I live, and the headquarters of ramsay solutions, broadcasting from the pods moving and stored studio? It's the reins issue where we help people build well dork, they love and create amazing relationships. I'm ramsay personality george camel joined this hour by the doktor john. Only in we're here to help you take that right next step with your life with your mom

with your mental health, with your relationships with the boundaries with your mother in law. All of it right here on the ramsay show. Let's do this The number two calls aaa eight to five five, two to five. Michael joins us in orlando florida kick off this. Our michael welcomed, the show I beg you what's going on here. The question is moving back with my parents to go to school in a nutshell: ok, The situation here are you. at the same money for location. I would definitely to say right. Location not really cares, it'll, be it basically able camp. You actually line three months if it was full time the roger had bigger meta continue working. What I'm doing? What do the gig economy goober living out of our being beaten, my girlfriend moorish ammo and doing the book and part time which will take twice the time but

they want to have an emotional tall about the apparent yet ass. My question it what's living with your parents like so actually it's better than actually my parents, are we I'll be blessed enough? It's not as bad as I think somebody let it with my girlfriend and porter ego the their grandparents, have a house which is pretty available to ask us to live there and he before, but There is the issue of my mom, who then very very early, be set for most my life, which is why, in order not to wake up. can't miss that little bit so you're thinking, but either going to porter rico to live with your girl, friends, grandparents house, or are going to put a request to live with your mom now to live with my girlfriend grandparents do they pathway and they gave the house to her toward it. Parents come into play

more really having to have their their funding as well out the work for my dad after it can't every day and hear how just having to face them on a daily basis or almost daily thesis. Ok, but its back the thing up soon. you started the call asking, should you live with your parents to go to college, now, you're, saying shit. I look back over the lady called me to say to you at the questioning of the council, but more loaded, yeah well The whole thing seemed like a mass. Is this full time the school or yard for full time it fits firelight, mine, at twenty or forty hours, a yes and its in person, now My remarks are you can live anywhere technically ass If my dad is funding it I'm having to ask them, but I would have shootings on me. What would it take for you to cash flow this, and do this on your terms, because it's like right now is a lotta, handcuffs and red tape and strings to write.

For me to do it in my turn, to outdo part time so twenty hours a week to camp? I don't believe in time. I believe you, here's lie. I didn't mean age these, in a masters degree working on a full time, job prague, my my full time, jobs, probably fifty five hours a week. Maybe signal you didn't get there. I was saying that the blue canvas part I'll, be working a full time job What jobs to be doing I'm waiting to get the result for amazon del agree driver position, but also just finish an interview for remote the customers, except specially I'm waiting to four rounds. With their team, around waiting thou have those tooting lined up so there's either a full time option or a part time program in the part is going to take six months and the fulltime is gonna. Take three months correct. Do the part out, bit of part time of our guard and grow up. Listen the chaos in complexity that you're gonna,

into whether its living in your girlfriend's grandparents house and he gave it to her, but she that or going a verbal abuse of parents that you're gonna have to work to and I'm gonna have to depend on them like the do don't. I know why you enter into any of that. Chaos wins six months, you're gonna have the same thing and you're gonna have six months full time. Work experience as well to go on top of this credential that you're gonna get correct I know three months may in ninety days. Look at it as if there is no other option other than Michael's got to figure this out for himself. He's got to figure out how he's going to survive. Live work go to school, and if you do with that way. You're gonna get real creative, real, fast right and that's what I'm doing for now, but I just I think, I'd let the boy you my parents, until trade. I feel the eleven starting to doubt which in this call right now, no yeah they do they ve been hell. Do you I'm twenty seven I bet they have been running your life for long enough here:

and they ve been dragging you around their life long enough, fair, let's cutlass, igor airfare, let's cut their word, Eddie yeah stood in my. I mean it takes you twice as long to get through school and might mean you work twice as much as you wanted to, but it also means you get to do this your way right. do you think that gives me great peace here? Is in it for everybody listening. If we're tellin me a I'm going to. Ecstasy and am university, and my mom and dad have a fourth room in their house college station, and I can help with my younger brothers, who's, special needs and also to work part time, and should I go home absolutely, a great relationship with Mamma had taken for sure this situation, where I dont believe that your finish in three months, livin in this toxic nonsensical mess, I don't think you'll get done broker. I think you were be about four inches taller and you'll, be

