I from the head waters of ramsay solution, ramses we'd, all people build while do work. They love and create actual amazing george camel ramsay personality. Youtube's darn youtube cast the sensation smart money happy hour with rachel bruces mako over today, and that is appropriate because today we are

pre launching the pre sail on georgia's first book. It is very good, it's called breaking free from broke and it's gotta great picture, george hair, pushing out against us toxic monoculture too that's out there- and this is the ultimate millennial, jimsie guide to the things I used, say, but I show them in such a boomer way that this is actually incredible. I laughed loud reading the manuscript. I was very impressed with the level of research that you and the team of done to put into the book the detail the back up. I mean destroy some of these concepts, that are out there in sure why it is so persuasive that you just can't do stupid stuff anymore. After reading the book, I appreciate it Dave y know being here ten years now, having followed the ramsay plan for ten years now, he personally going from broke to millionaire after detaching

deprogramming all this time frame, weird to say that, say millionaire at your age, any it doesn't feel real. It's a number on a sheet of babylon cause. I don't read all the comet crap people ever say: course, your millionaire rams pays. You may and ass you respond. No, he does. I wish he did a very nice day. No truth is, I was. I was annoyed one guy with a normal job in marketing roles. I wasn't a personality up until a few years back and so my wife, who also works here. We just been following the stuff for years, and it turns out, if you just you know it in your four one k for a decade and get your paid off you become a millionaire fairly easily in america. Today. Also dispel so many objections that we ve heard over the years around credit score credit cards, auto loans, stew loans. It's like the told him make over meets complete guide. The money meets the fine print meat our future. Along with my. youtube, humor and snark and out someone said today, a good deal,

the snark I released at the first chapter. I read it on video and, as a comment said, I forgot, I was reading your reading a book. It felt like another one of your youtube videos and it was the best complement. That's because I tried to write road is its youtube on paper. I didn't want to develop a route canal reading a financial book of everything you never learned about money but wish you did, and so I tried to make it tory I would enjoy reading a book, and I hope I confess that you did you did it really really good and on breaking free from broke the ultimate guide to more money and less stress, So all of those things that people are saying on Tik tok and are saying on youtube and are saying on instagram You folks, reading those nigger you now It doesn't sound right, but you're not sure why Joe

We're just gonna. Tell you exactly: why painstakingly had you expand, president in F, tease and leverage real estate, and it was it was. lasting dave. I'm not gonna, lie writing a little long reading. It, though I was laughing my boat off, that's good enough just to funny, and it we had to go to the printing. world and invent a newt bond for the book. Have officially copyright now the snark font, that's right, and so the book is written and snort and though they usually happens in the parent statical her. We looked for the sarcasm thought for mine, but we couldn't get it so that we get the snark font for you. and show it that's a batch of publishing, breakthrough, that's huge and and Dave you wrote the forward, which is very kind of you had enough. You are forced to, but it was very nice of you to do that. I have your name on. I forced myself to oceans, I own the company right out from ramsey press you, I guess you might as well heh, but I was to do that, and I I you know

the ceo, not as an owner personality. I read all of our manuscripts of course and comment on them and rather bluntly to each of the personalities before they before it makes it through an egg procession and then at but long before it goes to print right, show that I get to read. You know. Doktor John bologna spoken on, like this book is gonna rock p. World. I'm anxiety, I mean billion on anxious lifeless. ex daily choices, its rocks, really good, breaking free from broke. George camels look. It comes out january, sixteen as right, and we will ship it to you, then, as always with a remedy book. It goes on pre sale today, we're gonna, let you buy it in. vance and we're gonna bribe you to do so. You'll get Instant access to georgia's newest talk show me the money and exclusive access to an online private event, acute would enclosure q and I, with george you'll, get the

your book in the e book when we ship the book I in january, on january, the sixteenth and whether a pre by it or by later, but do pre by please you part of it is you're gonna, be tat into every dollar and though they occur. Our code in the book that lets you get every dollar free For what ninety days, ninety days of all the premium features the premium every that's worth it alone. Even if you don't want to read this book, do it for the every dollar bonus settled. I asked about cost more than the book absolute and so we're doin. All this together is only twenty box. Ok shows like overhead Fifty dollars where the bonus items when include the every dollar in there for sure and show, go ahead and preorder it. It helps. George, with a marketing, helps us with a marketing, and it helps us with the orders with amazon all the stuff. We do to try to get a book out there, and I just I can promise I'll give you the ram she trusted seal of approval jaw does not only ramsay trusted, but others we dump. stuff out around here.

george rooted- and we just say, that's: ok, we print it. Now we all go through I beat the snot out of it and brought writing a book kind of a brutal process. It ran. I beat the snot out of me, yet what I mean other people were pretty straightforward. Yeah I mean absolutely. We got standards around here about that's what I'm saying is. It was worth it too, to make myself better and in write a book that I wish I had at twenty five. You know even at thirty and this, But that you can give to you know, even if you're older book is going to be one of those like what I know you know it. Lets in forty in your seventies, if you're seventy? This is a great book for you, because the font is perfectly science. We made sure of that. Only catch or Jana keeps irrelevant, because I have a lot of pop culture. References dave miss this. There are one sentence that includes for taylor, swift, song, titles and dave. Didn't even catch it, I meant that hot it, but I just really com is a year in meeting your swiftly, no

admitting that I'm not as culturally irrelevant as you think I am, but I didn't care dang it there is that so They there's plenty of punish, narc snark in here, including tighter. Now he was a starkey. Taylor is okay. Trust me, I don't want. The swift she's coming out from his serious truth is George exposes. The moat exposes the most common money, myths that are out there and the excuses that are out there and he takes his own head on credit cards games investing. Apps mortgage mythology. It's all there. If you wish, you were taught in high school and are some eu people, people that are bitching about be in a boomer all the time when we have the answer for you, it's called george and so this bill had been called dave junior out. I think it's a compliment, but I dont know one hour. I would come here her carefully if that's what you're growled out be worried about hairdo men to protect the cloth at all costs to protect the cloth, protect the clock, ramsay solutions, not gobs life story. You're gonna get knowledge and competence with this breaking free from broken

the ultimate guide to more money and less stress, daymond, john micro grams step and the mental militia and rachel crews are on the back. Endorsing and saying it's awesome because it is this. Is the ramsay shouts? Hey guys? rachel crews. If your health care costs are increasing, while your choices are decreasing, check out, christian healthcare ministries see a jam as not health insurance is a biblically based health cost sharing ministry that has helped thousands of families across the country by sharing each other's medical bills. C h m is an affordable alternative to health insurance that aligns with your values and makes it possible for you to save on health care without giving up your freedom check out more at c h, ministries, dot, org, slash budget, that c h, ministries, dot, org, slash budgets. George Gammell ramsay personality is my co host today. Thank you for joining us aaa eight to five five to two

I've amber is in houston, texas, I, how are you Well dave! I had a bit of a heart heartbreak, I'm I'm calling for your advice regarding my father's finance to be okay. What's going on and he well, he has three some credit cards in the total of twenty six thousand dollars, he's fallen for every and he baby one year old, had fallen from meda nigerian prince bridge at this point. Were intervening in its finances, though his old. We can help with his bill. We can help what he's got a mortgage covered with social security and are twenty three hundred approximately he brings them thousand ninety one dollars. The total I had occurred outstanding amount of twenty six thousand.

And we don't know at this point whether he should declare bankruptcy or we should let those credit cards go into default and try to negotiate with a collector. I'm just not sure how to help with I'm guessing has no money no money. He brings in nineteen. Twenty six and social secure what are the ones that I only worth a lot the keeper at the house, for a five. Fifty probably- what she o on it very forty intact as he and Texas. Now Oregon Ok, well, I am not, I happen to know texas loggers it on you, Will I dont know organs law, but I suspect it's a standard a fairly norm

state, which would mean that they avenged, could take a lean against his house if they slew him, ok, if you don't pay them and they sue him, they take a lien against his house. He has no money to pay them. There's no money in this budget night and he has no money. Does he have a car? No, not one and now he has a vehicle, but my brother gave it to them. It's on. It's last legs like a thousand dollars or something yes under three yeah. Okay, alright and you have siblings. yeah. Ok, how are the ship links as far as money? Do you have any do they have any can? Can we get it? can we get a group together and chip in and come up with timber and unsettled twenty six thousand dollars for the bad credit card that, yes, the let it go by. Had? Let it go bad and then go shuttle it before they take him

what did like a lean on his mouth. To go. Bad he's. A man and the environment are the minimum with what you gave me, you can barely pray, the house payment and eat way. He had been working physically, as anyone trying to make a payment, so he bring a little bit to cover by means of making up the different it go to court and and then just fight it out with settle it out, sell out for a quarter on the dollar for cash, destroy him, at it. Shall we can't get any more in the process? Let's because he living alone right now we plan on living man for years, but rather we ve taken I've taken over his finances, which credit credit cards he had every spyware on his computers were turned to get rid of

What's a mortgage payment because my worry is: is expenses keep goin up here, the same amount of money. You guys are chicken in for the next ten twenty years trotted supported lifestyle which ain't much. Why not? What might happen then? Maybe he to sell a house and make other events for a train that this is a family home and so on its it's nostalgic to men, mortgages, seventeen, fifty six to answer the question also. He finished two two thousand come again sometime six on the mortgage. He doesn't mind the mighty heat and does he now And so we are putting in a thousand dollars to cover his bow and Well, then, as now, it was gonna get replace. With this core memory and so had rather sell the house and have him retire with dignity than have yearnest. Tied up in this keeping them in that awful situation. Your pay him a thousand.

