Coming to you live from the headquarters of Ramsey Solutions and broadcasting from the Dollar Rental Studio. This is the Dave Ramsey Show. It's where America hangs out to have a conversation about life, money, relationships, your career. I've been Coleman, one of the Ramsey personalities, and I'm joined by another one of them, my good friend Anthony O'Neal. And we are here together for you this hour on the Dave Ramsey Show, eight eight two five five two two five triple eight eight two five five two two five.

That's the number to jump in on the conversation. We'd love to have you join us. And here we go. We'll go to Potomac, Maryland, first, where Samuel joins us. Samuel, how can we help? Hi, Ken.

It's a great, great pleasure to talk to you. I actually tried to call your show earlier, but then I got bumped. Oh, but then I think that's a good thing because now I get to talk to you and yes, you get double the advice.

So how can we help?

So bear with me. I'm going to try to be as clear as possible. I just graduated from college and the spring twenty semester and I still believe my greatest years are ahead of me. But with that being said, I did graduate into a world recession. The economy is doing terrible. There aren't a lot of jobs out there. It's really hard for young people to get a job right now, too. And my basic question is, what should I also be doing?

What should I be doing next? Because during this time I decided I'm not going to just do nothing. I have to do something in order to get the next job. After my degree, I managed to get two certifications to get certifications, I.T. cybersecurity, because I realized cybersecurity information technology. That's what I'm really passionate about. And I believe it's a great deal. It is. So, yeah, I'm going crazy on LinkedIn. I'm studying for my next certification right now and I'm talking to people in the field that give me good advice.

But then from a job perspective and then later after it's made from a financial perspective. My just my question is, what should I also be doing? What can I be doing to be more productive, to not waste his time and to make the best of a terrible situation? Just coping nicely? Sure.

Well, first of all, I think you're doing plenty. I don't think there's any more that I would add from my standpoint.

I can give you some great financial advice. And he's going to I'll be really brief with this, because I think you've got to have a mindset change, because I think that, yes, there there is obviously a pandemic and there's obviously been an artificial shutdown of the economy. However, nationally, we are at seven point three percent unemployment, I believe, is the latest unemployment numbers. Now, there are there is there are different economies, different states.

Just to be very, you know, Frank, with you, the Tennessee economy doing quite well. Unemployment in the state of Tennessee, very, very low, much lower than the national average. I don't know what Maryland is like. I don't know if it's pretty pretty well locked down and shut down and if that is, in fact, the case, that is an artificial lead for you that is making maybe work hard to find. But as a young guy who just graduated college and you've got those certifications, I would tell you that I would go beyond LinkedIn.

I think LinkedIn is a wonderful resource. I like to say on the Ken Coleman show that it is a great source of information, but it is not the greatest opportunity for connection. Now, what I mean by that is you use the information off of LinkedIn to actually make phone calls to actually go, who do I know that knows this person on LinkedIn? And let me see if I can do a Zoome with them or a coffee and if that's not kosher.

And in Maryland, if that's not cool and nobody's doing that, that's fine. I understand that. But you could still make connections even in this time of social distancing.

And I think what you've got to be focusing on again mindset is you've got a very, very nice ladder ahead of you. You are qualified. You are getting even more qualifications. I'd keep getting those certifications, but I would get away from the traditional. I'm just going to submit resumes cold and go on LinkedIn. You've got to be using the proximity principle, which says in order to do what Sami wants to do, he's got to be around people that are doing that and in places where that is happening.

So you were trying to make as many connections as possible conversations where you say, hey, how'd you get where you are? Do you have openings in your area and you're finding people that know people in these companies that are hiring in it. And I can tell you, because I talk about this daily on the Ken Coleman show, that cybersecurity is one of the fastest growing fields in the United States for sure. It's certainly around the world. And so that's a wonderful place to be in.

And you need to work really hard on the proximity principle.

And I wrote a book specifically for this, so Kelly is going to give you whatever version you want, e-book, audio or hard copy in just a few moments. But Al, what does he need to be doing from a financial standpoint?

I think from a financial standpoint.

I could tell he's already doing the right thing, Samuel. And so, Sam, what where are you financially? You know, do you have a savings account? Like where are you from a financial perspective?

