I round visually broadcasting from the barge moving you george, that's, the ramsay show that is non cash is getting paid all about mortgage taken the place of the Bmw as we help we build well, they work that they live in korea. Actual amazing relationships,

jade walsh, newly minted ramsay personality is Michael vote. Today, already vastly popular If you read stuff like on the internet and things so I will loves jade already. The phone number here will be talking to you married miss. America is aaa eight to five five two to five autumn is going to start off the shower Saint Louis Missouri high autumn. How are you hey, I'm good how you dave, hi jade, what's going on I am the combined to be in broken normal, and I had got all kinds of scenarios run into my head. I'm hoping you guys bring some clarity on. Let's do it, alright, so my husband and I started our debt we journey on november force. We are a hundred and fifty thousand dollars and that overall we have been Chicken not taken names, though about seventy one hundred dollars down is weak in one thousand dollar emergency fund and a fifteen hundred dollar cash flow christmas go about

but it leaves us with a hundred and forty four thousand and half of that commercial loan, that we took out for a honey barn I'm so here's the kicker, I'm I'm. I'm good, you know putting it in order during the debt snowball, but I'm I feel like I'm on a deadline. So we've got a commercial loan. That's going to balloon on us on june of twenty twenty four has been wants to move the suddenly two thousand dollars above the the other hundred and forty four include our mortgage, so he won't ok, but about how much is your mortgage by fifty one that's not in the equation that baby steps, six, ok, so got nine thousand medical and twelve thousand on its side by side which were used for the bitter roca, and what your household income about a hundred and ten. Fifteen on average You got ninety grand

and we need to do forty five thousand a year for two years. Right right, a neuron before the blown well here's the other case. This is the other scenario, and this is this is warm hoping for the clarity, so I have for my job. For about nineteen and a half years. This Juno make twenty and it's been wonderful. I will stick with it as long as I can, but you did too small business and an naked used dave cell. it is in danger and also home school. My daughter, so I work from home, so there's there's pics julie coming up a wall. In my in much is more than half of what I had said: surrender jill and all trades group. I made it

They are a bunch of commercial properties, though anything and everything that needs to be done, for marketing, to accounting, to everything. Well, I'm not going to make my decisions based on something that might happen. They ve been run in this business owner shoestring for years, their problem, continued ride on shoestring unless you know something from doing the books, search and sat there, that's that's right, lay more sick than other things which, in the past good changes. Anything because here's the thing, if you like a job you gotta go get another anyway, the right, if you know, if you feel like you're in securing that job. There is nothing that stops here, day from starting to look for something new, so I don't think you have to and for a low and income There is only going to be a low income. If you see something coming and you do nothing until it actually happens. I think right now, if you feel like in secure. You can start looking, but I'm I'm with Dave, I think, when it comes to this, that we need to work the debt

no ball as usual. Of course, the fifty one thousand, that's your mortgage. We can hold off on that side of it, but it sounds All of this debt is kind of its. Not it is itself. It's separated business and personal. It sounds like you're on the hook for all of it, yeah there's no such thing as a business loan in the setting right you personally for every bit of this debt. It's all personal debt, you just labeled it business because it had to do with a farm. Let's roll it into the russian without origin credit card that makes good paid off and you're gonna blow come and do in twenty four shall lay the whole thing out to be done by twenty four that not some you know was it of twenty four, just like your game plan out go. What are we it'll pay to be done? Aren't men let's go out and be done by march right, sherwood army? Don't wanna run right up on that balloon, but this is very doable very doable and on. The thing is the whole process of being this. In and knowing chance is brand new that's when you have the most tendency to trotter scheme

scam your way through rather work? Your way through it answer. Quit trying to figure this out. Just do it I mean, and do it gusto even more so then you ve done to this date, get after it and you can sell stuff in do all are things if you have to buy and you work out a different job. Another job at this one starts to look more and more and more weak, like jade said, go, go lounge or something, but let's, let's get this done. Emily's in santa Barbara hi, Emily welcome to the ramsey, show: hey, hey: what's up, I have a question about what I should do well me and my husband should do- is our year end bonus? I because we're you can't good exactly the baby steps, because we already on the home we bought it predates. But besides that we are deaf free, the bible, step down homes in the baby steps by built up six yeah man you're saying you bought a house before it was time to end the steps are it paid off.