Yes, my brother and I are your brother in law. That is just two of you. There are three of us, but only two that are financially stable, okay and the arm, you have a rich agreement where you recoup that when he passes before we start split, not house equity up now who thought about putting any trust in getting the name the home into our names? To he can't help we're talking about your other sibling shouldn't get a third until you get. Your thousand dollars a month back haven't yeah yeah you're right, I'm right you're gonna to later, and it's gonna get is gonna, get real testy later when they that doesn't have any money. Thanks that she had the lot hour, he had a lotta when the house, with a per se, on papas dodd. Oh so please get this dialogue and the right thing to do for me Surely is sell the house and help him

make a transition into another place. They pay cash for any pay off these debts and we put him on a budget the right thing to do. Mathematically, what I'm dusk being with an eighty two year old is very, very difficult. Yet emotionally family house nostalgia all the things we are talking about here. So what probably will happen as you all well limp, along feeding their should? A thousand dollars a month, annual in and get ten thousand dollars together to knock out the twenty six thousand dollars and bad old credit card, that his credit will be droid when he passes you'll sell the house recoup the ten thousand dollars, plus the thousand dollars a month that you put in before you split with yours, who's, not putting anything in, and that's all in writing now, if you're, Linda freed it to that tune. Just keep him in the house. The only reason you're doing that by the way, there's only one reason you're doing their best to keep him in the house.

so. The rain that you're putting on your brother's finances in your finances to do all of that is only to keep your dad in this house. which, if you ve, got two million dollars. It's no big deal. If you got thousand boxing you're, throwing a thousand of it. That's that's a lot we have a million and for a one case, the plane but our daily. You know my budget is then yeah. We have fifty. We follow. Europe and we yeah fifteen, going into my area, you ve gotta, go, do your paper work now and if dad will not give sean over full power of attorney and all decision making rights to you and your brother and yours, sure will not understand. Are your brother? Whatever the third one is agreed to you recoup before you split? in writing, then any those in this discussion and we shall house. I understand-

crystal so clear. Everyone needs to have every t crossed every eye, dotted and Everyone is on the same page and discussing is cause your dad's of his right mind. He's justice to build a scams. Yes, he's not he's not like him third stage dementia- something right not yet so now and is eighty to show statistically you're under there. for two years or so I don't know what his shoulders like, but he could do it for ten georgia right could do it for twenty georgia's right. Those are possibilities, but statistically You know what we're not doing this for a long long time and the other thing you I would real, clear honest. This is what we're gonna do for now. We were serve the right to decide to sell the house later, but you You may reach the end of rope on there's your husband. Might your brother might want a mat or been husband? if it were your wife than your in law and you see financially. This is a poor decision that would really,

I don't think it's for your decision. Cause you're gonna, get your money back out of the equity. And basically your cat you're, putting a strain on your cash flow, but you're nice not costing you anything at the end of the story and the strain on cash flow is in return for your dad getting live out his last days and in his whole family home. That's the trader, and I don't necessarily think that's a bad trade as long as We bodies on board and we signing up for this, but dad one more stupid scam we're done sister brother, you don't a greater. recoup we're done you're not going to live on a budget and work and pay your house payment and you're going to and I'm going to manage your money you're going to sign over power of attorney. We're done we're done there. Nurse are stipulations to play in this through and putting a strain on our family

while we teach your ramsay boils down to taking control of your life, it's all about personal responsibility and if you own a gun, that's even more important shall I recommend becoming a member of the? U s concealed, carry association, you'll, have immediate access to la building, insurance, education and training, to protect your loved ones and defend your rights in the most responsible way. Go to? U s! Cc aid, dotcom, sledge, Ramsay, enjoined to day. That's: u s c c a dot com, slash, ramsay george camel ramsay personality soon to be number one. Bustling author is my co host. Today stage in the Ramsay solutions lobby we very special gash on the debt free stage. If you didn't know- money. Problems are the number one thing that stress out employees team members at your company,

If you didn't know, we help companies, big companies and small companies with that by providing in hr benefit to them called smart dollar that allows them to have their team. Members go through our curriculum, its kind alike, financial, patient, work, shorter, but alive but I mesa his face. Teaching you out a bit on budget out again. But that I live on less than you make all that kind of stuff and I and it's fun- it's taught by me in georgian rachel and so on, and so pretty incredible one of, companies that has had all of their team go through smart dollar and provide, it to them as a benefit at no cost to the employee. Is you hall, you also great company the way we ve got a lot of interaction with them over the last couple of years. They do a great job and so forth. I'll team members, that's translated to combined

point seven million dollars in debt paid and in dollars saved. That means that those team, spurs are not stressed about money shall, while their work their thinking about work instead of mastercard Tuttle, Productivity goes up. That's other stuff works, so this is the deal. Shall all of that or our debt free scream- is from a all three member and chris and jessica. Where do you guys? Live oak grove? California? Ok, so you're, not in the home office officers, phoenix right, correct, ok, go how long you been with you all twenty three years: wow! That's all long time, so They come in and go da da da da smart dollars here. Had you ever heard of us when they presented all this? No, I have not, oh so it's all brand new, yes, so company benefit which kind could be like a low above and I roll like what is theirs? What are you as yellow snake oil at what I would do. Did you do that moment?

that's what I did you he's is someone with the gift of cynicism. Good for you, but you gave it a shot anyway, but you gave it a shot at christmas, as okay companies provide an doesn't cost anything we might as well try to do what you tell her Chris. I was. a conference when I learned about it, and so when I got home my bright idea, let's get out of debt when she's the one it does all the books so. I come home with great idea now. You're, a genius yeah, ok, and I looked at me like no- you don't stay away from my stuff I gotta figured out so how to jail, decide to actually take the class. It was more of me watching you to listen to the podcast gas, get her stuck in car to listen to it as well, so you kind of- ample some of our stuff in the market and then that it will do to plug back into smart dollar. You, oh, ok, very cool suggestion

what convince you to actually try it at rather actual smart dollar thing which you're watching you tube. Listen the pot gastric. What happened it didn't cost anything. So what could it hurt? Ah except that they might have some weird ideas probably not argue in our both small but yeah we're relations. At least we're not because I'm betcha we were on the same team. Aren't we? Yes, we were alright. So as long as you both wanted to get out of debt you're like alright he's making sense. Let's do this thing absolutely. much that did. You guys have combined We had we're tuner ninety one thousand dollars. I wanted that include we, rental house that had an hundred eighty thousand dollars. We have it travel that was about seven thousand remaining and seventy three thousand and credit cards why the credit card for kick in your, but yes, rejoice all around it shall royal house or pay it off. We stole battle solvent march of twenty.

Twenty on me, my birthday present the drop on the timing, the one thousand percent yes well, thank you Jesus. even my prayers were to be answer. That was that day, because the people that were in the home were in the restaurant the interests of industry, which means they lost their jobs, value pandemic. Oh, my god, so, how long did it take to pay off two hundred? Ninety one dollar shoulders out with one eighty, three, seventy five, the car dead, then then, yet plow through the other, how long did it take to pay off that other day, the remaining twenty one months? Twenty one months good for you good Well, because you hall, all of you haulage going through this or treat you all like retreat, Ramsay team member when they're doing there rich green, we're not gonna! Ask your income goes all your boy! These are going to be watching this and they're going to go. I know I Chris makes now and we're not doing that so we're going to get

I give you a lot give you a break on that, but congratulations. What do you do for a living jessica? raise our children, yeah awesome, yes, full time, the engineer I love it good, for you are theo, shout that you went through smart dollar and you pay off. No ninety one thousand, including the sale of a hundred. Ninety five path, travelled writer and credit cards by the hard way. Why? I guess Probably a little equity. Are the rental right to throw at it, but forty three thousand look: I slept jumped up some But in the rest of you just budgeted throat, rhine what're, you tell people the key to Dave cut up your credit cards, sweden to get him think people by just really cold turkey no, I wasn't sure yeah I got a lotta just so get on paper and really getting sick at how much we had and going what? What did we buy where is all they were Lascaux yeah. So

wishes? It was freedom. Finally, getting App using a budget and senior money is actually going somewhere late on one of the ago, so they every dollar up yet yeah. Look at getting a transition to putting it where we actually need the money to go versus the restaurant here, amazon, their target whatever by getting on a budget and actually known where every dollar goes allowed us to kind of get a raise. As we cut one credit card, we have more money and maxine knower rowan kept that's snowball gone controls are gone. Was there an extra layer of accountability with team members and hr was kind of like alright. We gotta do this thing and I think the the kids were the biggest motivation, knowing that they're getting older, that, if we didn't do this college, was, can be a lot harder to do and setting them up for success. So they weren't going down the same path as us was kind of the motivation to keep going and get it done even faster, because all the other ways we did didn't work at the strong. Why changing the family tree yeah and

