Steve
Appearances
Armchair Expert with Dax Shepard
Best of Friday 2024
There's some notion that that's the right thing to do.
Armchair Expert with Dax Shepard
Best of Friday 2024
I tried to kick at it, although my injuries were such that probably I couldn't. I don't know. Yeah. I think I kicked at it. And then it was just gone. I don't remember it swimming away, but I got myself up to the surface. There was a security camera in the distance that captured this whole thing. No way. It captured the shark breaching. And then 12 seconds later, I come up and start yelling.
Armchair Expert with Dax Shepard
Best of Friday 2024
When I got to the surface, I knew I was badly hurt. I didn't know how bad. And I sort of leaned back. To try to get my legs up, I thought, don't let your legs hang down. It'll just bite you again. As I lifted my knees up, I could see my left leg where there should have been wetsuit or skin. It was just nothing but hamburger red. Oh, my God. And the water was red.
Armchair Expert with Dax Shepard
Best of Friday 2024
And I knew I was in horrible trouble. I just swam a mile and a half. There was absolutely no way I could swim the remaining 150 yards to the beach. All I could do was yell for help and hope that there are brave, kind, skilled strangers that can hear me and are willing to come out and risk their lives. And that's what happened. I was really unlucky to be bitten by the shark.
Armchair Expert with Dax Shepard
Best of Friday 2024
And then some things happen that are just hard to believe. I'm yelling, help, help, just as loud as I can. You can actually hear it on that security camera. I could hear the emotion in my voice. I was not in terrible pain, but I knew I'm not going to make it. I was yelling for help and I couldn't see anybody coming. There was so much blood. Oh. I thought, I don't want to die like this.
Armchair Expert with Dax Shepard
Best of Friday 2024
Finally, I looked to the right and saw a paddleboarder. And I yelled some more and I looked again and he was coming right at me and closer. I thought, okay, I've got a chance. It turns out that there was a couple on an anniversary trip. They lived three hours away in Sacramento, Amy and Paul. They'd gone paddleboarding and they heard me and they started coming my way.
Armchair Expert with Dax Shepard
Best of Friday 2024
They were a couple hundred yards away. He is a police officer, a first responder. No, she is a nurse, a health care professional.
Armchair Expert with Dax Shepard
Best of Friday 2024
That's exactly right. And they knew it was a shark. They could tell from the way I was yelling there was something was way wrong. They were mentally preparing. Paul was thinking, if it is a shark, I'm going to take the paddle and put it down his throat. He's a first responder. He does this for a living. He said, no question I was coming to save. And then is that that wasn't enough.
Armchair Expert with Dax Shepard
Best of Friday 2024
From the beach, there was a group of school kids from Kansas who were out here for a weekend. It's called Blue Theology. They were here to learn about the ocean and how to take care of it. And there was a guy teaching them ocean appreciation. This guy is a surfer, a former lifeguard, a surf rescue guy. Whoa. And one of the dads of the Kansas kids saw the shark and yelled to Heath.
Armchair Expert with Dax Shepard
Best of Friday 2024
Hey, Heath, there's a guy out there. He needs you. So Heath, the surf rescue guy, he grabbed two surfboards, stacked one on top of the other and paddled out to me. Oh, my God. Jeez Louise. Can you imagine a health care professional, a first responder and a surf safety guy were the three people who heard me and they all came rushing to me.
Armchair Expert with Dax Shepard
Best of Friday 2024
Paul, the police officer, got to me first and tried to get me on the board. I don't remember this. I was in and out of consciousness. He could not get me on his board. Then Keith put the second surfboard in the water for me. They tried to get me on that board. It didn't work. And finally, they said, look, you're going to have to help.
Armchair Expert with Dax Shepard
Best of Friday 2024
And I remember I reached up with my arm and I helped pull myself up onto the board. The injury...
