Unknown Caller
Appearances
Dateline NBC
Talking Dateline: Return to the Lake
Hi, my name is Gail. I've got a question about tonight's episode. Beverly Russell was Susan Smith's stepfather. Did the mother stay married to Beverly Russell after all this came out in court?
Dateline NBC
Talking Dateline: Return to the Lake
Hey, how you doing? You doing okay? I'm hanging in there. Well, that's good. I'm concerned about you and just wanted to know how you were doing. Well, I appreciate you calling. That means a lot.
Dateline Originals
Deadly Mirage - Ep. 4: David and Bathsheba
And I was freaking out. I thought, we cannot have Rob's murderer around our friends and their kids.
Dateline Originals
Deadly Mirage - Ep. 4: David and Bathsheba
Hey. Are you okay? Yeah. They're down here. How do you know? It was obvious there was someone posted at a corner.
Dateline Originals
Deadly Mirage - Ep. 4: David and Bathsheba
What type of marriage did you guys have?
Dateline Originals
Deadly Mirage - Ep. 4: David and Bathsheba
I was just calling to let you know that there's a bunch of people praying for you. I just wanted to see how your family's doing.
Dropouts
He Gave Up the Love of His Life... | Dropouts #255
Out of thumb? Does that say curtains? Curtains.
Dropouts
He Gave Up the Love of His Life... | Dropouts #255
Hello, Dropouts viewers. As you can see, I've taken your precious Jared.
Dropouts
He Gave Up the Love of His Life... | Dropouts #255
The game is simple. If you want him to get out of here alive, then all you need to do is subscribe to the Dropouts Patreon.
Dropouts
He Gave Up the Love of His Life... | Dropouts #255
Subscribing is easy. Just go to patreon.com slash dropouts pod. Should you fail to play the game, I will release a deadly nerve agent that will lead Jared to an excruciating end. The choice is yours, life or death. Let the games begin.
Guru: Don't Cross Kat
The Witches Who Work For You | 1
Finally, maybe this would lead rich and powerful people to acknowledge the barbaric nature of our health care system.
Guru: Don't Cross Kat
The Witches Who Work For You | 1
Leander, place front. Hi, I'm calling because I would like to know if you guys did a wellness check on the two missing Brazilian girls. Is an officer going to go over there and talk to them because they really need to?
New Heights with Jason & Travis Kelce
Travis Returns to The Land, Jason Hypes the Birds and Drone Sweet Drones | Ep 115
Pity!
New Heights with Jason & Travis Kelce
Travis Returns to The Land, Jason Hypes the Birds and Drone Sweet Drones | Ep 115
Hey guys. I was just wondering how you felt about being dethroned as the top trending pet name in sports. I didn't know that. I didn't know we were on top over.com. According to their 2024 top trending, Pet Names Report, Jalen Brunson is now the number one trending sports name, and now Kelsey is number two. Way to go, Jalen.
New Heights with Jason & Travis Kelce
Travis Returns to The Land, Jason Hypes the Birds and Drone Sweet Drones | Ep 115
And I just wondered, because last year I saw that you were number one, so I just wondered how you felt. Just wanted to get your reaction on being dethroned by an NBA player. So please, let us know on the pod. Thanks.
New Heights with Jason & Travis Kelce
Travis Returns to The Land, Jason Hypes the Birds and Drone Sweet Drones | Ep 115
Oh, beer.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Dude, thank you so much for taking my call. I just, I love you, man. I appreciate all that you do. And I have found an extraordinary amount of help through your show.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Okay, let me ask my question first, and if you want me to expound, I can expound. I would just like to know from a professional what the data is. Basically, what effect do romance novels and your wife reading them have on your marriage and your sex life?
