I from other quarters of williams resolutions, broad girls, because from the barge moving in storage studios, regular ramsay show where we all people build world work, but they love and create actual real amazing relationships. The phone number here is aaa eight to five five to do five number one best selling author ramsay personality and host of the king common show is

go home today, which means we ve got the career expert jobs expert in the house will be talking about that and with you as we go through The show today for joining us again, triple eight eight to five. Five. Two to five tony starts us our end of troy, eight tony. What's up better than I deserve man? How can I help you? I have a question for you. We have a number rentals one of the rentals has a mortgage on it and me I can agree on, if we should keep at her side, I would like to sell it. She would like to keep it. Ok, the other, the other rentals don't have a mortgage correct. so this was the only that you have about your personal residence permits. I had a mortgage as well. You any other debt yeah, I guess I do have a truck alone

So what are you why you want to sell this property. My job- I just Don'T- want to focus on the ups and downs of rental. Do this on right now is an air bnb and, and I just I'm over there, we're thinking about it. So the hash correct and she doesn't want to sell it. Why should I want to sell because it it it does. It would make a decent amount of money if we could pay it off quickly it never. You know I bring it about turns out. You should continue to have free labour from you very true. If we have to hurry annually livelihood on our management firm to run this freak nightmare called in nairobi and be then suddenly or margins are gonna get a squad while the margin with the marginal still be about twenty thousand a year, we can rent it for about three thousand

and then less insurance and and taxes. you said you had to hire somebody else to manage it. Yeah. If you keep it, you have to do that. Cause you're done great. Yeah, how much do you make on it if you sell it we would make about. Well, We profit about a hundred I think that I think the core issue is that you guys are not on the same page, where you want to end up If you decide on where we want to end up. Where do we want to be in five years and do we'll be king and queen of the urban base, and are being dead on my truck and be in doubt on our house, and I'll be spending too much time a bunch of time on this, as is what we want our life to be five years from now, and it it is then we probably should keep it.

But if you have a different set of, if you agree on a different set of tar, it's that you're going after all, be dead free, my stupid truck paid off, modern pay off our house. And I'm gonna get out of there being a rehash of business and have a calm, peaceful life. Again, if that's your goal, Then obviously you shall it so you know if you workin ramsay plan, you'd, salad But you're not work in the plant. You're argue with your wife. About whether the randal you're just That's all it's going, aren't so there's no one ever flip you want do and y'all are arguing one thing so, but that the reason you're having this disagreement as you you're, not an agreement on your long term goals and when you get an agreement on your strategic, long term goals, then a tactical.

Miscellaneous steps to get? There will fall right in line and you'll be in agreement on those yeah, and I think you make a very good point about the long term goals. I'm not sure that they're both truly looking at long term, not they're. Looking at just this one thing, yeah she's like well, they have other rentals and they're. Not thinking about wealthy sell the house, we make one hundred, we pay off the truck. We've got these other Is it or cash following they gotta think twenty thirty years down the line. I think that's the great adviser giving their than wants, as we can get on the same page about our desire. future, then? It's a lot easier decision is nothing really to argue about. If We have a long term vision that we agree on exactly exactly. Ever knows where those in denver colorado high Heaven. How are you. good day? How are you doing better than deserve? How can we help you I see a lot of people are turning toward artificial intelligence and group of to get their financial eyes. I was gears What you thought about, that is a good thing or bad thing, Adele, from what I've played around with it

necessarily day europe it is bad and they don't. We disagree with the or agree with it. Particularly they say there is no such thing as good debt and that that's the way to get out of that agenda, avalanche. What made you ve got a shot, who you want to be advising you chat, bought or human eye I see a lot of financial bided putting into their practices are just wondering dangerous thing. Is that a good thing, the damage its boughs a high and robo investing, as is good. It's for there's nothing wrong with any of it. Especially where you're dealing with a very small account and you're just getting started, causes you at a low cost to get started as an investor, but about managing a million dollars on my little chap bought. Do that now? Don't think so? Really I mean I asked us very impressive women

I was looking at a meeting this morning, some of the stuff that we're going to be able to do with it. It's it's ridiculous yeah. How cool or some other stuff is, but with it the danger of no human oversight. And on that the only way you know if the advice, coming out of it as accurate as your measuring it against the humans value system. That's the point: Evan. I would tell you that artificial intelligence is about knowledge. What it lacks. His wisdom and that's what days talkative you're talking about a guide, a human being who understands principles through it, sperience in asia. Is nothing more than a world class aggregation tool if you wanna just break it down and knowledge, knowledge, knowledge but question lies in what you said artificial. Intelligence, it's not wisdom, knowledge. That is aggregated and you need. wisdom and it's never can replace the human touch. So here's the thing You are always in charge of your money.