So I just started watching your show, Dave Ramsey and Coleman order in this year of 2020. And it really during that time of quarantine, I just started trying to be productive. I started listening to Dave Ramsey show. I'm somewhat familiar with the baby steps, but not too familiar. But the good news is that from I went from a student loan to twenty thousand dollars, I owe now less a little less than that, a little less than 50000 dollars on that loan.

I'm just considering the fact that I just graduated. I think that's a little bit of progress right now.

Now, that's huge. How much are you making a year right now, Samu? Well, I just graduated. I'm still unemployed. The 5000 dollars that I use for my family who just they managed to help me get out and everything. So instead of, you know, buying stuff that I don't need, I decided to attack that student loan as fast as possible. Yeah, like Dave Ramsey, a target with a vengeance. Right. So I just attacked it as much as I could just to get rid of that.

And I attacked my car right after, because that's next right after this student loan right here. And then I heard. Oh, yeah. Thanks. Kanfer willing to give me a book because I think I'm trying to watch less TV, play less games and just read more so I can learn more.

And I think Dave says, well, Samuel, Samuel Samuelson, I want to make sure because I was going to drop something on you, but I just heard something I was assuming incorrectly that you were at least working some part time jobs. And I appreciate you listen. There are jobs in Potomac, Maryland, that if you can drive, you can get a job. Yes. And you need to be doing to at least two part time jobs, if not three, at this stage.

While you're doing all of that, connecting and using the book, the proximity principle, because you can be making even more ground on that debt. Oh, yeah.

Yeah. And that's the same as what to say to their HOGGETT. I'm now OK. Can that get a job? You know, I mean, you, you sound like you have the right mentality, but the first thing is first a practical step. Get a job. Job for each job. Four door dash driver Uber. Get out there and get a job. Now it's not going to be your dream job. That's not why you went to school, which is why the matou, while you're driving and dropping people off and doing odd jobs, you're reading King Means book.

You're you're logging on. Stop listening to the day ramshaw every day. Get on a Kinko Michaux, because right now you need a job so you can listen to the Dave Ramsey Show to get out of debt. OK, so that's what I recommend. Get a job, get so involved into the Khancoban show information so you can get a solid career and then come back and holler at me and Dave will help you get out of debt. Absolutely. Good stuff there.

All right. Coming up, more of your calls, more clarity so that you can confidently step forward on the path that you know you need to be on. Don't move. This is the Daily. Yes, folks, mortgage rates are really low, and while that's great news, watch out for mortgage lenders with a slick pitch claiming they have the lowest rates.

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Oh, yeah, let's just let that play for a moment, let people enjoy that great. Yeah, you never see Dave Ramsey do what I'm doing right now. There is way too much shoulder shaking. I'll do a little of this. Kelly was giving me this move here. Look at it like, aoh is so embarrassed right now. So and there was a three time when kids would be I mean, Kelly, you know how embarrassed my three kids would be.

So we need to roll this back. I mean, YouTube tonight for them.

Can we go can we go to Milwaukee, please? This is the Dave Ramsey Show.

Have a little bit of fun. That was a good book. That was very nice. And don't you all come on. We all we all need to move a little bit. But I did break the rule. Yo, you know, from the movie Hitch, where Will Smith tells Kevin James character to keep it right here. He really did. It's one of the great lines from Hit. He's like, just stay right here in this area. And I got outside of that and really rightfully called me out.

I apologize for humiliating you. We will get beyond it. Anthony O'Neal, Ken Coleman here this hour on The Dave Ramsey Show, taking your calls and having a lot of fun, I might add. So here we go. And for the YouTube work. Yes, because, you know, YouTube doesn't have the music. We just played the Michael Jackson music. Oh, all right. So that's what Khancoban is talking about.

Thank you, Teo. Cee Cee. He's so much more are like, what is he talking about? Everybody on the dance floor. Thank you. You bailed me out. Yeah, man, I tried. Everybody by the cold was like the YouTube audience has no idea what you're talking about. Zero. The radio audience and I were enjoying a little bit of thriller and was not. I ruined it for him.

Yeah. I mean, because, you know, come on, that's Michael Jackson. If you're going to dance, dance like Michael Jackson. I don't have it. I broke my own rule.

I was not operating in my Strix. OK, so let's let's try to get the career guy stick to that. But it's a very stay in your lane is what AOH is telling me. And he's right. All right.