Armchair Expert with Dax Shepard
Best of Friday 2024
was the shark's mouth bit me across my thighs and back across my lower abdomen because it's a u-shaped bite so it got me from the right side there's a big gouge just above my right knee and then across my left thigh and then there are teeth marks along my left hip and then a big scar across my belly looks like a c-section scar now but at the time it was filleted open my belly was just wide open
Armchair Expert with Dax Shepard
Best of Friday 2024
The bottom teeth puncture and hold. So across my backside are just a bunch of puncture marks, but the top teeth cut.
Armchair Expert with Dax Shepard
Best of Friday 2024
Ah. Whoa. Oh, my God. They did get me onto the surfboard and I was lying face down on the surfboard and Heath was yelling, grab my heel. So with my left arm, I grabbed his heel. He was lying face down on his board and he starts paddling and pulling me in. Amy, the nurse, realized... that I was going to fall off the board. My legs didn't work. My belly didn't work. I was unconscious.
Armchair Expert with Dax Shepard
Best of Friday 2024
And she left the relative safety of her paddleboard and jumped into the water, got half on the back of the board, holding my legs on the board. And the other half of her is in the water, blood pouring off of me. And she held my legs on the board and kicked while Heath was paddling to get me to the shore. Meanwhile, Paul ever prepared the police officer. He had his phone with him.
Armchair Expert with Dax Shepard
Best of Friday 2024
From the time I started yelling until the time you can see the ambulance on the street, three minutes. Wow.
Armchair Expert with Dax Shepard
Best of Friday 2024
Wow. The city really prioritizes public health, and so they have an ambulance stationed in the middle of the town. It happens to be six blocks from where I was. There's a hospital five miles away, but the taxpayers pay to keep the ambulance close. So I got to thank everybody. But there's another step in between that's equally amazing. They got me to the beach. And of course, I'm bleeding.
Armchair Expert with Dax Shepard
Best of Friday 2024
My left arm is all ripped up, both thighs and my abdomen. I need tourniquets on the beach, vacationing independently. We're two ICU nurses and a doctor. Oh, my God. Doctor from Detroit. ICU nurse from Kansas. ICU nurse from North Carolina. What?
Armchair Expert with Dax Shepard
Best of Friday 2024
It's exactly right. Noelle, we've chatted with her, one of the ICU nurses. She got halfway in the water and sort of accepted the surfboard. There were six or eight people around me as they rolled me over and she saw my leg and she thought, well, he's going to lose the leg. She looked at my face and saw that I was in my 60s and my face, she said, was gray. She thought I would not make it.
Armchair Expert with Dax Shepard
Best of Friday 2024
Yeah, yeah. And she thought, even if you do make it, you're going to be badly brain damaged from lack of blood to the brain. And then she saw my wedding ring and she thought, oh, how terrible for the spouse. Yeah. Then they got me into the ambulance and drove the 28 miles to Natividad Trauma Center.
Armchair Expert with Dax Shepard
Best of Friday 2024
I was on the operating room table with the surgeons ready to go, scalpels in hand, 59 minutes after the shark bite. Wow. Wow.
Armchair Expert with Dax Shepard
Best of Friday 2024
I'm not sure. I do know the anesthesiologist the day after the surgery. He stopped by my room and he said, when I heard that the incoming trauma victim was a 62 year old shark bite victim with massive blood loss, he said, I didn't have a lot of hope for you. But your heart and lungs responded like you were in your 20s. And that's why you survived. I had been doing all this outdoor group exercise.
Armchair Expert with Dax Shepard
Best of Friday 2024
Yes. That really helped. Of course, if I hadn't been exercising, I wouldn't have been out there swimming. It's six half dozen.
Armchair Expert with Dax Shepard
Best of Friday 2024
I was in the hospital for three weeks. I was in the ICU for only one day because the wounds, although they were really bad, They were quite repairable. The surgery took about two hours. They had to just stop the bleeding in my legs.
Armchair Expert with Dax Shepard
Best of Friday 2024
They looked all through my belly and amazingly, it did not break through this sheath called the peritoneum that separates all the muscle and fat and whatnot from the internal organs. So no internal organ damage. There was a chip off of my left femur, but no broken bones. And And amazingly, it missed the big arteries to the leg.
