Nicole
Appearances
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
He brought that up to me. I never went to him and said, you should quit your job.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
No, I told you that I was just as shocked as you. They came to me. I did not go to them and ask for your... Really?
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
You know, Dave, I really don't want to be rude, but everyone at work really likes me more than you. I reinstated Fun Fridays. You took that away. And everyone's really happy with the job that I'm doing right now. So I don't need you to yell at me, and especially on a radio show. I'm sorry that that happened, but from my perspective...
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
So I would say the majority of the things that we talked about. Had to do with work, and it was something that I couldn't talk to him about anymore.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
Look, I feel really bad. You sound like you feel bad. Maybe if you're up for it, we could get together and have a coffee. That's good. You could give me some tips on the job since you've done it before.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
Thank you. I don't know what else to say. This has been an interesting. You know what?
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
Yeah, I know. And thank you so much for doing that, by the way. That was really sweet. And I promise I'll never forget that.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
Well, thank you so much for saying that.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
You know, no, I wouldn't do that, and I don't think the supervisor would let you, so I feel like that's not the best.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
I think there have been some changes in staff here, and That would be very awkward and uncomfortable.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
Okay, well, I didn't know how to tell you this, but after you quit, they came to me, and they offered me a promotion, and it's to your job.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
i mean so it was a bit hard for me to say no and you weren't there so i i took it off of course i wasn't there we agreed that i quit oh my god they were so into it who is this what's going on i'm not understand what's going on right now yeah it's kind of like a conference call yeah yeah
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: I Quit For You
I'm sorry, I'm just so shocked. I didn't know that this was gonna happen. No, totally. It was a great opportunity to pass it up and you decided to quit and I took it.
The Deck
Susan Poupart (7 of Spades, Wisconsin)
Do you ever think about how your life and your sister's life would have been different if this had never happened?
The Deck
Susan Poupart (7 of Spades, Wisconsin)
Was it fairly easy for you to track down both of those men?
The Ramsey Show
Small Changes Now Mean Big Wins Later
Sure. So we have about $100,000 in cash, which includes our emergency fund. We have retirement funds that are worth about $2.8 million. We have mutual funds, which includes a college fund for our son and a small charitable trust that we recently started. That's worth about $500,000. Okay.
The Ramsey Show
Small Changes Now Mean Big Wins Later
We have paid for real estate, including rental property worth about 2.2, 2.3, depending on how you measure it. We have some passive business investments worth about $500,000. And then other assets, a couple of cars and some collections and things that make up the rest. Good for you. How old are you guys? Well, I'm 54. And I'm 42. Okay, cool.
The Ramsey Show
Small Changes Now Mean Big Wins Later
We inherited about $70,000 from my parents when they passed away about four or five years ago.
The Ramsey Show
Small Changes Now Mean Big Wins Later
So our best year, we were a little north of a million dollars. Our worst year is probably right now. Neither one of us is working at the moment. Dan was diagnosed with cancer a few months ago. So we decided that we had the ability to step back and focus on that and focus on each other. So we did. But I'd say, you know, our entry level, you know, my entry level is probably around 30,000 a year.
The Ramsey Show
Small Changes Now Mean Big Wins Later
I started as an accountant and then became a consultant and ultimately just an executive. Dan, you want to talk about your background?
The Ramsey Show
Small Changes Now Mean Big Wins Later
Yeah. Well, I'll tell you, we've been big fans of the Ramsey show and Dan went through financial peace when he was in the military. But we've only decided to call in now for that reason, because we did want to share that. I mean, you know, when we paid off our house a few years ago, that felt amazing.
The Ramsey Show
Small Changes Now Mean Big Wins Later
And the freedom that we had then to really, you know, do some things that were a little more risky and, so that we could create even more wealth at that point was incredible. But it's kind of nothing compared to the freedom to say, okay, we know exactly where our money is. We know exactly what we need to have coming in every month. to be able to sustain ourselves.
The Ramsey Show
Small Changes Now Mean Big Wins Later
And we don't have a bunch of debt hanging over our heads and big payments on things. We can actually choose to spend this time together and to fight this battle together. It wasn't even a second thought. We just made that decision and moved forward.
The Ramsey Show
Small Changes Now Mean Big Wins Later
Yeah, 100%. And you don't even think about it. It's incredible. You didn't even think about it. No, didn't even think about it.
The Ramsey Show
Small Changes Now Mean Big Wins Later
I'm sure Dan has some other thoughts about the freedom and the security.
