Sam
Appearances
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: Worst Best Man
In 2020, a group of young women found themselves in an AI-fueled nightmare. Someone was posting photos. It was just me naked.
Brooke and Jeffrey: Second Date Update
Awkward Tuesday: Worst Best Man
In 2020, a group of young women found themselves in an AI-fueled nightmare. Someone was posting photos. It was just me naked.
Coder Radio
589: Blame the Tools using the Tools
Deeply personal in a way we never could have anticipated.
Coder Radio
589: Blame the Tools using the Tools
Off kilter. There's a certain unsettling awareness that we can't shake. Like looking at a reflection that suddenly... Not you. Not quite right.
Health Chatter
Fake News and Health
Correct me if I'm wrong. I think it came out of the political arena or what. I don't know, but it's really disconcerting. But do you have a sense when it started or when it came about?
Health Chatter
Fake News and Health
So, you know, it's underlined and, and Maddie, you, you, you touched on this. Um, underline all this are our personal values. So for instance, you know, we value certain things, but yet we might look at the other side just to see what, what's going on.
Health Chatter
Fake News and Health
Like for instance, Matt, you said you, you watch, you know, CNN, you know, because you're more on the, on the, on the liberal side and you adhere more to their thinking. However, When would you watch Fox News, for instance? Well, it wouldn't be to compromise your values. It would just to see how the other ones are coming across. So that's one thing I think we do.
Health Chatter
Fake News and Health
But hopefully, I'm hoping that accurate information... is the call of the day. And that should never compromise our values for sure. Let's talk a little bit about all these different kinds of methods of getting information. So like Facebook, for instance, outpaces all other social media sites as a news source for Americans. Facebook.
Health Chatter
Fake News and Health
So now, you know, if you were to ask Clarence or I, you know, let's just go back 20 years ago, if we were to ask that same question, first of all, it certainly wouldn't have been Facebook. It would have been, you know, I don't know, New York Times, Washington Post, major, you know, even news broadcasts on major television networks. That would have been the answer. But not today.
Health Chatter
Fake News and Health
30%, you know, this is from our background research here, 30% of US adults saying they regularly get news from Facebook.
Health Chatter
Fake News and Health
Yeah. And here's some more information. 86% of Americans get their news on their smartphones. Yeah. Okay. So think about how... how you get the, it's almost like news bites. You don't, you really wonder what percentage of that 86% digs deep into the actual written discussion about it. Or do they just read these headlines?
Health Chatter
Fake News and Health
Right. And, and it's kind of like, you, you wonder whether or not all of this is related to how fast paced we are without the, the ability to really slow down. You know, one, you brought up the idea of, you know, being critical. I remember actually, of course I took in, you know, for my, my doctoral work on how to ask the right questions and,
Health Chatter
Fake News and Health
So, and we would use, we would read particular research articles and we were taught how to be critical thinkers and how to ask, you know, what this means or, you know, dig deeper into subjects. I'm not so sure, you know, I hope, you know, certainly, you know, at the doctoral level that, you know, people still are critical thinkers and learn how to ask the hard questions.
Health Chatter
Fake News and Health
So, all right, let's link it back to health a little bit here. We are seeing, the research is starting to come out that patients suffer from News related stress.
Health Chatter
Fake News and Health
Okay. And, you know, I'm sure, you know, I can certainly say that, you know, I can, I can relate to that, you know, you get to a certain point where you can't hear, you don't want to listen to it anymore. Okay, it's just like, I can't, I can't, I can't hear any more about that particular subject.
Health Chatter
Fake News and Health
Let me give you a for instance, you know, there are wars that are going on as we speak in Ukraine, and in the Middle East and Israel. And You keep hearing about it and there's only so much that you can listen to or get involved with before you get stressed out yourself. And stress is a major health issue. So we have to balance.
Health Chatter
Fake News and Health
Hello, everybody. Welcome to Health Chatter. Today's topic, interesting one. Of course, all our topics are interesting, but this one, fake news. And it's a good follow-up to our last show when we talked about health and politics. So we should see how this one plays out. We've got a great, great crew who I love to recognize. Maddie Levine-Wolf, who's helping us today doing the recording.
