Learn the Power of the Magical Word, “NO”
01:27:27 Share

Live from the headquarters of rami solutions. It's the ramsey show where we help people build wealth, do work that they love and create actual amazing relationship. Number one, best selling author and host of the George cambell show, a big hit on youtube on the rooms in network.

mr. George campo himself is my co osh today. Open phones here as we talk to you about your life in your money.

Triple, eight, eight, two, five, five, two, two, five is the number triple eight, eight, two, five, five, two, two, five. The college three and some say the advice worth exactly what you pay for IT Megan gonna start this off. Megan is in new orland time. Mean, welcome to the rami show.

Hey, guys, think so much for taking my call.

sure. What's up in your world?

okay. So I have a question um in just to paint a small picture. My husband and eye with the married for seven years, we have no debt other than the mortgage on our house.

Since that, we're very thankful and a work very hard for that. We've got two Young kids I built to establish an emergency fund and retirement accounts and college stats for them. But with all of that said that my parents are really not on the same financial passes we are.

My dad is in his eighties now and still works full time. My mom does not work and SHE hasn't worked before. But just recently, theyve been bringing up to us, kind of my husband and I, that they don't know what you're gonna do for a retirement. They have no retirement savings, a very little in a stats and account. They're not even really in a place to afford the house that they own with the money that they're making.

And we're starting to get this feeling that they they are expecting us to take care of them at some point or to do something to help them and without tapping into our own retirement or savings far children's college and things like that, we're just really not in that types of space. And so my question is, is IT too late for them to start putting together a retirement plane? Um what are some options for them or how best really what kind of boundaries do we need to set is a Young family in helping out that other generation and retirement.

I mean, IT sounds almost luter should just say out loud he's eighty and now I thought about reality. 好 wow ah who's like to the party here？ Uh, like twenty years? Oh my gosh. Oh, man. So he's working every day in his.

yes, every single day. And he's one of these people he loves to work. So I think he always will in at one point.

if he came .

and always.

you don't know, always have that as an option. I mean, his health, his health, my fAiling, what does he may?

So he's I wanna a say he's making around rider about one hundred thousand dollars total because he does have social security coming in as well um but around one hundred thousand dollars and but my mom has never worked. And so the question kind of is, yes and when one of them passes before the other, what they're gonna do and that's what they are turning to us is this Younger generation and asking us that .

question .

um and I don't really know what to say you know you know the bible teaches us to honor our father and mother, but how does that translate into something like this?

Well, let me dance that before I forget IT. Honoring your parents means you honor the position of father who is like honoring the present. A mayor may not agree with the president, but I honour the position of president as I make sense.

And I could stop disagree with president um because you might be wrong, you know that kind of stuff, right? So um if mom's doing cocaine, we don't honor that. Okay, that's a misbehavior, but we honor her position as mother.

Does that make sense? So we don't we can honor them and he does not require we give them money. That scripture has has nothing to do with giving them money.

So and there was no financial obligation.

You not not I mean just hor them, but it's just like h okay ah well, I think um we had head this off of the past and I think it's just time for a real clear in person talk the next time you're in town in the holidays are coming up. So here we go, right? So we're going sit down with them and leave your husband out of IT and leave you know whoever else set up and just sit down and go mom and dad, couple things.

One is I love you and and worried about you. Two is what your plane three years. I'm not your plan.

okay. And so since I am not your plan, I will coach you. I will sure for you. I will help you in any way I can. I don't have the financial mathematical band with to be your plan. So if you've got this in your head that somehow i'm gonna pick this up when one of you can't, we need to talk about what happens that if you can't work anymore because your health fails, we need to talk about what happens.

Mom, if dad does, in one hundred thousand hours, years not come in anymore, how you going to stay in this house we need to talk about, because I, anna, love you all well, and as and walk with you as you face what looks like some very difficult decisions to me that you're gonna making and I I hurt for you, and I want to help, if I can, in the coaching and sharing aspect, but not in the financial aspect. And I think you say all that out. Well, what you might discover is that that you know that they maybe have done something you don't even know about. Maybe they're further ahead than you think, maybe they're worse off than you think, but knowing if they if they open up the if they put their cards on the table, faced up, knowing what's going on to going to a lot Better for you just guessing because guessing always makes us think it's worse than IT is.

And some tactical pieces you can do mean is sit down with them and go, let's make a budget together. When I sit down, use every dog. Let me get you connected to do a smart vest pro.

Let's get you investing some of the hundred thousand dollars while you still have IT. Let's look at your total dead load. Do you need to downsize in home? What sacrifices must be made for you guys to retire dignity? You can help them answer the questions, but I would not just start funding their misbehavior for last twenty.

You do not have a moral, ethical, public, or moral, ethical, spiritual obligation to write them checks.

And that's what we've been worried about. We want to see and do well. And we've had some of these initial conversation saying we don't have that .

band with OK. What do you?

So they I think IT may be just some of their own uh, nervousness coming at the kind of law IT off a little bit um in kind of joke saying and this has been said by my mom like, well, i'll i'll just move in with you guys and help take care of your children and that's that's .

not really .

I have and .

yeah yeah I just say, you know what I love you, but I would kill you if you moved in here and you would kill me and so we don't want any murder so we need a different plan.

So SHE might stop living a whole house that was too real, but that these are tough.

But now sell your house and or buy you a condo. That's one hints this as of this house, you're going to pay cash ford and live on social security. Mom, that's what you're going doing.

That's going to your best life now. And you know, you just got a word you got got to push him on to IT. The problem is, is just very difficult.

It's very difficult, but I don't want you to have I don't want you a mission her with that scripture and let that time be turned into an enabling vibe and that that's what you're struggling with you. I want to be a good daughter, I want to be good spiritual person, but I don't want to be in enabled. And he feels like they're been not dealing with now me to deal since they didn't do with IT. That's that's most of amErica right now.

This is an epidemic of silver squatters day lying .

on the kids server.

Squatter.

i'm going to take care your kids. The silver squatters. That's awful. This is the ramsey show. These days, it's not if your identity gets stolen, it's win.

And the only I D third protection plan I have ever recommended is from the insurance IT helps real people with real life situations like the call we get on the show recently where a woman's abusive x OpenAI dict in her name and racked up over eight thousand dollars in debt, then the bank suter, even though the charges weren't hers. What a mess with anders self, SHE was able to get the entire nightmare cleared up, and now her family is officially dead for, listen, Sanders identity. That protection is the best option out there.

They have all the cyber tools and monitoring services you need. They cover all types of I D. theft. And they even include up to two million dollars in stolen funds.

Protect in the end, though, you need an ally, someone on your side, to take over the work and fix the problem. That's what ander is all about. Go to anda com to learn more.

Call eight hundred three five six forty two eighty two. George cm around personality is my cohosh. Today, yahoo finance generation x is gone by many names over the years they started as the mtv generation became.

Notice the latchkey kids were labeled americas forgotten midd child. But as retirement loops closer for generics, a new term is popping up in conversations that captures the anxiety and uncertainty many are feeling. Silver squatters there IT is.

There IT is. It's a phrase that vividly paints a picture of a generation grappling with a looming financial crisis as the edge into their ID fifties without the cushion needed for a secure retirement. The silver nods to the graying hair squatter suggests where they might end up staying with their adult children there. IT is meeting .

in retirement for fifty five years old, which we call children .

the sandwich generation and their sandwich between their kids college and their parents. Lack of retirement planning. And they are supposed to take care of people on both ends of the spectrum in the middle get squashed.