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Yeah, dude. So we've been married seven years, and my wife is my ride or die. We love each other. We've got a couple of kiddos that we're trying to raise, and things are fantastic. As far as our sex life goes, I just honestly feel that the expectations that these – romantic novels create.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
The expectations it creates are almost like impossible for me to reach, and I feel like it's having an effect on our romantic life and on our sexual life, but I don't want to bring it up Uh, and almost like accuse that of, of being a reason why I feel like, uh, she escapes to those fantasies, um, during sex instead of like staying present with me like we used to.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Oh, dude, yeah. I mean, I'll just shoot you straight. So we're very open with that stuff. And we've talked about fantasies, and I feel like in some ways they've had a positive effect. And a lot of the fantasies that she has stem from situations in these books.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
And so, yeah, during sex, I can just feel her and see her, you know, go off into these fantasies, you know, mentally through her body language and so forth. And she'll even straight up say it and tell me. And while that helps her during sex, I feel like it's divided us in a way where it used to just be like the whole world shuts down. It's her and I.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
We communicate throughout it and now communication is lessened. It's far more quiet. All that stuff. I don't feel like she does just kind of go to these fantasies and I feel like In order for her, you know, to reach level sexually that she wants, she has to escape to those fantasies and almost escape reality. And I just, I don't like how it makes me feel. Yeah.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
I don't like how it is, you know, for a sex life. And so, yeah, I could just use some help on how to talk to her about it and what the data, I know that. you know, porn affects that, right? Like watching porn obviously affects and creates expectations that aren't realistic in sex.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
And I want to know if I'm crazy for trying to bridge the gap and connecting the two or, or what your thoughts are on it.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Yeah, I think it does. And, you know, to add a little bit more context, my wife, like she... So we both own businesses and one of her like secondary things that she focuses on is digital minimalism. So she knows like the effects of social media stuff. She tries to stay away from it far more than I do. She's fantastic in that way.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
And she's not, you know, every day hiding in her closet, just indulging in these books. It's enough that she's created a handful of escape routes. And so to your point, yes, I do feel like since we talk about it and we're open with it, it's almost like permission to go there. And what used to be a handful of times, you know, what are you thinking about? Blah, blah, blah.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Now it's like in order, in order for our sexual experience to be complete, if you know what I'm saying, she just has to, she just has to go there and just totally check out. And so, so yeah, you're, you're not wrong in a sense that it's almost like created this permission, but now it's,
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
It's almost like what used to be a handful of times is just every time, and we've lost our personal intimate connection where we're locked into each other.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Yeah, I mean, I've even found... Go ahead. I'm sorry, I was just going to say, I've even found myself, like, to connect with her, just mentally going with her to these fantasies. That's right. And I just, I don't jam with it.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Yeah. Agreed. Agreed. And she'll say again, like we're very open with it and she'll... Oh, what are you talking about? Yeah, of course. In certain times, like, it's with me in these other settings, but I just, again, the basis of it is I just feel like... You feel relieved. How I am currently. Yeah.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
And it's like, I'm not good enough here, like, performance-wise, emotional-wise. Like, I'm just not fulfilling it here.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Yes. Yep. Right? The world shuts off.
The Dr. John Delony Show
My Husband’s Mistress Got Pregnant After I Had Our Baby
Oh, go ahead. Lay stuff out, and then the next conversation is how do we rebuild this thing?
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
What is your opinion or feedback about what you've seen about relationships being successful if there is a substantial age gap? of, let's say, 10, 15 years. What has been your understanding as to the overall satisfaction of those relationships and the ability for them to be able to be long-lasting and satisfying when compared to relationships with, you know, less than a 10-year age gap or so?
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
How do I know if I'm actually building something? If there is a substantial age gap? It seems to me unwise to reproduce things being this uncertain.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
We're dealing with a pattern of misbehaviors with our son. Our 13-year-old throws tantrums.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
Our son turned to some substance abuse.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
So my question is, how do I know if I'm actually building something important or just staying busy to feel productive? Sometimes it seems like I'm doing a lot, but... I'm not sure whether the path is right for me. That's my question. And I also want to say thank you very much, Dr. Jordan Peterson, for completely changing my life with his views, mental models, and the book, 12 Rules of Our Life.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
Thank you very much.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
If you hear a baby screaming, she's hungry. But how does one distinguish between a relationship that requires personal growth and sacrifice to thrive and one that is fundamentally misaligned with one's deeper values and should be let go?
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
Yeah.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
Yeah.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
Thank you.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
Dear Dr. Peterson, largely thanks to discovering your lectures as I was going through a very rough patch in 2017, I am now a former truck driver turned part-time security guard and full-time law student. You helped me rediscover meaning, culture, and rekindled the flame that drove me and I am forever grateful to you.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
I am, however, less and less optimistic about the future of Western civilization, as it seems that a lot of what gave it meaning is evaporating in front of our eyes, particularly with wokeness working ever so hard to divide us all. It seems to me unwise to reproduce things being this uncertain.
The Jordan B. Peterson Podcast
548. Jordan Peterson Takes Your Call: Advice, Mental Health, Family Dynamics | Mikhaila Fuller
Do you have any words to rekindle my faith that we are still in fact able to create a world that is suitable for children to inherit?
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
Here's a small part of it.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
Let's go. I've always loved taking something pretty ordinary and elevating it. Surprising people with moments that let them know I was really thinking of them. What? This is probably one of the most glamorous moments of my life. I'm going to share some little tips and tricks. I see what color I gravitate to, and everything goes from there. And how you can incorporate these practices every day.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
That's what you want. You want that shape and texture. Come on. This is about connecting with friends. I love that we're doing this together for the first time. Making new friends. That is so good. We're family now.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
I've often said that gender-affirming care is health care, it is mental health care, and it can actually be suicide prevention care.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
I think I'm gonna take some medicine so I can kind of like transform into a boy, get surgery.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
After the surgery, I didn't really feel any better. When it stopped being a thing for adults and it started to be a, let's teach this to kids. Total lie. Manipulation. It's gaslighting. Please stop.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
He's a boy, not a girl. How could she do this to my son?
