Ramsay solutions by gas, but all our car rental studios is the rams. We shall work that is done, gauges, gang paid off mortgage, the place of the Bmw status and Abraham here, oh George, Camel Ramsay personality is my go out, is also the ocean of the fine print, our new issues and most popular podcast right now,

large zooming in wanting to know what is in the fine print this week's episode all about Christmas, getting ready. and making sure these things happen. So we have a new book coming out today. Are the priestly along its Today I have not written a major trade book in eight years. Ramp cheaper Reality should have done them all and the last one I wrote a co wrote with Rachel, which was more money: smart, kids. Was a number one best seller. we ve been putting all of you guys. You Ramsay personalities forward, including can coalmines book was actually hit the street last week in Libya. New York Times, but shall I m sure, or about national best seller, I'm sure as well as was Christy's, take back your time. Christie rights book a few few weeks back a few months back and so on. This book will actually be on the street on January, the eleventh called baby steps millionaires. How ordinary people build.

Extraordinary wealth and how you can to and are ranch now is the time for Shokhin did a book called everyday millionaires here? That was a best shall learn a big shot. Her did very well, and it was all about the study that we had done and about the research that was done on millionaires, and I everyday millionaires was about everyday people who have become millionaires, while We're doing that. I started seeing that the baby steps us teaching the baby steps was often resulting in people becoming millionaires if they followed. baby steps and so a subset of millionaires out there is the ones that have actually followed our baby steps and have done it enters. Tens of thousands of them that are millionaires by

We see them on that every stage. All the time is not unusual for someone to do that: free scream with our house being paid off and with their paid for home, in conjunction with the current balance on their retirement plan, that they have a million dollar net worth it's not that unusual at all and so we're seeing baby such millionaires lobby all the time we're seeing them Events are everywhere, the I've loved having a front row seat meeting these people. There really are people you'd, never even realise our millionaires, because there are not laughing people there, the everyday, hard working people who follow these steps and, over the course five seven ten fifteen years following the steps in paying off their home early go figure. They become millionaires absolutely the slow and study I answered if you are deeply immersed in the Ramsay stuff and you're following the baby steps towards emu. At the time we make over new doing it exactly like. We teach there You may not be to reduce but other than

inspiration of all the people who have actually become millionaires before you that hurry Jeanne you that you can do it, so it's all about stories of people that have really done it from any possible background and they followed the baby steps. And it's about the detail inside the investing side of the baby chef babies have four five six, the things that lead you into becoming a millionaire. It's not about getting out of that. It's not about budgeting. Ah out. You know it's about the baby structures, what they are and the important ones for the millionaire part as you get out of that, so that you can invest so that you can invest in your retirement. That. You can investing it gets college so that you can get your homepage off so that you can should generosity, stories of these individuals that have done this and mixed with just Our thirty years of May sitting in the sea is what birth this book, and so it is,

different, then everyday millionaires. Chris organs work that we published remain, urges all about the study and this book is all about the exact baby steps. Exactly how they lead you to millionaires and also about the things that the myths that people believe that they say will I can't get their people like me, can't get there. And we break a whole bunch of that down or the myth that together, because I really want to get work as Wealthy- is Eve your evil, if your wealthy and shall we as some of those things as well dressed low, but that legacy journey as well, and so I dont have a lot of new ideas. So if you ve read everything I've written and you listeners podcast every single day, this book is not going Well, that's a whole new thing. It's not me. I thought you were gonna. Unleashed babies debate knowledge more of China. I mean it is more of the same but if you really want to see any you ve got this brandish as well. It is not possible today. This is the proof text

I can show you that not only is it possible its probable that you would become a millionaire if you do exactly what we show you to do, because I spent on tens of thousands of times This is not a theory. Yes, and a lot of people had areas they got Dave. I disagree and here's my theory. If you do this and you do this and you get fancy over here, that's gonna be faster to become a millionaire. What I love about this book is it's you saying, hey we ve created thousand upon thousands of millionaires and here's what they did that and you can do so. go ahead, and until you like already You know when I say I appreciate this morning in some out. I was just read from the comments on Instagram enjoy some butter woman and he is like. Oh just another Ramsay book saying the same thing: yeah you're right did actually your fairly your fairly right We are saying the same thing that we boy said, because it can used to work, and yet this is different way. Looking at, we did publish the entire study for the millionaires that was done for the Christian, but then

