Dave Ramsey & George Kamel discuss:
- How to get a mortgage without a credit score,
- Finding a job that's closer to home,
- Investing in Roth vs. a 401(k),
- What to do with investment properties that aren't profitable,
- Picking up extra work to pay for college.
Support Our Sponsor:
- NetSuite: https://bit.ly/2WBLh5c
Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6
This is an unofficial transcript meant for reference. Accuracy is not guaranteed.
I
randy solutions. Ramsay were better dom staying in the pay of mortgage has taken the place of the Bmw status symbol of choice. They ran through your most like you for joining us. George Gammell ramsay personality host of the fine ran a remedy network production of caste. That is absolutely blowing. Now the water and popularity be sure you check it out these marco over today. Thank you for joint.
were so glad you're here
is a show about your relationships to show about building wealth. It's a show about getting work that you love.
making more money than you ever made in your life were glad you're. Here. Thank you for joining a strip alight eight to five
five two to five jason is witherspoon raleigh north carolina high jason welcomed the ramsay show. Thank you so
You take my holidays shermer. What's up
life are looking for some guidance for about twenty six years old. We been
for a year, rent in an apartment for years well are LISA
at the end of may, and the cost of living is gonna, make our rent go up by at least three hundred and fifty dollars a but since weird.
tell you that much for red. We looked into
chill mortgage to start. Looking for the process
buying a home with since we had.
We have never had a credit card, we have a zero with zero credit score, but we have no credit score at all. They settled
and make our weight go up quite a bit for a pre approval. It's can do that.
When a is what they gave us, which is seems pretty high even for the market right now, you gotta hold your bad information and I'm gonna have to get you off line and get you back with churchill, because
however, you got a hold of there's an idiot
george you you'd and pay a dime more you gotta know credit score. Mortgage from
your mortgage in the year charged a premium on the infrastructure we. Actually I asked about this on the fine print pod gas. We interviewed one of their special
this over to churchill, on the fine print podcast on credit scores, and he explained to me that they basically rate you at a good credit score
If you do manual underwriting and everything checks out the radio,
How does this compare to someone who has a credit score and they said we look at it. We say this is rated as good
It's not the highest court, a scorpion eight hundred, you might get certainly only eight percent now that nonsense market in this three percent.
Well, not even chromatic, over twenty nine on something else is wrong or you gotta hold a back up a bad rap one of the two. So have you got
You have no credit at all of any kind, no bad growth showing up
sir, not at all how long been on your job for years,
and how long you pay rent for just one year that, but none of that weren't warrants a six point: eight percent
wait. So yeah, that's tunnel. While we were at what is happening with and a little bit, apparently you got like a newbie or something that doesn't know what the flip they're doing, but I may just take the computer out a number of Kelly. Oh Kelly, I'll get you in
what the owners of georgia and we'll kitten
fixed for cause. It's just not right. I mean it's. Not it's! Not how it works manual underwriting is not a double interest rate. It should be a you know.
good, an interest rate is a person can get with a typical credit scores. What you were told and that's what you personally got yet. If you had an excellent credit score, you might get us.
Lower rate, like eight or quarter exactly born
How can a two percent? My rate was probably right there. If not, maybe a point one percent difference, then someone who had a great credit score so I'll exactly an I. You know-
the goal here. Is your pay it off as fast as possible? And if that is the point
under point. Two percent interest rate jump is going to make you not able to afford the house. You may just not be ready to buy house the opposition, but
these four point eight is not right. Now that you're wrong for you
on kelly will pick up and we'll get you in touch with our internal, jean Ramsay trusted and their walk you through.
Churchill, mortgage process and sharia.
from bad info there, but that's very fixable, very, very doable.
on is weathers. John is in Boston, hey John welcome. The rams show
hello, Dave
I am calling on you to write home about thirteen thousand eight hundred and forty two dollars worth of car
loans. I only have one car and
I drive about an hour and a half every day to work with the price of get there.