We got a phone call this morning from our daughter to get her first acceptance letter for college, so learning, timing, gambia, while we gotta those two: may we get a ride? Those checks and I was in sight- was zeros on the end. That's gonna opportunity. You have opportunities so chris. What do you do it? You hop marking company press, oversee the region of all the EU halls and are district that at work? And I got you ok cool and you at twenty three years, how many team members have you all have total? I believe about forty thousand okay yeah, pretty substantial company, to say the least: may we all think of it as the truck or the trailer from the consumer viewpoint right, but it's a big if the cab company yeah. So as a leader than twenty three years in that company you've now personally experienced this. You are able to concentrate on work because you don't have two hundred and seventy one. Ninety one thousand hours worth of debt hanging over you and you're now congruent with your spouse, are working together,

of her doing it by herself and then are you trying to figure out what's happening, and, and her wishing you would have helped and all that stuff right. So now you till you see the benefit personally, but I am curious cause. I don't get to ask this very often and some doubt what I'm doing something and leadership I personally get to experience it like you have but I also immediately see if the person downstream does it, how it's going benefit them and benefit the company, because I actually think do you see that, the the stuff we've been talking about with productivity and some of the team members getting they're getting their lives back. Yeah cause we're able to focus more on what we're doing at work versus at home, and I'm able to talk to my staff on different things, with my team on ways that they can better their personal life, because you get to know all your team members and get to know about their family kind of their financial. If they're talking about going to buy a car or I gotta leave early, I gotta go, do a refinance or I got

the second job, that kind of thing now at least you got a place to go to discuss it and why to go, you guys were proud of you, go and our salute to the: u hall, leadership team for letting wonderful people, aggression, jessica, go through smart dollar and pay after one and ninety one thousand dollars and that count it what's era debt free scream? Three too, One word I love. This is the rams issue fake it till you make it its popular careered vice but it doesnt work very long. If you will But you do you get fake the enthusiasm and energy you need to win at work. You also can't figure local health and energy. Everybody knows we should eat more fruits and vegetables, but fruit choosing. Gee chips, don't count if you aren't winning physically

promise your limiting your opportunity, to win professionally folks. I know you're goin hard right now to pay off debt and get ahead professionally, you need it the gear, and that's why bell of nature, will help you. They help me. They give me the bat It's a fresh whole region bed using just seconds the blind thirty one different fruits and vegetables powdered. In an advanced process. that locks in the nutrients so go to balance of nature, dot, com enter the promo code ramsay to get thirty five percent off your first order and lock in a lifetime price as a preferred customer? That's bad of nature dotcom with the promo code ramsay for thirty five percent off your first order, george camel ramsay personality is my co host today, open phones aaa eight to five five two to five nick is, greenville south carolina high nick welcome to the refugee issue, cases and sure, what's up

so am. I am curious how I should go doubts on starting to tackle a small stood alone mountain I'm when I'm about we thousand a month after expenses, I have about nine hundred spare on some student once just started, but first payment last month, I'm wanting to know Should I do the snowballs should I be tackled with an avalanche method on and how to go, about doing this. All the while properly preparing for a taxi design. The independent contractor go What's the total stood loaned at that, you have. I'm around thirty three thousand. What do you do

and uber driver. My college down had just recently graduated my bachelors taken around the area. What are you doin bachelors and what, I'm psychology I'll be applying for a masters clinical council. On the matter. Hopefully, if I get a now star august, harry gonna pay for that. I am thankfully, on the g I bill. I guides most mice bachelor's. Well, all my bachelor paid with joy bill, the of thirty three thousand was pretty much living expenses over for years to the cost of living, not We are now working on I'll, be able to have eighteen months out of my to your programme for my masters still covered under the g I bill due to how I de my school

and I will have to do- one semester out far more student loans nick you're you're, new to the whole ramsay thing minor loss. Why are you so yeah yeah? I know this by the questions are asking in the statement for making. So what I discovered- and we have discovered years ago, is the fastest way to financial peace. Peace in your finances, the fastest way to wealth, is to avoid dead, cost, because your most powerful wealth building tool is your income. When you committed all the sally freaking. May you you destroy your piece and that's why you're calling us cause your nose? peace. Right now now, when you restart whether student loans go back on deferral, I'm assuming so yeah

as long as I'm an active student, the I shelter and show so what that tells me as the first thing we're can talk about is how you can get your income up, so you can cover future living expenses and keep it up and no whining just work. Ok, you're, just gonna have to work and because otherwise, you're gonna create another mountain of certain loan. Bad because you didn't work, show you have to work. While you work on your masters, oh well, by the way Almost everyone had a job when they were in college. Almost everyone worked when they were in college some were smarter about it made more than others, but all everyone they went to college worked, I did I worked forty. Sixty hours a week when I was in school, ok back when the dollar was run the earth, but, but anyway, so nothing wrong with working. You can work and you can do a master's degree in psychology and not enough

the problem with your goal, you're going to need the masters to get licensed if you're going to move into therapy for years linda counselling in mostar, concluding south carolina, so you're gonna have to get the masters its permission to play its table stakes. So are you going and do that, let the g I pay for it and by the way, thank you for your service in order to get the genes taxpayer, I'm more than happy to pay for your school. In return, we should. Thank you show you go, do that, but by god, your tail in gear and pay for cash for that last semester? They're talking about its hanging out there, that dangling semester and by god yet enough money and that you have bologna and the house. You have bologna sandwiches. If you ain't a wish sandwich two pieces of bread and wish. I had some meat. Ok, just going do whatever it takes to get through this with no death. You follow you follow my intensity here. Yes, ok, but daddy's behaviour thing. You kind outlined that a little bit in your process show your face. To go right now is com

physicians! Gold do no more harm. Your first goal is finish your master's, no more debt. That's more! I do. I do think. I started that Pra and ah the first step to that. I am in a debt consolidation program. I'm in so that's two. of my credit cards have already been cut up and no longer be news. Yeah, ok, sure that the double being we're, gonna live on. What we make and then step to step. One is no more debt finish. The masters right with If we can find any more money above that- and we will start reducing debt, Then we would use the debt snowball, not the debt avalanche. The reason is the dead avalanche, normally doesn't work. Because you're in psychology, it's a feedback, loop, ok

when you pay off the smallest dat, it encourages you dislike going on a diet and I lost wait. They avalanches, Go on a diet and gain three pounds a first week getting no traction. I get no positive feedback. Loop doing urged me emotionally too in two stay engaged in a difficult, behavior change. It's the rat, pushing the lever, needs some freakin cheese, Ella watch all we are and so that the reason that snowball works is feedback loop. It's not. The math is modestly incorrect does repay. It off smallest balance, the largest ballots, regardless of the interest rate, but the differences math equally it has a much higher probability of completion. and the debt out, I chose an almost zero probability completely of completion because there's no feedback issue, there's no feedback loop

so that the feedback is so long that no one staging engaged, and so the pragmatic probability of completion goes down shall overall, technically speaking, if you want to get really nerdy about the math, when you build and probably of completion. The debt chernobyl actually mathematically more correct, then the avalanche, but I don't work now, I'm getting real nerdy, an intellectual, but it yeah dave's right. I had a very similar situation to unik. I was thirty six thousand dollars in debt ten years ago and my student loans- and I thought no will make sense to do the highest interests first, when I broke him all down- and it turns out I started using their debts, noble method. I actually got this little thing called hope. If I can, One out I can knock the next one out. It's a little. Bigger cannot be the next one out is a little bigger. I start freeing up these payments. They start making traction and eighteen later. I was debt free. I no that I'd be saying the same thing today. If I had used the avalanche method and georgie even bite off his own, much

indeed our future down their neck. But so I think what needs to happen is what we win. Add in life is the things we caution, right on if we want to run a half marathon, we have to concentrate on the training to prepare to do that. If you want to grow white. Without any more that you have to concentrate on that and that involves keeping here no down in your income up- and these are the things were concentrating on after this discussion, today that you in georgia have had an show that that would be our thing work the debt snowball, but truthfully idle. expect you to make a lot of progress on it in the next two years because your main focus is for nick to grow. Joy with no more debt of any kind, and live on. Let you know, make enough money to live on and finish that last dangling semester on the end there, the tingling semester, I that can be like a blog but yeah, but the ah yeah that that

that you can do this neck I'll tell what we're gonna send your copy. The book, the total money make over, which my best showing book average about ten million copies out their it'll show exactly how to do what we're talking about and you can play through and do this it is just making that paradigm shift and go and I'm gonna try a proven plan instead of intellect my way out of this as huge when you can just commit to a process. Yeah it's you know behaviour follows leaf amber if does come from a feedback, loop believers hope right and so I have to believe it's gonna work and then I'll engage in the sacrifices in order to win I know- and I want you to believe that you can do what we just told you to do. This is the rams issue

in fact the show is always been about you and for you. So we want to hear from you right now. The ramsay show annual survey is alive text survey to three three: seven: eight nine or go to ramsay solutions, not calm, sly survey when you The survey you'll be entered the win, a five hundred dollar gift card. That's survey text it to three three: seven, eight, nine thanks for bring us understand how to view best, from the headquarters of ramsay solutions. It's ramsay, ramsey show we people build wealth, do work that they love and create actual amazing relationship, george camel ramsay personality is michael host. Today is also the co host smart money happy hour and the host of the vastly popular youtube channel, the george camel were the k

a Emmy l channel and its full of snark and fun and humor and basic really good knowledge that helps you attack everything out there in the money space that were both are telling you lies to get. Your money were announced today, georgia's brand new book breaking free from broke. The ultimate goal I'd to more money and less stress is on pre sale. Starting to day, the book will actually pub on january, the sixteenth, which means that one will mail it to you. In the In time we're gonna have it here for sale, and that includes a whole bunch of goodies whenever you by the book now or later, you'll find a cure code or six internet then I'll help you sign up for a free. Three the one on every dollar. Premium. The does the bank connectivity and does the whole deal. That's

it's value in and of itself, and that makes the book worth purchasing if you pre purchase it. Of course that's included are also going to get at. It access to georgia's newest talk show me the money exclusion access this fall before christmas to an online private event. We, including a q and a with george we're talking about an online financial event, helping you with your money? I includes the a book and a book which will come out in january, simultaneous with the book. George, congratulations. Thank you on pumped on this. It's enough aben work. for a year now, and so it's weird to now be able to talk about a publicly, but this is, at ten years of work on here range of trying to help people a vote. some of the myths traps out there and the gap between financial stress and financial peace is littered with those, as you know, so I'm trying to clear the noise make it simple, make it fun, as is everything you wish you learned about money, but never did a murder the team is than such a great job with it, and while you ve

in the research is airtight, humor and the snark. Ah, growing some of this tik tok stuff. That's going on out there, the crypto currency are obliged the whole life garbage that come back the nothing down real estate stuff. It's come back. The odds you know: you're gonna get rich with credit card airline miles and all that stuff. You through line by line by line by line by line and help people break free from bring back. Can you address every one of the the lies that are out there and this toxic monoculture only every action every month and I try to do the one to punch with a lotta research and allow humor and, of course, him empathy to go. I understand it feels like its harder than ever to get ahead with money, but you can break break free from broke twenty twenty three and twenty twenty four chauffeur, You millennials and ginger ease. The cool kids are now here and I'll be here to hell. I've never been to school kid, but I call now your officially data knighted medical. Well, I mean that's the thing:

