Live from the head waters of Ramsay solution. Broadcasting farmer, studios, Dave, Ramsay, show that is down casual gaming, paid all over the place. W status, symbol, Andy Rams, your hosting thank you for joining us, open phones or triple eight eight to five five, two to five: that's triple eight to five: five, two to five My co host on today Show Ramsay personality Chris Oaken Number one best- selling author, so hey but joins us from Canada.

Our first cholera the hour. I shall I bought up. They didn't closer you better than we deserve help me out? So I request No, you recommend between eight three six month emergency fund- and I was wondering, if you be able to help me, put a dollar amount on what my emergency fund should be. Ok, we'll talk what what's your household income right now So I'm a student right now, I'm twenty one years old and I'm thinking in Europe. Glory. Not doing an internship. Very tells us wonder what my foot, winning income. What should I set my thing to be so in the next year that I'm taking up a projected income of about ninety five thousand but I'm just wondering, since I'm gonna be going back to school for another year, does not affect how much I make member disciplined ok so you're gonna make ninety five thousand in this in, while you're out of school, that's correct! Ok,

are you going to be living. I'm gonna be moving away for ginger chip, ok, and so will you need to look in kind, where were you gonna be running their rent, while you're there, your general life expenses, though I would tell you hop over to look at every dollar dot com. It's the best budgeting toll on the planet and even though you dont know exactly where you gonna be live, and you can start a ball park, some expenses to get an idea of how much to be spending or needing to spend each and every month I would say as astute you know your salary is gonna, be this ninety five thousand over that internships over three months of an emergency fund should be more than enough three to six months of expense, slept so calculator expenses times three or say. That's a standard emergency fund and that's assuming you're out of that, and you have the money to finish school. Do you

I should, after the internship, should have enough money. Looking are you out of that money that gas hooker very good? So that would put you in a baby step. Three, then, which is three to six months of expenses, and I want you to say that and which is safe enough to finish school when those who really Your major priority so United Way when you think your expenses are gonna, be a month or so I He went on every dollar and our party done, like my expenses to expect a month with rent and everything. I'd probably be around. Two thousand are like twelve hundred dollars per month. Could I want to try and save as much as possible in this emergency funding built it up, but I mean you're gonna eat highlights in water, and around four thousand bucks a month can be about. Twelve hundred is what I expect you something's awfully cheap here. I was very low. You have like eight roommates or her who you lived with. I am living with a bunch of respect that

Annabel luscious round up to two thousand, given that you're dealing with ninety five grand okay? So if we round up to two thousand three terms, that would obviously be six six times, I would obviously be twelve so six to twelve thousand obey the range. I would look at in your situation somewhere in their view, ten grand sitting there plus enough to finish school. You we call out of touch down in your situation and that's a decent internship due by the way, I think Ninety five grand I mean, I know some didn't Didn'T- have that one I'll keep working Dianas in Massachusetts they tie in our Europe. How you better than I deserve. How can we help. Well, my time I got indoor longer growth in shopping last August and she had a rather large satellite coming to her and I'm trying to figure out K she's currently for your. This money is gonna

labelling can never mom eighteen when she can use it for our church, ideally or whatever. She feels to do with it. At that time need person. We, I m still work number you got q, I'm like I don't even know how to put this money were, allow it you're going to help me assuming the court allows you to what I would do with money for invested for a child in this situation, as I would invest it in good mutual funds. I dont know that the court will allow you do that. Sometimes they have a lot of controls over a settlement. I would not. I would try to get a lump sum settlement. Assuming you keep you hands off of it, but obviously sitting in the bank. It's gonna have a horrible right of return for eighteen years. It's gonna become worth lesson

every year, because you're not gonna, even earnest, much interest as you do, as they rate of inflation is, and so I would. Rather you have the money invested, but I'm not sure how much power the court is going to exert over you. They want to make sure the childish taken care of, and sometimes they get rather stupid. In the process of that, you have any guidelines from your attorney as to how that how much structure they're gonna put on this is my understanding that I just have to sign. This is where the going as a brain on the initial form and what is the range of dollar amount, you're talking about the settlement between me and dirty twenty thirty thousand ok, what happened to the child,