I'm a jeweler and there's no real job.
positions in my area. Move, though,
yeah I've. I've been thinking about either. I found you guys about a week and a half ago,
deciding whether I should find something new closer to home or selling.
A car and driving a bitter I'm just trying to get it by us on what to do
So what's the purpose of signing the car
I probably by something cheaper that I wouldn't have do you know.
Dead on
yeah, I like
our ambition or the connection between what are you getting a job and this car being sold?
right in major half a day.
Are you sure, more money and just more time? I guess I could
swimming about eight hundred a month on gas and the car payment. It like three hundred sets
Over a thousand just just to get to work as a basis,
we're not making much money right! Click show it
So, like you got three things you need to rethink. Where are you
of what you drive and what you do for a living
rethinking all very of those should completely change your whole life, yes,
now I get really the car payment or made thirteen thousand. I mean what are you making a year? What do you make a year?
it's about thirty, thirty, two grand old. Are you I'm twenty three,
And what are you gonna be doing when you're thirty, three? That makes a hundred thousand
honestly have no idea,
Imagine my re learning autobahn jamaican thirty two, because I've made thirty two but
going somewhere from their autonomy stay under yeah.
Let's have a game play on your career, sad, so
What I'll do I'll send you a copy, again coalmines book from paycheck to purpose, to start making your decisions on your career.
from a quality of life standpoint I get to decide
but I'm going to spend two things on that are very valuable to me. My time and my money and commute are destroyed.
of those? And so you really have that aside from a quote, we,
where do you want to end up forty years from today? A two hour commute
Gonna destroy your money and destroy your time. The four hours a day
and so on. These are two things are too valuable that you can get. You can get back the time you can get back the money, but on
you know I'm moving or I'm
jobs and I'm gonna get
you know continue to do something to change
jobs anyway, to move from thirty to one up and out of that yeah you're going to have to operate
life man, new car, new jobs, new life, knew everything, but man that commute.
It's wearing you out in wearing your car out. Both are not good. I dunno. What did you have to quit any of it today, but six months from now, I probably would have a new car, a new job and a new place to live, or at least two of the three that'd be a win at least two of those three to start to get my life back. Thank you. Man appreciate, you have analysts, and this is the rams and the over twenty. Eight thousand companies use net suite by oracle, including ramsey solutions, because net suite gives us a single view of everything we need to make daily decisions. Like your financials inventory, hr planning budgeting,
and more all in one dashboard, go to net sweet dotcom slice, ramsay right now to get their free white paper, the eighty twenty c f, o net sweet dot com
Flash ramsay file, george rachel crews and john bologna can com, and I are really excited
Ramsay solutions is hitting the road we're pump to take our building wealth live event. Entourage here look out loud.
Vegas. Orlando were coming to you in just a couple of weeks and then this fall sacramento Minneapolis so
tony, oh and another city yet to be announced. Las Vegas is made the fifth that's only a couple weeks away and you can still get tickets if you want them
almost sold out orlando, getting very close to being sold out may nineteenth, and we just put sacramento maniac
in San Antonio on sale and we've already sold over one thousand tickets to each one of those. Thank you. So much tickets are only twenty five dollars. One of the reasons are sound so fast and a four pack is sixty dollars, so bring a couple friends with you. It's only less than the cost of a pizza come on out
What has been an evening together will sign books. Answer questions were going to do an event about building wealth.
in vegas is made five orlando's may nineteen sacramento November one minneapolis november, ten
san Antonio november fifteen ramsay solutions, dot, com, slash
ants, George, I'm ready to be back on the road brow, and these are some great citys. I'm just thinking about the crowds we ve seen in these kinds of cities and that price point emits inflation. Proof is the only thing that has not suffered from inflation. Is
tickets to building wealth in a what of true, we didn't double underway now,
We should take a welcome tomorrow and we gotta play the gas bill forgone drive over there. That's true
So how are we gonna do that? If we don't get more money? I haven't thought about this. I thought you were the guy to figured all this out. Hmm well hundred,
what about raising prices? Just call generosity? Ok, you're, followed them. This part
Well, it's gonna be a great time. Our course
today is from blinds dot com. There were one hundred percent satisfaction guarantee means. You know if you miss measure, you pick the wrong color gonna
your blinds for free free samples, free shipping, new promos, all the time incredible company for winter,
coverings and blinds for your home blind stock.