Triple eight eight two five five two two five eight eight two five five two two five. Let's go to Milwaukee, Wisconsin at Anthony's. Wish I shall grant Sarah is on the line there.

Sarah, how can we help. Hey, guys. Well, first, let me say I'm thrilled to be talking to you. Oh, that's nice.

We're thrilled to talk to you, Thriller.

Yeah. Hey, I see what you did there, OK? I see what you did there.

I did. Yeah, very well done. Well, so my question is that's my husband and I are in baby steps 567 recently. I got a bone at work. I want to apply it to the principal of the mortgage. Is it better to apply it to the principal, one lump sum, one payment, or to kind of give it up over the course of several months and pay over in end by giving it up? How much is the bonus of sixty three hundred.

Oh yeah.

Despite all that one time. OK, just go online and just say how you can either call them, make a payment over the phone or go online. Just tell me what to do. A principal only payment. The key thing is to make sure that you tell them exactly what you want to do, because sometimes if you pay over America, if you're listening, you know, if you pay over, they either push that towards the next payment or sometimes they'll add that money into your escrow, the principles on the very bottom.

So if you want to attack your principal going ahead, just make one lump sum payment. That's fine. Yeah. Thanks, guys.

Hey, thank you, Adulations. Thanks for the call. Triple eight eight two five five two two five. Let's go to Flagstaff, Arizona, next. Samantha is there. Samantha, how can we help?

Hi, I am graduating in May. I've got so but for the record, I'm debt free. Yay! I've got spring semesters, tuition in the bank. My question is I am starting a job search for after I graduate. I don't know where I want to be. So I'm doing trying to do a nationwide job search and I want to know how to do that successfully, because right now all I've been doing is just sending in called resumes.

Yes, we'll stop doing that because that's essentially like playing the lottery, you know, especially in today's world where we've got higher unemployment than we did in February, where we had record low unemployment.

And now, you know, with the onslaught of the way that companies handle resumes, as you know, Samatha, that it's a digital submission just about for everybody. And so they're just getting all these resumes. And we know from research that hiring managers are spending about seven point three seconds or less looking at a resume. So there's no reason to play that game because I'm not saying it won't work. I'm just saying you're truly playing the lottery. So the question really is, what do you really want to do?

And you may not know the exact step, but what's that long term goal? What do you think?

Is that mountain top for you? I am majoring in environmental sciences with an emphasis on chemistry so that I can be a soil scientist. Very nice. So here's the good news. You're super clear. She knows she's in stage one of my seven stage. Stage one is get clear and really in stage two and three right now, you're getting qualified from the school's standpoint and to that entry level option at least. And then it's now stage three, which is get connected, which is using that proximity principle.

And so what you want to be doing is while you're still in school, you've got career services at your university, you've got professors and you've got some initial connections to that industry. And you want to leverage this opportunity as a student right now to to maybe look at some internships right out of college and whether they're paid or not. I would still do it because your expenses are really low if you had to work two jobs plus an internship just to kind of be able to afford that, I think that's a sacrifice worth making, if that's even something you would have to do.

But you just want to be able to get in any way that you can. And in an internship right out of school might be a great option. You may not even have to do that, though. And so when I talk about the proximity principle, I'm saying the people that are in that world, OK, environmental sciences, let's just call it, let's just keep it really broad for this discussion. And what you want to be doing is saying, if I'm looking nationwide, I can't.

I'll get intimidated by that. What we have to say is in oil, in order to be a soil scientist, what is the particular path? So what would be entry level and then what would be, let's say, two or three rungs up the ladder from there. And so when you look at the dream job as a top of a mountain, you go, OK, let me back my way down the mountain. What does it look like to get there?

And there are multiple ways up a mountain, by the way, as you know, Samantha. So I think you've got to determine what's a good entry level position for me. And I start looking for that. That looking for that nationwide is a lot easier to search for. And then as you begin to go, OK, this is a good entry level job. So is this now what I'm going to do is see what companies are offering positions in those areas.

I'd even look at potentially getting connected with a recruiter in that particular field because there are specialist recruiters in that field as well. That makes sense. Yes, so right now, you got to boil it down, you got to find companies that are actually hiring entry level positions in your field and then you attack it. OK, but listen, I'm going to give you a book that I wrote just for you because you know where you want to go.