I feel like that would just create a cycle where they become the next silver quarters because they had to take care of the people on all sides, and therefore good in investment retirement, because they were trying to fun moment as retirement. That's scary. I say you change your family tree and go what not doing that.

Well, I think you have to institute. You have to bring out the secret weapon. What's that? The ancient word? Oh, the word that no one is allowed to speak anymore.

You're not allowed to utter IT in american public. Is IT being cancelled? You can't say IT in any place, particularly around government or around entitled people.

You want to hear the word .

I want to hear IT, no, dave, you can't set .

on air or going to get taken off.

No, you pressure tongue towards the room of your mouth, make a kissing motion with your lips. I know you've not used that in a while. No, no.

We're not going on vacation. We can't afford IT. No, we can't keep this house.

We haven't saved anything for retirement. No, you can. At least that car, bozo, your broke.

No, you can't afford a boat. No, you can't even afford the fish the boat would catch. No, you can afford to put gas in the boat that the fish won't catch.

But no, no, no, no, no, no. You no fun. Yes, I am a lot of fun. No.

dave love saying, no, it's when it's I.

It's a great, it's a great boundary exercise. No, mom, you're not moving in with us. No, i've just I just found out today you're called a silver squatter who knew I went with the rogate tory.

I'm not sure that's honoring your parents. But yeah, no, no, no. I have to feed markets.

No, you your eighty years old, you just now woke up and realize this retirement. Where are the hackers? Your brain, forty years ago?

No, no, no, no, no. You can afford the grand vacation. No, you can afford to eat out every night.

No, you're going eat beans and rice, rice and beans. No, eating out. No, no, you're broke.

People broke. People don't do things like that. No, no, you can't have a cell phone.

No, your broke. No, no, no, no. It's the ancient word. IT will set you free.

I want to make that a ing tone and sell IT so bad.

It's just say, no, no, no. Well, it's not a kill joy thing because you're saying no so that you can say yes to living. It's live like no one else so that later you can live like no one else. It's no discipline seems pleasant at the time, but IT yields a harvest of righteous ness. If I want my belley to be smaller, I have to look at a donor and say no, because my belly grows exponentially just by walking past donuts.

much less eating them. I did smelling calories.

no. Fat boy. no. more. donate. No, no.

This could change america.

I'm told that it's an amazing, it's an amazing thing, but no one says IT to each other or to themselves. And when you learn this magical word.

IT will sets you free because I want to be a good daughter.

a good friend, a good you're, I love you too much to let you no really serious, such free I love. So our black friday sale is here, and you don't have to say no to that because the deals are so good.

Some things .

you should see good transition. peace? No, you can't OK if .

you budgeted for Christmas. And if you can .

get hard cover books, shot now for just twelve books, audio books from only eight books, jazz, new book by cellars. money. He's not a math problem on sale right now.

Get rid that we aren't got no money mentality. Total money make over. We've sold a couple of those great gift right now for twelve bucks.

Go to ramsey solutions that comes like store. Check out the Christmas deals. Don't miss IT.

And if you think you're going to miss IT, don't I said, no, don't miss IT. No, don't miss IT. All right, I did.

I the D T. Alex is in finex. Alex, what up?

If you don't .

Better than I deserve, how can we help?

So I had a question um I recently just received her. I haven't gotten to check yet, but i'm receiving the second half of a settlement from a car acx, and I was in two years ago, which is for a million dollars, and i'm wondering if I should pay off my mortgage.

Good word on what happened.

So I was meant my body were on a trip. Vegas and gartner head on collision. Um there are two fatties and the rest of us were all airlift to hospital and fatalities .

in your car. And there was .

one in hours and then one in the other.

Oh my, I am so sorry. Wo ow how are .

you doing now?

I'm doing really good. Still have like the minor things that bothered me, like my risk. Um I have like ninety percent mobility and IT used to be out worse but that then my my apps are still healing. That had a had been two holes in my small tests and hold my Collins so they had to get me wide open. That was quite a human process .

so you can crashed in the accident. Wow, unbelievable. okay. Well, first question is um. If if your income into the near and future or the long term future is affected, we need to set the money aside to some of the money to decide what amt to to offset that.

Are you back to work? Are you are you moving again? What's happening with your income?

Yeah so um before the accident I was you remember what I was doing? I don't think I was working a full time job at the time. Um .

how old? Were you working on education?

No, I got my em t of didn't like IT and have done a bunch of like construction jobs。

So let me ask you this then OK you're twenty three. You've got some aches and pains, but IT sounds like you're largely healed. What's the thirty year old alex gonna be doing? What this life, career?

was. Are we realize I got my real state license and I also do um real, say whole sAiling. And I got a couple of years in the past with my family. OK OK.

all right. And um how much debt do you have?

So the mortgage on our house.

who's our house?

Oh, you're .

married. Okay, alright, I miss that. What did he make?

Makes thirty five hundred demand.

okay. And how much have you been making a real state?

Um I actually i've have been lacking and haven't called in much in last three months.

Um why I I just .

I don't reason my god my licence was so that I could get clients that my my parents on a um probate company and we have points .

and you're twenty three years old, married is a medical condition or why are you not working?

I am like working. I just haven't been working and start like to do. And I haven't been making the calls, and I have been work out OK.

how much do you, your home?

OK, yeah, I pay .

off my house. There's any taxes on any of them won't be pending on structured and and I want you to sit down with somebody in address or IT. Does that makes the son come out again and makes you get your your ambition bone move in again? Because that sounds like this weak hurt you physically, but might have slowed down emotionally as well.

I would have made, by the way, sounds like a horrible accident. I'm so sorry. This is the ramey show.

This show is sponsored by Better help. This month is all about gratitude, and most of us have people in our lives who are grateful for. One of those people for me is the great honor, will Thompson.

He told me at to be a dad, a husband, a professional and had a baLance for a bunch of people all the same time. We all know if somebody else we can be grateful for, but there's one person that we often don't take time to thank ourselves. We don't always acknowledge that we're surviving, that were moving forward and that we're working towards a Better life and Better relationships.

And in a world where everything's gone bunkers, it's not always easy. So here's my reminder to thank the people that you love, thank the people in your life, and thank you. Sometimes we need some professional help to talk to somebody trained to help us discover true gratitude for ourselves and others, especially in the holiday season.

That's why I recommend Better help. Better help is one hundred percent online therapy, and you can talk with your therapy at any time, so it's convenient for your schedule. Just fell out a short online survey to get matched with a licensed therapist, plus you can switch therapy at any time for no extra cost.

Let the gratitude flow with Better help is that Better help dot comes less delon y to get ten percent off your first month. That's a Better help. H E L P dot com slash oni.

George camel ramsey personality is my co host today. If you're ever around the nashville area, we're in Frank, in a beautiful little town to south and nash fill, and you can come by and watch the show. We do IT live on the air, on the glass from one to four mean, folks sit our lobby in over fifty to two hundred of watching the show, and and we charge, like nothing is worth every penny.

And there's free coffee to bribe you, and even Better than that, free homemade ID cookies to bribe you. So when you walk into smells like mom's kitchen in the middle of that lobby, run here on the glass so we can look out the glass and see them. And used to have a sign in here with majors that don't feed the monkey. But then I wasn't the only one on the air, and other people took a fence to that.