We were in the grocery store and on vertical shalt. Thou in hitter directly in the forehead idling Asian would have my long concussion, o termites drawing. Is she fully recovered she's doing decent now we have my followed with acknowledges but energy over a four year old, goes to see a lot of incorrect or for a concussion, but according to each barely services had upon what that better, as if it was your father, Our group will you- and I have actually spoken before day I had happened- finally, the medical got. Perhaps you re myself? Oh, my goodness, even though it is making the Dave you're right, you know getting that money being able to invest. It's gonna be a better

much better option for your daughter in the long haul. Smart vessel pro will be able to guide you with that again. If you have the freedom to be able to do that, that's that's the way to go. I do know when we work with people Dave who are getting life insurance settlements or excuse me, pay out. We to advise people to park that somewhere in the money market account just allows us to breathe for three to six months, as you make decisions on what you're gonna do go and forward. If there's a grief, situate right out with his life, I'm simply going to invest the money rife again. If the court allows it shut down with Chris, I would just click smart vesture at Smart Vesture at a diver Amazon com, it'll drop down list of monetarist approach near area I sit down and talk to them with the harbor teacher they'll advise you and they may even it in the court indication that the court makes it a shipwreck.

Serve active investment. They may be, will even help you with that structure, rather than simply putting it into a cd, a certificate of oppression, sawdust, Abraham, she'd outcomes, life, smart vesture- for those of you trying to figure out what to do your stinguished catch stimulus check, I'm up for you to stimulate your investing, get out there This is that I rams Asia.

we're spending some extra time at home. There is no better opportunity to protect your family with term life. Insurance. Zander insurance is open for business working remotely ready to serve and you, the best rage, add this to the top of your to do list and visit Zander dot com or call eight hundred three five, six, forty to eighty two to get this taking care of its quick. It's easy and now is the time to get it done, while rights are still love, that standard outcome recall eight hundred three five, six, forty to eighty two like your joining us America, Chris Hogan, is with us as a co host today, already Ramsay show Ramsay Personality selling author Aaron is up next era,

I wish I am. How are you pity, Dave he Chris its pleasure? Taught you guys you two. What's up hey, I got a question for you on my mortgage me. My life had been talking And were kind is wondering: is there a time in the baby stats bad, it's better to refinance, or you guys have as like a guideline or is it just kind of whenever Ok, so Aaron, you guys are on babies that number two, but the big deal with looking to refinance This is really a matter of the math. What's your current? straight on your mortgage. So There were four percent, and so you had four percent. What are the rates going in your area for right now? As I was looking into, we ve been looking down for a couple weeks.

They like three and a quarter to nine eyeing. It's like really really good, but I think that's, probably a larger portion down asked where your hat, and so I magic galling that three and a quarter and then you're at four, now what's your loan balance, so we are Britain, twenty nine kill their products we shall only say three cordial point by doing this gap, and then my big thing is to get rid of our Am I so we're right at the point where we can get rid of it with being twenty percent of our alone devalue plan. I was the nerve agent, Apparently the p m. I gonna be there for our long half a while. You might be worth it just to do for that. Plush, Wilson, The report, are you not stay in the home? We I mean we talk about probably another three or four. I simply five years

at a time when we have another baby you're how you do the math, you take the p M on savings plus a thousand dollars a year, which is roughly three quarters of a point on a hundred twenty thousand yap yonder. Exactly it's point. Seven five are our point, o o seven five times or points point, although some bad or points of ours, what it'll be? I'm short, no point, o o seven five is what it'll be terms: Hundredweight thousand get exactly what you figure out: the interest rate savings and the PMS savings. Add those together annually. Divided and your closing kasza tells you how long it takes you break even out for your annual savings. If you take you two years to break even in your only gonna, be there are three years is probably not worth screwing with shared probably the longer term with or like the longer we stay outta there.

