Caller
Appearances
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
Come back tomorrow for that one.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
It's all people who limited themselves as well.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
Passing that shit down.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
You're all right.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
You're gonna get way more negative, bro.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
I want to hit on this, man, because I think it's important. You said, you know, and we don't want to look down on anybody if that's what they chose to do. Problem is, most people are settling in their lives. No. You know what I'm saying?
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
Yeah, man.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
I love it, man. Guys, Andy, let's do our third and final question. Andy, we've got question number three. Hey, Andy, I'm 25 and near bankruptcy. I started a business a few years ago in video production and quickly worked my way up to two hundred and fifty thousand a year, being the only one in the business over the past few months. I let my ego get the best of me and I have no money left.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
I'm behind on taxes, $60,000 in credit card debt, spent it all on going out and expensive purchases. And I got lazy and overweight, lost quite a few clients and businesses slow over the winter, but I am working my way back. What advice do you have for me or other entrepreneurs who have self-sabotaged after getting their first success? Thank you, guys. I hope this one makes it on the pot.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
I think others can relate. Self-sabotage. How do you what do you do after that moment?
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
Let me ask you this, Andy, because I've heard this before. I don't think you've ever really talked about this, but What is the right way to win? Meaning like how do you celebrate the win like the right way? Like winners know how to win, right? Like act like you've been here before. My coach used to tell me that all the time. Act like you've been here before, right?
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
What's the appropriate way to do it in success?
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
It's not like it's a fine line. Like, it's a pretty big one.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
No, bro, they need this talk, bro.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
You're cold? Bro, it's freezing in here. Is it? I really believe Klein comes in here and fucks with the thermostat. It's possible. You know what I'm saying? You told me- You guys all cold in here?
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
I think that's a perfect word to distraction.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
It's freezing. It's freezing. Maybe you all shouldn't hide in here all day and you wouldn't be cold. This is my only safe space, man. It's my safe space in here. Yeah, man. Well, guys, let's get better today, guys. We got three good ones for you, Andy. Guys, Andy, question number one.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
It's not it, man.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
I'd rather have the money.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
Yeah, obviously.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
Andy, I'm the kind of person who spends hours agonizing over every little detail, whether it's a work project or decorating my home. It's exhausting. And even when I finish something, I rarely feel satisfied. My friends tell me I'm too hard on myself, but I feel like if I let go of my standards, I'll be mediocre. How can I learn to embrace imperfection without feeling like I'm settling for less?
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
Let's get this kicked off, Andy.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
That is by accident.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
You know, Andy, you talk about, you know, even just like actualizing your own individual success. Like it's a it's a strive thing, right? Like you're never actually going to reach that. So you look at perfection pretty much the same way. You're not going to really ever reach that fucking pivotal, but you're always striving to get as close to it as possible. Right.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
you're gonna ultimately regret and that's just reality there's no way to get out of your life without looking back and being like i should have handled that different yeah i think and i think too for most for majority of people that conversation that that's talk happens at the end of it right for sure if you're lucky though you have the awareness well you have some near-death experiences
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
You also push that.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
OK.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
And that conversation came real. Like, shit, if I'm gone right now, what did I do? Yeah. That's right, dude. Yeah, man. That's right. I love it, man. I love it. So don't be satisfied. Always work to do better and learn from the mistakes. I love it, man. Guys, Andy. Question number two. Hey, Andy. I'm currently on day 27 of 75 Heart. I am learning so much about myself and my self-discipline.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
I have worked in healthcare for over 25 years in different genres, long-term care, day treatment, nursing homes, inpatient psych, and most recently in hospitals. I'm not a clinician, but a manager of over 250 volunteers in a prestigious academic medical center. I'm really good at what I do, and I have picked up so much knowledge along the way.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
I have a bachelor's degree and a master's degree, and I know I can do more. The other day, I listened to my boss voice and reached out to the CEO and chief human resources officer for the entire system to ask them their thoughts of going back to school to attain a higher level within the system. So. I now have a meeting with the chief HR officer to discuss my qualifications and what I can do.
REAL AF with Andy Frisella
832. Q&AF: Too Hard On Myself, Achieving Bigger Goals & Bouncing Back From Big Failures
I know I can do more. And I'm wondering if you have any advice for me that I can use in my upcoming meeting. Thanks in advance.
The Dan Bongino Show
Biden Is Destroying The Country On His Way Out (Ep. 2402)
We're sort of dancing around who gets to take credit for this deal.
The Dan Bongino Show
Biden Is Destroying The Country On His Way Out (Ep. 2402)
No one's dancing around here.
The Dan Bongino Show
Biden Is Destroying The Country On His Way Out (Ep. 2402)
Our colleagues that President Trump was critical in getting this deal over the line. Do you not agree with that statement? I mean, look.
The Dan Bongino Show
Biden Is Destroying The Country On His Way Out (Ep. 2402)
I'm not going to speak to a random person. I don't know who this person is.
The Dan Bongino Show
The Tragic Consequences Of DEI (Ep. 2413)
One parish was giving communion in the parking lot, inspiring someone to write, nothing in the Bible says they should risk their lives and the lives of others just to receive an offering. Hundreds of others just sent in pictures of children playing outside without masks. Here's six kids playing basketball. Super spreader event. Here's another one.
The Dan Bongino Show
The Tragic Consequences Of DEI (Ep. 2413)
And if you thought the emails were bad, get ready for the voicemails. One woman called in to report people jogging without masks.
The Dan Bongino Show
The Tragic Consequences Of DEI (Ep. 2413)
I rode my bike. I was not wearing a mask. Passed groups of people jogging from CrossFit. There were groups of four and five. They weren't wearing masks. They were not social distancing. I wasn't wearing a mask on my bike either, but it wasn't riding with people. And I was trying to stay away from people.
The Dan Le Batard Show with Stugotz
Local Hour: We're All Tired Of Jimmy Butler And The Heat
Hello? Bobby!
The Dan Le Batard Show with Stugotz
Local Hour: We're All Tired Of Jimmy Butler And The Heat
You weren't watching.
The Dan Le Batard Show with Stugotz
Local Hour: We're All Tired Of Jimmy Butler And The Heat
You weren't watching. You stayed up? Mom only stays up. You stayed up?
The Dan Le Batard Show with Stugotz
Local Hour: We're All Tired Of Jimmy Butler And The Heat
What about Spoh?
The Dan Le Batard Show with Stugotz
Local Hour: We're All Tired Of Jimmy Butler And The Heat
What would you say?
The Dan Le Batard Show with Stugotz
Local Hour: We're All Tired Of Jimmy Butler And The Heat
That's my guy. Okay, enough with Thibodeau. Papi, what do you think of the Dolphins? Oh, the Dolphins.
The Dan Le Batard Show with Stugotz
Oral History of the Dan Le Batard Show: Episode 8
Okay, if you could permanently enhance your life by four inches, would you go hype or would you go baby?
