When the head waters of Ramsay Solutions broadcasting from dollar car rental studio. This is the day Ramsay Show were american things have a conversation about your life, your money. I am Doktor John Bologna Joint here by my good friend, Anthony O Neill Reims II personality and best selling author Youtube sensation. We're taking your calls about your life, and your money anything.

Everything's going on in your heart, mind, give us a shout at AAA eight to five five, two to five: that's triple eight, eight to five five, two to five to Joe informant in Minnesota, Joe how's. It going. Are you going to do it or you outstanding good man? How can we help so Wife- and I are we- a dollar. Our financial support is wondering: how do we get even get started with our emergency funding moving into babies up to. man? I, sir? That's a good question. I love. These kind of question is also talked to me. Why is it differ? for you to get into baby set, one with which is a thousand dollar emergency fund, I firmly believe that just seemed like I'm page after page, for sure I mean I'm a charter and my wife, police officers, I mean we make ok money.

What do I know how much money do you? man together, yes about a hundred and twenty two hundred and thirty and you're telling me can come up with a thousand? I was too, the car I might get into that were out Ten thousand dollars the article that together about seventeen thousand credit or debit, only just got nuke I'm not making accused of I've made stupid man. Decisions as ass dear for sure, and beyond let us, while they just seems, like my dad. Payments, our soul. I don't even know where to start saving up there. Dollars when ass. A good question is that somebody did a budget that was the last time you did. What have you done? Why are we know what we

download a d every dollar out last night, I had a look through it yet, but we just downloaded it, I'm so here's the big you. Let me give some practical things: some some practical factor, the average couple. The average household income is right about fifty eight thousand dollars a year gambling really understand. I fit the eight thousand houses, the average household income in America, you're making double of that double plus. That's why Two was the very first thing you have to do with it I'm too, how do we start getting better with their finances? Take debt off of the table So this may stop swiping. Your credit card Finally, sittings stop adding fee. to the debt pile taken completely off the table. Here's some three years on the three has not do a month, because when I get to the practical money stuff is,

simple as easy as what we teach to seven babysits, but out what I'm here from you is. I haven't. I haven't heard the gut conviction from you Isn't that what you and your wife to do tonight are are, you, are you can go home tonight which why, for you out there truck in right now. I'm gonna, be all of my wife and I regret the I haven't you, kids. We do not tackle great. You love your wife. Very much. Ok, time on that. Ok, she loves you, I'm sure of it. I want you to order some peace it tonight. I want cut off yourself all cut off you too much look your wife in her face and say bay. Why do we want to get out of debt? before you ask your wife that I want you to be thinking about that from the time you hang up from us. Time you ask your wife that, should it be so convicted act. Self. Why? Five times from a good friends, press Brian Bullock says that the five wise men

answer, the question of her son go deeper. If you say why, when you get out, I want to get out of debt. Will why do you want to get at it when I went to get so I could put zone, but why do you want a purchase home when I want the homes I can have a you know a nice home. For my case, why do you want to have a nice home for you kiss? I go deep because here's a think your. Why your life the chain finances, need to make you quiet if your wife, Does it make he cried in a price of commitment will make you cry so me you and your wife to have a good one a wide they get shoe to emotional. When you think about why you want to go out and his journey. It may she took a very emotional winged. You get that got why I promise you A thousand dollars for baby sent them away- will be easy, your habit within the next two weeks. but right now, there's no real reason. Why you, when you get out of debt, is no reason why you with a thousand dollars so is easy for you, but I don't want to do. I live painted a paycheck, no let me tell you my why Joe and it makes

Try. Google Chrome today rabies show because today, I shall now my show outcry. but my wife is. I watch me Mama death struggle. We never went decent well, I had to put socks and about of my shoes, because we couldn't afford to buy new shoes. We never family vacations out, half family pictures of me and my family. I refuse to be that man from my family are we. views to tell my case. Hey puts put tape on a bottom up issues. Could I can afford to buy new stuff? No, our review to be. The gotta tell my wife. We can't go into family vacation because we're living above armies and when I think, that gives me emotional. That's why I'm so passion about this message? What is why did you passionate of guinea thousand dollars getting out a debt. When you do that, the seven it seems that we teach will become easy problem. and Joe from this point forward,