The Ramsey Show
Hope Is the Difference Between Victim and Victor
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The Ramsey Show
Hope Is the Difference Between Victim and Victor
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The Ramsey Show
Hope Is the Difference Between Victim and Victor
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The Ramsey Show
Hope Is the Difference Between Victim and Victor
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The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
excellence excellence what it's all about that's right excellence in the ordinary it's a it's a ramsey value uh nicole is joining us now in sacramento california nicole how can we help hi thank you for taking my call i was calling because i needed some advice on far as what i should do next little backstory last year my mom handed me a capital one card and No explanation, nothing about it.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
I threw the card in the closet, didn't think about it. A few weeks ago, you guys had on the caller asking about a friend wanting to be an author's user on a card, and neither host at the time was a fan of that. my eyes immediately.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
No, no, no, I'm not. I'm not. I'm sorry about that. But I pulled my credit report to find that this account was on my credit report. I called the credit card company and asked them to remove me as an authorized user. And they said that that would take about two days But now I need to know what I need to do next because I want this off of my credit report.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
It was just the one card, and I don't know if it even matters with it being a FICO score there, because I've never had a credit card. I have never applied for any credit whatsoever, so that's why I didn't understand the authorized user thing and why...
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
that was even done and then to see that on my credit report it's like it it yeah that would bother me too if someone did that behind my back that's not cool have you talked to your to your mother about this i have not had uh the converse the conversation yet because that was um an immediate headache and kind of you know yeah well you called us so i figure you're trying to avoid this conversation do you think it's not going to go well
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
I just, yeah, I guess. I don't know. I don't think it won't go well. It's like I just kind of am annoyed that I even have to deal with it.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
It's not that she's going to be angry. It was just so out of the blue. How old are you? I'm 30.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Yeah, there's no reason to be worried about me. I've never had issues with money. It's like I hang on to my money.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
Hey, I was just trying to see if you guys could help me undo the mess that I'm in. I don't know if I'm cursed or what, but I'm in a lot of debt and I'm a single mom and I'm be close to retirement age shortly. And I just, I don't know what to do.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
Okay. So last year, my goal was to own a home and I know about debt to income ratio. And my highest debt would have been my car note, which was $772,000. Long story short with that, I end up making a bad deal, end up at 615 still, but no gap insurance. Since then, the job that I had, I have now lost. I have a new job, but it's $3,800 less. That's a lot. It is. Per month less? Yes. Yes.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
And I'm struggling right now. I'm close to addiction. I'm about to, I'm close to about to lose my car.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
I'm averaging about $1,200 to $1,400 a month. Barely making it. Oh man.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
My rent right now is 980, but it's behind and I'm close to eviction. So it's about 2,700 plus a 350 fee for their attorney fees. It's crazy.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
I was still a barber. I was working at another barber shop, and I was let go.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
I had more clients. I was still on the low end, but I was still making weekly pay. This is only... Every two weeks, and I'm averaging about $500 every two weeks, or a little over.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
So it's basically 50% commission or $12 an hour, whichever the greater of the two.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
Right. So what I did was what I was doing the first when I first started there, I was like, this makes no sense. I can do lift rides, right? Yeah. To make up the short. But now my car is breaking down and it's still not enough. Lift rides sometimes are not as great.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
as it was when i started right um so it so it's it's it's not it's it's not coming in i tried to get an uh been applying for other jobs like what nothing is coming through like i'm great at customer service and things like that i love barbering okay um i i really do love it but i was trying to get an additional job like work at amazon at night and it's hard to work at amazon at night
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
Six years ago, I lost one of my kids and my other children were there. And so what's happening is I have to kind of be at home with my younger daughter because she's feeling the repercussions of all of that. She's got a lot of mental issues, you know, going on trauma stuff we've got, we've gone through. So I can't really leave her at night and it's hard.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
And that's the other reason why I've also lost jobs because I have to stop and go to school and it's heartbreaking. I really wish that I could get a job that was financially stable where I could be at my child's disposal. You know, I just put one through college. I just dropped her off at MTSU and I,
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
Thank God she had a lot of scholarships, but I still have to pay a small amount for the next three months. That's right. I don't know where it's going to come from. Well, let's look at this.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
No, I don't. I don't do that part anymore. I can do women's hair, but I love I love cutting me.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
And what do you owe on it? It's a 2022 Volkswagen Tiguan. I owe about $29,000 since it went up. I was at $26,000, but since I refinanced, it's back up to $29,000.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
It's costing me $615 a month, yes ma'am.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
I have an $8,000 signature loan. Okay. Okay. Um, I have some student loans, uh, which I got to try to figure out how to get back because I was in a settlement. And for some reason, just tell me, just tell me how much they are for the sake of the call. It's like 6,000, $60,000. 60,000 back on. Yes. It's 60 K. Okay. And they're federal. It's not supposed to be on there. They're federal.