And I was in any .

of us monkeys. But yeah, there you go. So anyway, in the lobby is also the dead free stage. Kyle and Samantha is than I deserve.

It's a wow.

Welcome to the south. Thank you. Good to you. And how much debt have you too paid off?

Uh, hundred and thirty thousand dollars.

Good for you. How long would that take? Four years.

Four years. And you're a range of income. During that time.

I started out with a one hundred and thirty thousand dollars and ended up around one hundred and fifty.

Good for you. What are you d do for living?

I'm hi James .

and engineer.

excEllent. Very good. So what kind of dead was one hundred and thirty thousand dollars? IT was our house.

You paid off your house? yes. How old are you too?

Thirty six.

And you paid for house? yes. What's your house is worth about three .

hundred and forty thousand right now.

Very goal. And how much of you guys got in your return ism so .

far in total with the houses over five hundred a thousand?

Okay, you're on your way to million and are already way to go. And you're not even forty years old. Why to go? You too? Thank you. Look at a smart people right here. I love IT.

You got your early thirties. You're like thirty two years old and married a little while. At what point are you married?

We ve got married in two thousand twelve.

yes. Okay, this deep in the marriage. And you guys woke up four years ago and said, let's just going knock out the house. What started a journey for you? Uh.

we one of my co workers at my first job, he said the best twelve dollar ever spent was on the total money makeover. So um I ended buying IT and IT was the best twelve dollars I spent. Wow, thank you.

I don't necessarily always agree on this journey. I would have be lying if I said that you were in a swear word at times in our house.

It's a.

it's a trigger when I hear the word spread sheet. So a trigger .

now thought of my self is a trigger. I didn't think of .

my world a where you dragged and then as you made progress, you want, okay, I get IT what happened here?

Yeah, I definitely.

I took a while. The winner over, still work in progress.

So the engineer nerd is coming in nerrin out your life and you're like, I want to have one a life that is, and you're trying to steal my life. I hate dave. M.

C, that sounds good. I like that kind of that. What did he walking .

with the spread? We save so much time .

and money. If w twelve years.

you may do an engineer. You didn't know that he thinks spread sheet or sexy.

right? I know that. Now this love language work was .

your .

goal four years? Or was IT more aggressive? Did you do IT slower, faster? Well.

once we decide to to pay off the house, that was around two, two and half years, but we had two kids in that amount time to add to our three kids we already had. So party, yeah, I thought I took a little little longer.

Wow, got the game here. Look at that. I look at the dog and the dog.

beautiful. Well done you. Well done. Life is good. Yes.

the number .

one career in the million study that we did, the one most likely to be a millions, an engineer. So there are you. So, but the stuff all plays off after.

So stay typical, doing IT perfect.

You guys as well done. What do you tell people? The key to getting .

out of that is it's .

communication for sure. You have to be on the same page. And it's also important just to have a village around you that support you and .

make sure and our village.

we have our parents for sure. And then we got our friends over here that are with us, too.

So made the trip down for the debt free screen, right? Very good. cool.

So what was the thing that drove you at? what? What your? why? why? Why do this?

I was, I was more worried when we started having kids in trying to pay for college and stuff. So we I just wanted to get out of death because I had student loans and I didn't want my kid's sfh student loans.

So that was a big motivator for me.

Yeah changing the family three and you ve got a lot of IT, a lot of college to be. Yes, I know where that free that mortgage payments go and straight to the five, twenty nine plants yeah wow. What's the first big thing you guys did or are going to do?

Well, I trip to nash bill. We're calling in our yes here now. So now we can say yes to things. Yes.

as day's said earlier, you say no .

a whole lot. So we need to say yes, you do you? So samana, what was that actually did all kidding is that you actually did join the crew, sade here at some point. What caused the change that allows you to do that?

Just for me, my hearts always been forgiving. And just one, making sure that our kids see how important that is and really just being able to be generous and let our kids know the importance of that.

Yeah, yeah, you get yourself in a real strong financial position. You can do giving at a different level. Yeah and you're there now right to go.

And you're only thirty six. You can be so wealthy, so generous, so out control well on your very, very well done, very good stuff. So now that you're there, when you flip the switch and you paid off the mortgage, did you notice a change in the .

way just IT felt?

Yeah, yeah IT IT does definitely feels different, especially every first of the month when that money doesn't come out at your count and you can see your your account growing.

Budgeting gets a lot more fun when you get to just delete the mortgage paying out, you get property tax as an insurance. But man, that principal and interest not being there, that freeze you up emotionally, mentally, financially, yes.

huge to go. You guys, i'm proud of you who was cheering you all along with your friends and your family and who else?

Color kers? Yeah, my my parents were. We were. We were actually in a race to see who could pay off our house the first, and we want so. So a little competition.

I love that. Were the kids aware of what was going on? The older ones where they like, okay, we can see the sacrifice were feeling IT too.

When you say .

that snack .

budget were anything.

I away his snack money. So well.

there you go. There you go. And now if you snacks like no one else later you can snack like no one else.

So there you go. Good stuff. Well done you to proud of your excEllent, excEllent job.

Are I? It's kyle and Samantha manchester, a new hamper. Hundred and thirty thousand paid off.

That's how in everything they're debt free. No mortgage. AmErica know what their interest state problems are.

none. They don't have one. That's right. They did this in four years.

I got one thirty to one fifty and it's hard. But is IT worth IT? Yes.

definitely.

Count a down coin to manual. Let's here a det. Free scream.

Three, three, two, one.

We that free.

This is how it's done. I like .

the irony because new hampshire's model, live free or die. What Better way to live free than knowing nobody is really that's IT. That's about as rocks and roles that gets.

How did you know .

that i'm from massachusetts? Always jealous we didn't have a cooler state model.

yeah. wow. okay.

Apparently from adopted by the state, one thousand and forty five is from a letter from general john star in eight, nine, nine. The live for your die e is for lesson.

That's good. All right. I got I I priv election, but yeah I go with that though. I mean, here's the thing. All I can hear about what i'm doing media interviews and you're doing media interviews is that there's a whole generation that you feel stuck. There is a whole generation that doesn't think they can get ahead.

There's a whole generation gensec that says and gene x and millennia and millennial and gensec that says they can't make IT. And then you make Carol's antha and we get to meet him every week. You know how stuck. They are not stuck.

No excuses that stuck.

They are not stuck, not stuck.

get a reasonable home, paid off aggressively .

and zero one. Not stuck.

Take that for the two .

percenters out there. Go dm is not stuck. Zero mortgage, zero person interest.

You got ta love IT. How much i'm worried about the fed? Not stuck. This is the ramsey show.

Hey guys, George came well here for delete me. I saw a headline the neither day that made me square. One third of the U. S. Population background info is now public.

We're talking one hundred and fifteen million americans personal info out there in cyberspace for data brokers to buy cell and trade like pokemon cards and data that happens all the time. Data brokers get your info t like your name, address, phone number, even your kids names and then boom, it's available to online bad guys. But to that, delete me says not so fast.

That's because delete me finds and remove your personal info from hundreds of these data broker sites, and they send you an easy read report showing you exactly what they did and how much time they've saved you. What I love most is that delete me reduces the risk for scams for me and my family, not to mention that we get fewer creepy ads in robot calls. So it's time to take control of your online privacy. Their individual delete me plane sort as low as nine bugs a month, and you can get twenty percent off if you go to a join delete me dot com slash rams y that's join delete me dot com slash ramsey.

