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Live from the headquarters of ramsey solutions. It's the ramsey show where we help people build wall, do work that they load and create actual amazing relationships. I'm day ramsey, your host.

Thank you for joining us. Kin callon ramsey, personality number one, best selling author and host of the kin coleman show, is my co host today. So in the eighteen sixties there was a famous poet, a lady named serail.

SHE was the editor of a book called goody ladies book. Uh, SHE penned the famous nurse room. Mary had a little long, and for seventeen years, beginning in eighteen forty six, SHE wrote to the president of the united states, and he was influential, unknown, so they would have received her letters.

Plus, back then, people actually could just walk into the White house. IT was a different world, of course. And for seventeen years, SHE would write to the president as a well known figure, asking the president to formalize a day of thanksgiving as a national holiday in the middle of the civil war, eighteen months before the civil war was to end. In eighteen sixty three, abram lincoln decided to do that.

And his secretary state seward, who wrote a lot of his speeches with link and lincoln was known for his ability to uh speak but sort did what of his writing um and sort wrote out the proclaim tion and the president, the united states Abraham lincoln, declared that on october the third one thousand and sixty three are eighteen sixty three that thanksgiving is going to be a national holiday. Here's the proclamation. The year that is drawing towards its cloth has been filled with the blessings of fruitful fields in healthful skies to these bounties, which are so constantly enjoyed that we are prone to forget the source from which they come.

Others have been added, which are of such extraordinary and nature that they cannot fail to penetrate even soft on the heart, which is habitually insensible to the ever watchful providence of all mighty god in the middle of a civil war of unequal magnitude and severity, which is sometimes seemed to foreign states to invite and to provoke their aggression. Peace has been preserved with all nations, order has been maintained, the laws have been respected and obey, and harmony has prevailed everywhere except in the theatre of military conflict. While that theatre has been greatly contracted by the advancing amazon navy of the union, needful diversions of wealth and of strength from the fields of peaceful industry to the national defense have not arrested the plan, the shuttles or the ship, the access in large to the borders of our settings and the minds as well of iron and coal as of the precious metals have yielded even more abundantly than here to four.

Population has steadily increased, not withstanding the waste that has been made in the camp, the siege in the battle field and the country rejoicing in the consciousness of augmented strength and vigor, is permitted to expect continuance of years with large increase of freedom. No human council have devised, nor have any mortal hand worked out these great things. They are the gracious gifts of the most high god who, while dealing with us in anger for our sins, have nevertheless remembered mercy.

IT has seemed to me fit and proper that they should be soloman reverently and gratefully acknowledged. As with one heart and one voice by the whole american people, I do therefore invite my fellow citizens in every part of the united states, and also those who are, see and those who were to journ in foreign lands, to set apart and observe the last third day of november, next as a day of thanksgiving, and praise to our beneficent father who dwell the heavens. And I recommend to them that while offering up the descriptions justly do to him for such singular deliveries and blessings they do, also, with humble pinches for our national perversions and disobedience command to his tinder care, all those who become widows, orphans, mourners are suffers.

And the lamentable civil strife in which we are unavowable ly engaged and frequently employed the interposition of the almighty hand to heal the wounds of the nation and to restore IT as soon as may be consistent with the divine purposes to the full enjoyment of peace, harmony, tranquility. In union, in test only where have i've here to set my hand and calls the seal of the united states to be a fixed by president Abraham lincoln. I read this every year, and I have for almost thirty years on thanksgiving on the show, because i'm a cornball and I love stuff like this.

And there's two things that never cease to strike me about this can one is, I just wish we could speaks like that are ungry. I mean, it's the only time of the year I get to use the word beneficent. I mean, what a word.

That's a great word. And the second thing is, this is the president of the united states telling the nation to say, thank you to god. Unashamedly dly, straight up.

No, that's what this holiday is IT thanksgiving. And praise to our benefit father who d dwell up in the hevens. Thank you, lord.

What strikes me is the third sentence of this amazing piece is he's talking about we've been in the middle of civil war and certainly we're experiencing that. But if we think a lot about the last elections season, then we've just come through and we've been in the midst of a cultural war, a divisive season.

And so i'm struck by the fact that i'm very thankful today that as he goes on to say, uh, order has been maintained, maintained laws have been respected in oil, and harmony has prevailed. Now I don't know how much harm is going to be around the thanksgiving table around politics this this year, but uh, we are a peaceful nation. I think we should be grateful for that given the stakes and given the the divisiveness is. So i'm struck by those words that .

are relevant today. It's perspective. I mean, the time you look back this lady for seventeen years, as SHE kept knocking on the door, knocking on the door, knocking on the, and finally, a president in the middle of the civil war, he says, this is the thing.

But that was a abram linen's unique spiritual position. He square in the middle of this huge conflict and still stop and says, oh, look at all the blessings around us and guess where they came from. So we're gonna stop and be thankful for that.

thankful that he did this. This is a, this is a great tradition that we should be thankful for as well. And you know, we've been blessed mightly this nation. When we look at the world picture, god has been good to us, and even aber him linked in a time of unbelievable torment of ripping a nation apart, family fighting to his family, he was grateful for. It's goodness and also very positive as he looked forward there, a lot of positive vision.

And he expressed, he all the wounds of the nation. Ask the all mighty hand. They healed the wounds of the nation. So, good word, it's good word to remember right now. That's why I do IT.

So what do you thankful for that? Your entry under the show today? Yes, i'm a corn ball, but I got my name on that so I can do what I want to with IT. This is the rams show.

This show is sponsored by Better help. This month is all about gratitude. And most of us have people in our lives who are great before. One of those people for me is the great john wal thomson.

He taught me ET to be a dad, a husband, a professional and had a baLance caring for a bunch of people all the same time. We all know if somebody else we can be grateful for, but there's one person that we often don't take time to think ourselves. We don't always acknowledge that we're surviving that were moving forward and IT were working towards a Better life and Better relationships.

And in a world where everything's gone bunkers, it's not always easy. So here's my reminder to thank the people that you love, thank the people in your life, and thank you. Sometimes we need some professional help to talk to somebody, train to help us discover true gratitude for ourselves and others, especially in the holiday season.

That's why I recommend Better help. Better help is one hundred percent online therapy, and you can talk with your therapy at any time. So it's convenient for your schedule, just filled out a short online survey to get match with a licensed therapist, plus you can switch therapy at any time for no extra cost.

Let the gratitude flow with Better help is IT Better helps dot combs, lush, the loony to get ten percent off your first month? That's a Better help. H lp dot com slash colony.

