William
Appearances
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
Well, as somebody who attends his press conferences on a regular basis, I would tell you right now he's running for president. He doesn't talk like a governor who cares about the people of Illinois, that's for sure. He's setting himself up to be the anti-Trump. And for anyone who might be laughing right now and saying how... how could Pritzker possibly think that he has a shot at the White House?
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
I would like to caution those people. I know that that doesn't include you, Charlie, because you know better. But I warned a lot of people about this guy, this state senator who became a U.S. senator named Barack Obama. They laughed. They laughed so hard. And The fact of the matter is that a lot of horrible viruses come out of not only Wuhan, but Chicago, Charlie.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
And don't think that we might not have a President Pritzker on our hands very soon if we're not careful.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
Oof. Well, you know, he likes to say that he fights Nazis. In fact, I've never heard anyone talk about Nazis more than J.B. Pritzker. He's got an obsession with Nazis. I think they should open up some kind of a civil rights DOJ, civil rights investigation against Nazis. based on his Nazi obsessions.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
You know, he, I think in that same speech that you just showed some video of, he said that whenever you see an authoritarian, you should punch him in the nose. I mean, if I got that quote right, if I didn't, then forgive me. But I will say this, as you well know, Charlie, if I said that, I would be charged with a hate crime.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
If I said, you know, equal or opposite, you know, whatever that, if I said something that might suggest punching Pritzker in the nose, I would be charged with a hate crime. I would be convicted and I would be sent to prison for between 45 to 90 years.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
Maybe Charlie Kirk is on the college campus.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
You better believe it, Charlie, and book it. It's happening. He's running for president of the United States of America, and his family really isn't off limits because if you really scratch even a little bit, you find out that there are NGOs in to the tune of millions or billions of dollars. There's, you know, Epstein flight logs that I've, you know, that we are trying to verify.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
And, you know, it's very, very hard when you can't really, you know, get all of the information, but we're trying to, we're trying to verify all of this information, you know, and, but yet Pritzker thinks he's above anything because he, At his press conferences, all he ever talks about is how tolerant and good he is. He's a master at the gaslighting.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
I really need to, as you just perfectly did in your last previous segment about Brazil, I can't really warn America enough about what a Pritzker presidency would look like. He locked down Illinois. He locked down the schools, the churches, things that I never thought would ever happen in the United States of America. We went out every night with our camera crew. We saw the looting.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
He didn't lock that down, the looting, the rioters. When he campaigned, he was very, very charming, very talking business. And a lot of people thought, well, in Illinois, maybe this is as good as it's going to get. The second He had the opportunity to lock it down and loot it. He did with a zeal that, honestly, to quote his favorite chapter in history, looked pretty Nazi-like.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
Well, I think that Pritzker believes that the migrants that he has allowed into Illinois will save that, turn that around for him. He wants them to vote in local elections. I mean, we all laughed. Well, not all of us, but a few people laughed when they heard this replacement theory. You also have to understand that in Illinois, migrants, non-citizens, call them whatever you want,
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
Illegal aliens, I think we're allowed to say that now, Charlie. I don't know if we're allowed to have freedom of speech, but if we are, illegal aliens are now receiving driver's licenses. And they're not the old illegal deals that I tried to warn people about a few years back. They're actual driver's licenses that are indistinguishable from the driver's license that you or I carry in our pockets.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
So who's going to tell migrants, non-citizens, illegal aliens that they can't vote in a federal election? I know that the president has recently come out and said that he's trying to prevent that from happening. Pritzker is already spending his millions or billions to make sure that it does happen.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
He would spend all the money that you have. He'll take all your money and spend it on his campaign for president. Trust me.
The Charlie Kirk Show
Will Dems Run On "The Gay Agenda" in 2028?
Guaranteed. And then some and then some. Yeah, this is not this is, you know, we can joke. I mean, if you don't joke, you'll get the only way to prevent yourself from getting too angry or too sad is to joke. Right. But they haven't taken that away from me yet, Charlie. But but this is this is deadly serious.
The Charlie Kirk Show
Ask Charlie Anything 207: Saving Idaho? Surgeon General and Smut? Amfest Breakout Sessions?
Hi. I wanted to know what you know about monetary reform in terms of using monetary reform for reducing the debt.