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
What they're talking about is hormonal therapy or sex reassignment surgery on children. I thought fixing me externally would fix me internally, but of course I was wrong.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
All I want to do is hold my son.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
Are you asking me to lie to parents? And he said, yes.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
This is an weaponized use of a parent's sympathy and caring and concern by the left to destroy your child. Let's tell kids that maybe they can be the opposite sex. Maybe they actually are the opposite sex.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
It is an evil thing to tell children that happiness lies on the other side of puberty blockers or double mastectomies.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
The left so badly wants to blur these lines. That's a five alarm fire. It's criminal.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
People see you and they're like, wow, look at you. You know, they're so excited. Here's a female black officer. Because it's not a lot of us.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
Governor, you got a second? Governor! Governor, I live here, Governor!
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
That was my daughter's school, Governor. Please tell me what you're going to do. I'm not going to hurt him. I promise.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
I'm literally talking to the president right now to specifically answer the question of what we can do for you and your daughter.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
Can I hear it? Can I hear your call? Because I don't believe it.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
I'm sorry. There's literally... I've tried five times. That's why I'm walking around to make the call.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
Why is the president not taking your call?
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
Because it's not going through.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
Why? I have to get cell service. So let's get it. Let's get it. I want to be here when you call the president.
The Matt Walsh Show
Ep. 1512 - How DEI Is Destroying L.A.'s Fire Department
I appreciate it. I'm doing that right now.
The Ramsey Show
Be the Tortoise Not the Hare
So my husband, my ex-husband has not been able to hold down a job due to his health and he has not paid alimony or child support in five months. His only assets are his 401k and a little bit of the equity in the house that I got in the divorce that he gets, he gets that equity when I refinance, when I finished school.
The Ramsey Show
Be the Tortoise Not the Hare
So I'm wondering if it's fair to ask him to cash out some of his 401k to pay his responsibilities. I know there's huge punishments, but he's working on disability and that can take a long time, but he's got no other assets to feed his kids.
The Ramsey Show
Be the Tortoise Not the Hare
Yeah. Right. Like I'd rather he, you know, keep his kids alive now than, I don't know.
The Ramsey Show
Be the Tortoise Not the Hare
I'm getting financial support from my family. I'm going through school. I've still got years to go before I can have any training that can pay anything more than fast food.
The Ramsey Show
Be the Tortoise Not the Hare
So our housing, we refinanced this house when it was at the bottom of the interest. My interest rate is 2.6. My mortgage is $1,000. Okay. I can't rent a studio apartment in Utah for under a thousand dollars.
The Ramsey Show
Be the Tortoise Not the Hare
Financial sense means that the kids and I stay here. If I was still married to him, we would keep this house. If we were still married, I would ask him to petition some kind of hardship to get into his 401k. His parents are paying his rent. I guess my parents are, my parents are paying my mortgage rent.
The Ramsey Show
Be the Tortoise Not the Hare
He needs to do a bankruptcy because of his credit card debt since the divorce. And so he's threatening that he needs a bankruptcy. And I'm worried that this is an asset in his name.
The Ramsey Show
Be the Tortoise Not the Hare
He has $250,000 in it. And how old is he? He's 42 years old.
The Ramsey Show
Be the Tortoise Not the Hare
He's going to have to fight to get on disability. He hopes that he can rejoin the workforce someday, but based on his last 10 years of health, I don't see how it's possible. He's hit an early dementia.
The Ramsey Show
Be the Tortoise Not the Hare
I just feel like I'm asking my family for help to take care of his children.
The Ramsey Show
Be the Tortoise Not the Hare
Yeah, no, they are. And I have a plan. I'm getting through school as quickly as I can. I'm selling my blood money.
The Ramsey Show
Be the Tortoise Not the Hare
I mean, doesn't he have it? Can't he get into that 401k? Isn't it better to use it now?
The Ramsey Show
Be the Tortoise Not the Hare
I don't know if he switched it over to his new wife and his kids, but I have a life insurance on him that I kept from our marriage.
The Ramsey Show
Be the Tortoise Not the Hare
Is it fair if I, because my sister's supporting me and I'd like to pay her back someday. Is it fair to say, hey, if you forego the equity that I owe you, then you can not pay me the child support?
The Ramsey Show
Be the Tortoise Not the Hare
What's up? My question is, so I'd be paying off my only debt I have, which is my car payment tomorrow. So that would be clear. Congratulations. Oh, thank you. My husband has just a $7,200 car payment, and he just took out another line of credit for $8,000. So my question is, I have about $600 spare from my car payment. Should I help him pay back his line of credit?
The Ramsey Show
Be the Tortoise Not the Hare
But my worry is that he paid off $10,000 line of credit last year, and he took another $8,000 and put it in stock. So my worry is that if I help pay him, like help pay his line of credit back, he's going to take another line of credit, and we're going to be in debt still over and over again.
The Ramsey Show
Be the Tortoise Not the Hare
So I didn't know he took out another $8,000. He was talking about it, but I didn't know actually he was doing it. All I said was, he just paid off the $10,000. He worked overtime to do that. And he said, well, I really want to do stocks. I was like, okay, I'll look into it. And he took out $8,000 for it. And I didn't think he would actually do it because he just finished it off.
