Phillip
Appearances
Duck Call Room
Uncle Si Comes Closer to Being Scrooge than Santa’s Elf
see he had to make signs and he's only like he's already old enough to that's weird they all said no to yeah it's like a big dance and a big production wait what you made signs and they said no uh my senior year i made two signs yeah and asked two different girls and they both said no to me for the third girl i didn't make a sign and just asked her out and she said yes well that's see that's a good thing oh that's a good sign
Duck Call Room
Uncle Si Comes Closer to Being Scrooge than Santa’s Elf
i really like that girl huh i really like that girl at the time yeah and i just found out the other day actually she said no to me because her she knew her parents would say no because hunter's a bad boy they know hunter his reputation okay yeah so there was some mutual likeness i just didn't know that at the time okay are you going are you going back for it because why did you just now find this because you're like how old are you
Duck Call Room
Uncle Si Comes Closer to Being Scrooge than Santa’s Elf
I was broken up with, and then my friends were like, here, let's set him up with someone else.
Duck Call Room
Uncle Si Comes Closer to Being Scrooge than Santa’s Elf
And it was the girl that said no to you at prom? And it was the girl that said no to me at prom. Oh, that's a toughie.
Duck Call Room
Uncle Si Comes Closer to Being Scrooge than Santa’s Elf
We're going to go look at Christmas lights tomorrow.
Duck Call Room
Uncle Si Comes Closer to Being Scrooge than Santa’s Elf
I should recreate the sign. No, you shouldn't.
Duck Call Room
Uncle Si Comes Closer to Being Scrooge than Santa’s Elf
Signs are out. And if I can make a suggestion, let's not bring that up again.
Duck Call Room
Uncle Si Comes Closer to Being Scrooge than Santa’s Elf
ah no her i i totally agree after i it was it was it was you know she was there just first name what's her name kylie who kylie kylie okay that's cool kylie welcome to the duck call room you're part of the family now good for you i don't even remember the last girl's name she's out hey i don't even know who she was thank you
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
We started at right around $100,000 and then... We had the numbers there for 23, and it was like 219 at the end of 23, and then I finally did the taxes last week. We made it over 250. All right.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
The most progress? Probably the single biggest year was last year in 24. Just because the income went up? Income went up and there were some changes with some pay time off with work and all that that
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
they ended up cashing out both of ours so we had like two extra months worth of income just come in pto and they switched over to a different plan so didn't lose out on any available time off for us so that was a big one because yeah our final payment was like 46 000 and change that we just did all at once that was a really rough two weeks of just like no one can get sick no one can get injured everyone has to be very cool for these two weeks until we get hold your breath hold your breath like
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
I mean, we were saying for the last couple of years, this is finally going to be the year, but there is something different coming into 24 like this. This is finally going to be time for this to happen. And I knew I was going to have to cash out some PTO to make that goal by the end of 24, but I didn't know it was going to take all of my PTO and all of hers at the same time.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
But ended up being that with the workings that everything else with work that if I had done it earlier in the year, it wouldn't have worked out. We had to wait on them to make the changes that we weren't in the place for them to even make those changes. So God really worked it out for us to make this come together at the end, because when it all came in.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
to the checking account, it was less than $200 that was in the checking account, more than what we had left to pay. It was a total God thing. And we're done. We can be done tonight, but then we have $200 for the next two weeks.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
It can always be done. So, I mean, what can't be done?
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
Probably just the length it took. Yeah. Just staying focused for that long. Yeah. And just how little progress was being made early on. Yeah. Just knowing, no, just got to keep with it. Keep going. Was it worth it?
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Hi, thank you for taking my call. Sure, what's up? So my question is, I am debating if I should buy a house. I currently own a little home that was given to me from my family, and I have it on family land. After my divorce, I kind of had to restart over. And after a long battle, I was finally awarded sole custody of my kids. So my kids are with me full time.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
But I live in a mobile home right now, but it's fully paid for. It's mine. But I feel kind of a little bit of shame of it because I make good money. What do you make? I make about $86,000 a year.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
It's my parents' land. They have multiple properties in the area.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Yes, they gave it to me and gave me the title for it and everything.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Not for the land, just the mobile home.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
And I spent the lessons. I don't really pay anything. I pay here the light bill.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
And so I spent the last year kind of just maxing out my 401k, maxing out my Roth IRA. I was able to save about $22,000 in my savings account. The only debt I have is just a truck that I owe about $15,000 on. Write a check and pay it off today. Okay.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
I would say about 15. The one I'm on right now is two acres, but they have two acres in different properties here and there. They own a property management company.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
I don't know. I'd say about $4,000. Okay, let's give it back to them.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Thank you. I've been blessed.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
So me and my husband, we're 34 and we're 35. We don't have much of a retirement. He's got $13,000. I just started mine, last paycheck, so I have $400 in there. We have about $49,600 worth of debt, and that includes everything except for our mortgage, which is $128,000 left. Not terrible, but it's at 6.125%.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Um, I've been, I have been, I'm an RN, so I'm able to work extra and I've been working extra since August. Um, and we've been able to pay off just under $5,000 worth of debt, which is great. Um, but I can't do this forever. I'm, you know, I miss my kids. I miss my husband. Um, so that 49,600 that I'm kind of laser focused on to get rid of,
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
And we've dialed back, or I feel like we've dialed back everything that we can as far as financially or monthly. I'm just not sure how to get ahead because our goals are obviously to get out of debt. But I also am really concerned about retirement age, which I know is in roughly 30 years. But I don't want my daughter to ever have to worry about
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
While I'm working extra, we bring home about $8,500 to $8,800. It kind of depends. I'm RN. It's finding hours shift differential.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Huh? What's your husband do? He's in like an investigator HR position. He doesn't have a degree or anything, but he makes $73,000 a year. But he also has to pay $12,000 a year in child support. So whatever that is. So $73,000 minus $12,000 is what we make.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Well, when I'm working just normal and I'm not working extra, I bring home about $4,000 a month.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Yeah, this one's about right.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
I have a $5,600 personal loan. That's at 13.95%. That was like a loan to pay off an ugly credit card from my 20s. What else? And that behavior's fixed. Like, I'm not going to run up any debt. In fact, I've used credit cards to repair my credit.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
We have a $20,000 car that has 13.95% interest, 12,000 left on my car that has 8%. And then I have about $7,000 in school loans, and it has varying, but they're all around 4%. And then our home, of course, 128. Euro's credit is bad, and you got screwed when you bought that $20,000 car. Yeah, yeah. At that time, I had not repaired my credit.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Yeah, that's true, isn't it?
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
I don't know if we can. He has about a 30-minute commute Monday through Friday. It doesn't require a $20,000 car to do a 30-minute commute.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Oh, no, no, no. We are both very involved. I think we both just lack that kind of deep financial literacy.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
Yeah, I don't know if he could get a second job. He doesn't get home until 6 p.m. most days, and then on the weekends he has his son who's special needs.
The Ramsey Show
Don’t Let Your Present Circumstances Define Your Future
But that's the beauty and the blessing of the career I chose is I'm able to.