Timothy Plan Ad Voice

Okay.

I agree.

Holy smokes.

Yeah.

There you go. There are things.

All right, this is getting weird over there, guys. What do we do?

Good afternoon. Thank you for taking my call. I just had a question. I wanted some help on determining how do you figure out if you're a candidate for long-term health care?

Well, my wife and I just retired this past June. And we're not sure at what point are you comfortable with or would we be comfortable with being self-sufficient as far as self-insuring? That's the answer. Oh, I'm sorry. I didn't hear you.

Well, as far as health, we're both very healthy. I am 60. My wife is 57. And we live a pretty active life. And as far as financing and stuff, we probably have about $1.7 million in stocks and bonds and stuff like that. Uh, not including our house, which is probably valued at about $300,000. And, you know, we probably have about $2,000 in cash just in the local bank. Um, we are debt free.

We don't own, uh, you know, we don't owe anything on anything.

About 1.7 million.

Yeah. And as far as like our health insurance, I'm a retired teacher. So our health insurance, we pay about $350 maybe a month to cover my wife and I for the rest of our life. Amazing.

Hold on.

She was in property management. And so, yeah, I taught elementary and she was in property management.

Probably around, oh, maybe about $170,000. Yeah, very cool.

Yeah, and I mean, we just got to the point where we doubled down on our house payment. When we bought our last house, we did a very short mortgage, and we just doubled up on everything. That's awesome, man.

Well, we weren't, weren't really sure. We had just started to check into it probably the last two weeks. Um, we've talked to like one of our financial advisors. Um, she gave us some options to go.

And I guess one of the questions that I wanted to ask you guys is, um, some of the people that we had talked to had recommended, uh, like a life insurance policy with the writer and then some of them were like strictly life insurance. And when we got thinking about it, some of the policies, Basically, if you didn't use them for long-term health care, you had no money at the end of the policy.

You basically paid into it, but you have nothing.

Okay, and that's what I wanted to ask you because one of the policies worked like you could either pay, you know, like a chunk of like $50,000 right up front.

Um, we have not run the numbers. I mean, we just, like I said, we just started looking into it and we've had a couple of people, people quote us, um, different numbers. Um, one of them, you know, was about five grand a year. Um, and then again, one of them said, you know, you could pay a lump sum of 50 grand and never pay again in the rest of your life.

But then they tried to tell us the advantage to that was- No, Tim, we keep going back.

There's a time in your life and in the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus, rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.

Churchill is Ramsey trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense.

Now it's extra money in your pocket and an asset towards turning you into a baby steps millionaire. So get started on the American dream of home ownership today at churchhillmortgage.com. That's churchhillmortgage.com.

As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.

As the pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.

So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you. Or visit timothyplan.com for more information. Investing includes risk, including possible loss of principal.

Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.

Yes, I have, George. Sketchy and never trust them.

Yeah, they do. Delete.me actually goes in and removes your information from data broker websites. And it is an incredible service that everyone needs.

That's right. And then once they remove your information, then they're going to send you a detailed report telling you where they found your information, when they removed it, how many hours they've saved you. I mean, it is incredible. So detailed and it's beautiful.

Absolutely amazing. And Winston and I now get fewer texts, weird emails, spam calls, all of it.

It's amazing. So again, that's joindeleteme.com slash Ramsey. Make sure to check it out, you guys.

That's fair.

I hate to admit this, but I don't always eat right. I know I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.

Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.

So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.

Listen, people, what you call organized chaos is still chaos. This year, build some room in your budget to get your life really organized. One tool that I recommend is a knockbox. As in next of kin, knockbox is a complete system that helps you organize important documents, accounts, IDs, tax returns, insurance policies, estate plans, and other personal history in one secure place.

The 15 categories in your knockbox cover everything from health history and investments to your ancestry and even collectibles. So cut the clutter with a knockbox. Start getting organized today and receive an exclusive discount at knockbox.com slash Ramsey. That's N-O-K box.com slash Ramsey.

Taking care of your health doesn't have to cost a fortune. That's why Field of Greens is in my house. Field of Greens is made from fruits and veggies selected by doctors to support your heart, liver, kidneys, and metabolism. And here's the best part. They're so confident your doctor will notice your improved health, they offer a money-back guarantee, no questions asked.

Try today and get 15% off at fieldofgreens.com slash Ramsey. Promo code Ramsey. fieldofgreens.com slash Ramsey.

People tell me about their experiences with big banks all the time. Bad service, fees that nickel and dime them to death, and predatory lending that tries to catch them in never-ending cycles of debt. So if you're ready for a bank that puts people over profits, check out Fairwinds Credit Union. I recommend Fairwinds because they share our Ramsey values of helping people

Get out of debt and live generously. If you go to fairwinds.org slash Ramsey, you'll see the combined checking and savings account bundle they created just for Ramsey fans. This account bundle is designed to help you take control of your finances and stay out of debt. And Fairwinds also has a great mobile app that's safe and secure for so you can manage your transactions with peace of mind.

Fairwinds has been helping people avoid big bank traps for 75 years. So go to fairwinds.org slash Ramsey to learn more. It's easy to join, no matter where you live. That's F-A-I-R-W-I-N-D-S dot org slash Ramsey. If your holiday ham tends to last longer than your New Year's resolutions, then I got a fresh challenge for you.