Health Chatter
Fake News and Health
We have to learn how to balance the information that we get at the individual level for sure.
Health Chatter
Fake News and Health
Correct. And I think that there's a level of engagement at the personal level and at the community level that I think we have to also keep in balance.
Health Chatter
Fake News and Health
Again, for our listening audience, this is really interesting. Obviously, we were getting ready for this show, and in today's Star Tribune, Minneapolis Star Tribune, the editorial in today's paper, August 2nd, 2024, A Bright Spot Amid Vax. vaccination disinformation. So listen to this. A new study from George Washington University yielded surprising yet hopeful findings.
Health Chatter
Fake News and Health
In an area in which disinformation, which we talked about a little bit ago, has undermined the public's confidence in vaccines, researchers documented good news about one important immunization, the hepatitis B vaccine for newborns. The parental refusal rate previously recorded in a study at 12.1% in 2017 plummeted, ready, to 3.5% in 2022, meaning more parents are taking the responsible step
Health Chatter
Fake News and Health
and getting their children vaccinated. This development is an encouraging one. So in other words, all right, you know, at some point, you know, we might have been involved, certainly during COVID, vaccination overload, and it might have had an effect on other vaccinations that we need to get. It's like, oh my God, you know, I can only get poked in my arm so many times, okay?
Health Chatter
Fake News and Health
Or my kid can only get poked in the arm so many times. But that doesn't mean that there wasn't accurate information out there. So in this case, the disinformation was basically put aside and we're seeing positive impacts of the information and people acting appropriately.
Health Chatter
Fake News and Health
Yeah, and who makes the judgment? Whether... And it's just kind of overwhelming when you think about it. It's just like when, certainly when I was growing up, and it's you too, it's like when you think about this, it's like news. You think of news as being accurate and factual and truthful.
Health Chatter
Fake News and Health
You know, I agree. You know what struck me is like information. Where do people go to get health information? So for instance, if you're diagnosed with a particular disease, that you know nothing about. And all of a sudden you're thrust into, you need to know. And so it's like, where do you go for trusted information? Not misinformation, but trusted information.
Health Chatter
Fake News and Health
And like, for instance, if you go to the Centers for Disease Control to look up something, was the center or has been the Center for Disease Control disease control, has their information been compromised? The trust been compromised because of some things that have come out in fake news or information overload that people don't trust at any given time. And so now what happens?
Health Chatter
Fake News and Health
Correct. So, Maddie, I've got a question for you. You know, obviously you're a player tonight. We grew up in a... in a generation where we had newspapers, I mean, that were really sources of information, even though they have them today, but people aren't relying on them as much, news broadcasts, et cetera. What do you, Maddie, what do you embrace as far as, I guess, trusted news?
Health Chatter
Fake News and Health
But now it's kind of like this standard deviation away from that where then we as the public have to make judgments about accuracy and whether it's truthful or whether it's verifiable. It puts kind of the onus on us where It doesn't seem like that that was the focus of what news was all about, whether it be in newspapers or in the social media world, etc.
Health Chatter
Fake News and Health
And finding the balance. You know, it's like we have enough to do just personally our own balance, but then all of a sudden you're barraged with all this information, disinformation, misinformation. Yeah.
Health Chatter
Fake News and Health
You bring up an interesting point about processing. Again, if I reflect on when we received news 20 years ago, we didn't have to process. We really didn't have to, in our mind, we didn't have to determine whether this was good, bad, indifferent, whatever. It was news. You would listen. You would just listen and take it in. Now you have to listen and process it
Health Chatter
Fake News and Health
good, bad, or indifferent going forward. Do you think that's an accurate statement, Clarence?
Health Chatter
Fake News and Health
I don't know, Clarence, what do you think? I don't think they were as intense as they are today.
Health Chatter
Fake News and Health
But... You know, I think we're also attracted. I think we're attracted to negative news.
Health Chatter
Fake News and Health
You know, I mean... You know, if it's positive, okay, fine and dandy. But negative, whoa, what? You know, it's kind of like... It kind of really hits us more. And I think the news... the news companies know that.
Health Chatter
Fake News and Health
The title Fake News is kind of almost like a tagline that certainly in the political realm has been embraced. But I think it's going to be around. So I think going forward for all of us, we have to discern truth and make healthy judgments based on the information that's given to us.