The Matt Walsh Show
Ep. 1521 - Trump Wages All Out War On DEI
Can we just drill down on this DEI initiatives piece for a moment? Because there's research that shows diversity is a strength that makes organizations stronger, whether federal or private. So what's the argument behind the scenes for getting rid of the DEI initiatives? Is it just we're getting rid of WOKE?
The Ramsey Show
Your Mindset Matters More Than Your Money
Привет, спасибо, что пригласил меня. Как ты?
The Ramsey Show
Your Mindset Matters More Than Your Money
Это дом стоит $450,000. Мы зарабатываем $170,000. И сколько вы зарабатываете на доме? Мы зарабатываем... Что? Сколько вы зарабатываете?
The Ramsey Show
Your Mindset Matters More Than Your Money
И я также плачу за студентские налоги. У меня есть около 10 тысяч долларов, которые я расширил в бюджетном фонде, и я просто пытаюсь решить, что делать в следующем. Может, я должен заплатить за студентские налоги, или просто продолжать платить за retirement, поскольку интересные цены немного ниже, чем вы ожидаете, чтобы выйти из рынка.
The Ramsey Show
Your Mindset Matters More Than Your Money
У меня есть красивая, ответственная 19-летняя дочь, которая живет с нами, и она начинает сделать меня дочерью. Я знаю, это смешно, я сказала ответственная сначала, да?
The Ramsey Show
Your Mindset Matters More Than Your Money
Да, хорошо. Моя вопрос, ну, финансово ответственная, трудоватая, отличная работа и морально сильная. Именно. Потому что у нас есть сильное основание, которое обеспечивает их финансовой ответственностью. Мы идем годами по годам. И это в текущей ситуации.
The Ramsey Show
Your Mindset Matters More Than Your Money
Когда они учатся в школе, мы им обеспечиваем зарплату. И когда они учатся в школе, они получают все эти деньги. Если они не получают, то мы им обеспечиваем. Она могла в школе обеспечить нам зарплату в 500 долларов в месяц. И она также зарабатывала 6000 долларов, работая полностью 6 месяцев. Так что у нее есть 7000 долларов в ее зарплате.
The Ramsey Show
Your Mindset Matters More Than Your Money
Я делаю это 30 лет. Никто не звонил мне и сказал, что они были обмануты, потому что они платили за дом.
The Ramsey Show
Your Mindset Matters More Than Your Money
И мой вопрос был, может ли я даже позволить ей это обеспечить?
The Ramsey Show
Your Mindset Matters More Than Your Money
Это просто короткое дело? Что это выглядит? Это так. Она развивалась в больнице около 5-6 недель, и в ее больнице, до того, как она даже могла процессировать, и она стала так больной, что она была госпитализирована. The good news is that it does go away the moment she delivers. And she's managed it now. The hospitalization helps them to manage her sickness.
The Ramsey Show
Your Mindset Matters More Than Your Money
И это точно то, что я буду делать. Ты хорошая мама.
The Ramsey Show
Your Mindset Matters More Than Your Money
Я бы был без вреда вчера, если бы я был с тобой.
The Ramsey Show
Your Mindset Matters More Than Your Money
Ну, Дэйв, я бы хотела уничтожить мой портфель и быть способна... Я хочу трейдить с криптовалютой.
The Ramsey Show
Your Mindset Matters More Than Your Money
У меня есть инвестиционный аккаунт, у меня есть ТСФА и у меня есть аккаунт RIF.
The Ramsey Show
Your Mindset Matters More Than Your Money
Потому что я теряю в моем портфолио драматически в этом году. И я просто знаю, что я не верю, что я вернусь за долгое время. Они говорят, что он вернется, но я думаю, что он не вернется за 10 лет. И я уже 72, поэтому я просто чувствую, что... И я также испытываю. Это не так, как я не... Я делаю крипто-трейдинг сейчас за некоторое время. Ты видела крипто-маркет?
The Ramsey Show
Your Mindset Matters More Than Your Money
Ну, я сделала деньги в крипто-маркете. Сколько? Примерно 10 тысяч долларов.
The Ramsey Show
Your Mindset Matters More Than Your Money
Но я также выбрала контракты, которые были ниже, потому что у меня не было так много денег, чтобы с этим делать что-то.
The Ramsey Show
Your Mindset Matters More Than Your Money
Девушка, ты просто спишь намного лучше завтра. Я имею в виду, что мы оба зарегистрированы, так что инвестиции не должны быть дополнительными.
The Ramsey Show
Your Mindset Matters More Than Your Money
Я никогда не закрываю рынок в негативном положении. Он всегда в позитивном положении.
The Ramsey Show
Your Mindset Matters More Than Your Money
Ну, это звучит так, что этот трейдер, наверное, говорит ей, что ты должен ее вылечить и дать мне все свои деньги.
The Ramsey Show
Your Mindset Matters More Than Your Money
Привет, меня зовут Джессика, и я 37 лет, и у меня два родственника. И моя вопрос, как я получаю моментум? Я на Бейби Степпе №1, у меня около $17,000 в налогах между студентами. Моя карта полностью заплатилась, но я просто пытаюсь получить моментум, чтобы получить деньги для Бейби Степпе №1, потому что я всегда пытаюсь подтвердить свои покупки.
The Ramsey Show
Your Mindset Matters More Than Your Money
И я просто пытаюсь найти способ, чтобы получить моментум, чтобы остановить валидацию этих вопросов. Какая твоя зарплата? Сейчас я делаю около 38 тысяч в год.
The Ramsey Show
Your Mindset Matters More Than Your Money
Я слушала Дэйва Рамзи от и до за около 11 лет. Но я действительно вошла в это более в последние несколько месяцев. вот это фейсбук дачи интерфейс матрия каком-то амалии варьер варьер вывал на бенцовый вот маленькая дата я даю деда деда деда деда деда деда деда деда деда
The Ramsey Show
Your Mindset Matters More Than Your Money
He's a school teacher and also has a training, like a personal training gig on the side that he does.
The Ramsey Show
Your Mindset Matters More Than Your Money
And my concern is that he really hasn't made any profit off of the business.
The Ramsey Show
Your Mindset Matters More Than Your Money
Part of my business income was paid in cash and partly by payment apps like Venmo, etc.
The Ramsey Show
Your Mindset Matters More Than Your Money
I've been paying taxes on everything except the cash and I was wondering morally and legally how I should handle that income.
The Ramsey Show
Your Mindset Matters More Than Your Money
Привет. Мои родители недавно взяли два налога на ремонт их дома в количестве 55 тысяч долларов. И они пытаются сказать мне, что я ответственен за это. И я хочу знать, если я должен согласиться с этим или нет.
The Ramsey Show
Your Mindset Matters More Than Your Money
Спасибо, да, так что я не могла бы без вас. Но у меня есть 3-6 месяцев зарплаты, я только что закончила это, и я спрашиваю сейчас, если я должен инвестировать мои 15%, или если я должен зарабатывать на свадьбу, которую мой парень и я планируем иметь в около 1,5 года. Так что я спрашиваю, если я должен инвестировать на это.