Ramses it's my study, Emmy, rambling research, did it why on the company and so Ramsay research, a study on the largest study on millionaires ever done, is in the appendix as backup material, and so ah you know you'll get you can read the study and you can see here's how the baby steps work and here's how mathematically with like stuff like a risk matic, you know that will cause you to be a millionaire. It is the proof, is there and so it if you ve, got a friend who doesn't think they can do it. This is your tell me, I can do it if you're wondering if you can do it. This is the book. They'll tell you, you can do it if your halfway you're getting a little tired. This book therefore remind you: if you stick: stick with it, you're gonna be able to do it and I also wrote a chapter in this than I thought was interesting and my editor honestly didn't agree with me, but I think that people dont go for millionaire because they confusion In our own billion per million.

Don't have private jets millionaire! I have six homes and seven cars million. Don't drive tuna, fifty thousand dollar for dollar lamborghinis? That's. Why, billionaires do and billion or is a thousand million huge gap. If you ten thousand dollars, you are much closer to being a millionaire. Then a millionaire is to being a billionaire wow and so, if you see like Jeff Basis, flying into space, and that's what you think of you think a millionaire, you ve got it wrong and if that keeps you and from becoming wealthy as a millionaire because use thought it was something it wasn't. I thought that Something needs to be re interested address, very, very math, on its very interests I love ratios version. Seven thirty I like it adds, vary in their sharp. stuff millionaires, Ramsay solutions, dot com,

All in there and, of course, if you order there's a hundred dollars worth of bonus items, including the audio books, the e book, the legacy journey, audio book, any book, baby steps, millionaires, live stream, Ramses, smart tax and the thirty day free, trial, Ramsay plus all included, will, if you pre, purchase Unlike other folks, in the mortgage industry, Churchill wont load a bunch of hidden fees or surprises into your home purchase or refinance. Instead, they advise you on ways to save money, crush Dat and build wealth faster through a smarter mortgage, dont White gotTa Churchill mortgage dot com. This is a way advertisement, animal s idea one five: nine one: animal as consumer access, dot, Org, equal housing, lender, seventeen, forty nine Mallory Lane Sweet one hundred Brentwood Tennessee. Three, seven zero to seven programmes are for select loan types only and are not available in all states locations.

George Camel Rams. Your personality is Michael vote today on diagrams your hostesses, the Rams Asia common sense for your dollars. Business open follows a triple eight, eight to five. Five two to five Robert is Indianapolis High Robert. How are you. you know better than I deserve. What's up great, so I have a question for you. My wife and I have for several years, be taken about buying a vacation property overseas. Specifically in Paris, it's been a long term to use and with the current deadlock and what not be found it. You notice, might actually be more workable than we thought before. I deal with financial position to do so. We ve got open job the kid. So it would be something that we use more than initially that eight weeks a year by Tom, you have a hard time,

transnational crime only to enjoy- and we trust that will ensure that the financial cents worth at this point in time I don't want to hear your opinion on that. Ok, what's the apartment cashed, about one point: one million and what's your network, saw the timely, ok, lots of a very reasonable ratio and you'll be paying cash for Dyson good. So you notion- spend ten percent of your net worth on a toy yeah, I think, is reasonable. I don't have a problem with like a very good job, It is a big toy, so I have a couple of properties that are not my main residence. The very. First time I did this. I bought a one hundred and three thousand dollar like house, and when I

That one hundred three thousand out- and it wasn't much of a house as you might imagine- but it's all shut up and there was a dark shall be quiet, and so all I want is more replaced camp near the boat right, but it was a little Betty, Brick house and cute little House and up that money out of my mutual funds and I broke out into a culture where it was really hard for me to do. That's what your experiencing, except you gonna, zero on it right. That's pretty much exactly are you leave just sounded, like I said very hard to think that psychological change from from earning to enjoying an end, not getting things get out of control, which is probably world a little uncomfortable the ideal, the thing that Sharon and I do and that we teach to high network individuals all the time. Two things will help you with that. One is ratios and the ratio is that you're spending, ten percent of your net