Kin golden ramsey personality is my co host today. Thank you for joining in america. What are you thankful for? Joes gone to start off this, our joes in albany, new york. Joe, what are you thankful for today?

If I am, thank god first, and my tender al daughter.

oh, some, what's your name?

My daughter's name is Albert.

Very cool, very cool. How can we help you to die?

Um so yes, my my question is kind of centers around uh, god. So um main question is, does god want me or us to be wealthy? Um I kind of want to ask you that because I feel like you have A A pretty big business and you have time to people who in church well maybe you could offer some bibo insight um that way my finances and my life .

can be aligned a little bit more yeah OK well that there's two ends of the spectrum uh in the Christian world both of which uh create an inaccurate teaching of scription one into the speakum we call the prosperity gospel that god want you to be Rachel, if you're not Richard, you must not be right with god and all this kind of stuff. And that's not biblical. You can't back that up scripture.

The other end of the spectrum is is that god says you have to be poor in order to be holy and that's actually not scriptural either. That's a form of hersey called note ism. So what actually happens is it's not really a spectrum between those two, but it's maybe a third point on a triangle.

Often a different direction is I was on uh, A T, V show with a pastor one time and, uh he asked me what he thought was an uh a qua uh underhand pitch questions OK for Christians to be well, thy kind of what you said and I said, no, we have to all be poor and I kind of free tim out because he thought I was going to say, yes, it's okay, na be wealthy but my point and and then I went on and expanded. So here's the true idea. Okay, god doesn't care if you're wealthy.

You're if you're poor, hey and care one where the other all he wants is your heart. All he wants is your worship. And if poverty gets in the way of your worship, that's a problem. If wealth gets in the way of your worship, that's a problem.

And that stated um by paul in the new testa as a manufact, i've been well rich and i've been poor and um you know lord keep me from having one or the other if IT gets in the way if you remember reading that scripture, joe, you probably heard that and so um the point is is that those of us, there are people of faith. There are people of the book believe that we don't own anything. We are merely managing IT forgot he is the owner where the story is the old english word that was has been Christianised because I was in the king James or description.

So we're merely a manager. So we don't own anything. We're managing IT and managing wealth is A A privilege. IT is a responsibility and is to be managed for the good of garden, for his kingdom. The first thing he says to do to take care of your own household, see that daughter or you're worth than unbeliever.

IT says a godless man leaves an inheritance to his children's children, and that's not necessarily just an inheritance of character, is also an inheritance of money, because Solomon built a temple, but he built a temple of god in jerod slum with his father, David money. David was prohibited from building the temple because of bath shaba and his order of the murder of uriah. But, uh, Solomon used David inheritances to build a tempo with.

So a godless man lives an inheritance to his children. Children is fine. And of course you don't want to leave an inheritance to your kids if they're misbehaving because you're just going to fund their misbehavior. So but that's what we're talking about here.

So uh um you know we've taught our kids that we're managing this money for the good of our family to eat, the good of our family to enjoy some of IT uh to be generous with god loves a cheerful giver says in scripture so this continuous generosity, there's an indication all throughout new testament and all testiment to tie the tenth of your income as your baseline for your generosity offerings above that. So we've got these kind of got A A, like, we got a job when you get money, and your job is to manage money, and then god gives you the directions on how to do that, manage his money. You take care, your own household, your generous to you leave an inheritance of, you stay out of dead, you feel wealth.

A, uh, you know, but this idea that i'm getting rich for me to be a snake ghi rich person? no. But but are all rich people going to hell? No, that's heros.

Y, because anything that teaches that that, uh, the blood of jesus is not powerful enough to cover anything is herrick. And so we're suggesting that a prostitute that comes to jesus, a murder that comes to jesus, can go to heaven, but a wealthy person that comes to jesus can't. And that's what the notice s taught.

And that's what some of these people who teach the ology on twitter think and ensure yeah ends up you get this mixed message like you are spiritually inferior if you become successful and yet you're not because the bible is the diligent prosper. What is diligence? It's excEllence in the ordinary.

You're good at your job. Do your work as unto the lord currency and three twenty, our classroom, three, twenty three, he says, and how would you do your work? You would do IT wide open.

You like, i'm working for jesus. I'm gonna crazy. Man, want to give IT Emily that all on the field, you know and so and if you're faith with the little things you're going to be given more to manage.

If god was against wealth, why would he give you more to manage? And that's out of jesus is own mouth so there's all this biblical uh, evidence that we're not supposed to worship wealth and that wealth can be dangerous because I can become an idle. But if we can maintain the distance from IT as a manager instead of an owner, if you don't say my, my, my, my, instead you go, i'm hold this with an open hand.

What do you want me do? Is that a jury? And then then you're managing IT. If you're based with a little things, you'll be given more to man.

And so then you don't have to live under this ridiculous communist, left wing guilt trip for successful for people and then they try to put a bible spin on IT, which is really hilarious. Yeah but on the other hand, you're not you're not Better than someone else. I know some some of the highest character, smartest people who are not wealthy, and that does know you're not Better than them. If you're managing more money than they're managing, you just have more responsibility then make any sense .

yeah that makes a lot of sense. I don't realized that there is too, uh I guess, crazy sides of each spectrum and just knowing that god really doesn't care just matter from my heart is that told me you are no.

I mean he he wants you, that's what he want. good. I mean, like always tell people is like, you know, people get so talk about about this or that.

Listen, and i'm giving money to my church. Well listen, if you god wanted your money, he would just take IT and there will be a greece y spot where you are sitting. And I mean, you know, it's like he's not worried about the money. You know, this is god so, you know, so it's it's all, you know, you've gotta think sometimes you think of the king with Gabriel. Just laughing edition.

absolutely. And I feel like after that sermon, there's only one thing to do. And I should take IT off and writing.

That was really good. Three points. We should have music I got most about. I could do an alter call analog l offering the same time. That is a rare of talent, but some of us have IT because of the amount of hours i've logged.

So you're going to grow on your hair out, you know, that would probably .

fit you know you probably are you worried .

had over to the health and wells new to pay. I'm trying to get to figure .

out glues it's noxious. Get really work IT out. But yeah, I think it's a good word day and I thought love IT on to really I think the simple thing of anybody's grass miners for the first time, I think what you said in one line really captures the whole thing.

And that is it's about your heart. So where they have a little money or you have a lot of money, it's about how you view the money. And that's just really good ideology.

And I just IT cannot be, by the way, that's not debate. It's it's about managing the money. There's too much scripture that just lays IT out that we're stewards of everything that gives us.

