I from a quarter of rooms solutions, it's the ramsay show where that is down just gang in the pay of mortgage hasn't taking the place of the Bmw, thus not a simple of short we'll people killed. While the work that they really love and create an amazing relations, number one by selling author and hosted the doktor john bologna, show ramsay personality. John bologna is my co host today, open phones aaa

two five five two hundred five one of the Ben, of the show being where it has been for thirty years in the city of nashville is occasionally we have on actual big I'm stars drop in who also happen to be friends. John rich of big rich save a horse ride a cowboy fame is a good friends are sharing my drop by and a A rather interesting story, you ve engaged in my cousin hallowed weighed on brother. Well, thank you, sir well done you are, I you are a juggler not without a doubt and have always pulled off some fun stuff. You know I've talked many times on the air and many more times off. They are about this stuff including the whole redneck riviera movement and the hope the whole process many years ago, you've written and produced the songs and multiple multiple number ones. Over the years. Many years ago you moved away from the well the industry,

the industry's radio industry, the labels, the publishers and all that and and the world there were in today, allows you to do is get direct access to the consumer. random. Consequently, you wrote a shop, so micro and your this. The last time we talked the other day about this and wrote a song santa has got a dirty job that went to number one for about about one hot minute, yeah back at christmas, and now you've got another number one without a label How do I know this right? Well that the people are responding, which is a great thing to see. I was just struck by the intense irony that the things happen in our country right now that are so negative or being perpetrated on us under the banner of the word progress, This is a progressive idea. This is progress, said trust us it's going to be fine, what's an gasoline through the roof, you need to be driving an electric car anyway. Trust me, it's good for your progress progress and I thought men that is

that's the opposite of what I would call progress. The things I see going on in our country, so down, and I wrote this old three minute straight ahead: country song called progress and ivory. it actually beginning of the year, and I waited to see what the summer was going to look like, and I said, poll that came out in early July. That said, eighty eight percent of americans agree now at wow, that's statement under its own. They agree at the countries on the wrong track. I said eight percent of americans, us it. That's conservatives and liberals and modern, that's everybody. I said it's time but the song out so instead of with the regular big platforms twitter, but can you tube out with true social and rumble, which are so much smaller than the ones I just listed, obviously their fledgling level. At this point, let's just see if I can beat the machine, without using the machine. Let's see, if it's possible to do it, we put it within six hours of it coming out? The thing was the number one most downloaded saw, not just in country but in all of music, and it has

there too, this very I can still sitting at number one and there's there's like liz own and billie eilish and harry styles, and the biggest artists in the world are down below me. I don't have a record deal not number one, because I'm singing it. I can promise you that it's number one because of what it says and it's it's connected with it. I want a very deep level and people are sharing it like crazy and you got a lot of media at lotta lot of people. A a story story, you done it without a life, oh, but also the the statement in the lyrics progress is not progress. I mean right, hook line is stick your progress with the sun, don't shine yeah, which is a that's about the nicest way you could say that day. If I didn't cuss at anybody, I didn't I didn't do anything careless, not like a kid rock song or something. I said it in a in a nice country, boy kind of way, but we've had enough in a song, says a sticker arrests where the sun don't shine, keep your big mess away from me and mine. If you'd leave us alone, what we'd all be just fine, so stick your

progress where the sun don't shine, and I think what's happened is the moves that have happened recently have step so far outside of political differences. It's more like just personal use, to do this or you can't go to work. You have to do this at your where the parents, when your kids are at school, not you we're going to your kids, what we wanted to know they stepped into our lives to such a degree under the and progress for one. I'm just not going to accept that not push back with this song and it seems to be becoming quite an anthem for people that feel the same way it. especially devastating for dave he's a huge billie, eilish fan, no doubt, and so he can't wear a shirt around right now cause massive shaves good time. His massive harry styles fan totally just

watermelon sugar. High all day all day. I have no idea who that people are you to know. I've got a middle schooler, otherwise I wouldn't either. I do know who John riches, that it's battle and man it's it's it's still at number one, but these artists, these artists, that are underneath me they're one hundred times bigger than me. So this is really as people who were less than right now. If you want to you, want to see that sucker stay at number, one, it's a buck. Twenty nine is not a big thing, go downloaded on itunes, and if you want to see, can you beat the machine without bending the knee? That's what I wanted to find out and thanks for all the but we ve been able to do it now, there's theirs a whole bunch of us figuring that out right now, because This idea that you will comply right. to the mobs mob totality totalitarian rule you will comply with virtue, signalling and if you do not