Make this the year you take control of your financial future with an actionable plan. Sound intimidating? You don't have to do it alone. SmartVestor Pros are financial advisors who can walk you through what you need to know about retirement planning, wealth management, and anything in between. Find a pro near you at ramseysolutions.com slash smartvestor.

Ramsey Solutions is a paid, non-client promoter of participating pros.

What does the future hold for business? Ask nine experts and you'll get 10 different answers. Economic growth or a recession. Business taxes will go up or down. AI will help us work or it will replace us all. But there's no such thing as a crystal ball.

That's why more than 40,000 businesses have future-proofed themselves with NetSuite by Oracle, the number one cloud enterprise resource planning system. Ramsey Solutions uses NetSuite, and you should too. Whether your company's earning millions or even hundreds of millions, NetSuite helps you respond to immediate challenges and seize your biggest opportunities.

With one unified business management suite, there's only one source of truth for the visibility and control you need to make quick decisions. NetSuite's real-time insights and forecasting help you see into the future with actionable data. And when you're closing the books in days, not weeks, you can spend less time looking backward and more time focusing on what's next.

And speaking of what's next, download the CFO's Guide to AI and Machine Learning at netsuite.com slash ramsey. It's free at netsuite.com slash ramsey.

Hey, Dave Ramsey here. Dr. John Deloney and I are coming to a city near you on the Money and Relationships Tour. You, the audience, will vote to choose the topics we talk about, things that impact your life, like investing in your future, money, stress, and marriage, and more. We're coming to Louisville, Durham, Atlanta, Kansas City, Fort Worth, and Phoenix in April and May 2025.

Tickets are at their lowest price right now. Grab yours at ramseysolutions.com slash tours.

You know, every year I hear the same excuses for why people don't get the life insurance they need to protect their families. So this year, let's clear the air and look at the facts. Most people are concerned about price, but term life rates have never been lower. Having 10 to 12 times your income on a 15 or 20 year plan is in many cases just plain cheap.

Second, life insurance through your work is not enough. especially since these plans go away if you change jobs. You need to have your own policy so you're not without protection when your family really needs it. Third, stay-at-home parents need life insurance, especially those with young kids. People don't realize how quickly the costs add up without someone at home taking care of things.

So no more excuses, folks. Get the protection your family needs. Go to zander.com or call 800-356-4255. They've been my choice for all my insurance for over 25 years and are the only people I trust.

As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.

As a pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.

So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you or visit timothyplan.com for more information. Investing includes risk, including possible loss of principal.

Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.

We'll be right back. I recommend contacting my friends at Laurel Road today. Through their online application, you can get an initial rate quote in less than five minutes. And if you have a more complex situation, you can schedule 30 minutes to talk to an actual human being. Thank goodness. Laurel Road makes it simple.

There are no fees involved and you could save thousands over the life of your loan. Remember... You should only refinance if it makes sense in your situation.

So if you're looking for a low rate or a shorter term so that you can pay off these student loans fast, talk to my friends at Laurel Road about their competitive interest rates and how you could actually get a lower rate by signing up for auto pay. Listen, nobody's coming to save you from your student loan debt. If you want it gone, you can't mess around.

Go to laurelroad.com slash Ramsey to find out more about student loan refinancing. Again, that's laurelroad.com slash Ramsey.

Nationally syndicated talk radio host Dave Ramsey has often said that there is no magic pill for getting out of debt. Well, sorry, Mr. Ramsey, but there is. And it's called Detanol. Detanol is a 100% all-natural drug that is guaranteed to control your spending and control your desire to overspend. One pill a day, and you will no longer feel the need to spend money you don't have.

We have created this drug because we care about you. Detanol, the pill that cares. Minor side effects may include fatigue, headache, nervousness, sore throat, explosive diarrhea, insomnia, drowsiness, horrible nightmares, gastronomical trauma, hallucinations, chronic halitosis, a slight cough, and a runny nose. Detanol, brought to you by the Credit Card Association of America.

credit the easy way.

You spent years trying to get everything just right for your family. Now you need an easy way to make sure your important financial documents are as organized as the rest of your house. Well, good news. Knockbox, that's N-O-K box, as in next of kin box, is a complete system that helps you be sure that you leave happy memories, not a mess, when you pass away.

Knockbox is a simple way to organize important paper and digital documents, IDs, tax returns, insurance policies, estate plans, accounts, and other personal history in one manageable place. Your family will feel your love in every detail you take care of. So start taking care of them at knockbox.com slash Ramsey. A well-organized legacy is a gift to your family. That's knockbox.com slash Ramsey.

There's a time in your life and at the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus, rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.

Churchill is Ramsey Trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense.

Now it's extra money in your pocket and an asset towards turning you into a Baby Steps millionaire. So get started on the American dream of home ownership today at churchillmortgage.com. That's churchillmortgage.com.

I thought you were going to have to phone a friend and see if George would say to sell the donkeys.

This show is sponsored by BetterHelp. All right, so I was born and raised in Texas, and I love the myth of the lone cowboy. You know, the guy who doesn't need anyone or anything. It's a fun story, and it's a lie. In our self-obsessed society, we're obsessed about our own diets, our own workout routines, our own jobs, our own social media feeds, everything.

It's easy to forget that no one can do life alone. And I don't care if you're an introvert, an extrovert, or whatever you want to call yourself, we all have to have a community and a support system to do life with. It's time to shift the focus from doing it all by ourselves to knowing that we can only be well and whole when we ask for help.