The game that is actually bars. No gravy on the biscuit to recoup your closing costs with the savings. Ok, I was even looking at everybody. I used to work with quantity. People and they already finance their houses. Do this bank that didn't cause they didn't have to use any closing cos I did a streamline, Rollin streamline refinance which has no clothes. It goes much higher interest rate. Ok, which does away with the need to streamline refinanced rotten polygon bump up close to what you rate is, unfortunately, with if a j you ve got that be a milder for the life of that law. So until you go convention old and their unable to drop that it's gonna hang around

you guys they did just make a decision. You and your wife on how long you gonna be there and again. If you can see yourself being, therefore it for five years, then it could be something definite move forward with any less than that assists, not gonna. Make sense now add up. Add up your pay. Em I find out what the closing culture as much as a panorama savings in a year by getting rid of it as much as the three quarters of a point savings more than a year and those two together and look at that versus your clothing ass. If he can break even in one year you mind, I don't know how how egregious the p M eyes on your deal in so, but what you break even point, Are you gonna, be there mean a long enough pass that too, because there's no joy until you break, even though you wanna how you gonna be there long enough to have some joy? every one years were the joy and it's a thousand bucks got manner is prominent worth all the trouble, but even if you're gonna make through four thousand dollars food with this- and I definitely worth MIKE is whether some Michigan MIKE Welcome

they were amnesia all thank you, Dave and crowds manner. The dog to bother you guys do very well. Great things were a lot of people and I do appreciate it. Thank you. Very much must not like what my question, as you know, on looking at alternative investment and other than the mark stock market, and I ran across a couple of investment companies that do as it back acid back when being like. I'm real estate, oil and gas to stress that in those kinds of things curious if he had any comments, one that will have looked at him? over the years myself in a bicycle in the living businesses what it comes down to, and can you get good enough? Do you do

on the documentation and an actual your position on the asset in order in order, if you have to end up with the asset, if you end up with a collateral where you gonna stand on it and I haven't found any than I thought were worth, the trouble the numbers, the risk for the risk profile on them, fell so high to me versus the return that I didn't feel, whether I don't like risk, I don't how to play the slot machines play roulette, don't buy Bitcoin on a bus, single stocks by gold, I by mutual funds and real estate, and I pay cash for

and on- and so I mean you can feel that if you want, you may end up with a few points, but you may end up if you had idea David, I can remember years ago I was coaching someone that went down this path to the tune of around close three hundred thousand dollars, and it was all headache, red tape and headache. So it's it's not anything. I would fool recommend fooling with knowing what I know from those instances. Here's the thing might mean you can do if you won't do it a is, is it parts of it? Are the parts of the business of gotta eat? You can get screwed so just be careful that this part of the business that are straight up issues the risk profile verses returned when attractive to me, another one play with it.

Here s what I M coming from on that as I built wealth the second time I started hanging out with people that had money, and I started learning from wealthy people when I'm not talking about one may and dollar network them. Talking about in twenty thirty million dollar net worth three hundred made or to our main, whatever substantial wealth and in every case, with maybe two exceptions, but in almost every case they were self made, meaning they started with nothing these workpeople that inherited money. But what I found was, I always I grew up on the south attracts where rich people were like mystical animals like they had special powers or something, and they were over there in the mist. On the other side, the tracks like unicorns, leaping around in fields of skills or something I thought and rich people were mystical, and once I got around them, you don't I found there

plain- is an old shoe. They don't do double back flip family partnership limited this or that site they don't they just and that their investments are just boring. They just invest in stuff. They understand and some of the other is people that it can be a business. Wine that they understand by those same kinds of businesses, I've got a friend at the billionaire is worth about about two and a half billion and he by businesses, in the same line that he made his original money and dramatically consistent yeah. They just don't do fancy star. There are not looking for an extra couple points by taking a curious thing. This is what got me here among dance with a girl that brung me and

It was, I just wanted more sex appeal, it'll just boring and cried and there's not fancy, and it will end it was that define what they like that works, and they do a lot of that and the vast majority the time it is not high risk stuff. No, it's readiness- and usually this when you move, we ve been through this millionaire study. If you got a plan, Stick to it. It works my ribs networks. That's how we do this. But they were amnesia

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Spired also number one. By showing author of the book every day, millionaires Kalen is with us in Canada, I Kalen. How are you Are you better than I deserve? What's up shouldn't for you guys, I'm looking to move out. I have no doubts about the thousand dollars and savings. And I was looking around on real single sites and I found a mobile home. That's for fifty thousand. There's some kind of disarray, but I have experience and renovating could renovated, or should I say another year and by a condo four hundred eighty bypass out, I am twenty. In your experience,

