Live from the headquarters of casting from the dollar car rental studios, it's the Dave Ramsey Show worked at is dumb. Cash is king in the paid off our mortgage, the place of the B M w as the status symbol of choice, I'm Dave Ramsey to host this is your show. America, thank you for being here. Open phones, a triple eight, eight, two, five, five, two two five at triple eight, eight, two, five, five, two two Five Katie is with us in Utah, hi Katie. How are you hi Dave? Thank you so much for taking my call

Certainly, how can I help where, in baby steps, four five and six our home is paid off? We paid off, rental property and we are aggressively trying to pay off our last. You and my question is, but if we keep going the way we have, those will be done in three years. Michael. Thing: I've got a daughter who is in college, and she but needed any help stuff far 'cause she's put on scholarship that ends this year and I have mother daughter who will be attending college in the fall and she has half tuition. So my question is: do we keep going Gazelle intense? We can't do both helping our kids and finishing our goals. What do you recommend, Is there any reason to not help the kids? Well, we've just been working towards this for so long once those are paid of we would

probably easy, be able to help them catch will college. It will just but they're, not you don't have the luxury of waiting for them to go to college until the houses are paid off. No, I mean that's like you're, just I don't go to college for three years. While I got these paid off No! No! I guess I just don't know if we put more responsibility on them and we have five hundred and twenty nine for them, but there's only about six thousand each in it, and then we I have two other children who are younger but so I just didn't know what our plans should be at this point: right, how much money do these two children, two two young adults need next year? next year. My old water will need probably ten thousand dollars, probably about that for both ok. So twenty thousand dollars

and how much is owed on the rental properties. We all right now about one hundred and eighty and you're, paying it off at what kind of a right. Now I found. How much would you off next year? If you didn't help, the kids were about three thousand five hundred a month extra, ok, so about forty five thousand dollars a year, yeah! Ok! So forty five thousand dollars a year is going towards the east and search for years? You'll be done now. If you don't do that, and you help pick the girls to the tune of twenty thousand, it slows you down by almost half, shows to the four years of put you on an eight year plan to have your rentals paid off okay service, the four years it takes eight years, but the kids the these to go through college

that for years we only be four years total, but you've got others coming on so you're, going to put your going to put twenty thousand dollars a year towards college for the next many many years with four kids give or take so yeah, I'm going to help the kids, I mean you're, going to get the rental it off it's just a matter of when and how we're doing slowing down when they're going to get paid off and on in any any our responsibility. You can the home they for maintaining and getting scholarships will be awesome for working would be all and they're doing that. Yes, they are doing all of this. So but anything you can do to keep a little bit of pressure on them, but I'm not going to go to the point they need to take out student,

so you can pay off rentals. No, that does seem ridiculous. It is ridiculous. Yeah absolutely in the these are kids that you are agreeing with their work ethic you're agreeing with their personal character. Their social habits, in the words, are not out there doing a bunch of crap, you don't agree with and still writing you to give them money. I I hear good kids here it can't yeah. This is this is what you. This is why you work. You take care of them. Okay and you know, unfortunately, no, unfortunately, I guess they looking toward graduate degrees as well and that's a whole nother ball park that you recommend continuing to help them through. That is on the situation again. Do I don't rank? Do I in this case I we were presupposing. We've still got good kids. Do I agree with the with the field of study? Yes, you know you know what do I want to spend eighty thousand bucks getting a master's degree in social work from my point.