Therapy can be a great source of help and support for any area of your life. And if you're thinking about starting therapy, try BetterHelp. BetterHelp is 100% online therapy so it can fit with your schedule. To get started, just fill out a short online survey to get matched with a licensed therapist. And if it's not the right fit, you can switch therapists at any time for no extra cost.

This month, start to build your support system with BetterHelp. Visit BetterHelp.com slash Deloney to get 10% off your first month. That's BetterHelp, H-E-L-P dot com slash Deloney.

We'll be right back. I recommend contacting my friends at Laurel Road today. Through their online application, you can get an initial rate quote in less than five minutes. And if you have a more complex situation, you can schedule 30 minutes to talk to an actual human being. Thank goodness. Laurel Road makes it simple.

There are no fees involved, and you could save thousands over the life of your loan. Remember... You should only refinance if it makes sense in your situation.

So if you're looking for a low rate or a shorter term so that you can pay off these student loans fast, talk to my friends at Laurel Road about their competitive interest rates and how you could actually get a lower rate by signing up for auto pay. Listen, nobody's coming to save you from your student loan debt. If you want it gone, you can't mess around.

Go to laurelroad.com slash Ramsey to find out more about student loan refinancing. Again, that's laurelroad.com slash Ramsey.

This show is sponsored by BetterHelp. All right, you've heard me say it a thousand times, and I'm gonna keep saying it. You're worth being well. And listen, therapy can help. I see a therapist, and let's be honest, a lot of you should too. But let's be real, taking that first step to see a therapist can feel overwhelming. Maybe it's the time.

Maybe you have some preconceived notions about therapy. Maybe it's the cost. But we spend money on gym memberships, organic groceries, essential oils, Little League practices, tracker watches. But for some reason, when it comes to our mental and emotional well-being, we hesitate. Your mental and emotional health are just as important as your physical health. And the good news?

BetterHelp makes therapy more affordable and convenient than ever. It's online so you can talk with your therapist when it works for your schedule. No more waiting rooms, no long commutes, and no six-month waiting lists. You just get online and fill out a short survey to get matched with a licensed therapist. And if it's not the right fit, you can switch at any time for no extra cost.

Your well-being is worth it. Visit BetterHelp.com to get started. That's BetterHelp.com.

Okay. You got it? Yeah. Would you recommend what they were saying with like, you know, living at home for a little bit and then giving them money? Or would you say like, get on my own?

Wow.

It's great, man. Well, I appreciate everything you have to do. I've been phoning you since I was 18. I just turned 19 not too long ago. So I'm freaking out right now. Uh-oh. What are you freaking out about? Everybody likes to share a little bit of details of their input on life and everything that's going on. And I'm really, really, really trying to get a place to live.

I'm going to be proposing to my girl soon. So I'm trying to figure out whether I'm renting or buying. I'd really like to buy, but I'm trying to follow you guys as much as I can. And I don't want to have a credit score or a credit card, but I've called too many people.

Yeah, like I said, I'm proposing to my girl soon, so that's the main one. I mean, I have like a year to figure this all out, but I'm just trying to figure out.

No, there's no law. No, no, I just don't know. Like, I want to be putting as much as I can into savings, right? So I don't know if I should be, how long I should be renting for if I should. Like, I know I'm okay to do that, but.

Yeah, yeah. I'm debt-free. I'm working for an amazing company that they'll pay for me to go to school if I want to. I'm going to pursue a career in home adjusting, and they'll pay for me to do that, too. Great. What's your income? Income right now is about $35,000. I work two jobs. I work at a restaurant.

Savings right now, I have about... $15,000 in my regular savings fund, and then I have $4,000 in retirement and a couple thousand in my emergency fund.

No, that's just for the house. I actually have a fund for a ring.

Okay.

Right now, I know it's lower, but I mean, right now it's about like a thousand and some change a month.

Sure, we could do that.

Right.

Yeah. Yeah, I've been saving up for that one for a while. I have about like $3,000 ready for that. Perfect. That's all ready to go.

Yeah, I'm terrified. I keep hearing stuff. People keep telling me higher interest rates. Even though I can do manual underwriting, but then they'll be like, yeah, I expect higher interest rates, but I don't know.

Yeah, insurance.

Yeah, and they suggested what I could do is I could pay a little bit of money. I have a track record to my mom and dad. Exactly.

That's it.

No children.

Hey, good afternoon. I'm so glad I made it on the line with you guys. Oh, I'm so glad you called. How are you? I'm doing well.

He's going to have to buy you out.

And

I'm well. So I've just been doing research with my financials, and then I came across George Camel on YouTube, and then that's how I saw the Randy show. Yeah, you got to love George.

Yes, sir. He's very amusing on YouTube. So if you guys ever see him, please give him a thank you for how humorous he is.

How can we help? My, uh, my question is I, so with the baby steps, I feel like I'm in limbo between baby step two and baby step three. I, I have $6,000 right now in my HYSA. So I feel step one is definitely complete. So my financial situation, my wife and I, we closed on a home in June of 2023 out in California. Our mortgage is, uh,

Sorry, expense-wise, we're stocking away $5,200 a month into another HYSA to cover the mortgage, property taxes, and insurance.

No, I'm moving out to California. You're moving out to California.

So that's the mortgage there. And then I have non-traditional student loans. My parents had a 529 plan for me and my siblings. And they want half of the money back of what they totally spent for my college university. And then...