The Ramsey Show
Your Mindset Matters More Than Your Money
Да, я плачу за мои студентские налоги, чтобы я мог переработать. Это не важно, это не хорошо для вас.
The Ramsey Show
Your Mindset Matters More Than Your Money
Я работаю с местным департаментом социальных услуг.
The Ramsey Show
Your Mindset Matters More Than Your Money
Окей. Так что ваш учебник в чем? Это в экосистеме.
The Ramsey Show
Your Mindset Matters More Than Your Money
О, когда я последний раз получил 110. Окей.
The Ramsey Show
Your Mindset Matters More Than Your Money
Конечно, если бы это была просто дом, который я ищу, который я ищу в нормальной ситуации, я бы получил риэлтора. Я получил бы риэлтора в этой ситуации? Я не знаю, как с этим бороться.
The Ramsey Show
Your Mindset Matters More Than Your Money
Мы думаем, что да. Мы просто хотим планировать это, и если что-то придет, то мы пойдем за этим. Но да, мы просто хотим планировать это сами, просто в случае. Хорошо, я бы поставил очень специальный цель, номер, который вы пытаетесь снять, чтобы спасать.
The Ramsey Show
Your Mindset Matters More Than Your Money
В конце концов, но они спрашивают меня, прежде чем они листят это.
The Ramsey Show
Your Mindset Matters More Than Your Money
Но я думаю, что преимущество в том, что никто еще не смог бы предоставить обещание.
The Ramsey Show
Your Mindset Matters More Than Your Money
Me and my wife would like to put some money away for them.
The Ramsey Show
Your Mindset Matters More Than Your Money
We were wondering what the best thing would be.
The Ramsey Show
Your Mindset Matters More Than Your Money
И поэтому мы говорим тебе, что ты будешь инвестировать в свадьбу сначала, потому что что-то случается, ты начинаешь инвестировать 15%, свадьба была в бюджете, теперь нам нужно поставить ее на кредитную карту. Конечно, да. Так что, что ты думаешь, что ты будешь зарабатывать? Мы думаем, может быть, между, я бы сказала, мы думаем между 20 и 30, depending on what rates are, but
The Ramsey Show
Your Mindset Matters More Than Your Money
Примерно нет. У нас есть только два кредитных карта, но на них нет вреда. У нас есть около $3,000 в бюджетном бюджете.
The Ramsey Show
Your Mindset Matters More Than Your Money
Да, мы смотрели на это, потому что... Потому что у тебя есть друг в инвестиционном бизнесе. Да.
The Ramsey Show
Your Mindset Matters More Than Your Money
About two months ago, my grandmother passed away, and I received about a $1.1 million inheritance. Wow!
The Ramsey Show
Your Mindset Matters More Than Your Money
У меня есть множество разнообразных мнений от нашего финансового директора. У меня есть друзья, которые работают в финансовой индустрии. Я работал в банке 30 лет. Я думаю, что я ищу другую мнение, может быть, один с немного большим кредитом, чем некоторые другие, я думаю.
The Ramsey Show
Your Mindset Matters More Than Your Money
Я не получил это в моем банковском аккаунте, я просто переехал в один из финансовых институтов, с которыми она была связана. Но сейчас это разделено на 350 тысяч, это личные выборы и CD, а потом 750 тысяч в менеджерском аккаунте. Хорошо. Я не играю в сингл-стоках, так что я, наверное, не буду делать это, потому что это больше риск.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Да, и он делает очень неприятные комментарии о женщинах и... Он как-то, я имею в виду, мы не очень много разговаривали, я думаю, сейчас, потому что мой муж делает хорошие деньги, я не знаю, если он будет открытым к этому, но я боюсь, что что-то важное произойдет скоро.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Да, я имею в виду, что у него были другие агентства, которые обратились к нему, потому что он очень хороший агент. Он продает много.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
So, yeah, so the boss is one thing, right, but it's you and your husband that need to make this decision, and so that's what I want to focus on, and so the fact that you haven't brought it up to him yet, or that it hasn't been a conversation, yeah, I mean, that's more of a, like a...
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Привет, спасибо, что пригласил меня. Спасибо, что принял мой звонок. Абсолютно. Я начинаю учиться в колледже в мае. И я буду фармакистом, когда я перейду на борт. О, боже. 482 тысячи. Ох, Расти, как ты? Ты в порядке? Да, я в порядке. Я больше боюсь, чем ты. Я слушал твою программу около года назад, и я чувствовал, что мне нужно пройти большой шевел, потому что я почти закончил школу.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
У меня есть работа, я начну. Сколько ты будешь делать? Я буду делать 108 тысяч. У меня есть работа, которая будет 7 дней на и 7 дней вовремя, поэтому я планирую взять еще одну работу. Хорошо.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
She just started this job a few months ago, so I'm going to say maybe around $30 to $35, somewhere in that range. What is she doing?
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Так что дом не должен быть переработан еще три-четыре года до того, как они заплатят за этот баллонный налог. Так что я не был уверен, должен ли я платить за другие вещи еще три года или так. Вы можете выйти из этой ситуации? Да.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Расти, ты будешь иметь... Сколько это будет стоить?
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Потому что мы купили это в 2017 году. Скажите еще раз. Мы купили это в 2017 году, так что это было несколько лет назад. Я уверен, что в этом рынке он поднялся немного. Да, я уверен, что он поднялся немного.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Между двумя машинами. Что стоят машины? Итак, мы платим около $10,000 на одну машину, которая стоит около $12,000 или $13,000. И мы платим около $23,700 на другую машину, которая стоит около $25,000 или $26,000.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Привет, ребята, мне очень приятно поговорить с вами обоих. Я в порядке. Какое время?
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Какова ваша вопрос? Спасибо. Моя вопрос для вас. Как моя жена и я решаем количество личных предметов в бюджете? Так что я верю, что равновесие не всегда обязательно верно, потому что, например, у нее волосы стоят гораздо дороже, чем у меня. Несмотря на то, что ты Джордж Кэмпбелл.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Да, и вы две идеальные парни, чтобы ответить на это, с женщиной, мужчиной и мужем. Окей. Да.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
I was going to say, the liens against it, too, would be diminished, too.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Well, what's so hard is, I'm like, you've lost your mom.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Да, корректно. Но, чтобы оставить это простым, мы можем разделить сумму в норвегском кроне на 10, и мы получили... И это работало? Да. Да, конечно, это работает, но она чувствует себя как-то виноватой.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Ну, я не буду долго говорить об этом, но в 2018 году Дэйв приехал в мою домашнюю церковь и я пришел к нему, чтобы поговорить с ним. Я был слабым и работал трудно, и я решил, что я буду следовать ему и работать трудно, а не слабым. И за последние несколько лет я работал очень трудно, и я поставил много семян на землю, и И я сказал моим детям, что у меня есть шоколад.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
И они сказали, что у меня есть шоколад. И я сказал, что у меня есть шоколад. И они сказали, что у меня есть шоколад. Мы были на ужине, и моя жена сказала, что мы только на ужине, и мы с семьей разговаривали, и мы говорили, что только мы два выйдем на ужин. И она сказала, что у нас есть ужин, и мы можем пойти. И я сказал, что нет, у меня нет ужина.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Моя жена и я остановились на вине и начали работать, что для нас как-то наш шутка. Мы собрали что-то вместе. Сейчас, я думаю, мы провели наш net worth в начале года, и это было около 4 миллионов.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Это здорово. Это невероятно. Сколько вам лет?