And your question is, Ken, how do I get there? And so I don't have time to unpack the five people in the five places that I write about in the book, the proximity principle to number one bestseller still sell. And it's extremely practical. Hang on the line and Kelly's going to give you whatever version of that you want. The e-book, the audio book or the hard copy, which, by the way, Anthony, people can get all three formats of that book.

One low price it can Kohlman Dotcom, 25 bucks, 25, three books for one price. How about that? That's not a bad deal. You love your people because they can't do that. But I know. Well, I'm trying to help people get hired, so I got to give these crazy discounts. But that's situates. So what happens there? And you talk to a lot of young people when they when they look at the top of the mountain, you can be very intimidating.

Yeah. And you want to look at the top of the mountain to kind of go where I want to end up. Right. But nobody goes out and just starts climbing Mount Everest. No, they have to get to base camp after months and months of training, maybe even years of training, physical training, mental training, mostly all the things. And then you incrementally go up the mountain. Yeah. I mean, what you're doing can as you just pretty much giving them baby steps to those your seven baby steps into your dream come true.

Only focus on number one when you get there and be ready for number two when you get there and only focus on number two when you get there and then focus on three. And so that's something that I use with the my own philosophy. My end goal is is very, very big. But right now I'm only focusing on the season I'm in right now. And I'm killing it. I'm studying it. I'm getting better. So that way, when I'm ready for the next phase, I can be 100 percent determined and ready to start attacking.

You didn't just become a youth pastor overnight. You don't just become a speaker and a writer that then joins our team. There are years and years of steps in preparation and hustle and and this young lady is going to get there. But again, folks, the mountain, it's not so scary when we break it down to stages. So there you go. All right. Good stuff. We're just getting started. We're having a blast. Anthony O'Neal, Ken Coleman joining you here on the Dave Ramsey Show.

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This is the Dave Ramsey Show coming to you live from our Ramsey Solutions headquarters in Nashville. Thrilled to have you with us. I am Ken Coleman, joined by Anthony O'Neal. And we are taking you through this hour of the Dave Ramsey Show. Triple eight to five. Five to five is the number to join the conversation. Eight eight two five five two two five. It's your show, America. What do you want to talk about? Your one phone call away.

We're going to shoot you straight and we'll take it. We'll take it on. We'll take your money questions. You sick of your job? Have no idea what you want to do. Miserable, scared. We'll take your calls before we get to the phones.

I want to make sure those of you who have yet to be able to say never again, never again will I question what to do with my money. Never again will I feel like I am trapped financially because what's going on in the world and if you feel like that statement is impossible, I can tell you it's not. You just need a plan. That's why we're excited about Ramsey. Plus, it's one membership that coaches you step by step through our best products.

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That's Dave Ramsey, dot com slash FPU triple eight five two two five is the no. Let's go to Appleton, Wisconsin. Josh joins us there. Josh, how can we help? Hi, guys, how are you doing? We are having a blast, what's going on? Awesome. So I have an 18 year old, a senior in high school and can youth apprenticeship program for machining a trade. And my question is the next step. Should he sign up?

With the company. And get free apprenticeship and be stuck with the company for three years. Or should it, Cash-Flow, his own apprenticeship program? Well, that's really interesting. You know, I wonder why you say and I'm not being I'm not being facetious or sarcastic, I truly want to know why you say if he takes an apprenticeship, that he's stuck with a company for three years. Well, typically, in most places, they'll pay for your apprenticeship program, but you have to sign.

No, no, I'm sorry.

I understand. I understand how it works. I'm saying, why do you perceive that as being stuck? Yeah. As opposed to he's a young man, how old is your son right now? 18, he's 18.

That means by the time he's 21 or 22, he's already got three years of incredible experience and he's wildly qualified.

Right. As opposed to play out the other option for me. So if he cash flows his own apprenticeship, which just simply means he takes care of his basic living expenses while he works for free, that's what you mean by that.

What do you what's the path if he does that and how is that any different? Well, he said he would pay for his own apprenticeship program. He's not getting it for free. No, I understand. But my point is, is that he comes out on the other side of that wage where that's true. He can go anywhere. I like I like the free method man.

