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Live from the headquarters of Ramsey Solutions, broadcasting from the Dallas Rental Studio, this is the Dave Ramsey Show, where America hangs out to have a conversation about your life and your money. My name is Anthony O'Neal, co-host with The Birthday Lady today, the one and only Christy. Right. Happy birthday. This is a fun way to spend it. Get to hang out with you. Be on the show. This is awesome, man.

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This is awesome. You know, and she's not really excited to spend it with me. You guys, her husband and her baby is in the lobby and surprise today. So that's why she's really happy. I was a fun surprise. I didn't know they were coming. It really was.

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But we're going to be taking your questions about money and about life and especially about ladies, y'all. I'm telling you right now, Chrissy, right. Has the answers wherever you are, especially your young lady. And even if you're a young man, you want to understand your wife, your future spouse. Better give Christie a call. Don't call me. Give Christie a call. Jubilate 8255 two to five, triple eight, eight to five five two two five.

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Kelly is there and she's ready to take your phone calls and we'll get you through. We've got a couple of eyes open right now. So, again, triple eight, 8255, 225000. Christie, what's new in your world? I mean, today is a birthday, but how are things going for you and your brand and what's what's what's new?

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You know, it's fun because last week we got to pour into some business leaders. You were there with the honorary leadership summit event. But one of the things that I think has been really fun is to see how the market is responding to this expansion we've done from the business boutique podcast turning into the Christie Right show. You know how this is, Anthony, because you've put a lot of new stuff out there in the last couple of years. You've got an idea, you dream it, you plan it, you work on it, you hope, you pray all the things, but you don't know till you put it out there how it's going to connect or how it's going to be received.

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So it's been really cool to see the feedback from people listening to the new Christie Wright Show. And now it's weekly instead of bi weekly. And so it's just been really affirming and really exciting to know that this is we're on the right track. This is the path God has called us to, and it's helping people and and it's just the beginning. So it's been really fun.

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And your shows are just zoom zoom in. I mean, I see the views.

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You know, I look at other personalities, make sure I'm supporting and and seeing how we're all trying to keep up with this is not about me. It's not about me. But Chris, you're killing it. So where can they find you on YouTube for your show? Yeah.

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So it's official. Christie, right. And same on Facebook and then Instagram. Is Christie be right. And yeah, it's really just one of the things that we've tried to say is I've been helping women for years create a business they love. And what I've learned is they don't want just a business they love. They want to create a life they love. And so we're trying to help them do just that. So it's been fun. Listen, I hate to saying that.

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You're welcome. 8255 225. Christie, right, is in a building today with me. And we're going to talk about your life, your money. And ladies, give us a call. I'm telling you right now she has the answers. She can help you out. Chris, let's go ahead and go to the phone. Let's do it. Let's talk to Jaden out in Norfolk, Norfolk. How can we help you, Jaden?

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Hey, what's up, Christie? Hey, how's it going? Good. So I've been dating this girl for about five and a half years. We were high school sweethearts and she has a car now that her parents bought it for college. But she wants to sell it and get it more expensive, like it's on a car through her dad, like your dad's going to buy it and then she's going to make the payments to her dad and her argument, you know, and I'm against it because you don't want to be in debt.

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I not I guess I shouldn't say I don't want her to be in debt, but we're not married or nothing. And she says, well, it's not your money. It's my money isn't your issue. So I was wondering what you guys think about that.

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Well, I'll jump in for my just my gut response here tonight, and then I'm curious what Anthony has to say from the financial perspective. But I'll tell you, two things can be true. It is true that you're not married and you don't have a say in how she spends her money. That's true. And the other thing that's also true is you're spending five and a half years, either you're heading towards marriage or you're not. And so you have a say in her life as someone that she potentially might be wanting to spend her life with or whatever you guys have talked about.

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So there's an element of there should be a mutual respect enough to say, hey, let's get on the same page with how we value money, handle money, create this foundation for the future.

