35 Burst results for "Dave"
Reviewing financial institutions crypto strategies and their consumer potential
"9 p.m. Monday, November 7th, 2022. Reviewing financial institutions, crypto strategies, and their consumer potential. Dave Devon, executive vice president, cipher trees, a Mastercard company, speaks to finished TV at sybo 2022 to recognize how financial institutions can identify their crypto exposure with on and off chain data the importance of a crypto network and how financial institutions can instill trust in the crypto ecosystem for their businesses and customers. The post reviewing financial institutions crypto strategies and their consumer potential appeared first on cipher trees.
Rachel Bovard on What Makes Trump Different
"Joining us now is Rachel bovard, who wrote a very interesting piece of The New York Times. What makes Trump different from desantis and other Republicans, Rachel is with us right now, Rachel, welcome to the program. Thanks for having me. So Rachel, why don't you summarize the piece for our audience and we'll dive into it from there? So the piece really looks into what I think is the appeal of Donald Trump. And I think people in Washington, particularly establishment Republicans, and even sort of what I call a conservative intelligentsia, missed this. And this is exactly the dynamic I saw play out in 2016 and it's going to play out again in 2024 because people in leadership of the Republican Party have no idea still have no idea why it is that Trump won. And it is this visceral connection that he has with his base voters who trust him implicitly. And interestingly, Dave Chappelle honed in on this, I think, really well when he was hosting Saturday Night Live recently. I don't watch Saturday Night Live personally, but I caught this clip and I thought he articulated it extremely well. He said, look, I live in Ohio. You people have no idea why Trump is so popular there. And he said, Trump is what I call an honest liar. And what he meant by that was, you know, he pointed back to this debate that Trump had with Hillary Clinton in 2016, where Trump basically said, look, I know the system is rigged because I use it. And that was just, I think, distilled to its essence, the why people trust Trump the way that they do. Because he set out loud as a beneficiary of someone at the top of the system who benefited from how it's going to rigged and corrupt toward the top. He set out loud what everybody at the bottom has long suspected, which is that the system itself is rigged and because he benefited from it. He had tremendous credibility in pointing that out. And so people, I think, who vote for Trump really see him as someone who can not bend the system because he's been part of it.
Steve Kuclo: Keep at Least a 90% Good Diet
"Here's a cool one I want to get your take on this because you know Steve I know you work out really hard I mean I follow you on Instagram I see it You're strong too But most bodybuilders are strong but even if you go back in the day and you look Arnold for a bodybuilder Arnold Schwarzenegger who was the guy at the time at 7 8 time Olympia champion whatever it was a comparatively speaking he didn't really lift that heavy compared to like a Franco Colombo or a Dave Draper type You're a strong guy You throw around you Nick walker big Raimi you throw guys throw around a lot of weight But I think you'd agree a guy told me in the gym about ten years ago All of you guys work out hard The real key 90% of this is the knife and fork the diet isn't it When you're in your professional bodybuilding space you live in A 100% I always say you can't out train a bad diet You know whether your goal is putting on muscle or losing body fat or just general health and wellness altogether you need to make sure your diets I always say like at least 90% good because it's 90% of what year will be able to achieve in or out of the gym So it definitely died is huge
Rare buzzer-beater helps outmanned Nuggets beat Mavs 98-97
"The nuggets received some help from video review in a 98 97 win over the Mavericks Vlatko chanchu are hit a buzzer beater from near mid court when the final two seconds of the first half were replayed after the break Luka Dončić thought he had a buzzer beater to put the Mavs ahead by 7 at intermission but replay showed he stepped out of bounds That gave chance to our chance to drain a long tray that made it a one point game at the break Michael Porter junior hit the deciding three pointer with 55 seconds left Bones highland scored a career high 29 points for Denver Josh green had a career high 23 for Dallas I'm Dave ferry
Thompson nets 10 3s, has 41 points in Warriors' 1st road win
"The warriors have their first road win of the season after Klay Thompson and Steph Curry led a one 27 one 20 victory over the rockets Thompson had a season high 41 points going ten of 13 from three point range and 14 of 23 from the field When you hit ten threes I can can't say they're open and it's just something for me to build on You know I've been really wanting a game like this so it felt great to just let that thing fly and play with a three month curry added 7 trays and a 33 point night and had a season high 15 assists The warriors shot 51% from beyond the arc going 24 of 47 I'm Dave ferry
Irving returns, Simmons scores 22 as Nets beat Grizzlies
"The nets were one 27 one 15 winners over the grizzlies and the return of Kyrie Irving The Brooklyn guard had 14 points in his return from a suspension You're so good to get this game out of the way And now we can move forward with the rest of the season Ben Simmons had his first 20 point game since the 2021 playoffs Finishing with 22 I know I can do I know him careful of And I'm not surprised Kevin Durant chipped in 26 points giving him at least 25 and all 17 games he's played this season The nets led by just three before opening the fourth quarter on an 18 5 spurt Dylan Brooks poured in 31 points for the grizzlies I'm Dave ferry
Tarasov turns back 46 shots; Blue Jackets beat Panthers 5-3
"The blue jackets won for the fourth time in their last 5 home games by topping the Panthers 5 three Boone Jenner scored twice and Johnny goudreau had a goal and two assists as Columbus handed Florida its third straight loss Goudreau says the game turned when teammate chunk rally scored a shorthanded goal to put the jackets ahead to stay You could just see our confidence just go straight through the roof there And we were playing in Arizona even with the lead And it was fun It was a big goal by girls Danielle Tara saw faced a career high 49 shots stopping 46 in his first win since October 23rd I'm Dave ferry
Garland scores 25, Cavaliers blast Heat 113-87
"Darius Garland and chetty Osman led the Cavaliers to one of their best games since a 5 game skid a one 1387 ride of the heat Garland provided 25 points and Osman added 20 for the calves who went on a 21 two tear in the second quarter to open a 19 point advantage Evan mobley had 15 points and ten rebounds for Cleveland which outscored Miami 67 37 over the second and third quarters The heat have dropped their last 6 road games Bam adebayo scored 21 to lead Miami after sitting out the previous two games with a bruised left knee I'm Dave ferry
Cowboys crush Vikings' 7-game win streak with 40-3 romp
"The Viking 7 game winning streak has come down to a crashing halt with a 43 loss to the cowboys Tony Pollard had a career high 189 yards from scrimmage and grabbed a pair of scoring passes Ezekiel Elliott had two touchdown runs in his return from injury And dak Prescott was 22 of 25 for 276 yards and two scores Signing Pollard's praises after the game I've continued to say the guy's special He can do a lot of different things to help this offense on this team And he's just continuing to show up day in and day out Dallas didn't punt until it's 8th possession and sacked Kirk Cousins a career high 7 times The cowboys are 7 and three the Vikings 8 and two I'm Dave ferry
Payne, Booker lead Suns to 116-95 win over Knicks
"The sun shut down the Knicks in the second half to close out at one 1695 victory Phoenix limited New York to 34% shooting after halftime after carrying a 55 53 lead into the break All 5 sun starters scored in double figures Camera pain was high man with 21 points I know our points abuses will come down to the first chord and I set the tone And I just try to bring my intensity try to bring my defense be aggressive defensively and get stops get on the board Devin Booker had 20 and Deandre ayton added 13 with 11 rebounds Jalen Brunson had a game high 27 points on 11 of 21 shooting for the Knicks I'm Dave ferry
Williams' 470 passing yards puts No. 7 USC over No. 16 UCLA
"CFP number 7 southern cow has clinched a spot in the pack 12 title game with a 48 45 shootout win over number 16 UCLA Caleb Williams passed for a career high 470 yards completing 32 of 43 for two touchdowns Austin Jones also helped the Trojans crawl out of a 14 zero gaining a season high 120 yards on the ground So I was definitely really big you know energy of both sides and it was kind of the game you wanted you know what I'm saying it comes down to the wire hard fought with and great team win Dorian Thompson Robinson accounted for all 6 UCLA touchdowns but he also had three interceptions in a fumble I'm Dave ferry
Daniels, Cain power No. 6 LSU to 41-10 victory over UAB
"Noah Cain and Jaden Daniels highlighted LSU's offense in a 41 ten route of UAB Kane scored on three short runs as the CFP number 6 tigers improved to 9 and two His third TD gave LSU at 28 ten lead just before halftime Daniels had touchdowns rushing and passing He threw for 297 yards and ran for another 111 on 12 carries Daniel's top target was receiver Malik neighbors who caught 7 passes for 129 yards The blazers mustered just 48 yards rushing after entering the game averaging nearly two 50 a game I'm Dave ferry
South Carolina runs over No. 5 Tennessee 63-38; Hooker hurt
