On the headquarters of Ramsay Solution broadcasting from the dollar car rental studios? It's that day, Ramsay Show where TAT is DOM casual gang of mortgage taking the place of the double you as the status symbol choice and they ran through your host. Your job on and we'll talk about your life in your monogram empty personality. Chris Hogan is Michael host today, here on the air number one bustling author of the book.

today, millionaires and another one called retires bar both number once we're here to help you with your life in your money, triple eight eight to five five, two to five, you jump in and we will Joe starts is often Boston high Joe Joe. How are you today? I could tell you better them, deserve man. What's up are they gonna call? I'm actually are in the process of getting ready. Retirement age, sixty my wife's fifty nine, where in the last five years and were actually in the process of downsizing homes in Bergen split Homespun, in Florida, where we just purchased a home for cash and answer your home in Massachusetts. Smell retirement I'll? Never them snowboard the two houses boy you were doing. This is actually having a house built in retirement community up here. That's gonna close in March

Colonel civilian will not be closing until June, and so we ve got this but of a gap period, were the equity in the house. There were currently and will not be available to be put towards The new house when we finish this? We won't have any mortgages whatsoever and I'm trying to figure out whether should take a mortgage on the new house, which I'd be paying off a very short period of time or using another sort of dead, nourishment like But could you wanna credit Something else might help push for those two or three months since you to pay a very relevant No, my closing cash right collect. MIKE. What Ilona will allow you to do that? Ok, no closing cause and effect right and no balloons on that homemakers alone cases drags out further than you think it's going to, but you just go. oh my god alone, it's a little scary. I wish you'd land shop in a little different order, but are but because sometimes you,

don't work out, like we think they're going to show you need to be. Financially and emotionally prepared to own both these houses for a while, if that happens, We want more, she blushed and we can do that. If that happens, some were somewhat cash lying around. We ve got three fifteen cash in around total net. What about four point? Eight million where's the rest, the money, point six million, taxable three, fifty of its course towards the stocks. How much you know? How much is the beach house? What are you all right by not selling your house and what you're gonna borrow? So we'd be boy Polly that three hundred just take the other one point: six is not listen that's not an retirement again! They just take a logistical. turn that yeah you're not going out so that we shouldn't be a ton taxes on it, in a retirement account what taxes will be on adjusting

we in capital game gambling, yeah yeah. I take enough in his pay it off Let the heartbeat there's no chance for the four point: eight million dollar network them borrowing money to buy a beach house now may not a chance. Issue. Show me your money, that's what it's four, and yet you may cost you a little bit of capital gains money. This is watching do just like that tax efficient way to do it. In other words, what brought which pieces of this and these investments do you have that have the highest basis, verses their value, so minimize your capital gains for Belgium. You cash out the thing with the least we gain and other can get some tax advice on that walk you through a dream. Prophethood yourself, you shine like, obviously you and your very sharp, but now I'm not gonna, take bar monitoring at four point. It made on our own million six available to you. That's Norman Retirement accounts, nope know, and you know they ve. You been

the whole thing about timing. Its crucial member working with an entertainer years ago that had a home and allay and another home was gonna clothes and they got the short term financing for two weeks and guess what it took two months for this thing to go through. So what I would Everybody is just slow down, slow way down. Look at it. Do it with a clear conscience: do it the right way and, as you said, Dave expected to take longer than you think is going too well and that that that's what I'm doing your situation Joe? I obviously here you're, not dumb gaming. You get four point: eight million dollars dump people. Don't usually do that. So I met a few, but not many, and so I think you don't do fine, but that's what I would do if I woke up in your shoes and I'm in the situation where my net worth is greater than that and there's not a chance, I will borrow money. We have got taxable even if I'm gonna pay some taxes on it

Don't do that rather than borrow Monica support. Item borrow money period. So that's what it is you allergic you couldn't do and I couldn't do. It was just not an option if it's not even on the table, and so is everything I run into anymore happened Joe because he's not, he is at a different level, but sometimes when people get any situations where the house I was talking to a friend of mine, just say that I just happen. He he closed on his new house and the other house was pushed a close two weeks later. The old house. Well, the buyer, gets all jerk a fat and starts in every nit, picking little ridiculous. an cacique put himself over a barrel. He ended up having to bow down to have ridiculous buyer requests at the last minute, and even even growing money and possible price cuts and other stuff because he was stuck, he put himself worried, had no walk away power when a cut.

