The headquarters of Ramsay Solutions, broadcasting from a dollar car rental studio. This is the day Ramsay Show or American hangs out, have a conversation about your life in your money sitting in four Dave, I'm John Bologna joined my good friend and best selling author. Then he o Neill we're taking your calls on life in money and everything and between Athens, we dawn of tool, wellmere excellent excellent, excellent: Let's go you before

The phones Anthony podcast doing my man, historic Gray, broke, who you are? Wait a good man. I am grateful for this there is still a man. So we can talk about a man I want gives farmers there's gonna, be all right all right. Let's go to Shambley in Honolulu, Hawaii Shirley, how you doin Have you tried and also with you in good good God? How can we help I will quote desolate background. My husband, I am were made. I am firm and determined pregnant with they face trial, as I shall we, having studied the Davies that get pretty well so now on the programme? Just get the age following gave: envy honesty, brown. I want you Eddie Odin had like the general knowledge of your programme, my husband and I we we do agree on one thing that we win. You could get out of an

and you ve read earlier with them the Christine answer to Christie about? We share that we share income so good for you. We agree on that. Let me also come from different backgrounds, so we kind of money differently and we spend it could only have different ideas of how he stated as well, where we going get out, get back as soon as possible. changing, argue aid and get my questions after thinking like even quick, ovine ale in Algeria and the only question I only Butch Addicting spit out that I need help with before we, cited in the programme. Is my home thing. He resell she so he like in the shooting and hacking Please note that an absolute yeah he's How do you, like you, love to do it

He loves shoes. Nike shoes deal with all that that you like buying resell them He uses credit cards and they now gave rationally programme. It is antis credit cards I'm a little more proud getting caught. checking account Ethel better using money. I have but he might be the credit card because the cash back as well. You know we have a rocket, then get cash baggage, but I dont know how you shoot like leaves going into the programme. If we take it started and we ve got a lot of data unlikely. I just hate started already. We have child then just more day now that you're, absolutely right, Annabelle love to have a conversation which husband imo. I wish she was. There is either. Here. You are put right next to me, the political problems getting some man

I'm the one. That's I want do the programme is not answer. Dave Lamby Bird, like you, want to understand it and have a clear path before he gets fired. Yes, good yeah, I'm talking about issues I the to talk, you put. It must be that way. lamentably Spinoza weren't bickering, I'll get which our last night like you lose your mobile phone, in Somalia, Somalia, some undergoes a rather sensitive right. Now here's a theme and I'm not going to talk to you about your business opportunities. You by your two being or want to court. Ok, Thank you too, Going to say, hey we're gonna get out of debt. You can't build get if your racking up other dead guy you can get out a credit card dead. You can't get out a bill dead if your racking up other debt, even for the business something before we can address the bay. This side of things, brown eyes.

You and your wife need to get on the same page bay is out, a goal to be one hundred percent debt free. If that is our main goal, then we both. Both sides are going to work towards that end. Go in that go means we can have credit cards because we want, car points and we want war points because gonna happen. Broom! Beware! with joy? Ass, a brother deprive get something is going to come, but that's not an emergency. What you gonna do is putting on the credit card, because this viewing it So what I want you to do is before you kind of everything criticised about curtain up our you and your wife taken on the same page. We you to get on the same page then back track. There are what are the steps We need to be doing to get to that goal and if that guy, they used to be one hundred percent debt. Free media cut up, Your credit card still run you business grandma. You can make money flipping shoes,

we join our parts, but how We can't load at in bill cash from there. You know so not without work. Come for you could you demanded the house our respect, the king at a house obvious, ass. It came to the house just make sure you and queen come to get on the same message. Grabbed the same goals. So here's what I'm gonna do worry. Ok, to give you two things: one because I like giving away my stuff into Gaza, given what other people stuff just don't give way, muster, not gonna give way and stuff and not do that. Each origin. I mean for guys just Whaley role. So the first thing is winter: baby do July July. So on give you guys a ticket to the digital, night, the money in marriage event, it's comin up with me and my good friend, Rachel Crews, Dave Ramses daughter on February. Twelve,