"South Carolina has destroyed Tennessee's national championship hopes by crushing the number 5 vols 63 38 Spencer Rattler had his best game since transferring to the gamecocks Throwing for 6 touchdowns and completing 30 at 37 for 438 yards We knew this game and obviously the next one can change the narrative of the program forever And tonight man that was one of the best wins ever in college football history Josh van and jaheem bell grabbed two touchdown passes a piece and Antoine wells had 11 catches for 177 yards to help the game Cox improved to 7 and four The vows have dropped two of three since an 8 no start I'm Dave ferry
Young hits Griffin for OT buzzer-beater, Hawks top Raptors
"Trae Young and AJ Griffin hooked up for a buzzer beating layup to give the hawks a one 24 one 22 overtime win against the raptors Young threw a long pass to Griffin for the winning bucket one of young's ten assists He also had 29 points for the hawks who trailed one O 8 one O one with two 36 remaining in regulation We've got to go on Ryan They want to run We went on run So long game So we just can't stop at any time And we knew we had a chance come back in the game we just kept learning Griffin scored 8 of his 17 points in OT Scotty Barnes dropped in a season high 26 points and OG I don't know be had 23 for Toronto I'm Dave ferry
No. 1 Georgia tops Kentucky, goes unbeaten in SEC again
"CFP number one Georgia relied on its running game under cold windy conditions earning a 16 6 victory at Kentucky Kenny mcintosh was the bulk of the bulldogs offense rushing for 143 yards on 19 carries We knew it was hard to throw the ball out there in those conditions so we just knew we needed to keep the ball on the ground and I just wanted to be all the running backs you know it was something that I was going to run and that just means when I think Mcintosh scored on a 9 yard run to put Georgia ahead 16 nothing in the third quarter The bulldogs rolled up 247 yards on the ground while stetson Bennett was 13 of 19 passing for 116 yards I'm Dave ferry
TCU stays undefeated with a last-second 42-yard field goal made by Griffin Kell
"Pulling out a 29 28 win at Baylor Griffin kell kicked a rushed 40 yard field goal on the final play Capping a comeback in which the horned frog scored 9 points in the final two O 7 to CFP number four horned frogs got a big three and out from their defense after Amari Demarco's three yard scoring run concluding an 11 play 90 yard drive Max duggan was 24 of 35 for 327 yards one touchdown and one pick for the 11 or no frogs The bears lost despite racking up 521 total yards I'm Dave ferry
Devils beat Senators, stretch winning streak to 12 games
"The devil's improved to 15 and three with their 12th consecutive win 5 one over the senators Michael mccloud and you gore Sharon govich each had a goal and an assist for New Jersey which is one away from matching the longest winning streak in team history Eric hala opened the scoring with a power play goal 7 ten into the game The devil's also received goals from jesper bokeh and Nathan Bastian Akira Schmidt stopped 25 shots and blanked out of what until Derek Broussard beat him late in the second period The Devils are the second team to 30 points this season Joining the bruins I'm Dave ferry
McClellan has career day, No. 8 Bama tops Austin Peay 34-0
"Jase mcclellan and Jermaine Burton led CFP number 8 Alabama to a 34 zero win against Austin P mcclellan rushed for a career high 156 yards and two touchdowns for the crimson tide who forced three turnovers in their second shutout of the season Mcclellan started in place of jameer Gibbs and helped the tide improve to 9 and two I felt good you know just doing ten years before my coach has a book It felt good to just go behind the old Burton had his first 100 yard receiving game since transferring from Georgia grabbing 7 passes for 128 yards and two scores I'm Dave ferry
"dave" Discussed on How I Got Here with Dave Fiore
"He put me in touch with a guy named Troy bloom, who did an awesome job and we went back and forth a few times. He was great to work with. I gave him a little plug at the end of every podcast. And it was great. And it meant a lot to me that someone here locally in a former chief was able to write that music for us. Absolutely. And there's so many cool examples of stuff like that that are out there. Yeah, and George is a great guy and I remember him well from his time at Florida state and there's so many so many talented folks like that. I wanted to ask you this. Have you ever missed any games? Did anyone has anyone ever had to fill in for you? I mean, in 42 years, I imagine there had to be at least one time. I'm going to pretend you didn't ask me this question. And we're just going to go right to the next. No, I have not. I have not missed. You've never missed. I have been so close to actually missing a performance, and I'll tell you the story real quickly. We were in Notre-Dame. The iconic Notre-Dame stadium. The chiefs are typically, well, they were sitting on the field as a lot of the Big Ten style schools did and Notre-Dame at the time. The visiting band was down kind of on the sideline area. And it was a pretty good hike from where they were, where I was sitting with them up to the press box for halftime performance. And being the dummy that I am. I waited a little bit too long to get around to get up to the press box and I was literally sprinting up stadium stairs in the stairwell to try to get into the press box area and find the PA booth before the chiefs went on. So I kind of got to the PA box and kind of went ladies and gentlemen. So it was close. But no, no. Conflicts, nothing. No sickness, no conflicts. I have back in a thousand after 41 years and hopefully hopefully the good lord blesses me to where I am not jinxed now. Thankfully, for your question. Do you ever make anybody mad for having to choose that over something else? No, actually, you know, it's like family and friends and relatives and everybody else knows. Don't schedule weddings in the fall. Don't do it. Just don't do it. People get what they deserve when they schedule a wedding on a football Saturday. I'm sorry I can't make it. I just can't do it. But yeah, I haven't had to deal with it. So this was the last year that gene deckerhoff called FSU football games. We're going to obviously miss him a lot. Did you have a lot of interaction with gene up in the booth? What's your relationship with Jean? I do, Jean and I are very cordial with each other and we have a little tradition of when he comes into the press box area on game days to set up and do his pre game schedules and stuff. He has some downtime and he would typically come in and stick his head in the booth where big woody Hayes and I would he does the PA obviously internally for Florida state and the stadium at do Campbell as well as basketball and other events. But I would be sitting in there with woody because in addition to my responsibilities as the voice of the Martin chiefs, I also spot for woody during the game. So I'm up there in the press box. So for people who don't know what that is, tell us what that means to spot for the announcer. Okay, basically I am sitting at his elbow with the roster and a pair of binoculars and I'm watching the game and pointing and referencing to who's carrying the ball who's making tackles who's recovering when there's a penalty pointing things out to him on the field. So he can relay that to the stadium through his announcing. And woody has been a close friend and a great partner in doing that. We have more fun than we should during the games. You know, everybody talks about the press box has to be a pretty neutral spot, but I won't tell you that we don't share a little bit of some high 5s of high 5s every now and then as our Knowles make their way through the season. But grey got to work with. So and that gives me something to do during the game, so I am there at his I was so in halftime comes. I'm ready just to slide it being useful the whole game. Right, so I can slide over one chair and do that. And I've had the privilege of doing that both for woody and his predecessor Nick Minnick that I thought very highly of a great guy who did the stadium announcing their Florida state for so long as well. Okay, so when I think of spotting in numbers, I think of that first game with the new Nike uniforms and you couldn't see the numbers. Did you have a yeah, that had to be a rough game? It's a mess. And people don't realize I'm the complainer in there when a visiting team shows up and it's something as simple as there's no shoulder pad numbers. Players with shoulder pads. You realize how hard it is when somebody's laying on the ground. You can't see their Jersey number and they have their numbers on their shoulder pads. And some teams with the new designs have updated not to do that. And I'm like, come on, people. Come on. It's all about me. You have to get this right. Waters are people too. That's right. All right, so let's zoom back to your career path now. So you had already gotten your foot in the door with the office of the auditor general in college and you decided that's where you were going to go and you ended up being there, but for like 24 years? Yeah, I spent 22 years with the auditor general's office and just a great experience. We were doing financial audits, operational compliance audits, I had a chance to work with a number of different state agencies as a state auditor you kind of get to go out and and deal with them and work with different agencies. So you get a little bit of different perspective on the agency operations and help them be better as well, as well as ensuring compliance with legal and regulatory requirements. So it's not just financial auditing. Not just financial, right? A lot of it is compliance driven if there are certain administrative rules, policies, procedures, even Florida statutes that they have to comply with and stuff you would go in and help ensure that. And it's a role that the auditor general plays very much kind of under the radar for a lot of folks, but the reports are then given to a legislative auditing committee for their review and stuff. They're a