on this show the way we look at ratios list for a toy, a luxury item. If we put that money in the middle of the kitchen table set on fire, what our life change and in your case yeah now it would not change not much other than we would have a severe I shall now we're having learned a million dollars in a billiard table, but but I'm saying mathematically mathematically, you didn't ruin your life now, let's say you put five million dollars in there I'm starting to worry about. This is not a good idea. You follow me on the ratios. if you put five million dollars in there and your network is five hundred million. Once again, We're not really worried about. Ok This is your ratios do right, and so when they say that in all so and so builder, a billion dollar house, but they have a network of two hundred billion dollars,

the ratio is that's my spirit, even though that's a lot of Money for a child's right ratios are one thing and, in your case, that's why I was so comfortable that the second thing that we do is also on ratios. We always watch our generosity make sure that we are giving and they were filling up the room Family foundation and were doing other stuff to help other people. That is, call to our luxury spending or greater. And that also tells me that I'm spiritually balanced in check. This is not all about me, I'm not an we, a mode whereby just get more stuff. All be happy you're, not that guy either. I can hear his voice genscher. Georgia he's not he's not allow this guy. This is when they worked really hard. For you said it's been a lifelong dream, Robert and so and it's not a car, and then this is a house, so this is going to hopefully hold its value

over time. I would the its law depreciating Lamborghini, and so I feel good about us. This purchase is just the emotions that you're dealing with. That's really the the hindrance here then I guess the third thing I mixes in there. For a guy, like you and a guy like me, that knows, numbers is dying, the second home. A luxury item never makes mathematical sense. Never you can never buy a yacht and figure out what it cost you per hour to use it it'll make you throw up can never violate Youse and figure out, that's cause me show. tonight to stay here when I stay at the lake switch. I've got a lake ass. If I were add that up it just will make my head her make my head explode rights, but it's not about that. It doesn't make sense, you be, Thereafter, rent a billion be urban, be you be better off to rent something a thousand times before you bought you can you can you can read an apartment. Eight weeks a year in Paris for the rest,

of your life and still not spend a million dollars exactly, and you probably laugh at the car, I drive the Jackie position? There is what but get some gets me down there, so it doesn't, it doesn't make sense financially a fifty thousand dollars hard doesn't make sense financially because, like you should both of the five hundred dollar car, the five thousand our car will still get me the exact same. Patients at pretty much the same time with pretty much the same reliability. and so does the point? Is you ve on that and you can enjoy it. While you balance it with ratios and generosity, and if you do all those things it'll help you walk through this spiritually and emotion, Does it really are your struggling? Whether Magri are your great, that's all Is it a good turn by Rosa Paris as it is sucking over there? I don't know where it is

not as strong as it has been in the past, it has grown up like it s here, United States lately, so you can get more women. What consider something decided, then a good section of Paris. Where I know it's not measured and square voted by a measured and hectares or something, but what's the US Where did you get four thousand bucks an hour? Four million bucks in Paris? Well it it's too, a part of the city, ran out, but why do you look an arab doubt about eight hundred square feet? The hookah such it's like comparative to Manhattan year, roughly speaking here, yeah. Ok, Robert, I'm just curious: how did you get to a ten million dollar not worth? What was the key. Well you know I will I was young. My father worked in the aviation industry in the Eightys and Ninetys wireless up and down just like crazy, and I remember growing up when I was a middle school where

Things were not good. I could tell that my parents were concerned even if they didn't really communicate, that there might be a job losses in the future, and I learn very young that I was not in it position were someone else or some other circumstance, control my life like that. so you're in the union. Any of money now watch career field, engineering, aka number, one of a baby steps may in urban in the millionaires, that we did see just invested like crazy over the course of your career. yeah one. I graduated. I realise that you now, if I was only thirty and I save ten, that was you know some time that I could fly back to myself, but

if I was thirty twenty, I can buy back more time. So I dialed down my spending when I was young. I really love our end. Just acted away and saving forty, but ah you slammed it well time job my baby, we'll do much. But now I think well, yeah you met you. You do need loosen up now, because you ve not practised the enjoyment muscle and you may not approve if the generosity muscle enough both of those most- maybe under developed? And so enjoyment much on the generosity. Muslim need to come with the saving in investing mushroom. All three muscles must be built up a good life with money. is actually what we talked about this new book: Alot Babyship, beginners, rubbish, dump alone. Thinking. We just talk about the other way when resale today of your joining us late in the hour here,