Correct.

They only want 50% back of what my costs were. Which is what? Which is $75,000 now.

No, this was when I was a teenager in high school.

Yes.

No, no, no. I moved from baby step one. And now I feel like I'm in limbo between baby step two and baby step three.

The, yeah, for the, so we, when my wife and I closed on our home, we don't have PMI. So we, The other 10% came from a loan from her parents.

That now I believe is, I think it's $50,000 now. Ooh, sir. Okay.

My gross salary last year was 137 and I'm predicting it. It'll go up. It's not a predictable, it's predictable in that the salary will increase, but it's not a predictable number per year. What about your wife? She's predictable at around, I think her gross last year was $80,000.

That sounds about correct with our gross income for last year.

The mortgage is $4,252 a month. Okay. And then we also sock away extra money. Property taxes are now increasing. It was... It's about eighty four hundred dollars a year now. And then California does its two percent increase from Prop 13.

And then we also sock away extra money for the insurance. I have a question. Last year was.

Yeah, I think it's about 50% to 60%.

I know it's supposed to be 25%.

I have, but now I've accepted the terms of it and I feel relaxed because of the nature of my job. I feel content that my wife, she is 20 minutes away from her parents. In the nature of my job, I'm gone for two weeks at a time, so emotionally I feel okay because I know she has somebody to rely on while I'm gone.

I've come to terms with it and accepted it.

I hate to admit this, but I don't always eat right. I know I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.

Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.

So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.

Possibly, yeah.

Well, credit unions, for one thing, are non-profit, which means that the members, the customers, own the credit union. So any profits that the credit union makes goes back into customer accounts. pricing. So you get better interest rate on savings, cheaper checking, and so on, that kind of thing.

But what's more important than that, though, is the fact that the customer is the owner changes the spirit on the credit union. So I find very few credit unions that aren't very customer-centric.

They're the right kind of people with the right kind of values. And they've done a really, really good job with customer service. And the deals that they're offering, the Ramsey tribe is incredible.

Hey, you guys know how much I hate banks in general. And so for me to do this is a big deal. Talk to our friends at Fairwinds and check out the combined checking and savings bundle that they created just for the Ramsey tribe. You guys, it's incredible.

Rachel, do you ever get these sketchy text messages that are like, hey, you need to update your address and verify so we can get you the package you didn't order?

And that's why we recommend Delete.me. They help with that.

And there's a lot of shady companies out there that solely exist to sell your personal data to bad guys. And that means your info, like your email address, your home address, your kids' names, your name, everything is just out there for scammers and spammers to find.

But Delete Me will delete your data, hence the name. It's gone. They'll wipe it out for you so you can sleep easy.

Get this. So far, they've reviewed 27,000 listings on my behalf, removed me from 240 data broker sites and saved me 77 hours of time. It's incredible.

I love it. So you got to be sure to check them out. Ramsey fans get 20% off their annual plans. Just go to joindeleteeme.com slash Ramsey. That comes out to less than nine bucks a month. Super affordable.

Big news, business owners. It's here. My brand new book, Build a Business You Love, is officially available to start reading now. Look, running a business is tough. Some days it feels like you're just duct taping the whole thing together. I get it.

That's why I put 30 years of hard-earned lessons into this book to help you grow faster, make smarter decisions, and stop learning everything the hard way. Don't wing it. Get your copy at ramsaysolutions.com slash store and start reading today.

All right, let's cut to the chase. It's easy to get discouraged about crazy house prices and interest rates. But when you have the right real estate agent to help you buy and sell the right way, you'll have confidence to make smart decisions. Ramsey Trusted Agents aren't just experts who guide you through buying or selling.

They're people you can trust to have your back from the first call to closing day. Find a Ramsey-trusted agent near you at ramseysolutions.com. That's ramseysolutions.com.

Listen, guys, I've heard just about every excuse for why folks think they can't get ahead with money. So let's go ahead and settle this right now. You get the final say on what happens with your money. That's why you have to start telling your money where to go so you can stop wondering where it went. So if you're going to start winning with money, you have to get on a budget.

The easiest way to get started and stick to it is with the EveryDollar budget app. It'll help you make a plan for every single dollar coming in and every single dollar going out every single month. And guess what? It's free, so no excuses. Download EveryDollar in the App Store or Google Play today.

Hey, what are you still doing here? You know the rest of the show's happening on the Ramsey Network app, right? So you gotta jump over there to continue watching. You can download it for free. Just go to your app store, type in Ramsey Network. It's completely free, and I'll drop a link in the show notes to make it easy for you. So if you're watching on the app, you're in luck.

But if you're watching anywhere else, this show is over for you. So jump onto the app and let the fun continue. All right. Go on now. Don't make it weird. Okay, I got nowhere to go, so you need to go. Okay, bye-bye now.

Hey, listen up. Everyone is at risk of identity theft. I don't care if you're a hermit living off the grid listening to the show on a battery-powered radio. All of your data, collected by every company you've ever done business with, lives online. Your bank, your doctor's office, retailers, the apps on your phone, the gas station where you have loyalty rewards.

They all store your info online, making them ripe for a cyber attack or data breach. That's why I've been telling people for almost 25 years they need an ID theft protection plan, and the only one I've ever recommended is from Zander Insurance. They monitor your personal and financial info, even your home title, and take over the work if you become a victim.