matter of public record, but again, not a lot of folks know a lot about it, but had that opportunity loved it every bit of it worked through that. Promoted through as a supervisor as an audit manager. Had responsibility for audits of certain state agencies, one of which was the department of highway safety and motor vehicles. Which then eventually I was approached by the executive director out there to take a position with the department as the deputy executive director, and I went out there and spent my last 13 years of my state career working with the department of highway safety and motor vehicles. That was 2002 that you made that change. Correct. So that's a pretty big change, right? Yeah. Obviously you go from the operational side of the shot. I mean, from the auditing side, the post audit side kind of thing, looking at things in arrears, so to speak. To living it real time. And yeah, it's a different animal. But a great experience, some wonderful folks out there. And of course, the department of highway safety covers a lot of things. Driver's licensing motor vehicle laws and licenses. Registrations, titles, and of course the Florida highway patrol, which is probably the most visible part of the department. Which was a totally different set of operational things for me to take on, but a great experience. And thoroughly enjoyed it. There are some stellar folks out there at the department do a yeoman's job of keeping Florida safe and working through it. And had a great time for those 13 years before I retired. And you also served as a communications director while you were there. I did. I wore a couple of different hats through the change of executive directors. I changed my rolls around a little bit. I worked as a comms director for a couple of years, and then when I retired, I was actually serving as what they called the chief performance officer, which was to do in strategic planning and performance management, building dashboards for monitoring how we were doing meeting goals objectives and things like that. And that was kind of fun too. And that was back to kind of wearing a little bit of a different hat as well. But the perspective of looking across the spectrum.
"dave" Discussed on How I Got Here with Dave Fiore
"dave" Discussed on How I Got Here with Dave Fiore
"Probably third year, right? Second year? I think it was 6, right? Yeah, I guess, yeah, he came the year I graduated high school, so yes, and that would have been, I would have been a couple of years coming in behind him. But as you remember, the 1978 campaign was one that seemingly to me was the stage setting for the greatness. That was a road warrior. That was the road warrior season. The things that we came in and really were Florida state be kind of came onto the football map under coach bowden. And with their success, of course, came notoriety for the university and the chiefs involvement of that where we made a lot of road trips and I mean for decades there were bowl game after bowl game after mo game. What I was doing with the marching chiefs gave me the ability to go to and participate in games that were at some of the most amazing college football venues in the country. Iconic stadiums and iconic bowl games. And when I look back at it now over that period of time, I say to myself, I said, do you have any idea how lucky you've been? To be all these places to be at all these games. Those first orange bowls were a big deal. Oh, they were awesome. I mean, you know, playing Oklahoma and Nebraska for the national championships. The 93 national championship game. I mean, that was just like, you finally got that got that albatross out around your neck. It's like, yes, we've reached that Pinnacle, right? It was really cool moments. Yeah. Yep. All right, so were you a football fan before you came here? Was that did you follow that? Did you follow the Florida state or a football fan in general? No, absolutely. Large say football fan and followed really all their athletics and stuff like that. Because your dad's connection primarily because dad's connection. When they were on. That's not like today where you can find something streaming or something on every time, but when they were on. I mean, we used to watch basketball games from Tully when the broadcasts were there and stuff like that. And in my first years at FSU, they were still. So that was kind of cool. And you see, even somebody posted the other day, the legendary lessons and shot Virginia tech wrong handed length of the floor to win that game and I'm thinking. Yeah, I was there. I was in the pep band that day, you know? It was like you see those moments and you reflect back and you go, yeah, that's a lot of history that you got to live. Yeah, that's pretty awesome. All right, so you graduate in 1980 and the next season is when you take on the probably one of the best volunteer jobs in the whole Florida state university system. Absolutely. As the voice of the world renowned Florida state university marching chiefs, which I will ask you to say before we get done with the podcast. So how did that happen? How did you even, how did that conversation even start? Yeah, interesting story, I had taken a job full time with the with the auditor general's office here in Tallahassee and I was settling into that. That fall, the gentleman who had been the stadium announcer for the marching chiefs. Let everybody know he was leaving. He had taken a job down in the Tampa area, and doctor Bentley Shelley hammer, who was the director of the march in chief at the time, kind of told the chiefs and some of the folks around the program that, hey, we need a new stadium announcer for this fall. So as they went into fall training, preseason training, he decided to hold kind of an impromptu audition. At cheese field, one afternoon to pick a new announcer. So he told the students, hey, if you've got friends that want to come and trot out to be our new voice, you know, tell them to come on out on this day. We're going to do auditions. Same thing with the staff and graduates and anybody else that he knew, I think. So of course I was working in town and I knew they were having the audition. So after work that day, I drove out to chief field. I was just going to check it out and see what it was all about. A number of folks auditioned basically they read the pre game script that the chiefs of traditionally used for years. And a number of folks read through it and there was a lot of good folks, a lot of good voices, so to speak. But none of them, I don't think really resonated with anybody or in the students in general. And doctor Shelley harriman kind of looked around and said, okay, is that is? Everybody auditioned. They wanted to a shot at it. And at that time, there were a number of folks fraternity brothers of mine that were in cape cap acai, which is the national honorary band fraternity that I was very good friends with, who were still in chiefs, were like, Dave, you got to try out. You got to do this because help. Come on, you know what we're looking for. You know, you were just in chiefs. Why don't you try out? I had given it zero zero thought about doing this. So it's like you were standing in front of your mirror going over this. No, no, no. I'm like, really? And they're like, you gotta do it. Try it, try it. So, okay, fine. So unwillingly, I go up and I read through the script for the chiefs and doctor shellhammer was kind of letting the chiefs have a vote and then staff would have a vote, you know, however he did it. He was very diplomatic about how it worked out. And anyway, long story short, I auditioned, they asked me to do it. And that's the last audition they've had. I mean, here I stand. And 42 years later, this will be my 42nd year. Still doing it. And it is absolutely the best volunteer job you will ever ever, ever want to have. To be able to work with the outstanding professionals that are our director of bands and I mean through the years of every director that I've worked with to our current day directors, doctor Patrick Dunn again, the director of bands of Florida state, doctor David plack, who is a very, very good friend of mine, doctor Chandler, Wilson, who has just recently come on, is in his second third year. They are all doing stellar jobs. They are wonderful role models and mentors and educators, as well as just outstanding musicians on their own, but to work with them. Side by side and get to be a part of that, even if it's a kind of a peripheral part, but to be able to be involved in what goes on in the performances of the chiefs do. I just it's one of the joys of my life and always has been. Right. I was going to say it's a volunteer position, but it's a pretty sweet gig for all the stuff you get to do. So you travel, you go to everything that chiefs do. They can't do it without you, so you're part of the team, right? Well, they probably could do it without me, but not really. It's part of the experience. But it is part of the package, I guess. And to be considered part of that organization is a point of personal pride for me. I love being the voice of the marching chiefs. I love being affiliated with them and being around them. I mean, I'll go out on days and they practice and just to hang out and watch and get to know the kids and seeing them and interacting with them. They are, you know, like 400 plus of the finest students at Florida state university. We always talk about it's not just kids who are music majors, it's kids who are from every college and of throughout the university. I mean, there's engineering students, business school students, PR majors, you name it. There you go. There you go. There is a diverse group of students and they work their tails off and want nothing more than the appreciation of the fan base when they say, look, we are here to support our team and our university. They are ambassadors that are recognized across the country and really, as we like to say, world renowned now. As they have made multiple trips overseas to promote Florida state university and represent them.