sinew it! It's! U can be able to have this date on your own couch. You can have proper feet up, We're gonna walk you through some things that are challenging couple. in marriages acrost across the world right now, the last year and a half has been a zoo and how you can come together practically with your money right now. In the second thing I will give you you and I've got faith in you all in do you live, Give you a year's subscription a whole year a year subscript. Shall you got today, Ramsay Plus, which is all of the Financial Peace University Mall of the videos you're going to Jim together, you're not going to get there, we can do together and it's gonna be with a year. Is supply subscription to the every dollar at your can be too the other in our fine. No high, no cheating, know nothin. You can't be too other. Unless you can

real hard together. Common together, you're gonna build a marriage. It no one around. You has you? Can The light on a hill for your friends who are married and that babies a combination of marriage of peace yeah, I'll, get to laugh yogurt to play, you'll get to be silly and you're, not only pacing the floors. Every night wondered how compare built! You! Ok, you! I love you so much! I wanna be that breaking with the boy. Did you get free with our money in this Thank you. People will join you in that go in its Yalta. legislation is ok together, they start

I did, and they start today to couples like that. You hear them and if they also get us get wet, what would it be that bar? That's what we want calling in today ranch a whole fairly trees about to be different, but because these juvenile stand up into a different on proud of our hearts, we have the heart I dislike given away Dave stuff, I see dribbling. Eighty five five teach you five gives us a sham. This is the day rams issue. First,

at last, it was one of the best decisions of my life. That's what Neil em said about using timeshare exit team to get out of his timeshare after the resort refused to let him out, listen. I've said it before. If you ve tried selling your timeshare and can't if the resort refuses to take it back, call timeshare exit team, the people, I trust, call eight for four nine, nine, nine exit or time share exit team dot com. This is the day raised. The issue of John Bologna, like good Green Anthony, O Neill, give us a shouted triplane. Eighty, five, five, two to five: that's Tripoli. Eighty five, five two to five talkin about life in money. When it comes to me

big life changes like buying a home getting married having a baby? The last thing on your mind is making sure you have drawn Oh, please, the right insurance coverage. I get it Big changes are overwhelming. What even more overwhelming is to find yourself in debt, because you family weren't properly covered. Having the time or energies, what's keeping you from getting the right insurance cover coverage, useful of our endorsed local provider or eel be inch. And agents to help eel peas, dependent agents who find you the best coverage best price free of charge, that's right, an independent agent shops, a variety of insurance options, finds you d best and planes all the technical Ngos. You know exactly what you're getting for free, do text ensure two, three three, seven, eight nine to get connected with an eel p and let a pro help you find the coverage that fits your life.

insurance to three three, seven, eight, nine I go to Jonah in Pittsburgh, Pennsylvania, Jonah, go on. How can I help where'd, you get it all right, Absolutely man, what's going on I see We need a lot of my grandmother used by police and other boy where they found, I heard about that. Day I don't see that it does not do that. but it could have done it, but I'm not got a letter saying: don't tragedy, emergencies, the money actually

let us go on Youtube anomaly mature! Do it right? Could I don't get the three our job security Are you trying to tell you? How are you much twenty five years ago, inheritance and so on. You have a fiance as well as some of the children. Ok, you have a sign, as well? All right sounds: does he a twenty five year to get married. You have one son, and you are three thousand thousand dead? I think is that you build a portfolio of how much that seems already out of vehicle. And then you have a twenty thousand object comedy. I guess I'm not really word by the hair to check right now. I want to talk

But what are you doing as far as in creating a solid foundation for you? What are you doing as far as a career right now? Twenty five? My job. I grant you really are you gonna? Do you know what he's going to guide all that debate to teach? Next week the yearly luck gas that far Do you live here are two of the treaty you should see or hear focused on earth in color authorities. Cooperate to the people, the long and opportunities to catch Looking at the outset, me ok, so great!

here's a very first thing, I would say you MA, am this inherited check, I will go and pay off. you credit card that right, and then when it comes to your your portfolio, Djibouti you're? Not really in a place yet to be to be investing. Because you don't have a job stable job right now For me, I will be focused on getting you a stable job with stable income, especially with you, to be a the provider for family. You have a wife and kid. it s about two you know be moved back to, been with you I'm looking for a job and and in looking at. Ok is school right for me right now. Ok, vast kind of questions that I ask myself what I'm doing I'm stepping back and I'm looking at that twenty years of my life. Where do I be when I turned forty, five years old, and how do I get there? Don't wanna be a good father. I wanna be a good wife madrigal, wherever that Father A good husband

