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Live from the headquarters of Ramsey Solutions, broadcasting from the car rental studios, it's the Dave Ramsey Show where debt is dumb. Cash is king in the paid off home mortgage has taken the place of the BMW as the status symbol of choice. Anthony O'Neal Ramsey, personality number one, best selling author, is my co-host today.

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Open phones at eight eight two five five two two five. That's triple eight eight two five five two two five.

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Michael is in Orlando to start off this hour.

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Hey, Michael, how are you? Good, how you guys doing today? Better than I deserve. How can we help? Yeah, I appreciate the call all the time at the time, so my question is, am I just got accepted the school recently? I finished my undergrad last semester. No debt at all. My wife and I are completely good right now. So going into school, the school I got into, it's going to be a little bit over eighty three thousand dollars.

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By the time we start school, we'll have about seventy eight thousand dollars in savings, about ten thousand dollars in a mutual fund, and we should have enough to pay for it out of pocket because of course, I definitely don't want to take out loans. Good for you. Well done. My questions. Thank you. I appreciate it. So my question is, though, you know, it's twenty seven months long and we know that sometimes unexpected expenses can come along the way.

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I have a state retirement with about forty two thousand dollars in there and a Roth IRA was twenty thousand. And so if it comes to toward the end of the program and if we were to fall short a little bit on the tuition costs, what's your guy's view on using, like the Roth IRA to cover the difference at the end? No, I'm confused.

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Why would you fall short? Yeah, well, just because you already have the money. Well, spent it on something I. No, not at all, not at all. So my wife's a stay at home mom, I'm not going to be able to work while I'm in school because the man I'm going to have to leave my job here and my work, my wife's going to be doing a little bit of work under her brother, making a little bit to just cover our monthly expenses.

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I guess it's just in the events. We're not expecting that that will happen. But just in case, you know, with medical expenses or unexpected things that happen, you know, auto expenses come along the way. If it does, my wife and I were curious. If we fell short at that time, what would we should we take out of the Roth IRA or what would what would you all suggest if something like that were to happen?

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No, no, no. We're never going to tell you to borrow against your future, man. What I want you to do is start planning for that now, because you're right, life can happen and more than likely life will happen. But how do you start preparing for that now if you know you're 27 out, 27 months down the road? So my thing is, OK, you probably can't keep a full time job, but what can you do when you're not in school?

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That adds in a part time job to start stacking up money and start paying cash towards that as part as much as possible, because there are some things you can do, but you pretty much have the cash now. But how can you keep doing something on the side like your wife to that way to make sure you will get through this process without racking up any debt or pulling from your 401k and your Roth IRA?

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Mark, I'll tell you what. I'll tell you what's scaring me. It not so much the question, but the way you're phrasing it. It's almost like you're setting up a self-fulfilling prophecy, like this is going to happen. Because your plan looks like you're planning for it to happen instead, let's plan for it to not happen and figure out, OK, so here's our recommendation. It has been since I came on the air, we do not cash out retirement accounts except to avoid bankruptcy or foreclosure and neither one of those or this issue.

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So the answer would be no. Now, if that's off the table, what are we going to do? When did you say you start school again? May 10th. OK, so between now and May, I'm going to pile up extra money like crazy so that I have offset any worries I have in this area. Oh, by the way, you've done an incredible freaking job. Absolutely. Where did all this money come from?

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So for about three years or so, my sons, one and a half before my son was born, my wife and I both worked full time. I was I was actually in school full time and and worked full time for about four years. And what we did was when we first got married, you just pretended like we pretended like my wife's income to exist.

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What is your what did your wife do? So before she became a stay at home mom, she was working in finance and then she did a little bit of hospitality being a server.

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OK, so and she wants to be at home full time with the new baby, which I'm completely on board with, by the way. OK, so here's what happened today. The insurance house.

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OK, number one, between now and May, we would be on beans and rice so that we had an extra ten or fifteen thousand dollars. And then this question's off the table. If something even busted through that and we got towards the end, what would we do? We would just both go to work and it'd be uncomfortable and we would do wicked weird stuff.