Your financial adviser, whether a ai, whether its robo witherspoon, individual human, being you, after understand where the money is going, you in charge of it. It's your fault of its screws up, cause you let it happen, it you're money and show you know it. And show what that means is. If your financial adviser says oh there's, good debt, you need to go borrow on your house. She go ha on. New financial adviser, this one's an idiot o a you, you need to go, get a universal I've policy on natural adviser, this one's an area, and so you don't you you have to make those calls, because you ve already decided certain things you're going to do and not going to do, and regardless of who it is it's coming at you, whether its which cut it me. It's in very interest is almost an oxymoron to say. Artificial intelligence is like airlines service, you know what you think, I'm going to sanctions, but anyway, the butt but it is very impressive, the great aggregate show it's gonna, be

Kinda fun to see what kind of what we can do with it as a tool, but is it? Am I going to turn my life over to a single human, a robo advisor or an ai chat bot, not a chance, I'm in charge of my life, my job to manage it? I can listen to what they have to say this out of own a firearm or not. This is the ramsey chef. moving season is heating up. If you're changing homes, it can be exciting and maybe a little bit stressful. There are some things you can't control like interest rates, an inventory, but with the help of our studio, sponsor pods moving in storage, there's still a lot. You can control pauses the best way to get your stuff from point a to point b safely and on your schedule move dot org has recognised pods as the best container ized moving in storage company for the sick

straight year and there the only one that's Ramsay trusted make your move simple and stress free! You choose from multiple container sizes to fit your needs. Then pods delivers your container and you load When you want lay pig when you're done and bring it to your new place, plaza your plans. Change like in store your container for as long as you need. Gotta pods, calm slice ramsay to book your man today: that's pods dot com, slash Ramsay! thank you for joining us america. Under grandly, your house can call much ram she personality, noble and best selling author of the book pay. The purpose is my co today, now this is fine. We got big news, This is something we have never done in the history of ramsay in thirty years with the exception, when I used to teach financial peace university with no red projecting a bad suit, but ever since the clock

She has been global and is being taught in tens of thousands of locations at any given time all over america. We ve never done this for the this time ever a team of ramsay personalities. Are each going to lead a finance, show peace, university class online and the shrew can comment is gonna, be your coordinator, jade Warsaw is gonna, be your coordinator of your class and you're gonna be in discussions with them? You're gonna be held accountable by them in the group. If you get in the group. Now these groups are limited because the technology is limited on how many people we can put in their so Again, can common rachel crews? Can you imagine, being and doktor john d loans, financial patient first class? It would put your seatbelt on that. Was that you're on your behalf, george camel. Jade warsaw- these are great, only an eddie. A recall in our event host is gonna. He's gonna, he's gonna laid a class

Each of them are gonna, have their own class. That means you're gonna go through. If you quick enough to get in there class. It means I'll. Take financial pressure. Virtually you get up. Who you want to guide you through it? you gotta, go sign up starting right now, you're by yet in the class and pick which one of these guys you want to do. Deal? This is your chance to learn how to handle your money from an actual your personality, being your coordinator, not their gunnbiorn Therefore you during the zoom meetings you can talk to him face to face if the classes are starting very soon and they're going to fill up in about two seconds again, there's not a lot of spots, because we can only put so many people in a class with a zoom technology and all that stuff, so sign up right now. By going to for and your piece. Univer ramsay solutions are f p you dot com, you gotta, F, p, you not! Of course you can go to ramsey solutions and click on attributes, university and founded as well, but f p. U dot com you can pick out which of these