What we will squash you like a bug right eye, is a very real thing out there. Yes, and it's something that everyone that in the public are navigating Companies are navigating it. People that are in the public are navigating it. Where ramsay, we have to be wise and principled, side which fight we want to pick. Where is it we want to stir up a ruckus, you know and we won't be intentional about it and low. But yet it's it's lot different than even three years ago. Even five years ago, the environment, the toxic environment and the culture is out of control agent. Let me ask you this. We have one was common questions. I get from young authors, people who want to be songwriters. How do you do this and how do you write something everyone thinks she got to have a deal. You gotta go with the big machine. You gotta go get a group of this that and you had something that was on your heart. That said, no one put the one. I want to put this out there and obviously you're good so singer of summer. You know that the the recording process works, but you- tell that young person with an idea who

thanks. They have to go this court what tradition or out too, make it to be heard to to do what I wanted to say what I want to say. Well, I think, days, one area we have roots now to get directly to the people. It really comes down your content. That boy you, if you come with something that you could be somebody we'd, never heard it before. But if you come something that is, that is inspiring enough that hits hard enough in it. Are getting past around. It can turn into an absolute avalanche of alleged. Let's far the song we want here as we go into the brain

is a country where it's hard to be no real debate. It rains drew back, make amerika it. That's. Why you're here

the last couple of years, real estate market's been tough. We've all felt it if you're scared. Well, you don't have to be. The market seems crazy. It has slowed down, but it's not going to crash if you're ready to buy it's a good time to buy. If you're ready to sell good time to sell it, as wild and crazy and white hot, as it was a few months back you gotta have some by with knowledge and skills, to help you navigate this. This is not a mature our! you need a high octane high protein real estate agent the house right now. This is an excellent time to list the house, but you need to get in touch with one of our endorsed local providers that are ramsay trusted. These are There are high producers, they know what's going on, they got their finger

the polish they're, doing lots and lots of transactions every month. It's not charlie, who just got his dad gum license? Don't list your house with your well Charlie, who just got his license. That's dumb, because you're going to put your largest asset that you own, with a newbie with a beginner. Don't do that get somebody that knows what they're doing ramsey solutions, dot com, slash agent, get with one of our key I'll pleased that a ramsay trusted ramsay solutions, not calm, slash agent lisa is and grand island Nebraska highly, so welcome to the ramsey show Thank you. I can honour to speak with you too much. I have her I have a maybe couple questions tonight, I'm sixty and he's sixty three and we have booked thirty. left on our mortgage and I am wondering. If we could. I take fifteen

and out of our rights and getting thousands. Five for a while one k to just kind of The band aid off. It is in your roddy, hungry, asked now it's about five hundred and twenty Take it all out of the roth. oh I'm, a formal one carriers is. The answer is that twenty to twenty two thousand years younger and then the balance on the mortgage. Thirty. He asked, Well, you got my savings, this not in retirement and get some day how much is an ar fifteen. I probably clean out that roth just for simplicity, okay, twenty two of it and then put rest out of your one, gay and you're going to pay taxes on that, but no penalties. Ok and I'd, be dead, free, like by the end of the week,

oh right because might by visors kind of thinking that we're not going to have really enough to get us through. thirty thousand dollars, keeps you from getting through when you have five hundred and twenty five thousand in your account, your advisors, an idiot I feel much better you're, not if you're thirty thousand dollars off you got other problems I like a great gift. You could provide your own adviser would be to swing by a cvs and pick up a calculator, when you go visit, you can just hand that, with a bow on some old fashioned thing that people used to use, Our question that I come from blinds dotcom, find out for yourself. Why blinds? Not com is the number one online return or of custom window coverings, free samples, free shipping, new promos they run every month. You'll save even more use a promo code ramsay to get the best deal right. That is clear.