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Assuming there's a future in Lasha, just you know, this is going this is a dead end here. So I think two things to be true, you know, so two things can be true. I think it's important to build a foundation of being on the same page with how you handle money, how you view debt and figure it out now, you know, before you get married, before you get engaged. But at the same time, technically, she's right.

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You don't have a say. But I think I think she should have enough respect for you and you for her to lean into this conflict and get on the same page financially with any decisions that you're making because you want a future together. Anthony, you know, you hop in. You hear this a lot, man.

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Well, wait, I don't. Is this a lot of people not be on the same page, people, I mean, yeah, you're right. We hear that all the time, whether you're married or not. Yes.

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Yes, absolutely. Absolutely. Because my people know I don't come to me with this stuff anyway. Jane, you said something. Christie said that a dead end. You said you don't think so. So you feel as if there is still a future with this young lady, correct?

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Yeah, I just I mean, the only reason we're not married is I mean, I'm only twenty and I don't. I want to propose.

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Yeah, yeah, yeah, yeah, yeah. That's why.

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Yeah. I mean, yeah, yeah. Don't don't rush. So you saying 20 percent means you were what 15. She was 14 and you've been dating that long. So yeah.

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Here's the thing. Here's the thing Jada, because you're young so I'm let you slide. I won't be as me, I'll be the good guy today. I'm going to be like Christie. I think you all just need to have the conversation, you know, just really just sit down and say, hey, Bay, this this is where I'm trying to go in life. And, you know, I date for the purpose of marriage. I see us as a great potential of getting married.

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But I want to be debt free. You know, I want to build a legacy for my kids. I want to help you start a business. But the things that you're doing now could delay that. If we do get into marriage, I'm not going to tell you what to do with your money. I'm not going to get into your business because you're right, it's none of my business. But I do want to tell you that I care for you.

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I love you, I respect you and honor you. And because I do love and care for you, here are my thoughts from there. Now you can take it or leave it there from there. Christi, this is my only thing.

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Let's have it. If she keeps that up, then she's sending you a message of who she is and what you will deal with in the future.

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Yeah, and so and I don't want to tell someone to break up with someone because they're in debt. But what I'm saying is, if you are the kind of guy that you do not want to be dead and she's saying, I love this lifestyle, then that's a serious conversation to have that maybe you need to back off.

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You know what I'm more concerned about than even the money or the debt part of it. Anthony, it's the lack of respect that she it's my money. You don't get a say that posture is concerning. So I would even say let's just keep money out of it for a half a second and let's get to the deeper root here and say, look, you know, I care about you. I love you. We've been together X amount of years and I want a future with you.

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It concerns me that you don't have enough respect for me and our relationship and the future that you'd be bringing this debt into. By the way, that would be our money and our debt in the future at some point. The lack of respect is the bigger concern to me. So I would I would have a conversation about how you guys respect each other and show respect and show love. And then, oh, by the way, let's figure out the debt piece of it as well.

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But but if you don't if you don't respect each other, that's a major problem. That's a huge problem, especially for a man. Can we crave respect? So if I don't feel respected by my woman or my wife or we got a problem. Yeah, let's listen to her by saying, oh, yeah, this is the Dave Ramsey Show. We'll be right back. One of the questions I get all the time is which life insurance company should I use for my term life policy?

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Look, it can be a tough decision when there are hundreds of plans out there with rates all over the place and rip off riders. That's why the only company I use and have recommended for over 20 years is Zander Insurance. They're a broker, which means that they shop only the top plans from reputable companies that I recommend. Call them at 800 three, five, six, 42, 82, or visit Zander Dotcom for instant online quotes. Going out to Great Falls would have a conversation with Ty.

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Ty, how can a Christie rider myself help? I guess? Are you doing all right? What's going on? So my question, a quick story. I currently work for a construction company, and the the job that I'm working on is a couple hours away or three hours away from where I currently actually live. And I'm fixing to get married next week. And my future wife is going to be moving there to finish to where I live, to where I currently actually haven't addressed to to finish nursing school.