and how long has it been since you've led enough for you. It has been about thirteen years, wow stacy and I led three classes in atlanta in our time there and I a point out if you sign up for me class. I've got an evening slot, so you west, coasters of I'm gonna, be wearing in honor, of Dave ramsay my leader friend a mentor, I'm gonna be wearing a leisure suit. and also have an approach overhead projector. We won't use it, but I'll be there and I'm never wore a leisure. I know, but I'm gonna go a decade or so you have set a bad. It was ass, lose your final, but I wanna go was not john travel, it is if the polyester variety now it wasn't what it was just bad. It was just ban who, just by I've, always wanted to know what you mean by bad oceans just the way it looks sheep. There was but it was not polar after leisure should, but I'm gonna, where leadership just to make it fun so yeah, I'm not that

Your disenchant, I think I may hand off on a sign up your ob joking and have a look at. Can there will be no prob, leisure, no leisure, suit but it doesn't even glass it signed jade. Now, both you and even classes, because we know we get people all different times they, but here's what school go now and see where the personalities the time slot is because we're really making it available to everybody from every times a little bit just behind the stuff for you guys They are a wee bit competitive hour among themselves as to which one's going to have the most sign up the fast fastest. So if you want to pour your favorite ramsay personality and you want to go through other classes. You could jump in right now and give a lead So this is. This is going to be fun. I think eddie's going to win. He might, but I can't compete with george and rachel. I mean it aid, superstar financial, you come to my class. Could you going some common sense, encouragements gonna be fun. I've just promise you it's gotta, be fun

he's already say: I'm already long, our ready will say on work at it is its citizens pay? This competition is pitiful. It is accompanied. Oh, it is, I didn't know. Well, hey! I'm gonna get a physician retaining a trophy, a watch out back we're thing you did and with you people bridger is whether, since all like city, I bridger what's up. Hey data you doing better than I deserve. How can we help Oh, I m a senior that's cool, undressed about a graduate and uncertainty colleagues, you know where I live carmen by, but I'm thinking about going into aviation and I don't want to go in debt with flight school cause. It's super expensive. What is the best route? You think I can do with that. Join the air force. Through art, she on the economy, join the air force and become a pilot. I was thinking about that night

I'm kind of interested in, and you know if and team fighter pilot flower, those that let you commercial stuff later. I promise you then another like I'm fine, commercial, and make good money. You knew that company for about an hour and you have to pay for all those hours as a civilian. it's a very expensive to get into this world that you want to get enter, yo, yo, Right now, average cost about ninety six thousand, with previous experience. Seventy five thousand, when, starting with the certificate, and so I think days right, the easiest most cost effective way. If you ve got chops. You gotta figure out. If you got the chops I'd start talking to the air force. You know you can also be a navy pilot. The two options and don't let them suck you into doing something at the air force, that's not about being a pilot. As the reason you're going over. There is to be a pilot's row. If they're not gonna, do that then don't sign up with them. I'm not. I don't want one recruiter to get two sides

happy here and give you the o o, you know, and so I don't want to do that, but I do want you to go there and talk to him about what it's like to serve your country for four years and come out. The pilots with all the hours you need to go commercial I mean it's on. that will be awesome for you and me better than spending a hundred by a hundred thousand dollars and honestly the it's it's It is a very romantic field to look at from the outside looking in the us, and yet we were, with a lot of commercial pilots and pilots with private planes as well private jets and so forth, and it it You spend almost all your time, not flying it's true. I tell I are the best part is take off and landing so issues that I get to do you and in it it though it does,

it turns into you, know your bus driver s right, you drive and buses yet wings, and an example here for the young man is, is also look at things like helicopter, I let you know the coastguard shame deal, but then you move out what about you know of flying hill? doctors in medical emergencies. If your desire is to be in the air doing something that is active and exciting. Today's point you got look at all angles and in the advice again for the show, men and all young people thinking about something like this hang out with pilots, you know someone who knows a pilot to your point and have a conversation get an idea of what really involved now and I'm not talking about a pilot that runs a yet flights light flights going on it. We're talking. That's correct history like a sale. But on about pilot has done this for a long time which currently in the mess that is commercial airlines o my lord but a mess today's weather, so san antonio hi, steve, welcome to the ramsey show