Oh, that bar pound sand the throat and get sixty three other buyers in line, because it ain't like national Rail states hard to sail right throne, but when you ve got other house closed and you got the money for a short term he's over a bear, Ultra Vires got him by the throat yeah sure going can misbehave all over the place. Now. Don't think Joe would allow that to happen by now, but this guy this God and he stood up and he just said no luxury I way or we're. Gonna drop this whole thing I'll start again, but what a veto buyer off because of virus misbehaving. Let's go start again and what was possibly a two week deal like you said: they are two months or sometimes a two year. Could sometimes things like pandemics come up This right in the middle of your best laid plans right down so yeah. That's the thing you put yourself in in his case to not in case both cases, the guys The money, but they just

yeah? How does one you ve emotionally sold the house? The guide starch been at work and you, like man, either get started. process over with no bar put up with you. Ok I'll. Do this thing you ok I'll! Do that thing in all sudden, you just gettin you couldn't jerked around. Could you put your a position emotionally in nice and may be funny, they for some. Oh, yes, but you just like What has it that you be gone? No, I'm done way, powers imperative change in art really is phased everything you just changes the flavour of the deal train The way the thing goes down, if you're dealing and strengthen you can be calm and kind and gentle but an end, but firm, but you won't get run over go if you, like my mama furniture. Why feelin studies on the tracks? Now we are now porn or change,

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this deal expires on Friday that simply save direct dot com. The shotgun Ramsay personality is Michael. Those today here, on the day, roundly show, coal is weathers and North Hampton Mass Hyena call our you. I'm feeling very great boy get to you too. can we know oh, I am turning twenty three with what which is causing to evaluate you know my long term financial goals I, which I feel pretty good about for myself. I'm no longer implant. I after taxes I make about sixty

when an I'm able to save seventy five percent of that between MAC me. retirement and then putting the rest in an exponential taxable brokerage. Now. My question involves making operating my financial plan with my my mother and my my sister, who I'm on sixty backs and she's collecting social security she's wanting and doesn't have any would harm is we shall have no doubt then so afraid of it, since two thousand eleven bankruptcy bankruptcy that she had. She still works as an attorney part time and should also my sister's caretaker who s twenty five and suffers from by poor she's currently living on disability and, as you know,

and shall ever be able to make income is equally items is looking for guidance on how to prepare financially too. My mom count more forever to support. My sister has jobs, both I just want to know how the very best prepared eventually, when I put them both your heart. Well, well, the only people that can help the weaker

wrong and so the stronger you get the more help you can be financially ripe and strongly. I get spiritually and emotionally the more help you can be there arm. Let's pretend that you weren't here: what would they do May I have your sister would qualify for disability that would give her the ability to live with your mom's social security and the low rant, and they would be ANA Beans and rice, rational beings, budget and they would make it ok is. Then you are correct answer you think, there's a little factor in my mom is capable of membership.

If you weren't here yeah and she had to choose between feeding herself and your sister and her little spending problem, I think she could make that choice. She's an attorney she's, not dumb tracts, guess so, let's hope or make those choices and then you're off the hook. You recall what happened where you all the sudden felt the weight of all this on you. All my sister has had what's come up very rapid spike, allowing man I got his boots Andrew. She has to be asked what I'd like four times in Spic buttons and

pandemic environment where the entire cultures depressed didn't help now, and I want you in the heart that you have right now. I want you to sit down with your mom and I want you to have a grown up precision, I want you to let her know and let her see your pain, see. Your fear see tears if she needs due to be able to hear you that this is what your feeling and at twenty three years old, you don't need to be feeling this way and so on, but I need you to be mom cause she's, intelligent, she's working as an attorney, but you need to know

yeah, you, you gotta, take care, you and I'm gonna take care of me, and so we need to be more than you're gonna have enough Monica your saving like a maniac, to be a little bit of a backstop, but I am not going to suggest to you at twenty three years old that they are your financial responsibility, and so they can continue to misbehave and not with our spending and not plan and not talk through what the reality is aunt just because you're there to ride checks. That is completely I'll be in toxic and Europe, for you are feeling the weight of alma that, because there is a little bit EU that goes, I wouldn't have to do this. A Mamma get her crap together.