George camel, rmc personality, everyone ever selling author is my co host today. The RAM z show question of the day is brought to you by y refer.

Why refer refinances defaulted private student loans? What you're different than federal student loans? Why refind? Why refine refinances your defaulted private still loans and build a custom loan based on your ability to pay? So kick your private student long debt out of your life by going to why ref I dot com slice razi, that's the letter Y R E F Y dot com slangy might not be in all states.

Today's question comes from Andrew and switzerland. I'm an american, but I live in europe. Or salaries are much lower, a seasonal restaurant worker spending winters and switzerland and summers in australia.

I also get free rent in food, so i'm able to save thirty to thirty five thousand dollars a year. I invest heavily encrypted, and I know it's not a safe method for long term investing. What are some other investment options where I can diversify my investment portfolio?

I know I need to diversify, but i'm an aggressive investor who thinks without risk there is no way to win. Is the tourist and hair situation. Here he's the here he's going.

I got to have the risk of my lifesaver. And you're asking us to diversify because you know you should have less risk. You know you could lose your bug if one thing .

happens in the cypher a world yeah statistically are under the fastest way to get rich quick is to get rich slow because people doing the crap you're doing end up losing everything and they get start over several times. You know, I know that I did IT. I was doing flip this house before chip and joana were born.

okay? And I lost my bt because I never met a risk I didn't like. I believed in me and I knew I knew everything. And i'm so smart I could out work the real state market in the banking market, just like you're so smart, you can invest in something that's not even real crypto and you're gna lose. You're but and then you can get the opportunity art over.

And then if you don't fix this broken thing in your brain, this causing you to look for a shortcut called pride, which comes right before the fall, quit looking for a shortcut. There's no place worth going that there's a shortcut too. So you're not gonna do any of this because I went her in switcher and a nice summer in australia.

Oh, brother, seriously lennan and and get in a ground and ground your way into some well, honey, that's where IT comes from. There is no statistical al evidence anywhere in any wealth building study that i've ever seen or ever done that indicates anything you're doing is gonna work. None of it's gonna work.

So how is effort t depressing? But yeah, I mean, where here would love you so much to tell you the truth, to be unclear, to be unkind? We are anything butter and ebl er we want you to win so i'm talking to you like you are my little brother worse than that one of my kids and so no, if you're gonna do this thing you're doing for your career ah which also feels like some kind .

of a doesn't a career .

if feels like the whole thing, use a game. And but I do you do what everyone do. You're not an aggressive investor.

You serve tables. You're not aggressive investor. okay. IT doesn't .

look as good in the instagram buyer.

I know you need you need a steadily invest, steady, steady, steady and things that are boring. The antithesis of everything you're talking about is the best way to get what is is the best way to become wealthy. All the data which are call facts indicate that that's not a difference in europe.

Ion and dave's opinion, no european's wrong, and mines based on facts, data. So please don't do this. You you so to .

answer you you a question and me, you want to diversify.

diversify across them. Me and I started investing in good grow, stopped mutual funds that have fifty and one hundred year track records.

And this means owning little shares of a whole lot of companies that .

you will end the much more money at the end of the story because you won't get the PPT unity start over three times because you're gna lose your bud in crypto. One of the wealthier men in the world said if he could buy all the crypto for five dollars, he wouldn't do IT.

His name is warned buffett. If he said to think .

about the whole thing for five dollars, he wouldn't take IT .

because IT has no utility. Was he going to do with IT?

It's not even a commodity. It's a currency. You're investing in currency, you know just go by the iraq ky dinner. Oh my god, it's a currency that and that's what we're dealing with here.

You might make IT, but it's not an appropriate investment for someone in your situation is an appropriate investment for someone. Were two billion dollars to put in fifty thousand and play with IT like they were playing a relet wheel or something. But this is russian real tt here.

This is dangerous. Please, please, please stop IT. And this is just a mess.

Everything in this is a mess. Nick is in Green bay, wisconsin. Hi nick. What's up?

Hey, guys.

has going Better than I deserve.

How can I help you?

My wife, uh, just started a check in baby step a couple months ago and um I guess I just uh painted picture what i'm working um so. After we started the second baby step, we started to um can just put reduction in the wine and um see what needs to be paid off first. So we we had a bunch of credit card that and those credit cards were high and interest um so we pull out a personal loan and combine those with a small a lower interest.

So we would have an extra hundred dollars going to the debt instead of interest. Um so we're working on paying that off right now. And then we have a bigger credit card um that were still paying Normal minimum payments to um .

how much the person .

uh IT is uh just under four thousand and how much .

is the bigger credit?

Gardiner eleven thousand.

okay. And what's your household income next?

About seventy eight.

kay, and how much is your car payment?

The card payment is .

to car with a .

card payment two thirty eight.

What do you .

want IT thousand OK what .

are the dead if you .

got um other than uh mortgage we just have those three.

So one twenty six grand total in that you make seventy eight. We don't need to play shell games moving that around anymore. We you to aggressively attack, what's your question? One hundred .

dollars a month screw around with all you could have found in a budget by staying at a restaurant.

correct. So the question was I was just kind of looking for a little more money to pay down that personal life. Was my lifestyle? Yeah.

cut your lifestyle. That's where you're gone to find IT.

Okay.

you work in forty our job.

I'm a truck every.

Okay, are you going to forty our job? Are you gone all week or what?

Uh, yeah, it's it's seventy hour.

Okay, so you're gone a week. Yeah, okay. And watch your wife, mike.

Uh, he is.

Stay home. okay. So what are to George? Put you on to every dollar, which is our budgeting APP, to show you how to make the money that you have behave because we can tell from these numbers that is not behaving.

You're looking for a math hack. There's not a math hack. There's a spending hack and you make a good amount of money and don't your dad is not an overwhelming number.

This is a number you can pay off, uh, very, very quickly, probably in a year or just to look over a year. But you're gone to have no life. Rather, your wife's gone to have no life while you're on the road, and you're gonna have no life money on the road.

Peanut butter and jelly beans and rice, tuna fish, these are the things that are in your future. Well, you get out of debt. okay? We're not spending money in restaurants. We're not spending money on vacations. We're not spending any money anywhere because we're going clean this set up really, really fast. So what i'm telling you is, is I want you to find around two thousand dollars a month in this budget to attack this with and I think you can do IT.

You're bring in home six. That shouldn't be hard if you cut you're .

spending and you want to be bring in home around six and might be your withholding IT might be some others stuff will help you with this will even put into financial tion university and your wife go through all of that, want to pay for IT for you and help you get moving. It's not a hack you're looking for. It's a grind. This is the rami show.

okay? Here's the hard truth. Your investment dollars could be winding up in the pockets of companies.

That whole positions you don't agree with people are unknowingly putting money into tech giants and household brands that don't match up with their core values. But here's good news. Timothy plan is at the forefront of biblically responsible investing. That means Timothy plan uses a strategy that lets investors chase competitive returns while staying rock solid in their beliefs. So feel ready to invest with a clean conscience is time to check out Timothy plan request information at Timothy plane outcome to learn more or contact or financial adviser today to see if Timothy plan is right for you. Timi plan dot com investing includes risk.

including possible also principle before investing carefully consider a funds investment objective risk charges and expenses contained in the perspectives or summary perspectives, available activity y plan outcome be carefully before investing mutual funds distributed by Timothy partners L, T, D and etf distributed by a force fund services L, L, C. Live from the headquarters of ramsey solutions. It's the ramsey show where we help people.

