Debt, Career, Home Selling, Relationships
As heard on this episode:
- Churchill Mortgage: https://bit.ly/2JcfkGy
- Blinds.com: https://bit.ly/35hIrU2
Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx
Tools to get you started:
- Debt Calculator: https://bit.ly/2Q64HME
- Insurance Coverage Checkup: https://bit.ly/3sXwUn5
- Complete Guide to Budgeting: https://bit.ly/3utmVXi
Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE
This is an unofficial transcript meant for reference. Accuracy is not guaranteed.
Thanks for turning under the Ramsay Show, you know we want to protect you from scummy companies, bad products and money traps designed to keep you broke check out. Our new podcast called the fine print where we do the research for you to help. Keep your money safe, listen to the fine print tat
The solutions broadcast allegorical studio, this revision is where America exiled to have a conversation about. Why facets to your life? Obviously words on your body. We'll talk about relationships, we'll talk about your word. Dreams can cope with joy by my colleague, John Bologna. We arrange personalities, and we are here for you, this our triple eight eight to five five,
two to five. The number is triple eight
it to five five too,
two five. So, let's get to the phones MO is up in milk,
I was among those mohawk a
John John. How are you our live in the dream? What are you doing
great to hear and candle within the dream. I just graduated call it a moment ago. What did you graduate with a degree of migration
electrical engineering and I found a job school and I just started about a month ago- come on man very cool Goma waiting, oh man, you're killing. How can we do you guys? Thank you guys. I have
issue, though, I'm nineteen thousand five hundred dollars and tat like the Greek.
and I do have a circulation,
on top of that, which is why I am calling my my car both down. I don't have a car.
might have had the same currency
I school a cheap fourteen year old car and it broke
down. I dont know what steps are taken that may have two options. I can stop paying off debt, which I'm currently doing disabled for a car which will take about two or three more
all my options to its fixed, the car. Now with a proper that it currently valley,
yet about a thousand boxing fixes about a hundred, but the issue of debt often is a keep paying monthly payments could fix
to my car dealers
no it's, two of which are the two options to take. Why would you have to keep
ain't. You dont have a hundred dollar eight hundred dollars in cash. I knew how to
but the issue since it, since it is an old
I've been giving me a headache for a few months now and I have been fixing it here and there
Ah, my average about three huh
Dollars every three months just fixing it I'm so I'm afraid that nothing
continue, because it is an old China will keep breaking down when I do it makes,
sixty seven right out of school. Yet how much you have saved about sets yell dude with amount of money you're making and what you ve got saved. You can go get another car that
GINO still not get. Oh, I would clarify Shirley leader, but I think a five out of the car is more than enough for you and you get a decent car for five green.
look at all the time. I've got a thirteen year old gotta, be sixteen I'm in that market right now, some good stuff out their job at five imo. Listen to me. I talk to a senior leader in this company to day and they asked the question. Should I buy this car for five thousand dollars.
What you are experiencing right now, something I experienced with you, get a college, get your first job you're, making a big boy paycheck and you go to
Everyone else has a nice car, yet the menu
like a slovak Leah and Europe,
the student or not that I'm feeling it's not that I'm feeling like that, but that is doing that. I have to keep up with my friend and I dont
silly feel I have to go out and get a nice flashy car. I just want something: reliable were adona pang of sharks. I got it
here's, what we're telling you to do you can afford it and you could keep with the baby steps and go
but you ve got you ve got
essentially an emergency fund which is out of order the baby steps right, but in this situation,
you're sure is, is something that you need
and you truly hour drive at a beater that at this point I
exist has been eight hundred dollars on a car that you know has been given you that much trouble when you got that
ash exerted go, get something that's affordable, get right back on,
the debt, elimination of snowball and crushed his is the nineteen five just due to launder suggested alone that it actually
Twenty two five and I paid off a few grandfather out of college out of my David's from that. I didn't want
keep putting more out of my saving me to the statute to leave my
those hanging you know well, but again
You got it. You got a real emergency here, ok and
we you to work baby steps away. We teach you because the reality is that if the car when fallen apart, all
it is a thousand dollars in your immersion fond and then you you're gonna, knock this nineteen five out really quick MO. Yes, sir, you do now.
any circumstance, for any reason, pay more.
