Joseph
Appearances
Bad Friends
No Mami, Yes Papi, Fancy B Day
Cumplianos, filis. Te diciemos, Andreas. Cumplianos, filis.
Bad Friends
No Mami, Yes Papi, Fancy B Day
Andreas has received many awards, including DJ for Best Latin, Short for Escape. Wow. What is he directed? Here we go. Known for. Let's go known for. Bad Friends. First thing up there. Go look at producer.
Bad Friends
Bobby Is Going to the White House
She's actually from Slovakia, near where Melania's from. I'm from Slovakia, but I was in fire. In fire, yeah.
Bad Friends
Bobby Is Going to the White House
You have to be one with water. Now you're Bruce Lee? Yeah, Bruce Lee. Dude. Water can flow between different races.
Bad Friends
Bobby Is Going to the White House
This is water. You have to be one with, you know, Bruce Lee.
Bad Friends
Bobby Is Going to the White House
But this is water. Dead on Bruce Lee, dude. Do it again then. You have to be one with water.
Bad Friends
Bobby Is Going to the White House
Right, right, yeah. Right, right, right, right. Yes, Philly.
Bad Friends
Bobby Is Going to the White House
Hello, my lady. You hang out in Morocco often? Here's looking at you, kid.
My Therapist Ghosted Me
MTGM EXTRA! "Sex is off the cards."
This is a Global Player original podcast.
My Therapist Ghosted Me
MTGM EXTRA! "Sex is off the cards."
Genitals aside, yeah, that left knee after the knee op, pretty good.
My Therapist Ghosted Me
MTGM EXTRA! "Sex is off the cards."
I don't think I've got any varicose veins, but I don't really know what they are.
My Therapist Ghosted Me
MTGM EXTRA! "Sex is off the cards."
So I was just thinking, so Joanne, you're getting them lasered off. Do you not need veins? No.
My Therapist Ghosted Me
MTGM EXTRA! "Sex is off the cards."
Do you do that thing like when you read books, you cast, do you ever do that when you read a book, you cast people in the role? So you sort of have the person that you imagine in your mind. So I suppose people do that for podcasts. Yeah.
My Therapist Ghosted Me
MTGM EXTRA! "Sex is off the cards."
Much like the appendix. They stopped working. Just sweeping them away.
My Therapist Ghosted Me
MTGM EXTRA! "Sex is off the cards."
There's no need for that. You should get those tonsils lasered off.
My Therapist Ghosted Me
MTGM EXTRA! "Sex is off the cards."
Are you saying that she's always on holiday? They're travel size. Travel size.
The Ramsey Show
Nobody Builds Wealth by Accident
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The Ramsey Show
Nobody Builds Wealth by Accident
Okay. Well, my fiance and I, well, I should say my fiance wants to move. We currently live at her on her parents' property in a back house while we're paying off our debt. And when we get taxes in, she'd like to pay off one of the loans, but then move.
The Ramsey Show
Nobody Builds Wealth by Accident
And I like from all the numbers I've touched, it's like, I'm trying to not break her heart, but tell her that we might need to stay longer until we pay off all of our debts before we add another bill expense.
The Ramsey Show
Nobody Builds Wealth by Accident
It's always we're getting a bit older just to get away from, you know, parents. Nothing wrong with parents. It's just something we want to move to a bigger place for the kids.
The Ramsey Show
Nobody Builds Wealth by Accident
My wife's a stay at home mom. And this year I made forty four thousand.
The Ramsey Show
Nobody Builds Wealth by Accident
I mean, I could pay off one loan, and that loan, that's $400 a month that I can put towards other loans. It's like paying off one, but it's times the hard variable. So I could pay off the biggest and then pay off the other ones.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
Hey, thanks for taking my call.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
Well, I've run into a bit of a speed bump here as far as my wife. We did the baby steps. We were in over $200,000 in debt, knocked that out in a
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
and uh now it's time to put money away 15 of my income into you know mutual funds and she's just wanting to park it in a high yield savings account and because she says she's scared to lose it so i'm just kind of curious the best way to go about i mean we've sat her down i've said hey this over the long term this is going to run its course we're going to you know become millionaires and
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
And it doesn't seem to stick. I've kind of run into a rut where we're just putting money into a high-yield savings account, and 4% is good, but it's not 12%.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
Well, I don't know the full story because it's a pretty short subject other than the fact that he had money in there. He pulled it out. I don't know how long it was in there or anything like that, but he's constantly telling her, oh, you can lose a lot of money.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
Okay, so he's still... He's a big influence on us.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
guys. Thanks so much for taking my call.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
So yeah, so I'm a medical student and I am incredibly blessed. I'm going to be able to graduate medical school, 100% debt free. Oh my gosh.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
Wow. My parents are both docs too.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
That is incredibly supportive. I'm, I'm eternally grateful. Um, and I currently live in a home that's fully paid off as well. They, they purchased it for me.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
Yeah. Wow. It's a huge blessing. So I am pursuing a medical specialty where the prestige of your residency really matters if you want to work in a desirable area later in life. It's a pretty small field and limited job market. The challenge is that most of these top-tier residencies are in really expensive cities that would be much pricier than the life I currently live.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
My question is, do you think it would be a financial mistake to leave this very stable, low cost setup in order to train to the more prestigious program that might be able to open better doors for me long term, depending on where I go, maybe even having to take out loans for some living expenses? Or do you think I should just try to stay put and risk possibly a more limited job options later?