You can't do that. To me would be it's not fair. It is, I think, I'm not sure how I would handle like not doing everything I could to help them. Even if it is like a talk to situation, you know well, that's called psychological boundaries and if, if your mom's doing cocaine, you don't buyer coke

that's a psychological boundary, arms misbehaving and not dealing with realities and you're. Neither you nor because, basically, now we're talking about your being guilt trailed by somebody or by your slew it myself, yes, mocha! So here's the thing your obligation is to do what you can if you are actually helping. If you are participating in their misbehavior, that's not helping. That's called enabling, including making sure that your sister is dealing with her issues and getting all the help she can and doing. The work that her therapist s for her to do and if she's on myths that she's freaking taking her meds, which bipolar Maddox sometimes.

of aware? Ok, ok, you got do her part mom's got into her part, and then you can be a backstop if there is a bigger thing than the monthly bills, but I don't want you to set yourself up for twenty three with a lifetime of paying bills for people who won't behave, met all. Have you paid for things for your mom, I'll pick up bill here and there sometimes. But if I would say it's infrequent, you do I mean I'm not trying to be me. I'm trying to set you free and give your mom and your sister the dignity of dealing with their own thing, and then you can still stand on the sidelines and say if I need to reach over there and help I'm gonna put myself

show you a place to do that, but if you get Nikkolon dived down to nothing in your worn down to nothing and you don't have any life except working to support these or other to people at twenty three years old? That is not only to equality, life or them no one. Gonna win in this scenario, and so I like them would you be able to stand on the sidelines strong enough that you can reach over and help them when the situation is healthy for you to help them you gotta, be you need to be daughter and sister, not the parent, not mother and mother. That's right! The cold! Thank you for reaching out young lady. You can hear the pain and the wave your heart. I hope you reach out and talk to someone, but, more importantly, Saddam had a conversation with your mind. You pony scenario: pasturing gets going you're corner as well. To give you some emotional support, while you're making these decisions hang on almost into Henry Clouds book boundaries, because you do need to read it and you'll be helped

to you, they really will, and so I hang on open phones, a triple eight eight to five. Five two to five money is only good for three things: buying stuff for yourself: lifestyle, investing and helping other people generosity, and so we all unless you're just you know a jerk want to help other people. The trick is how to help other people in a way that is up for them. rather than participating in the sandy and every one of us, you and me included- have the potential to be in an able or where the potential to participate in someone's misbehavior, causing it to continue. That's right rather than participating in the healing, and sometimes that means are not paying that bill which were so someone that stuff they need to deal with. to move on and get into other situations, and I'm not talking about bipolar, I'm talking about the being on a budget and mama

were spending some stuff like that up so hard This is the direction you would trade, your education for anything, but what about

stood alone that well that's gotta, go as flash Financial can help splash financial help. You save money on your student loans period. They give you access to the best network of lenders and the technology to quickly get the best refinance offers that suit. Your needs take advantage of. Historically, low rates with splash financial low rate guarantee, you can't go wrong sign up today at splash financial dotcom, Slash, Ramsay because I'm gonNa Ramsay personality is my co host today here on the air open phones, a triple eight, eight to five five, two to five. Our question that I come from: blinds dot com find out for yourself Why blinds dot com is the number one online retailer of custom window coverings? You get free samples, free shipping,

with the new promos they run every month, you'll save even more. magic word. The promo code is Ramsay aright. Today's question comes from shot in Arizona. He says my wife and I just finished babies that three and are now on steps for five and six. My company contributes twenty five percent of the yearly max or the ages a regardless of whether we contribute or not. We have an emergency fund filled at twelve thousand Anna Nature, say a sitting around six thousand currently and growing. Each week we ve been contributing in order to hit the max also, but I was wondering if at any point should we consider slowing down or contributions up to the anti and to up the ante on the house. We have a ten month old and are all very healthy. Would you advise slowing down the ages aid to help pay off the house and our goal of seven years? I look at this and I think wise it or why can't you do both? I mean you're you're, talking

