Louisville, John Ashley, Brandon Abigail discussed on Dave Ramsey
Ninety two. Three FM John, Ashley, are in the? Lobby, of Ramsey solutions hey. Guys. How are ya hey thanks? For having us absolutely, where, do. You guys live we live in Louisville Kentucky wonderful and all the. Way, down here. To do your debt free scream? Yes sir bond how much have you paid. Off. We have paid one hundred sixty seven thousand right how long. Did, this. Take about five and a half years okay. Cool and your range of income. During that time so started off at about eighty and then. Through variety. Of income. Sources ended about one sixty doubled it? Very cool what are you guys, do for living so my husband's a physical therapist I stay at home, with our kids and since being coming, debt, free I've, started a family travel. Block. To oh very good good for you. Guys fun so. One hundred sixty seven thousand dollars that's a? Lot what all does that include the our house you paid off, your house I'm looking at where people do you know what they, say about normal normal socks and you're, way, to go, guys you're young to. Have. A paid for house how old are. You guys I'm. Thirty one and my thirty year old wife? Looks like she's twenty five She's got no debt Great man how fun five. And a half years so you start this whole thing? In, your. Early twenties yes sir twenty four twenty three. Years old you get have you say we're going to? Pay off our house? What's the house worth it's probably worth. About two seventy five, that'd be a guest but I know. That it's paid for Yeah It's okay to. Guess Wow and so you had no dad at that point except the house and you. Decided to go ahead we're gonna. Pay off this house really what inspired? You to do that it's. Such a young age so we actually part of our senior required curriculum for our school was your course and thought that was such a great way to have. Such a good foundation so we got married at nineteen and twenty. And senior high school You took the foundations course yes sir Oh my gosh our curriculum, so although we were young and married. We'd probably didn't make the best choices I don't also think we made any horrible choices and so that. Started us off on a good, foundation and then when we got married we kind of just looked at it the marriages around us and it seemed like finances were either abundantly. Blessing marriages or just, absolutely destroying them? And we felt like you know what if we, can just do one thing really well. This, is a. Good place to start no that's good that's. A good way of looking at. It money things such. A big thing let's get that right, and then we'll. Work on other good very good fun so you lean into the mortgage and you pay off a hundred and sixty. Seven and five and a half years so. That's, like thirty thousand bucks a year yeah we. We did some things. Along the way on the front end we, had to buy a couple. Of cars pay four finished our basement so we did like one hundred. Eleven, thousand. In, the last, two years oh wow yeah they're really really got it to. The, point Whereas this time to knock. It, out all the way so you reached you. Looked up a couple. Of years ago could really see the light, at the end of the. Tunnel this not a trained let's knock this out sprint to the finish. Yeah, good. Guys, how's it, feel you your three years old Remember payment feels pretty good life baby step six was pretty good I mean we. Had some good things took some trips all. That, stuff but. Life of baby step seven is pretty awesome Yeah you're gonna be so rich and you'll be. So generous, you've completely changed your life and your family, tree that was, so proud of you so did you have cheerleaders We did I think one of the things that we looked at was. This, was something we were really, doing for us so between. The two of us that was really what we tried to make sure this building. Our relationship with each other One of the things that we did find that was kind of funny it seemed like. A lot of people are specific income is the only income this plan would workforce so we've found a lot of people that made more. Than us. Than than it need this plan or made less than I think it would work for them so it's kind. Of humorous for us along the, way just to kind of see because we worked plan and went along and did it Wow yeah your specific income because everybody else's that works for you People like may, yeah yeah so you have people saying, you're crazy maybe not. Crazy. But maybe close maybe good for you but not for Thing yeah, which is pretty much, saying you're crazy So who is your? Best, and biggest cheerleader other than each other I mean all our family. Has been super super supportive and cheering, us on, the whole way so we haven't. Had anyone that has you know just acted like we were insane That's good very cool and along, the way, you had some kiddos yes sir Ages and names Brandon is six and Abigail? Four, okay Headed down to Disney World. After. This Oh yeah well, we gotta stop by, and, see day. But Mickey. Is saying man that's right that's right bring it Mickey happiest place. On, earth or. Whatever they call it yeah very fun happiest place on earth is called your. Street address For house that's adult Disneyland right there man well done you. Guys so well then what do you tell people the key to getting out of debt is well, we hear people talk about. All? The time and talk about your y and I think that's that's the answer that. We would land with and so one, of the things that I look at from watching some cynics video from the beginning you've got to define that why until it so tangible and so clear and so specific that it gives? You goosebumps and if you're so inspired by, that the mechanics of doing a, budget in the what the outcomes of the baby steps, along the way you're going to do it because it's just. That you're so inspired by what you're doing probably when I was probably fourteen years old I was listening to the radio. And this guy was screaming and ranting a little bit, and he said something that stuck with me a little bit and. Here's what you said didn't opportunity is missed. By, most. People, because his dressed in overalls and it, looks like work and, so. When you're. Inspired to. Do something like that the extra work is a blessing and the. Opportunity, to do. That just become something that it's not necessarily easy But it makes it so clear, so worth it when you. Know? Exactly why you're doing it and so for us our why in a very practical. Way is we want to honor the, Lord with our finances we want to improve our marriage we know that it will improve our marriage we know that it'll prove our legacy that we leave for our children we wanna have? Give crazy generously and we want to have, a lot of fun traveling so, like that gets us excited you're going to get to, do every bit of that and more well done you guys. I'm very proud of you that's so neat fourteen years old he's listening to the radio and you take the class as. A high school senior our high school curriculum which those, of you out there that don't know we've got a high school curriculum foundations and personal finances now in about About fifty three percent, of the high schools in America are now teaching it thanks so we're getting there but while. You guys are you're the fruit. Of that are edges are Ed solutions team. Will be so thrilled to hear this particular debt free scream very very. Cool good stuff good stuff well you guys very well done we've got a copy of. Chris Hogan's book for you retire. Inspired and that's the next chapter to be millionaires and outrageously generous which is your plan. Obviously well done John Ashley. Brandon Abigail from, Louisville on the. Way to Disney stopped buying, a debt free scream hundred sixty seven thousand paid off, five and a half, years make an eighty to one sixty that's their. House and everything at thirty one years old countdown Matera. Debt free scream Is ready right three two, one.