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And I'm trying to figure out how to approach my boss about compensation for drive time and, you know, vehicle where all that kind of stuff for getting back to the want to get back every weekend to see her and to. Yeah. So just trying to figure out how to approach that subject with my boss. I've only been working here for just over a year, so I'm just trying to get that figured out.

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What do you do time. What's your role?

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I'm a project engineer, so I'm part of the management team for the project. And it's a big part of your project that I'm currently on right now.

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OK, I got some more questions about this whole scenario. So when this project launched and they put you on this project, how was that agreement set up? Was it expected that you would move to this place three hours away for the duration of this project for the one or two years, or how was it discussed?

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Well, initially it was intended to be on another project in the same city, but then they needed my help on this, the second project that we have in the same city. And so I switched over to that project. And, you know, and I've talked about it with with my fiancee about doing this for now because it's a great job and allow us to pay cash for the rest of our school. It's just that this is a it's kind of a financial hit, taking all of the gas money and the vehicle maintenance or that kind of stuff out of the six hours of driving every weekend and everything.

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So I'm sure the reason I'm asking about how it was set up and I want to go back to that again, whether it was the first project or the second project, whichever project. I just want to understand what you agreed to, because if the project was set up such that you agreed and said, I'm going to take this project understanding that you wouldn't be compensated for the mileage and the timeline and you've chosen because they expect you to live in the city temporarily for a year to two years and you've chosen to drive back for your fiancee, which makes sense.

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But it was more your choice to come back when they expected you to stay there, then that's a different conversation with your boss. So I'm just trying to understand how this was set up.

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Yeah. So the first project was initially planned as a parent, I was told that be here till October. OK, so the beginning of October.

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OK, so you agree to that now? It's looking like one to two years. Yes.

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OK, OK, cool. Well I think, I think it's two pieces to this. And Anthony, you jump in this too. I'll tell you, one of the most common mistakes I see people make when they are asking for a raise or negotiating salary is they talk about what they need. I need this I have this many kids I need, I need. And the employer in many instances is not as concerned with that. They're concerned with the results.

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They're concerned with the value you bring to the role that you provide in this project or this position. And there's going there's going to be a range. So we can't ask for something outside of the range. So so when you talk about this with your boss, I want you to talk about results value while you are pivotal to this project, you need to be on this project because here's what you're involved in. Here's the results you're getting for them.

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And you can talk about the expense. Hey, this was an unexpected expense that we didn't agree on from the get go. I want to be on this project, but I want us to come together on compensating me for the cost I'm incurring, whether it's on my car or mileage or however you want to phrase it. But you can talk about the expense of the job that was a part of the initial agreement. Without talking about what? I just need more money because we eat out a lot and people make that mistake.

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They don't talk about the results. They talk about what they need. But you can talk about it in a way that that works. Works.

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Yeah, yeah, I totally agree. I mean, I definitely listen to Chris's advice there and we're praying for you. Thank you so much for calling in. Going out to Indianapolis. We have a conversation with Alex. Alex, how can Christie and I hope. Hello, I'm Alex, 19 years old. So I just got out of high school two years ago this year, I got an auto loan. I have no other debt. Thirty thousand dollars on my truck.

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Well, Alex, Alex, Alex.

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You say you're 19 years old. Yeah, with 30000 dollars on your truck. Yeah, and I make fifty five K right now. I was going to my question was, if I pay twenty two hundred dollars a month on my truck they'd be paid off by August of twenty one next year, which I mean. Twenty nineteen Chevy Silverado. Why do you why do you need that that much of a car for you at night? Well, I had a the first truck I bought when I was 17, it was like six thousand dollars.

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I blew up on the road and then the next one, my next one, my whole transmission went out and then my engine went out. So I just went and got this. I figured it'd be worth the money the last 10, 15 years. Hmm, too much of a karma, it's just too much of a day for you, Alex, and this is beyond it. You're 19 years old. You're driving a better car to my own father, and he's 60 years old.

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You know, and so here's my suggestion to you, and you're not going to like it and Chris, you could climb into and Alex, I want to commend you on this Monday night team making 55000 dollars a year. It's absolutely amazing. And one of the key things that I'm always teaching young people is to be a good steward and to get ahead of the game and don't fall into the trap of the norm. It is normal for people with decent salaries to go out there and get a car payment.

