Live from the headquarters of Ramsey Solutions, broadcasting to the car rental studios, it's the Dave Ramsey Show where dad is dumb. Cash is king and the pay it off home mortgage has taken the place of the BMW as the status symbol of choice. Ken Coleman Ramsey, personality host of the Ken Coleman Show and author of the number one best selling book, The Proximity Principle, is my co-host. Today here on the air, he talks about careers on his show.

He talks about finding a job on his show. He talks about making money in your passion on his show. And so we're going to talk about careers today here on the air, as well as taking your calls about your life and your money. As always, open phones at eight eight two five five two two five. That's triple eight, eight to five five to to five pages with us in Las Vegas.

Hi, Paige. How are you? I'm great, Dave, how are you? Better than I deserve. What's up? So I have some single stocks such as festered and I planned on taking half of them to pay off the rest of my student loan debt. My credit card, and then have 10K as my my nine months in my emergency fund. And so my question really is with the other half. Should I sell them or should I just leave them alone?

I don't have a retirement currently and I don't own my rental. So I take a monthly rent and I am thinking about potentially getting a home.

And so what's the what is what's the half of this or the whole either one of all the stock worth.

Yeah. So currently the hole would be twenty six thousand dollars.

So 13000 makes you debt free with an emergency fund. Yes, sir. OK, how much debt do you have? The debt is hundred in student loan debt and 19 hundred in credit card debt. OK. All right. That does do it there.

All right, so you've got your three to six months of expenses, your debt free. That's a baby. Step three, obviously.

And you make what are you currently? So with my stocks right now, I made ninety one thousand this year.

OK, and 26 of that was the stock option or stock vesting. Actually, my stocks were a little more than that, so my hourly would be about forty one thousand. Oh yeah, forty one thousand. She made 50 grand on the stock.

Oh, the 26 million. That's what you said. I'm sorry. Yes, I put it together, OK. All right. I'm back with you. Wow. Yeah. You're making you're making more on the stock than you are at your pay.

Yes. Pretty incredible. Do you think that trend will continue? I'm thinking so. So that's why I'm a little nervous to cash out all of it, and that's why I kind of wanted to pay half way. I was like, you know, I'm going to call Dave and see because I don't really know what to do with how old is this company?

Company is fine. They started it in 03, they're Silicon Valley Company. Yeah, so this.

Single stocks in general are a fairly high risk play. Correct. So I don't buy single stocks and I don't recommend people buy single stocks more than 10 percent of their net worth because they're volatile and in your case, potentially very volatile. This is obviously somehow you've gotten into some kind of Start-Up thing with the amount of stock you're getting, which is pretty incredible. So what do you do? What's your actual job? My job as a business admin, so I deal directly with my contract, OK?

I can underwrite basically I got you. That's way to describe my my job. Yeah, good.

Well, I'm so happy for your success. Well done. Very well. Thank you.

So overall, you're going to get another batch of stock next year, right?

Yeah, every quarter they've asked. And so so you really probably not going to lose much ground at all.

Cash at all out. And let's put some of it into retirement. Get your get your Roth IRA going, Shadyside, the rest of it for your down payment future down payment on the house, because I'd rather you have a house and a Polish stock. See, that's what I was thinking, too, because I was thinking the Roth IRA, because right now they're like, I have to start, I believe in social.

So signature match. Yeah. Click on Smart Investor Day, Ramsey Dotcom and get your Roth IRA going and make sure you're putting 15 percent of your income away towards retirement. And then beyond that, let's start piling the stock up as it comes in, cashing it out periodically so that because I don't want it to dive and mess up your plans.

Yeah, because that's happened in the past and it's a volatile stock.

It could go way up. It could go way down. And honestly, I don't that's why I don't play with it.

I don't like risk that much. I like things that are steady and true. And I'm not trying to get rich quick. So you're doing so good. Well, that's pretty incredible. Nice compliment.

Yes, sir. She's just going to I mean, I love that plan. Love that. I mean, she's she's going to just fast forward everything with one with one sale.