Armchair Expert with Dax Shepard
Best of Friday 2024
According to the surgeon, the big artery that runs down the front of your body into the leg, the iliac artery, he said it missed the artery by a millimeter.
Armchair Expert with Dax Shepard
Best of Friday 2024
It's amazing. The iliac, this artery is literally touching the big nerve that goes down into the leg that you use for your quads. That nerve was completely destroyed. Unusable. My right quads don't work. But the blood vessel that's touching it untouched. And the surgeon said, look, if it had been a millimeter over, you would have bled to death before you got to the beach.
Armchair Expert with Dax Shepard
Best of Friday 2024
Oh, my God. The surgeon who's been a trauma emergency room surgeon for a dozen years said, I'm the luckiest patient he's ever seen. Fuck. Wow.
Armchair Expert with Dax Shepard
Best of Friday 2024
Yeah, I swim at the swimming pool at the community college.
Armchair Expert with Dax Shepard
Best of Friday 2024
Let me give you a sense of how big that shark is. They figured this out by looking at the inter-tooth distance, and the expert says that the shark was 15 feet. I googled that, and it says that's probably 2,000 pounds. No way I'm getting back in that water.
Armchair Expert with Dax Shepard
Best of Friday 2024
I was afraid of that. It's part of why I don't go back in the water. Every now and then I close my eyes, I do see a shark.
Armchair Expert with Dax Shepard
Best of Friday 2024
You're welcome. I do also want to say thank you to the blood donors. In that two-hour operation, I took 28 units of blood, which in round numbers is twice what a body holds.
Armchair Expert with Dax Shepard
Best of Friday 2024
Good attitude. It's been two years and I'm mostly better. I still have some nerve damage in my legs, so they're sort of prickly and I'm on medicine. My right quads don't work at this point. I had some surgery. Maybe it can come back. Don't know. Fingers crossed. In the meantime, I can walk pretty well and I can even ride a bicycle. So I'm doing great. Okay. Wonderful.
Armchair Expert with Dax Shepard
Best of Friday 2024
Now, of course, I live in Monterey, California.
Armchair Expert with Dax Shepard
Best of Friday 2024
Yes, it is. Garden spot of the world. Spectacular.
Armchair Expert with Dax Shepard
Best of Friday 2024
This was end of June in 2022. Oh, recent. It was at the southern end of the Monterey Bay. It was a sunny, clear, beautiful day. No wind, no waves, no chop. So I thought I'll go for an ocean swim. I swim in the ocean for a dozen years and I had retired a year and a half earlier. And that year and a half of retirement, I had organized my life around outdoor group activities.
Armchair Expert with Dax Shepard
Best of Friday 2024
I was running with the Wednesday night laundry runners and I was riding with the velo club and I was swimming with the kelp crawlers. Well, this incredibly gorgeous day, I had to swim. I went to the beach and unfortunately nobody else was there. You'd usually get half a dozen people on a Wednesday morning, but this time I was the only one there. Oh. So I got on my wetsuit and my hat and booties.
Armchair Expert with Dax Shepard
Best of Friday 2024
It's very cold. The water's 55 degrees. Got in the water and the beach is about 100 yards wide. And as I started to swim out from the beach, there's a jetty on the left. Sticks out about 75 yards. And I went out around that jetty and I went to the left and hugged the coast around Lover's Point. Now, before you get too many ideas about Lover's Point, its full name is Lovers of Jesus Point. Oh, wow.
Armchair Expert with Dax Shepard
Best of Friday 2024
I went about three quarters of a mile, hugging the coast the whole way. And then I turned around, came swimming back. No waves, no chop. When it's sunny, you see all the kelp and the fish and all the seagrasses flowing back and forth and the sea stars. It's just gorgeous. Do you see seals out there ever? You do. Seals sometimes like to swim under you, which can be a little disconcerting.
Armchair Expert with Dax Shepard
Best of Friday 2024
You're swimming along and there's this gray shape that all of a sudden appears under you. Yeah, because don't they hunt within the sea kelp? They absolutely do. And I came back around the point and I'm heading towards the jetty. When all of a sudden, wham, just out of nowhere, I just got tossed up in the air and turned and I didn't know what was going on.