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I want you to be on the opposite side, have your salary, keep your money. And what I want you to do is honestly sell the car, sell the truck and go get you a cash truck. You're making fifty five thousand dollars. Are you living at home? You got your own place. I'm pretty sure you got your own place right now. Right? No one was living with my parents until I get my truck, until I plan to get my truck bill out, my other question was I was hoping to build a build a house or get a house in the next year.

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After all my debts paid off, which is only my truck, I have no debt.

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Yeah, you do that where you go. You do that a lot faster, Alex, if you do, you know, sell the truck. So because I hear here's what I like about you, Alex. The fact that you're 19 years old and making 55 and calling the Dave Ramsey Show to ask the question because you want to do the right thing. A lot of people call and Anthony, they're asking the question, but they actually don't want to do the right here in your voice that you do.

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And so I'm so I'm so impressed. But, yeah, just like Anthony said, if you pay if you sell that truck, you're going to get to that home goal a lot faster.

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Yeah. Alex, I want you to say I want you to hold on the phone. I have a Kelly send you a copy of Dave Ramsey's Total Money Makeover, where they want you to read that, because what I want to do is help get you ahead of the game so you don't fall into the trap because I it's not often we meet a 19 year old who's about to be 20 making that kind of money.

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And so what I really, really, really want you to hear me say this.

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Sell the car, go buy you a nice 10, 15000 dollar truck, stack up your emergency fund, start stacking up money, go towards a house. Could you say that's something that you want to do? Then when you get into your house, when you have some equity, when you have you know, when you're a homeowner, then go buy you a real nice car. But pay for a cash.

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Do not live paycheck to paycheck because you want to look good. I mean, 55000 dollars, you job to 30000 on the car. My goodness. That's just not.

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But I mean, if you if you're if you were going to the way he asked the question if he was going to put twenty two hundred dollars a month towards this car payment, hypothetically, if you've got that margin to put towards something, put it towards this cash truck, put it towards your emergency fund, put it towards the house, it's going to go a lot further than going towards the interest of this car payment. So, man, I'm excited about what you can do if you do this.

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And as a sharp young man, I mean, the fact that he called and asked that question, I commend him.

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But people hear me clearly. You do not want to spend five, six, maybe have car loans now is going to be taking, you know, just Tacuba, you going to be all right. Coming up next, we got a debt free scream right here live Wednesday. So, Chris, you write it myself. I can't wait to see. Finding the right pair of sunglasses on a budget is difficult. They're either too expensive or they don't hold up.

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But recently I got a great pair of sunglasses from Shady Raise, shady raise offers, premium affordable sunglasses. And right now you can try Chadi raise risk free for 30 days with a 20 dollar off discount. That means you can get polarized sunglasses starting at just twenty eight dollars when you use the promo code. Dave at Shady Raves Dotcom. In the lobby of ranty, solutions only get free state, which drew him, Miranda are with us. Hey you guys, how are you doing?

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Hey, Helen, go. Oh my goodness me. A young couple.

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I like your shoes to his or mine. I mean, I like both of yours. I really like yours. I mean, nice and glitter for these beautiful stage. Right. Bye. It's good. So tell us, where are you from?

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Houston, Texas. Houston, Texas. Is it hot or cold out there right now?

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It's pretty hot. It's very hard to Nashville. Yeah, it's pretty. Pretty hot. Yeah. OK, all right.

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All right. So you guys are here to celebrate. So go ahead and let's start this process. How much debt did you all pay off?

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Eighty nine thousand two hundred and twenty three dollars.

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Nice. 89000. That's amazing. As big eighty nine thousand dollars. And how long did it take you to pay it off? 24 months. 24 months. Sir, if my if my math is correct, that's two years.

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It is. Yeah. Yeah.

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In the range of income during that time we started at one thirty and then some extra jobs and raises later. We're north of 150 coal.