hey how's it better than I deserve. How can I help you a little bit about me, I'm twenty three turning twenty four next month cowboy and also I'm one year put graduation. I have five K. A little less than two to carry a year and a half opportunity to buy a house retirement a cousin of moving out of the city, any approach, neither hey take it wanted five at the high and It would be around thirteen hundred dollars a month, so wondering if you did you tell me you didn't tell me: you are dead. I do We three came through the nose No, you don't need to buy a house. You're broke. Romeo broke people repulsion by houses. It's not gonna, be good for you, it's not about. real estate is not a blushing. It is not a good idea to by real estate when you're broke that's why they call em brokers. You broker

broker and broker. You can be broken now, yeah you're twenty three you make fifty thousand and eighty clean up your debt nationally to pile up some cash. You have! at most was gone and get on a tight budget pay cash for everything, and then about buying a home when you're five and you ve gotten, the mess cleaned up and you have a big old pile of cash? No, I wouldn't do that. I think it's a disaster looking for a place to happen. Ma'am, please, please stay! Please don't buy our showrunner steve. Please don't do no just cause your cousin. Has a house for sale, doesn't mean you buy a house. This is the ramsey show. What is Doktor John bologna here and we ve got to talk about sleep when life gets hectic. Its First thing we neglect, we say later to work. We binge watch more netflix. We think we, do it all in words, just sleep when we're dead, I've been guilty of

in that way, but you and me all of us. We need to change. We have to we need sleep. Sleep is at the core of every mental physical. In relation thing we do and I've learned. good night. Sleep starts with a great mattress that's why I love dream claude mattresses in right now Dream cloud is running their biggest offer ever forty percent off. mattresses plus an a no, fifty dollars and savings exclusively for my listeners. So it's time I am to prioritize getting the rest, your body and your mind need because your mental health matters all the time, go to dream. sleep dot, com and inter promo code, John bologna. Today that dream cloud sleep, dot, com with co, John baloney, Gentlemen: ramsay personality is mine.

co host today in the lobby of ramsey solutions on the debt free stage, randy and Jennifer- are where those hey guys are you high? You can either love the t shirt. I survived, Dave ramsey and it's not in the budget. These are great shirts. Very well done very well done. Where do you guys live Emma florida, and how much it of your paid off? I don't twenty two thousand dollars. How long did this take twenty six months, good for you wow and your range of income during that two years when we started one hundred and thirty thousand emi now about one hundred and sixty thousand good for you? What do you guys do for a living? I'm a nurse manager. I work in the same house, but a hospital distribution, tech, ah very cool. Alright, what kind of debt was the one hundred and twenty two thousand a little bit of everything we were normal? We had about sixty thousand was of student loans and parent loans,

in about ten thousand dollars was credit card and the rest was two vehicles: okay, yeah you're, normal know how long y'all been married, Fourteen years and you look up at the twelve year marker eleven, your mark and say this sucks YAP and how effective this ramsay thing- Well the pandemic started. We obviously have to continue working so is driving a work. There was nobody on the roads feeling, therefore our traffic, but it was kind of lonely and then november twenty twenty. I turned fifty so retirement was kind of really really close. Closer than I'd ever felt. The old five o a wake up. Call yes, and so I started kind of doing everything trying to save money and invest pay off debt felt

little bit scattered. So one day my son said mommy should listen to a pack has by Dave Ramsay, and I said what the I'm cast. And so he had to download the podcast app on my phone found your podcast ten nets. I was hooked. but an ironical e one. The first month of listening can and you have a show, and there was a veteran who called in and you had made the statement that if you put a dialogue and veteran on this they'll, just do it and I myself had a veteran and when I heard that I said game on and it kills- is pretty full circle. Now that I come here to do my Devereux scream in cannes here with you, no laws, wise randy, your wife is learning these new fangled things and the call hard cash and listening to a crazy man. Any she comes romans is work and read what you say

