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some sort of Netflix right I mean go, go watch a few. Do the videos see it see the content use it? there's a lot of somewhat downtime that we have, and if you're home of kids and everything gets low, but more difficult, but the term that we have at home, use it wise Lakers. Hopefully it will be over sooner than I mean there's a restart that happens to your life and you could come out of the gate fast on some things from some of these materials That's the interesting part about this whole covered. Nineteen worn Siena's oars. I went there. The dinner, my husband wherever dinner, at that their work we take with us out of sorry experience with us into the into back to normal, I like what are things that we can learn that we ve learned ourselves and all that and- and I think people in their money, people. Either learning a while. We did the stuff right like we got out of debt have our emergency find at all of this is just an inconvenience. It's not an absolute crisis, but people that are still in doubt

you don't have an emergency fund? Maybe you ve lost a job, you feel the crunch, like you feel the crisis looming and take this is it I meant to say hey, you know why I must take this urgency and I want to do something different when all this is dad irrationally going to go, yeah and and and do something with my money that sets us up well, because a kind of review really reveals maybe too, of planning that you have in your life? And that's not the shame you but that's a say: hey use that as an innovation. Those was time to change. Some of you lost your droplets good things like anyway. And so using our send you to change. You know: you'll get the proximity Principle Burke and say: ok, I'm under this can common thing. I want to go, find something I love and that are filled in and I make more money in each of its a forced, We sat for a lot of people in a lot of areas and this destructive Ramsay dot com, Slash hope their stuff there for your teens at home, you wanna high school curriculum. Sarah deal their stuff for these books at ten dollars. The fourteen day free trial for financial, be universally bisher in check.

All of that grace is whether scenario knowing high grace welcomed Ramsay show hiring I gave thank you for taking my car. I am thirty. Two year old, I'm not married, and I just finished my for emergency fund. Some stupid excited about that I am currently events in an apartment. But my parents are encouraging me to save us and buy a house or a candle son. By the end of the year, but I'm never doing bad, because I don't know what my life will look like in five years like to buying Do something term in IRAN, since I don't want my life will look like a married or whatever. I'm gonna be stuck with a house and you have to sell it really fast. My question is: do you see a problem? continue to run and start investing into my following came now. Why should I give my parents, and by and by something as soon as possible,.

If you Bob something: why do you perceive that you would be stuck with it or have to sell it quickly? Why would you you're in good financial shape. You could show it slowly. Yeah. Well. Why now Thank you for myself right. So if I e in fibre to get married within the next couple years, or so I e, I would think if I want him up the bigger housed, what man I want to start a family Then there will be kind of pressuring too, to solve fast, they wouldn't be faster, would just be we would have to sell by me, wouldn't like you'd, have to sell it within thirty days or you're? Gonna? U knelt before closed on or something you would just put it up I'm glad you dont want to buy something than that. Wouldn't be market a boy you want to buy something in a kind of a that that you have a good for you that it would sell easily. When you get ready to resell it at all

you do agree that I should shall continue to run for a while. I should that is something I should be setting up to buy something under those circumstances. The circumstances being that you buy something that is, gonna be easy to sell when you get ready to move to the next transition in your life, now you mentioned getting married in two years. Are you in a relationship that indicating that her uterus thinking that might happen out there somewhere? and never leadership. Ok, don't I wrote I probably what demanding investing rules. There is a great option and again you're a good financial shape and, just like you were saying they just sell at a future. To move it, or maybe, if you do get married, the cycle of their don't buy something weird. You know about strengthen those kind of generic that a lot of people, my by the doesn't take buyer to buy it and it's easy to sell, in other words,

around here were always looking for ways to save money. That's why I'm a huge fan of honey, Honey is a free online shopping tool that automatically finds the best promo code and applies them to your card. You never have to open a tab to search for a discount again unease found it's over. Eighteen million members over two billion dollars in savings at honey on your browser. Today, for free at join honey, dot, com, Slash Ramsay for joining us. America were glad you're. Here this is the day Ramsay showered work. Nobody comes from blinds dot com, they have a one hundred percent satisfaction guarantee. That means even