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Yeah. Congratulations. That's awesome. What do you do for a living. I'm a project manager for a real estate developer and I went from property management to commercial brokerage and now I'm an coworking.

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Oh, awesome. So, Chris, I got to ask this question. You can ask me some more questions. I want to lead on this because, you know, I could talk all day long. What kind of debt was it?

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Is that me? Yeah.

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So our phones, a little bit of credit card. We had a loan on a bunk bed and lots of student loans, let alone on bunk beds.

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We had a we yes, we we took a loan out on our bunk bed.

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So that was a mistake. It was a big mistake to finance anything. I tell you what. Right. Yeah, it's. And then student loans. Was that the bulk of it.

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Oh yes. How much would a student loans. So you had fifty and I had twenty. Yes. Seventy seventy thousand of it, man, so what happened that got you all on this journey? So, you know, we have 89000, nearly 300 dollars in debt. What was that thing is said. All right, enough is enough. I'm tired and I'm ready to attack it.

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I think for me, I went through a Bible study with some of my coworkers and the Ron Blue God owns it all, OK? At that same time, he was commuting a lot to work. And so he got into the Dave Ramsey podcast. Wow. And he has a lot more to say about the podcast, because that's his bread and butter right there. He loves listening to it. So I was a fun little piece, baby.

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And so my parents were coordinators and so I had recalled some of the lessons, or at least I knew Dave Ramsey had something to say about money.

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And so we about a year after we got married, we were still trying to figure out how to do the whole money together thing. And I was commuting. And so I stumbled across podcasts and started doing three hours a day on the podcast. And and she had at around the same time, was doing this study on stewardship. So we had to start having hard conversations about what's our legacy going to be, how are we going to handle school for the kids?

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How are we going to do retirement? What do we want to communicate to our kids about values, morality and discipline? And and so basically, we bought the program hook, line and sinker. And then 18 months after we got married, we started the we started the baby steps.

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OK, take me back really quickly to those early conversations, because I think there are a lot of people listening right now that are scared to have them. They are married, they love their spouse and they want a great future. But it's just that that awkwardness, the fear that everything that is wrapped that a lot of times keeps us from having that conversation. So go back to some of those early ones and talk to us about what was it like, how did you approach it kind of helps some people that might be in those shoes right now, today listening.

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Yeah, I would say it it takes a lot of communication. I think when you go into a marriage, any kind of hard conversation is is going to be awkward and it's going to take some time to kind of have those conversations. But having them open and being honest and knowing that your partner is listening to you and understanding you is is important. And he gave me so much grace through all of it. And for me, it was it was just open conversation from the get go.

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So both of our families have a history of coming from broken families.

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And so we're and actually this is our your second marriage. My first marriage, longest marriage ever had, which is good know.

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But so we came into a relationship highly sensitive to what are the landmines would be for our relationship. So we came in eyes wide open. Let's identify the things that are going to be the most dangerous to succeeding and let's go kill them. And finances was one of the big ones. Absolutely.

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So I got to ask you this question and then we're going to let you celebrate. You guys celebrate real big. This is a huge accomplishment. Did people think you all were crazy when you started this journey? Well, what were people saying about you, too? And I'm pretty sure you all had to say no to some things or did was everyone your biggest cheerleader?

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I would say that I know you just showed a picture. The people right here in this room are our biggest cheerleaders, and we are so proud that they could be here today.

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And who are these people? These are our parents and our kids and my sister in law. So and there's there's a handful more that we're supporters. And along the way, we had some detractors.

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So I work in construction. And so everyone's got a truck. And for the last six months, I've been driving around in a 2012 Camry. And actually our car story is is pretty rough. My truck ended up having electrical issues. We had to sell it. Then her parents graciously flosses her old Tahoe. And then the week I had it in town, I got in a wreck, 35 mile an hour rear end. And so then that thing was kaput.

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The transmission went out. We sold that took the insurance money and our cash flow, bought out our model for cash. And then two weeks before we were supposed to pay our last payment off, I took an unprotected left and got t boned. And so we had a we had a choice to make. And it's like, do we say screw it and go get a car note, pay everything off or delay or delay our payment? And so we decide to bite.