It's the most thorough and affordable plan out there. I even have it for my family and our entire team. Visit Zander.com or call 800-356-4282.

brought to you by the EveryDollar app. Start budgeting for free today.

I hate to admit this, but I don't always eat right. I know I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.

Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.

So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.

We've all got people we love and things we've worked hard for that we want to protect. So to keep them safe, I've recommended SimpliSafe home security for over 10 years now because they're the best. You see, traditional security systems only start working after somebody's already broken in, which is too late.

But SimpliSafe's active guard outdoor protection can help prevent break-ins before they happen. and SimpliSafe agents can see and speak to potential intruders to help stop trouble before it makes it to your door. SimpliSafe is 24-7 protection for your home inside and out. And even though SimpliSafe is the best, it's affordable. Monitoring starts at around $1 a day.

Your first month is free, and they offer a 60-day money-back guarantee. Plus, there are no long-term contracts or cancellation fees. And right now, you get 50% off a SimpliSafe system with professional monitoring. So head to SimpliSafeDirect.com to save 50%. That's SimpliSafeDirect.com. There's no safe like SimpliSafe.

Possibly, yeah.

Well, credit unions, for one thing, are non-profit, which means that the members, the customers, own the credit union. So any profits that the credit union makes goes back into customer accounts. pricing. So you get better interest rate on savings, cheaper checking, and so on, that kind of thing.

But what's more important than that, though, is the fact that the customer is the owner changes the spirit on the credit union. So I find very few credit unions that aren't very customer-centric.

They're the right kind of people with the right kind of values. And they've done a really, really good job with customer service. And the deals that they're offering, the Ramsey tribe is incredible.

Hey, you guys know how much I hate banks in general. And so for me to do this is a big deal. Talk to our friends at Fairwinds and check out the combined checking and savings bundle that they created just for the Ramsey tribe. You guys, it's incredible.

As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.

As the pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.

So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you or visit timothyplan.com for more information. Investing includes risk, including possible loss of principal.

Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.

But you know what I mean?

You know, one of the first things I discovered working in the financial world is how absolutely devastating it is when the breadwinner of a family dies and there's too little life insurance or none at all. Grieving families are suddenly left behind scrambling to pay bills and trying to make ends meet.

I also discovered that there are a lot of ripoffs in the life insurance world, like that whole life crap posing as an investment opportunity. What you need is level term life insurance, usually 10 to 12 times your income, which is the smartest, most affordable way to protect your family.

The key is finding an independent broker who represents a ton of companies and works for you, not for the insurance company. This is exactly what my friend Jeff Zander and his team at Zander Insurance are all about. They shop the term life companies to find you the best options, and they've been around for over 95 years. so you know they'll be there when you need them.

Zander is the real deal, and that's why they've handled all my personal insurance for over 25 years. I trust them, and you can too. Visit Zander.com for instant online quotes or for a more personal touch. Give them a call at 800-356-4282. All right, let's cut to the chase. It's easy to get discouraged about crazy house prices and interest rates.

But when you have the right real estate agent to help you buy and sell the right way, you'll have confidence to make smart decisions. Ramsey Trusted Agents aren't just experts who guide you through buying or selling. They're people you can trust to have your back from the first call to closing day. Find a Ramsey-trusted agent near you at ramseysolutions.com. That's ramseysolutions.com.

Let's be honest, shopping for health insurance can be confusing. With high costs, complicated terms, and customer service that doesn't really serve you, most folks just pick a plan and hope for the best. See, insurance companies don't work for you. They work for themselves, meaning they love it when you overpay. So you need a guide on your team to help you make the best choices.

Health Trust Financial Works for you. They're not salespeople. They help you find the health insurance option that makes sense and saves you money. The fact is health insurance is one of the biggest expenses in your budget. But most people who work with Health Trust Financial end up saving $500 a month. Imagine putting that kind of money toward the baby steps.

My team has worked with them for over 20 years, and they've served thousands of people just like you. They're the only health insurance broker that's Ramsey Trusted to help you. So stop throwing money away and get the health insurance that's right for you at healthtrustfinancial.com. That's healthtrustfinancial.com.

Listen, guys, I've heard just about every excuse for why folks think they can't get ahead with money. So let's go ahead and settle this right now. You get the final say on what happens with your money. That's why you have to start telling your money where to go so you can stop wondering where it went. So if you're going to start winning with money, you have to get on a budget.

The easiest way to get started and stick to it is with the EveryDollar budget app. It'll help you make a plan for every single dollar coming in and every single dollar going out every single month. And guess what? It's free, so no excuses. Download EveryDollar in the App Store or Google Play today.

What if one night could change your future? You don't have to stay trapped in the same old patterns that have left you stuck in your money, relationships, and your life. You can break the cycles that have kept you from moving forward. Dr. John Deloney and I will show you how live the Money and Relationships Tour is starting this week.

Join us in Louisville, Durham, Atlanta, Phoenix, Fort Worth, or Kansas City. It's down to the wire, so grab your tickets at ramseysolutions.com slash tour. That's ramseysolutions.com slash tour.

No matter what you want to do with your money,

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Yeah, just leave her alone.

This is my third year, and it's my second. The first year, I didn't know how to access the videos or anything, so I really taught from your Total Money Makeover financial piecebook. So for two years, we've been doing the full curriculum, and the course is getting more and more popular. Wow. The first two years, I had to teach some Algebra 1, because I'm a math teacher.