They hold wealth to work that they love and create actual amazing relationships. I'm day ramsey, number one best selling author, host to the George camel show on youtube. a.

Is my co host today, rama peroni, George co. Open phones that triple ate eight, two, five, five, two, two, five. Hailey in savana, georgia. What's up?

Hi guys, thank you so much for taking my call the day. Um my husband and I are both firefighter, paramedic and together four years now we got married this past um we both want kids um both ready emotionally in uh me biologically go head and start having children and but what you said on the show before about you know not not waiting around to have kids and my husband and I kind of disagree about something. He thinks that our current situation that would be irresponsible for us to have a child um and I .

just I I don't break wrong.

That's what I keep down.

You're right. He's wrong. Let me ask you something though, is he saying to you without saying to you when you quit being impulsive and overspend and make our finances all screwed up, then i'll be ready to have kids.

Is he trying to rain? You win. Are you out of control? Are you out of control?

I don't think that out of control.

Not to ask that. I ask if you are out of control. Is that what he's saying to you?

No one like.

I don't. Anna already have a kid. I don't need more. Is that what he saying? Are you sure are .

positive?

Okay, who's the nerd? Who's the nerd? Who's the free spirit?

So what evidence does he have that you guys are not in a place to have this kid financially?

So we have a hillock um and it's around it's got forty four thousand left on IT .

for us to 我 we are really stupid .

and had a big wedding wow .

so you own .

the home before you were married， then took out a he lock to pay for a big fancy wedding.

But the hook was a my fathers and i'm on IT with hand so a boy we put together yes, um when making a really big payment on IT uh three thousand dollar month payments uh combined and I make hundred and thirty six thousand dollars a year. Our cars are paid off. Um the only thing were paying on our living arrangements in property taxes.

okay. So you're together on your plan and your living sacrificially to hit your goals terraced. So he wasn't calling your princess then, was he? I was wrong.

I know. I mean, I am his contest.

Now that wasn't what I mean. I'm talking about a negative princess, not like you're my princess. I I don't need that.

That's not for the show. That's the lonely show. No but now the alright because .

of the heck he saying, hey, we get bit lock. We're trying to pay off now not the time to have a in.

He just SHE is all kind of paying .

every day. He's very conservative um and he just I think he would feel more comfortable knowing that we were completely that he feel .

more comfortable yet. Two million dollars, but you don't wait on that to have kids. So well, gosh, you win the whole argument today.

Girl, I don't I don't even get to pick on you. I don't even get to pick on you. You got your way through that way to .

go and that if he knows how kids works, but you have like a nine months lead up to get your act together and get the sea lock paid off. So it's not like an instant anees .

of three thousand dollars and you only o forty. You're done in a year.

I want to respect him in his feelings though, about that. I I don't you know I don't want to push him in and I do feel like he is of a household.

but here's a thing. Opposite attract, assuming both of your healthy and living sacrificial towards a plan. Opposite attract, the spinner always attracts the saver.

The free spirit always attracts the nerd. And you need both of you. You need both sets of input.

Because if if one of, if two people just like get married, one of us unnecessary. So you need each other, right? So he needs you any respect you two in this.

So the year that Rachel crews was born was the year we found out bankrupcy. That's how you're responsible. We were and that didn't.

Everything do is sharing that had to do with me. Be in an idiot. He had shand caused that. So but I think you guys face a lot of trauma in other people's lives all day long. And that can translate into being super conservative and trying to keep control on everything at home kit.

Yes, sir.

And I think part of the issue or nervousness for him as I obviously my my lifestyle is going to change. I can't worked the the physical of the job uh while being pregnant or obviously things will be different afterwards. Um this is a very demanding .

job .

yesterday .

away from home night. Yeah I I think he's got reason to be nervous because he's a Young dad to be and that's Mandatory for all Young dads to be. To be nervous is like comes with the territory. But as the old guy here and now .

you have babies right now.

right now, that's what I would do.

And really, when you look at the actual cost of what it's gonna, you know like what's going to be in the budget, you can do all the math. But I don't think that's enough from I think he truly is just he feels like he's that he's not ready.

Well, if he is responsible and I was accusing her, maybe not being and I was wrong because I think he held up to that that interrogation that's pretty stronger yes, he was not wronger because I I know because sometimes for for for you ladies out there, sometimes husband speak is um they're saying one thing but they really mean something else. Oh wait a minute. Wipe to do that too.

Yeah okay, human condition yeah but yeah so sometimes you know your husband saying we can afford this, what he's saying is because of you. And I that's what I was going, but I was wrong. I missed that one.

I missed that one. I don't miss often, but I was, rick is up. He's in all beneath new york. Rick, what's gone on? Hey, thanks.

Steve. George for taking my call, i'll be quick. My wife friend, I just completed financial city university and during less than six, which is about understanding insurance, I brought up, I brought up the question about a whole life insurance policy. I well over hundred thousand, is got a fairly large cash value. And and I know I need to get and I want to IT my question is um you hear about all these ads on T V like coventry direct and ethics say before you let IT clap so you sell IT find out what it's worth and that you could probably get more for what are your views about selling IT to someone else?

That's a biotics and I was stay completely away from that. There is no point in that because still in your name is still all squared up. Now it's real simple rate. You're right. IT is a quick question.

The things that you learn told you I was not a good product and you decide to get out of IT, you're just trying to figure out the best way to get out of IT and the best way to get out of its just cancel surrender policy surrender and get turn life in place first before you do that and then get your hope cash value back and use your cash value on your baby steps. And certainly, that includes investing in, investing in anything is Better than a universal policy. Putting fruit jar, you end up a more money. This is the ramsey show.

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

That's why more than forty thousand businesses have future proved themselves with net sweet by oracle, the number one cloud enterprise resource planning system. Ramsey solutions uses that sweet. And you should to, with your companies learning millions or even hundreds of millions that way, help you respond to immediate chAllenges and seize your biggest opportunities with one unified business management.

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

And speaking of what's next, down load the CFO s guide to A I and machine learning at next weet dot com slice. It's free at night. Sweet dot com slice ramsey folks, the ramsey Christmas guys give away here and you could win big.

We're giving away five hundred dollar Prices each week and one grand prize of five thousand dollars inner daily for your chance to win at ramsey solutions. Dot, come flash. Give away.

It's that easy plus our fifty days of Christmas deals is on right now, get up to thirty percent of best sellers and life changing gifts that won't break the holiday budget. Rainsy solutions that come sash store. I'm deb and your host George camel.

Rami personality is my cohosh in the studio when we have got celebrity weather today. Jimmy darts Jimmy is a media personality, tiktok sensation known by his videos of him giving money in other random s of kindness. Jimmy is a an expert on generosity.

Man, I mean, you have done some the best video work on randomly missing up people's lives in an awesome way with generosity. And so proud of you. Well, dancer, thank you.

Thank you. It's a blast. What we're all called to do. And when we do IT, we feel like we're in our purpose and where lives. So seeing someone else is they made because you gave a sacrifice, whether it's small or big, is always worth that.