Armchair Expert with Dax Shepard
Best of Friday 2024
And then I was plunged back into the water. I look and I am arm's length from the enormous head of a great white shark. No, no, no, no. The water there is about 20 feet deep and the shark came from below and grabbed me and fully breached up into the air. You've seen photos of a great white with a seal in its mouth. Yes. But it's breaches out of the water. That was me. No. Oh, my God.
Armchair Expert with Dax Shepard
Best of Friday 2024
I didn't know all that at the time. There were people on the beach who saw it. So some of this is reconstructed later. But pull it back down under the water. And then it spit me out. What? Do you think because of the wetsuit? Turns out great whites will oftentimes bite the prey and then back off and let it bleed to death.
Armchair Expert with Dax Shepard
Best of Friday 2024
You can imagine they eat seals and sea lions and elephant seals. These things have teeth and they have claws and they can fight back. So oftentimes they'll let the thing bleed. All I know for sure, I was underwater, maybe, I don't know, five feet, I'm guessing. I could see light. So I knew which way it was up.
Armchair Expert with Dax Shepard
Best of Friday 2024
Fortunately, I had air in my lungs, probably because it lifted me into the air and I got a good breath. I don't know. And then it was right there, arm's length away from me, the left side of its head. And I can't tell you how enormous this thing is. I'm looking at that black eye and you can see this white and gray body and its teeth from its lower jaw.
Armchair Expert with Dax Shepard
Best of Friday 2024
sticking up, I could see it's bobbing its head back and forth as if it was deciding whether to bite me again or not.
Armchair Expert with Dax Shepard
Best of Friday 2024
I instantly knew I'm a docent at the Monterey Bay Aquarium. I show people hammerheads and seven gill sharks and all these things. I knew it was a great white.
Armchair Expert with Dax Shepard
Best of Friday 2024
No, I was calm. I knew I was very badly hurt. I didn't know exactly where it had bit me yet. But looking at it, I was thinking, hey, I taste of neoprene. I'm wearing a white hat and goggles. I'm not a seal. I am not your food. Please don't bite me again. And at that point, I thought, I'm going to punch it. Ah, yeah, yeah. My fist didn't quite reach its lower jaw.
Armchair Expert with Dax Shepard
Best of Friday 2024
But when I stuck out my fingers, I jabbed and hit its lower jaw.
Divided Argument
Reference Check
Yeah. Right after Garland, Attorney General. It's Court of Appeals.
The Matt Walsh Show
Ep. 1506 - Why Derek Chauvin Deserves a New Trial (And Will Win It)
From a flat earth point of view, I've always been mindful that the government isn't always truthful and that's been with me for years. When I was age 20 I read a book by Vance Packard called Hidden Persuaders which opened my eyes to the invisible forces that are controlling how we think and
The Matt Walsh Show
Ep. 1506 - Why Derek Chauvin Deserves a New Trial (And Will Win It)
You know, from the top of North America, a couple of thousand miles, it changes two hours, another couple of thousand miles, another two hours. Then you get down to Yeshua and then you get onto Drake's passage in the ship and it leaps 16 hours. over across 500 miles. I think 600 miles maximum between Yeshua and when you get to Antarctica, supposed continent of Antarctica. So it's a mind game.
The Matt Walsh Show
Ep. 1506 - Why Derek Chauvin Deserves a New Trial (And Will Win It)
It's a mind F if you don't, you know, they get on the boat and so they'll be looking up at the sun and they'll look at their clock and they go, my goodness me, what a magical place, you know, and it's not magical at all. It's basic common sense. I'm asking
The Matt Walsh Show
Ep. 1506 - Why Derek Chauvin Deserves a New Trial (And Will Win It)
a question of the powers that be, please really explain to me why you have made the time zones go two hours, two hours every few thousand miles, get down to Yeshua, then it's a 16 hour. time zone difference. What's that all about? Why?