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And it would be it would be strenuous, but it would be for a matter of two or three or four months. It would not be for five years. And you're not going to destroy your child at two and a half years old. And they need counseling because mommy and daddy both worked their butts off for 90 day period of time. But kids live through it. Man did. Yeah. So I'll give you an example. One of the hardest six week periods of time in our entire lives, including the time that we went bankruptcy, went through bankruptcy, was after we had been married about three years.

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My wife had about four classes left to finish her degree and had never finished her degree. The shortest way to finish the degree was a six week cram course during the summer, and she could knock out all four classes and graduate. But she had to go to Knoxville 200 miles away. And every and take my baby with my brand new baby with her, so for six weeks she would get in the car on Sunday night and we would both cry and she would drive to Knoxville and put the kid in daycare and go to classes all week long and come home on the weekends.

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And then we would cry when she went back and the baby cried and we all cried and it was awful. And the baby, of course, does not remember it. She's grown now and has babies of her own. She lived through it, but Mama got her degree by God and we paid a price for that to happen. It was an emotional price as much as it was a financial price. But I'm just saying that's the worst case scenario.

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You're going to run into something like that where you guys are just all in and you're working and it's just like this horrible three, four month period of time. But to even avoid that between now, May 4th, let's just pile up some more money. But you've got to take this stuff off the table or you're going to gravitate towards it as a self-fulfilling prophecy. Absolutely.

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You take it off the table by just like you said between now and me, just go ahead and work hard.

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Let's not an option. Yeah. You have to you know, maybe we don't finish our degree. Oh, my God. No, no. You know, but I mean, you know, but you take the take the retirement. It's not an option. So if it's not an option, then we've got to our mind immediately starts working for other directions and other alternatives. Won't you say that's that's a non sequitur. That's a non-starter. Then what are we going to say?

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OK, we got to figure out a different way to do it and you'll find it. Yeah, but if you leave that oh, we can always go there. You're going to wander your butt off right through that Roth IRA before it's you.

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It's going to happen. You can just about count on it. Yeah. So that's that's what that's how I'm thinking through. This is just the language you're using and how you're approaching it.

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And I want to reiterate, Michael, you've done an incredible job. You are you I mean, your wife's at home full time with the baby. You're going to school. You've saved up the money. You guys are rock stars. I'm so proud of you. This is the Dave Ramsey Show. If you really want to win with money, you have to learn to spend less. A great tool that's helping my listeners save money is called Honey. Honey is a free online shopping tool that finds some of the best promo codes and applies them to your cart for you.

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If you are trying to find the perfect Valentine's gift, consider your consider this your friendly reminder. In order to make real progress with your money, you've got to be on the same page as your spouse. You need to work together to create a budget, a plan that helps you with your future together and to help you get on the same page. We've gathered up our best selling books and budgeting tools and bundles for couples all in one big sale so you can save up to eighty three percent on the gifts that'll help you reach your financial goals.

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Plus, you do not want to miss our money and marriage live stream on February the 12th. Early bird tickets are only twenty dollars right now. And that includes, of course, Rachel Cruise talking about money and Dr. John Boloney talking about emotional wellness and relationships as they walk with you and your spouse through a really fun date night. And you're going to learn how to have better conversations, create deeper connections, make faster progress. Go to Dave Ramsey, Dotcom backslash store, get your live stream tickets and check out the Valentine's Day gifts that'll help you build a bright future.

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Hurry. The sale, of course, ends February 14th. Gaylene is with us in Eugene, Oregon. Hi, gasoline. How are you? I'm doing great. How are you doing?

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Better than I deserve. What's up? Awesome, thank you for taking my phone call. What's up? As I'm 59 years old, I don't have any debt. My husband and I are forty two years married and we've raised five children. And I was a stay at home mom for most of that time. And now I'm teaching two thirds time and as a choir teacher in high school and I make about twenty two hundred dollars a month and I save all of that money and I have about forty thousand dollars in the savings account right now.

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What's your husband, Mike?

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My husband is retired. He was a teacher also, and he brings in about thirty five hundred dollars a month from his public employee retirement.

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OK, well, after 52 years of marriage, I'm going to teach you something about marriage. There's no he's a week. There's no he's in yours this week. There we go.

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Yeah, right. So together know we make that money together. Together you make over six thousand dollars a month.