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
И это в основном ваша семья, а не ее? Нет, ее семья не знает, и... Вы говорите, что они не идут, мы не говорим о другом. После этого табакла. Да, они хорошие, но они все сверху. Они не на моей стороне. Они будут говорить, что это хорошо для тебя.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
большинство книг, и библиотека бесплатная, и я говорю тебе, все книги есть, ты можешь читать их, я скажу тебе, что я сделал.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Они говорят, что если ты не имеешь его, или ты не хочешь поделиться, это было просто много вреда, и поэтому Я с ним борюсь уже несколько месяцев. Я слушал его видео и подумал, что я должен просто позвонить и сказать, что у меня есть деньги. У меня не много людей в моей жизни, у которых есть деньги.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Ну, у меня есть новые друзья, я думаю, но сложно сказать своему брату, который смотрит на тебя, что у тебя 10 тысяч долларов для бизнеса. Я не имею 10 тысяч долларов для бизнеса. Я извиняюсь. Это не то, что у меня есть. Я могу поговорить с тобой об этом, но я не здесь.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Да. Нет, я согласен. То, что я продолжал поддерживать, это то, И они тоже могут это сделать. И это было очень тяжело для меня. Я не пытаюсь от них отходить. Я буду с вами ходить, я расскажу вам точно, как я это сделал. Я все это написал. Я держу свои бюджеты на бумаге. Я могу рассказать вам, как я это сделал. И да, у нас много успеха и много вещей, но мы можем сделать это вместе. Я помогу тебе.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
И они просто говорят, что нет, я не интересуюсь работой. Они начинали обманывать меня в начале, когда я сказал, что я буду следовать Дэви Рэмси. Они говорят, что нет, не делай этого. Это не сделает ничего. Я говорю, что хорошо. Он выглядит как его жена и его жена. Я тоже хочу это сделать.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Сейчас будет много разных вещей, которые будут расти на поверхности. Да, это то, что мой отец сказал. Да, 100%. Прямо на голове. Это необычная беседа, необычное место. Я думал, что, может быть, лучший курс будет...
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Дэн находится в Шикаго. Как мы можем помочь, Дэн? Да, я пастор, и я живу в доме, который получен от церкви. И мы готовы зарабатывать, и моя жена и я как-то чувствуем, что нам нужно купить мудрый дом, чтобы, возможно, получить немного вреда и защитить нас от ростов и так далее.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Да. Сколько денег у вас есть? Ну, у нас будет около $2,000 в месяц после снижения Medicare и Social Security. У нас будет около $350,000 в 403b аккаунте. И у нас будет $50,000 в кэш. Да, плюс что-то, что мы заработали из нашего 403B.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Мы зарабатываем сейчас около 1300 долларов в месяц. И я планирую работать еще 10-12 месяцев.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Вы посмотрели дома и что они стоят? Да, мы действительно в маленьком городе в севере Шоколада. И мы чувствуем, что мы можем получить более than adequate home for us for, you know, in the 140-150 range. Окей.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Ну, я не знал, какие были мои опции. Мог бы ты работать дольше?
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Я не подвергаюсь никакому давлению, чтобы отрабатывать или что-то подобное.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Сейчас, наверное, от 28 до 3000, что-то подобное.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Ладно, ну, я благодарю за вашу совет. Да, я надеюсь, это поможет.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Я живу с крипованной агрессией, как только я помню. Как я могу остановить это от постоянно появляться в разных сферах моей жизни?
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Я даже не могу функционировать, потому что я просто плачу. Моя мама уехала, когда мне было четыре. Я действительно чувствовала, что у меня нет семьи.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Он меня очень тревожил. Страшен, что я потерял Пауля. Страшен, что я делаю неправильное дело. Страшен, что я не достойна.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Как я могу избавиться от этой отношения? Потому что я чувствую, что она ведет шоу.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Привет, спасибо за приглашение. Конечно.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Я становлюсь 18 лет, и я действительно хочу узнать больше об инвестициях и о том, где начать.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Я работаю в школе как можно больше, у меня есть деньги в моем аккаунте для чеков, деньги в моем аккаунте для счетов, но я слышала много разных вариантов инвестирования в ИРА, инвестиции в хозяйство, все это, но я только становлюсь 18 лет, и я действительно хочу знать, что вы рекомендуете молодым людям, которые хотят начать инвестировать.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
Я буду учиться в этом году. И что ты делаешь для работы? Я работаю в маленьком сообществе в моем маленьком магазине, почти как в агрокультурном магазине.
The Ramsey Show
Don't Let Debt Happen To You—Face It Head-On
И сколько часов ты работаешь? Это обычно fluctuates week-to-week between 16 and 20 hours. Отлично, здорово. И ваш GPA стабильный? Да, 4.0. Вот он. Ты невероятный, Клэр.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Hey, guys. Can you hear me okay? Yeah.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
I did. I guess I'm processing how much Ken is in the room, I guess. But basically, my question is, so right now, I feel really stuck in my career. My wife and I are in the middle of Baby Steps 2. How much do you have left? We're trying to get through that. We've got about 50 grand left, so we're plugging away.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Right now I feel like looking to change careers to find something that I have a growth plan on. And my job currently, I feel like I've hit the ceiling without having to move away from where I am.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
So I work for my state agency. I am an equipment trainer. Basically, I help new employees obtain their CDL license and help with other heavy equipment.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
So right now I make $57 a year. Okay.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
I mean, for me, it would involve some type of peak teaching, whether it's adult teaching, whether working within a company that needs someone to help train new employees on their processes. Great. That's what I do, and that's one thing I love about my job. It's not that, you know, I love what I do. I have a great job, but just, you know.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Right. The only room for advancement at all would be supervising, and I would not be doing what I thought.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Yeah. Well, so I'm not from the Denver area. That's the closest big town. So I'm like from like Southwest Kansas.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Well, so my other, I guess part of the question would be during us going through Baby Step 2, would that be the good time to switch careers?
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
So my wife is a teacher, so she gets about $47,000 a year.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Last I checked, it'll take us a little bit over a year, because I work a side hustle as an interim pastor. Okay. So we're able to put most of that to the debt. So we're able to probably be able to get that done in just over a year.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Yeah, I got about three and a half at this position. I've been at the state for about 11 years now.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Привет, Генри, Ричард, как ты сегодня? Хорошо, что происходит? Я спрашиваю, если я должен остаться с моим современным работником, или если я должен начать искать другую работу? Скажи мне больше, я должен знать больше.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
У меня есть муж и отец, у меня есть три маленьких девушки, и у меня есть еще один в 4,5 недели. Вау! Поздравляю!