Then comes from jason and texas, Jason wright's. I've been a huge fan for twenty years, but have not been able to implement any of your strategies because just take a pause right there My wife thinks tithing in the rest of your methods are too restrictive. She stopped when a church long time ago and refuses to forgive me for things that happened in our past. The mr, that I've have consulted with say, she's emotionally and spiritually abandoned me years ago. my eighty year old, watches your videos and loves them. She keeps asking why didn't you and mom do all this stuff. It seems to work really well, I'm trying explain why but don't want to throw her mom under the bus is a way of fifty two year old can start over in life and help a daughter be a calm. All she can be. Oh yes, all turn out

I don't want to minimize jason and anomalies your pain here. but your daughter really needs to quote are in she needs you to take ownership. you look back over your life and it's because your wife did this. Your wife didn't do that because of this would she needs you to say. Is I didn't I some choices along the way and here's where I find myself and here's what I'm going to do with these next steps and here's what you can do to and there's something about that ownership. That's really powerful! So Sounds like there's a chasm in relationship. Is this twenty, for ultimatum like you, go see a marriage counselor and you say

we're going to go, see a counselor and if we can't begin to get on the same page and resolve some of these things, then we're going to call this it it wait rights is, is there way to start over? I was just assuming that they tell us they've called it. If it so it sounds like he has. The ministers have given him permission. If in his mind right- but I don't think he looked at her and said this is done- is done for me to be lifted. Unless we can heal, this is done You see, wrote chance of healing or yeah I mean if somebody if, if your spouse left you emotionally and spiritually and physically years and years ago, then, these kids have grown up in a home and that's their picture of what love looks like a surplus what marriage and partnership and communication connection looks like and so healing starts with. I didn't I should have had a hard conversation a long long time ago, and

is the law that I think that basically they ve been divorce. They just need to actually formalizing. They d been divorced for a long time. They made a formal they ve mandala modeled. What that looks like to their kids, it's a start. Ownership pearson choices. I didn't make a long long time ago, and here's the more importantly or as, Fourthly, as here's, what I'm gonna start doing now, and I love you to join me- I think I think it's that complicated that hard and that simple now, when we went through banks Jim lost everything. Yet terrorized me and traumatized sharon and so. A thing I did that she had to forgive me for in a sense, I basically Should I always laugh and say she thought she married sir galahad turns out it was goober, but but that's you know the. The truth is she was left with situation, but I was not going on normal, but I theirs

period of time that we can record nice, the terror than she felt the trauma for having little kids and no money in the watergate turned off cause her husband's, a buffoon right. Ok, granted But five years later, we're not we're all talking about that, choosing to choosing to stuff around stuff and I'm not gonna, I'm not going to be at the other end of that weapon. Infinite. Em right. Why did I say I'm stay as I do twenty years ago, you did something you know for four years of that? Every after four years is your fault or if, to that thing around, though you know he put he and accepted, the perilous of the household jesting years longer than it should have its right. You should have dealt with her. Long long time ago, lack of healing- and it was not that she didn't have a what reason for being pissed, I don't know what he did, but I know what I did I lost everything it. My fault

I had no idea what was going on. It wasn't her fault. I didn't hide it from her. I didn't ask her and she unknown and so she left feeling you know like you're driving down the road and the night and you hit a patch of ice in the car starts. Spinning a you know: you're going to hit something you just don't know what or when you know and that's where she was for a year and a half period of time as we went down the the the the toilet financially and round and round we go you know and so yeah granted. And today even you know, we've got action balances in our relationship in place so that she's not left feeling like I'm somehow out of control it. thirty years ago and how was rachel when all this happened born baby shoes baby, so

when I think about my friend rachel we've talked about this, when she has a emergency fund for her emergency fund, their seeds were planted in money, could be scarce or monies of thing, and that's those were long ago right to draw attention from her mom sit with your daughter and have that conversation right here, jason back when you take ownership brother time past time to take ownership. This is the ramsey show the

doktor john bologna ramsay personality number one by selling author is Michael hope today in the lobby of ramsay solutions on the dead three stage, Lorraine is worthless. How are you all right? I'm? No, but I am good I'm I got this. I got you got it. We ve never lost a patient. Ok, you're gonna be ok, so we're so glad you're here likes for common. Where do you live? Thank you im from l, a california, oh fun, welcome to nashville how much debt did lorraine payoff. I paid off. Seventy thousand dollars very good. How long did that take? It took me three years good for you and your range of income. During that time I went from two nineteen to two thirty four. What will you do for a living