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
Uh, they're federal loans. Yeah. It was, it was a one in a,
The Ramsey Show
Surviving the Money Storm Starts with Tough Choices
No, just a $400 credit card that I was paying.
The Ramsey Show
Slow and Steady Wins the Race Every Time
Well, I have a question. We are on baby step number two, but we're just beginning. We've really just gotten our $1,000 emergency fund. And so my husband and I are in our 50s and just starting on all of this. There's a little bit of a journey that came before this that meant we were just getting started now.
The Ramsey Show
Slow and Steady Wins the Race Every Time
Excuse me, on what we're learning from you. but blessed in many ways. So the question though is that now we have our every dollar budget and really what it looks like is we need more income. And so what I'm wondering is, I'm a homeschool mom and I have two, my two youngest are still in school, nine and 11 years old.
The Ramsey Show
Slow and Steady Wins the Race Every Time
And so getting an outside job is not really something that I would like to do unless I could work it around what I'm doing with them. But I have found a resource where I could possibly get a certification that would allow a significant amount of income that would work around our home life and homeschool. But it costs $10,000 and I don't have that.
The Ramsey Show
Slow and Steady Wins the Race Every Time
So is there ever a time that it makes sense to try to finance, you know, some kind of education or a gaining of a qualification that would give you the opportunity to increase your income? Or is that always a hard no?
The Ramsey Show
Slow and Steady Wins the Race Every Time
Not counting the house, we have about $65. Okay. Well, let's see. Let me look at this notes. I'm right before I called you 35 on our vehicles, 45 and personal debt and about 4,000 in medical bills. And so our every dollar budget covers payments on all those things.
The Ramsey Show
Slow and Steady Wins the Race Every Time
So we would eventually, you know, get there, but we just don't, we don't have the insurance and we don't, you know, in our fifties, I'm starting to see things that give me concerns for the future. And so just wondering how we could, you know, make some significant progress.
The Ramsey Show
Slow and Steady Wins the Race Every Time
I think it was, yeah, I think it was 13. I'm pretty sure we're upside down on that one.
The Ramsey Show
Slow and Steady Wins the Race Every Time
Yes. So would you just stay with the one vehicle?
The Ramsey Show
Slow and Steady Wins the Race Every Time
No, it was actually when my, when my now 18 year old was looking for a vehicle, my husband sold him his car. And then to replace his car, we looked at, you know, what some motorcycles are less expensive than cars. This one didn't happen to be, but that was, that was what started.
The Ramsey Show
Slow and Steady Wins the Race Every Time
No, no. I mean, we have, Oh, you mean? Yes. Yes. There is auto insurance, of course. I'm talking about health insurance. Yes.
The Ramsey Show
Slow and Steady Wins the Race Every Time
The latter. Yes. He's driving a motorcycle with no health insurance. He does have life insurance.
The Ramsey Show
Slow and Steady Wins the Race Every Time
Well, you might. You might. I don't. We're trying a new approach because, well, I say new when I come to you guys, because we have heard of Dave Ramsey and known of some of the resources, even use them in our homeschool, and our children are doing well. But we have struggled to be on the same page financially for quite some time.
The Ramsey Show
Slow and Steady Wins the Race Every Time
And now we're making progress in that area, so I'm really glad we've got the $1,000.
The Ramsey Show
Slow and Steady Wins the Race Every Time
We see things pretty differently, but we're getting there. And so improvement is good, but I'm just not sure about how we go from where we are. if we need more income.
The Ramsey Show
Slow and Steady Wins the Race Every Time
All right. So I know we talk about that a lot. I'm doing that right now. I did the first baby step, but that's been done for like years. And you talk about debt and getting rid of it. And I fully understand that. But my question was, there's a few like between you, Graham Norton and a couple other people that talk about like, just don't have a credit card in general.
The Ramsey Show
Slow and Steady Wins the Race Every Time
How can you not have a credit card, but build enough credit to eventually buy a house?