From a quarter of Ramsay solutions, broadcasting from the dollar car rental studios? It's the rams! Asia were debtors. Dom casual gaming in the bay of mortgage has taken the place of the Bmw as the status symbol of choice. I'm Day Ramsay your host. This is a special edition of the Ramsay show where we call on every day Millionaires to call in if you or a millionaire. You have a net worth of one million dollars a greater, regardless of how you got the money to call in and tell us your story, I'm going to interview you

in other words, were going to talk to wealthy people, real wealthy people Not people were the political agenda people who were trained by a socialist professor on a socialist college campus people who vote properly, not you oh brother, in law, with an opinion not some blogger living at his mother's basement, but real people who are have built real wealth or inherited real wealth. Wherever you got it ask them how they became wealthy, how much wealth they haven't learn low, but about them with the idea being that you, then, if you, yeah attained the level of wealthy people, your listening to have could pass. We do some of the things that they did, which would give you a probability of joining their ranks. It turns out. If you eat what skinny people a year are very likely to be skinny, it turns

if you do what successful people do in sixty year old fifty year old marriages letter, happily married the hue join them some day. If you been married fourteen times. I hope this one works for you, but I'm not reading your book on marriage. Watch your opinion. If you have it, egg and modest six pack. I dont want you as a as a personal trainer, already have a keg. I dont need another one of those I need someone to show me how to get rid of my keg and trade and first six pack. This is not hard. Folks fight folks that are winning at something and emulate steal their habit character, qualities and processes and use them, and you get to join them. This is called best practices so we're talking to real millionaires on day millionaire theme our now for those of you

who are newly initiated a millionaire is not some one that makes a million dollars a year. You can make a million dollars you're, not half a million dollar network because you blow at all. A millionaire. Is someone, or is a one million dollar or greater net worth your net worth, is calculated only one way there only one kind of millionaire? You don't need a network millionaire book there is only one kind of millionaire. A millionaire is someone who has a network of a million dollars, what you own minus what you owe equals, at worth, your assets, mine, assure liabilities, equals your net worth J in two Sanjay. What does your net worth Dave. We're about two point: two million awesome break them for me in the mix of it isn't fora one gaze rails day, what you do

We gotta our personal residence is aid for its worth about six. Fifty thousand data employers that all about hundred thousand regional areas. I read about a million dollars, those new from direct transfer, ores, our previous warlike days, does Roth I raise about three hundred thousand and then some nine regarding the gas suddenly the other car good for you? How old are you? Did you call and how much of this from two point, two million dollars did you inherit zero, zero cool? What has been your average? Where are not your average, a range of working income, your household income, from worst to best year, since you Part of this whole process. Well, I guess, since I started the process, It's done under two hundred eighty thousand of household income broker,

we do for a living? I'm an idea, That what you're degrees in Russia yeah, I ever of altruism and if I Jane, I other measures- are signs of finance coal and what was your gps, now my underwear programme is that true zero one imagines programmers three point: nine CO vereker how much two point: two million is there because you borrowed money, Do investing the major wealthy I seriously any borrowing money further ahead Roca. You made some mistakes with borrowed money? Yes, what was the mistakes we were we borrowed on. If I gave you buy a little house, we goodbye I'm chairs guy on loans yeah, so you haven't even bigger it's that women in Turkey. By your timeshare from.

who didn't we by that time we hear about them up over me next door. We had four at one time. How did you get out of here one a level sell on Ebay for a dollar and the trees what about that yeah and another two hours a day if somebody like painter, although I don't think that was company, the major political they get you ok, while yeah. Why so that was the worst decisions made financially. There are co good for you, and I are good for you Ok, so what would you tell the twenty five year old version of you? If they, but you when they grow up. He have to point, two million fifty eight years old. start by giving it up here total my neighbour and falling all those Bethel? I love you at your awfully yourselves at your smart guy.