Have you observed mobile homes, value changes and if you were to gas and say this, fifty thousand our mobile home with you, put ten thousand and run of Eddie? Yes, sixty thousand dollars in it. What do you think it'll be worth in ten years as I had them too much in that part of the of the home ground on day. When I'm not sure what your gut feeling tell you that that mobile home is gonna days, you gonna go up in value down in value, probably not very much, in value for the outcome to go up in value very much now, no more, but all that I'm just yeah propaganda but I'm just trying to go down and valid Clicker that Canada is going down in value, gonna go down and look at its color. You sleep in ok,

as for a piece of real estate, we don't Barroso that we know has unknown track record of going down in value. They simply don't go up in value, and so that's why we don't buy em. It's that simple. It's not because we're snobs is not because we don't like em it's not because the construction technique is not because I am ass. They are they just don't go up in value, they go down and value. You got the wrong. Why so I mean the Christian I'd. Wait! Galen, I mean mushroom, like you, said, wait by condo. This is something that's going to actually appreciate. I think that's the better plan for you and the long haul. My friend, you want to make decisions on your finances that that near from now? Version of you is smiling at the US whenever the decision is in you getting ready,

turned this amount of money into less money or more money, and over ten year more. Please I'll. Take, moreover, that yours and you know here's the thing and integrate question Kalen, whether you're twenty, whether forty or whether sixty is still a great questioned, bring up in a week when I first started to show crushers gotcha study that showed that wealthy people, the especially people people who have built their wealth, different planning window, indifferent mentality when they're making a financial decision the where there is no vision the people perish, and so what the study showed. What, was that wealthy people, when they're making a decision have attempted to ask themselves how's this purchase or this investment gonna treat me ten years or twenty years from now and people who are broken remain broke.

Or and remain poor tend to ask tend to think in short planning windows like thank God, it's Friday, oh god, it's Monday right and show it, adults devise a plan and follow it. Children do it feels good, so turns out wealthy people just don't YOLO, that's right! Yonah level, gotta gotta have a part, we can, but I will not say that wealthy people don't have fun. I decided I don't enjoy themselves is not decided these things as in the process of building. Well, that's why don't live in a cave like Lynton Repellor button triple Gabon Thursday, but they are, but they do think about their purchases over longer periods of time and even for that matter, when you're sitting there in saying. Ok, we're gonna go on a trip, and is this trip something when we look back on it? That's gonna, be a high quality memory building true up ten years from now, or is this just the boot,

Scrooge for the week in which you don't remember what outright you know, and so that is a different matter I'll, let you know you're absolutely and when you go on those traps are where you see the wealthy people. When you go on the other traps or where you see the others, the other kind of you know you're, absolutely right Dave and that mentality you know is in that and look at it? I would think why. How is it possible to outgrow that or to shake it off, and it really is The decision? If it is a decision- and you know I'm seeing people- you know the battery member that we had on earlier, who you know talked about her family tree, how they didn't do well with money, but for her. She does I did, and I just I love the power and that that regardless of how you raise you can decide and you can pursue just like that of next is gonna, be John in a day A John Welcome that I ran show how congressional David curves, like that. Like him, I call sure, what's up

My question is my wife and I were on steps for five and six I'm in the military. In about a little over a year, Are we getting out will be moving back the Missouri, because my question is: is I'm so to get out? I'll be going over using the g. I will go to school to become a pilot, hopefully, and so for the first pillar Training I won't be receiving, in allowing that comes with it. So I thought process my wife was that we would save up as much as possible down payment on our own, so are. Payment when we get there will be as small as possible. A question is, should I do a little bit less than fifteen percent investing for retirement during this year, so it allows us to save more for that down payment our home that you're gonna stay in that area? For how long

in Missouri will be there at least three years. For me to finish my flight school did you can be transferred somewhere else after that correct, I believe so. Just a saint Louis. No she's, I it'll be in Springfield Missouri, ok, what the trick three years is caught on the bubble in terms of the: u buy or not. You might be better after rent, and so let me give you a little bit a math investigation that, due to the side number one answer, your question yes, if you want to slow or temporarily stop your baby stepped forward to do what we call. Step: three b, which save up for a down payment. People often do that. It's not unusual at all. Leave its only for a year like you're talking about occasionally answer questions? Yes, but here's the number! Ok,

and on the number is you ask your real estate agent in Springfield in ever heard that you're looking and what there's two numbers, what the average appreciation of homes has been? or year for the last several years and they can pull. Opposite embellish statistic on their computer pretty quickly and the second thing average days on the market de away on its called and so Usually these two numbers run together mean hey low appreciation, would because we have a long days on the market, meaning that should pretty coal market two hundred seventy days on the market as nine months and a two percent or three percent appreciation right. After three years, you're gonna lose money and have a hard time saw in the house by the time you buy expensive. You say I did that.