The bench press not as much as george Mitchell, beheld a bench press a little bit more and you all abiola, walk into an interview with a credential six months of full time, work experience and a straight back. You should have Zan right And I know that matter and he saw denied none for more helpful here. That's right, yeah that's, that's the move out make man thanks for the call man there's so much? They are john underneath the surface of the question which has hey it saves money. I have school funded there's so much happening underneath that surface. That worries me, and so many people out there back themselves into a corner where they go whilst either sir, this and they're both toxic situations, but this is my life instead of going this option, the sea that all animals are never either or almost sometimes it actually is, and it's scary- and I can you get medical diagnostics stuff, there's there's either ores, now, when it comes to on twenty seven years old- and I want to get a credential- I gotta do or this night, you don't know you don't you could work,

the time for one year and pick. I e, if there's a million different options here, right, it's a jobs and amazon delivery driver and he loves it. Maybe he let me go to this programme press, but whatever all it says, do when you feel yourself either ord back into a corner, it's always good to congress and wisdom Firstly, when you're, if you're twenty seven in single. Was the time you're gonna look back and go remember when I was workin fifty sixty hours a week while in school that was crazy, because a time when you got kids and you have other responsibilities and your landlocked. It's gonna, be here to do these things and He mentioned something I think it's important. Every extra variable, creates more chaos, so Hey I want to move from my home in porter in florida, supporter rico live in, girlfriends grandpa its house, that's the extra variables. Do that you don't need right, don't don't cry

chaos in an already complex situation over the easiest path, even if it's not the most comfortable michael hang a line. I want to send you our power. Can coalmines book from pay check the purpose to help walk you through this entire process and give you some hope this? is the ramsay show. The life insurance as one job too, place your income for your dependence. If you die, that's it so if someone tries to sell you high cost life insurance that doubles as savings or an investment strategy scams. whole life. value variable life than run terms from Zander insurance is a much smarter way to protect your family future zander shops, all the top companies to find you're the most affordable term life rates. Then you can go build wealth with what you save not by falling for those crap Paul please go zander dot com to learn, more, that's zander, dot, com or

hundred three five six. Forty to eighty two, Welcome back through the ramsay show. I'm really personality, george camel joined by doktor John bologna this hour and we're taking your calls about money, mental health relationships, you name, it tripoli, eight, to five. Five, two to five taken: say those was fantastic. I had my thank you. I had my volume turned down: suddenly music, coming in and also heard you just talking, and I thought wow my throat. Let me in writing national he's losing it and then I realized o knows a professional. We're just live on the air on radio podcast youtube, you name it John get with the times. Evidently, if to turn the volume up so jive. I've abound to pick with you. And it involves an article that I received, and I want to get your take on it because rachel crews and I have covered this issue one smart money happy hour and I went gangbusters and it's all about bone to pick with music. I did something because I feel like you're, going to you're going to try to be hero on this one.

that's my things you do. It will do so. We did an episode called guilt tipping how to deal with an absurd tipping culture and it was tip of the iceberg, because now, John according to wall street journal tipping Come for self served check out so you and the machine and the machine says money please. This is wild prompt to leave twenty percent hisself check out machines that airport stadiums, cookie shops cafes across the country are rankling Consumers already inundated by the proliferation of tipp Screens- Ten dollar words. Could this author fit? And here it is the wall street journal and here's the crazy part, business owner, say the autumn. The automated cues can significantly increase gratuities and boost staff, pay. Your wealth can boost staff, pay, paying them more. and not cheap. La bosses and leaders today and here is a quote from a senior at american university in DC their cutting. Because by doing so check out? So what's the point of asking for a tip in wears a going anti? Researchers did no. That was a job

and labour advocate, say so called tipp creep as away for employers to put the onus for the employees to pay. consumers rather than raising wages themselves. companies, say tips or an optional thanks for a job? Well done. This is exhausting yeah. as you are talking, I have that man I went from hemorrhoids too. I think I've got some kind of lung disorder now, Yeah, my black falling one as it was in this dysentery here, It is to ports. George one is. I love love. It says here it says that the businesses are taking advantage of an opportunity. They are that's there to a businesses do they take him. Is opportunities, rightly see a glitch in the matrix, and there are able to make some money. Fine, I It is on ethical to put