well to be out of the forty four. When I didn't know you how it's going to be higher eight, we had very little money, stayed we're pretty good, thus thing out of debt, but as all worried about what our German looked like any and when I got Ahold Edward you just sort of prohibiting into focus silence like a gps sun on the trip in I know exactly where to go and how to do it so cool This may all different voice. My I appreciate the compliment. I'm so proud of you. Man very well done the menu You ve changed this all around and fourteen years, by the way is about the average that it takes for someone to become a millionaire in the millionaire study that Ramsay did found about seventeen years to be the average time from the time someone starch being serious and sounds like that listen to you fourteen years ago. Very very well done about it,

Ocean that study we found the top five vocations of millionaires is the largest study, a millionaires ever done in North America. Over ten thousand millionaires were studied. You know the number one vocation engineer What is your number three was teacher yea You know who was not in the top five doktor broke doctor are a bree they're like broke athletes, they're everywhere, so. Stereotypes and there's a reason for some of these narrow Dutch. Very

No, actually doctors came in number six, but they just do not make the top five, whereby thank your lawyers first doktor. Second, throughout biographer on your second nope, barely made the top five attorneys we're number five, just barely squeaky in their very interesting. So it turns out that methodical application of a system is very indicative of being here every day, millionaire and arresting. This isn't everyday millionaire female Ramses look. I know it's easy to put off taking care of something like life insurance, but now, more than ever you have a responsibility to your family, get it done terms Fraid of recently dropped and its act. easier to get coverage now with minute.

Companies are offering to skip the medical exams. If you don't have life insurance or not enough. You need to step up. Take care of this and let the team at Zander Insurance, help gotta zander dot com or call eight hundred three five, six, forty to eighty two it's an everyday millionaires female or we're talking to real millionaires people with a net worth of greater than one million dollars asking about them, how they did it, what they like where the money comes from because A great lies in the land. Psmith ology in our culture

People are telling you all the time that want to control your life and should tell you that Washington is gonna supply. Your needs, for once in your dreams? they want to tell you that the little man can't get ahead, and yet the proof vision, this actual statistical data that says the little man can't get ahead. Oh well, Buber Bovine inherited their money. Almost none of them did statistically nine. Three percent of America's millionaires millionaires because of it did money based on the largest study, a millionaires evident, airtight research, the rest? methodology on the study is airtight bottles thousand people studied would be sit but be statistically. If we get, there are only fifteen million millionaires. ten thousand of them is unheard of, but we did that to shut up the left wing. Liberal critics.

Want to say that government and socialism is where prosperity comes from. It does not come from there. It comes from the sweat of your brow and your personal habits in your character and your steadiness and your processes that you're used to bill wealth. That's where wealth comes from us we're prosperity comes from still After all these years, it's still true Greg in Philadelphia. High Gregg welcome every day, millionaire theme our what's your net worth a that happily right starting aspects for me, I'm sure it's one thing to do. one point? Two million and break that down format: gimme some categories in some amounts to six Is it not form caters for shifting and how exactly More should all paying off the mortgage so that that should be done in about a year and a half years, and I three to one point one, and then you got about another hundred and your mouth.

We had another hundred, an emergency fund cash and retirement savings got it. How can I go out? Are you married? thirty, nine young millionaire good for you and what your best working year, household income in your worst working year, household income, so the lowest story, When I graduated college it was about twenty five thousand. When I was twenty, three done dear about three hundred thousand calling for living, turns, and writer life is that research scientist mocha miracle, and how much of the one point, two million dead you inherit the Lira, Alcott yeah I'd help from my parents to One thing is: what was possible everything, ok and you're garee was in what money

Psychology, actually, ok, and what was your GPA knows about it If I remember correctly was a long time ago, clerical Rico, humming on fiction books. Do you read me here with a few nonfiction about here. I read of at least a fiction a month very cool. I love it love it. So the biggest mistake with money that you ve made an over common still became a millionaire. Well, I think Listen, I paused at a younger age once was a financial offer from grass for that having to leave carbon units. you have to pay really either It was a strap. I did it only understanding in now then I'm gonna carry your programme church furiously fur.