One thousand a year now. Thank you, but I might not. You know what I spent eighty thousand dollars or fifty thousand dollars or thirty thousand dollars getting an mba yeah. I would. I would have If that's the desire of their heart. You know I do you have to do that now. You don't have to get Greg to graduate level work to to win in the marketplace. You certainly don't, but but if they've got, are a reason career path that there's an r o y on this return on investment on the on what their ship willing to spend and so forth. Then I may participate with them there, but we're gonna have to look at that. I can't guarantee you know we got a look at her house. Older got weather is coming behind them and you do have these rentals that got to be finished up at some point, so just play all that by ear, but for the next couple of years,

to slow down the speed at which you pay off your rentals to help those two kids to the tune of twenty thousand? To me, that's a no brainer sharing and I would make that decision in about thirty seconds now. Are you evil? If you decide not to do that now, you can do whatever you want to get your money, but you know with the information you gave me, what would I do if I were in your shoes? Well, that's what I would do. I thank you for the call open phones at eight billion, eight hundred and eighty eight million two hundred and fifty five thousand two hundred and twenty five Glen is on Facebook. My company is offering a pension buyout. If I have fifteen years left of work, would rolling it over to an IRA makes sense. Yes, you will. If you put in a good growth stock, mutual funds, you make a better rate of return engine would be paying an when you die with a pension. It dies with you when you die with an ir a it goes to your family. So, whatever that big lump mom is from all these years. I would definitely roll it over there now, then. The question

what are they going to pay you? While you are still working there, I'll pension buyout fifteen years left to work? I guess you're not staying at the company, probably probably going into a different company, and then you would you continue to save for retirement with a new karere. Yes, I would, but now, if the pension by involves you buying you out of the come out of your job as well, and you're going to go, get a different job, then there's other parts of this equation, but just looking at the pension part alone, it almost always makes sense to take it when you can take in a lump sum and roll it to an ir, a don't touch. It put it in good growth, stock, mutual funds, an you know, and we spread our investments. I personally spread my investments. I recommend you spread across four types of mutual funds: growth, growth and income,

I should have growth an international and if you need help doing that, I'm not in the investment business, but we've got function. We recommend you go to daveramsey dot com over on the right hand, side of the web page just in little bit down you'll, see smart Vester click on Smart and you'll, find an opportunity to put in your name and address, or your name and your phone number email, that kind of stuff and you'll get a list of smart buster pros people. We recommend in your area and Then they'll get in touch with you. You can get in touch with them and get some advice that way and get some help with this. This is the Dave Ramsey Show

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order for the lifetime of your subscription. Get this deal right now. I butcher box dot com, Slash Ramsey! Thank you for joining us. Shelly is with us in Charlotte North Carolina, Hi Shelley. How are you better that is? This is saying: how can I help I have been listening to your show up in Beijing on a nonstop for about the last month and I'm finally ready to get started on my path to financial freedom the quite a bit of

I'm trying to figure out the best way to approach them. I had things that are currently not in good standing an I have an offer to settle them for a lower amount than what actually on the man from wondering, if I should say, let's take a monster, let me get the whole picture for a second, the two that are not in good standing. How much them and what is the offer. So the with the interest in everything that's capitalised overtime. It's around ninety five thousand up in being offered a felon for thirty thousand wow. Ok, that's a great offer! and do you have a thirty thousand? I I have. I have about forty thousand foot away, ok, wow and how much other student loan debt do, you have about forty, five thousand, ok, and what other but other than that that you have that's it? and what is your income? My

Amazon about one hundred and forty five good for you, do for a living I'm in human resources and hospitality for you, okay, excellent, right. So why were you behind on the student loans with this kind of income, uh says, there's a whole lot of stupid involved before this. Before the story. I just gave you guys much where I'll go with them. Here's the if you can get in it only if you can get in writing the third One thousand dollars offer to settle the ninety five in full. Can you get that in writing?. If you can get that in writing, I'd write him a check tomorrow. Ok, alright! So I'm so I can get it get it get it in writing and, unfortunately, Leslie its trip. Over the last three years oh initially, I wasn't making nearly as much and just kind. Overwhelmed with it and didn't really see any option for it and