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Yes, yeah, about about that. Yeah, that's awesome. OK, thank you. So so yeah. So now we we got our pay our house paid off last year and we live on four acres in a double wide manufactured home. That's about somewhere between 30 and 40 years old. I'm trying and I don't have a retirement fund that I haven't said anything up. I thought about taking out a four O3b, but I didn't I wasn't sure. I'm worried about investing any money in a mutual fund because of our economic situation with the government and everything right now in the political scene.

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So it's just sitting in a savings. And I know that with inflation, it's just going to devalue and I need to do something with it. But I've been trying to save money to build a stick frame home so that our property would be worth more.

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How much money do you have? I have 40000 feet. Does he have any shaved? No. OK. So we basically save all the money that I earn.

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How old are the two of you? I'm 59 and he's 60 for. How long did you say you've been married? Forty two years we got married, really OK?

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But you said a minute ago and I was like I was like, that's, you know, I mean, even in Tennessee, we don't marry.

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So, yeah, I was young enough.

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That's OK. I got you.

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I'm trying to figure out if if we should. My husband has. And still, we did build a house quite a few years ago. Yeah. We sold that because of the location and the pollution problem that we had. And then we bought this little mini farm.

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When I hear 30 year old or 40 year old manufactured double wide, there's all kinds of there's all kinds of visual things running through my mind. Right.

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And most of them aren't most of them aren't pretty. What kind of condition is this in? I'd say it's in pretty good shape on the inside, like we put hardwood floors throughout and we have taken those ugly wallpaper walls and we've transformed them into it looks like a real house inside. Yeah, but what about stuff like heating and air?

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I mean, you have to burn the thing to heat it. Oh, yeah, it's heating is expensive. We have a wood stove, and so we pretty much use our wood stove for heating, but it has central air. I mean, it has which is the way you answer your question is project this out.

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20 more years if you're 79, 20 years from now. Right. Where are you living in your mind, then? A 20 year old version of where you sit now or somewhere else. Well, I love it here. We love to say I was asking about the trailer.

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Oh oh, in my mind, I'd love to have a nice big house where the grandkids can come and have a good time and make this property kind of like a vacation place for them to come, to make a lot of people that I know in your situation with a lot of skills and with some property that they love and time on their hands and a little bit of money sometimes will do a staged building process. Where, for instance, I know, folks.

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That have gone out and built a really fine barn. With a living quarters upstairs as stage one, stage two, they begin to build their house, but in that case, they're getting rid of a house payment. You're not getting rid of a house payment. So that's not your move to another stage. I see people do is sometimes I've seen them build a basement with the living quarters in it and the roof of the basement is going to be the future first floor of the house we used to call that country built.

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I don't know what you call it in Oregon. It's not it's not an ideal way to do things, obviously. And it might be it might be only slightly better than the living conditions that you're in. It'll probably be much more energy efficient. But I don't know.

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You know, I would start asking or maybe you build a small home that is designed in such a way that it naturally and with with a plan has ways to continue to add wings on it.

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That will be another way.

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You build a 40000 square foot box are forty thousand dollar forty thousand square foot, a forty thousand dollar box. But in such a way that each side of it is designed that, OK, you're going to leave this room and eventually go down this hole for another set of bedrooms and down this hall for another sort of bonus rooms or whatever, those kinds of things with the design where you can add on with cash once you've made the move out of the doublewide.

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But if you don't go ahead and start doing that now while you're young enough that you have your health, that he can swing that hammer because I got a feeling he can build this for little or nothing be right.

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Yeah, he's got the skills to do it. Like you say, we're both getting older.

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Yeah. And I don't want you to wait until you're seventy five to start this idea. It won't be as palatable, but I'll bet you with him retired, he could do a whole lot in the next 24 to 36 months towards getting you guys into your first version of a stick built with cash.

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And so what would you think about just taking the home that we have and gutting it and pouring it foundation and utilizing what we have and adding on to it? You can.

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But does that get you where you want to be when you're seventy nine? Yeah, I don't know.

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I mean if we could a renovated forty year old double wide. Twenty years from now we'll be a renovated sixty year old double wide era.

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Yeah there's, I mean you can do whatever you want. It's yours. All right.