Five thousand dollars for another car, you got it. Ok, I'll, take I'll, take that for sure
I know that you're gonna go you're, gonna, be tempting to say I can just inadequate
Five thousand bucks a tune,
Oh car leave
thousand dollars an emergency fund.
Go like crazy to get that stood alone paid off
then, at the end of this year, you're dead, free and you just
for a car that you want to drive around question for John you. If your name was bow,
when people came out of the house, would you yellow?
thousand. I was year one most everytime. I thought you might and I think I would choose or so there's two votes have sole aid. If my name was moved out, expect everyone to yell woke up to now and I walked into the rival. So do I love it? I just gotta dawn in Pittsburgh, Pennsylvania DAWN. How can we help
hi? I am Emily
situation, I've never been in before there be job. I took a page, wonderful money. I have started paying off my credit card details on from that can continue onward fish job. My goal is to pay off all my debt Polly within a year round red I'm looking at right now, here's what so hard having been an individual who worked, faith who use page after page act like getting, never eat something
it's coming up. I am, I
Fortunately, I like em
how they have at least a good one
thousand dollars left over
Every week I making
actually end of each
so with my expenses are paid. I have about out more of a week, I'm just so nervous to take that money and you put it on all my debt. So
I believe, a week to week basis hitting with that hard work during our one time and in making sure my back again at a much. How much did you have angrily?
it's ok, I mentioned is locked in Nuremberg. That's I John his voices in his head. Like that all the time so yes MA am, I gonna know my Candide came into the room. We only got about a minute and a half real quick. How much do you have
I've gotta catch me I'll. Thirty, seven thousand listening, thirty, seven voice! Everything! Ok, great, that everything the here's the deal,
whether you do it, you don't save it up.
When the monies come in its one of your monthly budget. Is your pudding. After all,
Expenses are paid and you
at your mercy, fond of a thousand dollars you putting around no answer you're putting all towards the debt. You're gonna knock this out really fast Don. At some point you got you
to everything being on fire. You didn't love it
scares you, but you
used to everything being on fire and you
Don't know that you, you don't believe way down there that you deserve to have all you. Do you have
emergency and its forty seven thousand dollars a debt, pay it off
and you are going to sleep and away. You haven't slept in years and then you can
watch. Two thousand dollars a week come in come in come in does not weak over it.
Oh God, halfway through this time next year you can get free, you're gonna have twice some thousand dollars in cash in the bank. You are going to be a woman of who
for the first
and then a long long time, don't ever think it on act before you know it. You life has changed for ever really good stuff. Thank you for the call really fun. I have good news. There's more Ramsay show come on, don't move.
Well, folk song by our market is fierce this year, when the market is this tie called Churchill mortgage and get the most control through their certified homebuyers programme, simply go to Churchill, mortgage dot, com or call triple eight blown. Two hundred, that's Churchill mortgage dot com. This is about
advertisements Animal S, idea, one five, nine one: animal s: consumer access, not org, equal housing, lender, seventeen, forty nine Mallory Lane Sweet one hundred, Brentwood Tennessee, three, seven zero to seven programmes for select loan types only and are not available in all states relations. This is the rams show and can come and join by my colleague, John Aloni, and we are taking a cause about your life. Your money, also your car.
Abuse in the form of your work, how have you wanna get promoted? You're a bigger shovel, well out
Those questions how many of you in a really desperate mass,
normally situation of work.
John, and I will take those quest
it's as well AAA, eight to five five, two to five,
about relationship issues, while we're here for boy eight to five five,
two to five, let's go to Anna who joins us in Colorado, Springs Colorado.
And Anna we're here to help what's up
honey I'm. So I have a question I was hoping to get on with buys all if you think I'm doing good in life
their track item I recently about a year and a half ago made the decision to leave a better paying job to split careers that the environment, because, after my passion is- and I started,
at the bottom, and I recently got a promotion is, but I was kind of a more pollution,
by making about thirty. Three five a year
twenty years later, she I'm behind her, but you haven't nicely yes, relax. The great news is this:
you are doing the work that you want to do. You know you wanna be in finance and your yon, an you. You made a switch and I get
because here's what's associated with that switch. I was
he more money over here. I'm doing
I love, but all on twenty eight and closer to thirty, and maybe some of my friends are making more money of certain requests it. Oh. What did I do want to do that sound about right, yeah, it's at so here's the deal.