then see you, and I know that now is definitely possible, but here's a cool thing. I mean you do that you got ten thousand dollars left. You have forty five thousand dollars in student loan debt, one hundred and twenty five thousand dollar income. You should be done in a year, yes fair enough yeah, you know people here, you learn less. The debt free school calls. You been benching. Right, I know I know it. I can't wait to call back and do my debt free scream. So I mean I heard you. Poor people pay forty five thousand dollars off in a year that make less than one hundred and twenty five. Yes, right, you're right in that and that's where the really motivated me to go ahead and get the ball rolling yeah. This is very cool. I'm proud of you. How old are you thirty yeah and your whole family tree. Yes, yeah. Really been really important to me is making a difference in my family tree yeah you're doing good stuff. Congratulations, finally, make sure you have it in writing. It doesn't

if it's not in writing and keep a copy of the check that you send them certified check or whatever you send them a stapled to that letter saying Thirty thousand dollars settles those accounts in full and you keep that hard copy in your files. The rest of your life, because it's going to come up again, they're going to forget they're, going to our record, show don't give a crap what your record show. I have this right here and you're prepared for a court case if you need one, because that is an incredible offer thirty thousand dollars on a student loan debt out of ninety five, I am so my guess is: these are private student loans there not Sally Mae's, because how we make doesn't give you that kind of an offer the federally insured when she won't get that kind of an offer. So I take video in a heartbeat Allison is with us in Allentown PA hi Allison. How are you good day value better than I deserve? What's up hum

Oh I'm eighteen and I'm going to college next year and I have not yet decided on school because I'm waiting to hear back from all of them yet, but I'm considering a state school. So I can get out that free because my parents will help me good, but I also plan on going to medical school after that, and I want to get out with little loans as possible and I plan to follow the baby steps through that program. Getting my medical degree was wondering if it is possible to go through medical school with I need and how you would get sure there are four things that come into play. Just like your undergraduate, the most important part of the formula is how much it costs and how much it costs depends on where you go now normally happens to people that are going to post graduate work like that law, school, Med, school dental school, that kind of a thing they're just happy to get accepted anywhere, 'cause, it's so tough to get in

And so it's like well, who I got accepted to med school? They don't even think about what it costs or where they're going and they're just had. I got accepted, I mean, and Finally, there right and they don't they don't go past that, and so I don't want you to think that way. I want you to think I'm. The customer goes by the way when you're paying somebody two hundred thousand bucks for something with a customer, and so I'm going to shop around and I'm going to try to get approved at some schools that are less expensive because I gotta tell you The doctor, a bunch, I'm old and I've never ask a dock where he went to school. Ok, I never asked They got their medical degree, they got. They pass their boards, their legal in the Us Ann. I didn't ask where they went to school. And you know I could have gone to Harvard or they could have gone to whatever you know, and so the point is it that it's, the you know

You can pass the boards coming out of it. Then you went to a good med school. So where you go, is a big part of the equation, the second or third, four things you can do obviously a joining the military as an option and they pay cat they pay for it. Obviously, there's a: program. That's not as well known called the M D Phd program. You may want to look into that, for instance, do Que as one of those they're very difficult to get into, but if you can get a Essentially what happens is while you're in med school. You are an employee of the university, and so you go so you go to med school free, but you work in like a crazy person. I mean much. Okay and on all the way up the residence and everything I mean it's it's hard in terms of the hours, but you know so it's been turned out of ours and that that's hard to and in the third one on the last one is on. Very hard to do in very even more unusual, but always mention it 'cause. It can happen. There are two groups:

people that really like for new doctors to be birthday every year, and that is the drug companies in the hospital corporations and so talking to hospitals about a Always laughingly call it an indentured servant program where you promised to work for the account military where you problem work for them, so many years after you get out and in return they pay for your education. Some of them are so desperate to get a Doc in their hospital in a rule setting or in an urban setting that they will do stuff like that as a recruitment tool for docs. And so you start talking to both of those. Now the drug companies aren't trying to recruit you in their case they're, trying to trying to make you into a customer for life, and they just have some scholarships. But the scholarships are very rare they're there, though, there's actual drug company med student scholarships so check into those things and again much