Thanks Robert out a great discussion, or some ten million dollars, forty five years old, made by a million dollar eight hundred workers, not call I've ever got thirty years. This is the Rams Asia. In the lobby of Ramsay solutions on that get free stage, Tomb, Michel or where those guys. How are you you re, welcome good to have you? What are you? Gonna live all Mohammed. Yes, all the way to emerge to do it that free scream, how much of a bite off we paid off a hundred

seven thousand in five hundred dollars a week ago, guys or how long did it take you for years? in eight months, arrived of love it and your range of income. During that time we started off at a little over eighty four thousand end. We finished off at a little over ninety five thousand good, for you got what you do for a living, I'm radiology technologists specializing in MRI. I'm a welder, very good girl for workers. that was your hundred and twelve thousand a prey it stood alone was the bulk of it to car lawns and to credit cards car normal alone. We were married twenty years now will congratulation. Thank you for years in eight months ago. You start Ramsay Journey. Tell me about that. What happened ah well

its it started when we moved from California to Nebraska. I was pretty gung ho about paying off our credit card debt, and my coworker noticed this and she gifted me your book thing here just go and at the time, though I was doing such a good job that I didn't think I needed to read it. So I kind of tossed it aside and we moved universe. things were going well, we bought a house and we don't have any furniture. So research using the credit cards Have you not TIM Tim knew better than you. Let me do I want, because I'm really thrifty software, so things were going fine course. I maxed out the credit cards filling up the house, but things were still under control. I had this all under control and then, of course, life happens

both the cars decided crap out on us at the same time. Yes, and they were both Saturn's so that we were told that they were not worth what it was going to cost to fix them. So, all of a sudden I looked up and we had to car loans to max out credit cards a mortgage and still the student loan, and I thought you know. Maybe I should read the book, the Jessica after a sorry for that a paper weighed up until a poster, and so I it's an I got through in a week and absolute loved it and I rushed to town- and I said you have got to read this. We need to do this. He rolled his eyes at me and he said we do not need a get rich, quick see.

I said: no, no, that's not. Why is it I'll get a lot of people and he is so to placate me to shut me happy supine, find Gimme the book at it in two days, and he said we gotta do here, that's exactly what he said. Yes and right after that- and I said ok now. I heard of this thing called F p. You like ok, so we got through that we did not often attributes universal, they get really are we bought it online. We were so excited every night to do that while and we immediately started and four years later interior by years later than for water you like tiger gainers. We realized we rarely, but we were so excited every night to watch that. Yes, it was incredible so appointed to go. Oh, this is gonna get rich quick scheme. This is governed slow. When I read the book, this is now get rich. Green scheme is something we have to work through and from all the steps,

process so for years in eight months. What were those things that you did tactically that actually made you see the progress? You know when I started the budget, I got really scared, because in the beginning the bills really didn't match what we were making, and I was scared that we weren't gonna able to do it but see just starting the steps really just starting out and just making the small amount of progress in the little changes here and there not spending too much on the grocery, not not eating out that that was a real big. For us Maria yeah, making changes to not eat out. So much saying no to you know the kids, those start to add up you. You think that those are small changes. Have that's not gonna make that much of a difference, but you know the next month

after that, all of a sudden, oh my gosh, it really is homesick and we are making progress. You know and and then, if you start to see the dense, you know becoming bigger and bigger. That's incredible! So did you guys have cheerleaders along the way people think you're crazy other than your friend? Who gives you the book we had. Our kids are families, but there are some people that were thinking where nuts, a hen else motivate me more than I think, are our teenagers actually work our biggest cheerleaders. We shared everything with them along the way because we didn't want them to fall into the same trap and there they really motivated us the vague get involved in the process, and they did it ever lower they doing they that they honestly, I remember our kids the most well when I would make big to progress

and I would say, we finished off a card and I would take down are charts that we would color and the boys would come. I want to finish it. I want. I want a colored and I want to do it s like whether their teenagers and they actually want That's right, so it is in our project. Right now very good, very good, well done, you guys aren't when somebody asked what he had done. The key is, I want to get. This right is just as important to me to me, the secret to this is creative tenacity, good fruit. I heard that one. Yes, thank you. I am speaking to everyone who feels like that there are particular life does not allow them to work the problem when we started this journey, we both working jobs that did not allow