Yeah. Incredible. Absolutely. Morrises in Nashville. Hey, Morris, how are you? How you doing? Better than I deserve. How can can I help? I have an idea for an invention, but I work two, four times that, hey, I got me and my wife, we got six thousand dead and eleven thousand in the bank. I don't know the first steps that they have to bring to get Apple products made or to bring it to market.

But I think it's a good idea and I think I definitely would need a patent for I don't want to look for one ounce of back and I want to find it 100 percent free myself in the life. But I don't know where do I start. I have an idea that there would be an excellent that a lot of people think the ideas are excellent ideas. I think it would be something beneficial to everybody and I don't know where to start.

Well, the first thing you do is we need to look at the 11000 dollars that in your savings account or you just say in your checking in general, 6000 dead, 11 in the bank. Be more specific about what that is.

Yes, 611 in savings.

OK, so the first thing you want to do is want to clear that debt. Why are you not clearing that 6000 dollars today? Well, during the time my wife, she lost her job and her company went out of business and she feels very comfortable having that extra cushion. We hope to have everything paid off by mid January at the latest.

So you're already planning to you're already planning to pay off the 6000 in a month. Yes, how mid-January, how are you doing that? I want to 4000 jobs, see what's also as well. He has another job, you know, pay it off today and use that money to rebuild your savings. You're going to have 6000 dollars, pay off the six today. Then you are already planning to have six. And in mid-January, then then you just go and you walk Dave's baby steps right out.

You get that emergency fund three to six months fully funded, keep working those two jobs. And I stop telling people about your invention to start with. Let's move on to that. I'd start telling people about it. And I get this call a lot on the Ken Coleman show. And before you start thinking about patents and things of that nature, you've got to test this idea. And so we don't know what it is. You want to protect your privacy, but give you a couple steps here.

It is either a product or service, most likely a product, and let's test the product. Does it actually work? And you only cash flow one prototype to see if it actually works, test it, learn more about it, make it better, find out what all the costs are as it relates to how many you'd have to to have to manufacture. You got to cut a deal with manufactured. There's a lot of research before you ever try to make a go of it.

Keep working those two jobs, keep working the baby steps, get your family solid financially, and then work that invention as you have cash and as you have time as your side hustle. Totally side hustle. It's always the Dave Ramsey Show. Leaders, our businesses have all experienced change this year to be successful. You'll need to adapt if you're looking to grow your team. An easier way to hire is by using zip recruiter, zip recruiters. Technology finds the right people for your job and invites them to apply.

Right now, my listeners can try a recruiter for free at zip recruiter Dotcom Slash Ramsey. That's a zip recruiter dotcom slash Ramsey zip recruiter. The smartest way to hire.

If you're wondering if you should put buying or selling a home on hold until spring, remember this, it's a big financial decision and big financial decisions should happen on your timeline.

You're not trying to catch something at a certain moment in time.

You're saying what is right for you? It's on sale.

I don't care if it's on sale. You don't buy because it's you know, it's not a bargain if you didn't need it.

The same thing's true when you start buying or selling something as big as a home based on what you think the market is doing.

Stop waiting around for the stars to align.

The truth is, you can win in any market in any season when you put the right people on your team, find the top real estate agent in your market like one of our endorsed local providers, our e l p agent.

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Now is your time text house to 33 789, and you can find a trusted agent near you to help. That's house to three three seven eight nine. Gavyn is in Tampa, Florida. Hi, Gavin. Welcome to the Dave Ramsey Show. Six days. Happy Monday, guys. You, too. What's up? Nothing much. Well, I got a pretty broad question for you. So essentially, for the first time in my life, I'm at a point in my career where I can save money and actually invest beyond living paycheck to paycheck.

Good. So I said there's a broad question, but what now? Where do I even start?

OK, are you out of debt except your home? I have a car payment and it's actually pretty low, it's only 200 bucks a month and I have like 3000 in credit card debt. OK, so I've just got a little bit of a disease. OK, it sounds like it's tolerable for you, but it's not tolerable, we got to clean that up. That's the first place you invest as you clean up your debts, because the number one key to building wealth is getting control of your number one wealth building tool, which is your income.