There is no more hers and mine. There is ours. he doesn't have a credit card and you don't have a credit card. She doesn't have a car payment in Europe for payment. Your the car payment. or in this for the long haul. During this together you know rise all together, and so I want you to after this exercise with Anthony beautiful moment. It should be hard should be uncomfortable issue prior, have conversations a yell. She had a long time ago that you have never had before you to start thinking about what the budget's gonna look like when you gotTa David da com you can download the budget work cheat and you can begin to start. To put some some, in flesh around the bones of why we do so we're gonna be what we're gonna be ripe and a job, If you haven't taken financial apiece university, yet I want you to go Abraham seed outcome, and I want you to grab the sight of her Ramsay Plus. I did look as if

fourteen day free trial right now. It s day, Ramsay, dotcom Forest, Slash reset and after you have the time. Tonight, I want you to spend the next night days watching those videos with your wife, ok and together you all gonna changing a recent. As a matter of fact, you need the wash even with Dave, withholding with Rachel and with Craig Rochelle unit spend these next seven days, resetting your thought process come and which are. Why gain emotional, and you should be cry which your wife tonight on her bed, we don't change to day. You may hundred and twenty two hundred and thirty thousand dollars. Imagine you're, not only body anything at the end of every month. You run away who to give to Will you Campbell s ears walk into a debt free life, but only you can turn around

this is the diver amnesia pay. Folks can comment. I love my burst. Sonic toothbrush studies show that smiling, improves your physical and emotional health and makes you more likeable. The soft charcoal bristles powerfully remove black and will make

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Tuesday night January. Twelve at seven p m is going with Chris hogging Rachel crews, Craig Michelle Dave Ramsay to give you the motivation and guidance. You need to hit the reset button and say good by saying to the money. Stress for good text reads, two three three, seventy nine as reset three seven, eight nine or go to the online store today Dave rooms? calm and get your copy of no yourself. No, your money text reason. through three. Seventy nine grabbed the book you're ready to rock and roll twenty twenty one story, the new book, a new event, get your head right, each family right, let's get this NGO and you know it Rachel asked a good question in a book that convict may very well looking at her, I talked about that on my show with that she said, do you mean a purchase. She said if no one saw The purchase Would you still want to do? by something out of status

or at a safety and was she asked me that question I was convicted because has a declaration on this. Saying they are for, percent of my purchases that, if no one ever saw them, I would have never bought it really. Honest while in some one in two hat for half, I'm just be real border helmsman, transparent people gives a how can Anthony where it will not be a real, absolutely you know, and so on. I encourage you to get Rachel's book because she she's gonna set you and she's very raw inauthentic in this book. To doubt thing this is righteous. Best book comes when we re a revolver. Are the boats? I've read all of them, but I think this right here she kissed a gut why we make decisions with our purchases and wish When I read that her book, I totally, I need your macho because you hit my gut.

and I love how she brace dousing hey if you're buying out of status. That's ok, but at least you know it and make sure you have the budget for. But if your party, think things and not purchase the purchasing things, because a safety, that's ok, too, but wait a minute there flaws in his sight. That's right, and so I love how Rachel just really breaks down this book and this book. For someone always down to fifteen, all be up to nine she's really really really teach us some very solid substance definition. So I just want to say that, because in our own follow up there after talking with couples in couples and pulls and family members. She does great job of drilling down How can I get so fired up in my item? A harsher reason? I get rage when the wife s about my or how every time a husband rolled his eyes at a budget. I just get real quiet or I'll go off to handle,

and she walked you all the way back to where some of these seeds replanted about money in childhood, and then you Married you start dating whatever have any platy scripts over and over and over again, and she helps you o o I'm just playing a record. They got a city, they got. You know than to me when I was a child. I ll have to keep alive and like this, but I got acknowledge it, I'm on a track rice and she did a great job of help, people own wine, why they do what they do when it comes to money like Europe, but in an a call earlier, have more of a scarcity mindset. You ve got more of a planning mindset right or more future oriented comes from my childhood years, going through childhood in their literally come from their right and there's nothing rowing either side, but you got acknowledge technology and you gotta know the flaw. That's right, you know, do I have to know the flaws whatever whatever you part of costs of genocide? the correct way whatever Sir I draw there's nothing wrong with it. Just acknowledge the