The Charlie Kirk Show
Ask Charlie Anything 207: Saving Idaho? Surgeon General and Smut? Amfest Breakout Sessions?
No. Actually, Bill Still of the Still Report has been in the movement for about 30 years, and he's done a number of documentaries, and he has a plan to use U.S. notes instead of Federal Reserve notes for reducing the national debt. And this is something that Abraham Lincoln actually did for paying the Civil War instead of taking on new debt.
The Charlie Kirk Show
Ask Charlie Anything 207: Saving Idaho? Surgeon General and Smut? Amfest Breakout Sessions?
So the issue is, is the Federal Reserve was formed in 1913, correct? It was formed by an act of Congress, and they actually were delegated the ability to issue our currency as Federal Reserve notes. Now, back in the Civil War, Abraham Lincoln used what is called U.S. notes or greenbacks to pay for the Civil War without having to go to the banks to borrow money.
The Charlie Kirk Show
Ask Charlie Anything 207: Saving Idaho? Surgeon General and Smut? Amfest Breakout Sessions?
So the idea is that as a sovereign country, we should be able to issue our own currency without having to borrow it and increase the national debt. The currency should be managed by Congress and the US Treasury.
The Charlie Kirk Show
Ask Charlie Anything 207: Saving Idaho? Surgeon General and Smut? Amfest Breakout Sessions?
So – What would happen is this is Bill Stills' plan of the stillreport.com. He's actually done three documentaries on it. One is The Money Masters. The other is The Secret of Oz. And the other is Jekyll Island. And the plan is that you would use these U.S. notes to pay off – the bonds as they become due because a good portion of our bonds are short term notes, thanks to Janet Yellen.
The Charlie Kirk Show
Ask Charlie Anything 207: Saving Idaho? Surgeon General and Smut? Amfest Breakout Sessions?
And instead of paying them off by incurring new debt, you instead would pay off the notes, pay off the bonds with these U.S. notes, which would look very similar to to Federal Reserve notes, except it says US notes at the top, and it has a red seal on the currency instead of a green seal. And it's issued by Congress rather than borrowed into existence.
The Charlie Kirk Show
Ask Charlie Anything 207: Saving Idaho? Surgeon General and Smut? Amfest Breakout Sessions?
Because right now, banks can just create money out of thin air, private banks. That's how money is generally created. And What Bill Still is saying is that we should, as a sovereign country, we should be issuing our own currency as we need to, as we need it, without relying on central banks. Got it. Private central banks.
The Charlie Kirk Show
Ask Charlie Anything 214: Picking Campus Visits? Vegas Shooting Truth? 2025's Most Crucial Election?
Hey, Charlie. So I know with confirmations coming to kind of wrapping up, the next thing is going to be moving legislation. Of course, that's going to bring up whether we should nuke the filibuster. It seems like both parties have folks wanting to do that. I'm not to the point yet, but I do think that there might be some things that they could change in the Senate rules.
The Charlie Kirk Show
Ask Charlie Anything 214: Picking Campus Visits? Vegas Shooting Truth? 2025's Most Crucial Election?
to hopefully get legislation passed, like I believe now you've got to have three-fifths of members for cloture if they were to make it three-fifths of members present, so everybody would actually have to stay on the floor, stay in town, couldn't go out to eat with lobbyists. Is anything like that being discussed that you're aware of?
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
I'm on my lunch break.
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
So I'm in South Carolina. So after Mason joined the military, eight years Army. Thank you for your service.
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
No, so I'm a veteran, fresh veteran. Last day officially was March 7th. Congratulations on a great career, brother.
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
Thank you. It's a pleasure to serve. Thank you. Thank you. What branch? Army.
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
No, it's all love. If you got a shameless plug, there's a track meet for my best friend who passed away, Devin Brewer, Invitational. So I'll drop you guys a link or something if you want to submit. We have a scholarship foundation. So, like I said, all love. Taylor, hey, blessings to you, man. He's gone already. Man, I love this guy.
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
I prefer to drive myself places, so I'm not really a 4'9 guy.
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
So my buddy actually sent it to me. I did some research. So for Taylor, our team actually won that race. Taylor ran a great leg. I'll give him his credit. I'm not a 400 runner. I was a hurdler in college, in high school, a state champion, All-American. It's
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
I'm a hurdler. I'm not a 400 specialist, but we did win that race as a team, so we got that.