No longer, then you have the regular baby steps. Where are you in the rubbish dumps? Are so debts paid off so uh? What's that thirty four kb five gate: the finnish armoured designed solely at twenty four, your dad. very, but the house- yes, ok, Any finish. Your emergency fund be set up through the one. You have something An emergency fund- and we want to put a max out both of our ross twenty twenty, so that'd be twelve and then we're going to put m two k for each of our kids by twenty nine to have to get good. and then we have fifteen website. That would be a thousand per kid and we have it shall we do have a truck that we want to get up and running. We wanted to see if that is ok older truck, it's just a hobby classic old car, or should we be throwing that up? not once you get passed by Bishop three, you leave intensity two intentional. Ok, and I ll show if this is intentional and

say: okay, we're going to we're going to work on the hobby truck a little bit our. We need to buy a couch or we're going to go on vacation or we need to buy a new car, because when we got the dumpy one we got up a little that's what this is where you would do all of that, knowing that every dollar you spend there's not going toward your mortgage is gonna be in dental a longer, but that Ok, because its intention all version, intensity? Ok, you don't do this with the mindset of all we're, never gonna get our mortgage paid off. now we're getting more expensive anyway. Ok yeah

it's really good. I think a lot of times when people start the baby steps they get so focused on the on being intense that when you get past that phase it's kind of hard to leave that mindset to the side and it's not to say that you get lackadaisical, but you were never intended to live. You know under the gun, for the entire I mean you're supposed to enjoy some of this money. So it's about being intentional about it. You have your husband have decided. This is what we're going to do. This is worth the opportunity, cost and you've made that decision together, so you're doing just right or you're. Looking at all, I'd rather pay off my mortgage than the structural members probably get rid of the ones. Ok, but managed to be intentional, not just insurance. So very good question: merry christmas to you Emily this is the ramsey show the look, I've been church, has one job too

place your income for your dependence. If you die, that's it So if someone tries to sell you high cost life insurance that doubles as savings or an investment strategy scams whole life, value variable life than run terms? from Zander insurance is a much smarter way to protect your family future zander shops, all the top companies to find you're the most affordable term life rates. Then you can go build wealth with what you save not by falling for those crap Paul please go zander dot com to learn more, that's zander dot com, or hundred three five. Six. Forty to eighty two

merry christmas america, jade warshaw, ramsay personality- is my co host today, open phones triple eight eight to five five, two to five got deals out there right now, jade in the store, serious stuff go unopened, attribution averse to give voucher as lois sixty nine. Ninety nine doktor johnson, his best selling book on your path, change your future, deeply discounted at twelve, ninety, nine, the new ramsey, sweat, shirts and hoodies, and that's kind of scary audio books for five dollars. You get those up until the last second goes well downloadable and then, the total money make over audio book off five bucks, equally of your great their amazing don't take advantage of this. You got your Now, that's all I'm saying customs question about your christmas spirit. I mean everybody around me. This is what their guinea they already know. Jesus

if brand new products and lots of things happening for our year end sail a lot of these. A question for humans cards still shall for ten bucks, a lot of books I offer only ten bucks, be sure and check it all out of the refugees. Oh planner for twenty twenty four is only thirty five. Ninety nine, that's the lowest prices, ever been, and it is a fabulous use for your goals next year, the year and sale ends at eleven. Fifty nine today. Don't be dragging around here are these great deals right now: ram z, solutions, thy counsel, I store scots scottish in phoenix I've got welcomes the ramses show Britain that everyone marries much are going out the show? I don't do the baby steps have just been listening to you and I'm dead worry I did

a mortgage em. My questionnaires- and I just came in to some money which should about thirty thousand dollars, and I want to invest. And retirement, because armageddon, fifty three and I well don't have any requirement. I have been paying to my four one k. Every time I get away that work. I've been up my poor one though for four years those are my right now or under dollars a month, goin them of moral want. But I'd like to take that thirty thousand imported into from me, would grow quickly. Air neil there I would feel confident about. I don't want it. and I don't wanna. You know just go up boy. I'm really start now. You know get that age. I'm like. I really do need to think about retired. You married.