The Ramsey Show
Be the Tortoise Not the Hare
So he got into finances after reading Dave Ramsey books.
The Ramsey Show
Be the Tortoise Not the Hare
He wanted to do something different, I think. He wanted to do stocks. He's into stocks now. I have no idea what... He's probably day trading.
The Ramsey Show
Be the Tortoise Not the Hare
Well, I am calling because my husband and I, when we had some debt issues, we went to like a negotiation company, basically. They have us going into delinquency, and then they negotiate.
The Ramsey Show
Be the Tortoise Not the Hare
Yes, and I was totally against it. My husband, it just, okay. So this is the reality. So they have negotiated. We have a total of about $38,000. in debt, uh, with three different creditors, uh, it's credit cards. Um, so two of our credit cards were negotiated or settled, I should say. And we spoke to the representative yesterday because I'm like, I want to know, can we get out of this?
The Ramsey Show
Be the Tortoise Not the Hare
What's the penalty? You know, what is this all entail? And so right now, We still have one creditor that has not been negotiated yet. And I'm trying to tell my husband, I'm like, I want to get out of this. I think we can handle it ourselves. But, you know, he's kind of like, well, we're in it now and we need to, you know, stick with it so we can get out of this.
The Ramsey Show
Be the Tortoise Not the Hare
And I'm just trying to see if we do have a path to get out of it.
The Ramsey Show
Be the Tortoise Not the Hare
So the fees and penalties, so we've been 10 months into the program. Once they do your negotiations, for every payment that you do, it's $347 per month.
The Ramsey Show
Be the Tortoise Not the Hare
credit card you know that they are negotiating just to fees so i mean it's insane and that's for 12 months is what it is you see why i'm not a fan of these companies oh absolutely let's help you get out of debt by screwing you over completely exactly but they're like the payoff right now for those two would only be 16 000 how much money do you guys make
The Ramsey Show
Be the Tortoise Not the Hare
So we are very much a budgeter, but we're about bringing home about $6,300. That's after taxes.
The Ramsey Show
You Don’t Need a Raise, You Need a Plan
Well, I used to be one of those guys. I didn't even think about it. And one of my buddies said, hey, the only reason to not have life insurance is if you hate your wife and kids. And I immediately went and got term life insurance. That's a gut punch. For decades, Dave, I've sat across people who've lost a spouse. They've lost somebody important to them. Me too. And they don't know what to do next.
The Ramsey Show
This Is How You Take Control of Your Own Life
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.
The Ramsey Show
This Is How You Take Control of Your Own Life
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.
The Ramsey Show
This Is How You Take Control of Your Own Life
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.
The Ramsey Show
There’s Always a Way out of a Financial Spiral
Like 300 carats. You know what I mean?
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
If you run a business or you know somebody that does, you know the truth. The truth is it's hard. It's really hard. When you're self-employed, you typically have a jerk for a boss.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
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.
The Ramsey Show
Quit Trying to Outearn Your Stupidity!
The world will never be the same. Coming soon to theaters. The Chosen Last Supper. Get your tickets now.
The Ramsey Show
The Road to Financial Freedom Is Paved With Grit
This show is sponsored by BetterHelp. You've probably heard people talk about different kinds of flags in friendships and romantic relationships. Red flags, green flags, beige flags.
The Ramsey Show
The Road to Financial Freedom Is Paved With Grit
Listen, it can be helpful to look for patterns or unsafe behaviors in potential relationships, but all those labels can distract from what's really important, your values, and whether you and your potential partner are willing to wake up every day and choose to honor each other's values. And look, I know it can be tough sometimes to even know what's important to you in a relationship.
The Ramsey Show
The Road to Financial Freedom Is Paved With Grit
Therapy can help you figure out what your values actually are and decide your boundaries and your non-negotiables. And if you're thinking about starting therapy, try BetterHelp. BetterHelp is 100% online therapy that works with your schedule. To get started, just fill out a short online survey to get matched with a licensed therapist.
The Ramsey Show
The Road to Financial Freedom Is Paved With Grit
If it's not the right fit, you can switch therapists at any time for no extra cost. So whether you're dating, married, building a friendship, or working on yourself, do it with help from BetterHelp. Visit BetterHelp.com slash Deloney to get 10% off your first month. That's BetterHelp, H-E-L-P dot com slash Deloney.
The Ramsey Show
The Road to Financial Freedom Is Paved With Grit
I didn't even think about it. And one of my buddies said, hey, the only reason to not have life insurance is if you hate your wife and kids. And I immediately went and got term life insurance. That's a gut punch. For decades, Dave, I've sat across people who've lost a spouse. They've lost somebody important to them. Me too. And they don't know what to do next.
The Ramsey Show
Stop Overthinking and Start Taking Action
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.