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
I'll tell you what I heard. I remember he had some wheels on him. I'll give him that. Taylor, get up here.
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
That's fair. That's fair. I looked you up. You were an athlete. I give you credit, man. I give credit where it's due, man. Yes, again, mutual respect. But, hey, like I said, 4x4 is not my thing.
The Dan Le Batard Show with Stugotz
Hour 2: TAYLOR, DEFEND YOURSELF!!! (feat. Anthony Williams a.k.a. Jason 'The Jet' Mason)
No. Like I said, I'm a hurdler. Hurdling is my specialty, man. You know what I can tell, though?
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Because it's the time of year where we get to predict who's going to win the Super Bowl.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Yeah, I mean, it was considered taboo. I mean, you weren't like a locker room guy if you decided to request a trade. I mean, there are times where I wanted to request a trade, but I didn't feel like I could – So I was always envious of the guys who had the courage to ask for what they wanted.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Actually, it wasn't. It was pretty much day one in New Orleans. I mean, when I went to the press conference when Coach Ditka had the dreads on, that would have been great.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
It's the same sign or the same astrological archetype that makes someone a football player. So it's Mars, it's the god of war, is when the bullets are flying, who has the ability to keep their mind straight and aim accurately and hit the enemy. And so any great football player, I think the way we define greatness in football is who has the ability to perform under pressure.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
And so in Aries, Leo, Sagittarius, what we call fire signs, are the signs most equipped to handle pressure.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
We played Julius Peppers one year when I was in Miami, and Jake Long, our tackle, was out. And so just looking at Julius Peppers and how massive he was and we couldn't block him, it's like the whole game was over from one player on the field.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Yeah, well, there's maybe maybe he is, you know, you know, we have the generational debates, but Julius Pepp, just I never had that experience or one person on the field could really dominate the entire game.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Yeah, we do retreats out here, and I've had a bunch of people come. I think we've had almost 20 in the past year, and 90% of them found me through these conversations. So it's been great, a way for me to get to know fans on a deeper level. It's great to be able to have astrological conversations with other sports fans. It's been fun.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
I'm not there. I mean, you nailed it. He's pretty bad at it. But I will say, Valerie's really good. Because in order to be good at astrology, you have to have a lot of curiosity. And so, yeah, he sits in the corner and he waves and says hi. And then he comes in and does his joke. And then Valerie fake fake laughs and I smile and then he's like, all right. And then he goes, he does a joke.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Well, it's interesting to me that, you know, I used to be a pundit. You know, I did a little football, a little TV stuff. And people would, you know, ask me to predict the game. What's going to be the score based on what you've seen? What do you think? But from an astrological perspective, it's not a consideration of what do I think?
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
It's when I ask the question, what does the chart say is going to happen? You know, in the olden days, they would cut open a goat or a sheep, and then they would look at its entrails, at its liver and its intestines, and based on that, they would say, this is what's going to happen, or this side of this country or this nation is going to win the battle.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
But with an astrological chart, I asked a question, and it's a cool technique, because from the moment you ask the question, you look at the chart for that moment, and it gives you the answer.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
and so i was thinking about what what is the moment where i'm going to ask the question and what question am i going to ask and i decided the question i was going to ask is are the chiefs going to win again that's the question and when am i going to ask the question so i said i'm just going to wait until it feels like it's the right moment to ask the question my son blaze was in town this weekend and he came over and he said who do you got in the game next week ah
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
And I was like, okay, this is the time to ask the question. So I went on my phone and I created a chart for that moment in Grass Valley, California, where I live. And I looked at the chart to determine who's going to win the game. So it takes away anything I know about football and it goes straight to the stars. It goes straight to divination to decide who's going to win the game.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
And to me, that's cool.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Yeah. I didn't choose his name. It's his middle name, but he goes by Blaze. And his mom chose the name, but it was obvious what we were doing when we made him.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Marley. Her name's Marley.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