The MeidasTouch Podcast
Democratic Congressman Neguse on GOP Disaster CR
Last week, all Americans who watched the State of the Union saw a very triumphant President Trump who's returned to the White House with even more energy, more vigor, and more focus to work for the American people than ever before. Laying out in just six short weeks how much he's already done to fulfill the promises.
The MeidasTouch Podcast
MeidasTouch Full Podcast - 2/17/25
Here, play this clip. When we saw him take that victory lap of sorts going around the track, he seemed to be digging it.
The MeidasTouch Podcast
Desperate Fox News Flips Out on Air as Trump Cracks
So I think there have been some breakthroughs. I would commend President Putin for all he did today on that call to move his country close to a final peace deal. And I would say and I would give all the credit to President Trump, his election, peace through strength. The perception that there are no alternatives, that a good peace, a lasting peace, a durable peace is important for both sides.
The MeidasTouch Podcast
Desperate Fox News Flips Out on Air as Trump Cracks
And the president was, you know, it's I can't I can't understate or I can't pardon me. I can't overstate how compelling he was on this call. He was he was he's a natural born leader, Sean, and he demonstrated that today.
The MeidasTouch Podcast
Fox News Implodes on Air as Guests Backfire
I feel that he wants peace. The president had two very productive calls this week or last week, I should say, one with President Zelensky, one with President Putin. I was in I sat and listened to both of them in both conversations. It was all about a lasting peace. Lots of progress got made last week.
The MeidasTouch Podcast
Fox News Implodes on Air as Guests Backfire
I think in my 68 years on this earth, I've never, ever seen a situation where there isn't two sides to a story. It's just never as black and white as people want to portray. So there are grievances on both sides, but our job, and at the direction, again, I stress, of the president, our job is to narrow the issues, bring the parties together, and stop the killing. That's the game plan.
The MeidasTouch Podcast
Fox News Implodes on Air as Guests Backfire
And that's what we're all there to do. And I think that we're doing a pretty effective job of it. And I think you'll see a lot more progress get announced after Monday.
The MeidasTouch Podcast
Fox News Implodes on Air as Guests Backfire
Play this clip. I've been asked my opinion about what President Putin's motives are on a larger scale. And I simply have said that I just don't see that he wants to take all of Europe. This is a much different situation than it was in World War II.
The MeidasTouch Podcast
Trump Blows Up Term Quickly and Throws a Party
Yeah, Kristen, and you get to it. Let's just start with Trump himself, that 47% job approval rating. Two ways of looking at this. First of all, if you compare Trump to every recent president this point after coming into office, Trump's number here is the lowest, significantly the lowest of any of his modern predecessors, except Donald Trump in his first term. He was at 40% at this point in 2017.
The MeidasTouch Podcast
Trump Blows Up Term Quickly and Throws a Party
Joining us is Forbes media chairman and editor in chief, Steve Forbes. Welcome, Mr. Forbes. I actually stopped looking at the market. I've been watching Silence of the Lambs. Yes, sir, you too. I've been watching Silence of the Lambs because it's less scary for me than looking at the stock market.
The MeidasTouch Podcast
Trump Blows Up Term Quickly and Throws a Party
Now we have President Trump back. He has a great team in place. He has willing partners in the House and Senate, unified government. The adults are back in the room, okay? And we are going to turn this economy around. We need a little runway to do it. I keep using this metaphor of an aircraft carrier. You know, it took decades to get into the mess that we're in.
The MeidasTouch Podcast
Trump Blows Up Term Quickly and Throws a Party
You don't turn an aircraft carrier on a dime, but you need miles of open ocean to do it. But we have begun that turn.
The MeidasTouch Podcast
Trump Blows Up Term Quickly and Throws a Party
Ask you about something that you actually said last week and we'll discuss it on the other side. Take a look.
The MeidasTouch Podcast
Trump Blows Up Term Quickly and Throws a Party
Mr. Secretary, are you there essentially saying that the Trump administration is comfortable to have consumers pay more for goods in America?
The MeidasTouch Podcast
The Florida Special Election That Has MAGA Terrified (Josh Weil Interview)
Is he really hiding behind the desk? Under the desk? Wow.