I incorporated it into my math class, but I had to teach some Algebra 1 in there, too. So the last... The last two years, the class is – I've got all – this is the only thing I teach. We teach finite math, and I incorporate it into it. Next year, we're changing to financial algebra, which will – the standards will line up a lot better. But, man, it is great. Love teaching it.

I never have a student ask me, Ms. Austin, when are we ever going to use that? I would get that sometimes about Pythagorean theorem. I bet.

Most fun I've ever had teaching. Wow.

We're on a block schedule, so I teach about 80 each semester. Wow, that's a lot of lectures. So we finish the course in a semester. So I have about 160 a year. So I figure I've been doing it for three years, and I'm probably teaching seven more years before I retire maybe. So I'll have about 1,600 students come through this. Wow, very good. And here's the thing.

We live in a county, 73% of our students, we're a Title I school, 73% of our students are free or reduced lunch. Countywide, about 20% live below the poverty line.

So if I can take those 1,600 students and I can teach them how to manage money, I can teach them how to be wealthy, how to not go into debt, do all the Dave Ramsey stuff, and teach them to be generous, we can change the demographics of our county. You can. You're right.

I tell them all the time, we've got a lot of generational poverty here. I say, you know, you can change this not just for you. You can change it for your children, your grandchildren, because you learn to do things like your parents did. Your children will learn to do things like you do. We've got to break some generational curses.

Yes, we did. We did. And we weren't sure we had a different sponsor for the first two years. We weren't sure we were going to get that. I was fixing to start looking for grants and trying to raise money because I cannot imagine not teaching this. If I can't teach this, I'm probably going to be ready to retire. Wow.

It's Holy Week in Jerusalem, and the city is restless. The people of Israel welcome Jesus as king, his followers ready for revolution. But instead of taking the throne, Jesus turns the tables.

Walk, you scribes and Pharisees! How will you escape being condemned to hell?

Experience Holy Week like never before. What have you done? Now in theaters, The Chosen, Last Supper. Get your tickets now.

Hey, technology has changed a lot in the last 30 years. Now the hot topic is AI, and I understand that it might seem intimidating. But if you use AI the right way, it's just another tool to help you work smarter and faster, like a calculator or a cordless drill. So if you run a business, you'd better get on board with it before you get left behind.

And NetSuite by Oracle offers AI-powered tools that help small businesses improve improve efficiency, and make smarter decisions by bringing all their major business processes into one platform. That way there's one source of truth for the real-time data you need to take advantage of opportunities.

Then you can forecast better, scale more efficiently, and streamline those manual tasks that take too long. So join the more than 41,000 businesses, including Ramsey Solutions, that rely on NetSuite to help tackle some of their biggest challenges. And right now, you can download the CFO's guide to AI and machine learning at netsuite.com slash Ramsey. That's free at netsuite.com slash Ramsey.

I hate to admit this, but I don't always eat right. I know, I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.

Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.

So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.

Okay, guys, I got big news. Aldi is now the official grocery sponsor of The Ramsey Show. Yeah, Ramsey is teaming up with Aldi, the grocery store that cares as much about saving money as I do. Get this, Aldi branded products save you up to 63% over similar name brand products at other stores.

It's great quality and big savings on everything you need with no gimmicks, no membership fees or coupons required. See for yourself how Aldi is saving Americans across the country $8.3 billion a year. So stop paying more and start shopping at Aldi, where they have the lowest prices of any national grocery store. Find a store near you today at Aldi.us. That's A-L-D-I dot U-S.

Hey, folks, how would winning $5,000 in cash change your life? This month, we're giving $5,000 to one grand prize winner, and we're giving away a $500 prize every week in May. It takes less than 15 seconds to enter, no purchase is necessary, and you can enter daily to increase your chances of winning. Enter the Ramsey Cash Giveaway until May 31st at ramseysolutions.com slash giveaway.

That's ramseysolutions.com slash giveaway.

Listen, guys, I've heard just about every excuse for why folks think they can't get ahead with money. So let's go ahead and settle this right now. You get the final say on what happens with your money. That's why you have to start telling your money where to go so you can stop wondering where it went. So if you're going to start winning with money, you have to get on a budget.

The easiest way to get started and stick to it is with the EveryDollar Budget app. It'll help you make a plan for every single dollar coming in and every single dollar going out every single month. And guess what? It's free, so no excuses. Download EveryDollar in the App Store or Google Play today.

brought to you by the EveryDollar app. Start budgeting for free today.

Hey, listen up. Everyone is at risk of identity theft. I don't care if you're a hermit living off the grid listening to the show on a battery-powered radio. All of your data, collected by every company you've ever done business with, lives online. Your bank, your doctor's office, retailers, the apps on your phone, the gas station where you have loyalty rewards...

They all store your info online, making them ripe for a cyber attack or data breach. That's why I've been telling people for almost 25 years they need an ID theft protection plan, and the only one I've ever recommended is from Zander Insurance. They monitor your personal and financial info, even your home title, and take over the work if you become a victim.

It's the most thorough and affordable plan out there. I even have it for my family and our entire team. Visit Zander.com or call 800-356-4282.

This show is sponsored by BetterHelp. All right, you've heard me say it a thousand times and I'm going to keep saying it. You're worth being well. And listen, therapy can help. I see a therapist, and let's be honest, a lot of you should too. But let's be real. Taking that first step to see a therapist can feel overwhelming. Maybe it's the time.