Let's talk for a moment about the future,
what's the latter? Look like free forget about the timeline. I'm just talk
but the latter, what worker you do and, as you can t move up
it's that dream job for you, your professional political,
me I really like wherever or nobody one of your financial, if I ever eventually my particular
I work at doesn't have that track because these out by force, but I do get to see it and I get there to talk to
about financial measure that we work with on a fairly right
On that basis, though I'm getting into a higher learning about it still am I I'm gonna me:
Probably a shift from my company to another couple dozen. Of course us call it out you don't you,
that position your company? So that's great! So what.
do is now going to switch ladders you're on the ladder right now, you get a great experience, really proud of you doing a great job, but
eventually we're looking at. I don't mind you looking now, but you know your industry limit better. That may obviously so when is the right time when you have the right experience to make a move to to another company
or we can move into the financial visor role, but here's the deal. You know it
the visor does and you have a pretty good idea. What a financial adviser makes correct here in that field.
really good when we think about their future correct. Yes,
I have heard a lot of potential there. Of course you can crazy money, but it's not about the money. It's about the meaning. Isn't it? Yes, there would given our nothing there. It is so here's the deal you're, very
very normal Anna, its normal. Moreover, your feelings normal, but you gotta go ahead
it is not about the now. This is about the next, an idiot
That's a wrestling match that everybody deals with. I still deal that only forty seven next year is not an end
staying at just a human thing, but you got some extenuate
factors are kind of making to go a little doubtful hope I've brought you back to clarity
is this a nurse we is this in your sweet spot. Yes or no, yes, he said
are you on a ladder this guy
Did you where you want to go? Yes or no? Yes, I know, but you're on the latter.
I saw my chair letters, multiple wrongs on ladder and I got a climb to get to the top of your
climbing the proud of you. Thank you so much for the call,
the promise? You you're doing the right thing, keep on doing it. The time will come for the next step again. So help me with this to talk about finding a sweet spot.
To find out from you quit, while the sweet spot is just a little analogy that
Helps you see where you're, using what you do best your talent to do work?
You really love think about the actual work itself to then accomplished the results that you
put out into the world. So when talent, passion and mission align now
in the sweet spot, the idea being with a baseball bat hits the ball in that perfect part of the bad. We have maximum performance
so. She mentioned at the
the days about helping people in. So I was a boy
to ask you is a sweet spot? Is it about skills, I'm good at talking with people
I could be a salesman. I could go get grandchildren Ba a.
Sure I could go filled the blank or is it about mission about helping people so
could be a personal financial platter. I could go, learn the skills to work.
I see and helpful it's about all three
so let's look at talent, so, let's just say, will use Anna's example: she's we ve got on all, but let's say that an his talents are communication. That's this
verbal skills skills were anxious to verbal talent. Ok, let's say that
he's got the town of logic? Righteous are really good, analytical think her. You know animal throw one morning there. Maybe she
got the talent of
connection kind so that not just the ability to communicate, but the really connect with people.
So we got a great that's what you're really good and what kind of work tat lovely while she is,
the town of logic, should probably loves analyzing.
And she probably likes- and you know tat,
Eliza and then she, if she liked communication than she probably loves the work of instruction right, that you look at
Ok, she likes that. She loves that work. Now we got one of the results that matter you. She is really all about
service, and I'm really about solution. Oh great, so you put all that together. You're really good at this blank and blank
I'll tell you really love to do this work, that's passion and you want to work.
To produce these results, service and solution. So that means when you were,
that together the sweet spot.
Picture from all the big circle. Inside of that circle or multiple jobs and career path. She just happens to cut. I love the finance side of things, but you have
hold it up. So she's look.
But my show before I could tell so I said, you're sweet spot she's going here, because I want to use my talents, for them
Should that you're asking about for service and solution, but as in the area of finding it. So it's back out of
and ask the summit Council question what if I
I don't know if I'm talented anything,
I work with a lot of people? Think they're real good anything, I'm not here
but I want to talk to people, I'm really good ex. I'm good listening to my wife and she just doesn't or I'm yet it and, I have to say yeah you're not well couple basic questions.