So we're going to attack with a vengeance on the two deaths with any money you can squeeze out of your budget list, your debts, smallest to largest attack the little one pay minimums on the other one. When the little ones are gone, then you get the next one done. When those two are gone. Now, you don't have any payments anymore. Guess what? Now you've even got more money. Now we're going to take all the money we can squeeze out of the budget at that point and build a rainy day fund because the big bad wolf is out there huffing and puffing.

His name is Pandemic are his name is 2008 or his name is a job loss or his name is a car wreck. I don't know what his name is, but he's out there huffing and puffing and he'll blow your little house down if you don't build a brick house. So we want you to have an emergency fund of three to six months of expenses. Now, you don't have any debt, you got three to six months of expenses that even feels better than where you are now, right, Gavin?

Yeah, that would be about perfect. Yeah. And then we're ready to start investing. And then you would use your 401k at your office, especially if they've got a match Roth version and a good mutual funds or if you're ready to start investing at that point and you don't have a 401k click smart investor Dave Ramsey Dotcom that'll hook you up with the people we recommend. We're not in the investment business, but these are folks that do it the way we teach.

You'll choose among a list of them, the drops down, which one you think is best, and then you'll sit down with them and you can start investing. And we recommend investing in four types of mutual funds and your retirement plans, growth, growth and income, aggressive growth and international. All of that as outlined in what we call the baby steps.

And the book that we did with that as the baby steps detailed on steroids is called The Total Money Makeover. I'm going to give you one because it sounds like you're ready for one and Kelly will help you get get one of those as my Christmas gift to you. Merry Christmas. Kevin is next. Kevin's in Sacramento. Hi, Kevin. How are you? Hey, how's it going, guys, better than I deserve. What's up? So we've got a quick question.

Wife and I are on the fence about staying in California. We're thinking about moving to Austin, Texas, area. Reason is because the housing market where I'm at right now is just it's pretty crazy over here. The houses around in that area would be about half of what we would buy over here. No, know we're not unless you're in Silicon Valley. Well, I'm in Rossdale, so Sloggett little bit away, but it's. Yeah, no, it's not.

I think your houses are a lot cheaper in Austin, Texas, but they're not half but OK.

Anyway, your point is still well for what I was looking for, basically. But I'm looking at it as if there would be like more of a fresh start because we pay off all of our debt we have. Three to six months later, and we're in the process of looking into buying a home.

So, OK, why would you stay in California and why would you move to. I'll out in California and the family, but would move because I feel like it'd be easier to get a head start and kind of move forward with with my wife now. Where are you moving?

What are you moving forward to professionally? What's the dream? Armed with at least my role, I feel like I'm coming, I'm kind of topped out with what I'm doing and that I'm in it as a network engineer and if I want to make more, then I can look into a different kind of field. But from like what I can do progressing, I feel like I've kind of set myself within the field I'm in. All right.

So have you done homework? You've done homework on the housing. Have you done homework on the type of companies, the type of positions, the industries that you would like to go into? And do they exist in Austin?

This is kind of what I'm getting. Austin, Texas is like Silicon Valley 2.0.

No, no. So, you know, you've got to do some homework. I mean, this is like it's like you're hearing tabloid news. You need to really do some research before you make a move like this. Now, the good news is good on you. You guys have gotten debt free. You're into baby step four. You've got the future in front of you. But but but don't go backwards financially because you just decide, well, this place over here seems like it's got a lot of great opportunities.

We need to have a plan. Where am I going?

Why do I want to go there? How do I get there?

And that's that's where you need to be on this. I wouldn't just move for the sake of moving, but I mean, there will be some financial benefits to moving, obviously, to Texas versus California.

Austin has a tremendous tech scene.

Yeah, it's not Silicon Valley now. It's got a national Nashville's got a tremendous tech scene, but it's not Silicon Valley. Lots of town, lots of cities have good, strong presence of people in the hardware world and people in the software world. And there's several corridors around that are stronger than others. And Austin, Nashville will be among them.

Seattle would be among them for sure.

But but but to call it 2.0, as if you're somehow it's Nirvana or something and the houses are half priced, half of what they are, where you are and the streets are paved with gold to. No, none of that's true. So it's just freakin Austin, Texas. So you need to go do a little more deep dive on your research. Like Ken said, you've done a really, really good job with your money. Kevin, I'm very proud of you.