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The bullet went ahead and paid everything off, carpooled. Uber tried to make it happen. And then we were telling our story on Christmas and some buddies of mine from high school came and said, we're so inspired by your story. We have this car we don't use. We want you to use it for the next six months.

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Why you say that by. Yeah, that's amazing. That is well done, guys. Well done. I mean, the story to get you here is incredible.

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Yeah, well, we have a copy of Chris Holden's book book for you every day, Millionaires', because clearly that's the next chapter in your life, building wealth and passing a legacy. And speaking of legacy, you have your son and daughter, Nico and Piper here. Yes, they do. Oh, my goodness, look at them. They're the cutest. Yes. Oh, I absolutely love it. Well, are they ready?

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We are they a countdown? Are you ready? He smells like I'm ready to yelinek.

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Are you all right? You guys drew him. Miranda from Houston, Texas, eighty nine thousand three hundred dollars paid off within twenty four months, making one hundred and fifty thousand dollars. Let's hear a debt free scream.

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All right. Yeah. All right. Three to one.

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Where does. Oh, man, you know, I that is fun. That is amazing. It never gets old. Yeah, Kristie. I mean, I think for me, the best part of that scene, those two kids. Yes. Young. Yes. And their future is different because of what their parents decided to do when they were little kids.

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Yeah, and it's not an easy road, depending on how much debt you have and how long it takes you to pay it off. Drew just gave us a tiny snapshot of some of the things he went through with the truck in the car. And and you're going to face obstacles even once you've decided to do the right thing. Yes. It's not all of sudden going to be easy and perfect and the path always made perfectly clear. But, man, once you decide it's like Dave talks about this, you have this never again moment, Sam.

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Never looking back. I'm taking death off the table and we're going to change our family tree. And what's amazing is when you decide to do that, even if it gets hard, the the determination will pay off. And they're just such an example of that.

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Those little kids and their story, their whole future is different simply because they decided they decided, you know, and and to you all listening right now, you don't have kids make that decision now. So you only have to go down that journey. That's right. And celebrate you and your husband for you. What you all do with your kids right now, like their future is so much better.

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So, I mean, I'm just excited just to have this conversation with you, Kristie.

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I mean, we're we're changing lives here. This is fun. This is a front row seat. I'm serious. You guys, if you really, really, really want to learn, how are these people doing this? I want you to stick around to the next break because we're going to tell you how you can start your debt free journey and how you can become debt free, how you can start building your legacy. This is the Dave Ramsey Show.

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Do you ever get to the end of the month and have no idea where all your money went? It feels like as soon as the money comes in, it goes right back out. Here's the thing, you guys, if you want to take control of your money, you and I'm talking to you, you have to be the one to tell it where to go. That means getting on a budget. Every dollar give every dollar a job every single month.

[00:30:26]

The best way to do this is with our new Ramsey plus membership. It gives you all our best money products, including a premium version of our budgeting app. Every dollar. That's where you make your budget, track your spending and clearly see where all your money is going. You can try all of this with a free trial of Ramsey. Plus today, never again to where your money is going to start. Your free trial takes begin to three three, seven, eight, nine again.

[00:30:54]

That's begin to three three seven, eight, nine increase in. One of the things I love about Ramsey plus is Financial Peace University and inside of it as well. Yeah.

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And it's so amazing to see how when you have a plan, it reduces your stress, your worry, your fear, because you can see the steps you need to take. I tell people this all the time when it comes to anything in life and it's not having too much to do that overwhelms us. It's not knowing what to do. That's why we put that together in a plan. Step one to three. When you see it, you can do it.

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And it's just amazing how how much easier it can be once you can actually see it.

[00:31:26]

And that was the secret to dream. Miranda, they had a plan. That's right. And they stuck to that plan for two years, 24 months. And because they stuck to that plan, they were on a budget. They took the class, they were able to become debt free. So I wanted I would encourage you to begin Bengi into three three seven, eight, nine. This is the thing that changed my life. You've taken it. It's just it's just a great, great, great thing.