Of course, a couple basic questions that you gotta answer: one of peace
a compliment to join your whole life.
outside of uncle weary and Mamma. You know what I mean and everybody Thanksgiving we're talking real world teachers, coaches right. What people couple
Did you want here's another one? What has always come easy for you that other people struggle? Ok, we can begin to see these close. We gotta,
uncover the cigar, o people always said, you're really good at people of and in
watch other people's struggle at an area, but it's easy for me, so
what comes easy for me, what do people complementary on? There's your basic clues? Here's they gotta get real feedback. Ok, you can think you're good
at it and you realize you're mediocre. Ok,
I thought I was a really good soccer player Attila aeroplane
we'll get soccer players, I realize I'm average it so so we can get clear on that by
real feedback and putting ourselves or on other people that we know are good and we measure ourselves,
it's really hard to be delusional. If you do those eggs
if you're right, but if you're really getting feedback from your closest friends who art telling you the truth and your mom
who would rather lie to you than hurt your feelings we end up with american idol moments. Were somebody walks? It thinks they could sing and when time until,
They sock.
They literally lose their mind and room. Flippin people often be baby, and even the parents are kind
like Inburst, so I was, I gave a talk here.
Asheville at an event in it ended with her
standing ovation. I thought I was pretty good and
one of Dave's executives was in the audience,
so I'm a higher that guy and
I went to the whole are went through all the hiring process for a year whatever it all that
the day says,
that's a town, we're gonna, make you and a good speaker said the other, but it gets bigger. He looked at me said we'll get you there he'll take some art, and then you look
after a group of people who are world class at what they do, refining teaching calling you out so that they are not good enough there
copy ere you have later
maximizes down. Let's get real feedback real peace-
for who actually know what you're asking them for feedback on? I don't move or recalls covered up. This is the age of
now I know not. Everyone has the means to do a full renovation, but thanks to our friends at blinds dot com, there are some small changes you can make to help improve your home. Blinds dotcom makes it incredibly simple to shop top quality, blinds shades and interior shutters from home with easy online ordering and free shipping ride. Do your door go ahead and get started today, go to blinds dot com to take advantage of this week's special offer rules and restrictions apply American here listening to the ranch, you show up my colleague, John the loading we're taking your calls about your life, your money, your relationships where you want to be
it doesn't matter what area of your life we'll take a shower
the Tripoli eight to five: five to two
I've triple eight, eight to five: five,
two to five fighter
For yourself, why Blida com is the number one online retailers, custom window coverage,
free samples, free shipping and with the new
promos IRAN. Every month, you're safe
even more make sure you use the promo code Ramsay to get the best deal too.
Question comes from Sir
in Utah I have to
as a licence, professional counselor
one- is that a hospital where I work on an impatient unit full time, the others a part time price
practice. I started last year the hospital
the work that was recently bought by new company things are slowly improving, but before this
but very difficult to work here with bad management. I've had one,
terrible reason. For years there has been height
moreover, as well. How
hold out for significant raised by new company, as well as for the work environment to improve
before I leave well. You know that the
Maastricht. On this deal, John, is when we get a question like this, and we can't go back and forth is very tough, so high level
I would give a little bit of time with a new company, because it is, after all, knew I would connect with the new leader if in
it is a new leader
the challenge, that is, if it is the same later, that she's had an we just have new ownership.
And I would say to time to start looking. In fact, I
short looking anyway, but I would not leave such
looking now, I would not leave until I
found something better or be if we ve got
leadership, truly new leadership for you and you ve been able to address hey I've been here this long as what was like really excited together here. What is the growth?
Look like we talk about growth plan, not start
but the laundry list of all the things that are awful. That's the approach their job,
whenever somebody asked the question: how long do I hold out for a significant raise with the new company
as well as for the work environment, to improve.
I want to look back at a few things. One is you're working at fault.
An impatient hospital. I worked hard messy. It's all the time it heartbreaking
Is only so much that work environment can improve its a hard job right
with somebody says how I hold longer hold out for a significant rays.
I hear in my head that when I get x amount of dollars, that's gonna make all this worth it, and it hasn't been my experience because you,
that is making more money in it.
Still really hard soul, sucking job right, so the other.