Yes, I am married. My wife had her retirement through work, so she's been workin on math better. If you know she's been at the job for about fifteen years, Well, she's got a retirement established and jump on line at ramsay solutions, not com and find a smart vester pro in your area, open a roth for this year and roth for next year and do for your wife as well, so that fourteen that's twenty eight thousand bucks bulgaria but it all in good girl, stock, mutual funds across four types: growth, growth in income, aggressive growth, an intern national. Now Add to that you know. the following are the extra money following you have ever twenty four after twenty three you can in twenty four, because Twenty three and twenty four just then ok, I want to be able to become an extra money left over since on that.

there any I'd like it, I'm I you throw them towards your mortgage. Ok, Now I get fifteen percent of your household income going into retirement throat nothing else toward your mortgage, I'm assuming you have an emergency fund. Anybody shut your dead free, but the mortgage right. Yes, I got, three thousand dollars and the emergency fought. We got. I thought the house- and I just purchased a new house about six months ago. we were able to sell my old out for a hundred and fifty thousand dollars. I put some: into the new house, and then I just paid all our debt off guard everything and now in the cellar, got forty thousand molest left and the emergency fund for anything good so that work and then, you know, and then I been doing a nine hundred, a month

on the new house now. Here's the thing is the baby steps tell us to put fifteen percent of your household income into retirement. We just load up a couple, a rots. You ve already got the four o one in your wash for a one going. So I'm going to guess and say you're, probably getting up to that fifteen percent or above or beyond. beyond that anything. I can find a mortgage owing to get this house paid off, because the key things that we find that cause people to be millionaires. It's not long from now, for you, you're gonna be they're. Pretty quick is. A loaded up retirement account or return Want a couch and paid for mortgage I want to make sure, though, that you don't spend all of that money. I mean I want to make sure that you keep some of it for three to six months of expenses. That's the one thing I don't want him. Do it sounded like once he paid off the debt. He had that that thirty or forty k left in that was kind of his nest eggs. I want to make sure that he keeps some of that for us three to six Secondly, and this is why you absolutely if I was confused, I thought you had forty ground, plus the thirty grand, if you dont than that

If thank you need an emergency fund of three to six months of expenses that baby step three for major companies fifteen percent of your come into retirement between roth irish, for a one kay you for allowing everyone at all up fifty point, one five times your annual income and you need be- there are no more everything else goes towards our mortgage, get that mortgage cleared because paid for house and a half million a million dollars in your mutual funds in your for a one gazing thy raises where you're going to. That's where you gonna recent million dollar net worth and beyond, of course, Jacob as elizabeth city new north carolina high Jacob welcome to the rams, show thanks I'm calling, because my wife and iron babies upstream, knowing Another caravan, neither new transmission ban, the cloth apparently terrain where we have currently unarmoured be gone by go out and do it better be monitored. One saw a lot of ethics and how I

How much is going on? In the midst of the Van. Gonna be forty five hundred dollars, including labour in that your whole three to six months of emergencies, fund no, no we're in baby step. Three. Okay, so we haven't completed it yet. Okay, I see your reaction. one thousand dollars so far, so it will be a three thousand dollar deposit and then figure out a five hundred dollars mean the other five hundred dollars to fix. What are you there's something? What's yours? on five. What's it worth. I am not sure I want to look because he hadn't been looking to sell or anything, but it's on the odyssey with only like one hundred without a mild on it. Firstly, I I'm always gonna do with transmissions and engines. Is Where is this? Is like the car has cancer? You dont go with nine. You get multiple, opinions, you need a second opinion and a third opinion,