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Итак, мой современный работник, я сказал им, что моя семья растет, и то, что я делаю там, сейчас просто не сжимает. И я просто профессионально сообщил им, что я трактор. Так что я сообщил им, что я получаю приглашение на вредные материалы, чтобы получить работу, которая заплатит мне больше денег. Работа, где я могу быть дома ежедневно, так что я могу быть с девушками каждую ночь.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Они не имели проблем с этим, они поняли. Но потом они попросили меня подождать. Несколько дней до недели спустя, они сказали, что может быть значительный рост, потому что они провели исследование в нашем районе и обнаружили, что их зарплата довольно низкая. Так что это было около четырех месяцев назад, и я полноценно обращался к ним.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
И у них до сих пор нет ни одного возраста, и каждый раз, когда я спрашиваю об этом, они просто говорят, что это нужно подключиться к корпоративу, и они говорят, что корпоратив не дал им ответа до сих пор.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Я делаю это сейчас за год.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Ну, я сделал, вы должны получать, например, фигурку и все это через, например, федеральное правительство и все. Я сделал все это, я буквально просто должен идти в ДМВ и взять тест. Я взял тест дважды, но это очень тяжелый тест, и я пропустил его по четыре вопроса в прошлый раз. Так что я просто прошел тест, получил приглашение, и я могу идти на эти работы.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Я немного устраиваюсь, да, я не буду винить.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Хорошо. инструкция и умение выполнять мои цели в руководстве, руководстве и выполнении моего цели в службе, в том числе в помощи и безопасности. Так что для меня это много людей.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Это устраивает. Это много хорошего времени менеджмента.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Я дам тебе ее бесплатно. И с пенсионерской точки зрения. Отлично. Я дам тебе оба бесплатно сегодня. Кристиан, давайте подключимся к этому человеку.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Так что, какого рода деньги вы качаете? Так что, я зарабатываю 96 в год.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Так что, мне просто предложили другую работу, которая вызовет меня быть гибридом. три дня в офисе и два дня работая от дома, с основной зарплатой 100 тысяч, и с потенциалом, что вы получите 20% бонус от моей основной зарплаты.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
I don't know if technically I can dip into that.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Ну, потому что я, технически говоря, бы делала меньше. Я думаю, что сейчас мой муж и я собираемся домой около 12 месяцев. И если бы я взяла это, мы бы привезли около 97. Почему бы нет меньше? Я думаю, что это не включает бонусы. Да, точно.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Да, и профессионально я думаю, что работа, которую мне предоставила эта позиция, будет для меня степенью профессионально. Круто! Но я не знаю, я просто немного нервничаю. Так это «нет»? Да. Мелани, давайте я задам тебе настоящую вопрос, и ты был отличным спортсменом, потому что Рачель думает, что я глупый, а я не. Я не обвиняю тебя, я просто пытаюсь тебя обучить.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
But it seems like we are hemorrhaging money through our miscellaneous budget item and our food item.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
You know, we've got one car loan.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
We've got about $12,000 left on that.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
У нас есть медицинская вреда. У нас был ребенок в этом году, поэтому у нас около $6000. И еще у нас остались студенческие налоги, которые стоят около $4500. И еще бюджет, у которого осталось около $200,000. Так что в целом вреда около $222,000. Мы делаем $185,000-$190,000. И в конце месяца у нас просто ничего осталось. Я просто хотел бы получить информацию о том,
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Что бы семьи зарабатывали в месяц, может быть, в бюджете, но мы просто зарабатываем то, что мы зарабатываем. И, вы знаете, мы выросли в зарплатах за последние пять лет огромное количество, мы увеличили то, что мы делаем, но мы все еще зарабатываем все, что делаем. И поэтому я не могу понять, как выйти из этого шкафа.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Я работаю в аккаунте, что довольно иронично, но я не хороший в аккаунте за свои деньги. Но, вы знаете, мы создали бюджет для еды, по-моему, от 1500 до 2000 в месяц, а потом ты сидишь там и говоришь, что мы просто потратили 3000 долларов на еду, и ты сидишь там и говоришь, как мы это делаем? Ну, как Георгий бы хотел не слышать, мы едим все время. Да, это все, это все.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Не очень долго. Я думаю, что это больше для того, чтобы снижать деньги для моего мужа и меня. Мы были в «Бабий степ 2».
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Я имею в виду, да, да, да, да, да, да, да, да, да.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
У нас есть больше в бюджете. Но, понимаете, мы просто, когда мы до конца месяца начинаем делать дополнительные налоги, они не есть. И это просто супер frustrantно.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Вы знаете, у нас есть три из них для Салли Мэй, но они составляют около 4500 баксов.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
И это плохое дело. Все знают, что они недостатки, поэтому мы даже не платили за них. Мы просто сжимали их в машину. И я знаю, что это не то, что «Бэйби-степ-2» является для этой «Газеллы» интенсивности.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Да, спасибо за звонок. Итак, Моя жена и я уже готовы уходить из нашего дома. У нас есть маленькая дочь, и мы продолжаем развиваться. Мы рассматриваем наши варианты, и потому что мои родители очень добры, и мы очень благословлены, они сказали нам неделю назад, что они собираются дать их детям первое имущество, чтобы они могли посмотреть, как они их зарабатывают.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
И имущество составляет около 300 тысяч долларов. Вау! Да. Это невероятно. И это открывает для нас много вариантов.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Но у нас тоже есть чувство, что мы не имеем никакого вреда с нашим следующим домом.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Как много? 1350, это то, что будет заработать.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Ну, я хотел бы сказать спасибо, в первую очередь, я начал слушать вас около шести месяцев назад, и это действительно сделал импакт. Кен, я просто начал бенжинировать, пытаюсь менять карьеру скоро, но это не в связи с моими вопросами. Я только что закончил заплатить все мои деньги прошлой недели. Вау! Поздравляю!
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Сколько ты заплатил? Я бы сказал, что около 20 тысяч в 6 месяцев.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Но сейчас это может быть очень мало. Я в особой ситуации, когда у меня нет зарплаты, поэтому я так быстро заплатил все. Но зарплата в этом районе 20 тысяч будет хорошим.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
О, хорошо. Это то, что мы рекомендуем. Ага. И куда это пойдет, если я буду фокусироваться на получении этого бюджетного фонда, прежде чем зарабатывать $3,000?
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Как долго вы с ней встречались? Это идеально. Я был с ней два с половиной года. Мы действительно жили вместе, и ее родственники, которые не знали ничего о Рамзи, жили с нами. О, боже, это был полный шоколад. Это был полный шоколад. Что это значит? Они не получили денег. Один из них действительно должен быть в больнице. И мы не сможем ее удовлетворить.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Это довольно тяжелая задача. Да, это пакетное дело. Она из Гуам. Это просто их культура.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Я точно низкий уровень. Да? Она хочет какую-то церемонию. Окей. Я никогда не был женат. Она была. Окей. Так что церемония важна, но она очень-очень дорогая.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Я живу с криповым расстройством для какого-либо времени. Как я могу остановить это от постоянно появляться в разных сферах своей жизни?