If you give up on your measuring or you and you get the wrong size blind or you picked around collar that they will still replace your blind for free. Even though, is your fault, you get free samples, free shipping. And with a new promos. They run every month. You'll save even more use the promo code Ramsay to get the best deal. Those questions from Kimberly in Minnesota Dave. Husband, our own baby steps, five and six, which is saving for the kids, and pay an author house were thirty years all were wondering if we should temporarily use extra money we ve been paying towards our mortgage to instead as more and Orchids college fund. Also window retirement more than fifteen percent, since ox your own sail for the most part mortgage down. It's goodbye Rachel,

would definitely recommend many on the age of your kids that you know to put that money in the kids college but that's all dependent on the age of your kids, but I was just continued on the baby Suggs. You will need more than fifteen percent of your income going into retirement. Just keep that study and then, if your kids are a scourge that yeah if you can dump a little extra into the college and your bind these goodbyes right now go but I would not increase the amount going into retirement Anna would just throw the rest of it at your home mortgage now. I think that's a good time to come back up and Recap: Rachel, there's a whole bunch of things. We put this on our Social and Scott Lot. Attraction to people were look

for there is some dues and doubts during this time. You wouldn't do any of that if you currently have lost your job or you're about to or your fur load or something like that. So if you ve lost your job or your followed or your income is not stable right now during corona do pause. Your debt snowball do stop everything, and why The four walls right do make the minimum payments on your dead do cut out all unnecessary spending? Do pile up cash here you are not working the baby steps. If you are in an income, crisis right now, because it is you're, not saving money, you're, not investing money, you just piling up cash, and now it go, I would say I would extend that even to not be some but if your company is told you hey in two weeks, we can have the lay your division off like if you know what's coming, they are not not vague. Finally got here, that's all

passivity, if you have a specific for yet that's a fact, exactly examine more logical would apply two years while yet now, just generally, He does not we're talking about it. Generally worry, but you have stable incomes. Are the facts like with usually example? He drives for Fedex and she's a teacher right. Diana thing is there, then I would go that route and in that case your income stable. Will you do keep working the baby steps? You do pay your bills, I'm! U do use your stimulus money to help crusher goals you do party! You do not pause your debt snowball! You do not cash out your for a one can see my back. None of you need the cash out your fora one case. Unless it's to avoid a bankruptcy or foreclosure, we never tell you to stop our article your retirement ever never do that don't take out. A payday loan run is far from the snakes. As you can stay away from those people- They start stimulus money. You have your work, your plan with it

The money is coming in. You work you're playing with it so and listen. You ve got these forbearance on these mortgages. It if there's any possible way in either case where the vile should robber, whether you haven't that you can pay your mortgage, pay your mortgage, its food, first lights and water second mortgages. Third, and because of forbearance, does not mean were given us. It means they just put it off at your just kick in the can down the road and are so well wait three months and then you're going to owe all three months plus the fourth month and you're. Not gonna. Have these for war, payment house payment, stacked up their gas and exert a pet, and and Tom people to just any amount of money on any bill that you can. Even if you're a view of you have to take some of the grace period, whatever you can put down put down to keep her and ass current as possible, with these bills devil. There's no case in which you take shot, take advantage of some of these odds and ends

out there like a forbearance thing or oh you're, your landlord, can't foreclosure. Our can't evict you right now. In some states are doing. That will listen that doesnt matter. The use that none of that says you don't owe the writ you're still piling up a problem, and so you know you should not be behind on April's rant, if you laid off the second week of April right, you ve. Already you had income now you may have a problem may comes around if you don't get some income coming in, but keep your food first light water, second and shelter. Third, when your facing these things do use your stimulus, stimulus chair to push this out. You are not, as a patriotic act required

orally to spend that money to you for you to stimulate the economy. These checks are for your survival. And our hitting your personal household gulls. That's all, therefore, that's all you're supposed to be doing now Heidi is on the line. Heidi is in Ohio Heidi how're, you hurry high, thank you for taking my car sure. What's up Well, we have an eighteen year old, senior and high school, whose senior your husband short because of the recent events, so he is lucky enough then the Vocational Programme purpose precision machining. So he were they. To attain full time employment, and that was ready for him when he graduated, but they offered him to start early since he is not going to school, so he's been working full time just for about a week now and I'm kind of just various as to where we go from here. Obviously he has no dad. He don't have it thousand dollars saved from birthday money in such they.