"dave" Discussed on How I Got Here with Dave Fiore
"Which I graduated with in 1980. Why accounting was that something you were interested in business in kind of figured out accounting or was the counting always the dream? Yeah, I think accounting was the anti band director position. But seriously, I think that it was something that interested me because it was not so unique that it was limited to one perspective of the business world. I mean, it touched so many different things. And as I went through my accounting career there, I actually was exposed to some auditing work, was able to get a job thanks to some Friends with the Florida legislature and the office of the auditor general. And during my senior year at Florida state, I was actually working there part time in the legislative auditor's office for the state auditor general. So I got a little exposure to governmental side of accounting and auditing. I enjoyed that very much. And perhaps more importantly, I enjoyed the folks that were there, who kind of mentored me at that time. And I was lucky enough when I graduated Florida state, I had a couple of job offers and one was to stay here in Tallahassee and go to work at the auditor general's office. And the other one was to travel to New Orleans and live and work there for Shell oil company in their eastern exploration and production. Operations. And I went to New Orleans and did a Vsauce visit met with everything. The folks were great. It was exciting. The whole idea of working for Shell oil at that time, you know, in the early 80s was dynamic. But at the end of the day, I just saw New Orleans and I knew I know me and I knew what I was made of. I went, you know, I love New Orleans, and it's just a great place to go for a weekend. I just can't see living here. And being here permanently. So I stayed put, which turned out to be a great decision on my part, simply because I just fell in love with Tallahassee. And it's been home for me. I've never left never thought about leaving. It provides me with everything I could possibly want from a sense of community. From the university, the government seat, the state government, all of that was very exciting to me as I was starting my career and the opportunity to stay and hang around Florida state and just extend that time there. And that relationship was more than I needed. So I just settled right here. Awesome. All right, well, we're going to come back to your career stuff, but we can't leave the college years without talking about your time in the marching chiefs, where all this started. Absolutely. Absolutely. So you joined your junior year, right? When you came when you came in? Correct. Yeah. Came in in the fall of 1978. And it was one of those things where I know a lot of college students look, and they say, you know, what do I, how do I need to assimilate into this new community of college students? They look at social social programs and they look at different fraternities and sororities and things like that. But I kind of knew going in when you start in with march and chiefs in your first fall preseason training and you realize there's a 150 like minded students who are there for the same purpose you are. And then you are immediately joined by 300 other students who are returning for that very purpose. You quickly realize that that becomes your family, your new family. You don't need any social outlets to look for because it is one big group of folks that love on each other. They appreciate each other. They work their tails off for a common goal and a common purpose. And of course, my love of music and the marching band and Florida state and far safe football. I mean, you roll all that up together. And it just becomes a no brainer. Right. I mean, it's folks that are so engaged and so empowering to each other that it just kind of lifts everybody up. Right. And it was the best decision I ever made when I stepped on campus. Yeah, I mean, I had a similar experience came up to college, all by myself, didn't know a single person got to the first day of pre season training and rather try out audition process. And sat down next to the person who would be one of my best friends all through college and immediately was part of a group of 400 people that yeah, that's all I knew. And I immediately became bonded to the university into this group from the very first day. Absolutely. And when you do that, you make friends not only for that semester or that year or that season of your life that you're at far estate. But those are lifelong relationships. I mean, I just go through my Facebook page pages sometimes and just look at all the folks that I know and I have had some experience that shared experience with, whether it was folks that I went to school with or folks that I have met along the way in the years since. And it's just so much fun in terms of keeping up with folks and sharing your life with them and them with you. That it's just more than you can ever imagine. It's just a ton of fun. Yeah, it's awesome. And it's a pretty darn good band too. Yeah, that's not only, that's kind of an added bonus, but yes, one of the finest collegiate marching bands in America. And has always been some great leadership, some the college of music at Florida state university, obviously, is one of the finest and they have some amazingly talented people come through those doors. So I wasn't planning on asking you this, but how did you adjust? So you went to community college first so you had a little buffer. I went straight from high school band to college band. That was a major adjustment. There's a lot more freedom in the college band. You don't have chaperones checking in on you every ten minutes like you do in high school. How did you adjust to that change? Yeah, freedom is a good word for it, Dave. The college experience was eye opening at times, even for me. And I'm kind of conservative guy. Okay, I mean, it's not like I was, I was looking to run wild and stuff. But it is pretty amazing. And of course, at that time in my life, you realize that you get a lot of folks from come from a lot of different backgrounds, a lot of different perspectives and stuff like that. And you have to just kind of take it all in and process it and you have to realize who you are and what you're made of. And that's where I think that still, the shared love of what you're doing brings us together in these groups. But at the same time, you had that mutual respect of, okay, I understand who you are and you understand who I am and stuff like that. And like minded folks, and you find your way, so to speak. But it is like a cold splash of water in your face sometimes. It's like, oh. Okay, then. Never heard the term Harry buffalo before I came to Florida. Yeah, that's a whole nother podcast. That's a whole other thing. We won't get into that. Yeah, one of my first road trips, the beginning of my second year was LSU in no better place to watch a night be part of a night game experience than LSU, but we stayed in New Orleans on the way back. You were there. Just for disclosure, I knew Dave in the band. You know, he was the voice when I was in the band, and we had some common relationships. So I knew him back then. I will share with you a few day stories at a later podcast as well. But it was always a lot of fun. And Dave and I had some common friends and we enjoyed each other's company quite a bit. And it was fun taking that, but that is, again, one of those relationships where you make them during your collegiate years, and here we are, literally 40 years later, sitting down in a podcast in your office to talk about that in our shared experiences. And that is one of the great things about what goes on at heart state and whether our marching chiefs. For sure. Family. Yeah, I enjoy that part of it a lot. All right, so you came to his Bobby bowden's.