She told me about this, and I was like were first thing. My thought was Dave who hurry up but after she explained at and all details I was like. Well, I'm all invest, let's go for a while an area. It doesn't sound like such a struggle that you need a T. Shirt survived a ramsey yeah I gotta know more. Is that just a fun slogan, or was it really tough? It was really tough, I'm always so tough. Just that I mean In order to do this, but I have to have communication, I mean it's so easy it just to like. spend forget about it and spend and forget about it in Before you know it, you're you're need and you know what so now Well me, and you just been conner long and everything just gives gettin beggar. The debt does exist. I couldn't go away, you just to add to it a little bit every year and then you look up and go got one hundred and twenty two thousand the owners are not even counting the house now wow

intense. Wasn't I mean when you went all in? I am by the way, what tell us our audience what service, what branch of service he served in the air force air force? Thank you very much for that. what was so intense, I mean: what did you guys do right out of the gate, because this is a lot of debt in a little bit of time. We followed everything to the tea. I mean no either now or never, steps forward in a restaurant coffee shop. Nothing, we literally god went to work came home. That is it if everything was budgeted down to the dollar. We love your every dollar app and never use the budget in my entire life. That app is amazing. I actually have a panic attack now, if it gets too close, to the start of the next month. I don't have my budget made, love so yeah, so

lots of discipline and also lots of monthly budget meetings through that help dial that, and she really helped a lot with that, because this is how much we need this, how much we're we're so that helped tremendously So how much extra did you work Well, I'm salary, so I couldn't do a ton, but there was a period of time. I did do some door dashing so here's the fifty year old woman door dashing food to twenty year olds. now, listen to applaud, get wireless internet every now and then randy had a pretty labour intensive job for a period of time that really some income in so it was tough. He was on afternoons. I was on days while well good job, you guys, don't you have what you tell people the key now we're getting out of debt if This communication, like I said you have to be to you,

to be on the same page. You just can't have one person dragging the other person through this process. It's not going to work. You know so you guys really. I mean very unified one, precisely in this report, are yes it's very difficult to do. If you're, not especially the amount of money you paid off in this. Did you shall anything big, nothin big when it really have might also you just pay off the guardian couple pays. We still stayed in the principles that you recommend, so we figure we're just gonna pay, em off and now keep em there ever good, very good. Why how's. It feel to be free, gazing and we were very happy it's very humbling to come up here to kind of you're stupidity out here, but the debt freeze- Dreams definitely were motivator for us and cap us going especially in

mid way, and you see these mountains of dead and just here and other people stories really helped us like. Don't give up, don't quit motivation, so it's once or to the end I mean is so worth it, and now we just did a quick trip here to meet you in I come to ramsey solutions, and now we get to watch all of our money, pile up and the savings on a different emotion. That is very that you had when you turned fifty and started looking at the end of life. Now it's a whole different view. Yes yeah it is. It is very cool, very cool. Well, congratulations! We're very proud of you. Thank you very much extremely well done excellent, excellent story too, and and now you didn't do anything that you should be embarrassed about standing on the stage. Should you did a lot of things you should be brought about and show and most everybody in america has a budget stupid debt, and you guys decided duessa about it. Just pretty impressive, pretty impressive

we ve got the alive and give box for you. That includes baby steps. Millionaires book on latest number, one best, our own, how to be a millionaire and yet, where you're going next for sure total money make over book that ten million people now have used and you ve used the principle. from it for sure and financial peace university membership. All of that you gave the use it or give it away its other the live and give box. It's all for you guys, and we shall do Of course the bookstore as well. So thank you. Thank you so much for being up here and are you brought one of your children with you? Yes, my daughter madison's here with her boyfriend, eli aura, riga, a very good sign, anthony's at home at all sitting, somebody's gotta knew at anthony, alright good stuff. Alright randy randy jennifer tap florida, one hundred and twenty two thousand dollars paid off in twenty six months, megan Thirty, two one sixty counted, etc. That breach grew three.