not necessarily does the transmission need to be replaced, but is there a more economical way to get this transfer? your replaced, who gave you this bed the dealer at the local mckenna that girl you ve, been going to her a couple years ago. Currently trust them not to give a flat on that doesn't sound outlandish, but it is a big enough expansion when she gets from other opinions and I'm guessing you have two cars. Rightness is one of them here. We have that her van and in ireland? Ninety ninety eight on milk or the like two hundred and five thousand miles on what your household energy you again, may I make a base of sixteen bonus on top about a basis, Why it out and out of sixty, but you should sixteen. I did too. I feel better, already made him. Ok, so yeah, yeah, you fix around that's what emergency funds for

further here, but I am going to get a couple: a bitch, not just The one mechanic, though, not rushed it, mainly joy ride back to him in a kind of thing, it's going to an that's, ok, but you want you just wanna in them in the two of council. There are safety. The bible says where our options, lots of options. You will choose a better choice, then and you have only one option- or only two options sharma go talk to two or three other people figure is there an and more economical, reasonable way that is reliable to get this transmission replaced. I doubt it. I don't think that's a bad right off the top of my head, but I my find, might over thirty five hundred and be worth looking. I am also wondering what that Van was worth the odyssey there. Oh five bit privation almost one thousand miles from the look at

look out for sure is worth fixing. Probably them is probably as this is the ramsey show moving season is heating up. If your changing homes, it can be exciting and maybe but 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. Pods is 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 there pods delivers your container and you low when you want. They pick it up. 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. Gobs lies ramsay to book your man, today, that's pods, dot, com, slash ramsay, merry christmas america, I'm dave, ramsey, your host, jade, warsaw rams. Your personality is my co host today were glad you're weathers

The phone number here for your life in your money questions is aaa eight to five. Five two to five sean is in baltimore. Hey sean welcome to their ramsey show. hi? How are you guys great are going up are trying this brief. How do you like situation? My wife and I lost a baby at twenty two weeks back in April and had to use some of my wife, unpaid ethanol aid, because you, the teacher amish He just gave birth early When you seven weeks at the fiscal this month, and only have the remainder, the remaining eight weeks of familiar to you, in the nyc you until the end of january and my wife, the pudding Four eu leaders in a leave of absence to spend time with our baby. Should we stop investing until she begins getting paid again, even though we have our fully funded emergency fund here about the loss of that first baby. That's really tough!

but I am also celebrating with you on this new birth, which is definitely something to celebrate. Ah, how long of a leave of absence she planning to take about seven? We? What are you mark. I met about three thousand dollars a month. Yeah. She should stop investing. you gotta you're in the middle of a storm, and so you got about button up the hatches as a temporary measure. That's right! same way. The same way. We would suggest that if you were about to have a baby that you kind of pause, the baby said And in stack up extra cash, kind of the same idea, but it's kind of on the back, and, yes, your embarrassed at force, which is a little different, but yeah you don't You need the margin right now, because you have had an unbelievably emotional year from miss, urge to acute nick you as it is, I mean you ve had

and all haven't with babies, which keeps your stomach in your throat all the time right, yeah so you guys need the unity. The math. Article margin to pay attention to the child and to pay attention to wear both are emotionally in the mill. Others trauma show the EU process it and you hold hands and you're looking each other's eyes, and you hang on to each other. We are investing poor fellow. It does not matter a flip for the next six months. Right, look at he so much you humans are what matter right now, little ones big ones both came. So just lean and by a good dad, be a good mom, bigger husband by a good wife, war, We got one, we get one job and that is walking the rush. The way through these now that the these storms that you ve been through their two different kinds of storms and but nick you as a storm turbot in and of itself ripe.