Health Chatter
Fake News and Health
I think chatting. is good. I really do about this. Yeah. I mean, this is, you know, you can talk about it with your neighbors, your friends, whatever. And so that, you know, together you can come up with it, you know, a comfort level too. So you don't feel like you're doing this by yourself. Anyway, interesting, interesting subject.
Health Chatter
Fake News and Health
We have a great next show coming up and that's going to be on toxic relationship. So stay tuned for that as well. We hope you enjoyed this show. And to everybody, keep health chatting away.
Health Chatter
Fake News and Health
Yeah, and you know, it seems to me that... if indeed you don't agree for whatever the topic happens to be, and we'll get into health in a second here, but whatever it is, if you don't agree, then it's fake. It automatically is, is fake. But, and anyway, all right.
Health Chatter
Fake News and Health
Aaron Collins, Deandra Howard, Matthew Campbell, Sharon and Nygaard are all second to none and really, really help to make Health Chatter successful. Clarence Jones and I do these shows together. Great colleague. And Clarence is involved with his community organization, Human Partnership, who sponsors Health Chatter. And we greatly appreciate that. You can check them out at humanpartnership.org.
Health Chatter
Fake News and Health
You know what I think it is about this fake news stuff? Even if you don't, even if you know it's wrong, I think it, To a certain extent, it's almost like a form of entertainment. You know, when you get to the point where you say, geez, that's totally counter to what I think. God, this is kind of different. And so it's like people kind of gravitate to it because of that.
Health Chatter
Fake News and Health
Entertainment and or trying to maybe get a handle on the other side of the equation. You know, it's kind of like, OK, maybe I should just listen to this, whatever it may be, just to see what the hell's been they're saying here, just so I can I can make. more of a personal judgment on it. But anyway, for our listening audience, here's some interesting stuff.
Health Chatter
Fake News and Health
All right, so what's the difference between misinformation and disinformation? All right, so listen up. Misinformation is false or inaccurate information. Disinformation is is false information which is deliberately intended to mislead. Intentionally misstating the facts. So now I'm gonna link us a little bit with health here. I think, you know, and Maddie and Clarence chime in on this.
Health Chatter
Fake News and Health
I think we were really deep into fake news during the COVID pandemic. And I really think, you know, I'm sure there'll be research on this or information about this coming out, but I think it was detrimental. And I think it hurt us. I think it really, really hurt us. And it got to the point where the public was saying things like, what am I supposed to believe here?
Health Chatter
Fake News and Health
And you can check us, Health Chatter, out at healthchatterpodcast.com for all the different shows. And you can check in on all the research that's done for all of our shows as well. Check us out. Today, fake news. So it's going to be Clarence and I and Maddie are going to be discussing this topic. Boy, I'll tell you, I don't even know when the concept, Clarence, of fake news hit the scene.
Health Chatter
Fake News and Health
I know. It's just like, At what point do you embrace truth as best as you can? At what point do you embrace... as best we can at the time, research and medical science in order for us as the human race to get through as best we possibly can with minimal negative effects. And a lot of that was compromised. It was just insane. So Manny, I want to pull you in on this one. Do you think that...
Health Chatter
Fake News and Health
Fake news really came to be because of all the social media. Do you think that that's what really drove it? Or what do you think, in your estimation, drove this whole concept of fake news?
Office Ladies
The Edge, Pt 2
Yes. The first half of this movie, before they reach the bear, is Lord of the Rings.
Office Ladies
All About Pam Beesley
Sure. I think mine out of many has to be from Dinner Party. It is this.
Office Ladies
All About Pam Beesley
I just found the clip. This is Pam and Jim up on the roof eating pizza.
Office Ladies
All About Pam Beesley
Kudos to you for bringing that up, even though that defaults your entire argument. That's big of you. I wouldn't have brought it up.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Oh, wow. Okay. Oh, it has chopsticks too? Okay, describe it. Okay, so it is a glass Christmas ornament. I have a tradition on my tree of only food ornaments. Yes. Are these buns?