Always use the promo code ramsay to get the best deal today.
Question comes from Kevin in utah,
I start a new job next week and instead of a four or one came match, they contribute twelve to fifteen percent of my base salary each year. Should I still put fifteen?
and in the company's roth fora. One K, ores
I just put the fifteen percent in my roth IRA. They contribute regard
of whether I used for one k or not interesting?
What are they contributing to contribute?
my base salary each year because I'm guessing he means to the foreign one whether he put money in the four one k
are putting it in the form of one K regard
whether he puts it in its coming out of his paycheck sounds like now
only in very they are contributing, but I'm just saying they can.
be regardless of whether I use the fora one guy or not. I assume we may have to be in the four o. One K now show intra yeah.
You need to put fifteen percent of your money. You put fifteen percent of your money and regard for what
does, although this is an absolute fabulous benefit? I now I'm shocked at this they're, just given him and fifteen percent for nothing there. Well,
as far as your options go. He said she I put in the forum on care or the ira you're talking about roth in either case and so
like the four one k option is simple: your monies are to go in there
if you want to do the roth irae. There are some different benefits to that. You may have more investment options,
good place to do it. Now, the roth ray you gonna max out pretty quickly there, so you're, probably
Go back to the raw for one k, anyways. Should I still put fifteen percent in the company's roth for a one guy or shut up.
The fifteen percent more in my roth IRA, doesn't matter which one
because neither one have a match you're getting them. You get the money. The contribution
our list of the match? I
go where you think you ve got the best options. If your forum, one k, has good solid
Options across the four types of mutual funds were talking about. I would just do you for a one cave or convenience, but if you put fifteen
None of your income in two hours,
I have ira and that is not maxed out cause you're in. If you have a higher income, it would max out and again
picked out four types of mutual funds: growth, growth in income, aggressive growth and international good cause
Sarah is whether, in los angeles, high Sarah welcomed the ramsay show
so much tat. We love you and your king. So thank you for all the right you're giving me about that. Your inspiring
especially to let responsibly more. Thank you. How can we not right?
I have two questions. We have real estate investments that we ve had
time you have five hose in
and area arizona in florida we probably a total of one point.
you lie in combined
and we're getting about ten to fifteen thousand dollars a year. Freeing clear from that
so shows that a really great
investments from a cash flow standpoint
We have been looking into D s. T money should see what you thought of them.
None of the issue of a million dollars for the real state of creating ten thousand dollars worth of cash flow, yeah, you're mortgages. Now.
so that that's where what is wrong with the real estate, or are you
gotcha forest landlords on a planet there are, throughout our opinion,
are professionally managed, so they or not
you were seldom. Are you charge
three hundred dollars for rent. How is this possible
Well. Actually last year was more like twenty thousand, so it is getting better, but still
one thousand over five homes, beginning
for four was only young, yes.
What would happen is looking something where someone without we have like eight
repair is one of our major twelve thousand dollar. So suddenly, like that one
as for the year, but not all
five you're not at all five. You say
without noise, a piece for twelve nor toad loan, a million dollars or the real estate.
Both internal accommodate these properties
renting well.
I mean I I know I all along a real estate, okay and I'm making an eight
ten percent cash on cash, after repairs and after tenant turnover on,
central single families
the tragedies are residential, single family, ten percent of a million to be one hundred and twenty thousand a year. A percent will be one hundred thousand a year. So you know you're
way off here, something's wrong. Are these properties not design
or a bowler they bad? Why are they bat rental properties? Are they super expensive property or what's the or they cheaper women.