Here, the max you can do in the agency for families and twenty twenty, a seventy one hundred and twenty twenty one. It's it. Seventy two hundred that includes the employer match so wide. Why not do both like? I don't know why you would have to stop agency to attack the house early while he gets twenty five percent going into the h essay, regardless of whether you can there are not right shall I would limit your total, investing whatever it is to fifteen percent and by be sent for of your, and I got you, you don't need a fund that h essay up huge there's, no doubt the savings portion of it. I use my age essay but after the house was paid for as a savings vehicle on investing vehicle six k and there will cover their deductible, so they're they're up to snuff. On that, then all if, if you don't have to, I don't know what you're incoming sesar problem here so, but if you need the hs a contribution to get to fifteen percent,

If that's the way you can get, there then sure I would do that, but what I use fifteen percent plus seven thousand into an age s eye, and then that slow, the house now like investing more aware than you need a new need to write while you're in baby step for five six now, what's the house has paid off your Mama out major say every year? Among anything else, I can do to keep the government's hands off a money, but I've never even use my age. I say we ve got hours invested with a company called health equity and I've got mutual funds available inside the edges. Angel months invested like it's a retirement plant right, I've never touch their several hundred thousand dollars in there. I put it in their sins. George Bush, the third way back and so on. Because up you know not how would we ve been healthy and be when we weren't, we just can't live and let live the address I alone use that as an investment vehicles, so it is depend

Sean where you are in and whether you need this to get to your fifteen percent you're gettin, a twenty percent match our contribution from the company either way round, and now that David stop barefoot water scheme stopped using stood still do not have to watch out for that. Winter is called out there on with you, but I put the ski they show off its Andrews and Burlington Vermont Andrew get Chris Others word gets in trouble, on the very day when can I hate my what's up acted quickly, say something on the coal Yahoo with the previous covered. I know this is a very tough. I'm in life feminist, emerged situation. My older brother actually is apparently get your neck.

And my little brother is a hare, went out it then that then rough, but you can get through this and make sure you reach out for help for yourself, because it sounds like you're. Gonna have to be the rock, and if the rock is crumbling, that's no good for anyone so make sure you're taking care of earth did work. Having done in a similar situation. The large brother thank you said earlier on my heart without you, so my question is unkind of suffering from paralysis, now. So I wasted my twenty three hundred and thirty. Two I with my point, is not getting that compound interest on investment or anything. So I'm lucky enough now and get free position

it was in the house and I'm wondering about how to calculate risk. Yoke is keeping the mortgage, obviously, as you guys, but I'm trying to figure out if I buy any extra money between investing and the mortgage and what progress might be. If that's, ok, everything's, ok, the question around here is: what is the shortest distance between you, where you are and wealth, without taking on extraordinary risk as extraordinary risk is not the shortest distance? It catches. You're off. Guard unrest notch in the back the head, and so you know that's where the baby steps come from: fifteen percent of your income going into retirement kids college, if that applauses number five and six as with everything else on the house,

Are you asking about putting extra beyond fifteen percent towards a mortgage, our towards the end of investments, have stood a towards mortgage yeah yeah, I'm on putting on actually with the company match. It ends up being about seventy percent poets We can't go in there in that formula, fielding percentage of your income you put in and if the country matches its grave yonder biscuit attacks. Okay. So how much are you are putting into retirement of your and I'm gonna income can be hooker, it should be up to fifteen plus your company and and then above that we put everything on the mortgage show and I'm confused about your question then you're asking above that, should you just keep investing instead of paying extra Morgan