Let me mention is the other side of that. John is. How long do I hold out? You should
be holding out right for significant raised, because I got news for you if you're holding out
it's not come in if you're, not an organization where people, where were the leadership, develops, you and then promotes you, you know
the right organization and I've never seen a company be purchased.
a new leader, come in and say, hey everybody. They got a mere everybody
thirty percent re? That's our new share for town drinks on me
happens, though, by a drinks and don't give me a thirty percent rate and here's the thing when you
your check with an extra four dollars on it. You're not
suddenly go how good hundred percent right? This is a great point. I get this call daily.
can culture hey? Can I took a job for re six months ago and I'm miserable Yanina, because all
you did was get an initial high, because what we
promoting? We feel good about ourselves at normal and will
more money. We feel good
right, so we we feel some some
love and we see the love on the check that runs out pretty quick,
Ok, we humans adapt so fast that if you're going into work,
you're, not doing something that you love and you're, not
we are treated as though you matter, and you don't have a ladder to climb. I'm telling you folks its
it's only, alas, so whenever you say the words I'm gonna hold out for that makes you
put you in what I would call an imaginary position of power that
I'm I'm hold at all the cards. You you're not you're, not right, so what
somebody do here can if, after my hair, you do so every day, something up my head
what's the amount of money you want to make. What is that
aren't you gonna pay for this particular job in this particular area? Are you good enough to meet that market demand? Can you make dust of Abu Omar Monday? Think you need how much money is the skill worth
Is this your shop and tell right what is getting
a key hole here? It down
play the Good Holler. What's gonna make you hold yeah yeah? What in this budget
Geller questioned the judge business
feels like a burned out. Person has already burned, and now you got no
ownership coming it and again, I'm I'm chill out long enough to see. Are they're gonna, be some structural changes above me and I'm gonna get
experience of sea. Is this really a new day most likely it's not?
not a new day, I'm going to say this is what I do is not, of course,
What do I do with my life? I get that allow this is. I know what I want to do, not making what I want to make.
Let's look at that to your point market research? What is it? What is it pay? Do you have the
periods and the skill set to be able to do that. But here's the
before you make the switch.
do your homework. It takes you up
absolutely one day to figure out. If a company got a pretty
culture is right. It is not a hard thing to discover
dude ideal
with relationships with the new girlfriend or new husband or a new. Why? For a new what'd, you do
the jobs, never fear
May I, wherever you go, you go with you
So if you don't have a
life that is sustainable. If you don't have connection with friends and community, if you dont have Hobbes at things it bring. You joy, if you don't have your own mental health practice in your own spring practice, go work.
Place make money lose money. What you're gonna contain
the chase and Jason Chase
wherever you go, you're going with you just so Sir
while you're waiting for this to find out.
this culture going to shift in turn over, give you this,
owners time to get to know the landscape figure out the finances, learn how Utah
works. Whatever is good on your community. Give em up
other do that, don't use it.
In the corner, the arms crust
It shouldn't lasers, at your eyeballs, Adam used
there were going on you that's right right. Yet what is very poor?
point out so couple years ago we did the largest study of network millionaires. Its ever been done. Ten thousand plus network Villiers,
at this never ceases to amaze me folks, you gotta understand is the
The largest group of network Billy
there is in the United States of America, are teachers, teachers? Ok, what are this is even more fun
the medium salary,
in the United States for teachers the median across the entire?
but you sixty thousand what's going on there.
So at some point
it's not always about the rays and the money, it's me.
about hey. Do I feel, like I'm
this organization energy
We have to be a massive race. You stand.
Raise again in the United States, is about three percent or gets a standard. Ah ed. I caution people
say: hey sought out the rays it's about. Do you feel like you're growing? While
don't doing what is it? You want to do a lot
have you made a very good point when we think of this, you can be growing to happen.
You don't always have to attach your growth too.
Do we want to raise? Yes, but why do we
teachers there in it for the work there in it for
minas. Why teach this you use what you do best to do? Work you love to produce.
Results it matter to you and it's some point you can have.
say I have enough money because of the meaning and Europe
What about this extensively in this
american dream that is now morphed into virtual
you know I mean does a reality. Stars and private jets and bullying
starting to really lose fat of. The facts are well meaning and meaning
nothing to do with money. I all family,
see. Somebody who makes
thirty, seven thousand and think you are
I would be better if you made ninety two
then you could go to all the baseball games. You wouldn't have to miss the dance recital? U could slow down a load that you could have Sunday off right
instead of and on top of a hustler right, so that
It's the question. What is enough, when are you here,
when? Are you well and then plugging
self in here it here's the thing Sera, you gotta he'll man, so people harsher Jake Vantage ever yet crappy leaders don't take what they did to you, throw that on your new later he'll format. It right. I greet you, wouldn't believe how many seven figures are. Miserable studies will drop that there are. I hears Doktor John D Lenny. I can comment. This is the ranch.