The Ramsey Show
Stop Overthinking and Start Taking Action
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.
The Ramsey Show
Stop Overthinking and Start Taking Action
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.
The Ramsey Show
Stop Overthinking and Start Taking Action
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.
The Ramsey Show
Sacrifice Now To Secure Your Financial Future
We used it all while I didn't have a job.
The Ramsey Show
Sacrifice Now To Secure Your Financial Future
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.
The Ramsey Show
Sacrifice Now To Secure Your Financial Future
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.
The Ramsey Show
Sacrifice Now To Secure Your Financial Future
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.
The Ramsey Show
Sacrifice Now To Secure Your Financial Future
What's going on? Thanks for taking my call. Might be a loaded question, but pretty much, is it appropriate for me to to ask an employee about their personal finances, try and dig into it to understand what to pay them in the situation that I did buy this person's book of business in exchange for them having a job. um, steady income.
The Ramsey Show
Sacrifice Now To Secure Your Financial Future
Yes, I've been looking for work, and then I've been looking at maybe starting something, but I don't know if I'm too old.
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So I have a general idea, and it's a lot less than what they're getting paid right now. But I also know that they have a lot of personal debt from their business line that we purchased. I know the person has a friend. Now we're just work colleagues. There's not really too much friendship. But the answer is I do know, but it's kind of a struggle to keep a good workplace and make sure that they –
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are in a sense taken care of also, because I'm weaning them off right now. I'm weaning them off being used to be able to live frivolously.
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No, so I actually acquired it for free. So it's actually, we had a document drafted that pretty much gave us the book of business in exchange for their employment guaranteed for six months. What do they get out of this? So they get a job, essentially. They get a job. He's getting paid off the bottom line. He runs one of our branches. We have two branches.
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It was a big plus for us in terms of going from probably $300,000 to $400,000 for this year to probably a million plus in revenue. So... There's a big benefit on our end. And unfortunately, he ran his business into the ground culturally, financially. So that's where we came in compliance wise. They didn't get the insurances they needed because of.
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Start starting a small – like starting my own small business and doing this for other – instead of just doing it for one agency, doing it for – I like that.
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$75,000 to $80,000, based hourly with some bonus based off performance. Great. What were they paying themselves before you bought their business? It's hard to determine. I went into their numbers. They were pretty much paying themselves out of the business, him and his fiancée, anywhere from $15,000 to $20,000 a month or more on big months.
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He was overpaying himself. Right. overpaying themselves taking on debt they didn't needed uh they didn't need um yeah spending out of the business haven't paid taxes in three years so he owes back taxes for those for that business for all through the last three years wow like he's mentioned like some like 20 something thousand but you're telling me 80k is market rate to run a branch in your field
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Yes, I'd say yeah. That'd be the higher side, you know, with his experience and his repertoire and being able to handle sales and logistics.
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He doesn't have to. He's a valuable asset to the team, but it's just trying to figure out the balance between being a good guy and making sure he's taken care of. That's why I feel like I need to see something. I know him, like I said, as a friend from prior to business. Long story short, I started helping him. Helped him build his business. We had disagreements.
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I was like, hey, I need ownership in this thing. It was kind of like a young start. I'm relatively young. And we went down the road of no. So I left, started my own business in the same field. Now acquired his business line. Sure.
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Correct, yeah. Then what's that number?
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Max number that's not charitable, 85 to 90, like not much higher than that. That would be like the best of the best.
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Okay. Yeah, the other reason I guess I was justifying it was partially the debt, but then also partially like, well, look, we wouldn't have this business line. But I was telling him, dude, there has to be a balance. You can't just say, oh, well, you wouldn't have this business line if it wasn't for what I created. But it's like, well, you wouldn't have a business at all if we didn't step in.
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And now his employees are getting way better ratings, better performance. Everything's improved. Everything has improved from A to Z.
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I'd rather do that, yeah. Exactly. In all honesty, business numbers, I'd rather hire someone else, train them. There you go.
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All right, Dave, you have some strong opinions.
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I think so. Okay, because you really prefer credit unions over big banks.
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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.
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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.
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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.
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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.
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Yeah, absolutely. And I love it. 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.
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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.
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Three months ago. So I worked for this company for 10 years now, but two years, a year and a half ago, it was sold. The person that has it now stopped talking to me about three months ago. Does it unshunned? I can feel it in the air. Meetings I used to be included in. to do the thing I'm doing, but you never get the feeling that I'm not valued. Yeah.
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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.
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Yeah, you guys, it's so easy to join Fairwinds no matter where you live. So go to fairwinds.org slash Ramsey.
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Fairwinds is federally insured by NCUA.
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I'm good. So my question is, I paid off my... Only debt I had, which was my car payment, and I have about $600 extra, and I've been putting my money paycheck to paycheck into different TFSA accounts. I have three TFSA accounts, and I got two RSP accounts.