is that what you're asking for a hundred and fifty extra hundred fifty dollars extra money towards the mortgage just now come in making that money work for me at the time the mortgages only involved this point, but I can't I was just trying to figure out. I guess I'm and technically up for months with feelings now and then anything above back. If I should split between the market and

a thing again. I didn't do any investing out one at all. Now you get yourself up to your fifteen, like Davis and regardless of the company Matthew, and then you anything extra your attack and get this mortgage out your life. Ok, ok! So your thirty two, your John you're gonna, be fine. You know, I think you are trying to vacillate back and forth between. Why could just keep my mortgage and try to invest more? That's what I'm hearing if we were to sit down and unpack it, but now follow the steps. Do the fifteen percent pay the extra the house and then were now that the house, when the house is out of your life? Now you can begin to look at looking at bridge accounts and some other things to do to beef up your investing, followed a plan. Brother just stay allergic to debt at thirty in the thirties. That's where stupid concrete in and you start to get that deserve meant.

Eddie, you deserve a boat, a truck or motorcycle, avoid that you're gonna be fine, good question. Thank you for joining us and good words refreshing. Well, you know it's better than getting gifts giving given and that's why we are giving away cash for Christmas Pass. It's our fourth annual Ramsay Christmas cash give away our fourth winter. That is, is Eureka from Texas. You just one five hundred bucks kiddo we'll get in touch with you and send you a five minute, our Czech, or giving way five hundred dollars a week between now and Christmas, and five. knowledge is a grand project, of course, no purchase necessary. You just gotTa Dave, Ramsay dot com, slash, give away. You can interrupted once a day and count towards the drawing plus, while you're there so by up to eighty three percent off of life: changing gifts for family and friends during our biggest week long cyber Monday sale are marketing. Guys are good; they can turn a black Friday into a week.

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Fine, thank you, the taken Michael sure. What's up all right, so there's no them The timing is important, and at least ten percent is what level required to do. But I just got to the point where my tiring has gone larger, and I have also noticed that Burma, local church there is a statement at the I'm not shows how much our ties and another a moral issue here on whether it is morally acceptable to claim what our time on my tackling ok, I think I d you mean spiritually yeah, yeah, and so you're just checking your heart and go on. I am I doing this for the wrong reasons. It s a good question. I'm glad you're asking that of yourself. I actually rustled through that one. Many years ago, myself in a kind of it, the same point you did, when might I've got a larger and all went well, some money, I was wrote it off

small and thinking about it, but it was a big deal was will get bigger and I went yeah. That's all that's like a big tax write off here's the thing. I think you can ask yourself in prayer honestly before the Lord. If you are doing this because you feel like it is one of the disciplines, one of the things we do in our spiritual life that God tells us to do because it's good for us, nor am I being obedient or am I tithing, because the tax write off ninety nine point: nine percent of the time someone who asks this question doesn't have the problem that affects the wondered and ask your might have the problem. The very fact that you had a tender enough. to even asked the question tells me you're not doing this for the tax write off. Am I right? Yes, look if you're not doing it for the tax write off then it comes down to. If I take the tax,

I'd off. Have I done something wrong when the intent of your heart was you didn't? Do it for the tax write off? You did it because giving is a part of your faith, walk agreed, yeah. Ok, then it comes down to me to storage. and, in my mind, to be a good manager of money. One part of that is to keep the government's hands off of as much as possible because they are not good managers. so sending them any money that I don't have to is by different. A bad manager of money, and so it is it's beyond. It is in my mind once again there I said to myself: I would not be spiritually correct, To not take the ride off because sending them the money that they, when they misbehave, where that is a bad men, have a bad use. God's money.