And so that's just a beautiful answer to that question. So no guilt, no over thinking, just walking on what dave said there. That's about a stronger .

teaching on that. You will get one person are all going to you thirty eight dollars two of income earners in the world woops, you're not going to IT if you believe that toxic nostitz eros y this is the rampy show.

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And golden ramsey personality is my co host today. Black friday week is going strong. Going so strong, we're going to get out of stuff, I think.

Well, thank you. We appreciate the number of you that have stepped into the store and have thought gifts that have meaning when you give away. I mean, you can give an ugly tire and give a book of change life.

These are choices 是 i。 And so thank you for doing that. Uh, best selling books like the total money make over baby steps, million airs kins book, owe your pr to john's book on your past, change your future kins book from paycheck to purpose, or twelve dollars each. The total money make over a book, of course, is help tens of millions of folks learn the step by step baby steps, only twelve dollars can get clear assessment is on sale as a part of our black friday sale, too.

The perfect gift for someone who this is the print out when you take IT what you get, it's perfect give for somebody who feel stuck in their career that helps identify your unique owns, patients and mission and helps you outline a good direction for where you're going to go with your career. A lot of people rethinking things here in the um all the change that we're going through. And here we come towards the end of the year, a lot of people resettle and going, hey, i'm kind of hopeful.

I'm thinking I need to make my move now. I'll help you do IT don't wait. Check out our black friday deals. Ramsey solutions dot com slash store razi solutions dot come slash store called mazo michigan dail is where they say, dao, what's up?

hi. Thank you've taking my call. I'm grateful for my wife, my children, and i'm grateful for his forgiving. Ss, so I can say, and that free one I love.

IT, good for you. alright. Perfect dance. Or how can we help today?

I'm calling about with one of my children who got married this last year, this last summer, to someone who has not got a Green cat, and he's grateful for the united states because he wants to live here and make money. But h, she's working on going to get a Green card and the paperwork to do IT requires her to have uh a long time of wages like over years worth of consistent wages. SHE just graduated this so he doesn't have that.

It's a ten year commitment and you're asking us, my wife and I to sign up for this and be a cosponsor with him to get his Green card. And what look at retiring IT about three to four years. So we're kind of on the bubble with what to do. And we know that is every relationship impacting thing too. And we thought we ask your dice.

So what is IT you're promising when .

you do that, they have to make one hundred and twenty five percent of the poverty wage and anything short of that we have to throw up.

OK but twenty .

eight thousand dollars a year he has to make and I don't want to her and him or just him. We're trying to get that clear through the immigration wine. We just don't know.

okay. And um who is that after a file paperwork to prove that? H I soon and .

he does part of .

our questions to us.

do they come back and ask us for our wages each year? I don't know how that works yet.

We're to get that out. I want to know how they prove that in the words how tight is this the mathematical audit on this um or is IT just like I promise to do IT and we keep going the then the second thing is i'm how long have you known the Young man?

It's been over year. He's very kind hearted, is very proud. He doesn't like to take money.

Where does he come from? Which country .

IT can .

you make a okay alright um is the industrious.

ambitious story yeah very ambitious theory industries. He's been working end of the table and he's spent doing really wealth pay, paying his way before he came into his life.

okay. So if you're going to put a percentage on IT IT sounds like you're gona say ninety or ninety five percent chance he covers this and you never have to correct that.

My take on IT but is that fraction percent? My wife and I um republic kind of different ends of the spectrum .

here yeah I mean, really what you're doing you're betting on him, you think can what sounds like yes.

but I am just sitting here going on and I I tend to be old school on this, something I think he can do this. I mean that IT has to happen. I mean that it's all in you guys don't even really need to be in this conversation in my my opinion, I don't know what into the spectrum ural.

he design promising that he's gona do IT. Oh okay, that's that's what sponsorship is. If I underside there.

that's yes.

If if he doesn't not go do IT, then he got a lot .

of so that's the only way. Are you positive of that? That the only way he could get his Green card as if if if somebody .

else signs this .

correct positive that's really new term at that is a wrinkle I was unaware of so if that's the only way, I mean.

you you're looking at him, you you are you willing to make this take this risk on him and you know when more a lot Better than I do obviously are everything you've to say about positive sounds like I go getter um is and and you know my experience with folks from cuban countries is the kind of like A A A G Z person der either the best on the planet or the lazy st on the planet.

I A quick clarifying question if if he were to not do this, is the option for him to go back and you not have to pay anything? Or is the U. S. Government coming after you regardless because you sign .

the document if he goes back, the agreement is over.

Yes.

so that means my daughter would go with him. And we are one of this. 看看。

i get IT. I just that's why I asked that clarifying question. And I just really curious, where's your wife? You said opposite in the spectrum. Give us who's on what's spectrum on watch side.

He is really worried that we're going to get caught. We just paid our house off. So we are know and baby steps seven and does IT want to have to look back at in the have an obligation, we understand the freedom and comfort of that Green grass in the art. And we don't want to be in a position where we are, are pull back by something.

Yeah, i'm gonna have a real strong conversation with him and her. Yeah, that's going to be uncomfortable. It's so strong like i'm onna kill i'm going to kill you to if I have to write a check yeah you know like i'm i'm you you guys don't understand how pissed off i'm ggt na be.

So i'm going to get like all up in their grill so that we set the table appropriately. Were now they're not only scared to the us. Government, they are little scared to you.

right?

Got IT and back. God, they go. Dad told us, you're gonna kill us.

We gotta get, you know, you, you Better be driven in uber, man, be cut some grass, planted some toilets or whatever, is you got to make some dad gun money here. Um don't tell me i'm unemployed for six months. Not an option that's going to kill us. So you know, i'm going to have a conversation that's very, very blunt and very strenuous so that I don't have to have one lighter.

I agree, dave, if i'm I just put myself and but i'm going to do IT, I sign IT. But under the under the agreement that you you're leaving, if if you don't do what you're supposed to do, you're leave in the country. And I don't want my daughter leave, but i'm not this is not my problem, not my financial problem.

You have to go figure that out. And I just because I think IT provides a safety net that I don't like, I don't like IT. I understand in the .

government feels like coit IT very much a contingent liability. That's what is what's worry about. But again, IT has everything to do with the quality of Young mannis. And I mean, if you smell a rat, just don't do IT, just don't do IT.

And maybe you are the one breaks them up then you know by doing that because not because he's gotto go back now um so I don't know, but i'm not an immigration special, but I would be willing to my songs in law are both very industrious, very ambitious, very successful in their own right. Nothing to do with me and you know I could easily have bet on them in the old days and have been fine. That's no and so that that's that's kind of what we're looking at here and you're going be fine if that's what you're dealing with. So I mean, but this Better be a stud. That's all i'm saying.