Do I want to have a solid job and what you answer all these questions, and John. He needs to work backwards. Right now are made, but you got this twenty thousand dollars s great pay off your debt. Do a set aside. The resident money seeking cash flow, your wedding, that you have come up and honestly men are. I'm nice, but no more than two to three thousand miles from awaiting this is a you know the money there big wording, knock it out, get it done. You need emergency fund. You got a little one. You have some kind, the bank and then I guess he said you gotta start hustling. I know you dream of being a professor. That's our hard job! These days, you're, getting a rare and rare to combine, I don't want you to do- is go to grad school with this dream is gonna, come true, seven years from now get at one job, three jobs: sockets Romani women stuff you're gonna Andrew in Houston Andrew? How can I help MA? Am thanks. I may tell you quit back story,

huge fan of vanity oils for a while, now the other that Greek written class nine years ago about marriage nine years ago, making fifteen dollars an hour, didn't know anything about money and opportune that last working towards just understand a money in now. Nine years later, but maybe four hundred thousand dollars a year. My house off my car's retailer. Go man, a journey that got there now My question is at eighty granted, the bag I dont want to buy a new car. I felt that the waste of money at this point- my life, I want to invest real estate and trying to stay alive. Who starts wonderful. You guys do what you thought you talk to his man. What do you have invested right now? You do like before one k I dont know For one thing I do have company start.

Every year does not now nothing. Not another d have wrought diary. I do not have equal. So that's what we're gonna start! That's committee foundation, we have three thousand hours in a banquet Amadou. I'm ahead, go too far from myself, I'm going. Call a smart Vesta pro I'm gonna. Them know that hey, I went we invest than before. We asked Stacy eighty thousand hours in a bank, your house, comes about a hydra sit at me. You need about twenty five Kay, for an emergency fund so. We want to take that as sixty, so you gonna have fifty five thousand dollars that you can and invest. I what what to do. His very first day, I'm gonna go into my office tomorrow, Almasy, hey I can start in opening up investing into a for one k: D do you have a tradition or rather for when k there I'm not looking at her down to the motor car. That's wrong! Look into I'm looking to see if they have it

when it comes to invest in these three things: Andrew Number, one a match we all, for how we can get the match. Number two is gonna, be a wrong number: three. We traditional gay. So if Company has a match. I want you to invest up until that match. You gonna come over an event? into our Roth, I already gay so associating the phone. You have fifty five thousand hours, that you can invest colony Still let the investor? No hey! I got money CAS money, real money. Fifty five thousand dollars in Rio money that I want to invest what should do the very first thing of Essen to Iraq. I re may should it that they are get invested into a grove, sought mutual funds and that you can open other major fights or you can leave that there and then stack debt money. To now into real estate, but right now you want compound interest workin into your favorite. Once you have that all situated they get. We could start looking into real estate. We could start looking into land, right. Now there stood a foundation, so you

for sure you have some compound interest him matches workin on your side, then you can call, back in our so called back a holiday Dave? king when it comes to really say Map and Andrew. I heard your voice you're right Sexy does not guarantee fireworks. It's not a school is going to buy a rent house on a more general house.

Slow. Instead, you ve done it over nine years. Now you Nick and of bone called. It says I've got no mortgage and aid granted the bank you're doing things that nobody does. He taken the small steps, the tortoise wins every time good for you and drew dribbling. Eighty five did you five years a shout. This is the different issue. The save the day Ramsay Show I'm John D lonely with my good friend Anthony O Neill, and I'm excited that there are two beautiful people standing on the debt restage here in the lobby of Ramsay Solutions, David and Sonya from fondly luck was constant. How are we doing we're doing great? We are going to be here, so you are dead, furry yeah, her out

