait a minute. What I really want to do. I don't want to live in Minneapolis? I heard you say that pretty clearly I want to live, and what do I want to do with my life. Could provide an income for my family and leave

an area that is acceptable to me and arm in what do I want to do and then go invent that and go be that an go become one of those in this? Is you know you you, you weren't looking? But now you are that right and Dave. I'm gonna tell you in order to do that. You're gonna have to beat back some things. You're gonna beat back fear because its fear of the unknown you'd have to be back lazy. To be honest, cause you don't have to be proactive and make this your set. Your part time job on the weekends and in your downtime and you're gonna have to also reach out and be social. What I mean by this Davis, so much is about who you know not what you know and you need to network. We are just as not a matter of getting somebody that is all powerful, but they just get you in the door. Then shocks about that's right. So many principally that's exactly what I had to be. I mean really

And if you know Sharon Ramsay, it just gets you in the door here, then you ve gotta, get an interview because we Never one time in the history of our country made some one in leadership, hire some one of our French. No are hired a connection, so we don't play that card. Most companies, don't most people down there too smart to do that's a bad idea. Instead they get you in the door with an idea with a place to be with what you want to do and you gotta figure out what steps are to become. One of those and then I would in I think, it's time for a change. Did I'm not sure you got buying cars anymore or at least not with accompanying that's what it sounds like yeah, and you know what that's not a bad thing Dave. I think you know it gets people thinking and dreaming again, which I think is a positive and again finding a job finding some. While you're still looking is ok, it's easier to find a job when you got one germs, and the very high germ welcomed that I ran future thanks from TAT My call sure I took your call

back on the fourteenth of January I'm a baby step. Three my question to you is I'm trying to build my second emergency phone, I'm that aid two hundred and five dollars right now within. Did she fund number one of a thousand dollars showing guy letting alluded in the eight thousand. Now we need to manage when you get. You might wish to have to use our three. You combine them, so you have nine thousand too. Five dollars toward your fully funded emergency fund of three to six months are expensive right collect. Now our household income monthly, such a common depending on three times

the incumbency, like thirteen thousand five hundred and six dollars. If we go six months since twenty seven thousand twelve dollars my question to you? Is I get retirement pension, security of a thousand seven hundred and forty two dollars the molten eyes? The multiple is not of income. The multiples of expenses of expenses what should take their lot? Your household a month right now, you're income, three: four thousand forty two hundred a month, something like that. Ok, what can you live on if you had no income at all? It's not so you're gonna lose Oleson Camp. That's not the evaluation! What could you live on no income for a period of time? I really don't want to answer that question. That's the one! You come up with a multiply that times three or four six,

resolving a job like you, Davis was a pleasure is always puts us. Our that I Ramsay show in the books will be back with you before you know it in the meantime. Remember to Molly only one way to financial peace and that's the walk daily with the prince of peace right Jesus. This is James Childs producer of the Dave Ramsay show. Once again, you made the Dave. Ramsay show one of the top for most popular pie CAS last year to get your daily dose of motivation and inspiration from the Ramsay network subscriber followed today, wherever you listen, apply calf.

Money isn't the only thing we talk about around here. Get life. Changing advice on your career, for my good friend and career expert can comment on my can comment show. According to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, can com and show is for you, everyone has a sweet spot. Yours Spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is. You were born to do and then we'll help you create a plan to make your dream job a reality. You matter and you have what it takes, joined the conversation on the can com and show hear more from the Ramsay network, including the current com and shove, where ever you listened about gas hates James, pretty serve the Dave. Ramsay show this