years or so I've been listening to the everyday. Since I was twenty six, a twenty three year old. Listening to you and me right now, can still be a millionaire by the time there forty yeah sure doubt say, with hard work chapter five, Don Fernando starting when you're young. Living below. Here is an saying that at that they are here now, Was used all your income to love and Bell wealth for the most part, yet the past five years and in I've noticed that many things really changed was when we ve started to really focus on, step at a time, baby steps for you maybe step Megan are actually very cool, good job man thank Colony, I'm proud of you good work mark is in then for Mercosur NET Worth one point one: five million good for you break them down. By category.

you, ve got three hundred and twenty five thousand equity in our home six two thousand and retirement accounts, I got a hundred and sixty thousand business equity that I'm a partner in thirty I was in emergency thirty, five thousand dollars in about twenty five thousand and paid for vehicles actual. How old are you I am my doubts about both forty four I've got another young millionaire good for you. What was your age? worst household income year and best household income here, since you started, we started comely absolute bottom at the summit. When he fired thirty thousand and one We often hear about income are added. On the last couple years. Then I think about fifty a year. last year we made to forty while good for you. What do you do for a living construction management and my wife than environmental scientist. How much of this one point one did you inherit

seven thousand dollars. safe to say, you're, not a millionaire because of inheritance. Ok go is as safe as any other for your degree, I heard you degree and an mba mocha coffee better integration. What lessons degrees in philosophy knock, I then went, then you want it's gonna, be a good one. Judy I on the NBA, on the earth was it was quite I love. The programme was probably to appoint sedentary pointed out very good good for you good for you. What are you a tribute? The fact that you became a millionaire before your fifty. When you hear on the news every day that it can't be done in America, eleven years ago, I was completely broken desperate hopeless. and I really worried about my future single dad I'd about then somebody gifted middle class and, from that point,

I got a plan, a great spouse exactly on the same page turn the news got organised set goals became Lily generous and just when, at it and honour believe how fast we accomplished. All this. You know from we started Joe you, a quick, that's amazing! I'm proud of you show your baby steps may guess your art culture, so talk to me about the generosity, pay shouted at play in Well, we judge temper said either to our church or to other causes that we support every mountain and that's gonna, just the great joys of everything we do. Foster families we give a lot of our time and energy in our home as soon as we pay out the mortgage words were set to increase getting quite a bit the little change everything again and Andor. Well, though, your wealth of double pretty quickly them to yeah you're out of you, guys may well done. Hero declared,

a life ginger for hours and just being on the same page. We ve been married for eight years, on the same page and doing what you guys Peat is working you just working real hard goddess their shopping, I'm your man, you did it way all down while down. I am glad that we are a small part in showing you how to get there, but you're. The one walked road, good stuff. The average brilliant pays off their home and eleven point two years. the average millionaire takes about seventeen years to get there now, Three percent of millionaires, as I told you earlier, are not millionaires because they inherited money now of them did inherit money, but mathematically did not caused them to become millionaires like he got seven thousand dollars now b, seven percent of millionaires when surveyed say, They believe they control their own destiny. When the public

His interview that are not millionaires, only sixty nine percent believe they control their own destiny turns out. Henry Ford was right. If you think you can or you think you can't, you be right. Everyday millionaire theme our here on the relationship