I great because I i'll look at that Young man and say, no, i'll take care of her. But if I have to take care where you're nowhere in the picture pile, you're back in the homeland, I just don't I don't like this. I don't like this, but I don't like a lot of things that government comes up with stupid idea, pass a citizenship test and giving a dad gun Green card. You know, a whole .

another issue. He goes and joins the military. He goes away, so if if you can't make the payment, he has to go to the military.

That's the process. I like that. I could be good with that.

This is the msy show.

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Is the season in a few weeks, we're going to be doing our special giving addition of the ramsey show, where we want to hear stories from you about how you have given generously this season. Maybe you tip to wait for one hundred dollars or thousand dollars or more thanksgiving dinner for a family who couldn't afford one, or whatever you did. I want to hear your generosity stories, or might be a bit on the receiving end of generosity.

Someone came along and change to your life or help you or give you lift. Want to hear both kinds of stories to inspire giving during this season. It's our annual giving edition.

If you want to be part of IT, go to rami solutions outcome slack, ask put giving in the subject line a lobo butcher story in our team. We'll get in touch with you and make you one of the one of the storytellers on our giving edition is coming up on december eighteenth. And remember, we're celebrating living like no one else so that later you can live and give like no one else mary best in Virginia beach. Hey, mary beth, what's up?

Hi, good afternoon. Um I am thankful for god always providing even in the hard times um and then i'm also super thankful for you gave you can in the rest of the rainy personalities and how you are helping people to see what the true american dream is which is to live that free so that you can do what you guys do live like no one else but you can give like no one else very cool.

Thank you. How can we help today?

okay. Um guess i'll give you the questions first and then whatever details you'd like. Um I am trying to figure out whether we should show our house soon um hold onto IT for a couple more years um and then when we do sell IT, do we rent or do we buy again? Um the reason is that we are including the mortgage about four hundred and forty thousand dollars in debt. Um let's see .

forty seven thousand .

a few lock and fourteen thousand, seven hundred and cars, thirty eight thousand and credit cards and perona and then three hundred and thirty nine thousand in the mortgage. Um my whole salary my husband make six thousand a month. Um after taxes I am so employed I make about forty four hundred and um all of my forty four hundred is going towards paying down debt and for um estimated taxes. So my whole salary is basically paying down the debt .

that paying down the debt you mentioned.

yes, all of that debt I I am paying, I pay week on the various .

credit and yes. And are the two of you working honest together?

Well, i'm definitely um a RAM attic and my husband is uh kind of hands off the finances and I have tried to get him involved. We leave. I tried to get him on the um every dollar at he didn't work out.

He turns his whole check over to you to do with what you will.

Yes, yes, I pay down all the debt. I pay all the bills um and I actually have a side hustle my forty four hundred OK.

so you you a ten thousand or gum and you need to coin up um fifty year i'm sorry, one hundred thousand .

one hundred thousand .

decent mortgage right okay so what you what can you do that in less than three years?

Well I can that thing in about thirty two months, thirty months i've calculated about I can get rid of everything but the mortgage. But here's the thing, if we were to move, I could wipe IT all out and have one hundred thousand dollars to start um funding our retirement because the the clinton is that we have zero dollars for the i'm sixty eight hundred sixty one.

The clinch is in three years you're going to start saving .

for retirement my my thought the was and that's what I wanted.

You don't be homeless. Your thought thought is I want to be homeless. Hundred thousand.

Well, not homeless. We will never buy another place.

Go black in that.

Well, but the mortgage would if we put the hundred thousand dollars into a new place that smaller and downsize, then the mortgage would be lower and we would have zero debt other than that.

And then my, do you like .

your house? I do, but good.

And I think you need to keep your house and I think you need to invite your husband to Carry the weight of your household with you. Your shoulders are tired from Carrying IT by yourself because he worked and handed at all and set IT on your back .

yeah and I think that's my biggest thing.

Yeah nothing do with .

the house selling is because I feel overwell because you're .

Carry in the whole thing by yourself. And I think you need to invite your husband to step up and shoulder part of this weight.

Oh, I wish you could see the dinner table with him, because I have tried every which way from sunday, and I just don't know how to get him.

I would say I just like that. I'm tired of you being a worse. I'm tired of being the only grown up in the family that Carries the weight. Thank you for handing over your check and then me treating you like a little boy, i'm not your mommy. I need some help Carrying this.

Absolutely, absolutely. My wife says .

that similar something last night, or cleaning up dishes after thankful ving dinner was getting the kitchen. And to help me where you I look like you're slave over here, that is exactly how he said IT. But that was what to look. matter. I can you know.

you know the look, there are strong inference. That's what i'm hearing.

I mean, you just got to communicate. And cy, this is not a bad guy, just he does not he loves his wife and he does not know. He does not grasp because you've not been clear with him how much this is stressing you because he is not emotionally Carrying the responsibility.

This house sold with you, your tired, he needs to hear IT very clearly from you. And then you guys need to roll up your sleeves together and play right through this and keep your thinking house and then get get your retirement started. You get fifteen years to do a retirement plan. You will be, O, K. You're gonna some money for retirement to pay for else about and you keep the house if you want to sell the house later, that's fine, but you're still in the house for the wrong reasons.

Yeah and I think I love being really asked with him about the stress because I think he has stress and he's an unloaded at all of his stress on to you because I don't think you like talk about about that's why they have you so beautifully years ago, and you came up with this whole plan, you got the nerd right? You got the spender. And I think this is a guy who he just has zero nerd in him.

And because he doesn't, there's a natural tension there and he just shows that over to her. And so he has to shoulder all, I think, if he could acknowledge, I know how I feel thin about doing this. It's unfair that you're the only person feeling that way and i'm stressed .

free and they need to man up.

learn, deal stress and and you .

know and you I took forty three years for sharing and how to get that figure somewhere along that line we figured out that um you SHE figured out i'm not a mind reader. SHE has say out loud and then and then once he found that out, SHE says, IT pretty loud.

So it's so true.

But I invited IT, so I would rather at least know what's going on if you go, okay, why are you in the throwing dishes? Oh, I just be helping you to break in everything. OK dropped the pain fourteen inches above the sink.

Yes, what's wrong? Course guys aren't smart. But ladies, for just all women out there, please take this from a man.

We are not not the smartest people in more, but we are not stupid. We know when something wrong. You don't know, you don't know what IT is. So how about space is all and just tell us what is my personal favorite day?