"dave" Discussed on How I Got Here with Dave Fiore
"Of the Florida state university marching chiefs for the last 42 years. They've won the job as the band's announcer at an open audition the year after he graduated and calls it the best volunteer job, you could ever have. The Nashville Georgia native, who grew up in St. Augustine, found his way to Tallahassee as a junior transfer and never left. Dave spent much of his 35 years in state government with the Florida auditor general's office before finishing his career at the department of highway safety and motor vehicles. He is a longtime member and volunteer at first baptist church Tallahassee and his volunteer work includes 8 mission trips to Haiti. Dave has been married to his wife Janie, since 1988. We began our conversation talking about his early years. So you were born in Nashville, Georgia, right? There you go. I don't even know where Nashville is. Where is Nashville? Berry and county, Georgia. Very much south rural Georgia. The other side of Valdosta. Okay. Still South Georgia. Okay. Yeah, my father was a music education major at Florida state university, graduated and moved up into the South Georgia area taught in Albany, Georgia, and then migrated over to Barry and county, Georgia in Nashville, and that's where both my brother and I were born. And shortly after we were born, we moved to St. John's county, St. Augustine, which is the area where I grew up. From a time I was about two years old. So that's really home, but yeah, the birthplace, I always say, I was born in Nashville. And everybody gets excited. It's like, well, what a great city. Okay, yeah. All right, so you de grow up in St. Augustine. So what was it like growing up there? What was your experience as a young kid in America's oldest city? And it is awesome as you can imagine because of course growing up and my ears there very much still a small town, not the expanding burgeoning tourist destination that it is. No outlet malls out there, no world golf village, those kind of things. But a beautiful place very much a community that looked after itself, the beaches were just highly underrated, I think, by everybody local, but it was just kind of what we did. It was like, I can remember many times. Any weekend, Sunday after church, you know, go home and eat and throw on the shorts and head to the beach, and it was like, you know, 5 minutes away, and it was pretty amazing. And I took a lot of that for granted until I came to Florida state. And then it was like, wait, wait, you may not got to drive how far to get to the beach? Right. But yeah, it was beautiful. And a very caring community. And I loved being back over there. It's a great place to go and visit as well. Yeah. So how many times have you been to the fort or the fountain of youth or any of the tourist stuff? Yeah, you know, you get to go is like a fourth grader. You get to make all those field trips and I think actually every fourth grader in the state of Florida gets to I think they do. Just to make that trip. But yeah, it's awesome. And it's always interesting. I mean, there's so much history and so much stuff to look at and see. And now you see, you know, your Friends will post on social media, pictures of them, you know, at the dish and Marcos or some of the other areas in downtown, and you go, yeah, that's my hometown. That's kind of cool. Right. And it really is a lot of fun to see folks enjoy it and know and appreciate it like I did, you know. Having grown up there. Yeah. All right, so you mentioned your dad and your brother, so tell me about your family and what, you know, just kind of what was your family dynamic growing up as a kid. Sure, yeah. Mom and dad, my older brother, Douglass, and myself, and that was at it. That was about it. Grandparents lived in Tampa on my dad's side. My mother had a very interesting story. She's actually was born in Honduras in San Pedro sula Honduras, came to the states when she was a teenager and lived in the Tampa area. But we were, it was very close knit family. My brother was three years older than myself, very bright and gifted and, you know, he went to college and got a degree in chemistry and physics and worked for pharmaceutical industry. You know, and I chose a little bit of a different path, but at the same time, we both been very blessed. Parents that were very caring and nurturing and took care of us. Dad was a high school band director, mom worked at the local elementary school. So we, you know, it was one of those things you couldn't really screw up in school because they knew about it before you got home. So with a band director, dad was you being in the band a foregone conclusion? Yeah, pretty much. And I never gave it a thought. You know, it was one of those things that it just happened. And, you know, because people ask me even today, knowing what I do in my association with the marching chiefs, they kind of go, you know, you're how old and you're still hanging around with college kids, and I'm like, I don't know anything other than that. From the time I could walk, I was hanging around the back of my dad's band, marching around with kids. And that's what I did. I mean, I grew up doing it. I did it as a, as a high school student, as a college student, and subsequent to that. And I just never left it. That's kind of like my jam. You know, as far as that goes, it's my comfort zone. So yeah, it was one of those things. Dad taught me to play clarinet, which was his principal instruments. My principal instrument also plays saxophone and stuff like that and wish I played now, like I did that back then, but yeah, it was just one of those things. I never really thought about it a whole lot. Got through high school and was offered a scholarship to community college in Jacksonville, actually went two years to junior college, what was then Florida junior college at Jacksonville, two years in their music program. So you got a band scholarship? I mean, I actually went to community college, they were building a symphonic band and a jazz jazz band's lab bands played in those. He played the sacks and the jazz band. I did. And played with some very good players during the day. I mean, folks like Bill watcher, strombo player, Madrid Ferguson, the jazz trumpetist. We did a clinics with Chick Corea, folks like that. They brought in some very high profile folks. It was a lot of fun. As a kid, I mean, you're 19 years old and you're like, man, these guys I know these this is fun. Yeah. But I had a great experience there and then came from junior college to Florida state in 1978. Did you have any other interests in high school? Were you part did you do any sports or activities or clubs or anything? I was a world class basketball player in junior high. And when I never got to never made 6 foot tall, I became the scorekeeper for the basketball team. You know you're in trouble when the coach comes to you and says, hey, how'd you like to be our scorekeeper? We got another role for you. Yeah, exactly. So my athletic career kind of topped out with my 5 ten height and that was about it. But always enjoyed it and loved athletics still do. Love to be the, you know, when I got out of college and throughout my college years playing intramurals and stuff like that, I was always kind of the weekend warrior, but after a while that everything hurts and you just stop and you retire to the golf course, which is where I am now. Right. Yeah. All right, so you finish up in Jacksonville. How did you end up at Florida state? What was the decision in coming to Tallahassee? Well, and that's interesting because dad was a Florida state graduate, but growing up in San Augustine, there's a huge orange in blue influence. For sure. And I had spent a lot of my summers at music camps and stuff like that at the university of Florida. And had even considered going there. But thankfully, as I went through my junior college experience, I became very familiar with Florida state's college of business, a couple of professors that I had. I had a real interest in the business school here and I was fortunate enough to get accepted to Florida state, came here and went right into the college of business and started studying my accounting degree to get my.
"dave" Discussed on The Dave Ramsey Show
"Got no money. That never happens. Though dave you we're talking about i hate taxes will do almost anything except a bad deal. And that's what i'm getting at bad taxes. Here's a guy that babies up seven. He's crusted center phenomenal job of money and to try to avoid capital gains tax. When you're a capital gains on three hundred thousand dollars is sixty. Yeah okay but capital gains on one hundred thousand is is you know fifteen so You know buy some cheaper to possibility but here guys you you you. The pro in the decision making frameworks that we use all of us use when you paint yourself into a corner and you start making statements like they don't have any of those that's when i start challenging you because they always have one of those. I don't even know what those is yet. But there's always another option when you start telling me there's it's like bless your heart you don't youth ministry and they go. She broke up with me and she's the only woman on the planet. Yeah she's not about by tuesday. you'll see another one. That's the truth that's the truth fatalism thing. You know god only. That's the one that got picked up for me. There's only one there's another one had a guy said to me. Once he said. Well what i really mean is. She's the only one that would love mega now. That is possible new real minister. I really have a heart. For people are your. It was a buddy chris in new york. I chris. what's up going for those. I'm on the really Situation right now I just literally found out. Probably about a year ago. I had a judgment against me since twenty twelve. I never knew about it. i was never detected. Check my credit or anything like that Recently i've been trying to build my credit. And when i got the letter in the mail i said wait a minute. Hold on we they. They're taking the core for garnishment. So i did not understand at all. Why core come to find out. They sent papers I was never served in twenty twelve and they got the judge against me. 'cause i never appeared in court by never gonna time chris. What's your question. I'm my question is is the my original. That was thousand dollars. Want right now. One eight thousand dollars. i call. Try to settle with Basically they said no. We want the full twenty nine. Was this debt resulting from This was a a credit card. Okay absolute horsecrap. They will settle for fifteen hundred bucks. And if you can't beat that. I know if you can't beat them down on that on the phone. You need to hire an attorney. Don't pay them twenty thousand dollars. It's probably people in your state if it's eight years nine years ten years old. That's why i'm so confused by why i didn't understand it. Well basically airs. Look here's what you've done. You've not been proactive. To start with knew you. Credit card debt did.