And it sounds like you're kind of done with California. And so would the last one out. Please turn off the lights.

Oh, my gosh. Is everybody leaving that state? It feels believable. It feels like it. I mean, it's I'm talking to Dallas Realtors.

I'm talking to Nashville Realtors. I'm talking to wherever. And it's like. Thirty percent of their sales are former Californians. It's crazy.

People are coming to cities like Nashville and Austin and they're buying houses unseen. They're buying them off the Internet like they go in. Course they could see what the house looks like, boom in. And here's what's happening.

You know, the house has got there. They can go outside and they don't get arrested well and actually perform their business. Now, we're seeing small businessmen and women are suffering deeply on the West Coast because they cannot go to work.

They are willing to move from a good job and move away from his family. Yeah, that's you know, and that's really what's going on there. So, yeah, if the last one out just turns off the lights, let us know.

OK, so yeah, I think you need to get on a plane and go to Austin, do some interviews and I think you need to look at some actual houses with a real estate agent. Clicky Yelp at Dave Ramsey Dotcom, one of our indorse local providers can start to inform you in Austin how great a city it is. It is a great city. I wasn't running it down, but it's not Nirvana and you know, it's not heaven. And so there's a great tech scene there, obviously, but it is not the only tech corridor in America where you could possibly make a great living.

There's a lot of them. And so you need to start learning the market, learn the real estate market, learn the job market. And then based on all that knowledge, you'll make a much better decision rather than just out of your frustration with the state of California. This is the Dave Ramsey Show. Ken Goldman, Ramsey personality is my co-host today. You're on the air. This is The Dave Ramsey Show. As we answer your questions about your career, about your money and about your life.

Open phones, a triple eight eight two five five two two five in the lobby of Ramsey Solutions on the debt free stage. Thomas and shareowner weather. Hey, guys.

How are you? Are you Dave? Hi. Can I come? So good to have you guys.

You live south of Boston. Well, yes. A bit of a trek to Nashville and. Yes, well, welcome to town.

Thanksgiving been all the way down south here to do a debt free scream.

We're excited to be here. And how much have you paid off? Well, we paid off in a year, 24 thousand six hundred eleven dollars and 62 cents. And then we also cash flowed 17000, a little over 70000 dollars into our wonderful antique home. Oh, during that time. Wonderful. And then in the meantime, we've had a little change. I'll update. So they said I could tell you that we actually sold our house and will and we have a cash deal.

And so we're passing at the end of the month. So it'll be that total would be like 460000.

What, the end of this month? There's a step. So now that you're homeless, where are you going live?

Right in the area. We're going to rent, right. Until we decide, you know, what's our next step? OK, why don't you sell it? Well, it's an antique house. It's 108, what, 62 years old.

So a lot of work all the time to work here constantly.

Yeah, unfortunately, something to work out. Roofs, chimneys, water heaters, boilers, everything. Everything was going ever done.

Murphy's showed up at the door. Yeah. Yeah, constantly. It's a money pit.

They're beautiful. Oh, beautiful. Historic properties. But they are they just eat money and are a lot of work. It's crazy.

You got to really love them. Love. Yeah. So you made some serious money. Good way to go. I'm proud of you. Thank you. Thank you. Thank you. So tell us what happened.

It put you guys on this journey. Well, I have to come clean back. We lived in Charlotte, North Carolina back in 2005 and we took FPU back then. And guess what?

We flunked twice. We may even give a green flag. Oh yeah, we did it, Davidge. We cut up some cards, but we never were gazal intense. And I think not being on the same page was huge. And then we moved back to the Boston area and it's like you're starting over. So we rented for several years. We knew we didn't go. We weren't we didn't have credit cards for a long time. But then you kind of lose focus.

And I got one credit card and then but I had good credit and somehow I ended up with family. And I know you talk about this, purchased this antique home with family and within a short period of time, unfortunately, it didn't work out. Yeah. So we ended up with the whole payment, all the repairs. So Murphy was showing up at the door and I had a broken heart and we were broke and we almost walked away and we just said, we can't do this.