Maybe you have some preconceived notions about therapy. Maybe it's the cost. But we spend money on gym memberships, organic groceries, essential oils, Little League practices, tracker watches. But for some reason, when it comes to our mental and emotional well-being, we hesitate. Listen, your mental and emotional health are just as important as your physical health. And the good news?

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My house shall be called the house of prayer, but you make it a den of thieves!

I hate to admit this, but I don't always eat right. I know, I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.

Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.

So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.

It's Holy Week in Jerusalem. Crowds welcome Jesus as King. Rebellion is in the air. Jesus operates outside our jurisdiction. Rome will descend on us all. But instead of taking the throne, Jesus turns the tables.

My house shall be called a house of prayer, but you make it a den of thieves.

the world will never be the same. Coming soon to theaters, The Chosen Last Supper. Get your tickets now.

There you go.

Everything above the nose, John and George. How's this day finding you?

Excellent. I need some advice. We're going to tread a little bit carefully because I am trying my best to thread the needle with my mother-in-law. She keeps giving financial and career advice to my family, specifically my wife, that do not work for our family situation and really do not work in 2024.

I would think that you are probably correct. I am worried that my wife is going to listen to her mother. My mother-in-law was able to raise four children in the Midwest through the 80s and 90s without working. She, I don't believe, has ever worked a 40-hour-a-week job in her life. A couple of days helping out at this nursery school, a couple of days here.

Well, yes. Basically, all of the advice that she's giving involves things around we have two children under six. And it's comments along the lines of, you know, when both the kids are out of daycare, my wife works as a daycare teacher as well. When the kids are out of daycare, you can leave that job and just teach music lessons.

I make 60 an hour teaching music lessons, and that's great, but that doesn't make up for the income that we need in order to live where we do it. Okay, but here's the thing, James.

Yeah, and at this point we're having to have this conversation about every six to nine months or so, and I've tried showing my wife the math and that it does not work.

I think that she gets the impression that she is working to pay for daycare and nothing else, and that once the children are out of daycare that that need might disappear.

I think so. I think part of it may be a byproduct to that's the home environment that she was raised in, so she has seen it work, but that... I don't think is realistic or sustainable.

Just myself, about $60,000.

My wife, no. She's a music teacher by trade.

I am a program director for a medium-sized nonprofit.

As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.

As a pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.

So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you. Or visit TimothyPlan.com for more information. Investing includes risk, including possible loss of principal.

Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.

Hey guys, I'm Jade Warshaw and I want to talk to you for a second about student loan refinancing. Okay, if your payment and interest rate are burying you and you feel like you can't dig out, refinancing your student loan might make sense because a lower rate could help you free up more money in your budget and a shorter term could help you pay down your debt faster.

So reach out to the student loan refinancing experts today at laurelroad.com slash Ramsey. There, you'll find helpful resources like a student loan rate table, a refinancing calculator and other tools. Plus, you can get an initial rate in just a few minutes. Laurel Road offers low competitive rates starting under 5%. You can even get your interest rate lower if you sign up for auto pay.

If your situation is more complex, though, sign up for a free 30-minute consultation with one of their student loan refinancing experts to get your tough questions answered. Listen, not everybody should refinance their student loan. So make sure you run the numbers. But for some people, it's the right move.

Learn more at laurelroad.com slash Ramsey to find out more about their student loan refinancing. That's laurelroad.com slash Ramsey.

I hate to admit this, but I don't always eat right. I know I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my field of greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.

Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.

So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.

Okay, here's the hard truth. Your investment dollars could be winding up in the pockets of companies that hold positions you don't agree with. People are unknowingly putting money into tech giants and household brands that don't match up with their core values. But here's good news. Timothy Plan is at the forefront of biblically responsible investing.

That means Timothy Plan uses a strategy that lets investors chase competitive returns while staying rock solid in their beliefs. So if you're ready to invest with a clean conscience, it's time to check out Timothy Plan. Request information at timothyplan.com to learn more or contact your financial advisor today to see if Timothy Plan is right for you.

There's a time in your life and the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.

Churchill is Ramsey trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense. Now it's extra money in your pocket.

and an asset towards turning you into a Baby Steps millionaire. Get started on the American dream of home ownership today at churchillmortgage.com. That's churchillmortgage.com.

Yes, I have. George, sketchy and never trust them.

Yeah, they do. Delete Me actually goes in and removes your information from data broker websites. And it is an incredible service that everyone needs.

That's right. And then once they remove your information, then they're going to send you a detailed report telling you where they found your information, when they removed it, how many hours they've saved you. I mean, it is incredible. So detailed and it's beautiful.

Absolutely amazing. And Winston and I now get fewer texts, weird emails, spam calls, all of it.

Bye.

All right, Dave, you have some strong opinions.

Yeah, I think so. Okay, because you really prefer credit unions over big banks.

Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.

Yeah, absolutely. And I love that the things that we teach, they so line up with. And you're right, their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding. It took less than five minutes. It was so user-friendly. Like the step-by-step approach was unbelievable. And then the next day my phone rings and it says Fairwinds on my phone.

So I answered it. And talked to someone there and they said, yeah, they give calls to every new customer. And so again, they just really care about your experience. And I so, so appreciate that. Plus anything that you can do at a traditional branch, you can do with them at fairwinds.org or on their app. And you'll have free access to over 33,000 ATMs.