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Я даже не могу функционировать, потому что я просто плачу. Моя мама уехала, когда мне было четыре. Я чувствовала, как будто у меня не было семьи.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Он меня очень тренирует.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Страшен потерять Павла. Страшен делать неправильное дело. Страшен не быть достаточно.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Как я могу избавиться от этой отношения? Потому что я чувствую себя, как будто она ведет шоу.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Я была... Я была обнажена. Обнажена, да.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Мы любим тебя, Мелоди. Я люблю тебя. И я просто хотела убедиться, что я не... Ты не. Я не буду стрелять себе в ногу с $3,000, что я буду делать. Но ты сказала, что ты не включишь бонус в этом упражнении.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
But in terms of finances, I'm just having a hard time dealing with that.
The Ramsey Show
Define Your Future By Setting The Right Financial Priorities
Сейчас я работаю на двух полночасовых дистанционных работах. Это было здорово для моей семьи. У меня дети в школе и так далее. Я счастлива, что нашла два дистанционных работа. Подождите секунду.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Learn more at RamseySolutions.com slash SmartVestor.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Hey, thanks, guys. I'm looking to propose to the girlfriend within the next year or so, and I'm curious about how I should go about doing that financially. What's the best way to calculate or determine how much one should spend on an engagement ring?
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
So right now I'm 21. I'm a full-time college student. I only make $15 an hour, but I do have $30,000 in cash just kind of waiting to pull the trigger. I know that's probably too much.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Zero. Because you said $15 an hour, right? Yeah, maybe $1,000.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
I think she'd be happy if it happens.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
I made it sound like you killed somebody. Business ventures. Nothing crazy, just lots of savings.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
That happens all the time now. You probably could FaceTime her now. I think she... She doesn't want it over the phone.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
I'm sorry, Ramsey fans. That can't happen.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
There you go. I like it. What's up, Zach? So, I'm on babysit up, too. I'm almost paid off with a credit card. My question is if I should pay off my 401k loans next or jump straight to the next credit card.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
I have one for $4,000 and one for $8,000.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Debt consolidation. And then I ran back up the balances as you often do.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
I just didn't change my habits. You know, I only had that hundred dollar payment. So, you know, I had that extra money back in my budget every month. And so I could afford all that stuff on Amazon. And it's like repeated.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
$22,000. So I have $10,000 on that last credit card and then $12,000 on a personal loan.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Me and Dara, back in November, have a new son, a baby boy. We have $87,000 in debt. I've been in debt since I was like 18 years old.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
I gave birth to him. I knew, I said, I cannot leave him with someone that I don't know. I don't care if we're eating rice and beans, Sean, I told him. There was no going back.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Wake-up call. You know, open next 20 years. This is important. You know, we got to get this right.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah. I have, uh, 940,000 in, in my savings, in my retirement, I have, um, Absolutely no debt. I own my current home. All my cars, everything. And I currently put 32% into savings right now. I wanted to know if I could knock that down to your recommended 15% and then take that extra money that I'm putting in extra in the savings to pursue the home. The home's going to be about $190,000.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I've already cash flowed the property, the septic, the wells, all that kind of stuff. Cool. Now I've just got to get the actual home. Yeah, how long would it take?
The Ramsey Show
There’s No Fast Track to Financial Freedom
I'm estimating like seven years. Whoa. That's a long time, man. It is. How old are you? I have two little kids.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Man, I do everything I possibly can. I have a good salary. I make $115,000. I have two side jobs. I'm actually starting up a little tutoring service to help people in my career. I have books that I've written. I gain revenue on. So, I mean, I don't know what else I can do.
The Ramsey Show
There’s No Fast Track to Financial Freedom
It will be a vacation home for me and my family. It's about an hour and a half into the mountains. It's my dream since I've been five years old. My biggest, and I feel urgency here, I have two little kids and I really want to get it done sooner than later so that they get to enjoy it. And that's the whole point. I could wait seven years.
The Ramsey Show
There’s No Fast Track to Financial Freedom
My gut's telling me to do it now, but my brain's telling me, be smart, cash flow it all, but I'll have an 18-year-old at that point. And it's like, will it be worth it?
The Ramsey Show
There’s No Fast Track to Financial Freedom
We do travel a lot. This is our you know, the only thing that we actually splurge on is our, our traveling adventures. And, um, I mean, we, we do try to experience as much as we can. Um, Yeah, I mean, you're right. You're 100% right. I do not need this.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Great. Thank you for taking my call. Um, so what I'm curious, uh, to get your opinion on is a whole life insurance. I know that, uh, Ramsey solutions, um, is pretty adamantly against it and prefers term life. Um, But my question is, do you have an opinion or knowledge on using it for infinite banking, specifically for a business owner? A very brief backstory is I'm not a W-2 employee.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I own my own business. My wife and I are living and giving like no one else. We are so thankful to Ramsey Solutions for helping us get there and just setting the example of how to live and give for the Lord. Interesting.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah, and my business colleagues who I look up to are using the cash value in their whole life policy to continually borrow against to purchase real estate and grow their business. And I have never done that. We are a hard Dave Ramsey family. So this would be a new venture for me, but I'm curious if you guys have any knowledge on that.
The Ramsey Show
There’s No Fast Track to Financial Freedom
That is a great question and I'm unsure and that's why I'm here. Um, I think partially because I know what we are doing works, but if I could be doing something that is both giving my money, uh, interest monthly, um, and I'm able to use that same money essentially to buy real estate and I'm able to deduct the interest paid. Um, I guess I don't know.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Well, it's against cash instead of against my home. Equity.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Sure. Well, for the record, we're buying and owner financing homes for $30,000 and less. Believe it or not, they do exist. Is that your business? Yes. Okay.
The Ramsey Show
There’s No Fast Track to Financial Freedom
They are reasonably nice homes. Almost 100% cash. We have a couple $30,000 loans on properties on a five-year term. That's why I did it because it's five years and it's done.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I'm looking to scale the business as debt-free as I can. This has taken me from an opportunity to set up my family to really setting up my kids for their future, all while providing people homes that they can own and have for their kids. I mean, everybody wins. It's just, do I want... Yeah. I struggle with taking out debt. I worked hard, and everything's paid off, and...
The Ramsey Show
There’s No Fast Track to Financial Freedom
Um, I just thought this could be a potential opportunity, I guess. And I've had multiple, multiple guys that are very, very successful, um, that use it.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Hey, guys. How are you? I'm starstruck right now. I listen to the show every day. Oh, wow.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah, so I am a federal employee. I'm an attorney at one of the government agencies, and I am considering taking Trump's buyout offer, and I need some help on how to decide. I'm 26. I just got married in August of 2024. I make about $190,000 a year, and I'm debt-free. Okay. Me and my husband make $190,000 a year, and we're debt-free.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah, so Trump is offering full pay and benefits through the 30th of September this year, but I'd have to stop working now. So the catch for me, oh, sorry, go ahead.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yes, so I currently work two days in office and two days at home, and that's been able to be working for me right now because it's only two days, but I live about 100 miles from the office.