ass to have second jobs. We had crazy shifts and we didn't have anything that we could sell either. So, like I've heard, you say several times Dave. If that is off the table, what do you do? You don't eat plasma and while you're lying on the table, who is many online surveys as you can? Ok, then also you can download a lot of cash back. Apps like I bought a or get upside are acute, and these are small things, but they can add up. I got about two thousand dollars just from those apps alone. You can also wrap your car. Ok! Do that? No, I I tried we call right. I tried that almost convert. Ask apparently is big enough area, but I mean I looked into it to some form of yeah. Exactly maybe I would do the learning it. I wouldn't know exactly rubber mug home but we also able to rent out a room in our house may

These ideas don't work for you much. You can find something that does work for you miss the point. and there's a lot of great ideas on Pinterest. The Dave Ramsay website has articles that list. A lot of the acts that I didn't list and Facebook, the Ramsay baby steps community, there's a lot of collaboration going on their ideas being bounced around the point is you can be creative without being issue just don't give up. That is totally pass off. We're going harangue murder in charge of the marketing incredible infrastructure, a man I'm telling you creative tenacity. I love was afraid. I'm so proud of you guys think you how's it feel to be free, but you freaks. It's amazing. It's great now. What's that word, remember third relief, relieved that really a lottery answered. Yes, that's a good word, creative tenacity in relief. The themes of the story, I love it

Well done you guys are I'd TIM and Michel from Omaha Nebraska we ve got a cop. of the legacy journey for you. That is the next chapter in your story, for you to be wanting We stopped millionaires, we ve been talking about this hour and, of course, than another the total money make over for you to give to somebody does that's where your whole journey started. That'll be perfect for you having pay it forward. Well Don T Michelle Obama, Nebraska hundred and twelve thousand bite off in four years in eight months. Eighty, Fourteen ninety five thousand dollar income, while using creative tenacity, countdown Sarah debt Breach groom three too

well? Ladies and gentlemen, tenacity right there. I love it. This is the rooms thank you for joining us America, God. This is the ram she show. George Gamble is my co host. They rooms, we personality ocean of these very popular podcast, called the fine print

home, Ramsay Networks, be sure in tune in this week's version is all about. Spending- and you will get some real insights Sandy's where this in Annapolis merriment hi Sandy. Thank you so much for taking me. Ah my honour: how can we help until we started doing the baby's that many you ago and of easier and easier as by husbands, income grew ass. His business grew. and we are now a hundred percent. That's Bree, including owning our own farm regulations. Well, thank you know. Might I really appreciate it? The only thing is we have moved on to a meeting with a smart faster pro yet because it covered head in my daughter is indeed a compromise, and I just as in China's Bay away from you know, office,

and things like that, so we we do have money just sitting in the bag. Not doing anything. I'm an that's honestly. Ok with me, because I'm really unhappy living where are you there's! No internet items will my cares. Everything's at least forty five five minutes away, including a decent grocery store any of their own home school events, are really like forty five minutes the way, and I would really like how are you doing homer screen alliance of your not showing people well made? If they have on winning left, there is armed with We have just well setting up a driver with just the instructor on anything like on a we often use more class is beyond all remain or anything but swam instructors, safe, social, smart, vesture, Pro.

yeah, you know this is just we just started again lake it is on my list of things to do. We just picked up again the sheer scale of countless alumni about hookers. The disease is not up to you. I don't know enough Why, then, I don't hear we stayed out and everything, and it was last year that we were already all. Why should either my master ass though it was just I've just been really does the idea we d, to swim, lessons on even get to see an investment investment. If I may do it, I presume now, tubes, that's in a you could easily meet virtually and applicant still have a conversation broken out, stars but began you. What's your quieted and knowledge, I wouldn't to move and on so that we can be placed on where it's not so hard. Like we have internet, we have. Why, like I had come out by the call you