I'm so grateful for today he is learning to work through this phrase, but I love and SHE says, hey, we need to go weed the long or we need is something that he never does, but it's always, we need to do this. And I said that they are going on. Here's what i'd prefer. I'd prefer that you just asked me to go to do IT because for .

that slight moment I get passed off yeah because you I know you right? Like.

when are you going out there and pulling up weeds? There's a couple in the front row there have hit A. Nerve, we ve hit a nerve.

we ve hit a nerve.

There's no, we don't never .

say we need. We are gonna on together. It's not yet. That's the only really honestly, ninety eight percent of this whole thing here is, in your case, mary beth, I would just sit down, have a clear conversation with and I think that's going take a lot of weight off your shoulders, sprint right through, yeah and keep your house and that's what I would do in a happy thanksgiving. This is the rampy show.

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It's the rami show. We help build wealth, do work that they look and create actual amazing relationships. Can common ramsey personally, new born, best selling author of the book paycheck to purpose? This is my cohosh today.

Happy thanksgiving to you, america. What are you thankful for? You got a lot to be thankful for.

You are really just might make a list of your blessings because it's a long list. Really thanksgiving a thing, and we're so happy here. here.

What are you thankful for? Nancy, is whether in tamper flat? And Nancy, what .

are you thankful for?

That's good call. So tell me your story. How can we help?

Well, I haven't had been together on nine years, married seven um there is a significant age difference when we got married he has by grand children and they kind of insisted on a nobody well, but you to have that we got marry, he got the dementia and I have to quit my job early and to care home for sixty two. So I just during my current early, I still have the head.

I have investment checks that coming from my investment, but is the other kind of pays all the builds of worse house. And I stopped to hear mine me. So you have your mouth.

you have .

your old house. No, I do. I wounded with my mother, and SHE was getting elderly.

And SHE moved when my sister was too much chance for her after I got married. So we ve, 嗯， by the time, to take off the death. So the profits I have about sixty thousand last, okay.

And so sixty thousand there. And you have investments of homework.

I have about two hundred thousand investment .

and you're sixty two.

I'm sixty two. O K. I'm joining from my index, my account. I get about eighteen hundred a month and I dry, and then I have sixteen .

hundred a months from my how is your .

husband might .

be okay and he's not doing well. I take IT no.

okay. I not much time.

I'm sorry, very sorry. Oh, so that leaves you like his house that you're living in is in the press up.

I guess on rect. So you 认出 一个， 反正 我是 跟 你。 Um my question is, I sort one super high.

Do I try to write? Do I try to buy something small? Like mean the fact don't know mcindoe with a small mortgage. But what does?

That last well I I would try to buy as something in work towards getting IT paid off. Obviously the least expensive thing you buy the faster you get IT paid off because um the largest item in any ones but not anyone, most people's budget is housing. And if you're renting ah you um your sixty four for the next twenty five to thirty years every single year of your life, your housing cost is gonna up. If you're own, you're locking IT down and the only thing that goes up x and insurance um and if you are going to get IT paid for the largest line item in your budget is no longer the largest line item in your budget. So from a stability standpoint in your life, I want you to get something and get IT paid off as quick as you can, and then you can live on a lot less and have a good quality life from that point forward.

I have whatever some question I was debating.

What did you do for? What did you do for a living? What were you doing in? What profession were you in before all of this happened?

I have a medical office manager .

for twenty years. Do you feel like, I mean, I I hate to think too much in the future, but this is a reality. Do you think you can get back into that world and and make a good income?

I'm not only represent sure, I get series back as using and that's .

the stabilities. Well, if you in the income you can add the equation makes the equation run Better. That's obvious, right? So that's something to consider if it's not exactly that field or some version of that field of virtual assistance.

I was thinking that same thing, dave signature, here's or trying to courage you with. You've got a lot of administrative gifting here organized. You've got a lot of experience you can play with there and look at opportunities to work from home. And even if you're bring in in, you know, somewhere between forty five to sixty five thousand dollars, is gonna go a long way here as you start to move in in the next chapter.

So the princess p leaves you absolutely nothing.

pretty much .

know what, pretty much main.

It's something now that's IT and I have like thirty days .

after he go move out OK. So IT covers IT covers death as well as divorce.

Yeah pretty much.

OK, um I was pretty much less separate .

as fast finances and stay one. I mean, i've had my belt, he said, when I feel my health paid off thirty thousand and bad, I still owe ten. Can you .

going to today? Okay, one less thing to worry about, you ve got that fifty, you've got the other two hundred and you've got some ability to earn an income doing something and those are, those are your mathematical benefits, says you walk through a very sad and tragic situation. So so when you are, you know what master is is when he signed the print up SHE felt like he was more independent than SHE actually is so left her uh in a problem um because you know and honest I mean I get the idea, I get the concept um I don't know how wealthy that her husband is. Um we didn't get into that um but the um you have .

a feeling that he's pretty wealthy.

That's why it's so stringent. No, I think he was solving for the grandkids and kids raising king about him getting married. He tried to that his way.

Get them off is back. That's what I am guessing. I don't know, just kind of got that run of them must. The other thing is most, most premiums allocate something you to the person, not nothing right. That's unusual.

You within .

thirty days, it's unusual to get absolutely zero. Um and that's all of of course, based on the fact that he thought he was Better shaped than SHE actually is not destitute. But I mean, she's not got two million dollars of her own so um and she's sixty two so there you go yeah I think you I think you're looking at something to earn some income.

I think it's going to make your life a whole lot Better and and we will help you open up the next chapter of your book as well because you you know, if you've kind of have been defined by this whole thing for a while and time for a new time for a second acts, act to click or act three click. This is the ramp I show. I've been doing this show for over thirty years, and some of the sad calls I have taken are from situations that are completely preventable yeah .

and what so hard as I feel like one of those, especially the ones that I like, terrible air people that call in and their spells has passed away suddenly and they don't have life insurance. When you have to think through how I onna pay my bills in the .

middle next year.

yeah in the middle, all that grief like it's just IT is it's terrible to life insurance is the one thing, especially as a mom with three little kids that I like so big on for people to get because it's inexpensive. Gender is the place that once, and I actually get all of our life insurance.

And IT doing much because sander shops among a gazillion an different companies. IT doesn't cost much. You just have to admit that someday you're not gonna be here. You got to say out loud and you got to say i'm going to say I love you to my family by taking care of them and taking the time to put the stuff in place. The costa stinking pizza to get a free quote call eight hundred three five six forty two eighty two that's eight hundred three five six four to eight two are go to ander t. com.

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store ms question that has brought to you by why retry if you've made student loan mistakes with zeros on the end? We're not judging you. We are saying, do something about IT contact.