Every time I go to make you with a friend or a family, and I all down there. It takes my breath away does still. Yours is a dad. Yeah, we rethink on there are too now we still about another month, thicket going back and still hard to breathe when you walk in right, yeah when I got it for I wait. We add a team member that had one in their fourteen months. We add we ve got about that kid's doing right now. So there is a good into the stories and the families quote unquote back to normal back to work. Back to investing back to living life and so on and another for a friend as well that that You know, I guess we're down there for seven or eight months in another, and it's just up: it's not it's a process, and so it is a pity, of your life that that is out of control will show you ve gotta control what you can control and yet the margin you need the march and give yourself,

permission to do nothing well right now, so and now do not get in two. Rational rationalization spending, Oh, we ve got to have this item and we're gonna go forty thousand hours and at no no, no, no, no, no, no, no don't go back onto their but but but do protect the house all with the cash that you can for right now. I love that amplification thing. A simpler process in geese and make sure that your focus is on really what matters which is your family, well when you are in the middle of some kind of storm crisis trauma whatever you call it vision immediately, you lose your peripheral vision and urges get dont. You had to focus on the one thing to survive. How absolutely a brain does that for you and you need to do that with a math as well, and that's healthy, that's good that smart trent, as in fact Akshay trent. What's up.

Hey guys, a long time listener first time caller. So thank you for what you did Dave. I appreciate your well. Thank you merry christmas y'all. Can we help you here too, I am dead free. I have a homicide. Helsingfors years. I I bought things and kind of resultant, but recently I started getting into buying storage units and then turning and selling them, and my concern, though, is is kind of taken off and I'm kind of on a trajectory to you know kind of a ballpark of thirty to forty thousand in profit and what I don't want to do is type in it with my personal finance, and I get the big question is: how do I buy your tax issue? Should I do- and I love the idea honestly- don't know where to go. Congratulations on your side, hustle! That's pretty great! I mean when it when it comes to assign hustle- and I kind of speak to this. For my own perspective, my husband and I had a small business and still do it really.

When you're, starting with the business whether you're saw proprietor or you know you do decide to do an llc of more than ever seen I mean you can select this, but most of the prophet and losses is passing through to your your personal account anyway, so they're still does that make sense. The only thing in my mind that might make you go towards and elsie would be the liability side of it and make sure that your your cover in that. If something were to happen in somebody sued you they can't go out your personal, your personal assets now in that way, you might look at it LLC or an escort, or something like that. Yeah I would well look at an llc in that case, but I would not. They also does not give any tax benefits. There is no peace

to hide the taxes yeah you gotta be reverie, but right now to behold outbreak any jackass horse, usually due to a more even more northern here, more paid more than used to make, but yeah so absolutely pay taxes and llc sub ass, a sober prouder. All I have a hundred percent pass through to your personal return. No avoiding squat now in any business in any of those structures. Expense you have is a valid expanse, reduces your income by that much but or if you have an item, you purchase this depreciated and you depreciated over a one. Three, five, fifteen thirty, your schedule, whatever it is, then you're gonna get that savings as well. But but there is no thing of all. While the way you do as you do, a double back flip family trust, llc through nevada, lacks a bunch rap on asylum infomercial and it does not work. You can probably get with that your provider, though endorse level provider and find an accountant kind of help help him open

upper walk through that exactly but Jane is exactly right. When I started doing l, l seas or syllabuses was win. Was for risk management unit, business insurance for liability in general. and if some gets hurt was one those containers or something like that, and then the second thing is if your personal assets are big enough or if the business has the appearance a being big enough that it starts to have it target on it with these issues. It's the sioux, everybody left and right for nothing, I gotta hany I'll, show also you for two million dollars, Now you need the business separated off from your personal stuff. So it's it's the size of the target. That way, and you would open and allow she for that. But you do have an extra tax return. When you do they allow say you got action. Paperwork. You have to every single thing regarding the business in the name of the llc, otherwise its and valid it will pierce the corporate all if you don't

I am so you can't go fooling around. Do some stuff entrance names of some stuff in the a l, l, c's name and now you're done doing good. Then satellite get a you know get like she should get. We want the tax providers, one of the key obese and they can help you with that process. I think that's a it's kind of like there's so much mythology. around wealth

access is one of em. Oh yeah, everybody inherits their money. That's well be that's absolute vs. We know that when a rush, the technically and rich people, don't pay me to access the more money you make them more taxes. Your pay is pretty simple: if you're turning money undercarriage every year, that is actual boy and very very few things that are other was one of the joys of earning more she says. Are gas declare. This is the rams hey, John bologna. Here I say it all the time you Can't wish your way to a better life, it boy