The MeidasTouch Podcast
The Florida Special Election That Has MAGA Terrified (Josh Weil Interview)
I'm old enough to remember when he won in November by 30 points. We have a candidate that I don't think is winning. That's an issue.
The NPR Politics Podcast
How DOGE Cuts Are Impacting Federal Workers
This is Steve from Rockwell Center, New York. I'm in my roomette on the Amtrak Silver Meteor, heading from New York to Miami.
The NPR Politics Podcast
How DOGE Cuts Are Impacting Federal Workers
This podcast was recorded at... 11.36 a.m.
The NPR Politics Podcast
How DOGE Cuts Are Impacting Federal Workers
Things may have changed by the time you hear this, but I will be cruising the Caribbean on the big nude boat. Enjoy the show.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
I mean, they should have about $80,000, so... I would hope they could live on that for Social Security and, you know, odds and ends of jobs and my dad.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
I'm okay with not taking any rent, but...
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Hey, guys. Thanks for taking the phone call today. Sure. What's up? So I found out in the last week or so that my parents' house is in the process of getting foreclosed on. And my question is, should I buy the mortgage out and find out some rental agreement for them to continue living there. I just think it would be easier twofold.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
One, it's a decent investment opportunity, and second off, I think it's an easier process as they're aging to stay in the house they've been in for 30 years almost and not worry about moving and trying to find a place and everything else. They're comfortable where they're at.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
So that's another story I'm trying to unravel. I will say my dad has been plagued with identity fraud for the last three or four years. I mean, it's like he'll get a debit card in the mail and then within three or four days, he's got charges from California and Colorado and Mexico and everything else. So Something, something's weird going on.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
I know, you know, my sister had a boyfriend living in the house with them and then they, you know, allegedly he had hacked the system and put a virus in it. I don't know. I'm working with, um, some specialty companies trying to figure out if that's what's happening or. I don't know.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
They haven't made the best financial choices in their lives, and they're both turning 65 this year, so they can start collecting some security, which isn't much money, but it's something. Wow. George, I was already nervous.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Right. So I can say I've been very blessed. Um, you know, we, my husband and I don't have any debt other than a small auto loan that I just had to buy and wasn't part of our investment portfolio. Um, so we would be able to pay cash for the remaining balance of the house, which is about $120,000. The house is worth about three 50 to three 80. It's in a decent neighborhood where I grew up.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Oh, no. We don't have any debt except for an auto loan. We have no mortgage. We have another investment property that's paid off. Our annual income is about $350,000 a year.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
Hopefully. What could you buy it for? I'm not sure what stage they're at. My dad just sent me the payoff letter, and like I said, it's about $113,000 left on the house, and then late fees and taxes and all this other stuff, they rolled into the payoffs of $120,000.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
No, actually, both of them are very on board with doing this. They don't have money.
The Ramsey Show
Getting Your House In Order Is The First Step To Financial Success
It's a lot, but there is... My grandma passed away years ago, and they got some money from her. And the issue is they maybe could pay off the house with that, but then they have nothing to live on. So I'm like, well, if I pay the house off, you have enough money to pay your electric bill, your insurance, and everything else along with the... For how long?