"dave" Discussed on The Dave Ramsey Show
"About moving talk about actually loading up the trucks heading to beverly hills swimming pools and movie stars. Texas teak this is the ramsey. Show ken coleman ramsey personality number one bestselling author is my co host today. His new book is called from paycheck to purpose. The clear path to doing work. You love you can get it at ramsey solutions dot com and if you pre-order it because it will come out in early november and you should preorder it. You will get over one hundred dollars worth of items with it including the book including the The audio book including would most other stuff in there while you're gonna get the Get hired course which is our digital course. It really gives you the edge to beat the competition. It's a wonderful little course. We've got the livestream coming up november We've got so many more goodies. That are practical tools. That are kind of sweet. They're so that's where it gets you that incredible value so that is a fantastic. It's kinda like you get all the tools that allow you to beat the competition. That's what we're trying to put together here. Give people the edge. It's competitive right now. That's the way it happens know. This is the ramsey show. Triple eight eight to five five. Two two five gyms in sacramento. I'm jim how are you good. How are you better than i deserve. What's up. I got a little bit of a pickle here we We sold one of our rental properties out here in california and we have Approximately three hundred ten thousand a ten thirty one exchange by the time we were able to pick their tenants and get out. The market is kind of climbed a little bit higher. He have We have emergency fund baby. Step seven no bills and The problem is we're kind of just short on cash. Without liquidating our emergency. Find out to buy another rental property Obviously don't want to take a loan. But i also don't wanna pay sixty plus thousand in taxes. What would you do your three hundred ten thousand. Yes sir. I buy rental property. You can't you can't find your that's not true you can't find one you like but i have have my emergency fund as well as some additional cash but it would take emergency fund down to a low amount explained to me what that means. How much money are you talking about. we typically cheap about thirty thousand emergency fund. So you're telling me you cannot find a property for three ten but you can for three forty They're running what have additional money as well. I have additional fifth year. So forty fifty thousand in cash. But i don't wanna wanna liquidate every dime. I have down. You know. i have to go down and you're telling me you can find a house for three sixty but not three ten. Yeah it's pretty close. Yeah in the market. Piss crazy. Hot while i know that Well you can do what you wanna do. I'm i think you. I just illogical that you can find three sixty but can't three ten. I mean if you told me you can't find anything under six hundred so my three ten won't work will argue about but that's that's at least a logic argue logical argument but three three sixty versus three ten. That could be a matter of negotiation. That could be a matter of finding one that needs the gutters replaced correct. Yeah no i understand. We're looking at right about three. Eighty three ninety and i have the cash that you have a particular property you fall in love with no absolutely. I don't fall in love with real estate. You haven't had a property. you have your eye on. We do we we. We're down to about fourteen days to identify property in that ten thirty one. So we wanna we've had we've got two two or three. We're looking at right now. They're right about three eighty three ninety It just took my emergency fund. You know down two thousand bucks we make about two twenty to thirty depending on bonuses so your emergency funds down for one month or two months. Yeah yeah that's kind of my thought. Yeah yeah i think you boot rebuilt emergency fund like it's an emergency and you close on something if you've got thirteen days but moral the story is way you paint yourself into a thirteen day corner so you get desperate and have to make a move. That was pitchy because this pinci if feels patchy but this is all because not wanting to pay capital gains. Yeah you could buy less. That's yeah And you could buy hypothetically go to another market even go a hundred miles away. What i'm wondering by and by two hundred thousand dollars proper. You can pick up games on one to ten on three ten then so you only pay on what you don't use up out of the i despise taxes. You know this. I hate them but but but it doesn't need to be the tall detail that wakes adopt. That's what i'm wondering if you're putting some false pressure here it's not false pressure. It's making you buy or ties the wrong thing. Thank you for saying that better. Yes but it's like make good business decisions. I great tax decision second. Yes not great tax decisions and bad business decisions. That's exactly what's bothering you and you're right. The wrong thing is is driving the trailer show. I think you're gonna close on a three hundred eighty thousand dollars property. Because i think you can't get your head off of it That's what. I think you nailed. That i mean he's got something he goes. This is a good deal. If i can get it you know. And he's gonna get it so you make to a quarter note. Don't borrow money You're gonna do it and you're gonna take a you know you're going to run three months or four months without a properly funded emergency fund while you rebuild it with a two hundred thousand dollar income and no payments on the world so But god help you. If something breaks in that new rental the first month you.
"dave" Discussed on The Dave Ramsey Show
"Really helps you. Walk through a checklist of everything from real estate professional Schools packing everything. You could imagine part of the thing. That freaks people out about a move is not having a plan. You know it's just like what do i think there's a million things and certainly when you're up rooting from one st and moving cross country that's terrifying but we do have a great tool. We want to give her. That'll help. I don't even know you didn't know that you talk about on. The ken coleman show is. We've a lot of people changing jobs it so you ought to know these things giving away. It's a checklist so it helps you. Come up with a plan. Tim orissa we have this great relief. Anyway the The thing that comes to mind for me is i. I always have to put stuff like this. How do you eat. An elephant abide at a time. You said how you lay out a game plan. I always have to put stuff. That's this big task in order Almost like a flow chart until this happens. I can't go to the next thing and the first thing for you guys is to land careers right. You can't go on a wing in a prayer and hope somebody hires you show when you if you both had jobs. Making more or equal to what you're making now in a new market now moving starts to be mathematically fairly easy and that's another thing that's been overwhelming as You know just the cost of living and our salaries here are quite a bit more than when i look at like texas oklahoma kinda mid west But i also know that we're going to be able to buy a house. That's probably half the price of our house here. You know so just trying to keep things those things in perspective too but when you look at dollar can make you can land the career with a track on land the position both of you then in whatever city and you say okay. That's where we're going. Then you can start unraveling stuff on your end and making the leap but making the leap until you have the income waiting on you at. The new place is That's really dangerous. And so that would be my biggest and first thing. I would do if i were in. Your shoes is to jump on coleman site use all of his tools to land that job you love and this may be a time to transition into a different segment of your career field. That gives you more meaning as well. But landon land that first and then you talk about on your house buying a house you can talk.
"dave" Discussed on The Dave Ramsey Show
"Twenty eight me. Daveramsey christy wright and george campbell. And we're going to help you set a foundation for your goals and your money. We're going to give you a game plan. I don't know what normal is anymore. Who knows what normal is. I want to get back to normal. I'm not sure. I want to get back to normal. I want things like the old days. I don't want the things like the old days. The old days at out houses and cars didn't have disc brakes and didn't have penicillin. I don't want the old days. You know i i like it the way it is and so life. Life is pretty good but normal as of two years ago. I'd i'd settle for that. But i don't think you're going to see that again. I think we have a different world now. So let's learn to live live and sit on the sidelines and throw grenades so we're going to give you a game plan. September twenty eighth to register for the game plan live stream text game plan to thirty three seven. Eighty nine text game plan all one word to three three seven eight nine open phones at triple eight eight to five five two. Two five marissa is in bend oregon marissa. How can i help. Hi thank you for taking my call. my husband and i we are really frustrated living in oregon right now and so We are wanting to move somewhere that To a state that is more in line with our values and what we want for the future for our children and we are in the middle of Baby steps three and four so just trying to you. Know your advertisement about a game plan so just trying to figure out what would be the best game plan to plan a move like this something. We had not planned on doing At all we both were born and raised in oregon. But it's just it's just too much. We just so heartbreaking the place you were born the place you love. The place you were raised doesn't feel like home anymore now not at all. So what is what are the key. Things that are driving you out of there So a lot of it is just you know. The unrelenting mandate I work for state government. My husband works for indian tribe here. So it just is you know one thing after another or kids or just being bombarded by you know liberal anti-christian views When they're in school we actually live in more of a rural area so we don't have any other schooling options for them So those are the two big things a lot of the politics. Just you know the constant Socialist ideas that are being passed. Down in oregon. So i mean all of it. I originally i ask not trouble but think it is good for elected officials to hear why their citizens are leaving right and it's happening in california new york and mass. It's happening in oregon and washington state. it's happening around some of the major cities where the city is lost control They lost control of their cities and And and people are. They're not you know people who are the producers in our culture who are the peop- the artists who make the art the business people who run the businesses the administrators who administrate the good moms and dads. Who do show up at the pta meetings They've lost their tolerance for the stuff and we're seeing one of the biggest migrations in the history of the united states. Right now is since the time that this country was actually settled. It's it's pretty bizarre. So that's why bring it up. It's kind of a philosophical thing but worth talking about yeah mersal. I'm curious if you could tell. David i What's driving the destination. The most is the where or is it. The what what you guys will need to do. from a professional standpoint just curious well i. I actually work in a prison here in oregon. So you know my career fields. I'm not necessarily anticipating being able to stay and But my husband is a farmer He actually farms Like i said a native american tribe for their tribal governments. So he's very much. I mean he has an act degree from texas. so that's kind of why we're looking at texas he's You know familiar with texas really liked going to school there So he his degree is an economics so he can run any part of a farm from the business end to the manual. And so burgess right now. We're focusing on getting him a job and where where would that be. What would that look like Especially in the mid west. I mean even just Job opportunities for him an oregon the farming community where they're out of water like there so hit his his opportunities regardless of the politics are becoming few and far between so So that's another another thing. That's driving our desire to move as career opportunities as well you. What do you do tactically. Just the function in the prison system will kind of job as administrative in nature. Wouldn't do right now. I run a life skills program so transitioning work so i can do that kind of stuff and a variety of settings And i also have a experience in administration so okay so i wanna more marketable. His you know working for a different type of environment or career field might begin. Correct me if i'm wrong more defined by what you do rather than where i really wouldn't i mean i think it's i i've been running a life skills program i've been in in administration. Oh by the way happened to be in a prison system. I agree so once you guys get where the giggles for the hubs This is a wonderful wonderful job. Market right now and you're going to be very very attractive to a lot of different people so i i just wanted to ask about that so i think dave at this point. It's you know okay. We gotta figure out the place. We've got a wonderful relocation guide. That i wanna make sure kelly gives them at the end of this call. We had a ramsey relocation got. It's free to really helps you. Walk through a checklist of everything from real estate professional Schools packing everything. You could imagine part of the thing. That freaks people out about a.