onus of paying your employees on the. In addition, due to the product or service that somebody just purchased to put that on the the purchaser. That's insane be a growth pay your employees, what they're worth, if you think they ve done a job, on pay them, for it don't be late. I don't know man this. The thing is, is I don't? the second asleep over this crap, because they can do whatever they want. It's on me. A culture that is so sad when somebody makes them feel a certain way there making. You feel sad at the chaos will, then that's on you dude. If the key ask that you have gone and got your own water, it put it on a self check out in it asked you for a tip, and that makes you said: that's not the businesses fault. That's your fault, you! to go to counselling and get friends, and also don't tweet about it? Just don't do it and if you. stop doing it, it will go away. We have a code,

So if you don't read about it, didn't even happen. I see this is bad philosophy, rope, but I I mean he's not to lose a second asleep and you're gonna love this description of twenty six year old, who works and pr new york city said the prompt in General is a bit of emotional blackmail. My gosh now for sure this section this this this saying is brought to you by preparation h, because I have hemorrhoids now it is. emotional blackmail, it's a business trying to get more money from you all. You have to do tat. Six year old, who works in public relations in new york city is be an adult hey, jumping in John d, how do you feel about with people when a person tip pretends a screen around and then they ask for it to feel more emotional? It it? It does it's awkward, it's awkward, it doesn't make me. Like emotional blackmail. It just feels awkward because I'm, not giving you thirty eight percent up right now. If it's like my barber, something that's fine, but yes, if I

Look at some seventeen year old in This exchange, like I'm sorry, that your boss doesn't pay you very well and they're, trying to guilt me into giving you more or just to make automate me giving more fine, but I dont feel guilty. About it. It's not emotional blackmail is an awkward. Yeah can be awkward, but I'm do what I think right and situation and move by the underground one of the biggest disagreements, my wife and I have is I over tips, I'm always over tipping what this is doing for me. Is it making me reconvening otherwise correct. Well, I don't think that for sk gratuity is any kind of generosity, such generosity, gratuity, it's a cost right, so either. raise the cause of your chicken sandwich, bite, five cents or and pay your employees what there actually worth or move that yeah? Why? I have no shame. I go to the custom tipp amount, my do zero dont zero zero enter while making direct

I contact blackstone, that's flex works, it is gonna to stay stand. They turn around. They go just gonna to ask you a few questions Like you don't know what their questions are, exactly no good and well jane. does that make you feel sad and uncomfortable James is sound and am glad you about it. The question then is it: is they act like like they don't know? A questions is gonna, be awkward free and we know now exactly I am calling your wife and saying: hey, I'm going to be four hours late, getting home for our date and she'll, be I have a few questions for you when you get home jiving like, I wonder what they aren't. You know what they are. You know there Thank you, for that is exactly. I thought it would go. John poorly! Thank you. Fun. So why did you think it was going to be a hero? Because last time we did this your guy always over tip, which again you use that line? I do, but I don't do it on demand. I do it because I want to be a person of like generosity when, when comes a demand or when it comes like a it

This? Is the joy of giving do? Let's get becomes a payment and I'm not going to buy a forty dollar to consume. We're not fallen for it or hidden. Zero are right. get to the calls william is in orlando. William. Welcome to the show good afternoon, gentlemen, tedo, what's goin on. Doing great ahmadinejad question I want to know: is it smarter for me is pay off for me in my life our students loan that, on our own or am. I am a school teacher and I dont know why did hear about the public service forgiveness either you're gonna wanna just kind of expertise on how much do you I also thirty in my life only one slot outside how much money do you guys have in the bank at the moment around ten grand and The teacher I make around thirty thirty five. Ok, so how long

I take for you guys to take nine grand out of your savings and then use future income to pay this thing off. How many years to margaret advert I personally that can happen to less than two. What's this looks, do loan forgiveness programme gonna take ten, possibly added to earn. You could be teacher for ten years for half of it. You get one oh, my gosh see you're gonna wait a decade to hope that half gets wiped out or We can guarantee our own destiny of the sings gone less than two years and we never look back and I can choose to work where I want to work. I can choose my own destiny without having to worry about this thing. Dangling these golden handcuffs. How old are you william, twenty eight or twenty eight so think about ten years ago, that was pre Biden in pre trump, you couldn't smoke drink.