Well, the one area where there were three hundred ones border are worth monkey fifty each. So
What's wrong when you get out
Why each of us is that your memory,
Looking into the esteem because we thought maybe we could get better cash flow or you could do better.
Have you manage the real estate? Well or you had better cash flow than you ever get on an empty real estate. Will
perform mutual funds, any have teeth. It has
hassle factor if it
run where this real estate is not being run. Well, I think you ve got some probably mandrake milking you.
I'd? Pay attention to these numbers and really dig into this and figure out? Where all this I'm telling ya, I can I'll take a million dollars for the single families and put them up beside you and I'm making one hundred grand one hundred twenty grand on it. Cash flow cash on cash,
and that an urban and by wrench have gone up. Why can't I
Why were making more like the one in arizona? How are you
seventeen hundred a month but implored her. There
relatively low and the
I really high ensured?
his high to florida, shall we
launch of them for about a hundred thousand and studied appreciated the watchword.
Tunnel outlay, not alone?
it's not like. If I know it's not your outlay, but its return on value is what amounts to an
general rule of thumb, as you should see, a gross rant before expenses? Not net
but before expenses around one percent a month or three or does not. Our house ought be three three thousand bucks a month give or take. Ok,
that's gonna net. You that's a twelve percent grows.
and then that's gonna to net you ten to
To ten, depending on the level of repairs and so forth, and
I think you're not getting good value out of your property manager or these properties are very poorly located. If you want to sell them and get into an f t, you cannot, you can beat what you're doing with an e f t, but as a category single families manage well, will outperform any fd if they're done right- and these are not being done right, there's something wrong with his portfolio. Thanks for the call, the george campbell ramsey personality is my co host today in the lobby of ramsey solutions, debt free stage, Glenn and wendy are weathers. Hey guys. How are you doing great welcome? Where do you guys live? We live in morris alabama, which is near a little north of Birmingham, Birmingham cool how much data have you guys paid off? I paid off one hundred grand what how long did this? Take you twenty two months. Good for you,
and your range of income during the one, thirty two and thirty, eight one. Third,
one, thirty eight: what are you guys do for a living, I'm a wastewater treatment plant operator and am an occupational therapist for the local school system, excellent, very cool? What kind of debt was the one hundred thousand
Five hundred was a fallen Kalen that I'd taken out and in the rest of it, was the remainder of her mortgage repay. Yet
we're going to wear. Oh yeah, I love it. What's your house worth of vote, my wife is going to be so mad. If you didn't call us weird today, you're you are,
fifthly, weird don't be mad at once.
Worth
Zella person, three hundred local acts or good job. You guys good job, hello, yorba, married twenty
six years ago? How old are you I'm forty seven and I'm forty eight alright good and are paid for out? Yes, wow, that's a record,
writing. Man has a very, very cool exile, cool congratulations. So what put you on this journey twenty two months ago. Tell us about your story. I'd
I'll listen does not listen to you back in the nineties. I guess I've done about day, ramsay forever in love, the shown we
is our ally. I guess I'll marry life anyway.
Wait months ago. I change jobs and will do something about it.
Fallen kayla on that I'd, take it down and we knocked it out very quickly and we get the move. We will do this, so he could
just take them worried that very quickly ago, they did did at the time when they turned fifty. We were able to knock and no
Why winnie eighteen have to my co workers, jennifer naked ashley days, who irma debt freely?
leaders, we walk after school every wednesday, our walk in wednesdays, and one of the things we talk about as our financial goals are financial dream.
Aims, and so I am the first to the three to get to come. Do they were on their way.
I look forward all of em, I love and all dead free houses and everything excellent.
Guys very
We very well as on some. You get some people around you and you feel a little bit of that progress. You get a taste and you go okay. We paid off three less power. Ninety seven, let's go yeah
Scary, when you're, just looking at that number gone, how we gonna do this yes
it was from so we started our debt free Geraghty january of twenty twenty right before the pandemic kit.