laws are whatever you decide to be so I care you know almost nothing. What people think in the problems there are times when I have to get my head like been. I have been missed her life for a year in it looks, looks really right, so there is another side to every one of these. They absolutely absolutely by All this is a git. Rachel spoke yeah we don't make any money off of pushing Rachel's book. Bessie ass, all Rachel, you know, but I believe- and I am really promoting a life chain, in products and this book Is she didn't know we're talking about him, but I just really wanna be like yo hey. I read it I brought my show and I know just Otto bring personnel as almost all, because a personalities you gotta bring some too much notice of substance and the same thing we choice and other rights. We need to talk about this because this is life changing and so get Rachel Buck Day, Ramsay dot com, slash today I'm sorry daydreams! You d come go there today,

and get that book? Let's see here what we got two Christine in Orlando Florida, dean. What is going on sure drinking my car unless I'm a little nervous but happy to be here. If you can help me out, I mean a situation enemy some advice the lawyer with day when these plan- but I do agree with them after you know, she Paypal credit card, and I do so. People can occur. But I'm actually in a situation. Where are you debit card to purchase a trip and fall because last year and I got because a comin understandably, but my bank is please I am unable to get my money back because I used the debit card as opposed to a credit card. I'm not really sure what to do you at five never heard of that it all down what what made the process initiated trip. Guy council? Where are you going

the thirty year up and did painful to accompany the travel, something. Ok, you paid for do a travel company okay, so the draft company purchase a hot inclusive trip. to a particular donation correct to grant. So that's absolutely true can't get your money back, not because as a debit card, but because travel agencies just like airlines do not issue a fool. fine past twenty four hours of their original book? and so you should have a credit from travel agency from and whatever regular airline, they put you on air from whatever particular hotel. They put you out because of covert. Now you can now, get your finances prime example household to go to. Orlando! This week, already but the plane ticket, but because of covert, I am not going so. I have credit with that particular travel.

company now purchases my place for me, I can use it for on the road, but I can not get my money back. I was on a debit card, and so, if you found dispute because it, but he would not will not give you back the money. Your bank is absolutely correct, but what do is I will reach out to the travel companies say: ok, hey, listen! You got a thousand two thousand aroused my money and I get you can't issue refund because a covert, but it also not my fault. Do I please have a credit and when covered over. Will I be able to use a credit my guess, yeah I think Christine. My guess is that they would have with a grin Our company you may have opted to dispute it. There's gonna write you off, whereas you paid cash. and I M your bank assent. Forget you but delicate problems with travel company b. Even with even if we did have a credit card which remain if it's not gonna happen there too. Here's. Why? Because that, Company has to issue back the money and go in

if the company doesn't issue back the milder yours who will stand ready to art or your debit card, or not only give me back to my own ya. Think I understand that the tricky part is actually the picture, but my friend and insanely black situation, she disappeared with your bank and she paid with a credit card. She was busy with your bank and she got her money back and forth so a south? She got a provisional, a provisional credit, Nada actual reimbursement and to do that. So what they do is when you put the issue when we put it, take it in there giving a temporary the credit while Do the investigation, DAS, exact I'm telling you right now. It happens all the time you didn't Get your money back because you have a debit card, because what covers debit card, any credit card is a visa or massacre Loca graduates.

Why they're gonna go back and say that travel companies so that a credit for you, the I'm gonna, take that provisional credit back away from rising to travel comes from, say: hey, you know what they denied this name. You you're not do the money back into Gonna. Take that money back off her France credit card just learn. Some! Do her good folks around my good friend Anthony O Neill. This has been the day. Ramsay show,

line? Dot com, one hundred percent satisfaction, guarantee means, even if you miss measure or pick the wrong color, they re make your blinds for free. You get free samples, spray shipping and with the new promos they run every month. You'll see even more use promo, Ramsay to get the best deal rule in restrictions apply. Today's comes from a lorry in Virginia brother and his wife moved into our family home when our mother was moved into assisted living upon her passing the name was deeded to him and me they ve been therefore for years, and it has been a safety net for them due to some financial struggles. I dont know how to lovingly get out of this financial relationship with my brother. I would rather invest my half of the homes of value into our baby steps, instead of being a co owner of this home