you're, being measured against me, which, being the gear bars allow airy low bar. So am I appreciate showing up beside me. You just need to be a kid. I gotta hang out today, more really my brand mark. As in toledo, I mark welcome to the ramsay, show dave thanks for enemy chirp. What's up, My fiance weren't a bit of a situation. She took her car to get her oil changed at one instant oil, strange voices and they didn't put enough oil on the car, so she laughed and she drew back and then start having problems took back there and they talk but after all oil, she drove it little bit more and the engine boola, so we took it, we had to do a shop, the shops was due to lack of oil. They fared contractor insurance. Contact bubbling by all quaint aren't churns company denied climb, because they said it was because of maintenance, lack of made

we got a family and his daughter, larger and valvoline is saying thing: they did everything right and they put enough oil car Now twelve thousand hours on end sitting at a sharp and it needs a ten thousand dollar engine and both for their insurances are saying: it's not our fault. What is not your insurance? You don't have insurance for blown engines, there's no such thing so it, but it is valid for mind. You have a legal problem. Yes, have you contact in return Yeah yeah my friend an attorney and is in the car industry an attorney and ease, and he can't really prove it might be kind of a work, though I have every hope got. You need a different lawyer, then your errand, ok, because their theirs

two issues involved with a strategy here. Issue. number one is being able to prove it. But we have consumer here the says: evelyn didn't put valvoline oil in the car blew up priests whole equation, there's nothing wrong with the car. Prior to that day, the the ah the mechanic has given the expert has said the car blew up because it didn't have enough oil right after you went to the oil place. Okay, this is not that difficult in equation right. That's what I call from a legal perspective. It's not ok! So now a valvoline has to decide if they want to spend twenty five. In dollars and legal fees, because you're going after their throat or if they want just fix the car, which is what they should do. and the way they decide. That is your shoe there, but an

they looked down and go out. The scots serious so you need to do is call the the store manager. I showed you ve already had a discussion or six with him. Yes, look at and say I need your legal department For my attorney to get in touch with because getting rate a shoe you personally, I'm gonna. Sue the guy who didn't put the plugin personally, I'm gonna shoot store in the franchise you personally and I've already trash, valvoline in front of twenty two million people on the ramsay show, and this It's gonna get worse for you guys because I mean what you're describing you're, not calling up like some drama queen and you're, not you're, not act and all crazy you're, just describing a ten dollar in our god input string can all plug back in hello. Well, what end there saying their guns were. our and they haven't on baby here that the oil got but in their but then

I declare it magical. What did you use the disappearing oil? I didn't know you had that when I took it back, the guy put more oil in the car yeah, I'm possible. If it was a proper amount, it would have been spilling out through the manifold and blown out through the muffler when you overfill a car with oil didn't blow up front too much oil. What type of returning should I look for me. How do I go about finding mean and angry? Ok yeah, I'm serious! because yours what's gonna happen, what I'm describing to you as you are going becoming larger hassle to them than they want to deal with, and so they're gonna fix the car the squeaky we'll gets. greece must, I think we need a more often river quadrant oil in this case, but yeah

I need to get someone that's going to get all up in their stuff and say: listen, we're going to sue you and we're going to make a spectacle, love you and these corporations cave like yesterday's minute oh, my god, it's just that they're going to write a check. That is what needs to happen. You get your money on what you're describing is a very clear face.

The folks with all these devices and time spent online. Having an iD theft. Protection plan is an absolute necessity in this digital world. The only plan I've ever recommended is from Zander insurance, Zander blends cutting edge cyber and prevention services, together with monitoring alerts, stolen funds, protection and unlimited recovery services to make sure you are fully protected at the lowest cost. Kids are even included for free on their family plan, give them a call at eight hundred three five, six, forty two, eighty two or visit zander dot com to get you and your family protected george campbell ramsey personality is my co host today, open phones have triple eight eight to five. Five two to five jacob is in fort worth: texas, hi Jacob. How are you.

Our days, thanks for taking my call, I'm doing very well good. How can we help today? So my question, for you is, if gone back to school, to pursue my bachelors is a smart use of my time. Do you have any degrees? Currently I do the long story short I men coming archibald time. Am I a as those used in requiring spewed engineering, which I got off both to wishing waiver academic merit, dollar ship and color grants during the pandemic, and while I was able to graduate without a diamond students the great and so this particular opportunity has come up the war, I confess, do my fax, verse and music business

pretty generous discounts and from other incentives that will allow me to go through the entire duration part time and my entire financial obligation was. I come out to about. Maybe brief outline. What are you changing horses for? Well, I can put it is its bed? Is that now I know I work more time, but I will have for part time jobs. On top of that, you are minority work there, you're cool thomas. What would you do? I'm not production manager and an auto engine. recording, engineer, recording engineer for innovation and alcohol or, on a part time, jobs, part time, job and related fields for fun or are you turning earn? Some extra income, though the part time jobs are for extra income by

also offers more of them are good. Ok, remarry again what you just said. Your current degree was in a kind of rating. when you engineering, oh ok, so are you wanting to do something totally different? Now, just music businesses want to get the music side instead of there are the business side right bow. Yet probably the big big thing is that is being able to expand and advance I career essentially, and to broaden my knowledge on the music as a part of it, and- and I can call to come from a background in a commercial, real estate management and after getting bite off. It was my wife that she told me to go back to college, to study something like as though I chose acquaint you'd engineering and I've been busy knocked up ever response, and yes, I put in a lot of long hours, but I've never been any less stress and it's never been a stressful job.

doing what I do. I'm just worried. This isn't gonna, give you what you want, but you get on. The other I do this and you have a degree in you were able to pay for it, but it's not anywhere closer to what you want to do so we got a lotta music business degrees that work your aims solutions and we don't have a music department. So I tell you that to say it's not gonna, just magically give you this if a dream job in music business just because you have the degree and wireless relationships and networking and those kinds of opportunities. If you can do, if you have done calmer, also deals in the past and you do audio engineering You don't need a music business degree to do business in music, snot nets, I'm, not permission to ply their not going teach you anything! In that degree, that's gonna be earth shatteringly different. The bill. in principle, you are already aware of function in the music business as well,

And on the business of music childish bay show, I you know if you come in our schools kid and year, twenty two and you want to go into the music, the business side of the music business, than a music business degree might be, but a business degree also would just do it. You don't have to know anything about music. You schedule do business and coming so and the thing is you don't get joy from that anyway? What you get joy from is actually producing right, yeah And you know you don't need a music business degree to grow your production career. So no I wouldn't do it that's fair. I wouldn't do I cause. I don't think what you do need, is you do need and what you're willing to engage in is to increase your knowledge base, but a degree is not necessary if

wanna, go audits from clashes on accounting and marketing, and you wanna takes a few business. If there's a Gold curriculum that has a music business, actual subject matter and you will take a couple: those classes- that's fine, but that's far different than engaging in a full degree programme and, not least in that are necessary. In order. some tools in your belt that you don't have in your belt. Now that enable you to those next steps, but these skin. The actual degree itself is not is not the door. It's not the door opened. The knowledge is the door opener. see you see that makes them yet like five classes instead of thirty is the difference. Even in those classes? You're not gonna, learn everything you need some of it you're just going to get your foot in the door and you're going to learn and be mentored, word by whoever's, leading you in that particular area. But I dont send

that you're wanting to run a racket record label now and the end a big part of it. Is you the event. My knowledge in the music as part of the end, that and in on end of organ donation out of work for is also offering that, if I'd democracy Then there are on the right any additional as it can. They be occurred with that you'll budgeting, free domain. You do invest your time to do it. I think you need to have ache clear goal for what the career and job is not for what the degree is and then then church on now just not assured for that, I make you. We have but to be a national is george said. I grew up in well, I've got several very closely, that own and run record labels and built in sold them, and I you know that I'm afraid I know more about it than I want to know,

and I just I don't run into people run around there, the girl, you know I wouldn't listen. You come to work at my record label in the leadership because a music business great zero times have I heard something zero, it's more like? Can they get there? done in know, it's like any other small business arrangement, and so can you actually be effective and if need some more knowledge to be effective, get the knowledge, but do not take the time. Of your life to go, collect more degrees. That's not going to make your life better. I wouldn't do it thanks for the call open found a triple eight to five five, two to five joseph some grand rapids high joseph how're, you again thanks so much for Michael sure, what's up, well, we are about eleven weeks pregnant with our second child. Yeah. Ah George didn't get any sleep last night either xos did

We've only been doing the baby steps a couple of months. I know that you're supposed to stop baby step to an m b, a start setting up, but just wondering: when, should I start shaving and like how much is it like a specific and when we start the baby steps Oh you can in the next eight months are seven months in your case. Ok at cultures thing! If you look, let's much, could you say if you went crazy, like ten thousand bucks I me one thousand bucks by which, in the middle of your team, so if you stack up Fifteen thousand, instead of paying down debt by fifteen thousand seven months from today mommy and become come. The hospital you're right, fifteen thousand hours worth of checks and pay off at fitting does not for the day that you would have paid off during this seven,

each other, wash revolver me yeah. What is it? What did you lose the interest on that debt during that time? That's all unwanted! game huge pile of money and peace of mind, while by reason the. Why sure that's why we try to do that? That's our reasoning! It's not sampled or not! yeah, I read so delicate specific goal, which is, he's a mine and does not just in case and I'm gonna turn around drain every dime of it, but one thousand as soon as mama baby come home from the hospital healthy and at the minimum The outer pocket max for your insurance, because your definition we pay in that out over the next few months, Congratulations sharp happy for you The ramsey show george, camel ramsay personality- is my co host today. Thank you for joining us america.