[00:31:49]

So check it out, you guys, and I promise you, you will thank us all later. We're going to keep the conversation, going to have a conversation with Jack on a St. Cloud. Jack, good afternoon. How can Christie and I hope you're.

[00:32:03]

Hello, Mr. O'Neill. How are you? I'm doing good, man. How can we help? So I'm 18 years old here, I'm pretty young. I've got a decent chunk of money saved up for my age, I think. And given that I just graduated here in May, somehow with all the college stuff going on, I'm really on the fence on whether or not I should go to college or if I should just, you know, find a full time job and just work for a year and then save up some more money.

[00:32:32]

So I have even more to go to college later on. I'm just looking for some professional advice on what I should do.

[00:32:39]

That's good. How much money do you have saved up right now, Jack? 16000, 16000 dollars.

[00:32:47]

Have you applied to any schools to get in or are you trying to figure out if she if you should even apply? Well, I've applied to South Dakota State University in Brookings and also a local community college, I was thinking about maybe taking some some classes there just to save some money by. But, you know, with all the covid-19 stuff going on, I really am not all up in arms about going to school here, especially if it's out in South Dakota and then have them all suddenly turn off all the lights and say, you have to stay at home and you have to do distance learning.

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Because, I mean, I graduated just this spring and we did our whole last semester online. And that was that was a nightmare for me. I really don't want to do that. And so. Yeah, what do you want? I just.

[00:33:39]

What do you want to get a degree or. Probably something in business. I mean, I could see myself maybe owning like I work at a local Dairy Queen in my hometown and I love it there. I've been there for three years, and I could I could easily see myself one day, only one of those. So maybe a degree in business or maybe even if I decide I don't need a degree, just go for some business classes maybe. Yeah, yeah, yeah.

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I like that. And I'm like Christie talking to the business side of things, because if I'm correct, Chris, you don't need a degree to own a business. But here's my thing. When you're young, Jack, I am a huge fan of education. I'm to be honest with you, I'm not a huge fan of racking up debt for education, though. And so I do believe that, you know, if you believe I have two problems, if you're concerned about your health, then yes, I would encourage you to not go to school.

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But if you're not concerned about your health, but you're concerned about the school shutting down and then saying, hey, go home and do distance learning, then I would definitely say take the take the chance. I'm a huge fan of, you know, if you want to go to school, go to school. But at the same time, do you need a degree to actually own a Dairy Queen? I don't think so. Am I correct here?

[00:34:56]

No, you don't. I think the the important question that you want to ask yourself, Jack, at the age of 18, which is very young, is do I want a degree for my life today? You think you want to own a Dairy Queen? That dream may change in a week and a month, and in ten years, you may be doing something totally different. You know, Jack, I thought I was going to work in an advertising agency and I got a degree in advertising.

[00:35:16]

And it's just amazing how as you grow and mature and you're exposed to more things in the world, more opportunities, more industries, you'll learn more about yourself and what you want that you just don't know today and you can't know today because you're 18.

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So what the question I would ask you is, do you want a degree for your life to have to open doors for your life? If so, one of the things I would encourage you to think about is not this all or nothing mentality of I'm not going to go to school at all for a year and I'm just going to work and see what happens with covid or I'm going to go full time and then maybe they're going to pull the plug on me and I'm going to have to what have you, just like you said, either community classes, community college classes, some online classes, whatever you want to do.

[00:35:55]

But I would get plugged in if you want to degree if your answer to that question I asked you is yes, if you want to degree get plugged in in some capacity now, because if you don't, it's going to be much harder to go back when you're 19 and 20 and 21 and that that degree that you desire will continue to get delayed because there's never a good time to go right. Now's a good time to go because everybody's going, you're 18, go ahead and get started on that dream.

[00:36:17]

And then you can always add more classes later or you could always back off later if you decide, hey, this is the business dream. I've got enough basics to cover my bases.

[00:36:27]

But I would just say plug into something today if you want that long term to give you more options and more opportunities, because it's once you get in the groove of working full time, it's real hard to say, hey, I'm at 24, I'm just going to go back and get my degree.