January two may we were making some progress, but it wasn't until we started doing the every dollar budget that
really started to to see that
progress comes
fruition and at the end of every month, no matter how many dollars or since were left at the end of each
category we at all that up and threw it at the morgue
We called it are fun math at the end of each month, a love it well
on guys great job
Three hundred dot thousand dollar paid for house,
How much do you guys have in your and investments in your retirement will overtake
hundred dollar canada
half a million his her net worth
excellent you're millionaires before you know airsoft for our good for good job. You guys very cool are so
ray dollars, part of the key. What are the keys to tell people what is to have in your house paid off this thinking,
that will be reduced on the same page. The whole time was was tremendous and get a doctor
we hardly ever. There was no arguing
is that we knew we need to do and we get the job done.
It provides at all or just with money, I'm just here
their word anna and that's one thing that I wanted to be sure and say as how god you none it s so completely during this journey last night we were talking about that very question, and neither one of us could think of a single time that out
it, do something that wasn't in the budget or he wanted to do something that wasn't in the budget and.
just feel, like god, honours financial responsibility, and he has been with us
allowing the whole journey. Twenty.
two months of focus and bomb your dog and you're, not even fifty years old, just like that, while so how's it feel to not have a payment in
if the war is won around hello, indeed, that this is the most carefree I've been since I was a kid it's it's amazing to this feeling you have just with the peace and the freedom of being.
for what was it was a momentous with the last payment how'd. You guys do it
so it was october, twenty, not this past october, and we went to a restaurant, Adam Bessemer, the rights that are as DR had our picture made in front of it and it just such as such
api day in the other thing dimension to our son is a car.
Which student at u a b, and we were
Flyweight has flown his colleges college. At the same time, wow we had some car repairs. We've got all old cars now. So that's our next thing is to yours. We will step into our real day of car next car yeah. I like it. I like it, that's fun.
Well, congratulations! You guys absolutely amazing, very, very
very well done. Ok,
doesn't sound like the shrill shoop or hard once the two of you decided you just one after it,
really wasn't in one of our biggest things that we should go with his eating out of that out aid, and so what we did and our budget is, we allowed ourselves, went out to eat away on grocery. Not it was usually fast. Food
What fills that violent, bought groceries. I get the grocery bill that they'll go when they're hungry, exactly
well you're in baby steps. Four five! Six at that point: that's perfectly allowed now, if you're in baby step to face at you for glad that you guys are
Working at bargain that baby step six get rid of that. Mortgaging you knocked out waited gao, thank very proud
You got your euros. Man you're, weird excellent job.
Glenn and windy. We gotta be a baby steps millionaires for your how ordinary people built extraordinary wealth, how you
into number one best seller and that's the next chapter in your story also a copy total money makeover you can give it away to somebody stirrup a ruckus.
Damn started on this. Tell him what you did not break in
but you did it
I am proud of you very, very well done ramsey's, proud of you geo through as you're. Well done, you guys glad and Wendy Birmingham alabama one hundred thousand paid off twenty two months, megan
Thirty to one thirty, eight house and every county zero dead breach, greame three,
two line where that phrase: the it's just a matter of intentionality once you decide
the intentional I'm gonna make every one of these dollars behave
going to live like this. I want to be free one
you decide than you'll start adjusting things in your life to get there, and you know what
there are big sacrifice their own
we out once a week
Oh
I don't know how their leisure lyra, how they're gonna get themselves it credible, but they did.