If you didn't know money, problems are the number one thing they cause divorce in America today, money problems or the number one stretch, point of the team that you work with at your workplace and if it's a if your personal money problems are addressed, point meaning mastercard is bothering you. You were too much carbon repose. You had a big fight. We are spouse about money, ah, means when you're at work. You're thinking about that stuff. Instead of work, which is a productivity issue, hello show, Lots of great companies around america have decided to address that. We coined the phrase a decade now Forego call financial wellness and now well. This is quite the craze in the hr world to help their team get financial wellness. We have a product called smart dollar where companies by our curriculum to teach their teams how to handle money they furnish it to them.

Nature benefit and launch a great companies across amerika have on that many many big ones, and many many many many many small ones, and so were thankful for that, because happens is when the team goes through this. They are less stressed about money and their productivity goes up their concentrating on work at work. the great come asia does that is you hall you home, you didn't know is a massively large company, wonderful cut me. We ve done a business with them for a lot of yours and show today were kind of a u hall day around Ramsay because we cannot allow the, u hall, team members coming into: do their debt free scream, because I ve been teaching smart dollar for many men. Months now and years for that matter, show. over six point seven million dollars and at paid and dollar saved within that one coming, due to the company furnished This is a benefit to their team financial wellness with smart dollar on the debt

restage or darien teresa good. Oh you hall team members, hey guys. How are you doing great how're you better than I deserve nobody all live, phoenix arizona live you would be in the home office. Yes, sir I'll catch you very cool very and which one are we working for you all. That would be mentally you gary. How long have you been they're gone on fifteen years wow? time between member excellent job. Ok How much debt of you paid off thirty seven thousand two hundred dollars and now as a car and a credit card, very good? How long did that take? But twenty eight months good for you, what do you do it? You hop I'm business analysed with our: u box, which is shipping containers that are dropped at your house. You load him. your leisure we'd pick him up and they will deliver from point a to point b will storm whatever you want, ah good at weldon,

George George is ordering one right now these not even moving, I don't even know it sounds ganz on so that's cool hello. You guys been married, This is our second marriage were blended, family were going on nineteen year LAO and one of them he's a weed when we first got married. We wanted to keep open our finances together and we get in used to financial peace university and then, when smart dollar came to you hall. I just became a champion in a cheerleader for it very good situation. When the showed up at his work, you already knew about all up right. I knew about it. knew what we have done in the past, with financial peace university as well. So that was another Why was only thirty? Eight thousand you'd fallen off the wagon little under tell clean up to do exactly I've

and the advice of counsel, I'd like to plead the fifth yeah yeah. She counsels you not to put your face around yeah, exactly exactly and that's what it is, and you know we just got back on it, and every company needs have smart dollar it just is phenomenal the people you hold. It have embraced it. You know now, I have somebody came to me the other day and they said I can breathe now. It's just absolutely wonderful and trees. I no, I was talking with her. She just said it so exciting. The way it set up it so easy to follow the situation. Did you go back furthermore, dollar, thirty or forty started on it or work, I'm a little bit. Okay, aren't cool, show ya. Working night together again, but it just write it has brought it back to for you guys. It was a review, yes

more than an introduction, hooker raja, very good and also a different partners with it. You know trying to go through a before when I was by myself. After my, marriage? Oh, you are married when you did before I was married, the first I know you I'm here to warrant married when you and I together, oaken ok, show that yet makes a lot of sense that yeah it's a whole new set our eyes to look at it now, yeah, absolutely very cool. That's amazing! I'm curious. You know. A lot of people say why hey that's that's personal stuff! Leave that at home you gotta be at work, but what you're saying is you can't really? Because when you get to work in your stress cause, our broke down in one of the repairs to make it all you complaining about in the break room. Is this car and this money problem in? to show up at work and not have that and everyone's on champing in each other s. An amazing feeling o absolutely ended to piggy back on that now when we have to replace tyres or something goes out, it's not,

emergency. It's inconvenience right, that's huge! That makes a big difference the charge both work. What so people- the key to getting out of debt is budgeting- spend less than what you make budget persevere. Persevere push on pushing through their all connected well done you too, I'm proud of you great work, very, very cool. Show you ve seen a difference in some of your co workers as well there, oh, absolutely absolutely every company should get this marked dollar it it just. It makes the difference, because people see I can do this. I can live it and then, at the end of the day, like georgia, I'm not thinking about how am I gonna pay, my minimum payment. and and I'm going to have to get a cash advance, and what am I going to do and then how am I going to go home and face my wife? You know. Thank you.

as gary on the wrong see as business analyse these quite a pitch man at the impress you to sales. So when you hall any sullen and more recently, the u bombing in everything he shall and understand, this guy he's got it lined up here. Go man! Thank you. Thank you very much. We appreciate that and appreciate the endorsement and I'm not kidding aside were thrilled with out with with partner with you got your great american company and I'm through on an individual basis that you, Gaza, but women and take this new step in your. At marriage here and you don't have a whole different level of peace and unity there. That's very cool we're proud for you. Thank you excellent, and we make one shout out to your grandkids they're. The best in the world sorry they rank in our grand kids charlotte and that's just

you know we would have been much nicer to their parents to borrow your line. You know, but if I'd have known how great grandkids are going to be, I'd have been nicer to their parents, so yeah we're getting ready to keep a keep. The show washed one over the weekend show em we're bracing ourselves and so, as he presses for your prayers, applauded the prayer will battle. The I will win so I waited gum gary teresa new whole gang excellent, excellent job. Thirty eight thousand dollars paid out in twenty eight, launch. It was a review. It was a real process too, restart and turn to reinvigorate some things in their lives were to go gas counted down. Let's hear our debt very scream, three, two one, Where were played well played well played a smart now

team is beaming with pride because they get to see the impact they they're, making every day when they get to meet these people actually awesome- and you know you hold- got like forty thousand, while team members, it's a hubert's, my brain cocheco had all of their team go through as well, so we ve got a lot of big companies like those national middle american brands that everyone knows and then with a lot of companies. You never heard of that are small when, on pop business hundred team members or fifty team members or three hundred team members earth I wasn members are not all forty thousand in up, and so that's it. It's We don't get to talk about here on the air a lot, so I'm glad we're bragging on him. Today, oh yeah and a nag, your hr team and tell him hey, I want smart dollar make it happen. You can go check them out of ramsey solutions, dot, com, slash, smart dollar or bypass the hr people and just go to the leaders eu that's a move right, their power, Dave said, I could harm the ramsey show

let's cut to the chase, it's easy to get discouraged about crazy house prices in interest rates. But when you have the right real estate agent to help you buy and sell the right way, you'll have confidence to make smart decisions. Ramsay trusted agents aren't just experts who, god you through buying or selling their someone. You can trust to have your back from the first call to closing day find a ramsay trusted agent near you at ramsay solutions, dot, com, slice, agent, ramsay solutions, not gone slash agent, george campbell ranch personality is my go home today. Lisa isn, fredericksburg, verge, and your highly. So how are you days as a positive speak with you, you too, how can we help on some other pretty complex? I'm question- and I have heard here last I'm setting

it previously about shacking up and sharing finances, and things like that in our marriage. So please don't chew me out as a disclaimer. I'm I co signed arm for my boyfriend, for a car he owed about thirty, two thousand, or I should say we all about thirty, two thousand and he's been behind on the seabed. I've been denied to personalize arm for the deployment of the vehicle, I'm new to me debt to income ratio, I'm really trying to figure out how to get from under this car I'm completely, and is this your ex boyfriend? No current, oh okay! Well, it sounds like he can't afford the car It sounds like a good and afford it when you guys got the loan considering needed a coastline and they haven't paid the payments.

What's the car wash went? Why is she not showing the car he can't of and he's doing damage to his girlfriend two reasons to get rid of the car yet about the pilots out all they function? blue book was ninety thousand in trade and value is seventy thousand men with that we all thirty, two thousand, so that that balance that difference there don't have the money saved up for that difference, were not able to get up and allowed a even cover that I want you to credit you, my personal credit union and then the criterion that the cars is financed group at base at my death income ratio, which does the high in order to approve the credit union that your car is going through, a confused you and boyfriend need to go sit down with credit union and talk to the manager and here's how it sounds. Ok, Mr Mann injure you have,

a nineteen thousand dollar car alone in a thirteen thousand dollar personal alone, because you have a thirty two thousand dollar car loan that only as nineteen thousand hours were the collateral show your unsecured right now for thirteen thousand, if you have to take the car back and re poet, You're gonna be on for even more than that. This is u telling the manager this you following me and so Our asking you to allow us to sign a note for the difference they mounted the car won't bring, gets the strain off of your bad alone. Out of him, my boyfriend and

Oh you're doing is admitting that this loan is only partially collateralized. He already doesn't have a collateralized loan cause cars upside down. Thirteen k you follow me explanatory sometimes just say that out loud could sometimes a credit union manager hasn't thought this through and if I thought it through than they would go out. I have a much higher likelihood of getting my thirteen thousand dollar amount that were upside down. If I let this guy out of the nineteen by showing the car cause the thirteenth, not collateralized anyway then you will reduce your problem to a thirteen thousand, not a problem,

and then you and said boyfriend take six jobs and pay off the thirteen thousand before you pay off anything else and never shine alone again with someone you're not married to. See I didn't yelled at her that had good comedy or zama storytime, so relaxing yeah. Does that make sense to you later? Will you let me that's the only way I know to get you out other than you guys. Both go work sixty eighty hours a week and come up with thirteen k, yeah? Okay, how outshine that he can't keep the car and- and you guys, not had this discussion and he's being a little boy and has an admitted it yet he's doing harm to the person who claims to love you because he can't pay the bill.