I am thinking of what will the varnish offer? I think it'll fell for about six s arm The problem is that we really need to buy something first, and then move because the kids have horse does in fact- and we have We felt the finish our kitchen and our master bathroom here at this farm. or we can put it on the market and its kind of hard when you ve got three is to do within the houses, under construction, since we bought it and you buy. It. We pointed out eight years ago you ever construction project, further gone over eight years. Well, oh, like each thing like we ve done the floor. We held on one on other bear brands the bedroom You have plenty of money. Why have you not godless done because might have

When does it want to spend any money? He will only view of things by himself and on. while higher anyone's did your way, how much money from your bank or does it- my bank account in life, in twenty thousand dollars. Ok, here's what you would do if you were wise- and I dont know- if I can talk you open. Doing this or not, if your wise, you were take some of that freaking money that you have ordered in that bank account, and you would finish this construction project gone on so long. It's like Noah building the Ark. You need to get this done and then you need to get this house on the market and you need a solid and when you sell it, you need to take your one million. Were hundred thousand dollars, that you have in your pocket and go buy you something you ok,

I don't even need to buy something that baby? I don't know about anything until you get this construction project known in the farm sold. Okay, now really set, go, get it, You re still taking a mortgage on a new place is in an option that your site your checking account you're not taken on a mortgage would be. My husband is only willing to move as we spend less than the five hundred and twenty billion dollar. I like him, move a point. move into a last word area: darlin, listen! Here's the deal! If you want more than you have in your tracking if you want to spend more than you have in your checking on the move. You in your Your husband are in agreement on one thing, and one thing only, and that is the farm. Much pre sail to do that, but you cannot. Do you trouble this out for ever gonna get over SK? I get over I'm here in a lot of well here's the thing

Well, you don't dave! You gotta understand my husband. We want to do with this year. again on the same page and start to make some moves task orientation. Here. It's like molasses, task orientation, need to decide on what the project is. What the elements of the project are indeed get after it Yeah just one during generalities- and you gotta just our care of you you're about four hundred father does nor house with his got five thousand gashed. That's one go by what I took it. I don't recommend at that, because I think you will have another eight years working on a stupid farm I don't think your husband was to move at all. I guess there. The problem here is figuring out a way to sabotage this, because he likes dragged out the boy you are you're gonna harm Dave. I like a good form. Like forty five minutes to nothing, that's ok! That kind of commute is for people, in other words rather than mine, but yeah. Now I just but yeah.

Here's the thing you guys have done an amazing job being frugal and saving up a big pile of money. Don't mess this up by not having enough task orientation to properly follow through on the different elements of your situation, what it wherever you want to end up. You need a properly follow through snappy, which is not what you ve been doing To get the best situation for all of you, so good question: open phones, a triple, eight to five five, two to five show. We'll be real clear so that some of you, the only thing to do, are our help. You with your twitter account of that you'll have enough to do so. You wanna be a troll. Ok, you give them free,

We see here. I was not picking on her for having wanting to be separated from people doing due to having a daughter with an immune disorder. I completely agree with that decision is matter fact, but you cannot choose between swim structures and financial advisers, both are, as at one is apt to carry over to the other, and so you you cannot use that excuse for kick and again down the road. If you're gonna, if you're gonna say we're not showing any humans. That means Amy Humans, including home school humans. There that qualifies humans. and so on and off one is apt to carry covert is another. So if

your concern and that's what you're doing you have to be consistent in your critical thinking scales. That's all I'm asking and fell on not picking on the poor lady, with her daughter, with an immune to shore up completely agree with my back. Until we got two were being selective about which humans we can be around cause. Some humans are safe in some art. This is one of the things from EU covered people drumming nuts, with your inconsistency, in your logic, just blows my brains out we will show is lot. There is a lot and I call I'm stolen pack in it in my head, but they're doing financial as the amazing, our million one that worth their millionaires, but then really good a saving money, but they haven't made a plan for it. You know, that's it planning is. There is a

correlation between those that get money and keep it. It's not just firm, frugality, frugality, plus a plan is the only way you keep it and this this that's what I'm picking on her about to get em, get him up on the road and get on the road. do the ditch it upon the road runner a run down a plan, some kind. You write your that's a good observation, ok good. Our George sometimes arise

James Childs, is our producer, caledonian social pressure, Andy Ramsay, Missus James Giles producer of the Rams issue. If you listen to all our shoes with the Ramsay network, upon your smartphone roused by topic or even simply download the Ramsay network gap in favour of storage,

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