Welcome back to their aunt Shaw can college. I got my colleagues doktor, John Bologna, hey we're talking about your life, your money, your work, your relationships, and I can tell you I know that
There is at least one thing that sucks and it never stop sucking that's living paycheck to pay check with the end of the month if you're barely covering
all your bills and ever getting ahead. It's like getting stuck
revolving door with your money, but you know how to live like this. We want you to stop this start, making progress.
check out Ramsay, plus this membership will show you how to make the changes you need to get the result. You, what we
If your money, Ramsay Plus, gives
complete access to our best online money courses, financial, these university and no yourself. No, your money get out of the site.
We'll start making real progress, get a free choice
I'll review, plus today tax trial to three through
Seventy nine that's trial text that the three three seven, eight and nine,
Ah this is fine, we're gonna name over their John. I guess that names. I guess it needs room irregular. Isn't that, like a magazine, Marie huh
I thank you so much
taking my colony, the magazine, partly not my magazine, aren't probably wouldn't be in there. I thought so. I wondered if I see that somewhere before. Ok, how can we will listen Murray? My call my last name rhymes to lunch meat, so you're doing. Ok,
why'd you do it I'm a bear. I treat you much meat for a magazine any day, good call that Basel Ii
So I am my husband and I are just that.
The programme running I'll leave, like myself
listening to the by catch on like I'm, always unlike the excited by distance, my budget, I guess,
sign up for the banks, must programme into the whole story. Now are you
although market dazzled, the marquise differ greatly right now,
I
is unaware and I called my real estate and can cause. I just had to know what my house is worth and basic
at the end of the day we could,
after paying heard the six percent and pay off all of our gas, which is about forty nine thousand dollars of consumer that and our cars
we will be left with a hundred and forty four thousand eight hundred dollars left bow
other people also that ok, the we would you
something for a short time. You do also have three kids in a dog, though it's a lot of stuff to do, but in a week
I'll, get a job in a busy and give me a couple
years ago, and you just decided you
there we didn't love, it came back though we were opened the moving around. If not you know it's not like you haven't done it before. I'm some would have to rent fur
a couple years until the market obviously goes down a little bit or at least levelled out?
please I we can think about thirty five thousand budget about thirty five,
How do you can forget a year if we really do our budget
Add more to our well. You could have a pretty good bible. Downpayment aware we feel, hurt you tonight.
I like it. Why wouldn't you do that?
Well, you know
For everybody and everybody that I know that you had any sense, both a great,
did you do it, and then I got my mom and she's like don't get rid of your house? You love like that. You know I I do love may have you got a lot of work to do it, but we all
oh god, at a really good, try and
like a really high priced. I just got like as a business decision. We can always make.
another house home, I guess are worries- are
number one my husband has. It cannot be line a new job,
in international business as he gets people. May Parliament Lenny has a company that you taken stuff, but it will take a couple
There is only ten ninety nine consistently,
you get another mortgage which I already know that I'm so that's a little bit of
everything and also what the house prices are gonna, be in a couple of years ago we don't wanna went too far.
here you want to buy food,
it lacks any it worried
no one knows what will happen well now observe that so the flip side of that is you'll get forty nine led. That's that's my area and but yeah I get it, but I mean I don't think this is a? U a either or wrong a right. I think it's up to what you guys decide. I think it's a I did you get fast forward on a lot of things and I don't think renting is that big of a deal I've done? It reacted three kids and a dog, but
the same time. I think you guys do the pros and cons on this, and I think you could pay off the forty nine. If you can,
put thirty five away a year, so you can lay that out well there, yet
a year to Harry you to have your dont, you and your in your house and then we're feeling pretty creditable right now that thirty five thousand is asking
without any doubt. Oh, I pleading with that yeah with us dealing with that, but definitely not gonna be
It's not going to see your story about eating habits which are taken income which gave eighty four thousand
How can we give our incomes eighty four thousand year best before taxes, I'll fucking file, yet money that we share with expensive?
all that will be to stay at home. I say
like you, I am a hairdresser but added out for the coal that I stop doing. You. People died you, but I don't really bring home Abraham.