Each and every day millionaire seem our all millionaires and carriages their money. False all wealthy people are crooked, four, oh People are famous people. Their rock stars country, music, stars actors or professional athletes Less than one percent of millionaires fall into that category, all well people are brilliant. They have four point two JP age, GPA of a millionaire is right around three point: zero and therefore your degree. I gotta

point, nine, seven, I'm still pissed. The three one, hundreds of appoint, probably beer involved, but. no one has ever in my King Lifetime, I'm sixty years old now ask me what my GPA was in regards to whether I got to get money are not from them. we cared? If I can add value to their life, then we cared about help their company. If I was working for them. They only care if I had good common sense in critical thinking, scales, it not require under livable, almost unnatural brilliance to build wealth in America. Today it doesn't hurt. So if you might, if you got a four point, two I'm not mad at you most of us. There are millionaires or multimillionaires. Ride around three point out: we were not inordinately bro, Now we want a one point:

to either. I mean I had one robot ever graduated from college after two semesters with a degree and bear Pong Nega flunked out. May. This is not smart show. You know you do need to study. You don't need to actually apply yourself. You do need to acquire academic, an intellectual skills along the way increase while thanking skills, meaning you can think for yourself. You dont need voucher, telling you how to think. You learn to do, math, which they dont teaching match school. We learned during the pandemic so learn to think outside the box. Because the boxes were normal, people live, these are the boy who bill wealth in America Day and they re. do it's not a false dream. It's not positive!

aging and I'm not some kind of baby boomers bootstraps, who doesn't know is like in the real world honey, I'm so stupid I'd. Do it twice I went broke after. I became a millionaire the first time, because a borrowed too that gun much money. I got a phd in. Do you and be that's my degree. This time are built our wealth. We don't borrow money. We don't borrow money. The need payments and Attention or your money going, you end up with some It's really not a deep formula, but you don't to get rich on, came, stop or AMC stock. You don't need to get Jim Bitcoin you'll, need to get shouldn't gold bars. emotional windows, statistically its quick, doesn't work statistically among the millionaires. The number of them that got rich,

quick and easy was very reversible. Turns out tat. God is not in the Roy business, he prefers crackpots who hastened to be rich, will not go unpunished. This is our wealth is really built in the real world boys and girls. Now I know it does work on CNN. But very few things do. Including their ratings, here's the thing guys, you really need to look and say our real people doing who have really built wealth. How do they, right. There lives. How do they think how they treat spouses, what kind of character of these people have, because I really- A lack of integrity is actually a huge statistical indicator that you're not going to bill wealth, cause people too work with Crux DA night, does

Ben crooks but calm wealthy, but that Nowhere more doesnt normally happen normally as steadiness system, see these. That was caused people a bill, wealth, Kathy weathers Cathy, using to pick a Kansas Cathy. What does your net worth David? such a pleasure to title are not worth one point for one point: four million good for you, Gimme a break down on that by category, They stood the housing market. Our house is about four hundred, the rest retirement following cases I raise paths so you're a million dollars in what mutual funds in retirement good for you? How old are you I'm I'm forty, nine and my husband, forty nine good, not even fifty on your millionaires, love it of the one point: four million. Did you inherit absolutely think. Zero. Ok, zero

right girl and what was your own best household income, ear and worst household income here, since started adult life I'll before we're married. You know starting probably twenty four thousand are best thought to eighty, good for you? What you guys do for a living only for delay tee? My husband is actually a director and down- and I work more in the business by but in my tea department, very cool good for you for the Grecian that are in something else, No! I actually went to a technical colleagues and my husband believes in d by actually majored and radio? And previous OK broadcasting, Coca COLA and what was your GPS

lying. I have no idea cowboy. Wasn't that great, maybe sprit of bad. My husband was three point four good for you Do you think this can still be done? The young version of usage. Listening, oh yeah, yeah, don't bluntly, why would you tell em they need to do well, sway when I'm I've been afforded at the same company for thirty one years ion actually started in control? to my borrowing, k right off the bat, so I would say do that stay out of that, I actually did stay out in that as far as credit card. But you know I was just normal and how do we they are gone

the mortgage is all about staff and my husband had student loans, though- and I should say that were both but we were divorced from this marriage, so leave pretty much started over fourteen years ago, faded Fourteen years? Yes good? you're, so starting over at thirty. Thirty years, all our five urea about thirty, thirty, five and thirty five years, Thirty five year old, newly divorce personage listing and has started over with nothing, they should give them hope. Yes, sir, You have to have been. The main thing is just don't worry about what other people do like what other people think in our brains out by cars every year and now the designer genes in the latest fashion, then you just have to say I don't care, just be your own person I'm not setting much standards based on other people?