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running right now but i want to put my money into something that will give me more money back when i retire or like when i go buy a house and i don't know where to start to put my money into that do you have any savings i have like 12 000 that's it okay is that considered your emergency fund is that enough for three to six months of expenses So the three, six months, I have about $5,000.
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Yeah, it's just in my RRSP. Those ones.
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Yeah. I can't take money out of my RSPO so I get taxed.
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I would like to get a house down payment in within like 10 years by the time I hit 40.
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Oh, thank you. But also, do I continue even putting money into my RRSP account? Because I heard someone say, you shouldn't. You should just keep your money into a TFSA account. It would give you more...
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Hey, how's it going, guys? Hey. Quick question for you here. So I'm planning on moving in with my longtime girlfriend by the end of the year probably. Buy her dinner first. Yeah, I've bought her plenty. So she's actually been in school for the past couple of years and will come out earning – she's in graduate school. She's going to come out earning a pretty good chunk, maybe close to $130 to $150.
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And I'm just looking for some help on how to budget that because she's going to be the higher income earner, but she'll also have a lot more student loans. So just looking to see how you guys would recommend we balance that household budget. Well, that sounds like you guys are combining finances. That is the plan, yep, or at least in some way contribute to the household, the goals together.
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I have none. And I have a pretty good savings investment accounts built up. We're both really young. So I'm in a very good place. She just has the student loans as well.
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No, we're going to rent an apartment together.
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Yes. I'm not planning on paying off her loans, but I'm wondering how much she would expect. I guess that would be a conversation for her, but how much she should contribute to the household versus living off of one income, having her use her income to pay off the debt primarily.
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So probably at most, probably getting up to around $200,000. Yeah. How long have you guys been dating? We've been dating about three years. And you've never lived together? Well, she's been in school for the majority of that time, and we've actually been doing long distance for about two years of it.
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But any time she comes home, we are those staying together, so we sort of have a history of living together for a few months at a time, and it goes really well. Of course, we have those long-term plans together. How old are you, Jake?
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Yeah, that's on the agenda for both of us.
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Give me a date. Five years down the road engagement, probably. Why five years? Hold on, another five years? Yeah. Probably something like that. Why? Maybe at least three at a minimum. What's up with the minimum? I'm calling in for financial advice, guys.
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True. Good point. Yeah, I mean, we're just sort of feeling it out. We're not in any rush right now. I want to enjoy time together while we're young, and we know the vision we have, so we're not in a rush to get married. We just want to enjoy our time together.
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That's sort of what I'm getting at is because we are both on the same page financially. I'm a very financially conscious person. She knows my attention and dedication to just building a future for myself and ourselves there. So she wants this paid off. She wants to contribute towards the household. So I guess a big question of what I'm asking is,
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With this future we're both envisioning for ourselves together, marriage aside, we'll table that for the time being. But how much do you think? Is it, at this point, 50-50 split? Or would those plans to marry down the road, should it be maybe I do first?
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Let's go to Zachary in Los Angeles, California.
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So I don't have an IRA or any actual plan, so let me just start by saying that, and that keeps me up at night. I just didn't do what I needed to do. I have $60,000 in savings. I have $2,000 in credit card debt. I own one home outright. Whenever I look at that on one of the sites, it goes anywhere from $700,000 to $800,000. And then I have a second home with a current mortgage on that.
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Hey, thank you guys so much for taking my call. The issue that I'm having, it's actually more of a moral dilemma, and I'm looking for some guidance from you guys.
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I appreciate it. So about a year and a half ago, I got quote unquote recruited into the insurance industry. As I'm sure you can guess, it's the whole life insurance industry. And I graduated from college in 2023 and just graduated from grad school about a couple weeks ago. I'm a full-time college basketball player, as well as working part-time. I got married in August, and so...
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My moral dilemma is a little bit unique because this industry has done a lot for me financially, but the more that I've listened to you guys and the more that I've just grown to learn the financial industry as a whole, the more I am struggling to sell a product that I don't necessarily believe in. Did you ever believe in it? What caused the turn?
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I got a cold DM on Instagram about a guy that played sports in college and does sales and stuff. I was like, oh, that should work for my situation, and my managers allowed me to do it part-time, and I really got to kill it when I was working full-time, and I didn't have a great understanding of the product at all.
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I just knew it was sales, and it became delucrative, and so it was one of those things that was difficult to step away from, and especially getting married, I'm not sure.
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I just listen. I mean, listening to you guys, if I'm being completely honest, like I understand, like if you, I was pretty naive. Like when I started, I just knew it was sales. I knew it was insurance. You're getting pulled by all these people that it's helping people. Um, you know, it's, it's, it's a product, it's cash value, it's building, it's an investment.
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So you're learning from people that don't know. And then you learn a different side and you do research. And so that's where it was really kind of more difficult for me to, you know, And the kicker is I'm actually leaving in three months to go to Europe with my wife to go play professional basketball. Nice.
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And that's that's really like the quote unquote dilemma is like, is it something that I should? Because the earnings potential through the summer is so high and it's just so, like, conflicted with, like, do I provide for my wife and I versus what do we do?