Me putting him through an apprentice programmed it's completely paid for all the educational part of that. While so we have an educational area for him, just a small one, but I'm not sure what to do with that money and then also how should he come? What should he spanned or save for his full emergency fund with he that might and What should he have fund money, and should he invest at this point requests untidy. How much is making? fifteen dollars an hour and then every time he either path of the class or test out of one he'll, get a pay rays and held out I'm just over twenty dollars an hour, ok and so he'll be living with you guys for the foreseeable future, as he does that programme. Yes, he doesn't here they went out at despite pressure, is pretty young yeah yeah, while for very good good. For here where I started under one of the trades in its consumerism, yes, good for him, that's melting, no there's. No dad. No doubt

we're gonna make him pay for his insurance and cell phone bill perceive a car he had paid for carbon. Then drive him since he was sixteen thousand dollar that we made him pay half and he had the money that time so that still running great he's, not anxious to get rid of it, but eventually he would like to upgrade your money when I was ten or fifteen thousand dollars and savings account of Christmas regional start thinking about a concrete measure that yeah How do you know I would recommend town get on every dollar. He needs to do a budget of why you guys what expenses now you're handing the helm and making sure that he's very specific with what the income that's coming in and where exactly it's going to suggest doing of budget and then a sincere dad I may. I will move on to bump up that emergency fund to get some extra cash in the bank and then and beyond. That's them like we're, saying saving we could do a car in the EU started to look at retirement, I mean dazzlingly when you're gonna move out

our aid in that maybe next year, but if he has twenty twenty five thousand dollars in his bank account by this time next year, minus a car that he bought. Sometime in there and he should be able to do that. Still have some fine, you now illegal migrants matures bank here, and so I'm you, I'm gonna, sit down you and your husband with him and say we're not gonna charge you rent, the only rent, we're gonna chargers were now require you to a budget, and we look over your shoulder. Show that you don't blow All this money- and I don't think he's gonna- be the type of gear that is gonna blow the money about away, but your Europe only read you have to pay us is you have to have a budget that includes giving Saving and some fun, and should have some goals of moving out and find a better car in that budget in your savings category, and I would just over his shoulder and requiring to do that as his room

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right for joining us. Amerika tat, Abraham, show Open, follows a triple eight, eight to five five toot five really is an element which I naturally welcome. The driver amnesia with an honour to speak with you and Rachel. Thank you so you. How can we go now? one baby steps to end. Holding an armored budgets inside you have extra time now and I'm willing to pay extra on be only debt that there is family and that's the trips agreement and also Later we finance to a fifteen year mortgage, but with adding extra could our payment will go up, were finding I called the Churchill down than the Jeffrey gentlemen. I spoke to set about an extra two, seventy five to our people.

And then king extra on the truck, we're gonna need an extra just say six hundred dollars to get it back until where one wanting be got free so really We are pleased that we can cut it. Is our sun goes to a private school? Is that something that wish didn't? We? centering? Could I dont really nowhere else? We will cut it. Wouldn't what are you paying for the school? over six thousand dollars a year How shall I don't? Even like your household income in hamlet, Not a hundred thousand ok? and why do you have him in a private school in your case? Is it safety as it academics Is it not lead sometime onto a catholic school? Just always wanted that for my son, We will judge you. I did not want the public Catholic and are actually our school district is one of the top so