to do. Man is going to require a lot of extra work on your part, but there are those. Those are some ways that I have talked to people other than having rich parents that went to med school without any that, and you know just be cognizant, I'll talk to you later today. There was five hundred one thousand dollars in debt for med school, and just I mean just take your breath away and popular writer on there. I think it was like two weeks ago, and so you just gotta really. You are because you're asking me the question at eighteen years old. So that tells me you are paying attention, but just pay attention to that and again school selection weather its postgraduate work or whether it's undergrad work school selection. People is the number one thing you can do to go to school debt free choose where you go to school, something that's affordable! That fits your budget now if you've got a big fat juicy budget

I don't care where you go to school, but this idea you're going to pay five thousand and sixty thousand dollars a year for undergrad tuition, because you, like the oak trees on the campus somebody I'll smack you and your momma, The Dave Ramsey show

you know, I get asked all the time at what age should I buy life insurance? Let me be clear: if you have a family, if there are people depending on your income, now is the time to have term life insurance. I don't care if you're, twenty thirty, four thousand and fifty or whatever your age is less important than your financial situation. If you have debt Anna lack of savings, it makes no sense to risk your family's financial well being based on the cost of a term life policy term. Life rates are just plain cheap and the best way to compare those rates is through Zander Insurance call, eight hundred three hundred and fifty six four thousand two hundred and eighty two or visitzander dot com,

in the lobby of Ramsey Solutions, all the debt free stage, Spencer and Casey, or whether site guys? How are you I'm great? How are you doing great day? Things are happening. Absolutely. What do you guys live we're near Jacksonville Florida? very cool will congradulations welcome to national and here to do a debt free screen yeah, how much of it paid off seventy three thousand seven hundred and eighty three dollars very cool, and how long did this take sixteen months, wow and your range of income. During that time I started off myself, we are not married at the time when I started so my salary starting off with about fifty five thousand and it increased through the process to about seventy five thousand.

And then we are married, please I'm and at one hundred thirty five thousand very cool how long you been married. I we got married in December, so it'll be or when you're in okay, all right so about half of the journey was made about half was right, I'm only two months was married. Actually we offer debt in February. Also, only two months was married. Most of it was me ok, so you push through very cool. Well, congratulations! What kind of debt was this four thousand and seven thousand was a car fleece and the rest was student. My student loans located Google cool. What do you do for a living? I am a speech language pathologist and I specialize in augmentative alternative communication cool and I work it. Oh good, alright, fine cool, so the store. How did you get started on this? I'm thanks to Hurricane Irma. We are out electricity in Florida and I had this book on our bookshelf. That Spencer was gifted for graduation and it was the total money makeover I was like,

is Dave. Ramsey guy. I don't know what I think there's this book and I have no electricity. So let me read while we're waiting for the power to come back on an I finish, your book, I think in two days I was just so blown away that people could pay off loans, and I had all this debt from school and I was just felt really hopeless. An reading that book really helped me see that it was possible answer. Expensive we're doing this and he was like great I've, been telling you this whole time. I pay off your student loans, I'm great you're going to do that, like ok, great, very cool cool, and so you got a good running start on it and finished off. Put the icing on the cake after you're married yeah, very cool, congratulations, Finkel, how's! It feel it's amazing, so freeing I was petrified before we got married and I kept on wanting to push our wedding back and she kept on saying no Dave tells you to get married and then work on it together and we ended up doing financial peace University before we got married and that really helped us get on the same page and then I said: ok yeah, we should get married and then we finished it off real quick after that.