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I'm just one of the things that helps me make better decisions financially if I can project out there and go. Is the 79 year old version of Gaylene going to be looking at the fifty nine year old man? You were so smart or that was foolish? Because I look back at the younger version, Dave, and most of the time it was foolish.

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Yeah. Yeah. Oh, man. This is the Dave Ramsey Show. Anthony O'Neal Ramsey personality is my co-host today, open phones, a triple eight eight two five five two two five on the debt free stage in the lobby of Ramsey Solutions.

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Lauren, as well as I. Lauren, how are you? Hey, Dave, how are you? Good to have you. Where do you live? Denver, Colorado. A bit of a trip to Nashville to do a debt free scream. Yes, very cool. How much have you paid off?

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Fifty five thousand two hundred and one dollars. Good for you. And how long did this take? Thirty four months. Wow. And your range of income started at 50000 and up to 74 and then back down a little bit.

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Good for you. What do you do for a living? I'm an account manager at the College for Financial Planning. Oh, well, there you go.

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That's the old CFP land. Yes. All right. Very cool. And what kind of debt was the 55000? Mostly student loans. Had a small credit card in there, paid off a cell phone and then cash flow to car during that time as well.

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You paid off a cell phone? Yeah, I did. Oh, yeah. You're really normally leasing it. Oh, yeah.

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OK, so you work with financial planners. What happened turns you on to getting out of debt thirty four months ago.

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I actually started the position about 34 months ago. OK. And so that was what really ignited my fire. I had a friend that was cheering me on saying you can pay off your debt. It's totally possible. I was like, I don't make enough money for that. I got a newer position started at the College for Financial Planning, and that's what really kind of made me realize I'm surrounded by this all day. There's no reason that I can't work hard to pay it off.

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Yeah. Wow.

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How'd you get connected to us? So my friend Chris Basinski recommended you. He paid off his student loans. He gifted me the Total Money Makeover book. Wow. And so when I started at the college, I started reading the book and it was game on from there. OK.

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So surely some of the people around there were cheering you on. Oh, yes. Yes. I've had nothing but support from my co-workers, my family, my friends. Everybody has been super excited for this, so.

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Well, we're excited for you. Well done. So very proud of you.

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So the Total Money Makeover book and the new job got it going and going and then hustling my butt off to jobs. So when you say for jobs. Oh, yes. Yeah. How many jobs actually did you have.

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Oh gosh. Throughout the whole process for five different things. Catering was always a big one for me. I bartended for the Denver Broncos. I did a grocery store, all kinds of stuff. Yeah. So that was really accelerated.

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What made you the most money for the hours spent as your extra job? Catering for sure. There's a lot of food. There's a lot of potential to be making a really good hourly wage. And then tips on top of that certainly help. And you're going to go and see different places. It's an amazing.

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So you were working catered events. You weren't the caterer both.

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So I don't actually cook. I'm like the bartender, the server that OK, you know, the front house type person. I got you. OK, well, so what was the hardest thing throughout this journey?

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I think the discipline was probably the hardest thing and just realizing I can do it if I set my mind to it. When I started, I was 27. I told myself I'm going to be debt free by thirty, but I had no idea if that was actually achievable. It did happen. Very happy about that. But just reminding myself when I was working all the extra jobs and saying no to so many different things that it was going to pay off.

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So keeping the why important.

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So you're that you're thirty years old. You're one hundred percent debt free. How's I feel. That's amazing. It's been six months and it still doesn't feel real.

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I'm so proud of you. I don't see a ring on your finger too. So that's a good thing. Yeah. Yeah, just me. No headaches. No headaches.

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No. Oh you can say something like that. I say that. Yeah. Oh man. Well done. Well done.

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So what advice do you have to a twenty seven year old single young lady with overwhelming student loan debt.

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Because it was overwhelming. It was it was crushing. It was Denver, Colorado crashing.

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Didn't didn't believe it could be done. Mm hmm. What advice do you have for them. What should they do and can they do it. Say no to everything.

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You can have fun later. I had fun along the way, definitely. But it's very important to just keep the mindset that you can do it, you can pay it off, work hard, be successful and keep your nose down. There's plenty of time to still do everything that you want to do. The budget is extremely important. I have the cash envelopes that I use the whole time. I got a lot of, you know, teases for that.