Managing his money well by sending it to someone, that's wasteful right when I don't have to now wouldn't lie about it. I wouldn't cheat and I'm not gonna have incredible integrity on my taxes. It's ridiculous now much integrity, I've every King little dollar piece of cash and everything is counted. We dont let anything slip under the table, not because afraid of an audit, but because I wanna be honourable, before the Lord, and have integrity about Metaxas, but Turkey also includes paying, is through little in taxes as the law allows, because their bad managers how's s sound. That sounds a lot better, but I have run into people and doing what we do in case, you probably have to an usually it is where there's some size to giving the reason there giving is forward the tax write off which, by the way, bad math, but also its really bad spiritual

now and then sometimes I run into people who were giving because they to be noticed, ass, an that's! I want my name on the building or I want in a high demand this year. I demand that now we put our name on a few things when we did giving, but but it wasn't like that, was our again. It was not our motivation when your heart yeah as they are in the right place body, and I think you know, as your income grows, the dollar amounts gonna continue to grow and you're totally fine to be able to claim that on your taxes as you move forward, let me give you another prediction: Oh, I got you Guy, who asked this question, is managing the money? Well because sensitive to what gods use of the money, and are you in his will? Are you doing that? That makes you and so manager, and I will give you prediction that your money will grow. Mercosur, an excellent manager. The pair

the challenge tells me that those who manage oil will be given more group to manage and those don't manage whale are given less to manage, and actually that's God there's a wealthy inequality thing for you ran their mash up He also be very aware of how the churches, using the funds. there do and how their impact on the community, and so your hearts in the right place, but yeah very good. I love that question that one in a long time. Thank you for calling in with that open phones, a triple eight eight to five five, two to five. You know Chris I'll. Take that step further. Continue that discussion a minute, because one of the things I find is in you, you and I have both observe this chief. You agree with the statement that people who have a very noble reason I higher calling showed us.

For handling their money will have a more of a tendency for handling it will not be able to completely show. In other words, if I want to change my family trace, I'm doing this for the good of my kids so that my kids don't grow up poor. Some guy says I didn't, but I mean a grub middle class, but if you grow up poor- and you say water Wilma, kissed, F group that why that's a higher calling that's a nobility- it's not selfish. It's not! I wanna get wealthy shouldn't get a car right, it's not wealthy! I wanna get wealthy, so I can go to Saint Lucia. You know. That's not that, reason, that's a fairly shallow reason. It's ok thing to do, but if that's all the bigger reason you have your long ago, but but probably the highest calling the most noble, calling our when a person of faith says I've gotta do this, because this is- God requires? I'm not it's not my money, I managing it for him and I've been doing a bad job. Managing his money and I've got to straighten my act up.

They have that kind of motivation. Those are some of the people who were sacrificed, the deepest in order when they're the ones are budget is clean. There cheating there there's no. If ever comes up in their language, because the the nobility of their. Why is so high absolutely and it that's the gauge, that's the thing that keeps them on that track and won't. Let them veer off. You know they are intentional. and that's it. I remember having that awakening some fifteen sixteen years ago, The other thing that does for those of you out there that are people of faith. Ok, when you take that efficient, then you're no longer taking a pole from your parents, their nose up a roll, their eyes or your friends who go oh yeah, well, nobody gets out dad you're, like the Italian Republic, is introduced for you. That's what I'm doing this for your approval, I'm not even though I know from my own approval under English, because I feel like this. What God requires three?

a borrower, slaves, the lender, the train and people. Don't get a vote it just you'll need your need to please. Other people goes away. Goes where tandem with you having that level of higher calling sure those another element, the Gaza people, when, when you are trying to be a people, pleasure and body in your freaking life has a vote. and now you're, trying to impress then try to make them think you're, cool, you're, you're whatever your keeping up with the Joneses or the Instagram, so the cart crevasse genes or whatever it is you're trying to be that person you and Never gonna have any money you and be broke. Your whole freakin lies and part of leading the place. Other people sometimes is having something bigger to please I like that and that that's all I have seen that with my fellow believers, the ones who who say: ok, I've got to discuss. This is what God says today.

And I want to stand before him in Here- well done good and faithful service one When I manage his money, I want to be your him smiling by the way, did it with my generosity. With my diligence. It causes you to get a will. It cause you get life insurance because you're being a budgeted cost to get out of debt and cause you to buy more carefully and wisely changes every they're, both regional and it's so worth it it puts us our that I am sure in the books are thanks to James Childs, our producer codeine, your associate producer. I am Dave Ramsay that other Voices Chris Logan, we'll be back with

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