Let us walk. My point is, as they didn't have to really strain they had
intentional yeah. There
like some kind of hold your breath and be underwear
for two hours, rind- and you know there was anything like that. This was just I'm gonna. Do it on purpose in what you start doing it on purpose, the level of trade?
it is incredible and looking back twenty months is like a snap and you're done
looking forward to go and two years. I don't know if I can do it when you look
If you go man that was a blip in our life and now our free forever at today, from
said twenty four months ago we had this link I'll go of it
I mean it was everywhere. We all shut down twenty four months ago. Right now, the whole place
shut down, rivals like yesterday in a decade ago. At the same time a moment, the decade parchment I'm sticking with. Oh my gosh,
oh and but I mean you know it's how fast it goes yeah that feels like twenty seconds ago in a way right,
Ah, in another way, it feels like a decade ago, so you sacrifice for twenty two months. You won't have a mortgage payment for the next twenty two years old, amazing. How that works. Isn't that neat? If you will,
to do what it takes. If you live like no one else later, you get to live and give like no one else. No discipline seems pleasant at the time.
but it yields a harvest of righteousness. George Campbell ramsey personality is my co host and dave ramsey. Your host this is the ramsay show. The camel ramsey personality is Michael Roche. Today, open phones are aaa eight to five five to two five sophie.
Is an salt lake city, Utah high Sophia welcomed with ramsay show. Thank you. What's up my question for you
Today is my husband, and I are just about ready to complete baby step number. Two and we decide
to relocate once we complete babies that three michael
Jen today is: do we purchase a whole?
where we plan on relocating and keeping the home
are in, so we would have
mortgages and try to sell their son
or do we go and relocate and rent. While we saw this home or do we just father Tom,
then purchase another one were wanting
I am up twenty percent. Before we buy a new home for a down payment
good one, I'm like option three, where you just sell it and relocate what's up?
banned from doing that and just barely
We weren't quite sure we don't. We won't have the twenty percent
why didn't I mean of equity and colonel? We
you were or just kind of there's not a whole
of homes on the market. Where were relocating, though we figured that if we just rented that it would help, I stayed, but
percent per gown and then we could find the home
We really want
so seldom moment. The current home that you own does not have any equity. Oh it.
it has about a hundred and fifty thousand equity and how expensive a homeward
by when you relocate
right now the homes are going for about four hundred thousand over there. There will be twenty five percent, then, shall you be just fine.
For having put out when you are on the market and sell it and then go
for their only a house. Ok with that money
that's all. Is she right there's nothing wrong with renting at the new spot for awhile and fear now, with the way the land is and where you want to live, and all that stuff
What am I does and will get it get in touch with a ramp that ramsey solutions, dot com get in touch with a ramsey e lp get your house on the market, and
it is their job change. Everything involved yes, so
I can actually change by job right now. He would need to stay first six to eight months, I'm by he.
I guess we're just kind of waiting until we have baby step three would make us, though more secure us farm.
from where they hardly leaves. But I mean that, would you point in terms of the real estate transaction once you have the jobs lined up in the other logistics other than the real estate.
Are you ready to go I'll, get ready, shut, go.
However, that means to you
that house on the market. It will sell very quickly in his current environment agreed. You agree, then you just take
that contract in your hand, it's gonna closure. Thirty days, probably
You go to the other place and you start looking for houses, and you buy wander close around the.
in time that yours guy closure, if you can't find
one in the new place, because her
available. Are you can't find a decent d already thing like that? Well then, just rent, but that's your renting- is your worst case scenario, but so
the current property, and you know what
in the period of time that it set up to close by another one in close on it simultaneously or within days. You'd have to close on your first one you're, the one
showing first cause. You got the money, the buzz I dont want right.
and, if you close on a close on yours on a tuesday and the one you're buying on a wednesday,
and they are, you know, and you load up a truck and you had to beverly. Ok, don't you
bertha just that we move before baby step three as complete that libya, ok, not dream of the world
because you're going to have one hundred thousand dollars in your pocket correct when you move so you're not going to be broke and okay, you know so that it's ok,
if you don't have it completed or if he only had three months or something if it makes you feel better to have that. But my point is
If you cannot then set up a simultaneous transaction like I'm discussing, meaning you can't
something that you can close or move into or you you know you move into a rental.
For two months. While you get this all figured out
but you're not necessarily have to rent for two years and the new location, and if you just the trick, is just too
logistics, lined up of the two deals, and so you know that's what we're looking at
So I did a some thing this year, my last year, myself Sophia, we shoulder where this big o you travel.