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Yes, that's the word I couldn't think of. Dumplings, yeah.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
I'll have to total up this year's calories of a tree each year I total it up.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
It's a 35 millimeter camera. Yes. Oh, this is awesome. Thank you.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Okay, good. I won't throw it away. Don't throw it away.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Sure. I go back to Milwaukee, Wisconsin, and my brother and I go get a fresh-cut Christmas tree for his family. And there's two dogs at the Christmas tree lot that we always look forward to seeing that are there every year.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
I think Bing Crosby's White Christmas does it for me.
Office Ladies
Bonus Christmas Episode with Brian Baumgartner
Wow. I believe it also hasn't not been on the charts since it came out.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
This is a CBC Podcast. Hey, Sam here. If you listen to Sea of Lies, I want to tell you about another CBC podcast I think you're really going to like. It comes from a CBC feed called The Con. In The Con, Caitlin's Baby, a woman named Caitlin Braun asks dozens of doulas to help with her pregnancy, only to string them along through an escalating series of disasters.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
It didn't take long for it to spread like wildfire. You got to take a look at this really crazy gold stock. A buddy of mine got in at a dime.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
Somebody knows more than we know.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
That was the first episode of The Con, Caitlin's Baby. All episodes from the series are available now. Just search for The Con wherever you get your podcasts.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
Rape, pregnancy loss, even a coma. One by one, the duelists struggle to support her and grieve with her and even save her life. And then the truth comes out. In the six-part series, host Sarah Treleaven untangles a complex web of deception to ask who Caitlin really is and why she did the things that she did. This is not your average con and Caitlin is not your usual scammer.
Sea of Lies from Uncover
Uncover Introduces | The Con: Kaitlyn’s Baby
Now here's episode one of The Con, Caitlin's Baby.
Sea of Lies from Uncover
The hidden story of a notorious serial killer — and his secret calls from behind bars
This is a CBC Podcast. Hi, Sam here. I want to tell you about the upcoming season of Uncover, slated to be released next month. It's called Calls from a Killer. It's 1990, and reporter Arlene Bynum gets a collect call. On the other end of the line is Clifford Olson, a man convicted of killing 11 children less than a decade before.
Sea of Lies from Uncover
The hidden story of a notorious serial killer — and his secret calls from behind bars
For more CBC Podcasts, go to cbc.ca slash podcasts.
Sea of Lies from Uncover
The hidden story of a notorious serial killer — and his secret calls from behind bars
This began years of secret conversations, recorded without the knowledge of his prison guards. Now, for the first time, Arlene is sharing those tapes. Here's the trailer for Calls from a Killer from CBC's Uncover.
The Planet Reigate Podcast
41: The Light’s first birthday, a look back at Reigate’s Summer Festival and Horley carnival… and more.
So the headquarters of the Greyhound Trust Charity are in Peaksport Lane, Hawley, since 2022. And at any one time, we've got up to 20 dogs looking for a home. And we'll try and match to an interested family's circumstances. And we also welcome people to volunteer at events such as today, where Johnny and I are at the carnival. Foster families are often needed as well.
The Planet Reigate Podcast
41: The Light’s first birthday, a look back at Reigate’s Summer Festival and Horley carnival… and more.
The two I have at home run around the front room for five minutes but then they're exhausted, mad moment and then they'll fall asleep and you don't hear from them again. They do want to see who comes into the house but they are not in any way aggressive to visitors to the house. The Greyhound Trust have a website which is greyhoundtrust.org.uk
The Planet Reigate Podcast
41: The Light’s first birthday, a look back at Reigate’s Summer Festival and Horley carnival… and more.
Thank you very much, David.
The Planet Reigate Podcast
41: The Light’s first birthday, a look back at Reigate’s Summer Festival and Horley carnival… and more.
Oh!