But I just I took your book out. I started listening to you on the radio every single day, and I said, we are going to give this everything we've got, because if we don't, we'll never feel good about ourselves. So I just did exactly what you said.

You carry it around. I don't, because we almost did a short sale. Yeah. And because we could sell it at the time. Let's not let's see what we can do. Let's just and it was that motivation. But, you know, because I've heard you talk about mixing family and money, I didn't feel so bad afterwards. It it's unusual to go into that kind of deal and not have some things go wrong. Yeah. And you love your family too much to do that.

So so hopefully this chapter is going to be closed at the end of this month and we can put that behind us.

Who what's your household income. Oh, we started at ninety or up to about 110.

OK, what do you do for a living. You go. I am a senior surety bond assistant underwriter.

OK, and I have a manager for your CPD store. OK, great. All right. So. There are something. Bone grading and deep like fingernails down a chalkboard on your spirit about what you all went through. I can see it in your face. I can see you avoiding the tears and that that the broken heart of the family pardoner going bad, the relationship being frayed, and they pile a bunch of bills on you in the process. So it's like a triple storm storm with everything that can go wrong does.

And that is such a horrible thing. And yet that's the thing that lets you on fire.

Yeah, I just I just said never ever again. I just I want to put this behind me and you're thinking you have all this time in your life to get it done and you think you're doing the right things and making the right decisions. But all sudden you're like, I have nothing in retirement. I how am I going to retire? So you want to retire with dignity. And you you say that adults devise a plan and follow it. Children do what feels good.

And and we just did what felt good. And we became adults this last year and a half.

I wanted to ask you, you're talking about your first time when you said you failed FPU, you you said it was because you were on the same page. I'm not asking this question to put anybody out, but I think this is a wonderful, wonderful example for some couples that are listening that may not be on the same page when this happened this time around, what actually changed? How did you guys practically get on the same page?

What it look like? We hired a financial adviser that he was terrific.

I think the point being that we were thinking, I'm 73 years old and retirement is right around the corner for me. Mm hmm. So we had we started looking ahead and saying we have to do something at Sharon, grabbed a hold of it and that's what we went. She got the financial advisor. Mm hmm.

That rakic he's right here somewhere. He was so I mean, really, I went on your site and looked up financial advisors. I interviewed four different ones. He had done his debt free scream here. Oh, wow. And he you know, he's doing it full time now. So we just paid that money. And every month we met with him and he was the one I came to the second meeting by myself. He said, Where's your husband?

I'm like, oh, he's home. No, no, no, you do this together or it won't work.

So for us, having that accountability person and every dollar app and having him help me with every dollar app, it just was crucial for us to have that accountability.

And he was so instrumental because not only did he guide us financially, he helped us emotionally through this whole thing. And spiritually, he's well, it's all gone for three days.

He's an incredible young. Yeah, he's very cool. Yeah, very cool. Well, I'm honored that we endorse him then.

Yes, yes, yes. He's doing what he's supposed to do. Yeah. Was so proud of you guys.

How do you feel free at the end of the month. I'll feel even better.

Yeah, I'll get you. Housecats close a big touchdown. Super Bowl one. Oh yeah. Clock's ticking down. Yeah. Wow. Yeah. I'm so proud of y'all. Thank you. Well done. Well it really I just want to say thank you so much. I can't even tell you how many days I would be so down and you would come on and talk about family issues or you'd say you quote Scripture about no discipline is pleasant at the time, but it produces so much on the other side.

If you just stick with it first time in our lives that we just did it together and and plow through and never you just never you know, that time when you say you'll never go back. Yeah. To Dad.

And I just wanted to say, like I told you, we started this one. I was almost 72. Mm hmm. And we finished just before I turned 73. We did about twelve. Yeah.

And so if people are out there listening, it is like, hey, man, yeah, I'm teaching the class, so. Oh, thank you. Yeah. Financial peace coordinator. Oh, you'll be great once. And I also know you're not gonna put up with me by doing Ayesh.

Yeah. Now the whip out. OK, Josh. Yeah.