The Ramsey Show
There’s No Fast Track to Financial Freedom
About two and a half hours. And I've actually got an apartment in Silver Spring. So we're floating two rents.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I do. And I do it because I really love my job. I can't really practice what I do anywhere else. I can practice it for the other side, but not for the government. So that's kind of my hesitation. I really love my job and I don't want to give it up. But my income as an attorney is a little bit more replaceable than my husband's.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah. Right. One of us would have to quit. So we're weighing whether it's him and he would be without income right away or it's me. And I've got kind of seven months of runway.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah, so I work in veterans administration benefits. And so it's only practiced in one court. It can be practiced nationwide, but I can only practice it for the veterans instead of the government if I take, you know, to buy out and try to find a new job. And then there's a question of I've never practiced that kind of law before. Will I like it? You know, they have a different set of skills.
The Ramsey Show
There’s No Fast Track to Financial Freedom
So he's in supply chain and logistics, which definitely can be practiced anywhere, but the federal government does most of the jobs in D.C., and there's a 90-day federal hiring freeze right now.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Um, he's so supportive and wonderful. He's kind of willing to do whatever, you know, we kind of think is best. I guess my hesitation is eventually I would like to maybe get to the point to hang, like you start my own practice. And so I would need, um, some rehearsal at a different firm.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah. So it might be kind of a golden opportunity to get out of the lease that I'm in in D.C.
The Ramsey Show
There’s No Fast Track to Financial Freedom
It's a 60-day notice to get out of the lease. So a month-to-month, thankfully.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I may only have assurances from the government.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Do you have kids? Yeah. No, we don't have kids. And kind of on the security front, we've actually been saving to buy a car in cash. So we've got our emergency fund plus the car cash fund. So I think together we've got about $40,000 cash tucked away, which kind of adds that extra layer of security to maybe go out and try something now.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah. So after retirement and everything, we bring home like we see $7,600 a month. So, yeah, I think we could live on 85. That includes that's before funding our Roth IRAs as well.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah, hi there. Thanks for taking my call. Big fan, first-time caller. I am 45 years old. I have about $690,000 in my 401k, and I owe about $460,000 to my house. I would like to consider paying off the mortgage, living life completely debt-free, and then reinvesting the monthly mortgage payment into mutual funds, stocks, IRAs, along those lines.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I know the taxes and fees are significant, but so is living life debt-free without a mortgage payment. So I wanted to hear your thoughts.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Well, I think I'd just like to not have the mortgage payment there and be able to have the freedom to do more investing with the same money every month, essentially.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Uh, no, I've, I've, I've kind of run them a little bit. I ran it by my tax accountant. Um, she said it would cost me probably some of the neighborhood of about another 50 grand, maybe two. pay off the taxes and fees and penalties involved. So we'd have to take out probably some of the neighborhood of 500, maybe.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I'll take homes about 11, and the mortgage payment's about three. Okay, that's reasonable.
The Ramsey Show
There’s No Fast Track to Financial Freedom
That's a good question. Yeah, maybe a few hundred.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Well, there's a lot of things in the budget, and I have four kids, a couple of them starting college fairly soon, so I'm doing some saving on that side of the thing.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Well, I've got one who's in now, and he's got probably three years left, and then I've got a 14-year-old who will probably start in four years, so we're probably nine or so years away from that.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yep, just serving where we can as we can into more of a traditional savings.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Probably somewhere in the neighborhood of the three thousand, I would think.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Hey, guys. Thank you for taking my call. You bet. So I guess the quick of it is, About a year ago, I got an inheritance of about $350,000, and I fell in love with it, but I don't know if that's the best use for some of that money.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I'm looking at the payments per month at about $3,000, and it's just a scary number to look at, and I'm not sure if that's the best place to put it right now or if I should keep it invested.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Well, that's the thing. I don't know if I should use the whole thing because it's all invested in mutual funds and ETFs right now. But I don't know if it's better to not have a mortgage payment. or if it's better to just put the 20% down and try to go just off of what I make.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I've got $13,000 left on student loans and about $8,000 left on a car.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yes, right now I've got about $35,000 saved up.
The Ramsey Show
There’s No Fast Track to Financial Freedom
So I moved back with my parents just to save some money. So I could stay here for, I mean, a couple more years, but it'd be nice to kind of be out on my own again.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Who left the inheritance? It was my uncle. He had passed away a few years ago and left it to myself and my sister.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Good afternoon. I'm looking to protect a home for my wife, and it requires a little bit of explanation. So if you could bear with me for just a moment. Sure. After a loss of a business and our home back in 2003, My father-in-law graciously acquired a home for us to live in with us making the payment amount to him as rent. But eventually, because of Parkinson's, I was forced to retire in 2019.
The Ramsey Show
There’s No Fast Track to Financial Freedom
And I had only worked about six years for an employer where money was set aside in a 401k. Prior to that, it was all self-employment. but along the way we managed to clear most debts, but we fell behind in rent to my father in law due to some smaller payments than agreed upon or at times no payment at all.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Um, in 2024 I pulled about half of the 401k out to catch up a little with my father in law and, He recently proposed that if we could arrange a second similar amount, he would be able to finish paying off the house and he would then relabel our arrangement as a rent to own agreement that was fulfilled and he would sign the house over to my wife.
The Ramsey Show
There’s No Fast Track to Financial Freedom
I took the second half of my 401k was only about $40,000 at that point after the COVID period and stuff. It took its toll and it was meager. And so I... I took the rest of a couple of weeks ago. I drained that last part of my 401k and gave that to him. I felt that was in exchange for a house. That was a good investment.
The Ramsey Show
There’s No Fast Track to Financial Freedom
No, that was what he asked for. Okay. i had taken out half in 2024 and he told me if i could give that same amount to him again one more time then he would consider things fulfilled and how old are you i am 61. okay so you gave him the money and he should have been able to pay off the mortgage and sign it over to you what happened instead well
The Ramsey Show
There’s No Fast Track to Financial Freedom
In addition to progression of my Parkinson's, I've had one kidney removed due to cancer, and my remaining kidney is failing, as is my liver. And I worry that I may find myself faced with a transplant procedure, or worse, that it won't happen until after my wife has to retire, and that our insurance will be limited to Medicare only at that point. Mm-hmm.
The Ramsey Show
There’s No Fast Track to Financial Freedom
So I'm a person who likes a plan B, C, and D. And before my father-in-law signs that house over, I'm concerned about how to protect it for my wife. I have nothing to leave her except to leave her debt-free and a little bit of life insurance.
The Ramsey Show
There’s No Fast Track to Financial Freedom
No, no. But what I'm worried about is that in... If this home is in her name only, which it will be, is I undergo future medical procedures.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Okay. So, um, my husband and I have been married for, um, almost a year and we just found out that we are pregnant. Very unexpected. Thank you. Um, so I kind of have a two part question. Um, my first question is what do we need to do financially, uh, to prepare for the baby in the next nine months? And also, Should I quit school in order to be able to work full time?