I know we should either cell and split the proceeds or by me out of my half I proceed without taking them while they're down. What do you think you're doing the Sioux says they say I think you're there. So here, but I think that If you know they're down right now,. in this house is helping them now and it's not hurting you by helping them out. it feels kind of selfish she's. My original my opinion, a second this is not hurting you by letting them say there, but You see it as an opportunity to get money to go benefit you personally, and then you gonna say: listen, they're, sell the house or Are you buy me out that the issue is about? I went was given to both of you. So what

say. Is wine just make sure check yard that your ear, your wife, It is for the right reason they to this that the Roma is having a conversation with with him ok, this is what I would like to do it with my portion of the house where you all that in life, how can we? You know the now, the year two years, a committee game plan, I d really having a good conversation, unhealthy conversation. I do believe breeding ground for understanding any ending is communication and a beginning. That's right! And so did have clear communication now but then, before you had a communication, just make sure your heart is in the right place, and I think the most loving thing you can do is to have a direct, honest, empathetic. vulnerable conversation if you're not haven't. I love you not having a conversation than ever the gathering for the last four years ago, but attention every

call your real your eyes. You don't respond. Attack squad as fast as you know, in the De Ruyter starts to seep into the dvd all of the parts of the relationship and then suddenly you find yourselves them in you, but guy live in my house and suddenly man, it's not your book anymore, just some guidest its court on court taken money from to those loving thing, you can do it in your debt on Sudan, of conversation and I no, that you ask somebody for going to do right now. Yes, yes, what you did think it's fair to say: hey my name's on the deed of a house that are not living in our view, a comparable that, let's talk big, you're gonna live in there for years. What you think the plans gonna be argued. My name off that thing and you well in your right to do but also Anthony said if don't need the money and you just want to get your share man. Honesty. Integra with your brother, yeah, and there's a throughout that my father dealt with

With his sisters, I have eighteen minutes and uncles. And I want my grandmother past. She left the house all of the war, and so are they I had to have you know. A little. comfortable conversation. And then what was so good and so fair? Is they had the conversation attract? You can't do anything without having the conversation and lorry them loving thing you can do is not avoided anymore. question. I loved and love here. I looked at how this conversation pans out, gives a shell back. I've gotta Eric answer so Flora Eric what's going on, I would do it John John Excellent, how can we help well, my wife and I are on our dirty word- not having kid yet we're pretty young gentlemen twenties under used, upsets, really excited and where will knowing and

emerged about. We have a stream, Are you strange relationship words my mother in law. Shut up some good national boundaries, we got great evil counselling and we're walking out their relationship setting out that's penury however, my mother logic today, sadly, hospitalization virtually skeered, her attitude already not financially stable and she is now bringing up a conversation in it of putting us all. Our bank accounts in order to judge J, protect against taxes and leave told her? You don't want that conversation yet and we're trying to prepare in our minds baron. Should we just noble No, we don't want to do. Is work really talk to her

he's asking you to asking to put you on or your wife on her checking account or she asking too combined findings, do you and put her name on your account, the first okay. So I've heard this done when when and it's been successful where Somebody finds out there. There's medical issues. There may be early stage, dementia, Alzheimer's and we're gonna get. Your place where they're gonna need or they may be incapacitated and want someone else to be able to just go to the bank. Deposit checks picks up. So that's not that big of a deal it's when they want to have access to your account? That's when I would hold the line on that boundary over what do they get and I I I agree as well Eric analysing it when my parents gateway age to where I need

to be on their bank accounts, I can have access to their funds to help make decisions and move things forward. Yes, there should be no issues with that at all nothing. The only thing I could come back, though, is because, if you can Dna being associated nervous can be attached to it, which so security number when the banks going overdrawn or anything like that that that could come back to you. Could your name is on the account just make sure that you just have a clear conversation and maintenance Take a moment to try to make sure that you will have access to funds to help her out? If anything was to happen, and I think there s actually a great move, you guys are only that's good for you. Man let's see here, let's try to take one quick calls gonna Christian in Dallas, Texas Christian was going on in. rob you bet ya, move up against the clock so give us your quicker quick question. Yet carefully analysed, we'd background. I'm currently arising sooner