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Hi. I guess it's like a two-part question. So my husband just finished building a house for us.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
We saved up a lot. Pretty much. He did 90% of the work.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Well, about like four years ago, I gave him this idea that I wanted to sell the house we had. His family had land. It didn't work out that way. We sold the house. We bought a piece of land near his family and had a really old trailer on it. We lived in that trailer for two years while we saved up about $20,000 before we started building, but we also used $40,000 to buy the land.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Yeah, sorry. So that's all we had up until January for debt is our mortgage. It's $190,000. That's all we have. In January, I totaled my car. Oh, no. So... Yeah, it sucked. I hit a deer. Um, so it paid off my loan. I ended up getting two grand. I was, you know, I was on top of it. So that's not the end of the world. My husband hadn't had a vehicle loan in the five plus years or whatever.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
So he went out two weeks after I totaled my car and bought himself a $33,000 truck. So I'm just wondering where to go from now. I got about $6,500 in the bank for savings. And I'm just wondering... And you don't have any car.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Well, nope, nope. We have cars. They're just a matter of beaters at this point and his nice truck. So we kind of just bounce between his nice truck and the beater to get me to work right now.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
We have three cars total. He has his old truck that didn't have a payment. It's in rough shape, but it does the job.
The Ramsey Show
Make Decisions Based on Guidelines, Not Headlines
Then we have an older car, and then we have the newer truck right now. So we have three vehicles, two of which are paid off.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
I'm good. Good. I guess my question mostly surrounds finishing school and my career in the future.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yeah, right now I'm about 16 credit hours away from getting my associate's in business.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
But I'm not taking any classes this semester.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yeah, I'm working quite a bit of hours. I work every day. And by the time I actually, in truth, by the time that I was looking to sign up for classes this semester, all the ones remaining for my program were booked up.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yeah, I'm a manager and coach at a gym.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
It's tough. I'm kind of at the ceiling. Of this stuff, the only kind of way to go up would be owner, equity owner.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Yeah, I'd love to either have some sort of remote work in a field that I really enjoy or I'd really like to get into real estate investing and kind of manage that.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Um, I guess I really just want to make my friends and family happy and spend time doing things that I enjoy. I know you're a sweet young man.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Thank you so much, Karen. Yeah.
The Ramsey Show
Don't Chase Money, Chase Freedom
Here's the thing is that I bought a quadruplex in L.A. last year, but it's fully owner-occupied, so I couldn't. That's fine.
The Ramsey Show
Don't Chase Money, Chase Freedom
Well, yeah, I mean, you're right. Yeah, I am right. Mm-hmm. The whole reason why I've been working is I just want this house that I've been looking at for years, and that's what I'm truly going for.
The Ramsey Show
Don't Chase Money, Chase Freedom
Yeah. What is it? So me and my girlfriend have been together since middle school, and we've done all the... Why is she hanging out with you when you still live in your mother's living room? I mean, she tells me the same thing. I'm not sure. I hear it all the time.
The Ramsey Show
Don't Chase Money, Chase Freedom
Good. Good morning, guys. Thank you for having me on the show.
The Ramsey Show
Don't Chase Money, Chase Freedom
Yeah, so my name is Samuel Baron. I'm 26 years old. I've been following your principles since I was a teenager, about 18, 19. Your advice on living debt-free and investing has helped me build a $5 million net worth at 26. Way to go.
The Ramsey Show
Don't Chase Money, Chase Freedom
Thank you. I have a big question, and I'm really confused on what's next. So I made my first million at 22. I invested all my profits I made. I still live in my mom's living room, and I eat McDonald's and Chipotle every single day, which isn't the best. But my question is, what's the meaning of life when the money game feels solved?
The Ramsey Show
Don't Chase Money, Chase Freedom
Is it about starting a family or buying the dream home that I've been looking at for the past eight years, or is it something deeper? Good for you.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
Well, I'm doing good. Thanks for taking my call.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
So my husband and I currently are doing the financial peace program, and we're trying to pay off debt. My husband is an Army veteran, and he is now an owner-operator semi-truck driver.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
He went to buy a new truck at the beginning. He's planning on doing one this year, and they looked at our credit, and our credit, they said, was too bad for him to get another loan for another semi.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
But this has me terrified because all we have is $1,000 in savings as we're trying to pay off this debt. And if that truck does break down... Sometimes to get it back over the road, you drop $40,000 to get it back over the road.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
Thank you so much, Dave and Ken, for taking my phone call. I really appreciate your time. Sure, what's up? So I have a bit of an interesting question. I am trying to figure out how to navigate graduate school as a non-traditional student.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
So I am a bit ambitious in that I want to do a combined MD-JD program.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
So about a year ago, I did a... I volunteered for the county and I was working with amazing defense attorneys and I love the work so much. Um, I didn't realize how much I was going to enjoy it. Um, so I started assisting them with case files and I mean, when I came home, I was just super excited.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
Before I wanted to be a lawyer, I was pretty headset on becoming a doctor. I currently have an associate's degree in psychology, and Just a little bit about me. I have two children. They are both in elementary school. And I do work full time. I work from home. So that has been really helpful with navigating school. And I will be starting my bachelor's degree here in the fall.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
And currently how that's going to be paid is 60% of it is going to be grants. 30% of it is going to be scholarships through the university, and the rest of it will be paid for.