So, Jimmy, U, D, M, A out of the blue, and I was like, did you he, did he get hacked on? Gram, and you were good man of a big ramsey fan. And so we got connected, and it's been a blast becoming friends with you. And I want everyone to know the story of how this got started, because it's powerful. And I started with your own life change.

Yeah, absolutely yeah. When I was a little kid the first time, I really experience what it's like to give something away and a bless someone. My parents for Christmas give us two hundred dollars.

They said, one hundred four years to keep by whatever you want. One hundred you ve got to give away to someone else. And so the very first time I gave was a guy in the street at a sign I gave one hundred box.

And just as a kid, seeing his facial melt change my life and marked me and then kind of live for a knocking head the rest of my high school years, and did a lot of party videos. But then I was eighteen. I just met the love of jesus, got transformed and never thought i'd pick up my video gift again.

And I was out read the bible one day, and I felt like the lord said, Jimmy, it's time to go back and make videos, but this time do IT for me and I said, all right, I mean, what are you? Only a preachers? I mean, he goes, no, I wanted to ask people for help, and when they help, you change their life.

So that's why I started doing these videos asking someone to help me get a take a gas in my car or buy me a go on a milk. When I did that, we gave him five hundred books. And just to see their reactions was powerful.

And then the internet started donating. And that person's two dollars or five dollars, they gave me turn into them, getting back like fifty thousand dollars. And so IT was pretty powerful.

Yeah, the videos are, I can watch them all day. I mean, IT just makes you cry, makes my eyes league. I love IT and just watching these people's space change and and I mean, you're you're really, really good at your craft to you developed this.

I mean, it's not manipulation at all, but but I mean, you're editing in the process. You build such a great story in such a short time frame, the art goes through that thing. And IT works so powerful that I watched like tin of them.

You can get back to work. People need you out t there.

And like dave talks about you you're you're not the hero in this video is the person is and it's why don't see a lot of you in the video you want to make IT about them. You're simply the guide. We've got a clip and I this is one of your favorite my yeah, yeah, yeah with our friend. Who can you IT?

Let's check IT out over forty two thousand and to help you vote. Four hours earlier, I met luu, a struggling mom who couldn't get a job because of her smile. Sorry about you.

I'm just trying to ask people for a dollar to get the bus out here. I don't. If you have anything, no .

more. Thank you, your name. I then surprised .

with .

a thousand .

dollars for her kindness, and then SHE shared this with.

And they hurt you think about different things, and they say that they don't hurry.

because I feel like IT is, the next day I met, would love together. The surprise of our life, over forty two thousand thousand, was donated to help you vote.

No way, yes.

no way. Are gonna able to get new tea is new one for what .

actually happened? You walked up out for a dollar to get on the bus. SHE gave IT to you.

and then you did what? Yes, SHE. SHE gave me a dollar to get on the bus, and then I asked her story and and SHE started telling me that she's been trying to get a job as a single mom. But it's been really hard because her were kind of messed up, and people assume, choose on drugs and all this.

And so I was just the sadness story ever ended up giving her five hundred dollars SHE starts bAllen rise out and I gave a hugg got her number and I said, i'm be praying for you know and that he doesn't know. But there's millions of people watched you on other side that phone that are gonna to change her life, and so winded up raising over fifty thousand dollars for her and ended up flying arrow to nashville. And he got brand new teeth.

Jason aldean and his wife, they are dentist. They help make that happen. So she's got brain new teeth now, SHE move, went back to vegas, got a job. She's giving her life to jesus, i've heard. And so her life got back on track.

And then we get a photo here. You know.

you APP look .

at that smile before and after.

Yeah.

yeah, that's yeah and and um I mean, you show you your whole approach as you woke up, find someone and ask them for help and then they finally I I bet you get turned down yeah yeah few times .

I get turned down and when I do, I mean, you know i'm just looking out there for for the people that do pass the test because we're really trying to find people that have lived a lifetime of generosity and kindness their whole life and never got rewarded for, but in that one moment they become the hero. And if you read the comments of my videos, like ninety percent of them about the person and me and that's why they want to help out.

And so it's it's spent really powerful and there's been a lot of amazing stories. Um yeah my favorite won is probably Steve. He was a homeless vet.

He was an anna ham. He was just sleep in on the side. The road went up to him, saw he was struggling with addiction. And I was like, man, I don't know if there's an idea to help. This guy almost kept walk, and that's my felt.

The lord says, need to know, maybe not money this time, but I ask him what he, what's on his bucket list so I said, I see what's on your bucket list and he just parked up and he goes, man, I want a sky IDE i've hot air balloon and go deeper sea fishing he was like, he was ready for me to asked a question and I said, all right, and shred enough. A few hours later, I came back and my little hda picked him up and he was jumped on out of the airplane and we were going over the sky. And he then got out of a diction, got moved into a housing, got his life, turned around and all he needed IT was a Spark to realize life can be phone again.

powerful.

And we talk about this to me, but you've got to have the margin to be generous. You've got to have your eyes up looking for opportunity instead of looking inward, stressed about your own life. And that's a part of why .

you follow the rainy plan. Yeah, yeah, absolutely. yeah. You know yeah, having your face like this with money in IT, you know, obviously have god tries giving you some middle, just hit the ground and so when you're generous and give the people, god can also blew you more. And so that's just how IT works.

And yeah, when you live within your means, you don't buy stupid. Stop, you save your money, you can give other people and that that's just something that will never get old. And yeah, whether you've got a million dollars in your bank account to bless someone to get in a new car or just like the poor widow in the bible and all you got is a coin, heaven is moved by generositas. It'll make your heart come alive .

when you do IT. wow. Well, so instagram and tiktok sensation jm darts is where this at Jimmy darts is, where you pick him up.

You guys go to a, watch these videos, they'll make you work your tail off to get your act together so you've got some money. You'll live like no one else lighter. You can live and give like no one else though, though they're inspiring and is really, really inspiring. We talk to about.

you know, I love the Rachel crow, so give a little to can give a lot so what Jimmy is doing with even the goal fund me, I might only have a few box to give to this campaign. What we're doing as a community to change someone's life is powerful. And that makes you want to give more.

The generosity is addictive. Yeah, absolutely generous is addictive.

And yeah, I mean, if all you have is a couple dollars to give, what's were a couple of box a coffee? If you just if you of all you have in your budget is ten dollars a month to give away and you buy a stranger, a cup of coffee every month might be outside of your comfort zone, but it's to low away because when's last time someone about you in the line of coffee in line? I can't remember .

that happened .

to me probably probably in the lobby here.

But yes.

that's why we give away free coffee and it's powerful and you've got a lot going on gym, yy. You've got your kindness chAllenge cards, people should check out and it's kind of a scratch off you can do with your own family, your own friends, help strangers out so everyone need to go check out Jimmy on instagram, tiktok tube at Jimmy darts here. An inspiration.

Man.

I I know you. Thank you. Good work you're doing.

Thanks for hanging out with us. We appreciate you so much. This is the ramsey show. Mortgage rates have dropped, so if you're thinking about buying a home in the next year, contact your local churchill mortgage team.

Right now, if you wait, more people will be in the market competing for the same homes and potentially driving up Prices. Church will help you do the math to be sure your budget is making your home a blessing and helping you build lasting wealth. Learn more at churchill mortgage dot com. Churchill mortgage dot com.