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It's, it's becoming more difficult too. And I, like I said, I want to just preface it by saying I'm, I'm super blessed with an incredible wife and incredible faith and incredible family. So it's like, I, I am so blessed in my life and I never take that for granted financially, uh, relationally. And so, um,
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I just like the work that I've been doing, especially the last month since I've been done with school and basketball and trying to get back into it full time has been much more difficult this year than it was last year. Right. And why is it difficult? Because of that little voice in your head.
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I owe $279,000 on that house. Is it being rented? Yes, my son currently lives in it, and he rents it. He's good about that. I want to try to keep it.
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Yeah, most likely the middle to end of August. And that's also kind of the other part of the question is, like, what does it... I don't know if there's advice or what does it look like because it doesn't really feel like to me it makes a lot of sense to make a change, a career change.
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I mean, need is... I don't need, I guess, quote-unquote, need any money in terms of, like, we have... We're pretty... We've set up pretty well. I mean, we have about... The thing for me is just... Yeah. We don't need anything.
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Not a lot in the first year. It's usually...
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Yeah, I played at Point Loma, Nazarene, and San Diego, as well as Seattle Pacific and Seattle.
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So the total expenses to manage that home is about $4,000. The mortgage, utilities, all of those kind of things to live in there, and he pays that. I don't make anything, but I don't pay anything.
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And the support you get from CHM goes beyond helping you pay for medical bills. Members become part of a family that prays for them when they have a medical event. Try getting that with Cobra. So if you're going through a job loss, life change, or just want to explore other options to save on health care... CHM might be perfect for you. CHM programs start as low as $98 a month.
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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.
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Hi. My question is if you guys would think that it would be feasible for me to be a stay-at-home mom. Um, so I've kind of ran the numbers and I've made a budget for my husband. Um, and it's kind of looked everything over and it's taken him a while to finally like agree to it and be comfortable with it.
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Um, but my thought was if I could get the Ramsey network to quote unquote approve it, then maybe we could make it happen.
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Yep. It's tight, but it's very, very doable. So the reason why I'm still employed is so that I can get my pension. So I'm almost five years vested with the state. And then after that, that's whenever we're looking for me to be able to stay home. So we have a two-year-old and an eight-month-old, both 20 months apart. And so line by line, he makes about $1,200 a week.
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And so it would be tight, but we could do it.
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So everything's paid off besides the house. We just have $50,000 left on the house.
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We do. We have about $20,000 in savings.
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Yep. Yep. So we cash bought a vehicle in March. Um, we traded my old Equinox in for a minivan. So I'm a minivan mom. Um, and so we were able to pay cash for that, which is pretty awesome feeling. Um, and then everything else is paid for. So we have no debt, no nothing. Um, and then he has side job Saturdays and I have side job Saturdays.
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And so I'm a part-time photographer and so he's a blue collar man. So he goes and welds and what does he make?
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Probably right around 70,000, I think.
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I, not his. Mine was, I do photography, and so I charge $300 a session, and I just budget to do two sessions a month. That's very minimum for me.
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So I would be vested for retirement at the end of July, and so then probably August.
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But we wanted to stay that vested so I could get the pension when I retire with the state. But then also I put in extra retirement. So I put in about 15% of my income once I started here. And so I have roughly about $30,000 in retirement just with the state.
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And I love what I do. So I work in recruitment for a college. And I love what I do to recruit these students for technical education. It's just my babies are calling me home.
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Right around $15,000 to $1,900, I think.
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Yeah. So he just turned 31 this week, and I'm 29. And we have him putting $500 a month into a Roth IRA already.
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I am with my current salary. With him, we're at $500 a month for him putting into a Roth IRA.
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Hi, Ken. Hi, George. Thank you so much for taking my call.
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I'm a long-time listener and follower of Baby Steps.
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My wife and I made it to Baby Steps 7 about five years ago. Hey-o.
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Yeah, thank you. We've got a problem. I wanted to run something by you, get some advice, and see what you think.
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So one of the things we're doing well that got us there is investing in our company 401k plans.
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and i work for a small business very small family-owned company at the llc and have been in there 401k about 14 years have amassed about 315 000 at its height in march of this year we know what happened to the market in april so it went down about 250. and around that time the company wants to switch providers So we get a blackout notice. Everything seems kosher.
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However, during that switch, I found out that we were fully divested out of the market for seven days, May 7th to May 14th. And if you've been watching the market, that was a rally period. So losses were realized. I lost about 237 shares valued at $18,000 out of that retirement account. And I've got about 30 more years projected to my retirement date.
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So the question, I guess, is have you ever heard of that? I guess it's standard, I'm told, for retirement. an old 401k provider to liquidate to cash and then spend some days to move out of the market and then rebuy with a new company.
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I owe $279,000 on it, and when I look at that, it's anywhere from $400,000 to $500,000. I bought it when I was older. Amazing.