Down to being intentional about what you do every day, intentional acts because Healthy habits in one of them important things you can do to improve. Mental and physical health right now, starting tonight is to get enough quality, sleep and a notice from personal experience and for me great sleep starts incredible madras and that's I love dream: claude mattresses, whether europe back sleeper stunt sleeper or aside sleeper, because your dumb dog is always in the way dream. Clouds, combo of gel memory, foam and coil technology keeps you cool and comfortable. All night long and right now dream cod is running their biggest offer ever forty poorest of all mattresses, plus an additional fifty dollars and savings exclude For my listeners visit, dream club sleep, dot com and enter promo code. John Delaney, that dream cloud sleep

dot com in promo code, John D, loney jade warsaw personality is my ocean today, so this article for man day when I all this article ice. I said: ok, ok, I gotta go Today I read it, it says nearly half of young adults in the: u s are living at home with their parents and all that saved money on rent- is fuelling a luxury boom? It's as a record number of young adults in the? U s are currently living at home and all that save money is spent. in a luxury, combats unbelievable to me because it red down an article. It says forty percent,

these young adults are living with their parents is twenty. This is in twenty twenty two, so this is not like from twenty when he right. We know that people kind of hold up together because the pandemic in twenty twenty, but it still taking place and its is that it's because they have all this extra money and instead paying off their debt, this is a historical high, since the great depression yeah These numbers have not been seen since the girl depression. Forty eight percent Let me get this straight. You live in your mama's basement, but you gotta coach purse, you gotta coach person and these these companies that are easily make tiffany and do your and hennessy in all these luxury brands. They saw twenty per cent spike above in their country, there there, attributing it tonight, be children from being the children and at first I'll, be honest when it and when I first read this my my anger,

in my frustration was at the young adult but then I thought about. Oh, I thought about a more and I said known in an initial helicopter. Mama got out of control. Our copper daddy got out of control helicopter mom. This is also you know. It's a result on my meyer, the proper pop up up up up up up up. It's three things the parenting right. We ve sent that message that We were going to do everything to handling this was coddling cod. We ve coddled confidence right out of these people. We ve coddled, right outrage, Tweedle think about it. When you ve got parents who stay, I don't trust that you can this I dont trust that you can make it out there on your own. I dont trust that you can who's, your god given intellect and skill to earn money and pay rent. Why don't you come back and live here and, oh by the way when you live here, will cook your meals, we'll pay your red. You know if you need a little gas from money, will give you that two then dave you ve got the governor saying hey, you can't pay, for

student loans, will do it for you Then you ve got this. This mixture of been now social culture telling you everything you everything, you say is right. Everything you think is right, you can do no wrong. Now. Tell me dave: how does that create an adult who can go in and function in society. What does creating is for the particular young people that are falling prey, for it is what's known as a train wreck. It's train wreck. You grabbed? A train wreck? Because yours what's gonna happen, you can avoid life. You can't it's coming for your, but the one that was happy, and mama can protect. You an Biden can't protect. You know and your opinion doesn't matter until you ve got actual experience to base our opinion on that's right, but the world has twenty. I am sorry to older than wales. I really dont care. What your opinion is. I know that's right. And they're getting out into the world.

going wait a minute this this is different like you to give it. The problem is when they do get in the world and they will they well they're gonna run into reality, which reality says the reality says you are not an expert on something just because, you breathe air opinion, is not valid. That's right unless it is based on sir, kind of facts that were based on not feelings. That's right, but you ve been told that your feelings are all valid and are valid feelings. Yeah, but though the any by the leads. Their life by feelings is known as a child, a dull devise a plan and follow a children. Do what feels good right. Here's hairs her winning add in your exactly right: retrograde shut this ten year, sugar or fifteen years ago. The first time we don't have a student long crisis. We have apparently parenting its parenting and I said all the time you have to: u care of