universally over London on some currently pursuing a degree in international sports. Grandpa now, forty seven thousand dollars. Then she reminder data without translation as sure as a result of the national locked on that. I can't let you do now I'm not gonna voted a tiered about our minds. Karim on balance, I endorse No one really knows one everything or turned back to normal. Take even longer breaks from school about among didn't further discuss to run on September eleven and allow them to do that. Our group how much cause you to finish it christian. As of now expect graduate with some around seventy thousand job much more cash. Would you need to pay right now, borrow right, as it now pretty Colleagues around fourteen thousand pounds. I'll be right monoxide for this measure, and then I got storm interested in taking apart the term illegal, yet finish the meeting

sixteen or seventeen thousand generator alone. That's why I finish? I want you gonna finish. I don't want you to your last semester. Have all the suit alone dead and you do not have your bash disagree and so I what I'm saying is finish at an to borrow as less as you pass- we can, but as soon as you graduate College, you need it gazelle about paying off your debt, and so, if you are telemedicine your first year, I was ahead, no stop, but the fact that you put almost Are you complete years? Aim is a graduate degree actually used the back end of last semester of a gradual s going to finish

why she finished pay off all of your dad do not get back into school, no more. But my love today, scripture the day is Joshua one nine. Have I not commanded to be strong and courageous? Do not be frightened. Do not be dismayed for the Lord, your God is with you wherever you go

my Angelou said I can be checked by what happens to me, but I refuse to be reduced by it from all Maya. instead it one more time, I can be changed by what happens to me, but I refuse who's to be rich by a lighter light there, and they left this all by what you know it it's almost like in your accounts or some ass indiscretion, she said, and we we there's a cloud just let it she said. I can be changed by what happens to me, but I refuse to be reduced by someone like. Are we a product of of our uplink? They do we all are we always gonna, be a product of how we will raise so set must say it often is you you get to choose your thoughts, what's deeper, that as you get to choose, who hurt you and us of said often Dave? Can fire me

frustrate me? He can annoying you can take away my livelihood. But to choose whether hurts me. And I decide a very limited number of people in the world. permission to hurt me actually went back into the heart exercise, alertness and grad school class at its heart exercise. I call him and told him I want you to know I'm what new way way way in my wife, this particular friend this particular mentor. You have access to my pain and so if you ever call answer here. You are not living up to who we agree. Who you say you want to be right My wife permission to hurt me. That's true vulnerability, relationship right, but I limit that because otherwise, I'm all that people on the internet hurt my feelings among people who remember my feeling seminal it decisions. I disagree with people that I don't know that. Well, frustrate me. You can make me change right. You take job away, but I'm not gonna. Give you I'm not gonna give you weigh down my heart right

and my angel in an old man, a man I love it. one after the other field. I let's go to Kristen in Chicago Illinois, crew. What's going on I found my Anthony. Have you tried? brought to you what's going on. How can we help? Yeah, though I was Nobody asked that I know doesn't necessarily have the right answers, but rather to listen to the Lord and where he had me and act in wise counsel. It even background on twenty nine August Britain's involved. I had signal an emergency fund and more have money put down for a one bedroom candle by July, in so many activists in thus thirteen percent in retirement as of July, when I had my place with that down we'll make the EU is whether or not I should pull the trigger on the candle in the direction of my life. and of unknown in single natural God help me

I mean you're in a great place. Financially, Kristen you get free or young, you are seeing go! Day, Ramsay people always looking for single people like you, so you may now be single much longer, but in When you said I had a creeping Anthony, just don't put that out there we go ahead, I'm just people. Are you two were listening to it? They gonna Google, a watch. now when you say that you do not know, where God has you, I want you to break this down from a little bit more. Like are you saying, got me, you may move somewhere, you may you may get married here. Zoning you made transition, you know cause, I hear doubt inside of you and I'm trying to understand, I doubt a little bit more before I give you my my suggestion.