Very cool, so that's that's! Pretty good pre marriage, counseling yeah, absolutely up down very cool. Now we run our own a few class. Thank you! That's fine! Yeah! We got a great laid out with right. Exactly then there done got the t shirt. I love it very good, very cool. So when someone asks

do you do this? Well, I worked three jobs. I worked all the time. I had a day job or is that a school all day and I would go after school, I would go to the nursing home and I would work more and on the weekends I would work at the nursing home. I also picked up jobs at a private practice. So then I would work the summer I would cover vacations and between those three jobs as how I raise my income so much, and I would say that as well. I was the key to me paying off my loan, so quickly answered lots and lots of work. Yes, what do you think the keys are out? Well, I'm if you've a shout out to my mom, who always told me, I needed a budget and I was just too young and hard headed to listen to her. So for me having the plan, I did not work as much as she did, because she had a much more. Lucrative opportunity. So I would have to say that it's just having the plan in the determination. Those are the two things that you need and then you can get through it yeah, absolutely very cool. You guys well done

How old are you too? I'm twenty eight and I'm thirty, okay, very cool. So when you read articles or hear people say millennials or stuck and can't get out of that, and yet you did it. What does that make you do like you did yeah yeah exactly. I chuckle I roll my eyes and you know the conversation comes up all the time at work at in our church and stuff. It's just it's. It can be done. Don't let other people limit you yeah, believe in yourself. No, you don't have to get a permit. Slip. Your adult I adult. I love it well guys were proud idea, thank goodness job good job. All right spend Casey mainly Casey? Seventy four thousand dollars paid off in sixteen months and I've been married two of those months. Congratulations you guys. We've got a copy of Chris Hogan's book for you, every day millionaires. That's the next chapter in your story. Keep going! Meanwhile, you play in the baby steps you're going to be there you're right on track. Very, very proud of you all are

counted down. Let's hear a debt free scream, three hundred one. Well, we love it love it love it and the crowd goes wild or well done. You guys very, very well done. It doesn't matter if you are a boomer and ex or as a the whatever, whatever initial or group want to be lumped into in terms of your age, demographic. I can guarantee

people of your generation, no matter who's. Listening. This right now have done stupid stuff with money, and I can guarantee you. People of your generation have done smart things with money. The interesting thing is: it's a choice: you're, not a victim of your circumstances. You're a victim of your choices me too,

we all make choices. One set of choices says I'm stuck. I can't get out, I'm a victim, and so I choose to sit here and I choose as a result of my lack of hope, my victim mentality, to do nothing. But then along comes someone like Casey who reads a book by candle light, because the electricity is out an hope kicks in see. The only difference in our situation was nothing changed from before she read the book to after she read the book. Share the same amount of income share the same amount of debt both times the only thing changed what she believed she could do it. That was the only thing that changed. That's called hope when you believe you can do something. It changes the equation. Henry Ford said: if you

you can or you think you can't you're right. All people like me can't see when you start going people like me. I just wanna, smack you 'cause, I gotta tell you, there's always a people like me, whoever whoever people like me is there's always or to they went one anyway. They went and became a victorious anyway. They they did it any way they danced in the way they got up and worked hard in the way they went and did things that other people wouldn't do

in any way they did what it took a any way. Inspired a billion people lack, maybe give me a break. You whiner call a win Bela each people like me, you Blake, shoe deal heart, you're jewish, took you, don't understand, there's always a people just like you that went in one anyway, they became victorious anyway, the pay off their debts anyway. They finish their four year degree with out that in any way, they went and made something of their lives in any way you get to choose This stuff card gives you the dignity of choice. The problem is, you can choose to do nothing, you can choose to be a whiner, you can choose to have e or as your spirit, animal. Oh well, you just can't get ahead. It's just live. Burden.

Moon, moon, you don't understand, and all in all it is a choice. The choice, the decision, I've been locked down, I'll have I've had the breath knocked out on me? I know how it feels. I got scars all over my psyche. I know exactly how it feels I've been cheated and lied about and betrayed. I know exactly how it feels I've had people write entire series of articles that were full of lies about me. I know how it feels I get it I understand, but you gotta go win anyway. You gotta suck it up, I'll call you throw your shoulders back, take a deep breath and charge anyway. You gotta, knock stuff down. Make things happen? anyway. So don't call me up because I'm just going to go. You got do it anyway, there's thirty years, lots of people paid off that 'cause we made him believe they could. We've never paid a dime of your debt, never paid a dime

single colors that and yet they did, because suddenly they start believing they So when are you going to start yeah, I'm talking to you? it's time for you to win anyway. Mark is with US marks in Florida, hey Mark. How are you I don't know what happened? Something screwed up with that phone. Just in these lines, look like they're set up wrong guys.