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It's funny, it was funny and all of that, but it really did. Once I started hitting the end was like, OK, wow, this is actually going to happen. So just stay the course is the biggest piece of advice. Yeah.

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So you're a young millennial. What's next? You're debt free. You have freedom. What's next? That's a good question.

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Well, finishing the emergency fund. Yeah, that's next. That's next. That'll be next month. And then after the. I mean, I want to start saving money for a down payment on the house eventually. That's that's the big, you know, the big thing. But money in account, my cars that I can do doesn't carry any minute now. You know, I need a new one, so I'm just moving up in a car. That's an exciting thing for me and just continuing to have the freedom to do what I want to do.

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Money's not holding me back.

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You got margin now. Yes. Well done. Yes. So who are your biggest cheerleaders?

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Gosh, it's so hard to there's nobody that was not a cheerleader, honestly. Wow. My family's here with me, my mom, my dad, my two sisters, big supporters, my entire extended family, big supporters.

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They just went for a girls trip to Nashville. For me, that's all they wanted. We know about. It's been there. Yeah. Yeah.

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Are they debt free? Are they on the journey as well? They're on the journey, but lots of big ones over here. Go. My sisters paid off a lot. My mom paid off car early. Oh yeah. Everybody's working. Everybody's working to do this. You're doable. You've inspired everybody.

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Yeah. I'm so proud of you. Thank you. Very, very well done. And it's good to know in the College of Financial Planning that there are wise people.

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Yes. Yes, I know.

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There's a bunch of them. I'm just kidding. Yeah. You could be leading the way over there. Yeah, that's fabulous.

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So well done. So well done. Well, we've got a copy of Chris Hoggins book for you everyday millionaires for sure. That is the next chapter in your story. You are well on your way, young lady. Very well done.

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Very well done. That's impressive.

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I'm really impressive. I was about to say something, but I'll talk about her on my show. Oh yeah. Because I like her.

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She's real cool. I just want to make sure that her future husband knows he he need to be either on the journey to becoming debt free or debt free.

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That's if he's not even a future husband. Hey, there you go, Dave. C.C.C.. Yes. I didn't want to say that I choose this one. I'm picking on anybody else. I can just tell you.

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Hey, good job. Well done. Good job. All right. Lauren from Denver. Fifty five thousand dollars paid off in thirty four months, making 50 to 70 for countdown. Not zero debt free scream.

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Three to one free.

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Yeah. I I love it very, very well done over your 25 years of doing this, have. I'm curious to ask you a question as far as in we're seeing more and more of younger and younger individuals coming here, paying off debt, paying off student loans. From the Uncle Dave perspective, how does that make you feel, seeing that, you know, these young people are getting the message and are moving forward?

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Yeah, well, I started the show. Thirty two. Yeah, it was young then. Shut up.

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That was not the point. Shut up, Anthony. The. Yeah. So my point is, is that I was their peer.

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Yes. Much like you. Yes, sir. And so I was the focus group. Yeah.

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It was my friends and people like my friends that I was talking to. Yeah. And so we had a lot of 30 to 34 year old, not as much of what we call millennials today, but they were, you know, Gen Xers.

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Yeah. You know, like Thompson's age.

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Yeah. Kind of thing. Right.

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That we're coming through just slightly behind me. Maybe they'd just been maybe I'd been married five years and they've been married or maybe I'd been married ten years and they've been married five or six. And maybe I had kids three years older than theirs, but we both had little kids are like, you are talking to people that age group. Rachel's talking to people that her age group with those little kids, that kind of thing, or you're talking to single millennials.

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But the beauty of what's ended up happening with the show is with the advent of podcasting and the advent of YouTube, we've been reaching a younger audience than traditional radio reaches. Yes. And we want to reach everybody. But it is a lot of fun taking the calls from these. Twenty four year olds, 30 year olds, twenty eight year olds, twenty seven year old boy, six year olds, single or otherwise, and are doing this. So, yeah, from a legacy perspective.