I didn't choose Blaze's name. I mean, it's a cool name, but I can't take credit for it.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Okay, perfect. All right, this kind of astrology is called orary astrology, meaning you look at the hour and it gives you the answer. And in the general rules, if the chart shows 29 degrees, they'd say it's not a good time to read the chart because it means something is about to end. All right, that's the general rule. So when I pulled up the chart, it was 29 degrees Leo.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
And Leo is the sign of royalty. So my interpretation was 29 degrees Leo means the end of a dynasty. That's the first. To me, it was clear. It was like a clear image. end of the dynasty. Another technique you'd use is on the left side of the chart, it represents the team you're asking about.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
And because my question, where are the Chiefs going to win, left side of the chart represents the Chiefs, right side of the chart represents the Eagles. In the chart, there's a lot more planets on the right side of the chart, which means that the Eagles have more power. So another indication that maybe the Eagles are going to win.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
And then I looked, and for the Chiefs, that there's a lot of energy for prestige. And they're the Chiefs. And the planet Uranus, which is a planet of things changing really quickly, going back and forth, being unpredictable, is really strong also.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
So my interpretation is that it's going to seem like the Chiefs are going to win, and then something crazy, some reversal is going to happen, maybe towards the end of the game, and the Eagles win, and it's the end of a dynasty.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Well, I mean, this is something and the reason I reached out and I'm excited about it is because this is this orary astrology thing. It's been around for forever. And I've known about it forever. But just in the past month or so I've taken a deeper interest into it. So I can't say I'm an expert, but I can't trust myself to learn. So
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
I feel like if I have an opportunity to throw it out there, put it out, and there's something there that it could turn into something very valuable because where astrology and football overlap, no doubt is gambling.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
And as I think about how to use astrology for gambling, it's not about looking at the individual's charts because you can't go inside of someone's head and know how they're going to handle some kind of situation. But this type, this Orrery astrology was specifically built to answer these kinds of questions.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
And even as I get better and better at this, and someone who knows football and learns a little bit of this technique, they can use it to be able to help themselves gamble. Because the more you understand the game and the more you understand what the chart is saying, you can see when it's saying something and when it's not.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Because they're not saying that this technique works every time, but if you learn when it works and when it doesn't, someone can make a whole lot of money gambling on games.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
No, it's my office upstairs in my house.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
So if I showed you the rest of the office, you would change your mind. So right here, I have a picture on the wall. I have pictures of me and all my mentors. Over there is all Linnea's astrology merchandise stuff. We have essential oils. I have my crystals right here. So this is the one boring place because right back here, right behind the chair is where I do my yoga.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
So I try to keep this area clean.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Thank you.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
I don't know. Thank you. Thank you.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Thank you.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Thank you.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Thank you.
The Dan Le Batard Show with Stugotz
Hour 2: Top 5 Gabes and Super Bowl Horoscopes (feat. Ricky Williams)
Thank you.
The Dan Le Batard Show with Stugotz
Hour 1: Hawk's Lying Uncle
Deep dish pizza is closer to lasagna than it is to real pizza. To William from Winter Park, and this is my limited steak Mickey Mouse. Oh, boy.
The Ramsey Show
Discipline Is the Key to Building Wealth
How's it going? I'm doing good. How about yourself?
The Ramsey Show
Discipline Is the Key to Building Wealth
Well, uh, what inspired his phone call is I'm getting a bonus check. It should clear on Friday. I will clear $3,800. I'm still working on paying off debt and my truck broke down earlier this week and I'm, I found out I'm going to be losing my job sometime after one year, but before two years.
The Ramsey Show
Discipline Is the Key to Building Wealth
I make with the overtime about 58,000 a year. What do you do? Did I mention I was trying to start up a landscaping business as well? I'm sorry if I didn't.
The Ramsey Show
Discipline Is the Key to Building Wealth
I need $400. And I know that sounds a little bit ridiculous, but I used to own a landscaping business when I shut it down. But I already have all the trucks, the trailers, the equipment. I just need to do a few tune-ups and a couple carburetors is all I need to get that up.
The Ramsey Show
Discipline Is the Key to Building Wealth
I'm doing good. Thank you for taking my call.
The Ramsey Show
Discipline Is the Key to Building Wealth
Yes, so I'm going through your Baby Step program currently. I'm past Baby Step 1. I have about $3,000 in savings. I'm on Baby Step 2, paying off debt to be debt-free. I currently have about $10,000 in debt. But my question is, is after I pay off all my debt and I'm looking at baby step three to save three to six months of emergency fund, you know, but I ultimately want to be able to buy a house.