When phones at eight hundred and eighty eight million two hundred and fifty five thousand two hundred and twenty five you jump in, will talk about your life and your money? Rob and is in the Ramsey baby steps community, now, starting the baby steps, and I heard you talk about gazelle intensity never had any major emergency. So is it okay for me to skip baby step one and just are paying off my debt. No. No. When you have absolutely no money in savings, you know what you're doing you're sending out beacon light. This says come attack me I call my stuff you're asking for it. Well if it's going to come, kick you in the knee and then kick you in the teeth. No, your emergency fund is Murphy, Repellent Murphy, repellent. And that is how it works. No, no! No! No! No! You do your baby step, one all right! Let me now. I got it working okay mark me, Florida, hey Mark. How are you hey

Dave. Oh my god, I'm such a huge fan. Thank you for taking my call my ownership, Can I help yes, so I am in thirty thousand dollars credit card debt and I'm I'm a flight attendant. I have a plan which is to be debt free before turn thirty and that's going to be in one year and two months from now. I feel like my financial situation. Longest time has really affected my social life. My my life in general, dating my relationships with other people like stuff? Like I work for the aviation industry and have great benefits, I can travel through and stuff, but I couldn't even do that because I'm so I'm so broke, but like. I live in a roll up knock this in the head in this coming year. That's good!

I I will- and I have been question videos yeah. So basically, I'm trying to like mentally and emotionally prepare myself for this. My question is Since I know that this is going to be very it would be easy and midlife crisis now being that I'm almost thirty. I just feel like I'm so alone in this journey, and I see all the people around me and like most of your, like a lot of your colors like couples, and they have that support the stem, but I don't know just why? Don't you jump into financial peace university? That puts you in in the communities as well- and I know you travel when you may not be able to hit the classes exam online, I'll give it to you, Give me the one year, membership and the Non week class two and that'll help you get this going because with beauty nature vision, whether you go to the local class, and you should do that. If you can, if you can

all the classes are online too, is a part of the membership and there's all kind sense of community online as a part of education virtually inside a french version, Murphy only people that are doing this stuff are in this, it's not open to the. Like it's. Not any you've got a huge facebook group, the rams Baby steps community is about about two hundred people, but that's not inside of an entropy university inside of an entropy university or communities of people just doing fp. You they're just doing this stuff and you can get the support. Community that way, 'cause. Really what you've got is you have nobody walking alongside you except wondering if you're crazy plus, I mean you're ghost you're in and out of town, all the time with what you do, and so it's I have a lot of connection anyway, because you just travel all the time and it's the nature of your job

so yeah hang on and I'll have Zach pick up and we'll get you plugged into that, but use the community aspects of it, because what you're outlining is a norm human need and that is to have encouragement. Accountability from people that are on a similar or a journey that at least shares the value systems of the journey, Hannah is with us in Louisiana, Hi Hannah. How are you I am doing great Mister Ramsey. I appreciate you taking my call sure. What's up here's my question, so we have drank the day, Kool aid and we will do exactly what you say. We are on baby step, two we've paid off fifty thousand dollars in one year later. Thank you. We have seventy seven thousand left Our income in January will increase to five hundred and twenty five thousand dollars holy moly. This

increase from one to five and a quarter on from three hundred and sixty to five hundred and twenty five. What in the world? What is who is doing what who's the rocket science well. My husband does surgeon in I'm a a so what is happening that he finished a fellowship or something he finished and then I finish in December and we both have jobs lined up dang dang, why to God, Why don't we wonderful store mean? We've lived like no one else, so you know we were finally ready to, but here's my We want to Know- and this is never been- and I've been looking. We want to know, by both of vacation, home and a home. At the same time, if we stay within your guard lines of putting twenty percent down and stay within twenty five percent of our budget, that makes are both of our the mortgages between eight hundred and one thousand.