The Ramsey Show
If You're Intentional With Money, You Can Win With Money
So I currently work for a hospital here nearby, and I would love to continue working for them. I just thought that as far as working in their legal department, that it would be really beneficial for me to have a medical background as well. Not at all.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Do you feel a difference in that? I'm actually selling my beloved car.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Yeah. Well, and he has offered. He even said, like, let me sell the truck. I'm just a little, I would feel really bad. I would.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Cause he'll have his, um, paid off in like two years, maybe max cause he works a lot of overtime, but I'm going to probably be in this like three, four years if I'm lucky.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Um, student loans is a hundred. I have the car for 38, which I'm going to let go of. And, um, I have a consolidation loan for some credit cards because I was living above my means for a little while.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Yeah, so I can sell it privately for $46,000 or $47,000, but again, I owe the bank $38,000. Great. And you'll use the difference? Yeah, I'll put it towards that consolidation loan.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Actually, no, because I work from home, so I can either borrow a car from my parents, which it's already paid off. It was my car before. It's in my name still. Or we have a... Would it be borrowing or they give it to you?
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
No, it'd be fine to borrow. They don't need it. It just kind of is there for when they do. Okay. I can use that or, you know, if he keeps his new truck, he does have a beater that he drives to and come work. Yeah. Oh, I just had him get rid of a car that was almost as old as me. Wow.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Hi, thanks for taking my call. New listener as of about a week ago. And my question is, should I be paying off all of my debt prior to starting to save for a down payment? And if yes, should we just keep renting?
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
I think my future fiance, we're going to be engaged soon, will be ready to kind of buy land or a house before I am if I do have to wait till I get all of my debt paid off because I have quite a bit.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Um, so I'm just starting to pay it off because I just switched from a W2 worker to a 1099 like consistent contract. Um, so I was making, I'm making enough, but like to make all my payments, everything's current. Um, but I just haven't been able to get out of it because I was living above my means for a little while. How much is it? I, I have 160 myself. Um,
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
He was debt free, but he just got a truck. So he's got about 50. He makes more than I do. I make 85 and he makes 138 a year, but he also does some side jobs. So that's kind of like his base.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
No, but we do live together and we split our rent and expenses pretty evenly.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
So we have had those conversations. I'm kind of bullish on it's my debt. Like even though we're going to be married, it's my problem to solve. And you're right. He's offered to like, yeah, he's offered to like, um, pay additional like money towards our rent to help me get more of my debt off my plate. Um, and we're, we are aligned, but at the end of the day, like if he wants a truck and, um,
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
he can afford it on his salary.
The Ramsey Show
What Are You Willing To Give Up for Financial Freedom?
Yeah, I come from separated parents and that like wasn't a great financial example. So I'm like trying to make sure if we do buy a house, like I have skin in the game and like it's not just all on him. So it's just been he's very good and we have healthy conversations about it. I just feel like guilty about it.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
Good, good, good. I do have a, I've got a question. It's in regards to my 401k. So I have a 401k from a previous employer with about just a little bit shy of 500k in it. Haven't worked for them for about five years. But my question is, I'm thinking about possibly rolling it into a Roth IRA to avoid the taxes when I retire. And I'm just kind of wondering what kind of tax penalties am I looking at?
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
And is it even worth doing at this point?
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
Well, it's kind of half and half. So I've got traditional 401k, and then the other half is straight company stock. So, I mean, the return on that stock has actually been really good. Last year alone, I've reaped a 25% increase in it just because of the stock split that we've actually had.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
No, I could definitely cash it out. Okay.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
And I'll just have to pay taxes after or when I get ready to retire as I withdraw, correct?