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Papa Dave. Grandpa Dave. Yeah. Yeah, it's cool. Very cool. Proud. I mean, she's my kids OK. Yes. So you know that's that's awesome. It's very cool. This is the Dave Ramsey Show and. Anthony O'Neal Ramsey personality is my co-host today, open phones at eight eight two five five two two five. If you feel like you're stuck in, you're always going to be in debt. You're overwhelmed. You don't think you're ever going to get out.

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But I don't have to be that way. It is time for a new way of thinking.

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You have to believe you can get rid of the debt and you've got to take control in order to do it. We can show you how. And it won't take nearly as long as you think it's going to hurt. It's going to be hard, but it won't take twenty years with Ramsey. Plus we'll kick you off with ninety days of guided help so you can put more of your money back into your account. And you need to learn practical ways to get small, consistent wins that add up to big results and better habits.

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You're going to change, transform and that means you're going to get to where you want to go and you're going to get there faster than you thought you would be debt free and wealthy and outlandishly outrageously generous. So get Ramsey plus and start living the life that you want faster. If you want to do a free trial text, text the word trial two three three seven eight nine. Text trial two three three seven eight nine. Valory is in Chicago. Hi, Valerie.

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Welcome to the Dave Ramsey Show. Hey, Dave, thanks for taking my call today. Sure. What's up? So I'm twenty. I am almost going to be twenty five in two months and make sixty thousand dollars a year at a job I completely 100 percent hate, I have no savings. I live paycheck to paycheck and I have several addictions that hold me back and cause me to take out cash advances to the point where I am a thousand dollars in the hole every time I do a deposit.

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I've been a chronic marijuana smoker for like seven years now and I have been basically eating a straight up overeat and Jordache for like every meal. I mean, I haven't cooked in the moment.

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You smoke a lot of pot. You're hungry all the time. Who knew? Oh, my God.

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On the day something happens between the hunger pain. But like, I just work out and then there's a transaction and someone's at the door and it just happens every time. And I just can't I can't seem to get a handle of it just, I don't know, discipline. And I want to grow up so bad. And yet I want a certain life for myself. And I just feel like I'm constantly carrying around all of this like shame and guilt because I just can't seem to get it together.

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And I know what I have to do, but I just don't know how to start. Valerie.

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Before we talk about, you know, this, I have one quick question, because you say you're in a hole a thousand dollars a month. What what kind of debt do you have? A payday lender?

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You say, well, OK, so I have general debt, like I have a car, repossession and stuff like that, and a couple of medical debts that are like 10000. OK, but I when I say a thousand dollars in the hole, I mean, I have like 10 applications and sold on my phone where I can get a cash advance, like, instantly. And so I literally go one by one down the list and I just do whatever I need to do to get the next, you know, bad leaders deal or whatever.

[00:32:43]

Here's the thing I want to say.

[00:32:44]

And then we know, you know, Dave is going to chime in to as well. But I will. I will. I want to commend you for at least admitting the first step to anything to move before is admitting and acknowledging the fact you have a problem since you came on the show and you said that. The second part of that is, though, Dave and I can't give you discipline, you can only give yourself discipline. And as I listen to you, one of the key things that I hear, we can give it a practical steps on how to get out of the situation that you're in.

[00:33:14]

But it's so much deeper than just that. There's so much it sounds like you don't have a reason deep down inside of yourself to why you need to stop and why you need to make a decision. So you keep going back and back and back into it because there's there's nothing deep down saying stop. There's no reason why that when you feel like getting another bag away, when you feel like getting some more food, when you feel like going and doing this, nothing can stop you deep down.

[00:33:40]

And so I want to I would encourage you not giving in practical today. I want to encourage you to spend some time today to really sit down and ask yourself why why do I want to give up smoking? Why do I want to give up this and ask yourself that five times? And by the time you get to the fifth answer, you should be in tears. You should be emotional. That why should make you cry and that why will push you through the price of commitment of what is going to take to stop smoking, to stop living a life of not having discipline.

[00:34:12]

And that's one thing that I would encourage you. I never had smoking problem, but I did have the eating problem. I did have the chasing lady's problem, you know, and I had to really develop a wiser you know what? I'm tired of living this life and I'm tired of living this life because I want more for my kids, more more for my future. And that why push me through? I've seen No.