Seven dollars per month. Now we want to know if we can do this is because, like this is our big one of our big wise, we want to have vacation, half a million dollars a year, you're going to have a vacation home in twenty minutes, but no finance a vacation home, that's a totally as you can rent a five thousand Square Foot Villa for a week staffed with eight people for thirty five grand in Jamaica on the beach. Ok, Even for twenty five grand, as opposed to going and buying something for two or fifty thousand yeah, I don't mind you going vacation home, I have a very nice like home. It's one of my favorite places on the planet. When I turned down the street, my blood pressure goes down. I love that place. Okay, but toys you have to pay cash for a vacation. Homes are toys. What you're going to discover is you constantly have to work on them?

and for the number of hours you actually spend in them what you couldn't? What use what you have spent on them is actually ridiculous, but that's okay! You can afford it. You make enough money as long as you pay cash. So when did you when did you buy your vacation home? Can you buy babies? Ok, listen we're not that far away right. Ok, you make five hundred and twenty five thousand a year, yeah You paid off after off one hundred fifty last year, and you made three hundred and sixty yeah, ok be there in twenty minutes. Just do it right don't get in a hurry know the right answer that sounds right: ok, yeah, the right answers by your home, pay, your home off and then by your vacation home with cash, ok and do path question: where do you want to buy it or is it I want to buy it in Florida. We want to be in one of those beach communities and have like the pool in like have our kids. Have all these memories

best, comma weekends and asking how old are your babies? I have a one year old and twins that are almost three now, which which area of Florida are you talking about, were thinking Gulf shores. Destin Orange Beach, like Florida or or Alabama the whole forty eight thing that's happening in all that. Ok, so here's the thing just jump logo v r B, o is for for how the best house, in all of Orange beach it ain't that much for a week. Yes, my my ex five and a quarter into much okay, yes, my makes thirty two thousand. A lot but, but I mean relative to you- buying a two hundred and fifty thousand dollars home on the beach there. What you can start? The memories now is what I'm saying right: ok, expensive vacation you can afford

right, well sure sure, yeah, once you into baby step, four thousand five hundred and sixty yeah you're right on track cop Lee wow. What a wonderful shovel! Congratulations! I'm so proud for. You all enjoy your money, but do it at a pace? Do it at the speed of cash, which is the speed of wisdom, enjoy your money, but you always pay cash. For toys. Much more enjoyable. When you finance to your dream, whatever it is, and you put it in the garage and it just sits there and looks at you and you right five times a year or you take it to the lake six times a year or whatever it is. It just takes in your payments on it twelve months a year that just doesn't make sense It doesn't work. It takes the joy out of owning the stuff, so don't pay cash for cash for toys package for toys, good question: I love it, I'm so that puts us our the Dave Ramsey Show in the box.

display Thompson, senior executive producer, the Dave Ramsey Show, but you know, over fifteen million people, listen to the Dave Ramsey show every week and a lot of those people listen to one of over six hundred radio stations across the country to find a station near you had the daveramsey dot com, slash, show you're, looking for fun and practical ways to save money in your everyday life. You need to check out the Rachel Cruze show a podcast from money expert and my daughter, Rachel Cruze, hey guys, it's Rachel Cruzan, I'm so excited to tell you about my podcasts. A lot of people are living paycheck to paycheck there in debt. They don't even know where to begin, but they have this need. This want to get in control of their money, and if that's you, you have come to the right spots on each episode. You can get a ton of inspiration and practical advice if not subscribe to the Rachel Cruze Show Podcast make sure you do it today hear more from the Ramsey network, including the Rachel Cruze, show. Wherever you listen to podcasts, hey, it's J

producer of the Dave Ramsey show