Yes, the arterial type, but if you got a ten percent pronunciation right an days on the market of eighteen days. You gonna white hot market. Thanks gonna go up. There percent you're going to sell, make a bundle on it when you leave and you're gonna yell touch down as you do, rather travelling right arm, but by probably honestly somewhere between those two numbers but tipping They longer days on. The market is going to indicate a cooler market and you're gonna see a lower. Creation right in that particular area of town. Around Springfield not reveal has an anomaly to it such really work. Into because of that huge tornado mesh they had a few years ago, there was While a housing shortage there, which might have done The prices of show you a check on it see what the statuses supply demand there right now. Looking into more

the time which our people verges on the military, you're gonna, be there two to three years, most the time you're going to make money you're better off the rent. This but I m sure power structure that day thirty, seven five committee or where the Lord Trust in him, and he will act we'll Craig accountability- is the glue that bonds, commitment, to the results Josh. Is whether such Michigan, I Joshua welcomed that I Ramsay shall be incurred so excited man, God,

Are you sure we are here you got a month ago. I went crazy in the greater part of the union there. I thought solemn everything, but the kitchen sink. That I had never seen my jack wall. Going nowhere, I am only fifteen grand in debt my home, I or forty again my home, Lake property across the street from here I recently bought five years ago because it gives me like access to private week now I saw that around twenty four hours. Which would obviously all my dad boom dawn, except for the house. When I can have the house they are less than two years. My issue is an that I might that later, because it's a late that you can't find a lot on I've lived there for eleven years. The neighbours, but hey, I'm living where I live forever I need help deciding now am I look back five years

and say. I would like to add that we block you go hang out on now that do I've got it all I condemn inhabited. I'm gonna die them before Dave Dusk was Dave, Dave loves water. And has had a passion for what is your household income Joshua I made last year before tat limit around seventy get round. Suddenly gay, and so you ve got forty. Thousand left on the house, and they did you you owe sixteen Graham and debt with her. Ok, is the sixteen thousand on gotta guards vehicle mattress. It's perfect that having been argued Joshua, you find as the mattress ok, listen, no more! Okay, now more on how much is the car. The vehicle? Now forty five, five, forty nine are no matter how much you just say:

I would not say that that property, to be honest with you, just for the fact that you are going to use it, you are going to find some enjoyment. I would tightened get serious with the income that you have about paying off, you know now of the other day, you don't have a dead on the property right, then I actually war. By refinance my home, go here I rolled back into it to pay it off, which is like dollar. What I or my home by little thing, do you show your day, Somebody gave, I believe, that if Europe ingrained in cash on your kitchen table, That thing I now not, why do you have it, but I don't know Finally, could I won't answer if you're twenty fourth more so the Miller your table, that's what the watchword right right and would you bought it the answers you might. Yeah. I might now so right now. You might not sell it Yeah I It's ok! There's! Not if you told me

never used it. There was an investment right and you didn't get, it was just a you know, an item and you can about it if it was in another state or some like they have shown a heartbeat across, from you, you go over there and use it for access to the like. It's not that big a deal you can. Your dad it inside of eighteen to twenty four miles inside of twelve to eighteen months, magnetic the money you might not counting house you're gonna be fine and what you do is there is a shortage of these large. So if you ever do move in Savage easy enough because in five years, I'd I'd like that, property somewhere else, but I still want that league. Why? Why do I make sure that was making the right decision by keeping it out? I don't hear anything the huge again if it was If you owed money on YO, two hundred thousand bucks on making the kind of money you migrant now dump it. To be out of your league, but It's a fairly small number, considering

