Keegan
Appearances
The Ramsey Show
Hope Is the Difference Between Victim and Victor
I love it. How long did that take? 36 months. Good. And your range of income during that three years? So three years ago we started about $136,000 and just this past year ended about $270,000. Wow. I love doubling it in three years.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
Just taking care of pools and hot tubs, cleaning, maintenance, that sort of stuff. So that's what I work doing. So just after hours, before work, after work, just was doing that. I could turn into some real money. Yeah.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
Yeah, I know a lot about chemistry of water. So just taking care of pools, cleaning, maintenance, that sort of stuff. No one wants to deal with it. No, we don't offer that at my work. So I would just do it before and after work.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
Made a big difference. So doing this.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
There's not many people that do it or know what they're doing.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
20 years. Okay. Married 20 years. So we never had any debt, anything like that for like cars. It was always just the house. My mom, she's actually over here. She...
The Ramsey Show
Hope Is the Difference Between Victim and Victor
help kind of lead the way so as for uh being kind of the first gen you know dave ramsey you know changing the tree and the family tree so she really did that and um so she was following us yeah she's always look up after 17 years of marriage and went okay we're gonna pay off this house Yeah. Yeah. A lot of it was that.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
But then just, you know, we did make the mistake of when we moved in our home 10 years ago, doing a 30 year fixed. So when COVID hit, we refinanced and to 15 and that just really made a difference.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
we did it with a local credit union and by doing that really showed like on my accounts I could see the difference in traction of like hey we can get this fade off well so much more is going to principal on that 15 year instead of interest yeah it just made a big difference there and then also where it was a local credit union just whenever I got on my accounts I would see a negative so it just made me feel like we need to get in the positive you know yeah but
The Ramsey Show
Hope Is the Difference Between Victim and Victor
our son's here uh he's 17 our oldest is in college so um just wanted to get it done before they started started college yeah well now you got all your cash freed up and you can pay for college yeah excellent well done 529 we have that all set up and taken care of yep very good very good what was the hardest part of this whole thing
The Ramsey Show
Hope Is the Difference Between Victim and Victor
um just all the work all the hours this past year was a lot of work um no shopping yeah no shopping that's right we're getting the house paid off yeah i wouldn't call it no shopping we still we were pretty uh we were pretty not enough shopping for her how's that not enough for her so Yeah, but she checked out your all's little shopping over here and got some shirts and souvenirs.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
That's awesome. We stayed in Franklin last night, so it was nice looking around.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
yeah yeah it's crazy just it's kind of surreal just um i never saw it yeah never thought yeah just yeah yeah it's just different doing the budget and stuff now just not having the mortgage and throwing extra on it you know for years we just felt like we didn't have money even though we we did we just wanted to
The Ramsey Show
Hope Is the Difference Between Victim and Victor
you know actually you know get the house paid for get everything paid for and just now all the money we have it's ours we you know we can do what we want i love it i love it i'm proud of y'all yeah very very very well done very good uh what do you tell people the key to getting out of debt is
The Ramsey Show
Hope Is the Difference Between Victim and Victor
just um i think just making the budget and then just being on the same page with your you know spouse and both agreeing on things it makes a big difference but the budget the budget's big so yeah yeah really good good job and working your tails off while you're at it and a lot of work i'm scared to work yeah yeah a lot of work so you know now that that's paid off we can kind of scale back a little bit and take it easier and have you cut the side hustle
The Ramsey Show
Hope Is the Difference Between Victim and Victor
have not it's actually getting larger so i don't know so we don't know what the future might lie but we'll see what what goes on god's sakes hire somebody to go do it yeah yeah well my son's done a little bit of it so he's helped out so that's good yeah family business is brewing yep i like it what big thing are you guys going to do to celebrate other than making the trip here to do this um
The Ramsey Show
Hope Is the Difference Between Victim and Victor
Take her shopping some more. Shopping spree. There's a theme here, I think. Yeah, we got a trip planned out west. We do a lot of snow skiing. So we met actually in Deer Valley in Utah. So we're going to be going out there in spring break.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
A lot of shopping there. So I'm sure she'll find something.