The Ramsey Show
Don’t Become a Victim of Your Circumstances
uh steven is up next in little rock arkansas steven how can george and i help hey can y'all hear me loud and clear sir okay um so i'm trying to get out of debt and i lost my like the best paying job i ever had i was making 100k oh and then what happened and what were you doing i was driving a truck and due to unforeseen circumstances i lost my job okay
The Ramsey Show
Don’t Become a Victim of Your Circumstances
And so my new career, it's still driving a truck, but it's about, I got a huge pay cut.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
I can't really go over the road. I hate saying that, but my anxiety is really bad. Okay.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Do you need to find a new career field? Yeah. No, this is the only thing I've ever been good at.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Oh, then I must have done my math right. I'm making $18.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Me and my wife together have around $24,500. In debt? Yes. Break it down for us. Okay, the... Credit cards around $1,500. The two personal loans of one's $2,500, the other one's $1,500. And there's a car that's, I think, around $1,500 and a building that's around $1,500. And the rest is the student loan of my wife's.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
She is an occupational therapist or something like that. Is she working 40 hours a week? She's an activities director. Got you. She's an activities director at a nursing home.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
We're both looking for jobs. One thing I do on the side that I'm really passionate about is on Sundays after church, I go and preach to elderly at nursing homes because they're lonely and need people to talk to. That's another reason I don't want to really go over the road to. What's that pay you? It don't. That's voluntary.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
The only thing is our daughter loves beans too much now, so we can't help it out.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
Yeah. So, so basically we started out Ramsey-ish about five years ago. We started paying off our consumer debt, but then we kept a credit card and we still, we weren't budgeting at the time. But that all changed about three years ago when I quit my job. So I was in a really toxic work environment. I had a really rough boss and it was really impacting my health.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
So I was trying to look for other jobs, but it just wasn't happening quick enough. And I had a panic attack and I said, you know what, we have an emergency fund, That's it.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
But a few weeks later, I got another job. And it was about a $30,000 pay cut. So at that point, we knew we needed to get dialed in. We needed to start budgeting. I cut up the credit card. And we were just intentional throughout that time. And then we got pregnant with our Cecilia, which we'll meet shortly. And she was in the NICU for a few weeks. I came early. Yeah, she was five weeks early. Sweet.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
Thanks to God and our family and friends and the fact that we had financial stability, we were able to get through it. And then ever since then, on our parental leaves, we actually both got better jobs and better paying jobs. And that's why you see that big jump. And I actually ended up going back to the company that I originally left because that manager was gone. It's great.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
Yes. Yes. And that's always hard, too, because you're like, this is amazing. You want everyone to do it, but... Yeah, they have to figure it out themselves. So hopefully this will help.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
Feels good. Feels really good. Weightless. Yeah. I mean, it's nice to have options and just, you know, be able to take control of your life. Right. And do what you need to do, what you want to do. So, yeah. And I mean, we have only had a couple of months and we had a big tax bill due. Yeah. So we haven't felt it 100 percent yet, but it's coming. It's coming. For sure. For sure. Wow.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
that's really impacted our marriage too for sure no more money fights we're both on the same page um and also i think just because it's a no right now doesn't mean it's a never i think that's been really and even with job stuff with life i think that really carries through yeah yes which is a long-term mindset which is so hard for people because they don't want the present pain right yeah exactly looking forward okay so how old cecilia now she's almost two is she okay oh did you bring her with you
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
What was your range of income during that time? We started at $331,000 and finished this year at $391,000. Wow. What did you do for a living? I'm in sales.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
Well, it actually started for us 15 years ago. We were buried in debt. I had a good friend of mine who reached out to us and sent us a copy of the Total Money Makeover. Katie read it right away. She became Davish. And I was so hopeless at the time. I put the book in the closet, didn't touch it for two years. Two years later, I started to read the book.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
and it was the first time that i actually had hope that we could get out of debt and get on track so we started budgeting and put a plan together and thanks be to god he is so generous and so faithful that as we started managing money the way that he wanted it seemed like he just blessed us with more money to manage
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
So fast forward to last year, our oldest is 17, and we started talking about, could we have the house paid off before she went off to college? And so we just started talking about that.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
It's been wonderful. It's really taught us to communicate with each other. We discuss all of our purchases. We have monthly date nights.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
Well, we actually have some family here today, and we have friends that we've actually brought along on the journey and introduced to financial peace. And Katie and I get pretty competitive, and they started paying their homes off. And so we thought we needed to get on board too.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
I would tell them that once the debt is gone, you just don't realize the weight that is lifted off your shoulders. It's just a great feeling. And you don't realize it until it happens.
The Ramsey Show
Your Life Is More Than Just a Set of Numbers
Adeline is 17. Eleanor, 9. Sophia is 14. And Vivian, 15.