there is really no there's nothing wrong with our public school district. I guess this is something that I had jumped Well, I think you just gotta side. Are you willing to low day on some of these other in order for that school, it's a trade off wearing. How much does it mean to you It doesn't sound like it's like you're, like you're someone to talk to people about their private school, and they are it's the most important thing to them, and it does. It sounds like it's kind of medium to hear the way the words Am I missing that his ear medium, the good word. It means a lot of small knit community. You know just I'll be different ways, but again nothing, and maybe that was where I went to great school. I went to school because We want my family catholic, but not a great area, so yeah great area where we live there. So you you, don't have a problem with the quality

the school or the safety of the school azure other options. How old is he Natalie he's while he then turned sick or even kindergarten? Ok, but one that was my everything like well, do I do it now, because I hate firm, they get older and then you come in own because we ve been in a couple years like ok. Now we are going to do it and that is already established you no good for port the teachers and pick out a crackling. Yet definitely while I think this always comes down to just a family values as some right it goes without saying. But it's true ministers kind of the trade off a pay were willing to slow down the debt snowball. In order to have this education here I'll say from the pro side. You know if he was freshmen in high school. That's a lot of our hearted decision because he's establish this community over over years and he s form here's laughed and there's lots. Consider, but considering his age, that's an easier could, an easier decision point for you guys in exports

and like, while promoting public, I'm fine, I'm alignment to Catholic entirely. Like the Catholic School system, Sylvia was annulled signatures, a slam, dunk decision from the outside. Looking in, I think, a junior monsieur down. Look at it and go. Is this getting us what we want and what is more important to us and it's not that you're putting the truck payment ahead of the kid? That's not what we're allaying because the cages, in jeopardy. Here the only question is: is the the catholic education versus the public education and again your you and your husband had two different experiences, so you ve got two different views on that. So I don't think there's a wrong answer, but you just the beautiful part about the thing, is your having the discussion you're, doing it on purpose and you're, putting the possibility on the table and weighing it out against your other goals, and I think it has put on the scale

and say in your mind, prayer fully thoughtfully in your husband's man perfectly thoughtfully does a tip the scales and put him into public it. Honestly we went through this at our house. We put our kids Now the school system we were living in at the time was not was not good ended, but we board our kids in a christian school and we were driving them. Forty five

to cross town and barely making the tuition. It was expensive and more expensive than what you're paying and you weren't there as a kindergarten rise, kindergarten and the niece went there for two years and we made the decision to move partially based on that sold our house and rented a good school district that we were comfortable in where we still live. To this day there was an excellent public school district like you're talking about, and so Rachel grew up. As a result. Ninety nine ninety eight percent of Europe's cooling was public. For that reason, but his excellent public schools- that's right, Gabby wherein yet, and so it made the decision that much easier and we dropped man as a long time ago, and it was more money than she spending now even back, then we dropped out of our budget and allowed us to do some things. Man

You guys never looked back. It didn't destroy your christian walk because of that decision. Now now and I would say the same for college discussion as well know we ve had people call in and they want the christian education with college in its that's great, if you can afford it back to that same discussion, but your faith isn't gonna be absolute. Percent rattled, because you went to a public schools that work work that is made, even if it is it's probably gonna, be rattled anyway for fanny value. That is fair letter. Does faith is probably the influence on that's more from home that school and it should be anyway, that's momentary, doing their job. So good question too good discussion thank you for joining us with that. Adam is whether Adam is in West Virginia high Adam. How are you They should take him out all data Rachel Sharp. How can we now some twenty four years old, the other five thousand dollar emerge in due time, and I graduated from college two years ago, which forty thousand dollars and student loans that kinsman are currently added.