what it is and where you are and is not blocking you for from you, no good financial sheet. In a fairly short period of time, Natasha is whether, in California, Hyena tell you, how are you Hi, Dave, I'm doing great. I was actually calling for a quick question for you. My husband and I have a forty five thousand enough for Should seven b account, and we are thinking about pointed out and see. That's ok, I'm with its more choice to pull off about six to pay off about sixteen thousand dollars and that that we have now. The issue, of course, is that half of that would go to think that all taxes, though it would literally just click I regret and you would have a ten percent penalty. Would you donors at the bees right right? Ok, yeah! We dont behaviour out retirement to pay off that, unless is to avoid a foreclosure or a bankrupt.

Got. It all came call me out of here out in dollars and attack because of the huge haven't you been on and you're, not you there? You are you just got excited about getting out of debt and you're willing to do almost anything reasonable to do that. So there you go, but which is a good thing. We just need to do right, yeah, we're Drawside, hustles, third and fourth ones, to tell you and you and your husband getting on board and committing to that, but I don't want to their budgets. Gonna, be the game changer, but don't much. Still from the Future Euro clean up the present mess. You guys can do this really is in Utah. I really welcome the diver amnesia Data. We're going better than I deserve. What's up in your world, Berkeley is used for you do but was not for a while now. Thank you. Like you, my question is: how do you go about writing one

advice or renting my first apartment to their rented before ok? Do you have a credit score No good the thing. Is people believe that a lot of people believe that is very difficult to run a partner that credit score and Anthony ordeal did a little experiment the other day in our area and posts that the whole thing on Youtube of him only apartment after apartment after apartment in our area and hey, I'm moving from out of town your credit score, but I've got the deposit Hannah. I've got my job. I can give you proof of a job and all of them said no problem They all said you know you got to be some one, unwanted, let export apposite for six months and they would get it back with something like that. But I don't know. Growing, I can run apartment and he fell only found one. The gave him hard time shall you can. You can do that and then, at the time, it's just a shop for something that is reasonable, because you know you're not gonna, buy

you're, just gonna live there. It's glorified camping Don't turn ammonia Riley? Are you gonna be livin with roommates, or is it just you mine, closure and mister I'm sixteen years old, on trying to develop a plan for next could be used to move out. Call. Oh he sixteen he's with developing a plan over the next two years. Dave he's a planner ya, think just a little bit a few years out some hours driving? Barely you law, hugging concealed, we are getting our wonderful, okay, so Yes, the answer is that it I'm your renting? It's because you are at a stage of your life that you're not gonna, be in the area for long freshens college. Are, you, are saving money to buy or

Working away out of debt or something along those lines and all those cases we call rent patients, it is not of life. It is where part or on hold until we get the house and so rent is not evil renting over a decade or too is not gonna, be a smart move. That's right. It's just a short term thing, so you're buying patients. So how much do you want to pay for patients? The least amount possible right, so you read something. Clean and safe, but not necessarily fancy you don't need the racket ball Court, the skylight losing that that everybody thinks they need. What's gonna work, now remember an riley, I would tell you I would work. The numbers were you're living on your own, meaning just you if at all possible or someone that A friend, that's rely on my usual well Dave. He dead meat

two to three roommates and their. What am I gonna act right, I'm afraid you're gonna be smart. Guy right, you got a couple years. Look good! Do references on these grounds. I just didn't take an application friend application of James Giles our producer thanks for taking care of Canada and your social pollution phones going to Chris Great job they deserve. I am Day Ramsay your host, we'll be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace and that's what daily, with the prince of peace Jesus,

in the middle of these uncertain times, Ramsay solutions wants to give you some hope, for the very first time ever were giving you financial biodiversity Brie free for fourteen days of Abraham Zidoc arms like oh, so you can watch from home money isn't the only thing we talk about around here. Get life. Changing advice on your career for my good friend and career expert can combine all the Kim com and show, according to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're, just trying to make it to the weekend, can Coleman show is for you, everyone has a sweet spot, yours

spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is you were born to do and then we'll help you create a plan to make your dream job a reality. You matter and you have what it takes, joined the conversation on the can com and show hear more from the Ramsay network, including the current com and shove. Where ever you listened about gas, hey, it's you producer of the Dave Ramsay show this