"dave" Discussed on The Dave Ramsey Show
"Ken coleman ramsey personality number one bestselling author and author of the new book. That's in pre sale from paycheck to purpose. The clear path to doing work. You love as my co host. He and i were both speaking this morning. At the enrichment event for the ramsey financial coaches. I and it was a lot of fun. You did a great job. Of course thank you sir. Lot of fun you you warmed them up. It's always nice to follow you. You you know the crowds ready you fired or you know the bar set low. Whatever yeah not. The case is a great crowd. These are the men and women are on the frontlines who have decided because of the baby steps and the life changing transformation that they Brought into their life as a result of that clear path. Now they're out there. Coaching other men and women and giving hope and and you know it's just always a blessing to be able to to look eyeballed eyeball with those men and women who care deeply about. Coaching others So's really really sweet. Sweet crowd and fun time when they know. They're why they're clearly very mishel. And that's your whole message coleman show and is with your career to be mission find something you love and pour yourself into it so if you wanna talk careers can with us today. You wanna talk jobs cans with us. Of course we'll talk about your life and your money. This is the ramsey show. It's all about you wiley is with us. Learn reno. Nevada high wiley. How're you doing. Well dave hi ken. How are you guys grow to blast. How can we help. Hey so my question I'm currently debt free. I've been listening to you for the last two years. Paid off all my dad My mom turned me onto you. And i got out of college debt free so i'm currently in baby step four and i'm saving fifteen percent Of my retirement And i have. I currently work for the school district here. So i have a retirement. The district mentioned I have a four zero three and a roth. Ira contributing to look at you. Thank you With all due to you And everything you've gotta true I've decided to look forward to future. I'm looking to buy a house good. Should i stop. Investing in these are just stack money or continue to invest in one or or. Is there someone that's better than the other. Either one is fine. People do all three things once you get the baby step three which means you have your emergency fund inflation. You're debt free. Which you did a while back way to go Then as when you start saving for a house sometimes people wait a little bit particularly if they're young like you. They wait a little bit to start their investing and use all that margin to pile up a big old downpayment. And there's nothing wrong with doing that. I don't want you to wait more than three years. But if you to take a couple of years and pop down payment and hold on baby step four. We always call that baby. Step three b around here Other people look at it and go. I can still save pretty aggressively while doing my investing. So i'm gonna just donald some of my investing back. But i'm going to do this other one over here. This really sweet. I don't wanna. I don't wanna get completely out. And can we see people do up and down that spectrum and they all do well. Yeah because what happens is needed. That baby step three and you can move at three being looking out. You have all this freedom you get to decide what really really matters. You've got the discipline. You've done the hard work so now it really is. I like that either. Or what's most important now and begin to move with the same discipline the same purpose that you happen. Now you'll get there. We do not say that about paying off your house. No we say do the fifteen percents right and whatever you can find above that. Pay your house off early but for saving for the down payment on the first house. That's right a lot of people in their twenties or thirties. We'll take a temporary pause on baby. Step four a gap year though. I like that between three and four. I liked the all build their down payment. And that's baby. Step three b. I've never thought of that. Well good pretty good. I like that are open phones at triple eight eight to five five. Two two five tyler is an abilene texas. Hey tyler how are you. I'm doing great dave. How are you better than observe. What's up well Me and my wife are new to you We got married in june angelini from the ground running. We we knew debt was a bad idea. she came into the marriage. That free I did not by a long stretch So as soon as they got married got back in the honeymoon started attacking debt and working together to pay it off and really haven't argued about money at all until last night so our fiber so off boy okay. So what is the argument about this great. I'll get my whistle out my little striped flag to throw a flag on him. Yeah that's it. Yeah all right go tyler. What's the argument right. So i'm a youth pastor And we were talking about Once we get out of babysit sue about nesting and my cpa has talked to me a little bit about possibly following in exemptions for social security taxes. My wife is concerned about doing that in chase. No the what ifs could happen. If i injured and kind of work or whatever or disability wouldn't be wouldn't be a factor in my mind behind it being a real Numbers minded person say. Well we can make a lot more in investing or giving quicker if we opted out of this gary. I know what you would advise in that Either were there at.
"dave" Discussed on The Dave Pamah Show
"David presidential retreat in maryland or one of several nuclear power plants along the eastern seaboard. A total of two hundred ninety two thousand nine hundred and ninety six people were killed in the nine eleven attacks including a nine nineteen terrorism jazz aboard the full aeroplanes. Citizens of seventy countries died in new york washington. Dc and pennsylvania at the world trade center. Two thousand seven hundred sixty three died after the two plane slammed into the twin towers that figuring claes. It concludes four hundred. Three hundred and forty three firefighters and paramedics. Twenty three new york city police officers and thirty seven polls authority police officers who has struggling to complete an evacuation of the buildings and save the office. Workers trapped on the health roles at the pentagon one hundred and ninety nine people were killed only sixty four on american airlines flight. Seventy seven the airline. That struck the building on flight. Ninety three forty. Four people died when the plane crash landed in pennsylvania seven. Pm president. george w bush. Who was in florida at the time of the attacks and had spent a dia being sheltered around the country because of security concerns returned to the white house at nine pm he delivered a televised address from the oval office. Declaring terrorist attacks can shake the foundations of our biggest buildings. But they cannot touch the foundations of america. These acts shasta stills but they cannot spend stills of american resolve in a reference to the eventual. us military response he declared. We will make no distinction between the terrorists who committed these acts and those who harbor them operation enduring freedom. The american led international effort to oust the taliban regime in afghanistan and destroy osama bin laden's terrorist network. Besa began on october seven within two months. Us forces had effectively removed taliban from operational power but the war continued as u s and coalition forces attempt to defeat the taliban insurgency compact campaign based in neighbouring pakistan osama bin laden the mazda amonte behind the september eleventh attacks remained at large until may second two twenty eleven when he was finally tracked down and killed by us forces hideout in pakistan in june. Twenty eleven then. President barrack obama announced the beginning of a large scout troop withdrawal from afghanistan. It took until oguz twenty twenty one but will us voices to withdraw. That's all for this episode. Thanks for listening and remember. If you want to support. We do then. Sheer subscribe and hebrew review over on apple. Podcasts all head over to my website. Dave palmer dot com and click on rate show. But for now the. I'll see you in the next episode all the day. Parma show follow us on facebook twitter and instagram's..
"dave" Discussed on The Dave Ramsey Show
"Covert blip You know i a war Scare of this scare of that one of the pay or whatever whatever whatever it is whatever reason it is that your next scared about the stock market if i can just get you to ignore that and just keep going and keep going keep going and keep going and going going man ninety nine percent of the time. Don't make rich that even if we screw up and oh he has. Those aren't no load mutual funds. They charge commissions. Who gives a crap. You know you're actually doing it and the guy that's getting the commission's causing you to keep doing it and they're if you keep doing it you're gonna have money so i love you go. I these ideas and these questions. But it's just it's a little bit frustrating because a math guy like me. We wish it was a little bit. Tricky more complex. We could figure out the little trick and we could go do it. You know and all the regular people that aren't math nerds couldn't do it. Yes but the problem is anybody can do it exactly right if you just do it and do it into it into it into it admitted do it do it. Good question though hugo. Thank you fun. Discussion key phoenix keith. What's up gentlemen. Thanks for taking my call. And i'm not sure my question is going to be exciting. Is the last one but Help you anything much more exciting than comparing value funds. I'm just saying i'll give it a shot anyway. But here's the deal we're My wife and i are halfway To fully funded emerge gives me emergency fund. We're looking at about march of next year to be done good with that but we we have two cars one of them because of the values being a little bit higher now. We're contemplating whether we should sell one of those which we could probably get about forty five thousand dollars for we need about twenty thousand dollars more to fund that emergency fund. But i'm a little bit hesitant to do that. So mature household income. We're about a hundred and forty hundred fifty. What's other car worth other car. The second car is worth about five thousand dollars. I keep it. we're both paid for. I keep the forty five thousand dollars. It's not.