orb everything for your kid now. I've got young kids dave. I got role than usual in them to the salt mines every morning shook her whack. Let me, through your old gaucho whack, you gotta. Let him feel it you gotta! Let him a feeling its bear. Your toys is very easy to want to step in and not let them fail, not let them for disappointment. Not let them fear hurrah gotta. Let him feel it is a problem when we, apparent that you think you are your child, a favour by making it easy for them. Yup you're in actually making it harder for them, cause you're, stupid, well, you're you're! Imagine that you think that they're not going to have to learn the lesson. Therefore wash and so, better off to learn the lesson, while at home and fifteen years old and feel the pain of calices on your hand, field

pain of actual discipline and responsibility at a reasonable level were. I can protect you from it being crushing pain at thrash your dad, but I'm gonna make sure that you feel the abrasion Yeah when you feel real abrasion later real adversity later you ve got the freaking character to stand in the wind and the resilience has, if you don't allow that you again you're sending that message. I don't have confidence in you and there's an undercurrent that the child fuels but okay. I I I can't do this so then, when they do get out in the world and all those things happen, they don't know how to they don't know how to be resilient. They don't know how to handle it because They have not had to build that level of competence and, like you said character, and it's just In this example the other day I was talking about my kid and you know he wants to help me set the table at night and look he's these four years old he's not gonna. Do it right he's gonna put the stuff on at the table pregnant,

the glass? I was gonna break all these things, and I it's great trinity for me to step in and go you know I'll. Just do it I'll put it like this, I how to do it. But if I do that, I'm telling him I don't have. confidence in you'd either. Do it right- and I certainly do not have confidence in you to make a mistake and learn from it. There's no dignity. There's no dignity there. When you are coddled, you gotta, let him do it. There is no doubt the tea when you have no autonomy, because you absolutely no actual scale, that's right and by them, managing. Your social media account is not a social, is not a skill that that you don't qualify for that. Now and I count that you don't get making comments on other people's actual Five months is not scale yeah! That's not an achievement! and achieve anything when you did that

and so, when you live in your mother's basement, any right, a blog on personal finance, the rest of the world left situ yacht in your mommy thinks you're cute. So a message to these young adults living at home you ve, been enabled were telling. You ve been enabled you have been coddled, You have been put situation that is not for europe interest now. It is time for you to do. Some to change that is time you to get up it's time for To get out there, one is not. I can't afford rent the symptom. The problem is: you ve got debt, your earning enough money and you're not doing enough to go out and change it mom and dad can't do this. For you, blame on the fact that folks are getting married later in life. I'm not saying it's, not it look work more go to the bar lash.

was that was that, okay, that does it cause you you take. You took your long skills from college and you brought home to your twenty three year old stuff and you voter them too happy our skills gap, and so we live from. Thank god is fraud. It, oh god it's monday, and this is a recipe for freaking failure. Yet so, if you are a young person listening to us, we are not taking on new. Now we are begging you to get away from your parents they're stupid a date. They did you wrong and parents. If you're listening in the new year, it's time for you to serve a noticed ass, the gift, yet they give that they need to open up is a a pink slip up? You got, tells you that it on mars. You got two june get no more than june during max, but get give them or ramp, given all around them an all and I'll lamp, whatever want to call it, but less lay out game plan coach them help and show them what to do, and I just you go that does not leave and asked. eventually noticed a turkey they are useless. You do not

wanna be thirty, eight and living in your mother's basement by the way young men, no woman wants to date. You cause your watch known as a wash your. eligible. You are not

actual. You look like a parasite. You do not look like a person who can carry half of a relationship. My goodness my daughter, I wish my daughter would bring home a dude, that's living in his in his parents' basement. Oh big, sam, realizing that big sham beyond mega big mama would be lighting that guy up. Well, that's a that's! A sandwich I'm to be in the background cheering her on that would be alright, hey seriously. Folks love your children well enough to cause them to grow up. That's right and out. This was the ramsey show the dave here you can find all of our shows with the ramsay network app on your smartphone. It's the only place to listen to the entire back catalog of episodes download the ramsay network app in your favorite app store that today, the hey it's james producer of the ramsey show. This episode is over but check

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