I am a heavy lift operator. I work for the ports of in long beach to the city of San Pedro for company call called piel yo so you're sitting in one of those cabs lifting those cartons on and off the ships. All day you have had a boring few years. Huh it's been hectic. It's been crazy, yeah, the last few months trying to play catch up, yeah, wow and a lot of work. Have you ever dropped? One? Yes, yeah! just need to know what was in it actually. I am not that but the whole machine tipped over? It was too heavy, the island. With my way, oh yeah, I had a risk team come and get me out. You in going to drink it when the water? No no no was on the it was on the yard, but with not faith

What stories did it fall over this? I go back to the debt in a minute yeah. It was about. Oh, my goodness. I wipe high. she's the reason we can't get glass it without was the one full glad I was full of fanned. It was gravel all that's wrong alone, airily heavy, and I thank him up. Therefore, Thirty feet high each cancel. I did. Oh, my god it was it's pretty high. Is it's pretty high it wasn't a straight drop it or like a tree. Oh my god. which you're back in they're, going again going again? So was your seventy thousand, so I had credit fever. I had a big relationship with my credit cards. credit cards, toxic relations, toxic talk, abusive realize I add to personal loans. I had a car loan

I paid my son's tuition on a monthly if you were just kind of normal, I was very hundred thousand and very broke so What happened? What woke you up, I just I just bought my car I was you excited going through the channels. I stopped listening to music- and I said I'm just to you- know radio, podcast and stuff like that, and I actually Lee heard you on one of the station. they are you sick and tired of being sick and tired, and I was like what what is he talking about like switched it another time. I heard it again and you said: are you living paycheck to paycheck and I was like what and I such did again. Who has got bottle now? I wonder why we ve told you do me a loner, your room and then the last time I heard you, you said in almost

guess: don't even have a thousand dollars saved in their savings, and I was like ok, He knows too much too much. He knows way too much about my life like this on me, and I thought I today are shooting sizes. Nine new car has aspired thing here. It's a tesla feature. I tuned in- and I said: oh my god, all these years, I've been doing everything wrong everything I was told the more money you make more money. You spend more money the more money you spent and the it was my. It was her mother's voice. Did you hear I heard it? I heard it actually. That was my dad's boy. Oh, my mom was that as a high voice, my mom was a frugal when she was like a dad. the devil- you know, don't get. No credit cards. That's horrible! Don't do that only like that? Okay, so she was, you know, a lot more Okay, so you start listen to the radio and that that kind of you start going. I I've been doing this all wrong. Then what did you used to get

abolition more or you got the book or what you do. I got the book. During my goal: yeah. Ok, oh yeah! I I thought I gotta go get this book. I need have read it. I this guy knows what he's talking about. He knows everything about everything that I'm not your yeah It became my financial father and you know- and I just said wow like I never you know dad. Never really talked to me about finances. We were raised, do as you're told and don't ask questions so I'm hearing you talk about your kids and how you know ray is rachel and how rachel's like me, I'm rachel like I'm like, oh, my god you'd be so mad at me, plus or minus being in a tower. Look like father's day would be so mad at me. Right now, I was like. I need to make him proud. So now you did it. I did it. What tell people the key to pay off seventy thousand dollars, if I get on a budget

I'm getting on a budget was new to me I knew how much I had to pay, but I never knew how to get it done and the book just guided me and it took me there and about a year before I almost I finish. I wanted to be debt free by the time I was fifty, but you know life happens in a lot of things happen in my in my family. That held me back. Oh, I ended up I'm going into your website, and I got a financial coach and she was excellent, cynthia stringer she's watching. I told her to watch me where to go shows the the most beautiful voice, very calmy, very soothing. She became my financial therapist at the end, wow and I or about how I fell. I To be honest with you, I didn't cut my credit cards until I was done because I so attached

yeah. You do have a wicked relationship. Yes, I will you ever go back. Never you sure come here. They were abusive and now I did I five children at home I have. anthony, reuben, Alvin, Emily and and alina, and they look at me and we're all on the same page now they are all way, but than I am- and they are- are yet their emergency fund dirty already at ten thousand, so they're doing great And you know they're only working, you know job here and there and they're doing amazing, and so I owe that to you, because you change, my family tree. You do while you're at with your steps and you're not and you're you're used to lifting everything's, but you lived a whole life change. Thank you.