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
Yeah, hi. I appreciate you taking my call. So my wife and I are discussing whether we should be paying off the house. It's pretty much our last debt that we have. And current mortgage, I owe about $175,000 and the rate is at 2.79%. We have $420,000 roughly in a 401k and about another $400,000 in money market CDs.
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
And so, um, I would like to keep it in the 401k, I'm sorry, in the, in the money market and the CDs, uh, and get about four and a half percent off of that and just apply the overage towards them towards the mortgage payment. Uh, and my wife is looking to, uh, to take it out of there and just, just pay it off, be done with it. Let's not worry about the house.
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
Um, so try to figure out, you know, financially what the best direction is to go.
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
Yeah. Yeah. So keep the one 75, you know, the full 400 in there. Cause I'll be earning at a little bit higher rate than the 2.79. It's costing us for the mortgage.
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
Yeah, I guess I didn't really do the math close enough to be able to throw a number on the spot.
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
So $400,000, four and a half, so would that be $12,000? Am I doing that right?
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
About $1,700, but that's with insurance and taxes. I think principal and interest is maybe $900, I want to say, of that.
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
Absolutely. And that's part of, uh, so you had, you had asked her or said like, why is there so much in the money market? So we had, uh, a pretty good chunk of money that we came into about two and a half years ago, I want to say it was at this point and put it in the market. And then the market continued to decline.
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
I did probably the worst thing ever, which is, you know, put it in and take it back out. And so we had some, we had some other like personal things going on in our life that said, okay, we need to We need to minimize the risk of any further loss on this. So we pulled it out and threw it in like a CD ladder for about the last year and a half is what I pulled it out.
The Ramsey Show
Stop Letting Excuses Steal Your Wealth
So basically I put it in right when it started going down and then, and then I took it out right as it started coming back up. So worst possible timing.
Young and Profiting (YAP) with Hala Taha
Hala Taha: AI-Powered Sales, How to Automate, Optimize, and Close More Deals | Sales
Absolutely. And this is a concept that I really resonated with because In football, this is what we were trained to do. Read the situation. Read and react. Read and react. There's lots of clues. And you're looking for the clues. You just have to know what you're looking for. No one knew that there was a favorite and a fool. The moment you start looking for the clues, they're all over the place.
Young and Profiting (YAP) with Hala Taha
Hala Taha: AI-Powered Sales, How to Automate, Optimize, and Close More Deals | Sales
It's not a sin to lose business. It's a sin to take a long time losing business. And the real reason why real estate agents work seven days a week is because they don't work five. If they actually work five days a week, actually work, rather than spending time chasing after business they're not going to get, they wouldn't have to work seven days a week. They wouldn't have to be on call 24-7.
Young and Profiting with Hala Taha (Entrepreneurship, Sales, Marketing)
Hala Taha: AI-Powered Sales, How to Automate, Optimize, and Close More Deals | Sales
Absolutely. And this is a concept that I really resonated with because In football, this is what we were trained to do. Read the situation. Read and react. Read and react. There's lots of clues. And you're looking for the clues. You just have to know what you're looking for. No one knew that there was a favorite and a fool. The moment you start looking for the clues, they're all over the place.
Young and Profiting with Hala Taha (Entrepreneurship, Sales, Marketing)
Hala Taha: AI-Powered Sales, How to Automate, Optimize, and Close More Deals | Sales
It's not a sin to lose business. It's a sin to take a long time losing business. And the real reason why real estate agents work seven days a week is because they don't work five. If they actually work five days a week, actually work, rather than spending time chasing after business they're not going to get, they wouldn't have to work seven days a week. They wouldn't have to be on call 24-7.
Your Mom's House with Christina P. and Tom Segura
The High and Tight 800th Episode | Your Mom's House Ep. 800
He's the only dad I've ever known. It kind of makes you think of Stevie.
Your Mom's House with Christina P. and Tom Segura
The High and Tight 800th Episode | Your Mom's House Ep. 800
Yeah, yeah. That's where I get my name, Snake, from. I ain't afraid of him. Never have been, except when I was a kid. Yeah. People gets mad. They get over it. You know, they realize stuff later on down the road.