Why that's all I've done it is interesting, how many times something happens in someone's life and it. They have a baby. They get married. They turn fifty lose a job? They get a new job, and that is that there's. This change, then, gives them the wake up, call and exactly right- and they decide, you know what lie where it is now, is not what we wanted to be working to. Finally take the steps to live there. If we want there's no regret with people it

pay off all their debt and live with true freedom. Financial peace have never had somebody do debt free screaming goes. You know, I'm so sad about it. I'm just sad that I did this or I'm going to go right back in debt and never hear that this is the ramsey show the. he could be a great driver, but if you never check under the hood, your car won't last very long. The same principle goes for your business net. Suite by oracle gives you the visibility under the hood in business. That means knowing your numbers net suite gives you access to the real time data you need to make smart decisions plan for the future and move fast set up a free product tour today, at net suite dot com, slash ramsey, that's net, suite dot com, slash ramsey,

I give adorning if america can common ramses personality its go vote today. Thank you for joining a shot is whether in orlando has shown. How are you we just fine thanks didn't for Michael sure. How can we know? Well, I want an iron bedstead, seven and we're doing a monthly dollar costs to average into an ex ante and ex our time frame. his five years. Question is, do we continue? The dollar costs average for five years all the way through or do we take her back into shaping at a certain point? Would you type or back into savings? Well, I guess- over thinking it, because I know that if the timeframe is shorter than five years, you to the night- oh I see I see so what are you buying with a little under five years? and a new home

greater home. That's one! Ok!. no if you started, if you start tapering back to savings, that would be your presupposing. Your drawn a time the market- and I wouldn't play it all the way through unless you see some kind of serious dark cloud on the horizon. That scares you than I would just move at all the cash at the end of the five year period. Ok, How much money you gonna have in there after five years. I have probably about one hundred one hundred and twenty five. Okay, then so, if it loses, ten percent is twelve thousand dollars. It does not keep you from doing the deal. Sure, okay,. that's the way. The most she would ever see here mean very very few times in history. Do you see on the market lose more than ten percent in a twelve month period. Atop very very few times and show that

that's an amount of money you can absorb and it doesn't keep you from doing the deal. So I'm gonna write it all away an and unless I see some big huge, not just news, not your stuff on the nose, but I'm just really really really Concerned about presidential administration, or something like that. That's gonna screw this thing. I'm gonna, I would just sit there until I buy and Take it out. There should be five hundred and by as a matter of fact, the truth is that's what I do I don't worry that much about dollar costa averaging, but I use nets and pay five hundred. I throw exe, stash cash in an s. Five hundred, in over and, above all, my other investing. Ok, this is just excess cash until it gets enough in there Bobby's real estate and what that's a year, two years, five years, seven years what I would, if I just keep doing it in there. and then one I'm ready, otters taken up our out of that pay and bother peace, a real state, then, in a sense, what you're doing- and I do that all the time for investment real estate and

right now. I've got a pretty good stash sitting in us pay and the markets down and sew up I'm gonna do really good when the market rebounds, so it's gonna, be an actual. and next you know next twelve months or so to pull that out and buy some real estate, except that the real estate would probably have gone up, but the panel, what I'm buying, but all that soap to say, yeah, I'm just gonna run straight through I'm, not gonna, try to back off, and you know, the game against the odds and being cash you'll lose more than you'll make ninety, at times out of a hundred screwing around. With that show good question, though, thanks for colonists open found a triple eight. Eight to five five two to five can common Ramsay personality is my cocoa today Ethan is an asheville north carolina high ethan. How are you, I'm doing good? How are you doing better than I deserve? How can I help you, sir? Well me and my wife for thinking about and sit on the debt consolidation bomb? We don't have any type of credit card. There

it's just something early on we decided we want you to enter but really all we have, I guess as far as debt or a couple vehicle launch, the other big part of debt- and we have is wonderful, yet got her house made under I urge you to pass on our whale into. We borrow about ten thousand dollars from a family. We have also purchased a storage building from that family members, while also an actual o them on a part time, far: bravery, so we're trying to figure out if it best to do. I do consolidation loan for all of the or, if it would be better just to make payments than I am is what can afford it. The only thing with family I've seen a lot of times or your family money and causes issues that you should have thought of it, for you, the barn from that's that's my biggest, Spain is just trying to