important. Thank you and don't minimize. I watch my mom do hard things from forty to fifty and it's changed generationally. My kids are different because of the work my mom did when she was in her forties and your kids watch that happen in your grandkids are going to pick up these messages about freedom and living without this debt, so good for it's been the took ten years and you in entire legacy idea. I did and I'm just proud, I. I have more thousand dollar save. Now and after my journey in in january, I had a I've only had the stone issues and I had this huge kidneys on. It was like an inch and a quarter. And I had already saved some money in my merchants who find- and I was off for a month and was whistling the whole time. I was just you know

covering at peace and it was beautiful and she becomes an inconvenience she when you got your crap together well on corral to credible, dies, greater amaze. You now we ve got it, be a baby steps millionaires for you, that's the next chapter in your story for sure, and copy. Total money makeover. You can give that away when you're talking about this some time- and somebody says how did you do- that total money makeover did it for about eight million people by the way and financial peace university if you've not been through it? Yet we're going to give you a membership for a year if you have been through it, give it to somebody the brand new videos on the course plot into the community. There you get people around, you like you did with a coach and all that changes. Every seeing in the whole process, its pretty pretty stinkin incredible show so proud of you get out well on well done, seven, thousand dollars paid off lorraine from los angeles three years she didn't making two hundred and nineteen two thousand two hundred and thirty four

She changed her whole life, canada down. Let's hear a debt british green, three, two one, god

powers of show that I as a forty one, two and fair, not for I'm with you ve, not dismayed for I'm, your god. I will strengthen you. I will help you. I will uphold you with my righteous ride him Eleanor Roosevelt said: do one thing everyday? That scares you every time, I'm on the air with you dave If you're on the air with me there you go yeah, hey and by the way. The last time I was on the shows, but rachel, I'm glad you preface this with the scripture of the day and this the You know, there's a bunch of different segments here and I didn't realize what segment we were on the last one all sudden rachel starts talking in this old Isaiah old, intimate language and I heard

If you ever feel sad- and I was like what's happening- I started to quietly look and I know it was happening, and then I realized she was reading scripture that it was fantastic. So thank you for prefacing for everybody that we are losing a patient. It could happen bells in scranton, pennsylvania, hey bill. What's up thanks for taking my call question is my wife and I have been in baby steps three b for almost two years. time set timer same home. We tried a second child and for being 3d three was cuz. Our house was getting too small, I was trying to say about you, you're the stables where we're at and looking at the route of addition at the saved up. roughly seventy thousand dollars, and we have about a hundred and fifty. You know current home that

now that will not selling assuming you don't have access to so just looking to see When can we It's best to get the naked at home renovation. In addition, and one to his daughter, are you going to spend on the addiction sex a lot? figure. The addition would be left about a hundred thirty thousand dollars I'll catch you. What's your household income, my wife, one hundred and fifty thousand dollars and what's the home, lay worth today lovely three hundred. So what do homes on your street generally sell for so. We want a smaller homes in our neighborhood and our street houses range from three fifty to four fifty. and you've said

Current home is worth three hundred like you know, working with the market now ok, I would not renovated. I would sell it yeah, I natural your original idea two years ago. Better, I do, but why we going to spend two of your life in Hell. it's called a renovation. Its per satori you right next door to hell and it's not But you can see it from the end. You can hear it and on top of it, at when you finish? If you do a good job, the design and that's most of the time, a big iaf because you're good, ray to change this home by thirty two forty percent of its structure right? That's such a large renovation. That's almost like building a house.

The chances of you doing that with good architectural done. The house isn't just weird. Fairly low it's very to do what you're doing well very hard. and if you do it well and it all comes out perfect after you go through the two years of hell now The most expensive house in the neighborhood, which is never where you want to be at the top of the market, so I woke up in your shoes sell that sucker to buy a house. It's got the stuff in it. You want in a neighborhood where you're in the middle or the bottom, half of the price range where you can get the most future appreciate, Take them equity out of your house. Seventy thousand, but it now takes a fifteen year fixed rate where the payments no more than forty fourth take home pay, and I would move to a four hundred. Your five hundred thousand dollars house, you make enough money to do that with two hundred and twenty thousand dollar down payment for sure and guess what We have to go through two years of Hell.