staring eyes how much if you paid off we paid five hundred and thirty, two thousand one hundred and thirty one dollars in five years in one month, Oh you! This is a grinding one right, yeah, when I was your age of income during this time we seraph at sixty two thousand, and we ended at one hundred and fifty thousand, who why the gene how'd you do that changing jobs, and then she was out of the workforce workforce a few years with Irish, three kids at home, and then she, I back into the workforce again so David was, is what thirty two one thirty one was soon allows outlays student loans, medical care and our house. You pay yeah how easy we're doze fantastic order. You too, I am thirty. Four just turn thirty three this week

our millennials with aid moorhouse yesterday, Dave should be here today because you know he may to see millennials doing this, no we're gonna take, for us it is also David Zonia. I too take me back five plus years ago then rattled decades to set you on this journey. What was it we took our view ah September, two thousand fourteen. At that time we had a six month old area two months. We have two kids twelve months apart, so we had to get the neighbours. We had one on formula the fact that you can remember a date from that task, as it is crazy times. At that time I was teaching David. Was gazing at a different gentlemen, the time I was working, as I see and see programmers Lancelot, suddenly ass. I see music factory. Ok, It still,

spurs? One of those things are, I think, every time I came home from targeted, I think, has blood pressure when up a little bit more. Every time end. Quite honestly, I wasn't spending crazy money and foolish things like I was paying for diapers and I was paying for female in national law. the third and things like that. He was just like I mean here's a stress our and I d like to see in that way and you gotta to my attention he is like. I think we should do this class that I'm like what do you mean like what kind of class you talking he has always called for. Real peace University oh and you can add discussing it and he is like there's one actually in our area, and you know it be once a week. You know four eight weeks had like child care, including so I'm all no eye which was zero held. I heard there was very helpful because here we had two young kids at the time, so I'll introduce you to the programme.

We found Dave on the radio when I was travelling back and forth from my technical skill ogre about job. So put me in your driving. Yes, You start imagining this conversation that you're gonna bring up to a working mother of two half people you're thinking. I am going to do this. Somebody finished yet lock. Through that moment of courage when you said hey, what are you about this I I do not remember that what's doubt whether the aid, so what was the key thing to getting out of data, because this is a lot of money that you are paid off, it was a long time wise. It was like I said when we first started. We had the two kids. I was a teacher for a couple years down to part time, and then we found out, we are expecting again so are we at that time?

was teaching part time and we knew in our third child came along as like, nor was it really a point of me working when we're gonna have three kids under the age of three and day care so that, The time when I decided to step away from teaching and to stay home- and it was very much an adjustment Am I swear? I love teaching. I love children but it was just one of those factors where something to say to give so I did. I stayed home for probably three or four years lawyers, and The act, as it was helpful for us said, are that we had about thirty thousand worth of joyous non mortgage at that There we had our third son, our third kid. She we able to pay off that that completely at that point, browser yeah fell. as the beginning of October, twenty fifteen, that we were Dat free

and for a while we're just kind of on going along going on and then like come started cab. drawing and MIKE what about trying to pay off the house is pretty quickly here and of her allow the credit like the last year she was, thing at anything where we were just refer to that we're throwing the house were thrown at the house nonstop. I think every time I came home and he is like over you colouring on our target again, I'm like I just through another five thousand dollars at the Daphne Belated O David does not spend literally any money. He's is very today's vote? I like she doesn't need anything he's very yeah. TAT is how do you kiss now our oldest just, turned eight this week. Our daughter will be seven in a week or two year and then we have a five year old. So tell me tell everybody in in just one sentence: each

change the entire trajectory of their childhood. They're, not gonna, know that stress scenario that gritting tee. Some moments that what is it and here I mean it awesome when we were doing this in all, they were let all they had. No idea what they are missing out on in say I really don't think they were missing out on anything at all. I felt like we were really bearing normal on leg. I dont like we were. You know we just dying very script, strive again turn yeah, I mean It is. We live pretty simple eyes were not very extravagance. it also our friends and work following us. In all, as we are paying off, our house stand there. I just feel like you're, like normal people like that you're not allow any more that right, you're, not not worth David. Insomnia from fond of Wisconsin paid