"dave" Discussed on The Dave Ramsey Show
"Triple eight eight to five. Five two two five. Sebastian's little rock sebastian. How are you doing great meeting career advisory here okay. So i'm twenty one years old Just got married like two months ago. Congratulations thank you just paid off my wife's student loans about twenty thousand dollars and now i'm thinking about going to graduate school and i just want to know the you know nine naira next right. Move from me. We want to go to grad. Sorry for him there. So i wanna go to the schools i wanna go to. Mit or burning in my phd science. Because i love all that stuff. I've been involved with research a lot During my undergrad years. And as far as i know Grad school for especially. It's all paid for like typing. You live off and then to pay for your boats and insurance and tuition and all right but financially speaking if i did get my phd. And i got the job You know like right out of college probably just be making like what ten to fifteen percent more by having that degree. So i'm kind of debating if it's really worth spending four or five years into a seafood working on a research project Just to get a little bit more. Extra cash is being in so there was a. It's been a couple of years since. I read the studies. I'm gonna butchered up a little bit but Distill all the way down if you can get into a phd program and data science and one of those two schools The connections you make inside that program meaning the folks who are creating businesses that would co create businesses with you. that would cook create new knowledge. That y'all go on to build new products etc Would could have a potential an infinite return. And so if you're able to if you're my friend and you said have an opportunity to go get a free. Phd data science at mit. Or at stamford. I would say. I will visit you in boston or southern california or central california The other side of it is ask yourself. Is that the life you want because you are right. The next four five or six or seven years of your life will be chasing down a problem. A central problem will be writing papers doing math equations. Going to things not making a whole bunch of money and if you have the competition of power inside your own head to get into those programs you had the opportunity to earn money right now. A whole lot of it right right. What's your undergrad and again. So my undergrad will be in computer science and applied mathematics. Yes you got what you want. What life do you wanna live. So ideally my mind. I would like to start my own business. I could start up idea that relates to your machine learning and then able to you know be able to run the business and also spend time with family and my wife so do you have. Do you have the benefit of going to those programs is its iron sharpens iron. You're running around the smartest minds exactly on the planet and some of those areas and do you have the ability from wherever you are a little rock to start an ai company. That's gonna is that makes sense. Do you have the tools that you need at your disposal or is being around that type of sparring partner going to be worth your time. Hypothetically yes i do have the tools and like right now practically though it will be more challenging. It's not the same you know being in the valley silicon valley or doping ideas and all being literally. Eating i think the mit phd issue It sounds really fun and really challenging and in a lot of ways I think the play. There is for one. Half of a one percent probability. It's a very narrow play You can actually get in and get that you can get in and get through it. I think this guy can do that. but then what do you actually end up doing with that that makes that beneficial right. It's a very small play and if you hit it it's a home run that's right but it's not It's not as broad a play. The broader play that has a higher probability is to say. I'm gonna go right now and get a job. As a data analyst with some of the top data analysts people in the world at a tech based company. That's really forward thinking and is doing a bunch of stuff. And i'm going to get in there and rub shoulders with those guys in the business world and i'm gonna spend on like you know hundred the first year two hundred three hundred the third year and And then i'm going to be from that in a position with my business acumen and having rub shoulders with some guys put a little bit of a little bit longer in the tooth. I'll be in a position to start a business that you obviously to start and run a data analyst business you do not need a phd. Absolutely not the only benefit that the other thing is. The aren't sharpens iron and hanging around with smart people and you become smarter as a result of doing that so i thought to be a professor some day which you told me you don't want to start your own business and run your own business The the the lift is probably not worth the trip. No and if you want to live that hang out with my family. I want to make some money. I wanna go get a job man. Yeah and i think you go get in. And here's the other thing that particular field that you're in i mean we've got Four hundred and fifty tech folk on our team Data analysts we've got data scientists. We've got a platform engineers and people that do stuff. I'm not even sure what they do and their payroll but And they're unbelievably short their incredible unbelievably smart. Got a real tech company. Here in behind a radio show and But the What i have figured out having written all these checks for these people for years now is that that the rate of change in your world. Sebastian is blinding. Yes while you are doing this. The world is going to completely change four times. And you know. And i think you'll have a better chance of staying up with that change and industry than you will in academia..
"dave" Discussed on The Dave Pamah Show
"And awakens your innermost capability. The training and the talent to succeed. But do you have the guts to fail. I love what i do. We love what you do. You want to be the best at it. Today is about the power you you will change to find your path to success to the journey of those who have succeeded. And now your host. Dave pomme welcome back today. The show and this is the relaunch of series free. Because i've had another relaunch before. So here we go Well today i have a special episode. I have. We've made an entrepreneur and one of the talk music producers and composers in the industry and has a life changing projects code one hundred days challenge is an undeniable legacy within the music industry and.
"dave" Discussed on Lew Later
"Won't a new song. No wonder whether you wanted to play you. Just you just want to use it and it's the same for every episode. Now i shut up. I got a track. We're gonna use this set the stage like no we will not start the show without my track gets even the zone. I like it. I think it represents. Dave you know years on this track me. Thanks dude i. it's a good representation. I think so kinda got like a a chill aspect to it isn't that isn't that your thing. I like chill. Yeah what is your uh on your twitter. Your bio is it. Say i changed. Oh yeah lo fi tack videos. Yeah so so. Yeah but there's there's purpose behind that go ahead. Oh by the way. Ladies and gentlemen. Dave dave lee is back number one requested episode for us this channel right year it was ever since you came out of i highly. Said you gotta get dave lee back. I mean he's gotta be that this seat we're going to have to call it daily..
"dave" Discussed on The Dave Ramsey Show
"I think it'll be reliable. But i would try to do it. Cheaper i try to buy twenty five and sell it for fifty to keep it for two years or three. Ask if it's diesel and you you maintain it maybe you can put two hundred thousand fifty thousand miles on it in two years and and then see what it's worth and see how much you lose but the bottom line is how we run this formula where you lose the least money and still get the job done and don't get into the rationalization of this Because this is a business expenses all it is and the problem. Is you spend so stinking much time in it. That every little thing that goes wrong with it every little tiny thing is going to be magnified in your emotions and and it's going to cause you to lose your judgement but just pretend like you are running a fleet. You are a fleet manager. How can i run this business for the least possible expense thereby increasing my profit the most and so the most. You oughta spinach thirty. I can tell you that. And i try to get the job done for less than that. Dave helped me with this. So i can imagine being a fifty year old man and i'm just making up an umbrella hold. This guy is Looking for work. I find this job. I sit down and meet with them. They map it out for me and suddenly i'm making ninety thousand dollars a year feels incredible and i take the job and then here's all the stuff that comes with it. I can imagine not doing the math and sitting down saying okay. I got it by thirty thousand dollars..
"dave" Discussed on The Dave Pamah Show
"And awakens. Your innermost capability. You have the training and the talent to succeed but do you have the guts to fail. I love what i do. We love what you do. You want to be the best at it. Today is about the power you you will change to find your path to success the journey of those who have succeeded and now your host. Dave pomme welcome. Welcome back to the day. Parma show and today i'll have. We made someone who specialize in helping people find their life purpose and teach them to monetize. It is a life coach record teacher and podcast host. They ship welcome today. Palmer show thank you very much for having me on. Won't be here have as well dave. So dave how do you help other lock.