We know that because he hasn't been paying the bill and it smashed up. Your credit am, am I missing something now now. What does he make a year and unique about fifty five hours or so, Our was a bad purchase anyway, my by a thirty two thousand, our car. When you make fifty five is out of line. Even if you pay cash for maoist did but anything down on this or is not note nothing down with a co. Her right negative equity familiar or into a dinner yeah. That's why you're Thirteen upside down already! That explains it. There's no way you be the foreign the whole. Otherwise, oh, unless it was the world's worst car. But what kind of car is it. it's our twenty twenty one. Honda is along for much longer, so worse has had on this lisa. What's your site, I'm thought. Will we actually been

it's been trying to get rid of it he's on board with getting rid of all gone, but he is not able to do much and he's relying on me because I have the better credit yeah you two before I came along! been it yet, but he's behind and I'm just afraid free that is gonna, start being reported, and then it's gonna take both of our credit worth its going to sure and the main time. What you ve got is a hard that income ratio which escape from getting the other loans right. Yeah. That's not the damage does not damage credit. You gotta the debt. So what do you make? I'm sick? Okay, she got one hundred and five thousand our income between the two of you. I think we need to cut down to beans and rice, rice and beans and take two more. For jobs and shall everything in sight and get the message cleaned up. If I were you you got shoes, that's what I would do, but this is just this horrible.

variance for you and for him, for that matter has been urals. Wake up call: we ve made a mistake and lisa if ie, if you were. The only person ever made a mistake about a car or co signing for a car in america. Georgian, I would never job. Thank you for jobs. it's like the largest mistake people making over well, I hope listeners are going out. That's why I shouldn't co, sign his lot will think I'm doing them a favor. I love this person and then they get themselves in a pickle when it damages the relationship and their own financial world. You know the worst. One is something it's in this case: leashes boyfriend is being fairly mature and has already signed a yet we gotta, I'm gonna, help we gotta get ready, How do we do this? He's depend on her get the money, but but he was four, but at least he's not say now I don't to sell my car. Thank god I was afraid It can be that guy wine a toddler ear, but the are the worst one was like the grandpa cushions for that twenty one year old grandsons pick up crawl gosh, and now they can

find junior, he just took off, disappeared and pay the bill and grandpas now on the hook, for that but because it can even find the correct repo it and grandpa throwing broke to begin with and broken hearted cause it's his grandson. You know this is the stuff we deal with every day around here and the holiday get real awkward, yeah we're in an awkward for him cause the kid's gone. We can't find him, but you know it's just that you know the promise you'll never come back to his grandpa because of shame, even if the grim, one forgives him. It doesn't matter at that. He is a prodigal. It's a you know he has to wake up in the pigsty to come home now, but the shame to come back. It's so he's lost his relationship with his grandfather. That said, as protests, that's what happens! What these things and so proverb, seventeen eighteen, says one lacking incense signs alone for another. The new com

berry english version says it is stupid to co sign. I, like that version, pretty plying I've co signed before by the way LISA has co signed before I got to pay it one guy coastline. For me, when I went into bankruptcy, he got to pay it, and I d go pay him back later, but his wife still pissed. The assumption is that, while I'll never pay they'll be good they'll be able to make the payments, I will help them get alone, but if we're such wrong, or they wouldn't have required a co signer. You know they require kosher because we couldn't pay and the lender says you're going to take the risk. Not us exactly that's it. I was not credit worthy at the time, the guy coastline. For me and guess what? If we proved it you know me I'm just awful a horrible thing, but it's it's one Codependent things. We feel awkward, something nice than you do A nice thing in a wrong way. That becomes hurtful rather than a blessing puts us. Our the rams show in the books.

the headquarters of ramsey solutions- is the ramsey show where we help people build while do work that they love and create actual amazing relationships. Thanks for joining us america, george campbell ramsey personality, co host of the smart money happy hour, podcast with rachel cruze and hosted the george camel youtube channel, is my co host today and today we are announcing the pre of his first book breaking free from broke the book Will come out in january and january sixteenth to be precise and pre order starch. Today you get a hundred dollars and free bonus items includes the audio book. The on the e book that you'll get at time, but guess what? If you order now you also we'll get, and today a copy of instant access to his newest talk. Show me the money and exclusive access to an online private event was george talking,

about the money issues an acute, and I would georgia as well- and we haven't announced the date on the online man private event, yet right, no specific date yet or working on that, but it's gonna be big. They had to He ordered being signed up for that and as part of the pact over a hundred dollars worth now. Whenever you by the book inside the book or from cure codes that allow you to get three months of every dollar, Conversion with all the sweet features bank connectivity, paycheck planning- you name it. So we wanted that because it takes ninety days for people to get a budget and its key to breaking free from broke with less give it to him so George, when I read the book going over the manuscript to approve the thing is: is the ceo of the company which I do obviously read our books before we put them out from all of you guys all your empty personalities, they think came back to you with was. That is extremely. researched, it's fun. It's funny it's really snark, which I totally loved.

kind of made me feel like it was like ya, wrote, finance or peace in nineteen? Ninety two: while and you know it done some revised versions of it, after that we published it with a publisher after coming out, shall published world those days in nineteen. Ninety six, it was a best seller. Ah so for years later, adding trappers to it and polishing it up and getting a professional water, her to help me do it in those days. I didn't know what the flip I was doing, but you know shut, show But a lot of the information in your book is things that didn't exist. In nineteen. Ninety two, like you address crypto, but something's that did exist. Then there were still strongly with credit card that car dead. the toxic things there lies that people believe in the culture, but you in such a way that I really think there's gonna, be a whole lot of people between twenty two and fifty two they're gonna love this.

Fuck, I think some older ones like it too yeah, but especially if you're like me and you like snark you'll, love it, but I but it you know, it's a lie: it's like financial peace for this generation. I appreciate that it's very kind- and I did Try the first two thirds of the book. I'm really unpacking this broken financial system in all the line that we were sold and how we got there and you're right. The problems are different today they go Dave and they go or dave dozen understand because when he grew up houses where thirty thousand dollars now, therefore- and I tried just be the middle man between you, two between the audience and dave gone. I get it. I understand here's what we can do about it, because the times have changed it, Feels harder than ever to get ahead financially, but I'm too you, this the principle still work to this day. The baby steps still if you don't screw it up, and I show you how to break free from that system that we ve been chain to with our marriage. consumerism and I hope it's a plan that helps millions of people about steadily gets going to breaking free from broke?

the ultimate god to more money and less stress on sale starting today at ramsay solutions, not calm, jump in the store get all of the goodies that will support george support the marketing efforts for the book. Thank you very, very much maria. is where those in atlanta high marisa, welcome to the ramsay show. Hi. How are you great? What's up My question is out there: loan repayment, starting? Parents- and I like many others- are well overwhelmed trying to. Figure out our approach. When we took out loans for my school, my parents and have great credit and I didn't have a line of credit though they took out a plus loan and I'm the third here that went to school and our families, so they have plucked loans were all three of us and then I have my separate. That's right. And sat down under my name. My question is

I have the parent plus loans transferred to my name and refinance it to take the burden off of my parents, I'm because we're just trying to figure out the best way to approaches and right now it's just way too much for them to handle. If you can the payment just pray, the payment myself or my parents will you shut your parents, can handle it and you were gonna, move it to your name, which remain you're, paying the payment right yeah I mean I know I graduated, Years ago, with a health science, free and I don't make it ton of money. Right now are you I already so I just got a new job. I'm gonna make it when three dollars an hour, and then I also have workers I'd nanny engaged as his liquor transportation to school, but my original plan was I go to medical school. Do that whole thing and then what

rather waited. I was overwhelmed already with the amount of debt I have much. Do you want oh under my name. I have wanted seven thousand, but then my parents. I think, up to eighty thousand, It does no, it does not add any value to move to your name. You can't pay it. You don't make enough. Your struggling to pay your twenty seven This is something I do with my parents having three kids, all kind of thou on them and I think, without being those first generation college kids within it.

We know that much going into a. I don't think that we really did the best research when we were going into school to try to find our best option and now. There's I appreciate you owning it. It's obvious mistakes have been made. Yes, hundred seven thousand dollars and stern lonely you're, making two or three dollars an hour? Or so obviously mistakes have been made redundant but the. But that's your own water under the bridge at this, point, if you comment, we should make it a hundred thousand a year about tonight, just twenty seven out my heart beat an omelette this eighty over knock it off for mom and dad? I would tell you just to pay Well, it's a moment s name and take the the mathematical burden for them, but no reason to legally put it in your name. It on serving purpose. Gordon knock it off, but in occasionally You can little. You gonna have to work on your career side, your income side, to be able to address the twenty seven before we can even talk about open with the eighty