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
So, yeah, it is in their name. And that is an option for sure. I think there's another layer of it, too, that I, you know, I don't want to feel disrespectful just that they've done so much for me and given me this great house. And I'm like, hey, by the way, I'm flying the coop and moving somewhere else. You know what I mean? But that's another side to the issue. Kind of.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
Um, I haven't, to be honest, I've been a little afraid just because I think I have been worried how they might respond to me saying I might want to leave this house that they've bought for me. But I definitely can try to have that conversation. And you're right. I mean, they're both physicians. They'll probably be understanding.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
Well, so I think I know they're on it. I think I might be listed on the home, but I mean, they're definitely the ones who have the most ownership in it. And, you know, I think they kind of bought it thinking I was going to stay where I'm at long term, you know, and train where I'm at.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
And it really hasn't been until I got into medical school and realized that, you know, this this field that I want to pursue is really what I want to do. And it's probably going to require me to possibly move somewhere. So it was kind of came out of the blue a little bit unexpected.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
Residency is going to be about five years.
The Ramsey Show
You Won't Win With Money If You're Not Aligned With A Plan
New York, San Francisco, L.A., Boston, some of the more really expensive cities that have really reputable health care systems.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Hey, how's it going? Good.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Good. It's just a real privilege to be on the show. It's kind of surreal. So thank you very much. I feel very honored. Appreciate it.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Well, so I just recently started a job going on six months ago. I do enjoy my job, and my bosses are great. It's a good company. I mean, I think they really do right by their patience. Um, and the thing that trouble I'm having is I am making less than I was expecting when I started because I am on a pay per visit scale.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
So my base salary is 73,000, but what I was initially told was on average, if I see a certain amount of patients a week, I would probably get around 85,000, but over my time working here, I haven't been seeing that, unfortunately. And it's not because it's not their fault, it's just external factors like patient cancellations and such.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Oh, sorry. I guess I should have mentioned that. I apologize. I'm a physical therapist.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Yeah, I mean... About $85,000 is what I anticipated making.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
There certainly are. I chose this particular setting just because I would work with the neuropopulation, and I liked what the company was about. But for me as well, I have a lot of student loan debt. Gotcha.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Two hundred and forty seven thousand. Yeah.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Yes, just because I've only been there a short time.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Oh, that's definitely possible.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Do you have any savings? Um, I do have some savings and I did have a sign on both. So I'm trying just not to use that.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Majority of the savings. Uh, 4,000. George, tell him what he does.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Thank you. How are you guys?
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
I'm doing really good. Um, my question is, so, uh, just give you a little backstory. My wife and I are debt free. We're saving up for our fully funded emergency fund right now. And then, uh, we plan on to start investing from there, um, to fund our retirement. Um, but yeah, so we're super blessed. I'm grateful to be debt free, but so my question is though, how can we,
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
can we be sure that the dollar is going to maintain its value over the next 30 years since we are going to be investing and following, you know, what you guys recommend in like mutual funds, 401k, like, should we be worried about the economy or what are you guys' take on that?
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Uh, so, you know, I'm, I'm, you know, I have some friends and they're talking about, you know, Bitcoin and all these cryptocurrencies and I'm not going that route, but, uh, I don't have a, you know, when they say, well, what about the dollar? I don't really have a good answer or a rebuttal as to why dollar is going to, you know, maintain its value over something like cryptocurrency.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
So I just wanted to get, so I guess it's coming from, you know, what is trending.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Definitely. No, that's super good.
The Ramsey Show
Money Isn't the Problem—Your Behavior Is
Hey, thanks for having me on, guys. So my question is, I'm a disabled veteran and all my income is from disability. And I am not able to invest into a Roth IRA because of all my income not being taxable. What do you recommend the best way for me to start Baby Step 4? I just finished 3, and I'm wanting to start 4 now.
The Ramsey Show
Money Isn't the Problem—Your Behavior Is
Like I said, just finished baby step three. So I have all of my debt-free but my home. I own a house. How much is on the mortgage? I owe 201. House is worth 240. Okay.
The Ramsey Show
Money Isn't the Problem—Your Behavior Is
No, there's not. I'm just unable to work because of PTSD. Got you.
The Ramsey Show
Money Isn't the Problem—Your Behavior Is
Now that you mention it, I think I'm able to make about $15,000. I'm able to make up to federal poverty guidelines.
The Ramsey Show
Money Isn't the Problem—Your Behavior Is
I'm sorry, I'm not... I'm not sure what you're asking.
The Ramsey Show
Money Isn't the Problem—Your Behavior Is
Yeah, I've never heard of that before, but I have had my disability for about six years now through the VA. Okay.
The Ramsey Show
Money Isn't the Problem—Your Behavior Is
So maybe like some at home, like remote work.