[00:34:34]

So I really you know, I mean and I want to say so much more, but that the only time people change on anything, whether it's, you know, eat a bag of Oreos, whether it is any any, just pick a destructive habit that we all have destructive habits or destructive tendencies.

[00:34:56]

The only reason we ever stop doing them is when the pain of where we are, the disgust with the person in the mirror becomes so great that that pain is greater than the pain of change because changing is always painful. Agreed. Yes, very painful.

[00:35:17]

Yeah, not doing things the way you've done them and radically detoxing your body, getting on an exercise program, eating healthy, obviously stopping the drugs, all of those things are, you know, doing anything that's different than the way you've been doing it, even if the way you're doing it's destructive is painful to change.

[00:35:42]

And only when the pain of shame, the pain of where we are is great enough. And it doesn't have to be a it doesn't have to be an external pain. It don't have to be. The doctor says if you don't stop this, you're going to die. Now, that would be an example when we go, OK, I'll stop it.

[00:35:55]

Right.

[00:35:56]

I don't to die, but it can just be what I heard in your voice as you were describing this was.

[00:36:06]

When you're in this this loop, you don't like you, you don't you don't respect you don't respect yourself.

[00:36:16]

I'm not.

[00:36:17]

I mean, you know what I'm saying? I mean, like, if you were it's almost like you were outside of yourself looking in and go, you know, this chick smokes weed and, you know, orders everything in sight, has no money and it's in a chaotic life.

[00:36:31]

I don't know who this woman is. And you're looking like you're looking in from the outside. And I heard that kind of disgust in your voice. Didn't I say it's there and I'm not trying to shame you, I'm saying that can actually be a building block and you go, you know what? Yeah, I'm sick and tired of being sick and tired. Les Brown, the great motivator. And you're going to look him up on YouTube. He's fun to watch.

[00:36:57]

Says people change their lives when they finally say that's it.

[00:37:01]

I've had it. And Anthony's right, I can't do that for you, I can just believe in you that when you do that, you're going to see a tremendous change.

[00:37:12]

But it does come. I like you. I like his suggestion.

[00:37:15]

Best of all, we need to have what is a really good reason. For you to break this cycle. To be honest, I watch a lot of videos about entrepreneurship, but I know that if I can't even handle my food bill, I can't handle capital or people.

[00:37:33]

OK, there we go. Yeah, like that.

[00:37:36]

I want to start my own business. And until I get my crap together, I'm not going to be able to do anything at that but fail, that's what you just said, right? That's exactly what I said now. And so there's a good y yeah, I'm going to clean up my crap here, so clean up my life so I can start my own business and be a successful entrepreneur because I want that more.

[00:38:02]

Then I want to sit and watch Netflix reruns in order to to smoke a joint. Yeah. I then ask yourself, why do you want that business? Yeah, why is it you want to run your own business? That's a good question. I think that you hate your job. I work I work in like health care, like finance, and I feel like a cog in the machine. You hate your job. I wanted something more meaningful for a long time.

[00:38:28]

I want to do something where I can actually help people and do something that matters. Did you just say that? That's exactly what I said. That's a good why. That is a good reason to straighten up your crap girl. I like you. You're awesome. Call us back. Tell us how you're doing, OK? Hold on. We're going to put you into Ramsey plus and help you with the money stuff. But you won't fix that till you fix the other stuff either.

[00:38:50]

We're going to help you anyway. They call us back and let us know how you're doing. This is the day Ramsey Show. This is James Childs, producer of The Dave Ramsey Show. 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? Where what is the debt snowball? Find out more about Dave Ramsey, Dotcom smart speaker.

[00:39:20]

Money isn't the only thing we talk about around here, get life changing advice on your career from my good friend and career expert Ken Coleman. Oh, my Ken Coleman show. According to a recent Gallup poll, nearly 70 percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, the Ken Coleman show is for you. Everyone has a sweet spot. Your sweet spot is at the intersection of your greatest talent and greatest passion.

[00:39:50]

We will help you discover what it is you were born to do, and then we'll help you create a plan to make your dream job a reality. You matter and you have what it takes. Join the conversation on the Ken Coleman show. Hear more from the Ramsey network, including the Ken Coleman Show, wherever you listen to podcast.

[00:40:10]

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.