and I won't be like good for you guys, I'm so proud of you. The biggest I'll take you ever made with money in your whole life. Are you I don't know it would be more about. What's biggest, that was the dumbest thing he ever did they have done this thing. Is I heard there already I must say I was asking her hard question: what's the dumbest thing you ever do with money? the money will Dave. I did the whole dot com boom ideas

so there was a lot of playing with money back then, when pumpkins the ranch do as the stupid you, but nothing better is all about people listening that laws there, but in the dot com bubble. Oh, my god, we were betting on companies that didn't even have a rather nervous dream, like some people are doing right now. Oh my gosh, that's beautiful land! Thank you! I'm so proud of you guys. You're heroes very, very well done. This is an everyday millionaire theme, our dear on the Ramsay. Shout

our scripture the day John three, twenty seven John answered and shut a man can receive nothing except it be given from Heaven She S. Lucia hardships, often prepare ordinary people for extraordinary destiny. This is Every day millionaire seem our. We ve talked to everyday millionaires, some of which were baby step millionaires, meaning they followed. or path to become millionaires, starting from nothing? out of them glittered in fourteen years today today without an engineer and insurance under writer. I can action manager and m. I t specialist, that's all we ve to show far Michael, is

Dallas, Michael. What your net worth! three three million one points. Three gimme a break down on that by category. Ok, about one million forty one thousand for one k, stocks, mutual funds and the other three hundred is normally liver, gotcha clue. How are you if you want and my life is forty, eight passion and how much Did you inherit not a penny? printing, ok, and what was your best year working hold income and your worst year working household income I started my career and want to do. it's nice to do for a living unleashing a chemical My wife is a homemaker. She much part time. Sometimes, coup Actually, obviously, at an engineering degree, yes in three point. Four Canada still be done

if some twenty five years old, listening to you, May I just looking this morning I can't believe is grown big it why don't you just? steadily invested in your for a one case. Almost all other right does not drought made off Will we always two thousand? Our house was close to being done with the house when I quite know can be done under the too much of the house, gotcha, very cool, it's the dumbest thing you over there with money. I talked about this. I think we had to smaller For too many years, worry finance, to a lower rate thirty years before I'm looking at you And we should never done. That is only the last about five years. We ve gotten pretty in terms about parents, house, ok, Matula payment, you mean you just paid as little as you could. Instead a pan extra and get in future to Iraqi. We did thirty years and made it as low as we could now mistake. We should pay more. You didn't great man, I'm proud of you very very well done

Jamie and John- are weathers from Cincinnati, hi guys what you're net worth below Dave its One point too good for you and me little breakdown by category on that. Well, and quick summary. We ve got just under one million and retirement accounts feeling one case: Raphael Rays and taxable mutual funds as well: listen, cash Dharuma little bit nervous circa. Your friend is a bit like a big deal for us are works. I did a nurse at the same time round understand and then we have to pay for home and The small business it's worth a couple underground, maybe like one thirty one. Forty, ok cool we have some business assets and cash in my ever growing. Small oil see good for your end of summer software incomplete equipment. Things like that you're gonna go

you got and I just turn fifty this here in her last beer December, fifty five good for you gas and how much one point: two: did you guys inherit now ten zero in blood, sweat and asked he u tears. I love it and what was your best you're out of your better and more than we dare to remain where you been our life her for a decade now, almost on a daily basis, has been fun, I'm honored! So what best household, your income in your worst householder income. What, since you ve been Workin, when we welcome, we were not made, have been working since I was fourteen author of the first couple of decades out, but when Jane I got married two thousand eleven, we were probably around a hundred thousand together and are our best year was probably two hundred corey I'll do for a living