Vote. Remember how great the world was back a ten years. You look like no idea. I pay these loans off and by the way, I've been a teacher, my wife, the teacher I know that it's hard when you look at those that when you jumpin into your union dues, and you don't pay it into your legal staff and you get paid into your your teacher retirement what's left is, is something paltry can be scary, I get that. I know that I've lived that guy end. you put your name on a contract that you told somebody hey if you, if you help me, get through school, I'll pay you back in Well, for me, it just me there's an integrity thing that I know what I was saying when I was eighteen know that I run up six figures. Yes and I did sign my name on a piece of paper said I'll pay you back and that that's that's that's the way. I've my wife and I chose to deal with it and on top of the Go just look at the data on this thing. People who apply

two people who got it. It was a half per cent. Now it's not like a whopping one percent because they made it so much better. Those odds are terrible. I'm taking control man. If you want more on this go watch our documentary borrowed future. Where we talk, This issue we talk about what to do and how we can overcome this crisis, but you'll, be there man manner. No time I had thirty six grand I paid off and less than two years, and you can do the same route for him.

What, if I told you there's a way you can get an edge when buying a home. The churchill mortgage home buyer edge super fast pre approval and a secured interest rate and a five thousand dollar seller guarantee gives your, however, the best chance of being accepted. Gotta churchill mortgage dotcom today to learn more churchill mortgage, Dodd god. This is a paid advertisement. Homebuyers edge is available for qualifying borrowers and select loan types. Only in a molest idee one, five, nine one animal s, consumer access to work equalising lender seventeen, forty nine mallory lane sweet one hundred burnt went in the sea three, seven zero to seven. this is the ramsay show and if you haven't heard we're doing something around here that we have never done before right now, all of the railway personalities are leading financial peace university, including me, and I want you to join my

jewel clan you're from anywhere across the country, joined my class. It's not a competition. John you're gonna, one thousand percent competition, america and jaded rachel are killing us. That's true! That's why competition preserve their smokin smokiness, there's nothing! We can do about it. I disagree I'll, never say never were pre one of our classes, so John is leading a financial peace. University class starts earlier than mine, mine sorts June twentieth. You know when you start that's kind of afflicts. It's the latest my search in a few weeks ago, errors in the evening or during lunch, China's growing launch out minus two great though You want financial freedom and peace sooner rather than later. Join my parents to pitch. If you want one month of just reckless bent before you gotta shut it down, you should probably join join jordan that I would be fun yes, our Here's the deal you're and learn everything about how to handle money, how to pay off dead, how to build wealth in front for peace university and we're gonna your personal cheerleaders through the class and you're gonna, have a community of thousands of others taking the class with you and encouraging.

You too and we're when all nine lessons in about four or five weeks or enemy twice a week for about five. We am. I gonna knock this thing out just in time for you guys to finish your summer have a great fall and change the way you handle money to turn around on the stuff is amazing people who go through financial peace university based. Thousands of dollars. They pay off thousands of dollars and its work Every penny you pay, for so the classes are start to fill up. Grab your spot right now at F, p, you dot com, that's F, p! You dot com and sign up for either john or eyes class will keep classy. Do I did there Man, that's a good way to end a conversation when we're just gonna keep it classy, keep it classy john cause. I was trying to you know to rise above it take the high road. If you will But what am I not one of my gift? I think it right in the middle of it Jim a fighter these days, I dont, have me: let's get The calls Andrew joins us up next in kansas city Andrew welcome to the show. What's going on with you,

things were taken. My call sorry. I wanted to in a nutshell, to ask how does How does one pursue an art just a career while making while trying to find ways to make passive income, oh so there two opposing things happening, two opposing goals: why passive income Currently, the job done perform right now is not what I would call high paying and I wanted to find ways to make passive income and my ultimate goal. You could, you could say desire, would be to get into the creative arts? What does that mean? When you say creative arts? I'm thinking either acting or writing. Ok So you want to be an actor slash. Writer

and you need money right now until you have that career dialed in Zaragoza, because yet it's you know it's a subjective. Old, and you only have to go to the other people. Thank you are so I'm constitution, That's not true at all. Yours good, as you are talented now, whether they hire you or not, is a different thing and they might hire you me and george can both exceptional actors, but if they're looking for somebody who's dashing in handsome and clearly intelligent, looking they're gonna go with george if they want to make. It looks a little bit rough around the edges. They might go with me and so. That you're heading into a job in the creative arts already saying won't do anything about it. Just can be subject. That's not true. everybody can there it Larry. We really tough. Yes! Now, if it gonna be a hard road to how to make a living doing those two things hundred percent does not objectivity edges and enter the market lethal chat tea and all that it is of it's it's a wild time to be a writer, so why