This is a paid advertisement in M L S I D one five nine one in M L S consumer access org, equal housing lender, 7 forty nine mile lane， one hundred three 7。

Well, it's decision time again. Every year during open and roma, you have the chance to check in on your insurance and make sure it's right for you and your family, whether you have health coverage through your job, a private company or a government programme like medicare, you don't have to figure this out alone. We have reliable folks we trust to help you get the right coverage for whatever stage geran go to rancey solutions dot on slack health dash coverage, George camel ramzy personality is Michael e today in the lobby of ramsey solutions on the debt free stage. Jail is, where is I jail?

Are you Better?

Better. I deserve.

Do you live a land? georgia?

right? Welcome to. How much dad have you paid off?

One hundred and two thousand dollars.

Good for you. How long did that talk about?

Seven months.

Good for you. And your range of income during that time started IT.

Around sixty thousand. Ended up ba, one hundred and twenty four thousand.

cool. Good for you. Well done. What kind of dead was one, two.

let's see, about eleven thousand when credit cards, about nine thousand in medical bills in some I S. And then eighty two thousand and .

student one. Your Normal, not fun. No IT.

wow. okay. So what happened .

a two years in some change ago? That was your wake up call and you said we're gonna out of this and doing this ramsey stuff. How that all happened tell us your .

story yeah so actually my story starts back in twenty eighteen. I was working full time um and just decided I want to go to graduate school. But even then, I told myself, i'm not onna take any more student one if i'm going to go to school.

I had to paper this in cash. And then that fall my church was hosting fp u, and I said, yes, this is my chance to make sure i'm doing this right and not how to take out any loan and just make this whole process little bit easier. So I did that, and I can tell you, dave, I completely hundred percent catch.

Follow my mesty's program. yes. okay? what?

Your masters in nutrition and dietetics good for you.

Okay, good.

yes. So then later the end of twenty eighteen, due to some contract changes, all the divisions myself, we were all let go from our hospital. And so starting twenty twenty hour has started a new job.

And then we all know what happened in twenty twenty code had happened. And so I just kind of win in survival mode. I had finished paying that last semester grad school.

And so I just wanted to say, because I had just lost my job recently, I didn't know what was going to happen with cover. So I just just arted saving and just continue to work some side hustles and some side give, just to see, you know, kind of what happened. So once I got settle in my job and to build up some savings, all right, let's get this started again. So I tackled the m medical bills, and the credit card dawned about ten months.

Wow.

yes. And then so I was like, okay, I can break the second of, i've paid off. Some of these dig ones all have less. Is the student loan? Uh, so at that time, I decided to mutual a for a new job opportunity payer ise all that kind of of um and then as I go kite, we're settled to do this.

But the thing, Davis, my student loans were private so everyone else to see that loans were on pauses, the interests payments all that this whole time might be going. And so I could have pauses my loans, but I was like, the interests still gonna go. I just can't take this anymore.

IT is keeping me from having time to do. But I want and working all these jobs. I can't save for a house.

I can't, I can't have a car, emergency, nothing. And says, okay, we're doing this. This is the good alive i'm looking at. Let's go. Let's do IT.

So january of twenty three, I put my foot on the gas pedal and had a full time job, two part time jobs, two other side hustles. I was doing sixty, seventy, sometimes eighty hours a week, trying to pay this off. And then my church, i'm in, lana did APP again.

And cells, okay, this is baby said, three is actually inside, like, i'm getting so close. I mean, like the last six months of this marathon, like I can do this. So I had a great support system with through that. And then in may of this year.

I made my final student one payment, go that .

point finance .

through the tape.

And I like a double their income on to sacrifice for a short time so that I can be done with this faster.

And I did.

I did. So that was .

was hard IT .

was IT .

was worth, oh, one percent hundred percent.

Um you're free now I am.

I am. I only have time to do the things I want to do, get more involved in my church, investing in people and and just being a little to live. It's it's very brain now.

I guess regulations. So proud of you who was cheer you on?

Oh, my, my parents. First first off, when I made that last, you don't know, payment, and I had a long face time, and we, they were with me when I hit and and or hit paying, we all described, I love IT great. My ants and love my co workers are amazing.

When I paid off my debt, they had a little party for me, had a little banner, may that said, just is debt free. Friends feel like just, it's been amazing and being someone who's single IT was important at me, I kind of have that support accountability. I couldn't have dump without yeah you brought .

a crowd with you just to support you. You get your own power over here, which is awesome and that is huge for folks are single out there because it's so much harder when you won't have that built an accountability of a space. So proud .

people think you're .

a crazy oh yes, people were like, why are you? Are you paying this off? Like you need be investing like so well, these suit loans.

This is keeping me from investing in my future, and this is, keep me from living. And i'm doing IT this way. And here I am on the David.

do I love IT? You did IT very, very cool, good stuff. So what do you tell people? The key to getting out of that is you are very successful at IT.

yeah. So person, for most, my faith in you is Christ, is what help me get through IT having that great support system to help keep me accountable. And then when I ve got to the student one part, I was at eighty two thousand, and I was like, okay, so I made the payments, got into the seventies.

And that was okay. How fast I get into the sixties and just kept going. So I made IT a game, took the power back, but that that debt had over me, and made IT. How fast can I do this? And that really changed my mindset of changing that mindset and having that support system is huge.

Take the power back. IT really does come down to hope. And you know, when you take the power back, that means that you now see you that this is possible, singing, hope kicks in, believe kicks in, and then you, then you don't even feel the sacrifice then because, like you said, it's a game.

I'm printing to the finishing line. I see the tape. Yes, i'm in pain, but I can see the tape where this is not forever.

No discipline seems pleasant at the time, but IT yields a harvest of righteous ously. Well done, Young lady. Well done. Very well done. Now you're .

free as you feel.

Well, David, know how you would tell people when they pay their house off. The grass feels different. bang. Groceries feels different.

Now, being able to say yes to trip or friends are going to this restaurant, this new place, emit a land and let's i'll go like being able to say yes to that. Just think about to change like my primaries in my time. It's just, it's been amazing. The leading the student loan APP of my phone.

That was huge. Oh yeah, yes. That was a matter.

Now .

again, do not recommend zero stars.

Wow, zero starks .

h that is incredible. So what's next for year?

I was to come in natio. My family were all going going to text this next month to celebrate in the family members birthday. Um so I got to do that and I was that recently promoted on a returned titian and I was promoted to clinically nutrition manager. Somehow i'm not shocked .

the middle .

of working your tail off they go, hey, she's a hard worker. Let's give further job.

Yes, yes. God was just blessing that that see the one bounce coming down the job opportunity canyon. I finally got to get rid some of these side hustles and just, i'm just succeed what god has in the future and be amazing.

We want to bless you.

We've got two every dollar early subscriptions for you can use them, pass them on to someone to kick start their journey as well.

Way to go. Thank you. How old are you? Twenty six? There's no stop in you.

There's no stop in you. You, you're wide open. I bet you were wide open when you were a little kid.

Mom, yeah. Mom tricking her head. yeah. OK, yeah. It's kind of a Rachel cruise thing, right? Rachel was wide open when she's a little kid. And I said, we're going to point this one.

She's got your powers for good.

You're you're a very proud .

of alright.