Table full time job and I can shoot a bed contributing to buy for one carried out which lay much and since then I have fifty thousand dollars and aunt em? for your job damage to act which allows individuals to actual. Therefore, one case funds cannot be free to care for Portugal, stood alone that there would be more advantageous to keep it. In my time I leave it to the power compounding interests leave it in there, because I dont cash out retirement, except to avoid bankruptcy or foreclosure not facing either. I would stop adding to it. Stop investing And terror into their student, one baby step too stood alone, and you need to attack that with a vengeance. You need to tighten up your budget, get our extra jobs doing then you can do to attack that student loans. No, I would not catch her for a one k to unless is to avoid a bankruptcy or a foreclosure,

and they are no. They dangled that care it there. But do such a bad plan allows with all my option there there is time to try to focus on. How can I lower that level of debt diagnosis something else- cares about young at the way you can lowered his attack it with a vengeance and part of that emergency. That you have come away with I'd like it in a thousand dollars to the rest of that at the debt not put it put a huge too in an already there anything you ve got the decision on retirement savings above a thousand dollars, baby step Save a thousand dollars anything beyond that goes on your dad and you listen smaller, two largest pay em off in that order. That's baby step to. We call that the debt snowball everything, but your house dead and adjust attack it with a vengeance. Die if you ve got a good day job right now, stop all your temporarily. Stop all your investing all your say:

beyond the thousand dollars and throw every spared. Or you can find in your budget get every dollar got every Download, the app and and really, let's ring every drop out of this budget, and when you do a budget You can find more money to put on the debt. Very ethical. Senator they got a raise when they did a budget so find it feels. This is the day rooms you should.

hours per the firstly slowly and four eleven twelve and to aspire to live quietly in the mind your own affairs and too work with your hands as we instructed, you show that you may walk properly before siders and be dependent on no one. Samuel said hard work, spotlights the character of People Sumter. Up their sleeves, some turn up their noses and some don't turn up at all. That's pretty good! hard work, our work, it's a good thing. Well, folks, got some good news. As you know, the Irish has moved the tax filing debt line was April. Fifteenth today

It is now July Fifteenth Good NEWS We owe to actually cause you got an extra ninety days to budget for get on built up and I hold onto your own money before you have to send it to them and you can focus on your firewall food and utility shelter. Transportation them important step, and then are you tax bills, ready wandering about your federal income taxes we should asking you gotTa Dave, Ramsay, dot com and take the quiz. It's free. They re! she dot com, slash tax quiz. What we're trying to help Determine is Do you need a tax professionally of a complicated return? Is gonna be worth your money to pay some one to do your taxes, or do you need to do some basic software and get it done quick and easy and will help. Figure that out, got solutions for you on either side of that the day. Ramsay dot com, slash tax quiz.

Kelly is where those Kelly is in Washington. High Kelly welcomed that I've Ramsay, shall I be they take my call I Rachel. I have a question I just got here. The internet. They roundly life here. What about? I'm stuck my for one k and others, but an almost nine hundred dollars a month, my poor one right and I have about, Eighty before thirty five before the start, stock market thing went down. Ok tonight. Is everything you do and then the snowball at this time since the stocks are so low key, no matter whether their lower, whether their high. If yours, to get out of bed in baby step to your temporarily. It's a temporary thing,

you're gonna miss out on the fact that start markets on sale right now, because you don't work on their debts instead and that's what I would do if I personally woke up in your shoes and it's the stuff we did way back when we went broken, had work our way out of the mass you now, and so it's not like This is something that the there, but that the thing is you're always gonna have stock market ups, and always you live stock market downs and you're, not those with your two hundred eighty and with the money you put in after you do get out of that. But the power of focus focusing on the debt is ends being in the long haul, more mathematically important than the that that than the little bit of good by you would get with your nine hundred dollars right now, but I M unnecessary, for the long term of that getting out of debt and, like you said when, when everything is pointed out, one thing: it's amazing how quickly you can accomplish. That's when you're versus

the spread, everything out, you're trying to do eighteen, different things blurry, just for, sing on this one thing of just paying off debt you're gonna, do it faster and that money is to come back to you from your income you're, and we were to have that your full and come to work with them. But if that emergency funds and then get back because yeah the word stopping you're following k alike, pausing it since it sounds like ok, you're an oppressed, put your impress play eventually, but just pause it for short term. Why are you not? A damn gave met emergency funding, I've image it's for math me it's difficult to not by if I'm in your shoes, while, while the markets down it's difficult to not get your company match for a year or a year and a half while you get your debts cleaned up, but for the rest

of your life, then you will never have to settle apposite again, because you will never be up against the wall and so that that's the thing is that the data points of the millionaires that we have studied, the ten thousand millionaires restarted for Chris Shoguns book everyday millionaires when we were studying them. Data points all point to that, though the millionaires had the slow and steady and they never quit, because they never had to quit investing because there is never a pinch. They were always able to keep doing that because they do not mean debt because they had the emergency phone in place and that slow unsteady that were setting you up for by doing this, but man it is hard to hold your nose and do this for a year and a half or two years or whatever the period of time. Is it