The Ramsey Show
There’s No Fast Track to Financial Freedom
I'm currently in grad school and I'm working in the evenings. I didn't take any loans. to do grad school. But I am, most of it is being paid for by my university. And then I only owe like a couple hundred dollars. I will owe only a couple hundred dollars at the end of the semester. So I'm just trying to get some advice on that.
The Ramsey Show
There’s No Fast Track to Financial Freedom
So my, I'm getting my master's in Bible and theology. I Up until this point, I've been thinking that I want to teach. I don't know if I'd want to teach like higher ed or like junior seniors in high school and just start teaching with kind of a higher paying salary. But I also don't know with the baby if I want to stay at home. So that's part of my contention with, you know, should I keep going if
The Ramsey Show
There’s No Fast Track to Financial Freedom
When the baby comes, I'm like, no, I really want to stay at home. So, yeah.
The Ramsey Show
There’s No Fast Track to Financial Freedom
So that's kind of been a rocky situation over the past couple of months. He left. His full-time job, he was the director of soccer operations for a local pro soccer team, and it was just a really bad situation. He was just being treated pretty rough and was not being compensated for it either. So he left in November.
The Ramsey Show
There’s No Fast Track to Financial Freedom
He started coaching at a local high school, just like a private Christian school, and they had told him... in his initial interview, like, since you're going to be a head coach, we want you to be on staff full-time. We just don't know what that will look like yet.
The Ramsey Show
There’s No Fast Track to Financial Freedom
So at the moment, well, ever since then, we've been getting kind of stipend money, but we've kind of been struggling because you've been waiting on the full-time thing to come. So what's your plan on it?
The Ramsey Show
There’s No Fast Track to Financial Freedom
Well, so he just actually got a job because he had –
The Ramsey Show
There’s No Fast Track to Financial Freedom
been looking for anything after probably a month it was kind of like okay we kind of we can't really sit around at this point so he'd been looking for anything um but there he wasn't having much luck so he just picked up a serving job just to like bring in some money okay um so we're kind of just like bare bones at the moment but on december we got a ton of money for christmas we had we are very blessed with our families they helped us a lot um
The Ramsey Show
There’s No Fast Track to Financial Freedom
And then for the next few months, we actually, with rent, are getting help from our church.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Well, I am working at night, so that... Yeah, but you just laid out the whole financial framework.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Food, rent, everything. Yeah, so our food is, I've been trying to stay under $700.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Yeah, so our, yeah, to me, like minimum, and I know what you're going to say, we have not been having insurance. I am adding that, though, because of the baby. So I kind of, in our budget, included an extra $200 because he also will need, he needs vision insurance really bad. So it's our, like, break even is about $4,300. Okay.
The Ramsey Show
There’s No Fast Track to Financial Freedom
So I bring in about two grand just serving at nights. I work five days a week. The restaurants only open five days a week. And then because of the stipend money we've been getting, it's really been about, like, Kind of $3,500 because he's been also subbing a little bit at the school just over the past couple months. Okay.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Not at the moment, but I'm visiting my family right now and my mom and I are working on that tonight because we know it is a necessity.
The Ramsey Show
There’s No Fast Track to Financial Freedom
So something's not right. I'm sorry. Yeah, no, I meant I didn't say that right. I meant probably like fifteen hundred.
The Ramsey Show
There’s No Fast Track to Financial Freedom
So our cards are, credit cards are about, Almost $14,000, a little under. His car, my car's paid off. His car is almost also $14,000. And then we have $85,000 in student loans, but we are on the safe plan. Okay. And since I went back to school, they put mine on pause, so I haven't been paying anything. But his payment is only like $25 a month. Right.
The Ramsey Show
There’s No Fast Track to Financial Freedom
Hey, how's it going? Going good. Yeah, I have... I'm glad I got you to, I, uh, absolutely love the show. So thank you very much. Um, all right. So, um, I guess I'll just give you my background. I have a question about, should I pursue building a second home? Okay. Um, up in the mountains here in Colorado.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
So I'm kind of lost financially. I'm not really too sure what to do. I'm in a good spot, but I'd like to see if y'all are in my shoes. How would you, what would you do in the future coming up? All right, lay it out. So me and my wife previously had a home. Then we, we actually just moved back in with my dad. He, um, he's not far just anything. He just wants us to save money.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
I currently have 14,000 in my bank account. Um, we got a little surprised when we moved in and my wife is now six months pregnant. So yeah, I don't really know if I should just keep saving and then buy a home or if some people were telling me to buy a trailer, some people are telling me to buy a home. I'm not really too sure.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
All I'm doing is just putting money in my checking account and I don't really know what direction to go.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
I don't have any. I actually just paid all mine off.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
Well, right now, the only thing we really have is my wife got a new car about six months ago. Is there a payment on it?
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
yeah it's about henry that's debt homie we got to start off this relationship with honesty i asked if you were debt free well i'm thinking of me she put it in her name she did all about herself no y'all are y'all any money she owes you oh was this against your will or were you an accomplice in the crime um well see i work a lot like i'm i get work on call so i was one of those on call working in
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
So I make $21.50. She makes $19 an hour.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
Well, she told me she was looking at them, and then, I mean...
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
And that's the thing I'm worried about. So every week I've been doing a lot of overtime. So I've been slowly building up, buying diapers, buying things to be prepared. It's just. Yeah, don't do any of that.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
Yeah, I can definitely do that. I guess my next question would be how would we get out of it? Because, I mean, it's 15% APR, 740 a month. Holy smokes, bro. What's left on the loan? I'm sorry?
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
The principal is $32,936. So did she put nothing down? We put $4,000 down.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
Yeah, when we were looking at it just to sell it, I mean, I'm probably paying about $4,000 or $5,000 just to get rid of it now. Do it.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
I have a spare vehicle, but it actually broke down, but I don't have another vehicle. So you guys are a one-car family. Yeah. I have a company vehicle, so I don't have to drive a personal vehicle to get to work.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
With insurance, it's almost $1,000 a month.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
That is a lot. I almost had a stroke when I saw it. Yeah.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
Yeah, now she's trying to figure out what we can do. Because now she's on the same page because before I wanted to just buy a cheap beater. Yes, absolutely. So that's all I've ever done.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
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The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
She's got a lot going on. We've got to simplify it. She's got the farm, the divorce, the debt. We're just praying the money's there, I guess.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
Are you ready to commit to it? Are you going to do it? I need help.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
My gosh, it's good to see you. Do I want to pet a chicken? No. I see you doing a lot that wasn't even part of the homework, and we're only at the 30-day point. I want to be on day.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
There's no guarantee that the bank would let her keep the house. I want you to start dreaming what another living situation might look like if it doesn't go your way.
The Ramsey Show
It’s Never Too Late to Clean Up a Financial Mess
Very few people are sitting on one variable that could change everything.