Time to be an actor right, in the old days of residuals. Those are largely gone and you're just you're, just gig, to gig to gig it's a tough, it's a tough life and for those people George- and I know that do this- for living, they love every second of it. most of the seconds right. So don't into an already sour or you won't you ve gotta go. With optimism and joy, and this has to be something that you have to do otherwise is going tough, tough log man right just We feel like there's so much that against you, if you're not already in it, like the caribbean, but in the door it's gonna be a really hard regardless, but here's a this idea that I'm gonna use passive income as like a launch ramp too. Career is the wrong path. you're, seeking out a short cut that doesn't even exists. Passive income is a myth. we ve just been watching too much tiktok and instagram. If we think we're just gonna get all those mailbox money, that's going to float our dream jobs, it doesnt work

And so what I would do, if I were you find something that you can sinker teeth into full time that pays more while we go. Acting eggs on the side and start to work on our writing chops and start to submit those in getting to acting in writing groups in improv class, is and meet people and interact. That's the only path that I've ever seen. Actually work so limit. Let me walk a couple of things to see, get the other side of this guy jordan. I aren't actors, we do act like we're friends and we're not, but other than that we were not actors, but we are or on stages. We are in front of video cameras. We are doing we're all recording doing scripts all that all day long. We both right, sir, I remember walking out of the building one day before what I would call a casual shoot the following day with day, a couple of their personalities. Dave ramsay and a couple of personalities who were world class speakers, but doing this for a decade or so we're on stage mom

linked to themselves holding a script. They were practicing they one stages of six, seven, ten thousand people, and they are going to do a small event front of a couple hundred and they're up. There practicing also george and I both right. We both sir kay, would you read this for me: hey we check them out. We have editors that we work with sometimes join writers group, that's just based on studying humor, so it can be funnier and be more engaging. It's a concept actors in we're already employed sincerity, our job, some of the great- actors. I know they took waiter jobs and they practised different accents with different tables and they would write a small script and memorize it themselves and go use it with the particular person. at the at the table there constantly working on their craft. They were not just sitting around waiting for the craft to come to them because it won't writer right all the

think in time they write blogs, they write letters and they write journal entries in they write chapters, that's just what they do cause that's who they are, if you like, writers, that's their identity, that's what they do, and so this you can't fort man. You gotta go, get it in. Like george said, if you get stop driving practice. Your act in practice, monologues practice, ideas and talk into a voice recorder while you're driving and they type amount for thirty in the morning the next morning. That's how you make it get a full I'm gig and in the evening time go trot. it commercials in your local area, I mean it's, it is: hard whore everybody it's to be an actor. It's a fun life me and everyone wants to be on stage. It's a fun life. It's a grueling, hard one to see like jello, georgia love. You said that the whole get that passive income thing really is male. You money like that. during covert- and it's not gonna happen again right here ok, so we're ruining your dreams here, man. What do you think in here? Well something

I I am. I do. I have an agent and I started writing some. short stories that sir there I just I just don't know if there is any good, people would even want to get him or he'll get a group, a guinea writers group. if, as a right of your but I've, gotta writers group, I've got people on the side that read my stuff ya. Get writers. Group, manta they'll, tell you too, It's my life, my follow up. Question would be for someone who is almost middle aged who but had many lines in their professional, slash, personal life. What are you they to someone like that who wants to achieve something, but I just feel like they may never do. How old are you we may never thirty seven. who told you it was too late for you, that's just how have but I am someone at some point said our do your it's too late, you're, thirty, seven you'll! Never make it better, not now not good! It's too late!