four hundred and thirty two thousand dollars in five years, making sixty two two hundred and fifty thousand dollars with three Kids count Adele for us, Three to. Why have you ever ground it's something out of grind it out. Is the right word for five: cheers. Change. Everything may I have, but here are the people do that, specifically for them? process are raising three small kids. She wasn't working in those words, gonna go Gazelle intense and I love how they kept this Gazelle, intense from paying off the consumer debt and foot that over to their mortgage as on now that is a young. couple younger than you and I do have a mortgage,

so when they wake up and they see their kids kids, they Mama day. Can we go to Disney world? They can say yes and if their say no, it is because I don't want to go, not because I can't afford it. So all the They said so many things that are different. Our cultural. They said things like we're. Just simple: people and we like and out with each other we just decided to pay our house off we just decided must stay at home because I want to write all these options and choices they made that fly in the face of you can only If you have more crap the most you own the happy, you are right, the bigger the house, the more the more the more they just said, are listening They started off making sixty two thousand dollars. That's a lot of money to some, but that's really not a lot of money and they say you know what we're just will be good stores of the resources that we have right now and work. to attack this dead, and I believe is because they were good stores with this little bit.

spiritual Saddam Hussein is got trust them with more now look flit their money, not just slipped it, but Dublin it to win if the change in their whole trajectory family tree at a load. What you said your friends are starting to say ha it is gonna. Look like people who have paid off house, yellow, just regular old folks, started the bottom. Now they did freon tat. We think paying off your house comes from scratch and a ticket or from money fallen off a tree. Just comes from hard work day day after day, you two Dave and Sonya are free. Congratulations, inspire and millions right here on the day, rams issue

this is the day. Ramsay showed your point. Eight to five five two to five go to Josh in Tyler Taxes, Josh, what's goin on em, Johnny Anthony, I don't got. How can we I am I am the day I like him. I put you need actual situation with a blessing, but one step, three be retaining a down payment on the house. Very good oyster teacher button. mind of a unique port, and am I I'm a unit? the church, but we like I'm get my man First programme and the programme mama in the programme that pays, for my masters degree, is also paying housing guy so you're gonna go the traditional

meanwhile underwriting ways that we have no event or history to bill and so My question is really shouldn't He still trying to get more underwriting way to go about getting to house gas word just have credit cards now: I have only known alone, not now not none. now now Josh. I want a deafening thank you for doing ministry manner. I know exactly where you are and where you're coming from because item before joining the speakers group. Here I was a full time minister is well within a gospel, and I had the opportunities same arbitrary issue to her eyes. I had housing had a housing allows. For you right now. The main thing is to yes reach out a Churchill mortgage and just tell them you situation and yes, They will help you get a home mortgage. Ok,

and so what would I would recommend is that was why do you have down to go towards house right now we're trying to figure out what to do for them? but when this programme for wonder but we will have, as it were, looking at thirty thousand per account aiming for more than twenty five percent, so you have thirty thousand dollars in Texas. I asked Curtseying get you a nice little a home out there but two hundred thousand to twenty five to fifty. If you want to stretch it s, a beautiful, in Texas, in our I'm kind of jealousy the homes in Texas in August, I can get a five six thousand square foot offered for I know a quarter of a mill and that I What causes Amelia and so, I think, that's a great rule, thirty thousand dollars and war, while what you're doing right now is, go ahead and called church your mortgage, and just building that relationship with them tell them hey my time. frame is about a year and a half

go ahead and allowed an employer, FAO and let them coat you or what you need to be. We were right now. I just be renting and display if you stuff, he's, pay your light bills, utility bills on time, keep track it at you We are right. May trust me. I did that anyway, it was perfectly fine. Josh, you married image of memo on how long have you been married? We. been married. Oh gosh, almost two years, you're, not a number! You gotta knocked off your head man, you're right. I so here's I'm gonna. Do we ve got a February, twelve at seven p, M money in marriage, live stream me and my good friend, Rachel crews, if you are free ticket to this event, that way, you can have a date at home. Go anywhere. Your kid.