The Ramsey Show
Discipline Is the Key to Building Wealth
And with our current financial situation, to me, I just don't see a way of being able to get there, even following the baby steps.
The Ramsey Show
Discipline Is the Key to Building Wealth
So it was a little over $10,000. I've already paid off about a $1,500 toll bill. I paid off a $343 bill in collections. I'm looking at paying off another $700 bill in collections. So you paid off $2,000 or $3,000 of your $10,000 so far. How long have you been working on this? This actually was more recently, so I started doing this this month with my tax return.
The Ramsey Show
Discipline Is the Key to Building Wealth
Yeah, I appreciate it. But I have about $9,000 left in a vehicle loan, which should be paid off in a year and a half if I just keep making the payments as I am.
The Ramsey Show
Discipline Is the Key to Building Wealth
Your name has definitely gone around my church a lot.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Yeah, so I'll get right to the point. So me and my wife, first off, huge fans of the show. We've been doing the baby steps for about a month now. We're totally sold out, changed our life, changed everything about us. But I guess, yeah, the issue that we're having is we've been attending a church for about 10 years, 10, 11 years, I can't, I don't, somewhere around there.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
And, well, our pastor isn't aligned with this viewpoint of debt that we now have. And we're just wondering how to navigate that. Because, like I said, it's changed everything about our life.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Let me think. From the pulpit, no, but I have a close relationship with him. I know his viewpoints and the way the church structure is. And I'm not hating on him. I love the guy. He's done so much for me. You know, it's mentally straining. You know, his mentality is you'll always have debt. Debt's a part of life, right?
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Yeah, like I said, I don't think he's preached a message on debt or used that.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
passage i think you know he just you know he looked and you know everybody you know just like everybody else you know looks at the world we live in and you know everybody uses debt you know they think they leverage debt okay let me throw another one at you be not conformed you know that one to the pattern of this world be renewed by the does that not ring a bell for him either that we shouldn't conform to culture and the stupidity of it
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
No, I totally get what you're saying.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Yeah, because it's different than a friend. You know, he's my pastor, and I love the guy. Yeah, but here's my question.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Yeah, I don't, you know, it's, so for me, me and my wife now, this has become part of our doctrine, you know, for me, because I've struggled for so many years. When me and my wife got married, ever since we got married, debt has been such a huge thing for us. It's kept me up at night, you know, everything you guys talk about. And then we started the baby steps, and there's peace now. Right.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
But to be in a position where you don't feel comfortable to talk with someone you respect because you know their response, it's just mentally draining.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
No, no. That's the thing. Like I said, we just started. I haven't really brought it up to him yet. Okay, so here's what I'm trying to get at.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
Everything's doing very well, thank you. I'm glad. How can I help? Mr. Ramsey, first, thank you. I hooked into you about 15 years ago, and you've changed my life.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
Well, because of your input. Well, thank you, sir. I have about $100,000 that I need to put into my house because of water abatement and mold. Ooh.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
We've been in the house for 30 years, and I've just been putting it off and putting it off.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
So I have about $800,000 in retirement, a mixture of Roth IRAs and traditional IRAs.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
Okay. Not through a home equity loan.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
Okay. And here's the reason I ask. I have a pension and Social Security that puts me at about... 85,000. Yeah. So if I, so if I take a hundred thousand out of my retirement, I'm going to have to pay 30% tax on much of that.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Hey, so my wife and I were on Baby Step 2, and it kind of took us a little bit to get there, mostly because we've been pretty sick, both of us, for the past few years. And we're seeking some medical treatment to hopefully nip this in the bud, hopefully in a few short months. But the medical treatment that we're looking at that was recommended by our doctor is experimental.
The Ramsey Show
Your Future Self Deserves Better Choices Today
And it's not covered by insurance. And the treatment is going to be between $10,000 to $30,000. So we're kind of in a position where we... Are you there, Andrew?
The Ramsey Show
Your Future Self Deserves Better Choices Today
My phone's a little weird. So, yes, I don't know if my wife and I should actually take out a loan or not. We really don't want to, especially since we've been getting out of debt.