just never, but there's a lot of belief and andrew and a lack of confidence use at my works. No one's gonna with my works, not great! I don't think I If you do it there's a lack of hope- and I wonder whether this job in my forties, in common started, his job and his forties. Now we have years of work leading up to these jobs. Where we are both for writers, he was doing a radio stuff. He was doing interviewing. I was doing public speaking all over the place, but we didn't start this job. In turn, forty! Never too, like never ever too late, I'm gonna hook you up some resources. Number one is KEN Collins book, the proximity principle to get connected with others in this field and from paycheck the purpose to give you some hope that you will get there, and I hope you call us back and let us know how women, thanks to the call, folks, gender lonely here with a word from this episode, sponsor better help? There are

things to be gazelle, intense about making healthier choices getting out of debt for sure, but when it comes to giving p but what they need from you. It's better to intentional, not intense, because it's easy get caught up in what people need from you and never give a thought to what you need. So how do you the two: it takes practice and fair b as a great way to learn new skills like finding balance and setting boundaries that allow you to have enough energy left to help others with leaving yourself behind. So if you're thinking of starting therapy give better help a try, its vignette incompletely online to fit your schedule. Just fill out brief questionnaire, to get matched up with a licence therapist and you can switch therapist at any time for no charge. Sir find more balance with better help, visit, better help, doc, slashed aloni today to get ten percent off your first month. That's better help h, l, p dot com, slashed baloney,

if you're a new listener of the ramsay show, and you want to dive deeper into the baby steps. Some of the lingo we throw out here, baby simply be gazelle intensity, go to ramsey solutions, dot, com and click on the get started button. It's totally free we're going to help you at the next best step for way. You're at your financial journey today got rams motions dot, com and click on get started. I'm sure. Camel joined by doktor John bologna. This hours of free call a triple eight eight to five five to two I've and J joins us up next in chicago J welcome movement. The show up. I thank you for accepting my call sure. What's goin on, So my question is: I was wondering if it is too late to negotiate about medical collection that already states that are already started paying for So this is already in collections, so you weren't paying on it for awhile collections, bought it what's left on the debt. so it started at like forty two hundred now is doubted.

Twenty three hundred, do you have an agreement with them of how much you're paying each month so the thing is: I first got that medical when I was like around nineteen or twenty and I'm twenty I have now thought the memory of like how that all got set up is pretty faint now and had that might pay per day in about two years I'll catch. You haven't touched the thing and twenty four months, but before then, you were of chipping away at it. You a little bit of time on a yes have they? Can Did you in the last two years made? not, if not now, maybe not more than how many times account. On the one hand, so it sounds like kind of given up on this debt, suppose now, but here's the thing longer it's been the more chance you have of negotiating. I don't think they're are just going to wipe it out. It's not going to disappear. If you put your head in the sand, so you have to do with this boy, you can

We call them and say I I'm sorry, It's been years, armor it be done with this thing? Here's what I got I got. I got five hundred bucks. Would you take that and call the debt good? Oh father story of This idea send an email about which they have response. I had to call them beard acknowledge that they be received the email, but they say because of who the creditor was baby allowed to negotiate. You know due to the fact of the creditor is I've never heard that who's. The cradle. I've never heard it either, but when I called the creditor like it was true will you their way. You gotta pay this thing if they're not willing to negotiate. I still wanted out of my life because it's been looming in yours for a long long time did you get some. look you're done. What did you have? What you have done, I will recall it at the time when I had to go to the hospital took his problem on all. It was some bolder shoes and you know crazy acosta. You know thirty, two hundred to get that resolved

yeah, that's all I have done. I just want to go. Get their checked out so kind flip, is around and this in both of your hands at the same time that cool sure you're not like me, That's ok is cool. Like greece Toby, go for it just going to a local e r r, a dog on the box in the corner. It can be ray justly expensive ages, insanely expensive, especially your college student and you know, have neither alternatives right end. If we go back to your you, eighteen nineteen, twenty you're really sick and you walked in a place and you Will you help me and they said yes, we will it expensive. Yes, was it worth what they gave you I don't know who knows only even though at the procedure was in, and I really want to know, but there thing to be said for hay when I needed