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Today's question comes from mary in new mexico. My husband, I ve been listening to you for thirty years being empty nesters. Now we have found that we had to pull back the rains a little bit, went back to using an envelope for groceries.

We also eliminated credit cards and mostly used cash. The one expense that my husband refuses to use cash for is golf in all caps, with an explanation point. He has been an evc golfer for forty years, being the main, the winner, he feels somewhat justified and deserving to continue this hobby.

He never remembers what he we're constantly having to just for extra money that's coming out because he changes everything at the club and then we get an invoice. Could I please get your expert advice on dealing with this type of scenario? Well, I was a member of a local club for a while.

We had one of things i'm very thankful for. We had corporate membership at a great golf course here and stay at night. Had to put this in the line idea and so um he's got ta put this in the budget.

And if it's not going to be cash because I understand the way these clubs do this, he knows what IT costs to golf. He knows what IT costs to get a car. If they are adding that in, he knows what the taxes are on that.

He also knows what IT cause for twix at the turn or a turkey sandwich. So these are things that are all very controlled, able, and he's got to play ball. And so you know, you know what IT costs to play goff beyond your membership, whatever you've got to put that in there and you guys got to come to agreement on this is what we can spend as we're having to tight up right now.

I didn't have to give up golf, but he's gonna to maybe cut back. So maybe that's rounds, maybe it's A A drink after the the round. Whatever IT is, he's just got to be disciplined with that is pretty easy to track.

He's just not wanting to do IT because he never had to. That's my take day. If I don't know what you think about that.

well, there is a difference between continuing the hobby and um you know he wants him to quit IT mean dripping and I hate golf wife language and so there is a .

difference between .

he has the right to continue as because he's the red one that's different argument then um hey you know you can't buy all the expensive of and play that's right, you know because we having a tighten up. And so we're going we can put a line item to this and we can manage if he chooses to be responsible, there's a difference between choosing to be responsible and choosing playing gov. That's right.

I mean, you be you can be responsible, not bother with IT, which is what he's doing. So I I think step one for him for you is not try to get him to quit IT IT is try to game to rein in the additional expenses, whether you're buying food or drink or what are we doing, this is there. And you know what can we do to limit that and put a number on IT that we're not going to go over.

And um that's very doable. It's very doable. So but I think there's more going on here than the golf capital letters, all exclamation points, right, is pretty much, I hate golf wifi language I saw that, you know.

no question about. And in his offence, you don't walk into the golf club with your cash envelope. A of .

course, in sono only wait to hand, but IT is track. But that doesn't mean you let's manage what you're spending and you should. So he needs to be responsible and you probably need to light up on, lighten up on the gulf hating Sarah is in detroit. Hi, Sarah. Welcome to the ramsey show.

Hi, thank you. What's up? Wow, I have that question. Are around an E I D L business that was taken out economic really long in twenty twenty for a business latisse gone under due to the pandemic. I spoke with two turkeys.

They both said, I don't own on the loan because I was personally guaranteed and IT was the name of a business that went under. But I am a Christian and i'm i'm grateful for the blood of armenia. Hello lua 点 高中 being that what seems to um say differently um so i'm going to negotiate with the S B A。 I've been given the paperwork to do that. I'm just under if you have any advice on how goat and do that, how I should go.

You don't have the money.

Well, I don't. I don't have the money for the whole long. Now .

I am.

I choose the whole long. I choose the whole twenty .

and twenty five thousand dollars.

Yeah, thirteen.

actually twenty four. okay. And you have how much? And you have how much money?

Fifteen thousand OK my emergency fun.

O K 嗯。

While there's two, two or three issues OK, from an ethics standpoint, the government gave you money for disaster relief for your business that failed and it's not got a personal guarantee and you're not liable. The government forgives that.

From an ethical standpoint, you are not doing anything wrong but just to simply accepting their forgiveness because this is not a bank loan from the bank is not gonna get tagging on this if it's got an S B A label on if the S B A is gonna ver IT. Because this is a government thing that um you know is waved in this instance. okay.

So um you know another example would be like if you have a federally insured student loan and you become permanently disabled, the terms of those loans are there forgiven. If you're disabled, you are not under an ethical Christian obligation to pay IT anyway at the term of the loan was that IT is forgiven if you're disabled. The terms of alone on this are it's not personally guaranteed because I was given to a business in the midst of A A A disaster relief situation and the therefore, they did not require personal guarantees because IT was like I was virtually a grant is what I was.

I didn't work. Obviously he did not turn your business around. So um I i'm gonna ask you to spend some time in prayer and make sure you're hearing from god, not childhood guilt, about what your Christian obligation is here. Um if you feel like if you really feel like god is telling me to pay this, then for good to sex pay IT.

Okay not really.

But if you feel that's okay, I mean, I been in those situations. I've paid stuff that you know people look at me like i'm a net for having gone back and pay that, but I just I felt like god to do IT. And at other times I don't feel any tender guilt at all I just done.

You know I mean, this is the deals, why the deal went? Sorry, good luck. And that that's that's where this one could fall. But but I never step in between someone in the holy spirit. That's a dangerous place to stand.

Yeah, I got to scheme you a little more context. I got to a point where you, I was three months to folk. I didn't feel like I did, or, you know, I don't like I.

And I got on the front of S. B. A, and I learned everything that they do and how IT was a personal guarantee.

And IT goes, my information goes to the department of treasury. After, like, they just write, S, B, A, let's go. Department of treasury gets my information. And then I started to feel like fear. And I know that's not a bd um and I talk to my family and started to get advice just another people and yeah and I actually just just I call you but will call you well.

I think you're telling me you're doing this out of a an emotional not out of a holy spirit leading I think .

that's what you just said yeah I think .

so i'm not sure but again, i'm not going stand between you and the holy spirit. If god tells you do something to do, you go do IT dave does not get a trump card on that. I don't get to lie down on that hand.

So you you gotta figure that one out. But if you're just cared, it's a government on this ticket is pretty easy for me. This is the rams show.

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Slash rami, I guess they RAM. C. R, I got a big announcement. I'm coming to a city near you live on the money and relationships tour with doctor john the loni. This is the most interactive event we've ever done. You get to the what we talk about, you do not want to miss this or becoming the level groom, atlanta, phoenix forwards and kansas city in April and may of twenty twenty five. Get your tickets and more information at raz solutions, not come slash tour.