I also learned budget is not a four letter word. Yeah. Yeah, yeah it's not. You're right. It's so great. I'm so proud of you guys. We got a copy of Chris Hoggins book for you every day. Millionaires' that is your next chapter for sure. I can see it in your future. I'm so proud of you. Thank you. All right, Thomas. And from Boston, Mass. 25000 paid off in twelve months, but that's just a piece of the story.

Seventeen cash flowed and now they got the household going to be 100 percent debt free at the end of the month, make it 90 to 110, counted down zero debt free, scream three to one with debt free.

Yeah. Oh, man, that's inspiring. It's always fun to watch the likeness. Yeah, they're so light and feel it. Yeah, they're free. That's so cool. So good. This is the Dave Ramsey Show. Our scripture, the day Proverbs 25 to it is the glory of God to conceal things, but the glory of kings is to search things out. Marcel Proust said the real voyage of discovery consists not in seeking new landscapes, but in having new eyes.

Ken Coleman Ramsey personality as my co-host today opened phones at eight eight two five five two two five.

Mandy is in Savannah, Georgia. Hi, Mandy. Welcome to The Dave Ramsey Show.

Hi. Thank you for taking my call. Sure. What's up? So my husband and I are on baby step two and he has had the opportunity to come up to join the Army National Guard and they are telling him that he will have a twenty thousand dollar enlistment bonus. Mm hmm. And it's a six year commitment. And they will also do over a three year period, they'll pay off his student loan debt insert. So we were just kind of weighing our options.

Is this a good choice for us? We have about fifty thousand dollars left in our debt snowball. Mm hmm. And we didn't want to make a rash decision and sign him up for something for six years. But it also seems like it could be got opening a door for us to really, you know, make a step forward in our finances.

And so we just wanted to get some feedback on the benefits package with the National Guard is excellent.

We endorse them. We tell people to do the National Guard, the 20000 or sign up and the third's forgiven over three years is pretty amazing. All of that is wonderful.

But just like anything else, if it's not something he's called to, is going to be miserable. And so you never want to you never want to do something just for money and truthfully, the better people around the National Guard will tell you not to do this unless you feel called to do it. Don't do it just for the money. Do it because it's what you're called to.

And, oh, there's some great money.

Yes, he's currently a firefighter and has always said that his big regret is not going to the military when he had the opportunity when he was younger. OK, so I think I think it would lend that. I think the other part of our problem is that he would be gone for six months ish for training. And we have a blended family with five kids. So we're thinking of short term sacrifice of six months for this long term gain. And something that he's wanted to do might be a good idea.

But again, we didn't want to make a wrong decision.

Yeah, well, I think the only way you sign up for the adventure, that's going to be years manticores. I mean, he's got training.

You got boot camp, right? Right. Holy crap. And so, I mean, everybody on this in the story has got to be signed up. Kids, all the kids. Goodness. So he has a five year old and a six year old. I have a seven year old, eight year old and 13 year old, and you got custody of all of them. No, I have 50/50 custody, a great relationship with my ex-husband, so they go back and forth and then we have his about seven or twenty five percent of the time.

OK, would you have them more during the six months?

Would you take them some of the time? We're hoping so his ex-wife will agree to that, but that's our big concern, too, is that they don't see him very often. So I think another six months away. Again, it's short term, yeah, I mean, on their end, what they really gone for us to give them a better life in the future.

Well, and yeah. And for their dad to live out his calling. So I don't know, Ken.

Yeah. I think that the five and six year old six months time for them. It's like a time warp. They don't know. And I think they're young enough. It's the right age to do this. They really they don't have a clue whether it's six months or six minutes. So I think you do it and it's going to be hard on his heart. Could be hard on your heart, obviously, you all being separated. But Dave's absolutely right.

If both of you are in agreement that this is the right move for the big picture, purpose and money, I like it. I think it's a good move. I do it. Yeah.

Lots of families commit to something like this. But the thing is this.

If you hate the idea of managing these kids for six months and you're not, you know, you're you're less than enthused about it, then it's going to make the whole process miserable. If he if he's not called to the military, it's going to make the whole process miserable. And so and, you know, I assume the fire fire department that he's with will allow him to have the six months to do his training and so forth. So, you know, but it sounds like everyone has signed up here.