I'll, be out there I'll pay. My bill, on twenty five and twenty six on this has been hanging around forever. It's time for me to just be an adult and say. Thank you, even though I think what you, what you charge was ten times what what you actually did, maybe they give you a high five and allow papa said, go, get em kid and in the charging, didn't you in a box right who knows what they did, but there something to be said for utilised service. It helped on better. I'm going to pay my bill, even though I don't agree with it. I'm going to be wise and informed moving forward, blushes pay this get out of our life of europe. You're gonna have a soul tax. You gotta make yourself not calling these folks emailing them waiting for the response getting the call you back and because their their jobs to take no for ever and ever and ever our men pay, the bill and move on with your life, my recommendation. That's what I do you have them. As much as I think all I can do with a drink is like a I just really don't want to, especially if there's option,

by events pretended latian, nay what you were built. Do you have the money ok and some more where you had financially right now to have any other debt. Stood. Allow the method appear, my build on time, good for you. What later income what's your income now right now, it's about just, but now it's about maybe thirty, five thirty six year. Ok and you more than twenty three hundred in the bank. Yes, you can give it one last college try, but if they say no, just now. I am ready to pay this thing in full and yet everything in writing. Yet, as the two big we do not under any circumstance give them your checking account number because they are going to save just give us. Your number will direct deposited or will direct drafted. Do not do that and and make sure you get a red receipt in writing, so I would get a money order. Go down to a post office, your local bank get a money order,

male this with a red receipt on it, so that you ve got proof. They received this thing and then your home free and you might sit home black man. I can't believe you are free, you're, finally done with the stuff for the college. I appreciate it: are islands Take one more this hour from the lash right here locally in nashville, tennessee molest welcomed the shell How are you thank you for taking my call sure? What's goin on you, so I am twenty six years old, We work in hr for a computer in nashville. and I make thirty five thousand a year currently have thirty five thousand into a longer. recently got into a doctor programme for farms in school and for four years to achieve will come up to What we are I once every five: what's home, it's going to get into. Let's go excellent answer. My question is

Do I pursue a doctor, a programme with the hopeful outcome? better salary and better future lifestyle, but will make me go into at most two hundred thousand dollars in london, do I stay I'm at like. I guess it for me. I know my dreams. I you know what my goals are, but then also looking at Real life, financial, practical side of things have been made to consider. Am I don't know you myself into a deeper hole or do I pursued these goals that it has while at george talked you the math part of it arizona tell you you and both your nashville lips, This programme is an excellent belmont, program is world class? Was a great she broke and others probably several other programmes run here

The world needs better pharmacist who are informed, who oranges pill, pushers, who teach people at the counter and care about their their patients, clients. We need em guy and you cannot afford this. two hundred and seventy five thousand dollars ripe so I want. I have Ends and colleagues at both of those schools, incredible opportunities, and you can't afford it man, I think we need to see what the other options are, and that might mean we wait. We pay for stewed loan that we start to stack up some cash. We yet scholarships maybe you're married by then we have dual income and we start to be able to cash flow. This thing, but right, I'm going to in a thousand dollars into debt and on either side hoping we make enough to pay the bills and get by and one day pay this dude loans off you're, just trading that for another burden. and then to wish it has one seventy five, but you have

the cost for three to four years. You ve got eating cost you ve got all sorts of other things that add up, and students coming out pharmacy degrees to fifty three hundred three fifty in the whole is not an anomaly. it's not a weird thing. That happens. It's rather common. Would love to see you crank this that thirty thousand dollars to loan debt out? You only make it fifty five, and so I get things are tight, especially here. Nashville misses expensive place to live it may, be that jumping to this next thing for years from now, is the right move right that a second and by the way My mom graduated from her phd at fifty seven. You have plenty of time a brother plenty of time to it there. way, do throw away. Don't don't don't! your entire life on one thing, this this. doesn't mean your life is over. You put paws on this thing to do at the right way: move slow, you will, when you have the cash you.

walk into that pharmacy program with a lot more pies? Yes, hey stay on the line, we're going to send your friends, Anthony O'Neill's book debt, free degree and he'll help you get there. My friend good call that puts this hour of the ramsey show in the books the day, George Campbell here, if you love the show, when you want a deeper dive on your money journey, we've got a weekly newsletter that gives you helpful articles and tips on following the Ramsay way, just go to ramsey solutions, dot com today to sign up for the newsletter again, that's ramsey solutions, dot com to sign up for our weekly newsletter, the page james producer of the ramsey show. This episode is over but check the episode notes for links to products and services you heard about during this episode. Thanks for listening