On a hill that we love than we lived in for almost fifteen years, and while the market was hot
we decided we're getting out of that
and I so we bought a lot to build
on that will build on sunday, and I wish all that big house, and so we were homeless,
and ran out.
a house in the same neighborhood is the lot to camp.
For a while,
using the money from the sale of the first. I that's have called clamping davy I've seen you know it's not it's not! It's not camping its clamping. We arrive, arrogant, Aragon, pretty luxury accuracy, pretty luxurious, camping site, but yeah, but the
point being that that we just had to work out the logistics right, we had to figure out and
need to close on the new house that were glamping in until the first one closed, and so we had
the closing to be after that, I had the money to buy both, but I don't want the other one unless the big one shout clutched not just sold
the money in my hand, that's right and then we're gonna go
the other deal were and we
in the same week while and
and then made at the moves arranged the possession arranged round oriental.
at a time to make the move without fallen in on ourselves.
Matter negotiating in finding something where the logistics line up and work and then you're gonna be just fine. So good question
russia's weathers and bowling green kentucky, hey ross, what's up
are we only come,
I am trying to decide if I want to take up an extra job to help his college summer. Why not wool
I'm already working one job and plus I'll be doing a m. She course argument they give tee socking china start to fire fighting
we're still trying to get my probationary book signed off of that. So I just don't want to college and a m t yes Y, which one are you going to do.
I'm going to college first and I was really miss corny, my bachelors.
As you know, in law enforcement by my step that state your birth talk me out of that. So I looked.
Fire fighting. So why
still going to college
At this point, it's like, I feel like I'm halfway through and I feel it'd be a waste of money, so I wouldn't finish out and get something from it. Okay, so
you can't cash flow college. If you don't pick up this additional job, you're gonna have to go into debt. I I I don't know his its situations, where
twelve thousand in I'm not gonna, be living our camp anymore. I got half the two years that I have been on campus
to get money by just now
an apartment, and I just
im a little worried, because I know I'm not gonna be able to work as much during when I have classes, while
Right now is getting through your courses, gettin dreary, empty programme and doing it all debt free. So, whatever that
eggs, I'm doing it
priority number one, the empty school,
Remember to finish college, proud,
number three ways of flip down the list is an apartment.
are you in town with your parents are now? Ok, then get the cheapest freakin possible thing? You can not be working.
Apartment, be working together, the other two goals
may throw us
how much more expensive as the apartment and on campus
women less money than on campus living. Ok,
so you should be able to with your current expenses cover that right.
I should be able to asia. Well,
And out I'm workin here you're here
at twenty two. Twenty three years, all twenty four years old, you you're, not gonna, die from morgan, so when in doubt I'm a work more,
make some money, because a big old pal money solves a whole lot of god's problem drier in our employment, and you know,
not the edge and then go on man, I'm five hundred bucks off power
dollars off in your world are left off,
I pay five hundred dollars off. So I'm I'm going to have the extra money extra pile of money that big
parliament gives you peace that you get to hit all your goals, which is
the school and e m t 's go download every dollar get your every dollar budget, going to start doing some math and look at reality. Yeah. You need to map out what your expenses are going to be on the ham to school, on your tuition and on the apartment and go there's so much money on a plus something, and if that means you're working extra have at it brother know what most of us work for, and we were in school. None of us died from it. This is the ramsey show the do you love a good day brand want to see. The latest ramsey show videos going viral check out your favorite moments from the ramsay show on youtube, they'll watch and subscribe to the ramsey show channel and the. If you enjoy this podcast, you should check out other great podcasts from the ramsay network, like the ken coleman show. Are you doing what you were born to do? I'm ken coleman hosted the ken coleman show where I give you practical advice to help. You discover your purpose and then map out a plan to get you there from a
wanting to advertising from plumbing to production, you were created to fill a unique role in the world needs which you have to offer join me
the king coleman show where ever you list
Transcript generated on 2023-06-14.