If we should do a debt consolidation that even a good idea doesn't know how long do it just puts it, one power. Instead of four piles, pretty much don't change anything. well, I know sometimes cause we had figured it up. It was gonna, save about or entered all of them. Knowledge not not you stay in debt longer now guide, might didn't change your interest rate by five thousand dollars a year. On the figures you gave me, you got the chain interest rates by ten percent, but connachar are you gonna nineteen percent, carla, for now. I've got a twelve per cent car loan and they were going to match that as a debt consolidation loan yeah, which means you got absolutely gained no ground, so four under dollar savings come from only one way mathematical, you could happen that extend the linked alone. Our guy, you It was, I believe, ye know why you want to be in debt longer. Well, just because it was going to

was a little bit of money. I know he didn't just save your money per month. It didn't save you money, you're, going to be in debt longer and it's going to Austria, more money, good european interest, longer now, maxine So what's your household income whale? self employed. My wife who stay home mother, you man you make it was profit- was seventy thousand lives you're. Ok, you got roll up your slaves, don't go to restaurants and don't go on vacation. You get this crap cleaned up what he only cars. Well, I've got I got a truck payment and it's sixteen tiles and got a honda crv. I'm a fifty five hundred is what we owe life done it then we got a personal to borrow for vehicle not one got vehicle returned mention one I'll show we had also bar for and the total that personal only sixty five hundred new draw off when I struck for this mess, so yeah you got. You got what forty five thousand dollars, including all the family, junk

and you make seventy and and such can take you two years. Living on beans and rise, rice and and you'll be done list his death, smallish, two largest pay minimum payments on everything, but the little one attack the little one like your freakin life depends on it. go, get your life back and quit borrowing money for stupid, stuff, you're, sorry did not bring you joy tom, you need a truck, don't buy one unless you have the money, be like your grandpa dont by less. You can afford it. yeah? You know I'd like to see them beyond you said I'd like seem jumpstart this, and if it's me, I'm I'm looking. If I've got some equity that truck I'm selling it I'm workin sure hours. We are, in the best part two economy is released jobs. We ve ever seen dave in the history of america If he can go make some money. I'd jump start this and you don't. Let me ask you: this: can cause you talk about the jobs part all the time and from the very first day we start teaching financial peace university. Thirty years ago, we've told people get an extra job as it used to

we Tom, deliver peach now revising be delivering food. Yeah ubereats right and I'm not against ubereats or door dashing or any of that. That's all fine! It's an easy thing to plug in and plug outright. You can log in log out just keep rock and you can manage your own hours. I'm I convinced it is the most profitable part time job. It's not in what are they yeah? So they are. You are looking for manual, labor positions and what I mean by manual labor. Does it mean shoveling or using hammer, but if they just now the body to stock shelves and warehousing manufacturing right now, is really really strong they're paying more than you can make doing? Obor, yes much more, because if you go work for walmart or a target or a big box store and your work, in off our so he's got a full time. Jobs runs on business. How can it be yup twenty hours a week. This is rollover they pay in atlases. Sixteen eighteen to twenty dollars an hour depending on where you are depending on where you are so you gotta look. The point is: don't just assume I'm going to go dryers. The thing I was talking to.

when we were in salt lake city. That day I was talking to a group and just standing around at one of our events, and one of them was telling me that stinking babysitter, yes, is getting thirty bucks an hour s. True. Let me tell you what you bundles of our bay dont walking is for. that malaria was on her yesterday into debt free scream. Yes, thirty minutes for thirty dollars. Yes, rich people, don't even walk their own doll, it's exactly right. What is this? That's right, I know

scared of leaves. That's right! That's how you get your leaf blower! You can make money because rich people are scared of leaves, but I didn't know they don't even walk their own daw, that's right, but just look in your local economy who's having a hard time hiring people see what their pain. This isn't about skill. This is about gazelle. It's so go fill a gap and make some really good money. And kick your money up drop your expenses down clean your mess up. You can't borrow your way out of debt. That's the moral of the story of this call. Det con solid ocean doesn't work because you fix the problem in your mirror. The hey! It's kin! If you love the show and want a deeper dive on your money journey, we have a weekly newsletter that gives you training and helpful articles and tips on following the Ramsay way. Go to ramsey solutions, dot com today to sign up for our newsletter again, that's ramsey solutions, dot com to sign up for our weekly newsletter, hey it's james producer of the ramsey show. This episode is over but check the

episode notes for links to products and services you heard about during this episode. Thanks for listening,