Can common ramsey personality number one best selling author is my cohosh today in the lobby of ramsey solutions, and we invite you to drop by and watch the show any time we do the show live monday through friday from wonderful central time on the glass. And we usually have fifty, two hundred folks come by and eating some homemade chocolate chip cookies, great coffee, all on us, and they get to watch the show. In that same lobby, we put a little stage called the debt free stage, where hundreds, not thousands, of people have done debt free screams.

And that includes Matthew and jodie weather today. Hi guys. Happy .

thanksgiving.

Are you guys doing Better than we deserve? welcome. Where do you live?

We live in south bend, inDiana.

Very nice. And how much dead have you paid off?

We paid off one hundred and fifty three thousand dollars in three .

years range of income. During that time, we one hundred .

and sixty two thousand, and we ended at one hundred and ninety two thousand.

Okay, very cool. And what are for a living?

I'm a high school teacher. I teach history, economics and a little course called rec foundations and personal finance.

Love IT and I worked for .

a dental supply manufacturer and solutions company, and I oversee their service department.

Very cool, very cool. All right. So jody, how long have you've been teaching foundations in personal finance?

I've taught IT. I think i've taught IT three years, two two times a year. So yeah, now when you're .

working to get out of that journey and you haven't stand up in from the high school students, that's gotto change. The intensity is.

is I think that gives the it's a Better perspective on this is possible.

You can really do that.

I ve shared .

my story matter. You often tells me I shared too much with my stay over share. I over share.

They know everything. yeah. So I can't waited to tell him that I did my dead free screen.

Michael, watch IT. Oh yeah. Play IT and know absolutely. So where the students are, I mean, high school students are brutal sometimes. Were they encouraging or were they messing with you or what?

Very encouraging. A they're super excited about this whole process. Um they're very excited about the fact that we're gonna be debt free. I think they're very excited about their journey into adult hood in walking the path debt free as well.

So it's been an amazing thing.

T and fifty thousand is our mortgage. Yeah we're really I was in everything. Yeah yes.

the house .

is probably worth Matthew.

What do you say? Conservatively.

five. okay. yeah. Hundred, totally. We will stick with one hundred. And i'm just so I want to .

ask you about the students and in the interaction with them, the obviously, high school kids have a lot of anxiety. And how are these kids .

that you're teaching?

And yes, so that's when they're in this vice script. The cultures pull on his kids to choose a college, then choose a job and a freak. And out there just never see more anxiety than this time in history in that age group. Curious when they start to get IT your teaching in the foundation and when they start to get IT, do you see the anxiety drop as a relates to money? You just curious your take.

yeah, I think the idea that you can walk this path, that free IT IT freeze them in a way that other other paths, don't you know, when they think what? I don't necessarily have to go to that big name college and take out all this, dad, I can, I can find a different path, and I can find a career I love. Even if that doesn't mean going to college. I think IT really opens a lot of doors for them in the idea that maybe not college is an O K choice that really freeze them to do what they really wanna do and have a an amazing life that free.

So very Cindy.

some actual, real common sense coming from a world class house teacher. Well done. Very, very well done. So what got you guys? The whole thing said, we're going to knocked out our house.

yeah. Well, I think so. Really it's all, it's all math using fault .

that .

we found you, dave. And so you went to tell that part of .

them yeah I just years ago heard you on the radio, started listening and you reminded me of of the southern preach when I used to live down in tennessee and so just started listening to this guys makes a lot of sense and so ask jody um if you would know maybe read the book along with me and IT was a total money makeover is is what we got into. And we got gazelle tense. We knocked out consumer debt very, very quickly.

And then we went on autopilot for a little while with a fifteen year mortgage. And I was actually very unhappy with the work I was doing and we made the decision that um I would step away from my work. And we were pretty safe by we are fully funded emergency find and at the time economy was bombing and I also um was getting offers from head hunters every week as like this is great. And so on january thirty first, twenty twenty left my job and something happened .

with the .

entire world almost immediately. But IT really did so. You know so we just kind of live in that for a couple of months. I was obviously teaching virtually. And then we thought, okay, well, you you're not getting a new job right now.

So how can we how do we make this work? We ve gotten a really good at budgeting Matthews, a very good a budget grocery shopper. We found that out. We more spam than i'd like to commit during that time.

Mustard or no muster.

red mustard. yeah.

I grew up on in a head desk.

Good man. I started doing like grocery delivery during the pandemic. And so we were able to to pay our mortgage just with the grocery delivery that I was making, Matthew, I started delivering pizzas, and we found a way to never touch our emergency fund math.

You didn't find another job in your field until about a year. So be very twenty twenty one. You ve got a got a new job and we said may and the only thing that stressed us during the mortgage, lets get IT done.

Let's let's be done with IT. And so i'm the budget nerd. I'm the every dollar nerd. I'm the one that's on the budget all the time. And math, I started playing with the .

payoff ff calculator. I just all the time a saturday morning, i'm looking at the razi mortgage pay off calculator. And like, you know, if we threw an extra this on IT through this on IT and three years later .

looked IT out to be, it's absolutely mazing.

Yeah, the freedom that we have now to just do whatever we want to do is amazing. Yeah.

take your shoes off. Off the back you are. The grass feels different.

yes. And yeah. And IT is quite a life lesson.

You've lived in front of your students. Thank you for doing that. yes. So those of you don't know what you talking about.

We have a high school curriculum that's now been taught to almost seven million students nationwide in almost forty eight percent of the high schools. And we've got wonderful teachers and administrators and sponsors that pay for IT to go into these schools all over america. And of course, a teachers like jodie ra here and that are world class.

And we all remember teachers like joy that were the good teachers and hostel. And we all remember the teachers suck and that we're just made in IT in and we always get the good ones. They're the ones that want to teach foundations because they love the idea of taking common sense to their students and the students like the material .

they they really do. And I I have to say that the George is their favorite. They absolutely love shorge. So yes.

George.

our favorite. Yeah, how can he not be right?

Yeah, yes, they like George Better than you.

I kids are aid side. George is super cool and fun.

Yeah, I love that. Well, the good news is they actually engage. But I remember, remember taking alert. I'm going, what is this calculation? And like, unless i'm an engineer, what am I going to be using this for?

And I really i've never run the category .

in the room doesn't come up much, but I tell you what, bounce on a check book and staying out of debt, having an emergency fun to do, a budget that comes up every dead gun day. So you're teach him common sense and they know that why to go proud.

Thank you.

What are you tell people the key to getting out.

I think instance the key just being focused on and work in the plane.

Matthew and jodie house and everything in in the end, one hundred and fifty three thousand paid off in three years, counted down. Let's a deam three, two, one where.

Yeah, baby, yeah, it's done. This is the remi show.