Yeah, you guys, it's so easy to join Fairwinds no matter where you live. So go to fairwinds.org slash Ramsey.

Okay, you guys, 54% of Americans say it's a challenge to save on groceries without sacrificing quality. That's why I'm thrilled to tell you about Aldi. Aldi gives you simpler, better food choices that can save your family nearly $4,000 a year. From the daily essentials to organic produce, fresh meat, and more, Aldi has what you need at prices that won't bust your budget.

So stop paying more and start shopping smarter at Aldi, where you'll save with the lowest prices of any national grocery store. Find a store near you today at aldi.us. That's A-L-D-I dot U-S.

As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.

As the pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.

So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you or visit timothyplan.com for more information. Investing includes risk, including possible loss of principle.

Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.

Wow.

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Hey, how's it going? Good, how are you? I'm doing all right. But starting off, so I'm a 22-year-old in Nashville currently. I'm originally from Indiana. I am living paycheck to paycheck as of right now, but I have every now and then I get like a little bit spare some money to put aside. And I'm trying to start my own two businesses.

So my main question is, should I put that money aside and put it towards the businesses, or should I invest it in something else to get me and my old lady a house? Considering I have no credit card debt, I have no debt to my name, I have always paid cash for everything, I'm just trying to figure out what I should do.

Roughly about $1,200, I'd say, at the job that I'm at currently. My old job I made more, but I'm going back to that job at the end of this year. I'm going back to Indiana to go to that job.

Roughly, I mean, I made $1,200 a week, so I'll be making roughly $5,000 a month at that job.

So the job that I took down here, it's actually the same job. It's a traffic flagging position. I'm not making years much money, and it's not union-based, so it's not like a laboring job, I guess.

Roughly, yeah. I mean, I'm not making much, and I don't know why.

Roughly $1,850.

Yeah, exactly. That's what I'm saying.

I'm actually in the current, I'm in the current of doing that right now. Okay. I'm in talks with my company.

Currently, no, I do not, because I had to use it to pay for bills whenever they came around, because I ran into an issue.

Yeah, no, I mean, I'm paying on a trailer, but it's not under credit. I have no credit at all. I don't have a credit line. I've always paid for cash.

Roughly $1,600 to a trailer dealership.

I already made it. I think it was like a $200 down payment. My first payment comes out next month.

Okay.

Yeah, I got you.

Hi, thanks for taking my call.

Yep. So I'm age 31 and, uh, currently married, no kids yet, but that's coming up around the corner, maybe a year out. Um, I'm currently on baby step four, I've been saving for retirement and, um, had a luck of fortune or strike a fortune. Uh, in the past year, I've been investing in a brokerage account for a 401k and, uh,

That's a growing actually to just shy of a million dollars in the span of a year. Whoa. Really, really lucky. What are you invested in? COVID recovery and some technology growth. And I was very fortunate there.

Two years ago, it was about 50 or 60K.

So being on Baby Step 4 and having this locked in a 401k account, I'm trying to understand how can I use this to looking forward ahead to Baby Step 5 and 6? It is still, you know, it's in a 401k account. I understand mathematically it makes sense to keep it in there, but psychologically using that net worth towards some freedom.

I'm curious on your thoughts there, what makes sense and when it makes sense to tap that resource.

It was, and I've diversified that out to kind of lock in.

About 230K. Okay.

I'd say about 230K as well.

That would be phenomenal. Absolutely. Yep. Okay.

How are y'all?

So me and my wife have been married for a year now. We're on baby step two. We're tackling her student loans. And then about three years ago, I bought a house from my aunt and uncle, and they were in some tax problems. They couldn't sign the house over to me.

I know. But so we've got two years left until they can – sign the house over to me, deed it over to me, and I will, right now, currently, I still owe them $60,000. And I'm just curious if I should sock that money away after I'm done paying student loans off and then just keep it in a bank. And then that way, two years from now, I can just, you know, deal's done.

I don't have to take a mortgage out. Or should I go into investing after we pay off student loans?

Well, it wasn't on my... It's a handshake agreement? Yeah, pretty much.

Yeah, we did write something out that we all signed.

So the way I justify it to myself is... Hey, can I just say right now?

Really low rent.

And that's what I'll have to tell myself if something bad happens.

No. So in two years, so they had to go to court with the IRS. The IRS said, fine, we're going to forgive everything. You cannot make any extra money for five years. So three years, and this was three years ago. So they had this house. I said, okay, well, I need a house. We agreed on a price, and I gave them some money down, and then I pay them a monthly payment.

And at that five-year mark, the agreement is either I'll take out a mortgage to finish paying what I owe, or I'll have the money, or whatever it takes. And then they can deed it over to me.

sure oh that makes it george okay hey it's just a national radio show what do i know okay so what is your question timothy uh if uh if i should sock what i owe them away into a savings account so when the day comes that they can beat the house to me i could just pay them off or uh should i be investing and then take out a mortgage you're talking about not paying them anymore

No, I would still make the monthly payment, but just put extra away every month.

About seven months.

That would take about another three to four months.

Okay. I could have all of the money in about 25 months. That includes student loans and the house, all in 25 months.

I think so, yeah. We save about $5,000. Well, we pay about $5,000 a month now towards student loans.

So we agreed at $105,000. I had a realtor out a few months ago and they put it at $248,000.