If you can kind of debt, is a consumer that and cars
I go about eighty four hundred on my car and my home
six thousand on his and they both reliable vehicles by. I think we should keep em cause. We need a part of this area.
he's a car for work.
And I don't need you to criticise anyone who were done with
bending. Where are you pretty strict budget, but
he hadn't, really. You did
you're, not as folk. If that is indeed,
unless you're in love with the House, John, that you may differ on this, and I would probably sell the house and do what you plan.
because it fast forward everything and better thing:
Wanna stay in our house. You have to put in addition on. We want a pool by the time we can afford them.
things are done little, but we want to enjoy those things donor in. I wanna be fifty five
putting an additional have been about the time we get into the right financial place. To do that. I never knowing the future by, but
addition so yeah this year, your luck, ear, you're, getting the best above your cause, your kids, telling you is it father of three weeks
the same job I would probably can set up. I sell the house, here's what my thought is. I would put
pools aside and additions inside those who wants to be nice to have, I would say,
I'd rather see you smile
The kids go
answer: blazon you
we'll take every hairdressing appointment. You could possibly get your hands are for the next sixteen months and tell you
husband we're going into DEFCON mode. Like warning
who could solve in the hay that house or I may pay your dead off. Everybody breathes and then you get to look at the landscape. What I would hate for see you see happen. You got no home three little kids
your husband international business that pays him through Paypal dries up and
are stuck in an apartment somewhere and you're thinking, oh my gosh. What to do now right! So here's the thing that's over too
different risk profiles on the same question will hire a well. I don't know I've administrators, I e the pay pal thing or the husbands. Business goes up. It is a matter whether you're, renting or pain mortgaged, so that
That too many that fear is relevant to this decision. That can happen. Whether I'm renting yet were not, then adapt point out rather
printing. Then I would be suddenly. I lay a true exactly with all the expenses of having a half the amount of their love, my house, but if I never set foot in it again, I would
Ok, I'll knock out. I mean if, if my wife's opacity, who have the house on the market- and what did you leave it at that
honestly
I'm the one who wants to sell more of you, my husband is on board and we both have this thing.
You have the same
patience because
we don't want to run by not going to say tat. I false narrative you're going
fast forward. Your life trim
this is true.
Belonging, allows the hours left all radio tomorrow.
Allow me use why you max I'm companies their young man can't beloved, and you call somebody for quick. I know you and you're gonna ask a other people. This question
how on earth lead with a fine
set foot in this house again I'll, be fine lead with that
and so now I like it here, you'll what often start talking to people who
talk to your. Unless we understand how long will you be sought mobs dissuasion? It's your decision. It's your hubs, decision, stop talking to people to get their opinion. Who gives a crap what they think. This is a fast forward button. I press it,
and those cars or paid off ivy. Why?
all we are options make it written, go rent a house make it by making it too.
Venture keep saving money. Thirty, five thousand dollars a year, you guys we're gonna, be cool russian it! Ah this
EL planning or to leave Florida go somewhere where the housing is cheap and you guys we love you life or stay logged out of here. I'm always for the fast forward. Planning should open a magazine. She should she should bind it. I get give it away to reclaim she developmental cause. We're we're. We're going to hang on producers been he'll, take been elegant, are tall straight and social pressure and John Dolittle. My sisters have a friend or family member the needs of daily dose of Ramsay Advice and their life. Let them know about the rams. You call the day, pod cash, it's a quick of advice about life and money in under ten minute check out the Ramsay call other day, pod gas. Wherever you listen about gas,
you're right and living life just going through the motions, build confidence in yourselves and learn to trust the God who created you check out the Christie Ride, show where Christie inspires. You break through your limitations and create the life your proud to live, pale and cresty right. You know it so easy to feel stuck. You live life just going through the motions of doing this is doing laundry carpal lines and a whole list of commitments that bring you no joy. We live like that. That's why I want you to check out the Christie Right, so each episode will help you felt competence in yourself and the guy that created dear more from the Ramsay network, including Christie Righteous wherever you listened, applaud, catch, hey, it's James,
producer of the Rams issue. This episode,
is over, but check the episode notes for links to products and services you heard about during this episode, thanks for listening
Transcript generated on 2021-08-07.