I tell you, man building a house is difficult. Building else, while you're living in it. is grounds for divorce. I mean it's just it's it's chief. We can have a big fight hanging curtain rods. building a whole had no. No, I would not do I I would not do it. I I am am I am I bit. We're about advising against this. Before we vote, we go this discolour. What are your thoughts on renovating a home, yeah and to sell your house man? I tell you the other thing is I we've done light renovations a couple of times like what, while we were gone on a two week trip or something they would come in and tear out a wall and redo a bedroom and changed carpet out and put hardwood down, or something like that. I mean you know, but you know some substantial renovations but not not major knockout entire things where you have to move out the house kind of crap and you don't want,

about six or eight months after a finnish that we move out there. Just I have I have up yeah. I have a thing. Brandons weathers in idaho falls high Brendan. How are you. Doing! Well, god, how can we help much? preparing the liberties and a little over a year at what we now Our position to the start, selling things would look into long term storage. What do you want to do with him probably store them why? What what what is so valuable about? I couch oh yeah problem the couch, but I guess okay. Well, there's there's two categories of possessions. There's grudge they all crap that europe to pay money to store. that you should have sold and then

are things that are family, heirlooms or keepsakes that you would never want to get ready for any price whose, but I pay storage fees for a used, couch kitchen table. We just get you another one light. Unless it was grandma's kitchen table did I did one time me and I put a couch in storage when I was in an apartment and a year later that guy hit fifty bucks a month. I realized I'd paid. Six hundred, I mean I paid more than a couch was worth back then was so ridiculous man I'd pay, I stepped down as bare minimum as you can and get rid of it, and if you have a few things that are legacy pieces, then hang onto those yeah or stuff that you know that that you, Well I mean there there needs to be a real reason that it can't be replaced with a better one, newer one when you get back along your gum, be gone for at least five years You gonna mission failed mission field or what working just working her admiration as it is what what

you thinking about storing what what do you want to keep do? Vehicles I think that would be a little difficult to get right immediately. What will happen don't don't keep a car in storage for five years in the classical depreciate? Often under you sell it, man nature The car that you have no, how little golden so it's already twelve years old and lonely, go back. It'll be seventeen year old car, yet that is not and that no yourself man, so that no show that for sure it there's no there's. No, if there's not a sentimental, a deep sentimental On something, there's going to be very few things in your household that are not going to be, ridiculously outdated. When you come back in five years, five

in our world of rapid change. Is an eternity can you imagine getting tv out of storage. That was ten years old. Have you seen five year old pictures of yourself five day, of me, look it's a shame but yeah The thing I mean Fabio pictures of your kids. I mean Thanks change that you fabulous anything it. Everything is. yours is ancient for most thanks. No, I would not hardly keep anything here. There is an import think have some money so that when you, when you start planning on your return, but money away so that you can sit with a sinking fund. So you can walk land here and go by car, money from your stuff and stuff and parked money. The money can sit. There won't deteriorate very assuming you don't put it bitcoin I mean, but other than that, it's up and with partners.

His account it'll be there when you get back, buy another car and you'll be pretty close on a good show. John thanks for hanging out Weldon will austin benzac Andrew James in the booth. I am dave ramsey. Your host will be back with you before you know it in the meantime, remember, there's ultimately only one way to financial peace and that's the walk daily with the friends of peace prize to the dave. Here you can find all of our shows with the ramsay network app on your smartphone. It's the only place to listen to the entire back catalog of episodes download the ramsay network app in your favorite app store today, the if you enjoy this podcast, you should check out other great podcasts from the ramsay network like the rachel cruise show. Money should be fun, not stressful. I'm ready to cruise and I'll show you practical tips on how to save money in your everyday life and get out of debt even faster on the rachel cruise show I'll show you that you can take control of your money and create a life. You love, listen to the Rachael ray show wherever you listen to podcasts, hey, it's james producer of the ramsay show. This episode is over but check the epic.

code notes for links to products and services you heard about during this episode, thanks for listening