[00:36:40]

It's harder. Then you'll thank yourself at 22 when you're graduating that you started today, if that's what you want for your life.

[00:36:47]

Yeah, so so to answer your question specifically, Jack, you know what we're saying? I like her question. Ask yourself, do you want a degree for your life? And if your answer is no or I do not know. I also agree that I want you to take maybe like one or two classes at a community college and then get out there in the workforce. Yeah. And try different things, see what you're attracted to, see what you really like, see what you do not like.

[00:37:10]

And then as you get a little bit older, maybe spend this one year. And then once you identify that, let's say for an example, you get out there and you find this particular job, feel well, do or do some research. What do I need a degree for this? Or can I do maybe trade school, maybe? Can I get a certificate and then go from there? But right now, I'm not really pressed for you to be in a rush to go out there and just jump into paying a lot of money for school.

[00:37:33]

I want you to figure out what you're doing. So tonight, write down a vision, step back and say, all right, this is what I'm going to do for this year. I'm going to do this. I want to do that. Key thing here, though, is to have a clear, clear, clear vision. Yeah.

[00:37:47]

You know, Christine was talking about your YouTube channel earlier, and I just got to talk about my eyes a little bit.

[00:37:52]

Yeah. You know, you're you're rocking it. It's amazing how it has grown so much because you're doing such great work there.

[00:37:57]

I mean, I think so. I think I'm doing okay over there. But here's why I love my YouTube channel is because of people like Jack, eighteen, nineteen years old. They're trying to figure out how do I start off, you know, life early. I mean, how do I sort of correct. What do I do with my money? And so that's what we're talking about over on my YouTube channel, we're really geared towards the 18 to 34 year old.

[00:38:20]

And we're having conversations like, should I go to college? How do I pay for college? We're interviewing people who are like 25, 26, interviewed a couple two weeks ago, 28 years old. Chrissy paid off all of their debt, have over 200000 dollars in their savings account, paying off their house by next year.

[00:38:38]

And at 28 years old, that's on.

[00:38:41]

And we unpack, OK, why, how, like you're different, like what are you doing in a really break it down?

[00:38:49]

So I would encourage people to go to YouTube dotcom for slash Anthony and I'll check that out because we're just having a real conversation, a relevant conversation, which is relatable people. Yeah.

[00:39:00]

And you're talking about such practical things that people are interested in. You have videos on how to date on a budget. How do I not seem cheap but show the girl I care about are these are really important things to talk about.

[00:39:11]

Yeah, they are. But some some females say I am Chief Christie. Right. Man, thank you so much for joining me. This is fun. This has been real fun. I want to thank our producer, James Charles and Kelly Daniel, our associate producer, who's on the phone lines. Remember, you guys, the caliber of our financial future will be determined by the decisions we made today.

[00:39:32]

I want you to make right what? This is The Dave Ramsey Show. This is James Childs, producer of The Dave Ramsey Show.

[00:39:50]

On your smart speaker, you can add our skill by saying, Alexa, open the Ramsey network skill. From there, you can listen to all our shows. Ask Dave money questions like how do I invest my money or what is the debt snowball? Find out more it. Dave Ramsey, Dotcom Smart Speaker.

[00:40:06]

If you're looking for fun and practical ways to save money in your everyday life, you need to check out The Rachel Cruise Show, a podcast from money expert and my daughter, Rachel Cruze. Hey guys, it's Rachel Cruise and I'm so excited to tell you about my podcast. A lot of people are living paycheck to paycheck. They're in debt. They don't even know where to begin. But they have this need this want to get in control of their money.

[00:40:28]

And if that's you, you have come to the right spot. So in each episode, you can get a ton of inspiration and practical advice. If not, subscribe to the Rachel Corrie show podcast. Make sure you do it today.

[00:40:40]

Here's hear more from the Ramsey network, including the Rachel Cruz Show. Wherever you listen to podcasts.

[00:40:46]

Hey, it's James, producer of The Dave Ramsey Show. This episode is over, but check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.