yeah, you know, has not had the fat boy. I was previously engaged by broke off two years ago and go where I thought my life was going and settling down getting married, calving kids go forth, does not in his pouch, and the last few years is based on the idea of had. I just move the country. You know like experience something new like do. I want a purchase where I grew up. I don't quite know where the desires of my heart now or where, God, you know to continue my life at this point this is a spiritual question interpreted. Question spirits equation. Is God what is my purpose? Where are you taking me practical, whereby lobby and I'm always suggestion to people. If you are hesitant, are doubtful that you're gonna be in this place for at least three five years do not perches wings, can answer this question, as in will He'Ll- be here for at least three years, minimum The answer is yes, then proceed forward in purchasing?

you feel, like I don't know, do you know at the end of the year I may wake up and decide and find a great opportunity mood, unnatural Tennessee or to go Florida or you're, not gonNA, California, don't go to college, you know may go somewhere else, and so what I don't want you do what I worked, but I do want to happen. Is your locked in and now you can't move until you sell your place and care, so what I would recommend is spend the next ninety days just really dissecting your life see exactly okay where we're gonna go apply for some apply for some different career places and see where guy leaves you see where you and guided land and if he is still there and in Chicago they go purchase a home now I would advise you to to speak to a relative, because one room. Current condos are real hard to resale gay as

my name is. I purchased Teresa and right now, There are minimum. I dont consider anything lesson to bear rooms because I've but if I sell it to aid has been a wife who don't have any case well, one day they may want kids, and so they gonna want that experts and so Alan? Maybe you may consider it getting a too a room condo that may just a few thousand dollars more rather than just a wheelbarrow, but dashes my advice. That's that Ramses unbiased S, not John, did only survive. Obviously, as a young single guy, I'm I'm thinking, Ok when I go to resell this the baby to resell this for family, not for another single, so dashes mama. Is but right now you spend a next. Ninety days is really, about our where you gonna be Christian, do have somebody to speak in your life with you that you can be honest with an open with. I would certainly have a guy search community bad

anyone who like to talk to which our co2 there together I've been eating, Preacher Church called the Orchard sounds good scarcely had the great community just can't get wisdom, analogy there so Anthony it is the question that thumb The barrister say: I've never considered before to sit in the for a year now. I've. Never felt the need to do the next baby step. Because I've got the money to ripen, and so you put your debt? Small two largest should get a thousand box. You pay your debts off. You get an emergency fund start. Investing have to buy a house. Now you don't I, I have to say, five to an unpleasant, have kids right right in so once you have these options or I want you- gotta fully funded emergency fund. Then you get to start.

dream and like she was doing, but she was doing almost apprehensively like I could just move anywhere Europe. No, I could. I could go work over here. Go live over here and that's call freedom, guessed right. Yes, have you taken care of this base men on stuff, in maybe one bedroom condo in downtown Chicago is. bedroom, housing, Maradona, her Austin Texas or wherever that happens to be right. Maybe so, and I think the key figures may just got a step back and just asked, serve some good questions? You know as a single man I'm always ask myself. Gecko was necks and then I am also ask myself. Ok, I don't know I'm going to meet my wife, but will This decision that our make impact my wife My future family in a positive way- organ- if way, and so when I purchase my home, I built a four bedroom home when I Just my town home, downtown approaches of forbear, room total catches me because of where I met

Everyone needs to do that, but I'm all I'm all. I'm already think about what I desire I'm, I'm living below my means, I and I am, creating space when God does sent me my wife, I have room for me. Why am I feed your family, and so I think, as young people we discuss our thinking about this, ask ourselves some deep questions.

That's my mentor asked me ass from a passer ass makes me think, think producer James Child and associate producer Kelly Daniel. Thank everyone for sticking with us and for call an end asking about Life Money Julia Weekend, fines and people, whether electronically over the computer or in person safely. Fine people spend time in your heart with on Doktor John Aloni Joint here with my friend Anthony Neil we're signing off. Then they Ramsay should have a friend or family member, the needs of daily dose of Ramsay Advice and their life. Let them know about Ramsay call that a pot gas, it's a quick of advice about life and money in under ten minutes check out the Ramsay call it a day. Wherever you listen to me, you ve got questions about retirement, investing becoming an everyday millionaire, go beggar and broader with my man, Chris Open on the crucial venture. I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building well investing in how to become an everyday millionaire subscribe to the Kosovo show. Wherever you listened about gas hates me

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