I'm not concerned with him going. And it's almost like, for example, the army will send you off to school or the military will send you off to school. And you have to go serve the great states of the United States of America for four years. That's not a I wouldn't call it stuck. I would call that grateful. Someone paid my way. I'm a go while I'm going there and serving for those three years. I'm not stuck. I'm actually learning more.

Then after that, I can transfer and go somewhere else with the experience. Free education. No cost to me. Yeah, man. How much is the.

Yeah. What you're hearing from us joshes. I just wouldn't couch it as he stuck. I think one option may be better than the other. I think that's up for you to decide. So we'll keep playing this out. But my question to you is, how much would it cost him your son to pay for an apprenticeship on his own? So the check is running about. I think 48. Hello, semester, I think 4800, how many neighborhood, how many semesters?

Typically a two year program. OK, so what's his total? I'm just asking you, give me a ballpark. What's his total number? 20 grand. Yeah, is that right? Yeah, OK, but then again, does he have what kind of cash does he have? It's not he. What kind of cash do you know he's going to make his son pay for it, which I love.

No, no, no, no. Yeah, no, he's he's he would be cash. He'd be working. He currently is earning in the youth apprenticeship program and he's saving. How much does he have, Josh.

Oh ten grand. OK.

Yeah. Yeah. I just, I don't, I don't think he needs to do that. I think at the age of 18 to get into an apprenticeship and then work for a company, get in the field for three years and know that he's got a guaranteed start. I just like that play better, but I'm not going to tell you that the other plays wrong. I just I just don't think he needs to to do that. That's that ten grand that he saved up.

Now, Anthony, where would you tell him to invest that money if he didn't use it for the apprenticeship?

I'll keep it in my savings account again. I'm just going to say, you know, I think you I think you're wrong. I think you're wrong for telling him to not do that. He needs to go to this apprenticeship program. They need to pay for it. He needs to work there, let him save his money. Think about it. At 25 years old, he can have education. He can have about ten, fifteen thousand dollars in a savings account and he can have the experience.

Now, at 25, he can transfer somewhere, go somewhere else with a large savings account, no debt. And they experience making anywhere from 90 to about 140000 dollars. I think we got to get a long term play. And I'm just going to say, let's not kid, this is Anthony O'Neal. He needs to go to the free room. Yeah, I agree with you.

Yeah, I agree with you guys. I just like walking people through. But what your options are, I don't think there's a wrong right or wrong on this one. However, I just think that three years experience for a young man at eighteen Hewlett's, that's really, really valuable and he gets to keep that money. All right.

Let's go next to Pittsburgh, Pennsylvania, where Sue is on the line. Sue, how can we help?

Hi, how are you guys? Thanks for my call. You bet. What's up?

OK, so I just have it's kind of it's probably going to be an easy question, but I'm struggling with it, OK? We've paid off our debt, but I'm working on we're working on our three to six month emergency fund. So like on my budget, I have like sinking funds, you know, like birthday parties and cell phone replacement that bills so that I always have my envelopes full of the money when something happens and we need. Right.

I include those thinking funds in my emergency fund. Or do I just include my four walls when I'm thinking of the emergency fund?

Well, when it comes to your emergency fund, we call it three to six months of your expenses. OK, so the keyword there is expenses.

What do you need to survive to keep your life the way it is now for three to six months so you can determine if an emergency happens. And I just want to cut off everything. If I am, I want to stop doing my hair. Am I going to stop buying birthday gift? Am I going to stop getting my nails done? You decide and you figure out what you need for me. I have a for three to six months.

You know, I love golfing, so I'm a part of a membership golf club. So I put all that in my emergency fund just just in case.

If I do want to keep my golf membership, I can go there. But check this out in a true emergency kit. I'm not golfing. Right. So I can take that money out and use it towards a fully, you know, whatever the emergency is. So really, I would say go ahead and put three to six months of your daily monthly expenses. So this way, when emergency comes, you have a little bit more cushion in there to to keep it going.

Yeah, that's a great point, because you are going to buy a birthday present for your kid. You are you hope. You know, and so we're not going to go, hey, we're suspending birthdays this year. Right? Of course, back in the old days, you know, my grandfather used to tell me that he would get an orange for Christmas.

Like, I'm not kidding.