Hey, guys, is Rachel cruise. And guess what? It's my favorite time of year.

The lights, the music, the decorations. I mean, I love at all. And as a natural spender like myself, it's really easy to over spans.

And I want to do all the things and give my family the kind of holidays theyll always remember. And at the same time, I don't want to look back at my bank account january and think of what did I do. So that's why I use the every dollar budgeting APP.

IT helps me plan for all of my spending, and that's what a budget is. Then when I have my plan in place, I don't have to worry about overspending. I am free to spend guilt free and have done doing IT plus with every dollar, you can customize your budget however you want.

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So click the link in the description if your own youtube podcast, or go to ramsey solutions outcome slice store. Reminder that this is the last segment of the show that you hear on podcast in youtube, unless you jump over to the rain network APP every day. The third segment of the show is on the ramsey network APP and a lot of other goodies and interviews and early arrivals of early releases of things are there is completely free razi network APP.

You can get IT in the APP store at, uh google play or apple, of course, and I we want to check IT out. You can ask questions there. You can organize and search by.

You can search some of the calls are coming by subject lot going on with this APP. So be sure and check this out. It's completely free.

There is no subscription. No salesmen will call 了。 There is no upgrade. There is nothing. There's just there. So check IT out range network out and that's where we will go in just a few minutes. In the meantime, let's talk to, at least in colorado spring, hi, at least how you and .

Better than .

I deserve what's up.

So i'm concur. And the day is said to, I made ninety six thousand dollars a year, have about twenty five thousand less in death, which I should be there through. I do good.

Um i'm single. I'm thank you. Um i'm single. And a the full time. Masters masters and social work.

social work, okay, good, good for you IT can .

be very good to also help people in the often um so my question is, do I need to buy a house? I can within department, do I need to buy house and is so when would I do that? And then also h since I am single, do I need to save the six months uh, of emergency and after our death ory? Or should I can I .

do this now? You need to six months. Yeah, you need the umbrella in case storms and that baby, step three, if you're going to buy a home as soon as you would do, that is what we call by step three b, which is after your emergency funds in play, you started saving for a downpayment on the house.

That's as sooner there's not a requirement in the short term that anyone buy a home. I'm a strong proponent of your owning home as a long term issue because they go up in value and you're stabilizing the most expensive line item in your budget, which is housing, if you rent for the next fifty years, you can count on one hundred percent of those years. The rent will go up. Every year, every year and you're gonna get you're .

going .

to have stress added your life from just being displaced by a landlord said they are going to sell the house or uh or they just move you out or whatever because you're not in control because you're not the owner. So your stress level goes down the line item in your budget stabilizes and IT goes up in value as to your wealth building programs. So there's a lot of great reasons to oil home, but there is no reason to rush into IT.

Yeah that's the thing i'm worried about like so i'm a veteran and um I and at first you say that the um the zero down payment is a bad idea of using the the first time buying so I shouldn't use alone no alms.

way more expensive than a conventional alone just save up a good down payment, take out a conventional fifteen years fixed where the payments know more than a fourth of your take home pay. Want sure the other shot a baby step three, if you want to buy but if you're a buch of transition time in your life, you're finishing you may move finishing a masters, you might move to pick up on the job in that field in a different area.

And you know you're kind of just enjoying being single right now and all that. That's okay. I mean, if you take if it's three, four years just before you get around to thinking about buying or five years is not the end of the world now real state Prices will go up during that time.

But um but what i'm discussing is, is a ten or a twenty year decision, not a three or a four year decision. So um you know I don't want to go buy something, just go back. We don't believe that, so take your time. You know what when is the risk of this right for you? And IT will be after a dead and have the emergency funding place before you think anything else.

Yeah i'd like that. She's got her path figured out and it's like get through the masters, get in and start helping people figure out what that new life looks like. What is you're in come going to look like she's gonna be somewhat capped yeah you know I mean and so getting I don't mind renting during that first year to just to figure out what my .

professional situation is going to look like. You i'm not a aware of that.

I don't think so either. I would not have .

sounds like you shining .

up for a pay cut. Yeah IT feels that way if i'm guessing. And i'll i'll looked in the break.

But if I was going to guess, i'd say the sixty to seventy range probably top out is what I guess. Now that depends if she's working for a local, municipality or state government. You're going to be very much capped. If you can somehow take that masters and social work and she's in the private sector, then I think you could probably make a case for that. yes.

Garrets in seattle, I care. IT.

how are you Better .

than we do? So, happy thanksgiving.

Are you thankful for your family?

Thank you.

How can we help? Ah so i'm going to be joining the air force next year. Um i'm currently on baby such to or my family is and i'm just trying to forgot the best way to kind of go about tackling our debts to really set our self up for success once I had off the officer or training and make sure that my wife and Kitty and a .

in a solid position .

to how much you right now a hundred thousand for the family.

Wow, i'd equal that a year .

with hard work.

yeah. What do you make right now?

I'm currently making about seventy two thousand years.

okay? So where we get one hundred plus living expenses in one year.

I'm sorry, I think I might.

I thought you said you wanted to be dead free for you want the air force one .

year from today on. No, sir, i'm not trying to be dead free before I go into the air force. Was trying to navigate kind of the best strategy because I we just sold our house about a year ago. So we have a good amount of money that we're sitting on.

Oh, how much you sitting .

on right now? About thirty three thousand.

okay. What is one hundred thousand in .

that at twenty five is for uh our car and then the other remaining seventy five is for student loans.

Okay, oh, sell the car so the car is the .

thirty three to pay IT all no show use thirty thirty .

the student loans and get you at ten thousand and five thousand our paid for car. You only think a car payment for one thing, if you could almost be done with a student life if you saw the car as twenty five of the one hundred and the rest of student loans, right? correct.

okay. So and IT let and you bought a five thousand or a car and you shall the twenty five thousand car and um you throw the thirty, thirty, twenty five at the seventy five, at least fifty to pay off. You could almost be dead free by the time you you take officer school. Officer school paid for.

Yeah, so officer school will be over the air force. And then after that is, when all go into my technical training and start the career?

Yeah, okay, good for you. What you gonna training for.

either cybersecurity or intelligence?

excEllent. excEllent. Thanks for your service to the country yeah I I think that more of this you have an a real view mayor, even if it's uncomfortable, Better officer schools is gonna .

yeah and that's .

what you're asking actually. And I agree with your your principle here angry.

I think this is knock out, use the baby steps the way we teach IT that snowball lean into .

IT you're renting in, you're moving anyway to go after schools. Is the house good stuff get? Thank you for the call. I puts this hour the range you in the books.

Hey.

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