Unless I'm missing the math. Am I missing something definitely not and that's my struggle because, with my degree being so specifically help by my goal was to further education in go to call, and I work in medical office for about two: here and decided that I didn't want you they're, my career in it and after wrapped, in you don't have to work on the careers of your equation. I don't spending six figures on Pierre schools. The move right now. Are you clean up the mess for the answer to your question is: do you can't take your parents burden? You don't have strength to mathematically guys. I've got exciting news for you. The ramsay christmas cash give away is back You can win one of our five hundred dollar weekly prizes or the five thousand dollar grand prize enter daily

a ramsay solutions, dot com, slash gave way to increase your odds, there's no purchase necessary, but sorry, kids, you got the eighteen or older, to win so get mom and dad to help you out, and why are there check our twelve dollars sale to find the perfect christmas gift for everyone on your list. Had ramsay solutions, dot com, slash store to check that out george camel rooms personality is my co host today, Jeffson jackson, mississippi, I jeff welcome to the rams ratio yeah, sorry better than we deserve up on her. That me too. I just one the call and say I have some good move me and my wife are currently out of bed and we all my house it we're in, but some old family land has come available and want that back. It just so happens. there they, about nowhere else on so we're getting ready to back into

get a mortgage and also prepare, for you know, retirement, and that kind of thing. So I'm will want to get. The house would definitely want to get it back and I would advise own maxineff, We pay in on the principal of the loan to try to pay it off. You know and like the first ten years, vs It's not like born days in mutual funds. The best way to proceed uh, you your homey home one year, it's mom, it's an old family houses, member carol's were not planning on getting rid of venus. It's going to stay in the family, but estimation probably three hundred three hundred thousand for it and then it's on a big block of land too. So what do you make a will track of me and my wife together about one hundred and

he bowed and before tat, how many more pieces of family ground it can't be you can't do without or you're gonna run into You got it, you don't wanna get out, not gonna diction than family ground. Well, this is where I grew up in his one. In point five acres out of the original forwarded, amateur apparent, Bolton suddenly man and made it gets split up years, and you know they left it to two major, therefore care omar will only your plan you're, not gonna, move It is going to hang onto it by the new house. Get land back is right there close by, and that will be our power mary residents, and then we would keep the grandparents isles up and either My sister might move into it or mama

you know what her so she might be wounded at their keep it up and ass. We sell their house therein. A lot of variables here and a lot of might the answer to your technical question is wherever you fall, the baby step, so you're getting ready to go back from baby step seven and be back and baby suggs, four five and six limit retirement to fifteen percent of your income and any other money you can find in your budget you're gonna throw at the debt. On the four hundred thousand dollar property, no kind Do you get a guide overly that natural? That's the answer to your question and you pay. Wobbly can do that in ten or twelve years. Something like that. I tell you, there's a a narrative running through your stories. That's not healthy, The narrative is- and I've heard a lot in my life of doing what I do the narrative is.

doesn't matter what it cost or how stupid it is its family land, and we have to keep it that That's in your story, all the time and I'm not sure any of this completely goes over into the stupid zone, but your inability to nineteen. Seventy nine is not exactly legacy property. On an acre and a half, I mean that's not It's not like! Eighteen, seventy, nine, that's nineteen! Seventy nine! I understand, and it was it was sixty nine and it would come. Business is a forty eight walk regionally, there's just one I now, but I didn't. You only got and you don't even have the whole block. You ve only got it. year? A half? It's not like a big plot, a ground that was the families show I mean you're you're need to print. The families nostalgia, sing, no no bounds, and that scares me for you,

it's gonna lead you under some stupid, but decisions before this is over. You you're, not quite there. with the numbers on this. Don't scare me! It's the you know: it's done! policies. That scares me in that I'm colony out on it because I love you I want you to win, because I mean there. Going be another thing, come up and then there's gonna be the property of jason. They ain't gonna have become available, the old forty acre track and then what Gandhi and then there's gonna be another thing come up and then you're still living in it, but you own it and It has to stay in the family and to it functional level. It just real estate. It's not it's not your fault which do dna, it just real estate and I'm not algae in the older. I get the more nostalgic I get about certain present types of possessions and things that have been in the family over the years in that country want to hold onto them, but

the state is a very tough one to do that with. My grandmother inherited from her grandfather, a family farm during hurdle If time she and my grandpa sub divided the family farm sold. It offers subdivision lot. leaving only about a four acre track and in our old family farm are finally farmhouse that had been in the family through, generations. At that point, when she asked away my parents generation, her kids shoulder Because none of them were gonna live in it, not I'm lived in the same town they weren't holding. To it for posterity in so I am not. fashion at your draft under same it. The way you work in your way through this, it's you're setting yourself up for potential problems. Now

and what? If the sister doesn't want to live there and mom doesn't want to live there now you're up got this upkeep on this house. That vacant you don't want someone to rent it cause it's precious family property, know it just be careful man be careful you're there. Some Then I shall wear your skating, but then, where's, your give me aren't the aim of the world. I still think you could do this deal, pay it off in fifteen years or less. which is our guidelines, so you're not do anything. That's you know. If, if you tell me are these two and a half million and you're never going to pay it off, which you had to do it because of his family, then I would just say: no you don't I just I don't, but you I think you can afford to pull this off. I hate to see you go back into debt because you kept nineteen, seventy nine piece of property and eighteen seventy man maybe I get a little bit more emotional about that, but nineteen seventeen I mean mick jagger was already old in nineteen. Seventy nine enemy list

Let's not that long ago, J Jamie. Pittsburgh, guess yeah jamie's in pittsburgh, cod jamie. How are you. I'm doing well high dave and george, it's an honor to speak with you. I wanted Like you know, I'm enough p coordinator and I had a seventy seven year old recent widow and she need some help. Finding hope she no family, so I offered to help her through it. She was on social policy ready in a small anew at he and her credit card. Minimum payments are fifty percent of our income plus she ever She had a car salesman in the midst of her grief current getting a new car. Will you and it overwhelming- and I wondered if you might advise me on how to walk rebates with her. Oh what a sad situation dreamy yeah!

Well, there's gonna be a lot of pain because there's a lot of pain, there's nothing, we can do about it. Magic wand in this she's gonna be showing the car and she's, probably not gonna, build pay the credit cards right. I mean that's how I was thinking. I I heard one of your first collars just an you, advise them to stop making. Payment, cheap and making the minimum payment guile. How. by putting the other for sugar, but you gotta house primary you money. Does she have a house payment? No she's ranting yeah? How much is around seven hundred and twenty a month. your credit card, your way more than a rent. Yes, by the time she pays cards and pays a rent shouldn't be removed for food yeah.

And so she can pay the credit arch some light. Piano or something to make money by food that Belgrade, except one, Do this the other way round? The first thing we buy food. The second thing we buy shelter the third day we buys lights in water, then we pay what we can pay and you shall the car immediately. The cars gotta go or repo it mother to evolve, but you don't pay more car payment. She can't afford this car. They deserve what they get for selling this lady. There are what a mess, I'm so sorry dreaming, I face some facts here: the holidays or right around the corner and with the holidays comes more spending, listen, if you don't go into their season with a budget you're going to end up swiping your way into a huge mess by the time January roles around. Don't make that mistake, our budgeting tool, every dollar whelp you make a plan for your spending. Now don't way, create your free,

count at every dollar, dot, com or download the app from the app store today. george Campbell ramsay personality is my co host today, open phones, a triple eight, eight to five five, two to five: one of the things we do it. Ramses is product called smart dollar. We invented the space called finance wellness, financial wellness, dot com, my own as an example show decide. yeah that corporate amerika goes and teaches their team members how a handle money properly so that they become better team members because their better dead. and better mommy's, because they have stress and their winning is something the conakry. The amount of ramsay and on our processes- smart dollar, major companies- all over america. Do this as a benefit for their team members and minor companies do this for their team members. People with a hundred. We members a thousand members and into

This case, forty thousand team member, with a great american company called you all. That's pretty amazing Have you always really these national trucks, forty thousand people working there. There's a lot of tracks, man through regrettable, but it's a great companies like its iconic, so is apple I? U know shove rely you hall yet mean it's almost like kleenex. No, it's like. If you're gonna move, you say you all right. and so it is better that it's been a part of our vernacular for a billion decades shall were real threat that you haulage had their entire team go through smart dollar offered it to smart dollar I have smaller dollar to them and we're doing debt free screams with some of their team. Today, Eric and elda are up next to do a? U haul debt free scream. Where do you guys live a phoenix arizona which would be the home office? Yes, sir, from what do you do it? You home, I'm a project manager,

an elder. What are you too? I worked for arizona state university in the region, tourist office, ah very cool, as you as you, that is very cool. Phoenix is a great town. It sounds like you guys got a great life there. Congratulations welcome to nashville how much debt did you pay, often smart dollar, sir. We did about one hundred thousand dollars and thirty six, What's good, for you know our well, since our lot easier, you, u friends or listening and watching and hanging around we're, not going to ask you income goes they'll, go! That's what Eric may have. or who know that! Beware! So we're gonna let off the income side of things, but a hundred thousand bucks. In three years she averaging thirty three thousand a year about twenty eight hundred bucks. On my It's going towards this that substantial, yes, it! What kind of debt was that all you name it? We are normal yeah credit card student loans, symmetrical

Carlos hormones, car furniture. We bought furniture, you know so you but the sand about three years ago, the first right, yes, sir, I may still there's no new team where's came there is I haven't done it yet can still do smart dollar, but you jumped in three years ago on earth did it rightly did ok and and so elder? He comes home, working goes, hey works, doing This I can hear it right the real awkward right? It was very awkward and I'm like and what are we doing? I wonder: what's going on, another hr benefit yeah I roll yeah. Only this one actually is a benefit or is that he do a good job selling it to you. Or did you have to take some time to come around to the idea? Oh no, he did an amazing job selling it to me.