Dream about this home is gonna. Look like the jargon by you can learn a cobbler tips on how to stay married and connected in this madness season that were in let us learn how to deal your money together. So hang on the law. Kelly, we'll get you hooked up. Let's go Jack in Charleston, South Carolina Jack, was going on the guy's face? You're, not me, I'm sure you do. Man thinks you're gone what's up yet. It's a sort of general course, and I learned about all of you my wife and I we about four hundred and eighty thousand on our mortgage However, we really nice rate of two point: three, seven, I presume per for two years, which is really far announced. Job MA am how to turn a debt beside the mortgage wasn't. A jack was

was not a lot of money. Yeah yeah, we did not have the murder, formulating thousand I'll get it You don't have any consumer debt. Well, you noticed with Africa regards everyone is nothing our state of refugees in college and they're, pretty much Therefore, I am plan server. That's right. So my question is: are we have joint investment account, which is basically just a bunch of mutual answer. Lumbar financial larger than we have seven hundred he suddenly. you're? Not a cow account. So my question is: will make indecent money on that could be to fifteen percent Andrews dependent on the year is at war drain that account and pay off the more

La mortgage rate is, is only ass now tonight reach seventy five Let me ask you this question: do you have what what's your retirement situation that looking like any for one caves in Iraq? I raise what she returned If I do, I look out gimme, those into rehab Here we have therefore want to use my wife, and I then we also have on. I write Total amount was about two point: five million to point five in about those come on. Come on, and they have a foraging eight thousand dollar mortgage. And you say you have no consumer debt, and then you, outside of Worcester Savings, account lignite right now as far as an emergency fund. Pretty good in that area, yeah so We have carried on secondary thousand. in savings are geared to rhetoric work without taking any capital,

Ok, that's great! So what I do is I right now. I am actually stacking money. Defies right now to go ahead, a bill, my dream house, in the next couple of years after I get married, and so when I find my house right, I'm gonna withdraw from my mutual funds and I'm gonna pay cash. My dream home, so in this situation, which you already having two point, five million dollars in Europe, retirement funds you already have a fully funded invested. Fine yeah, I will say didn't pay off your mortgage today, all of it and so when I leave you but another, two it's one thousand dollars inside of you major, what I would do without his help when here maybe look into if you want to, I would probably into by maybe some more real estate, some more property to start with. Turning to the shame of casual for you, but to answer your direct question because you following the baby steps in this mutual America, whose listen you're a nice surprise him away at that? You should withdraw funds

from you major finds, no there's two different cause. You have one as cover from retirement, which is a rather than you have regular, Joe fires such as this is sitting there, you can withdraw, that could you not withdrawing from your retirement we'll go ahead and pay off your mortgage and looking Thus, in that the rest of it, as well Jack such a great question Matthew, you, your wife or doing, extremely extremely good stuff right now, which finances I'll join D Rodney in New York, K, Rodney, we're up against the clock, get right! Your question man! What's going on. Hi John good afternoon, Anthony to my question, for you guys is my parents that meet our last week and told me that some money that I'm gonna be going over. When I turned twenty five later here. But indeed, already started to throw into around when I should be doing with it in over the past few years, as I started, working I've worked hard they turn it down

he's with my parents around. What are we doing with my money and Anne and what what what freedom I'd like to have in making those decisions to where's the money come from, these will isn't it Trust is an inheritance words from its money that they had said for me and put it in our injured investments from one was in Canada, and I just never knew about it. So I guess if they want to give you some money- and this is gonna, you're gonna become a marionette. Is that correct I'm not your two million added its up. It's a puppet, that's operated by strings. I know what it s like, Yes, so here's the deal, if you take from somebody?

and they they want to tell you how to spend it, it's their money right, so I'm gonna be very, very careful, Anthea Energy, and we very careful before I accept money from other people or I'm gonna have my own. I meant to say what's his mind: this is my people hold it over a humming to say thanks, but no thinks this is the Dave Ramsay shall have a friend or a family member, the needs of daily those rambling advice and their life. Let them know about the rams. We call the day potash. It's a quick here of advice about life and money in under ten minute check out the rams. We call it the day. Were you listen to hard cash

money, Isn T always when we talk about around here, get life changing advise on your career, for my good friend and career expert can comment on my pen 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. You're sweet 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 will help create a plan to make your dream job a reality. You matter and you have what it takes joined. The conversation on the CAN Coleman show hear more from the Ramsay network, including the current common shop, where ever you listened about gas James producer of the Dave Ramsay, show this so it is over but check the episode notes for links to products and services you ve heard about during this episode.

for listening.