You know, like, I grew up in the 30s and they lived in the, you know, southwestern Virginia. You know, I bought an orange orange. Can you imagine now our kids these days can't be thirty minutes without their phones. Yeah, my grandfather got oranges and apple, oranges. And after Christmas for Christmas. Yeah. Thank God I'm in a 2000. You may need some more emergencies for our kids just like that. We need some shock all and only.

But I'm sounding like an old guy now. Hey, don't move. Anthony O'Neal, kid Coleman sitting in on this hour of the Dave Ramsey Show. More coming right up. This is the Dave Ramsey Show, so excited to have you with us, Anthony O'Neal and Ken Coleman with you this hour on The Dave Ramsey Show, Triple eight five 225 is the number to jump in on the conversation.

You're not happy in your job, your work, your career, your purpose in your work. I'll help you with that, not where you want to be on the baby steps.

Not even sure what they are. Feel like you're trapped. No way out.

AOS got you there. And we're going to work together to help you get clear on what's your next step and how to take it triply.

8255 two two five eight eight to five five two two five. Let's go to Tampa, Florida. Brandi joins us there. Brandi, how can we help?

Hi, thanks for taking my call. Sure. I started the program a while ago and I got stuck on a baby step and I decided to skip around was a no, no, no, but I want to get it done and out of the way. So I did step one. I have that done. And I went and did three, four and five. Baby, step number two is where I'm stuck. So I graduated college in 2013 and student loans is the only debt that I have.

I believe I was told by one of the representatives that I think after about ten years or something, they fall off each year. I go to put my information into make a payment. They tell me that my payment is zero based on my income and I'm just like that. But it's still increasing, so I'm not really sure what to do about that. Yeah.

How much we owe your student loans, Brandi? Altogether, we're about 70, OK, hold them. OK, seventy. All right. Sounds like your student loans are in deferment right now, OK? It is still current interest. Well, right now they should not be if they are federal. Now, if you have private, they are. But if they're federal, federal, they're all federal. OK, so. Yeah. So right now, as of right now and since I think I want to say right around March, March, April, they should not have been accumulating any interest at all.

So here's why I recommend you need it. You need to pause baby steps for OK, you need you need deposit and you're going to hate what I say, but you need to also take that money out of baby number three and put it towards your Sudholz.

Oh yeah. How much how much do you have in baby step three right now.

Oh about twenty thousand.

Oh Brandi, come on. Yes.

I was like, you know, you don't make enough to make a payment. Well, but here's the thing.

How much do you make annually. Brandi, how much do you make a year. Forty five. Oh pretty paid brand.

What are we doing. OK. Listen, listen. OK, when we get off the phone, Kelly is going to give you a copy of my Destroy Your Student Loan Debt. It's a quick release, 80 pages, your educated woman. You read this book in about 45 minutes. I'm not the best reader. It took me, you know, almost five months to write this book when it's only an hour read. So an educated woman like yourself, you read this.

And if you follow the principles that are in this book, you could be debt free honestly within the next 12 to 18 months and you'll feel so good. You know, Brantner, you sound like you're very young, smart, bright, beautiful young lady.

You'll be debt free, no debt, three to six months of your expenses and you'll be on to the other baby steps. So what I'm saying is stay on the line, get this book, go to the bank Monday morning, cut a check for nineteen thousand dollars, get that thing down, and then work the baby steps from there and start attacking them, even if they're not racking up any kind of interest right now. And then within the next 12 to 18 months, you'll be 100 percent debt free that you can go back to your fully funded emergency fund.

And I promise you, you will love that and take yourself down the road, because now you're building money and investing money and making money and you don't have to worry about any other debt. And it's a great feeling when you wake up on that. Can't write advice.

I love it. I love it. You call it exactly how she was going to react. You said it. She immediately was like, oh, for real. Well, that's really great advice.

Yeah, I love it. Let's go to Liem next. Oh, he's got a good question here for you.

And Liam joins us in Rochester, New York.

Liam, how can we help you guys? Are you. We're doing great. What's going on? So I'm 16 years old.

I'm looking at colleges soon, and when I turn 18 or 19, I'm going to receive some money. I'm not exactly sure how much. Probably somewhere between 50 and one hundred and fifty thousand dollars. And that's supposed to pay for my college, but it's most likely going to be more than the cost of college. So I'm wondering, what should I do with the surplus of that money? Good. It's a good question, and you know what? 18, 19 years old, I can give you all the advice today and you won't make all the right decisions with that kind of money.