I'm a registered nurse a machine is by trade turned into a contract cnc programmer good for you. Ok, either now, obviously change gotta for your degree or more nursing and would be of it afore you're too great John I do not. I will I said yes, the machine is by trade and when the three year Highschool diploma, when, when covert hit me company of seven years led me out and when you re millionaire with no dead. I thank them for the walking papers and started my LLC and I have,

today's and make more money near remain your life now Bessie. Thus they ever happened to you got five was thinkin job, my job and I thanked Omen and- and I the HR lady, when I thank them, she had this silence on the other end of the phone. I said you just made this life dream a lot easier. So thank you very much and best of luck to you. While point ago, here, a nice guy, I love it very cool. So do you think someone listening to us is twenty five can do this? got and tag to, and on that note we you know, entered the give like no one else in came across fulfilling the idea, through your Would you like some opportunities? We had a little money to tie them in sided. You know that someone new and came across your curriculum.

Opportunities to purchase for different school for the high school curricula and have then it doesn't take them as long as it does so you're, but only the way, your gear, the way you're being generous system by the house, go curriculum for your local hospitals. That's cool! Thank you, yeah! Thank you! So much will you guys are absolute. He rose. I am so very proud of you. very well done. What a wonderful story, Ok, our net worth today. Folks were to point to one point to one point: one one point for one point: three one point to none of these people were ten million airs. None of them were even farming energy, Oliver more between one and three million dollars in that worth. They were thirty, nine. Fifty forty four forty nine fifty one. Fifty and fifty two. They were not eighty Twenty six.

The range was from thirty nine to fifty five average time today was for ten years. Some people did at nine or ten some what did it in seventeen? There are the law people woke up in their authorities and by the time they were fifty They were millionaires because they applied the baby steps that we teach. let us not to say the baby steps only way to get there, but their baby steps millionaires. They started from nothing, oh by the way, the number of people that it became. A millionaire that called in today due to inheritance was precisely zero, which is statistically accurate as well. because our study found us. I've told you before ninety three percent of America's millionaires according to the largest study. I say it over and over again, so you can tell your friends her stupid. eighty three percent of America's millionaires according to air tight research in the largest study of millionaires ever done in North Amerika are not millionaires because of inherited money wisely,

such an important statistics because the lefties are lying to you and saying that the only way to become a millionaire is because rich people have all the money hoarded in you can't have any. That is a lie. Why then ADA says it's a lie: it's not a philosophical moral thing. It's a data thing! simply isn't true. Why does this matter? Because I don't want you to have your hope stolen by lies. There are people, equally motivated your huh. Of building, wealth and prosperity in this country today? If you take control of your freaking, life, is real. It's real. it's real. It's how it's done most often This is the message of this whole every day. Baby steps? Millionaire movement,

everywhere. People they're all around to see rich people love it. What a great our that puts us, our the Ramsay show in the books will be back with you before you know it in the meantime, remember, there's ultimately, only one way to financial peace amounts to one daily with the prince of pigs, Christ, Jesus have a friend or family member, the needs of daily those Ramsay advised in their life. Let them know about the Ramsay CALL Today POD, it's a piece of advice about life and money in under ten minutes check out the Ramsay call today, podcast wherever you listen. If you

going for fun and practical ways to save money in your everyday life, you need to check out the Rachel Crucial Applaud, guest from money export, my daughter, Reggio, prove guises rates of crews, and I'm so excited to tell you about. My party has a lot of you following paychecks paycheck their end ass. You don't even know where to begin that they have this need this want to get in control of their money and his match. You, you have come to the right starts. So each emphasising at a time of inspiration and practical advice, not subscribe to the rates of crucial pod cast, make sure you hear more from the Ramsay network, including the Rachel Crucial wherever you listened upon. Gush, hey, it's James Serve the Ramsay show this episode is over the checking,