And when I asked about the kids ages, are they signed up? They he's cancer. I mean, they're more resilient and they're less sensitive than we think they are. They survive a lot of stuff. They're pretty malleable. But, you know, like when our kids were that age, I'm trying to think of.

Yeah, I had a. Yeah, I mean, were you traveling a lot one day I was just thinking, like the first book tour, I was gone six weeks. Yeah. And, you know, Daniel would have been in that age group. Yeah. And so they would have been pretty young. And so Sharon had to be signed up to to saddle a bunch of young kids in order for us to hit the goal of getting the first book out there.

And you know, it's on the book on The New York Times. The first time I go out on a book tour, but was six weeks. I did have a break in the middle of it. But but I mean and I did that three times. And one time I was gone 40 days. But with Total Money Makeover, it was the most intense one. But but in each case, what we did was we signed everybody up for the trip.

It's like, OK, here's what we're doing. I'm going to pay a price here. And then the blessings that are going to come financially. You know, when I get home, we're going to Disney World, you know, and, you know, there's there's a carrot at the end of the stick. Yeah. Kind of a thing.

And but but. If everyone involved is decided, they're all going to be miserable while you're doing this, then everybody's going to be miserable. Yeah, you know, so that's the trick. And I think it sounds like they're all on board there. Yeah. And I.

I don't see and you get 20000 bucks and you get a third of your student loans forgiven for three years.

So boom, that's going to help them. They're going to be debt free. The kids are going to be fine.

This comes down to you, comes down the humor and it comes down to him and he's want to surf. He's going to do it.

It's a no brainer. The kids at the five and six year old, they just want goldfish and they watch their favorite program. They're going to be fine. They don't even know.

Do not sweat the five and six year old when you and I are not like nurturing dads, are we? We're not we're not soft. I just have been through it and I know that.

And here's the other thing. Now I'm on the other side where the 15 year old doesn't even want to be in the same room with me. I mean, we think our kids need us so much. No, they really don't. They don't want to be around us. And that's part of it. I'm learning to grasp that. But it's OK. It's going to be all right.

So, you know, it's all that. Ashton is with us in Jacksonville, Florida. Hey, Ashton, what's up? Hey, guys, thanks for taking my call. So we are a single income family, my wife stays at home with the kids and I have a full time job, but I also have a side company that I started. So basically, my question is customers ask me all the time, should they make out the payment to me or my company?

So I usually say my name, you know, so it's cash and I can put it in my savings account and it be tax free, whatever. Should I be putting anything into my company? Because I kind of want to build that, too. So it's ready to take on bigger jobs. And, you know, I can that will be my full time job one day. I'm just not sure what to do at the moment.

We have a federal law in the United States of America that you pay taxes on your income. Yes. OK, so it's not tax free income. Well, it doesn't matter whose name it. Yeah, if you want to lie and cheat on your taxes, I can't really help you. But if you want to play, if you want to pay your bills, you would pay taxes on it, regardless of whose name the check was written to. Right, I gotcha.

So I have a business account, and that's why I asked, so I have obviously a personal account and then also a business account. Should I be putting any money into my business account and let that grow?

I would put it all into your business account. I would pay the business expenses out of the business account if you need to leave some there to pay your taxes or leave some there to pay your for future growth, that's fine.

And let the rest of it flow through to help you with the household. The whole reason of having the businesses to prosper, the household. Absolutely, yeah, because I'm in construction, so it's relatively spotty, you know, depending on whether the side house is nice, it's usually at least three jobs a month and I can kind of pinned on my yeah, it's working hours. I can depend on my regular job for the bills and stuff. And then this is just to help keep saving.

But I want to be able to take the next step and take on bigger jobs.

And when companies come and make sure all of your materials and all of your tools are purchased out of the business account so that they can be expensed because that's where you are.

I love the hustle, Matt, but we don't want to save all this money and then not be able to use it because we're in jail.

Pay your taxes. The IRS frowns on that. Others that. Oh, James Shields, good job today.

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