Jail is in atlanta, georgia. He paid off a one hundred and two thousand dollars, eighty two, which was those destiny student loans. Twenty seven months, you did IT making sixty to one. Twenty four lots of work count down. Lets her a detour scream.

Three, two, one. I did put.

yes.

Yeah, baby, how IT works around these parts? This is the rami show. Listen up.

Trying to reach your money goals without a rock solid budget is like trying to climb. Man, ever is the ice skate. IT isn't gonna work.

That's why we built the every dollar APP to help you win with money. It's the simplest, most straightforward way to track your spending and give every dollar a job. That way you can stop letting your money push you around and start reaching those money goals.

Download every dollar for free on the APP store or google play. Well, we just launched a brand new tour. Me and doctor john the loney or hitting the road in coming to a city near you on the money and relationships tour, we're putting a whole new twist on these law events. You, the audience, that about tickets are going to shape the conversation that we have each night.

At each stop on the tour, you get to select the topics that matter most to you in the pre show, and then they're gonna design the show right before you walk out, whether it's budgeting a relationship dynamics or achieving your financial goals, whatever the question is, you get the truth, the topic. And that's what we're going to do. We going to be in level.

April twenty first, I in dorm, April twenty third at atlanta, April twenty fifth, phoenix, may fifth for worth, may seventh and cancer city, may night, David ramsey, doctor john a. loney. Live in person in those cities on that date.

You're gonna ugh. You're gona cry. You're going to learn and we're going to do some Q N A. We're gonna. It's going to be very, very interactive, a way different kind of, uh, live of IT for the ramsey bunch.

If you're tuning in on youtube podcast, you can click the link in the show note you can go to rami solutions, not come to light tour and get your tickets right now. Cindy is whether Cindy is in orlan. Du, hi Cindy. How are you?

Hi thank you.

For in my 是我。

So we my and I am baby family, but six months ago he lost his job. And we're trying to figure out, do we get red of the life insurance, the umbrella um to help with everything or do we want to keep those things um on our budget?

Why doesn't he working?

Um he was laid off, he in sales and he's been trying .

and um god, he's been humbled. So he's been trying everything and now he's been taking classes. And we only have the one car because we want is our intent. So uh the car that we have for like list, I think it's too old .

the year of IT. What was he doing when he .

got laid off?

Sales selling? What are .

we say?

Why did they get laid off?

Um I think my production days. So if you don't hit a quoter.

so IT wasn't making sales, okay, what did what what kind of income was he making?

Um fifty thousand.

okay. And so what you want to do with his life now.

uh he for the unemployment he's doing, the the cyber security is taking the classes for .

that is taking classes for what?

Cyber security .

cyber security yeah.

what do you make?

Uh, seventy three okay.

even living off you're seventy three, but you're also trying to build up the emergency fund and .

he's not doing he's not training any income at all.

And we now.

okay, what did he make his life in sales? What did he make in sales? He said fifty k yeah .

he made to be um altogether we did one thirty and our taxes last year so he made like thirty thousand and tails. How many kids .

do you all have? Two how see and .

one thing they care how the city forty one .

OK alright others there's um here's the thing when you are um when you have zero income coming in and you go for a job interview, you walk differently in your voice tone is different than if you have income coming in. right? And so the fact is doing nothing is not helping him land a position.

So I would prefer that he cut grass and drive uber eighty hours a week, clean toilets, whatever he has to do to get some income coming in and actually put his hand to something other than youtube or whatever spinning is days on these days. He really needs to get to work for his own sake, and that's going to make him more employable at one of these other jobs. It's not that he's lacking a class. He must take a cyber security class at night while he's work in full time during the day, that's fine, but sitting on this, but taking one class or two classes is not cool. Yellow broke.

He said he was humbled, but I think he needs more. We get more to go. He needs to swallow our pride.

something humble. I want work. Yeah, my grandmother, you say there's a great place to go when you're broke to work.

So yeah, I mean, and here's thing he's got what I don't care. Fy takes a career job until he gets a career job OK. But I want to do anything he can do to go make some money.

And what that does is IT gives him dignity and IT gives them purpose. And believe IT or not, that gives you energy when you're working hard. And then when you walk in to a job in of you, you got a little swagger instead of your head hung down and your lipstick.

They can smell desperation.

Every human can smell IT. We see the body language 是一个 the pacing in your in your voice， the tones, the energy level, the eyes are lit up or their glassed over, which is IT, and all of these things happen. And so and the guy you're describing to me right now is not gonna vive a good interview. Understand if he got one, how many interviews as .

he actually .

been on two in six months? Yeah OK. So sometimes what happens when we get fired, which is what really happened because he didn't make a sales, then IT takes some of your person IT takes some of your dignity and some of yourself confidence, some of your mojo.

So I I think um you encouraging him to go be somebody is going to be really good for him. It's not taking him, is lifted him up. So I will be a coach at half time and go over behind and you've got the stuff.

I want you to get up in the morning and shave and put on nice clothes like you're going to work. I want going go to work what you're doing that yes, and I don't care you're serving in a restaurant. I don't care for you delivering pizza.

I don't care if if you're uber eat. I don't care if you're cut and grasp. I don't care if you're work in clean and told you can get a job in the next in the week doing one of those things or all of those things. And believe me, or landa needs to help as people in orlando needs help, get you a leaf blower from home. Deep, rich people are afraid leaves.

And so no, that kind of stuff, right? So I mean, go go do something because what that does is IT gets you up off the the pity party that we all I went through that when I went bit, took my confidence, like when you get fired, he took my confidence and I took me a while to get and and I was, but I I had two little babies and and a choice, I had to go make something because we were starving to death. And so I, when author did anything I could do for a period of time, until I could get the income moving again.

And that and then with that came my confidence IT came back and slowly the more I did IT. And so um you know, I hope that all that is with him. I hope he is not lazy.

But I I most people aren't lazy. Most people struggle with hope. And it's probably is probably not a lazy guy, but he probably didn't feel great about him.

You're over there making money. He he got fired. And so I wanted get back out and and get back out the marketplace, get back up the, get back up of the place. Start swing the bed again. And I want to send you kin comment two books, proximity principle and pay check to purpose in time to get on kin common dot com and start using that proximity principle to get some positions and get some things moving. He's got to get an income moving that'll help your household, help the mathematics, but more importantly, to help his mental state.

That's right. And to answer your question, do not cut your life insurance and umbrella like you got ta keep the defense there while you're playing offence.

So you need to find spending cuts somewhere else. You spending cut, increasing cut, and he come back to money. He can make three, four thousand hours a months alone off a log man. I mean, he can almost get his old and come back, you know, really, I mean, the number of people we talk to that make fifteen hundred box a week delivering bases right now.

there's no excuse. I mean.

you can there people a shortage? You can do anything to go make money and and is a shortage of everything out there right now. People that will work, show up that have based and smile.

It's amazing because you can get a job. And so I wanted go to something for him because I won. I can smell that I member, how that fell and want a good figure.

I want Better for him. And with that goes Better for you. On this is the ramsey show.

Hey, you're still here. What are you doing? You do know that the rest of today is show is playing right now over on the ramsey network APP, right? All you got to to do to finish the episode, a search rams y network in the APP store, google play store, or just click the link in the show notes to downadup APP or free.

Yep, you heard me right for free. Then right there in the home screen, you can watch the rest of todays show about a being bottle of all right. I'm getting out here. enjoy. We'll see the.