Take you to knock the I can relate to the emotions, but but doing why Sarah is whether, sir, as in Arizona high Sarah welcome Ramsay, show what's up high guy. Thank you so much. I worked your plan. We were clearly out of that completely, Austin? I was able to quit my job. Congratulations. I do go back to work and actually planned on being back to work by now, but that's just not going to work. For now and not some play for us, because we have enough babies to sit on four now. My question is about mortgage because the right first, I well beer In January last year we were able to refinance until fifteen your mortgage, my husband, actually retiring fifteen years, though that worked out great for us, but now we're getting a bunch of offers for ten year mortgages. I'm

currently working. It would push our budget so that we will be putting Amy money away and savings at all, but we would have the house paid off five years passed over two thousand dollars of savings will it be able to put money into our savings account until I get another job, I think the earlier emergency Fonda yeah you money if you mean you're, you're, investing in your for a one day. That's what you would money for. When you say when you money and savings account? What do you mean what you saving for? Well, just because extra money and we just got so used to not spending money that now we have extra money and adjust its put into saying these and other portfolio to be invested? Ok, are you putting fifteen percent of your income into retirement yeah, Now I'm not putting anything away. Now, I'm showing me right now my hand, your household income. Are you, including fifteen percent of

our children come into retirement now. Ok, you need to be doing that before you pay extra on your mortgage. Ok, That's right! That's baby! I've wondering I don't think about when I quit. My job is not putting anything away from requirement. Well known others, not you there's a we ensure household income which right now is your husband's income. Aren't we saving fifteen percent of our household income into retirement? That's baby step forward. You need to do that. First, after you're, out of that have emergency phone before we move on to save him forgets college and before you pay extra on the mortgage, and so it sounds like you need to beef that up in that prohibit you from doing the ten year, but a fifteen years fine and as your incomes come back up and you go back to work or don't go back to work, you're gonna find money.

You're gonna end up paying that fifteen year off bought in any way, and that's how it's probably going to work out. It usually does that's what I was thinking eventually can during even his hearing you Sarah, like, I got your and pay that off, even if it is a fifteen or attend. Probably earlier, but the fact that would stretch you guys so thin. I would just stick with the fifteen your mortgage and obviously yet do the investing in any side money, you have the way she was hanging about savings to it could have been form they ve extra money, maybe four occasional or maybe they're saving up some extra on the side for replacing a car like. If all that's there, then that's good, but remember to focus on that fifteen percent going into your tire max, that's gonna be key later down the road. That's gonna, be your both point. A good question were Bruce. You were gone. Ocean hanging out open found this. Our remember that Doktor John, the lonely, is gonna beyond what the doctor DE than Ramsay Personality, talking about you're relational, I q relationship with yourself, your relationship with others,

you're dealing with with anxiety and fear out there right now. Maybe you ve got people that are Miss behaving in your life due to them being afraid right now. Something like that. You ve got questions for you can email me and I'll help. You get those questions answered this coming Friday, Dave on here at Dave, Ramsay, Doc, armed they won't era, day rooms. You got com retrograde It's running out whether today things have me on it is our that items you showing the books thanks to James Childs, our producers ACT, Bennett, our social producer and phone screener. I am diagrams you, 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 too warm daily with the Prince of Peace Prize 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 measure, versatile free for fourteen days, go today, Ramsay Doc, 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 my can 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, it 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.

If 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 Conversation on the current common show hear more from the Ramsay network, including the current common child. Where ever you listened about gas, hey, it's the producer of the Dave Ramsay Show