Listen: Ashley, Dave Ramsey, Thomas discussed on The Dave Ramsey Show
"So you've attacks what is your household income Thomas, Phil tricky questions based Owlry? One thirty between the two of us right on I have a profit sharing bonus. It's lovely twenty to forty thousand a year. Okay. Mitch and sales person on top of that. So, you know, the sky's the limit with that, one of the somebody made a million last year, another one hundred thousand so kind of thing. So tell me this, you being a commissioned salesperson, how long have you been doing this career by just started in January or you just started what did you do prior? Thank. I was just on the engine nearing side. And now I'm on your side, and they basically just move my salary over which will take a hit next year. Give you about a you get your ram. Right. So what's your goal for twenty nineteen? I know you talking to you, you are goal oriented and motivated. So what are you going to make this year? My in with everything have laid on my type line. I'll probably around fifty okay. Three hundred total between my wife and myself. Okay. See I figured you'd be in that range. So here's the deal, and I know you know, this we're going to attack and pay off these cars, and we're going to drive them, right? Anything else you do moving forward. You're going to do with cast, you've been investing. You've got an emergency fund, so you right. You had some issues going, he did some stuff out of order bottom line is, is now your focus because you've been attacking debt, you paid off the credit cards, you paid off the student loan. Now you've got these two cards. You got forty grand standing in the way. And then all you're gonna do shift and go from investing ten percent to get up to fifteen right? And then you start to kind of work forward with the baby steps a besting fifteen percent baby step for saving for college for kids, right attack in the house paying it off. Then build wealth and give and you don't have a cap on your income. So you've got an opportunity Thomas. Let me tell you something, my friend. You know the thing you gotta watch out for is deserve. Yeah. Oh, y'all, y'all know about deserve. Yeah. Oh, yeah. That's a terrible disease, right? Because you feel like you deserve some stuff. And the problem is, is that you want it because you working hard or you'll do it and people will end up doing it with debt. And so it comes with a penalty, and so I'm okay with people having some stuff, once you get yourself out of debt. I just want you to save up pay cash for it, it just feels better. And it's better for you long term Thomas. Thank you for tuning and thank you for calling in my friend. And I wish you well on your journey. All right. I'm going back to the phone. I got Ashley on the line. Ashley is in Denver, Colorado. Thank you for calling. I pay six having me all your very welcome. Young lady, how can I help you? Me. And my husband has been married for two years. And we're about to buy a home, and then we came across Dave Ramsey. And so is kind of put those things on hold for right now, trying to pay off her debt. How are we came into a little bit of a cross rose where he wants to do something else? And I wanna do something else if our savings, and our retirement contribution goes, so kind of figure out what the best route for us to go together. Okay. So relatively newly ridge been married. Two years, okay? And you have one kid, how old is your kid too much two months? Congratulations. So I hear it in your voice. You actually you're more tired than you've ever been aren't. You. Without a doubt. Yes, you are. So tell me what is it? You and your husband are disagreeing on. Go right now. We have a hundred thousand dollars gross income.."