John Ashley Brandon Abigail, Louisville, Shannon discussed on Clark Howard
Shannon and Ashley are in the lobby. Of, Ramsey solutions. Hey guys how are ya hey? Dave 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 a 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 do you guys. Do. For a living so my husband's a. Physical therapist and. I stay at home with our kids. And since being coming. Debt free I've started a family. Trouble block to oh very good good for. You guys fun so one. Hundred sixty. Seven thousand dollars that's. A lot What does that, include that'd. Be our. House you paid off your house I'm looking? At where people you know what they say about normal normal socks and you're not why 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 You got no debt Great man how fun five. And a half years so you start this whole thing? In. Your early twenties yes say twenty four. Twenty three years old, you get you say we're gonna. 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 gas Wow and so you had no dad at that point except the house and. You decided to go ahead we're going to the what inspired you to do that. At 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 all 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 the. Money thing 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 to. The, point where. Is this time to knock it out all. The way so you reach you looked. Up a couple of. Years ago could really see the light, at the end. Of the tunnel there's not a trace knock this out sprint to the finish yeah good guys how's it feel you. Three years old you don't even have a. Payment, feels pretty good life at baby step six. Was pretty good I. Mean we had some good things took some, fun trips all that stuff. But life of baby step seven is pretty awesome I can tell Now. You're going to be so. Rich and, you'll be so generous you've completely changed your life, in 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 was 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. And 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 just worked plan and went along and did it wow. Yeah your specific income because everybody, else that works for you people like may yeah yeah so you have people saying you're crazy Maybe not crazy but, that may be. Close. Yeah. Maybe good for you but not for Thing yeah. Which, is pretty much saying, you're crazy yeah 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 in the hallway so. We haven't had anyone that has just acted like we were insane That's. Good very cool and along the way you had some kiddos yes sir And. What I just name's Braden is six Abigail? Four, okay Down to DisneyWorld, after this so yeah well, we? Gotta stop. By and see but Mickey is saying man 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 Yeah that's adult Disneyland right there. Man done you guys so well then what do you tell people the key to getting out of, debt as 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's 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 it's just you're gonna 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 kinda 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. It's, 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 will approve, 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 I like that, gets us excited and you're gonna 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 call foundations and personal finances now in. About about fifty three percent of the hospitals in America are now teaching things 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 done, 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 stop buying the 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 counted, down, let's hear, a debt. Free scream Ready three two one.