OK, we I had a call like this pretty much last week. The young kid getting about 100000 dollars. Here's what I recommend. You know, of course, no one is going to be make sure that you can complete school 100 percent debt free. But with that kind of money, this could set up your future very positively, I mean, and get you ahead of the game. So I would recommend that you sit down with one of our smart VESTER pros when that does happen.

So in two years, remember, you need to sit down with a financial adviser and say, hey, listen, I'm coming into this last check. I want to make the right decisions. What should I do? I am 18. I'm going into school. I have this much school that needs to be paid for. And so I'm I have a lot of money left. And from there, boom, all you do is just tell them, hey, what should I do?

Make sure you have like a parent or legal guardian there that can make sure that no one's trying to give you the wrong information because not all financial advisors can can't we trust. Which is why we have vetted our own smart vesser pros. So that's what I would do for for yourself. Man is number one, make sure that your college is taking care of the number to give with that financial advisor that can show you how to properly invest. And check this out.

I want you to remember this two years later. Don't do what they tell you to do. Ask them to educate you on why you're doing what they say that you should do. So this way you're growing and you know exactly what you're doing with your money and it's not them just blindly leading you. All right. So great question, man. And I love I love it. They thinking in the future is brilliant.

Oh, 16 years of age making that phone call. It's fantastic. And Anthony's absolutely right. Our smart Mr. Pros, again, Dave Ramsey, Dotcom and your area. We've got men and women that have been vetted. And we say this sometimes and I don't think we put enough emphasis on it.

So I'm going to this young man and Liam and anybody that we give this advice to and Dave has said this, in fact, Dave, is drill this into us just because we vetted these men and women that are listed as Dave Ramsey Dotcom and your area under our smart Mr. Pros, you still need to go meet with them.

Yeah, OK, do resume call whatever is appropriate and eyeball to eyeball.

You are interviewing them? Yes. They work for you, not the other way around.

And and we want to make sure that that you've got a good fit. Yes. Because they should be giving you. So you're checking them on the on the day Ramsey advice. Yeah. You don't hear it if they're saying something different than what we say on the show. Big time warning flag. Turn around, fire us an email and we'll deal with it. Yeah, but beyond that, it's about fit. And do you feel like they've got the right chemistry with you?

They have that heart of the teacher that we really, really train them for and we want them to share with you so that you feel like, you know what's going on. They're not just telling you what to do and you're kind of foggy on what's going on. It's really important, even for a young man like this, to get somebody who early on is going to get you started on the right path. And it's a game changer. And when you trust somebody like, that's why we go to who we go to to get our haircut or the dentist or whatever.

And if you'll put that kind of feeling into that, you should definitely do that as it relates to your investment adviser.

Oh, so true. Can't you know, next week I'm meeting my financial advisor. I'm interviewing a new ones coming here to the office right now. We're going to sit down and have lunch.

What kind of things that you would ask? Because I think we be for people to hear. What do you what do you see in the future? You know, what do you think I should be investing in? How much? And tell me a little about yourself. You know, where where are you from? What are you investing in? What are you diving in? What's your interest right now? I want to know, do you know what you're talking about here?

So funny. This is what's so funny is that people know because I'm a personality, they come here thinking, well, they want to talk to Dave Ramsey language. And I want you to come here talking to Anthony O'Neill language. I agree. You know, I'm saying, hey, Dave, give me the money, Anthony O'Neill. So I don't care.

But what the I'm a huge fan of Dave. Well, go work for me. I need a huge fan. I Anthony O'Neal, she is my money.

It's good. It's really good. So here's the point that Anthony is doing a great job, you know, making interview. Yeah. You got to feel good about this decision because we're talking about Xeros we're talking about zero zero zero. Thomas Yeah, that's right. Commas and zeroes. And we want to expand to those zero. So it's really important stuff. Hey, I want to thank our production team, the radio team, our YouTube team, the video radio folks.

We do a great job in the control room. I want to thank my panel at the audio. Always fun to hang out with him. Most of all, we want to thank you, America. You're the reason we do the show. Remember, this is the Dave Ramsey Show. I have a friend or family member that needs a daily dose of Ramsay advice in their life. Let them know about the Ramsey Call of the Day podcast. It's a quick bit of advice about life and money.

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