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Sure. Yeah, I appreciate that. We did talk to the employer. In fact, this happened in 2017 as well, but it was only 15 shares and about $800. Much smaller scale. Yeah. I warned the employer and asked the new advisor, hey, I've got scars from last time and the stakes are higher. Can this be avoided? And it wasn't avoided. When I followed up, the response was, sorry, that can happen.
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Thank you so much for both of you taking my call, and I'm sorry if I sound a little nervous. I'm
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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.
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I also discovered that there are a lot of rip-offs 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 We'll be right back.
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fired from my job and i don't know um if i'm going to be able to find work and so i'm trying to figure out what my next steps could be what do you do right now i do i work for a home care agency and i do billing payroll scheduling and i hire okay i've been doing that for two years jack of all trades yeah but but but very administratively gifted i'm gathering
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Hey, thanks for taking my call. I just have so many different lines of debt, lines of credit, and I don't know exactly when each payment's coming out or how much is coming out. I'm just wondering how I kind of get that under control.
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Well, it's really only been a big issue since I bought a house.
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It's a brand-new house, so no repairs or renovations, but those door-to-door guys are pretty good.
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Was this $4,000 vacuum? We got it for $1,500.
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Yeah, who's we? Me and my wife got married in January. We bought the house in December.
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We are very much together on feeling the brunt of it. We both work together a lot on getting us paid. We don't right now have an account together. which we need to do. Uh, that's something we've talked about is getting a bank account together. A hundred percent.
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Uh, I'm not sure I completely understand. I don't think I have.
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No, no student loans, and we both have a paid-off car.
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Um... That's kind of spotty right now. I just got a new job. I'm a waiter, so it goes up and down. But we've both made consistently anywhere from $60,000 to $70,000 each the past three years.
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You said a new job. More like $50,000 this year.
The Ramsey Show
Sacrifice Now To Secure Your Financial Future
Well, the company I worked for transferred me to a struggling location, and then I quit that job to become a door-to-door salesman, and that just worked out. What are you selling? Well, I don't do that anymore.
The Ramsey Show
Sacrifice Now To Secure Your Financial Future
I was selling internet. Yeah, I was selling internet.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
Thank you. Thank you. Thank you. Thank you.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
When you go through a job loss or job change and lose your employer-sponsored health insurance, there's no better time to try Christian Healthcare Ministries. That's right. There's another option besides COBRA to take care of your family during that time. Because if you didn't know, the cost of COBRA has gone up a lot in the past few years.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
And CHM is an affordable, biblically-based alternative to health insurance. So do your own research. The CHM is a great option that's potentially a third of the price of Cobra. It's a health cost-sharing ministry that's helped hundreds of thousands of families like yours take care of over $11 billion in medical bills since 1981.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
And the support you get from CHM goes beyond helping you pay for medical bills. Members become part of a family that prays for them when they have a medical event. Try getting that with Cobra. So if you're going through a job loss, life change, or just want to explore other options to save on healthcare, CHM might be perfect for you. CHM programs start as low as $98 a month.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
So find out more at chministries.org slash budget at chministries.org slash budget.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
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.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
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.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
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.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
Yes, I have, George. Sketchy and never trust them.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
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.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
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.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
I am doing pretty good today. Are you able to hear me pretty well?
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
So I am wanting a great startup advice on how to start paying off my student loans. I am 25 years old, and I am on the end of my road to become a licensed therapist. And during between the ages of 21 to 23, there was a lot of struggles, unfortunately, to where to the point I was possibly stealing food or risk of homelessness.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
And when I have found out about refund checks, I was accepting multiple loans just to live off of those refund checks from ranging of $4,000 to about $7,000 to And now being 25, I have about $135,000 in student debt. I'm not out of college or graduate school yet, but I'm wanting to go ahead and start tackling this.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
I absolutely agree. That is, That is one thought I was having because, unfortunately, in the state of Tennessee, a typical counselor's salary is only about $50,000 to $60,000 a year.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
I will be done with my classes by May, and then I'm starting my internship May 26th to November 2nd.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
No, this is an unpaid internship, but I already have a full-time job at another treatment center. When does that start? How much does it pay? Is that starting in November? No, so I'm currently working a full-time job right now, but my unpaid internship starts May 26th. Okay.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
I make roughly about... $42,000 a year.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
Roughly about just the same. Because right now for mental health technicians, that's just what I work as. It's going to be about $22 an hour.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
Okay, so for a therapist, it would really depend ultimately on the agency to where hopefully I can try to make about $55,000 to $60,000. That's my dream to start off with.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
I have not paid all the way through yet.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
I believe, oh gosh, it's still, you're talking about my student loans itself?
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
No, I do not have... Well, the only credit card I do have is care credit just for my dog to take him to his yearly debt appointments.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
That is about... I have the exact number right here. I have about $10,000 left on that.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
She didn't sign anything, did she? No.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
And the good thing is that I also got, I don't really know how to quite use it. I did get a life coach and spiritual coach certification to maybe open up another side business as well.