On board, pretty much right away. You felt the money stress and he was I hate. This is going to help us get rid of this money. Stress, get rid of a debt, have a better life. Exactly we're not getting any younger her. So you know- and we do have an eight year old while we have an eleven year old daughter, but she was at the time, and so not only we did a forest helps, but within it for her ass. Well, man, that's a good! Why, right there look up and you go. Hey. We've been living this hundred thousand like having a backache a kangaroo rid of ireland I was crazy day. There is times are twenty one year, marriage, we had twelve sense, tour whilst sets out like you know what normal sent workin for us, we have to figure out something different exactly What was it you guys learners, smart dollar, they cause your bill about four hundred dollars and at once the key discipline. Oh, that sounds dirty

it's crazy! Well, he's a marine corps vet! So ou are no stranger to this and as crazy, one of the things in here don't spend as much money as you have like. Oh wait, a minute you're, making x y z. Alright, don't go ten thousand five thousand dollars over exactly burn up those credit cards. We actually burn those credit cards up. We actually keeper burnt the credit he burned them. We burnt them physically dealt with. It was like burning debt, cutting them up, we're like alright everyone, the backyard. Let's go ahead, le going to the fire pit in middle phoenix too, so it was July in phoenix or our burning stuff in the pit. Woe it was the neighbours are going hey, look out there, they love to divert money lost. Aber looks over ok

yeah from Eric Eric's burning stuff in summer in phoenix yeah love. It way to get involved for you guys it was a big deal. Yeah cause that changes the world. When you say I'm done, I'm done living some will do a new thing, the old thing, a worker attract changes the world, but our world. Yes, Typically, that's what I mean our world and you suddenly don't care what the neighbor thinks looking over the doubt, just like a kimono or I'll tell you about it, benito yeah, especially for our eleven year old daughter area. So you know we, our parents struggled and we didn't want that for ourselves or far daughter. So though, it's good generosity, generational think changing the family tree yeah phasing out that's a big motivator and really really cool. You're in the home office. Show a lot of ocean in the home office certainly have done the smart. Not our problem is not at all of the nation but

insane changes with your other team members. I have a brings, brings clarity so before one half the stat, I would see those big cloud over and it would honestly what is zap my focus in it's zap. The focus and discipline coming into work now and it's crystal clear which sharp edge I'm going in and you see it and for anyone who hasn't tried it. What one thinks about dawn it. What's the worst that can happen, you can get outta debt terrible worst team members out that they'll hate you for it or you buy a pro Get your team members out that they'll hate you for that? I promise you. That's so cool good for y'all very well done, your he rose! Congratulations and thanks to you all, prefer ensuring it to you and I were proud. Prob have that association, so very, very well done you got good good work. Our right we ve got. The

live and give box for you. That includes the baby steps millionaires book. The total money make overbooking financial peace, university membership for you to give away. You ve been through the stuff in smart. Now, shall you be able to keep some of that and enjoy some you'll pass along to others. Well done you guys were very, very proud of you. Congratulations and we want to send our love to erica too, who couldn't be with us today, she's with my sister, but we wanted to shout out to erica. That's why did the had four areas. Our reason good for your very well done our eye, Eric and elder phoenix arrows zone, a hundred thousand paid off and thirty six months. Can a download sarah debt. British grew three to life. where there are no downright love, it

well, if you're accompany out there are you work for company, which would be all of you. One of the two and you want to have smart dollar offered. All you gotta do is just check it out at ramsey solutions, dot, com, very easy to get in touch with our team and they'd love to help. You help your team. Ah, it's a it's. It's a wireless system. Costco has got all their employees going through it. I mean we've got large companies like those, but most of the companies are not huge like that. Most of them are regular sized companies and so on, but great those are two great companies we're proud to I have, and- and so, if you want to be involved in that, though, you know having your company go through, it is smart dollar. It meets all of the facts. or guidelines meets all their recycled guidelines, all the stuff you need to know in that our world were upon it and it's all doubt in so just check it out a ramsay solutions, dot, com and look up smart dollar. That's what you're looking for

slash, smart dollar or get you there either one. This is the rams ratio. Our scripture the day proverbs fifteen twenty two plans fail for lack of council, but with me advisers, they succeed. Version says on the multitude of council. There is safety. I like that humans. Wilson says my success was attended, quite a few failures along the way, but I refuse to make the biggest mistake of all worrying about making mistakes got like that. should that comes from neighbourly your hub for home services fall as a great time to have air of a neighbourly company. Cleaner air ducks and make sure your furnish is running properly before the weather it's cold of your nashville too late.

learn more about air serve at neighbourly dotcom, slash, ramsay. Today's question comes from charlie in georgia about it interviewing financial advisers, I'm trying to find some one that is not starting a career, but as my age or older, is it wrong? ask them their network, they mine is basically I dont want to broke person managing my money. That's interesting! now that I've heard that one before asking your essential adviser what, with their network, is and clearly Is an older individual winner. How old it's all relative, but he wants to work with someone who's calm in the same wife stage. I guesses as him yours is a young buck. He's just get started what I dont know what my

mt, MR president, worth if I've never asked and I've never been curious. To be honest, it's not it's not a bad question. It's a little awkward prodded think I guess it on core late, their knowledge base with their income, necessarily which in court so they're not work to a degree. It mean I used to work with someone who, at you know if they got ten million dollars. I want to know hey. What are you doing? You know there's a piece of that that attract yeah, but you know I I mean if there, if not if they ve been doing it twenty years and they don't have any wealth the no. I would think that would correlate that lack of results with their lot. I have knowledge, because that means they're, making money mistakes, they're staying in debt for a long period of time or not doing the stuff, we're talking or not invest mean because if you do stuff,

I have been for twenty years, you're going to have some net worth hello. You know, like probably million dollars or more and in most every case show. but also don't want him to be a player, I don't want to be a speculator re, high roller right and and The last thing that comes out of this charlie- you you made one mistaken this, I don't, broke person managing my money. They're not gonna, be managing your money. You are You're gonna be doing what you tell them to do so, your job, is to get someone with the heart of a teacher, Teach you what to do and you up move the moves. Show there not me doing anything without your input you're the one making the decisions that you should. Never let some one major money blindly and so the on whether don't do We think they're gonna be putting money into things, move approved of agreed to and

make moves without your approval period, don't ever being a situation, otherwise. So in that sense, but but I, if I change your last sentence to I dont want someone advising me on managing money well when they don't that's a fair statement, name our joke has always been. You know my father professor wanna, the taught me to borrow money and he was broke what's wrong with that? Is like a shop teacher with missing fingers, and so that's what charlie's point into here. I, like your question, jarley like that, the crux of it I want to ensure somehow that they were practicing, steady, prove time honoured investing principles in their own lives, I've just got the assurance. that mind guy is doing that without knowing his net worth. So I dont know how you would get that. Other than a net worth, maybe just a discussion to say. Ok, you know

concern that you're actually, personally living the stuff that you are talking about our aim. Tell me that you are tell me how I know that, and maybe they offer their network that that point, but I it feels arc and I will say, inappropriate: but from a manners standpoint, it feels inappropriate yeah, I'm not a wrong question, so I don't want to know what tell you I've never had this. I have never asked. I can tell you that, but I have. Assurance that are doing the things that they're telling me to do there, you I mean, if you are a financial coach decline, doesn't mean you know you. You asked a client hey. What's your income, but the climate I ask you all: what's your income, that's it situation, verses their money values that something that we can talk,

What are your values around debt? Are you debt free? You know versus specific numbers that may not be as relevant. I mean it's a little bit like your doctor, Brian four hundred pounds, one hundred per cent you know, things like issued against an issue up smoking it smoking. Four hundred So for about know. Alright! Is that sufferers it's fair thing, sir? dentists in logan utah, high stockton? How are you I'm doing great. They should it from my call jerking george. What's at all my father in law, he's very kind. Man has a heart, but is broke and unemployed, but he This will not stop buying us gifts. And we want now know. Should we approach him about. This should read talk to sit down with him, or should we just kind of deny his gift that he wants to give us we're not sure how to how to help them out of us? How long you been married then three three and a

how old are you? I am twenty seven, you shouldn't do anything your wife might chaired that yeah you're, just gonna, be the smarter like punkin married his daughter. That's all he's gonna see. I dont care that I don't think you are but but I'm telling you, I don't think he's gonna hear this from you, but if she sat down and said dad, listen we're trying to establish our household here and it makes us really uncomfortable when you do these guys we know you can afford them in its very kind. in your sweet man dad and thank you for that. But it would really. Bus out if you would limit that or stop doing it She says that he can hear that from his own kid. He won't hear it from you for it from me. You it's an embarrassment yeah, I agree. So how do we

there are good way to approach that without embarrassing him anything. He didn't he loved gift. Is his love language. He just what are your sin? Just let her sit down with environment with a cup of coffee and say and give giving. Is your love language, you're, sweet man and it's making us uncomfortable because we know you can't do it right now and we know your lover, she don't have to provide gifts to prove it. Please stop, please stop are severely limit your gifts, your presence and your heart is all we need in our lives. We don't need stuff from you pleased at stop it and if she says that in private by herself, with her bad gently and kindly great love than if not embarrassing, and I and she doesn't need to say we, you stay out of it. I'm telling you the closer you get to this. The less successful this conversation is going to be. Oh, I agree. Yeah

well she's, not calling internet, which tells me you care more about this than she does she does she have the same level of concern? She did she did nervous to talk to him about it and money, which is too hard. Conversation topic in their home, grown up until she's really offer to bring it up either don't bring it up and just forget it no more about it or she brings in private. That's your only chance of success. I mean, I think, You just added you added even more evidence that It's not going to go well if you bring it up because in the evidences of that money's, a sore subject to start with yeah and then Stockton, this young- that married. My daughter's come margin in here. Start telling me stuff must in law have been married, my daughter for ten years in twelve years- and I doubt they would problem coming to sit down with me without my daughter having done so first on somethin, they were disagreeing about, they might, and I wouldn't-

I wouldn't be mad at them mostly, and that is just an awkward converse. It's an awkward relational connection must daughters and mothers and law, sons and fathers in law. These are tough connections, and they can be done in an hello machines and all they love me. I think pretty sure that it, Will you give him one give back and that's the total money make over? Maybe that'll help him they adding insult to injury. It's do that. Give georgia's in january- go breaking free from broke that helps us out a little bit that puts us our the ramsey show in the books will be back with you before you know it in the meantime, remember, there's ultimately only one way to financial peace, and that is to walk daily with the prince of peace. Jesus

if you're a later your personal growth matters for your organization, because whatever you lead, can only grow as much as you do. I know from experience. I've been ceo of ramsay solutions for over thirty years, and now I'm sharing that leadership and business coaching experience with you on the contrary, leadership podcast, I'm taking your calls an open. You figure out how to overcome challenges within your organization. One episode could change your business check it out on apple spotify, youtube or on the ramsay network.