The Ramsey Show
Your Future Self Deserves Better Choices Today
We got pretty sick from the home that we were living in.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Yeah, so it's just been a lot of stuff that's been going on where a lot of the treatments have been not either FDA approved or treatments that have been getting us better. We are better, but it's just been a really long process. So the last time we talked with our doctor, he said that We should try and do like a hyperbaric treatment, which seems great.
The Ramsey Show
Your Future Self Deserves Better Choices Today
You know, he's had really great success with it. But the only problem is that the payment has to be up front. And so that's the only issue.
The Ramsey Show
Your Future Self Deserves Better Choices Today
no insurance won't cover it tell me um just health-wise are you guys able to are you able to work are you able to function like how are you guys you said you're doing better i'm just trying to get a gauge about how urgent this this is for you guys yeah so so we are better um and we are both working right now um we make about i want to say close to 70 or 80 000 right now a year okay um
The Ramsey Show
Your Future Self Deserves Better Choices Today
The only problem with this is that the longer we put it off, the worse it'll get.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Yeah, we're able to put close to $600 or so a month into debt.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Right now we have about, I want to say about $20,000 in student loan debt and then about $50,000 in a business loan. Okay.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Lord willing, it'd be, it'd be just a one time, like, you know, one, one to two months worth of treatment. So it'd be 20, 20 sessions is like, is about $10,000 on the high end. So we hope to be done in about a month.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Hi, so I have a few questions, but... So I'm looking at going to trade school or well trucking. I don't know if that's considered a trade, but trade school, I guess. And I don't have enough in my savings. I just have enough for the emergency fund. Um, I'm currently on baby step number two and I have $24,600 roughly in debt.
The Ramsey Show
Your Future Self Deserves Better Choices Today
And so I was wondering if, um, I know you guys generally say not to take out student loans. Um, and this is, It's not a huge student loan, but it's still money. It'd be $6,500. And I was just wondering, should I pay off my debts first, which would take me around two years?
The Ramsey Show
Your Future Self Deserves Better Choices Today
It would go roughly from $60,000 to $120,000, so double.
The Ramsey Show
Your Future Self Deserves Better Choices Today
It would be roughly for about two months and then trying to get a job after that.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Yeah, so I would be working for a company and I've already talked with the owner. Okay. And roughly around 100 is what he's going to be starting me at.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Um, at my current amount, probably in around four months, three, four months.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Great. Yeah, that's kind of what I was thinking was once I get that jump in income, change absolutely nothing. Just because I have more doesn't mean I have to spend more.
The Ramsey Show
Your Future Self Deserves Better Choices Today
And then just knock it out. But also, my other question was, so out of that $24,000, $20,000 is auto loan. And I was wondering, should I just sell the car?
The Ramsey Show
Your Future Self Deserves Better Choices Today
And so you're... Yeah, I'm a very big... Yeah, I'm just like when it comes to cars, like I was doing research for months. I'd never buy any warranties and never did any of that.
The Ramsey Show
Your Future Self Deserves Better Choices Today
And I would not buy over MSRP, even though I did buy in 2022 when cars were like crazy high and they were doing markups everywhere.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Well, Kelly Blue Booked private parties tell me around 41, but I've had it on Facebook marketplace for about 39 and no luck so far.
The Ramsey Show
Your Future Self Deserves Better Choices Today
$36,000 is what I get through CarMax as like an instant offer.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Yeah, that's kind of like my original choice was like a BMW 750. And those just think like a rock. So I'm pretty glad I didn't do that.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Also, I am a little like still disappointed myself that originally my budget was thirty five hundred or thirty five thousand. Sorry. And then I went and spent fifty five. But yeah.
The Ramsey Show
Your Future Self Deserves Better Choices Today
So I'm in the market of buying a house and I'm looking at buying one and I'm wondering, should I buy a starter home or should I save up for the home that I plan on living in for the rest of my life?
The Ramsey Show
Your Future Self Deserves Better Choices Today
I just got out of debt. I just paid off my truck. I'm building up my savings.
The Ramsey Show
Your Future Self Deserves Better Choices Today
Oh, yes, ma'am. My job, we travel, but we're based out of Tampa. Okay. I don't plan on leaving, and I'm there. Hoping to get moved up soon.