35 Burst results for "Dave Ramsey"

Dave Ramsey vs EXP Realty

Real Estate Coaching Radio

02:04 min | 6 d ago

Dave Ramsey vs EXP Realty

"Versus exp and then in men kind of run flee refers to Ramsey company is a coaching company, which it's not. It's basically for the sake of the ELP program. It's a lead selling company. We again, we talked about this yesterday but anyway, in man comes around there, you know, figures the soldier out there, writing this article. It's basically what we talked to you guys about yesterday. There's no real new information as far as the who's in the what's in the wise. But I will tell you what really is surprising to me. As I read this article wage, That Dave Ramsey and I already knew this obviously but they just summarily said we're not doing business with the XP agents any more. Not exp did not have any sort of Enterprise corporate level relationship with Dave Ramsey. Dave basically decided to just sort of get rid of his his I'm sorry, his exp agents no matter how well they've been performing as an ELP and this, obviously, it just seems to be really bizarre. I mean, why would he just summarily get rid of all the EXP agents that are even the most successful in this e l p program? If his whole point of his e l p program is to provide the best service for His Radio listeners in his book purchasers and all the people that follow us advice, I mean ultimately when you and it's fascinating again as you read this article, especially the comments on em and it's really fascinating how far out of Integrity. A lot of agents are perceiving Dave Ramsey to be especially when it's routed back to his Christian values that he definitely leads with wage. And again, if you haven't read this article, definitely read it's called Ramsay versus exp. But I'll tell you, the real punch line here is there's, it looks like there was only a couple of hundred maybe maybe three hundred maximum exp agents off of the ELP program, you know, 57,000 exp agent. So this really is just barely a blip on the radar. But really, I enjoyed reading and I was I was honestly proud of all the agents that were, the agents are interviewed and it was Agents from all different brokerages as agents from all different brands. It wasn't just a bunch of exp ages piling on trying to defend exp, wasn't even mad at all.

Dave Ramsey Ramsey Company Dave Ramsay
7 Members of a Maryland High School Class of 1969 Will Get Their High School Diplomas

Dave Ramsey

00:19 sec | Last week

7 Members of a Maryland High School Class of 1969 Will Get Their High School Diplomas

"Seven students from High school in Maryland, who were denied their high school diplomas more than 50 years ago, well now officially get their degrees. The group protested the selection of school dance teams back in 1969 when no black students were chosen. Protests grew as leaders met with the superintendent. This is CBS News.

Maryland High School Cbs News
White House Looks to Bipartisan Group to Pick up Work on Infrastructure

The Dave Ramsey Show

00:32 sec | Last week

White House Looks to Bipartisan Group to Pick up Work on Infrastructure

"An announcement that talks between the White House and GOP Senator Shelley Moore, capital on infrastructure faltered, a bipartisan group of 10 senators met for just under three hours this evening to attempt to hash out a new bipartisan agreement. Following the meeting, Senators projected optimism such as Republican Lisa Murkowski very good discussion and worked through a lot of different issues and We're making presents. The members said they intend to continue meeting Wednesday aimed at sharing their ideas with a broader group of senators.

Senator Shelley Moore GOP White House Lisa Murkowski
S6 E12 - This is how to get (financially) healthy

Courage to Fight Again

19:24 min | Last week

S6 E12 - This is how to get (financially) healthy

"Your housing your food your transportation and then medical and absolute necessities so if you have prescriptions or you've had doctor's appointments or you absolutely have to have daycare because you don't have family or friends that can watch and you have to pay for daycare. Those are absolute necessities. Everything else is extra fluff lifestyle spending. So when you're going through and figuring everything out these four things need to be taken care of welcome to another episode of the we serve now. What podcast the show. Where i do my best to answer the questions veterans and their families are already asking so you can make your post military life your best life. My name is aaron perkins. I'm a us army combat veteran husband to a beautiful wife. Daddy to amazing kiddos. I'm the author of the resolve book and that is a step by step guide. That takes you the veteran through a process of rediscovering. Your life's purpose. After you left the military. And i gotta tell you i have so been looking forward to today's episode because my special guest is here to talk about something that matters to every single one of us is topic money. My guest today is quite boss. Marco is a twelve year navy veteran who deployed in support of operation enduring freedom. He got out got his bachelor of science. Degree started a side gig as a financial coach in two thousand sixteen while working in the nonprofit industry in didn't take marco long to realize that he was struggling with a lot of the same financial issues as the people. He was trying to help so in an attempt to fix his own struggles. Marco applied business cash flow principles to his own finances with an eighteen months. He added nearly one hundred thousand dollars to his net worth and his skills are skills that anyone can use. Marco now has his own financial consulting business. Called live like others. can't marco. it is so good to have you on the show today. Welcome to we serve now. What a thanks for having me on. It's pleasure to be here to serve all the rest of the veterans. They're listening absolutely man absolutely. Been looking forward to have you on the show. So what just take a few minutes and introduce yourself. Tell us a little bit of your back story how you got here. Well you covered a lot of it which was great but like it said so. I served twelve years of military. And when i got out i had a mountain of debt. I think it was like sixty thousand dollars in debt. When i left active duty was going to school got my bachelor business management and when moved down to florida a job. They're kinda help me pay down some more of The debt that ended up having once i got back from afghanistan. 'cause so side note. I went to afghan volunteer to to afghanistan to pay off my consumer debt and paid off the debt and then had a ton of money when i got back and did some investments that were really great but the problem was is. I didn't change my spending habits and some other habits. That i had that were really ingrained so i ended up building up that data again and was down in florida before i moved back home to ohio i ended up with like it probably about another twenty grand worth of debt when i moved back home and i was like said twenty twenty sixteen. I started looking at my personal finances. I got married in two thousand fifteen and after a year of trying to manage to all that we finally got everything into really like one pot start applying the business finance principles to my own personal finances and when i first started i was negative. Twenty five thousand dollars in my net worth so because all everything and i still wanna own twenty five thousand dollars so when i started applying some of those principles and turned it around and it was like oh my gosh in eighteen months be able to get to seventy five thousand and net worth. It was not so. I started taking some of those same principles and teaching some people. I knew some friends. And it's like okay. I really got something here but was really interesting. Is that these same principles basic math principles but these are the same things that have teaching the low income. People that for the nonprofit that i was working at so is really crazy that. There's so much parallel. The only difference is that my mistakes were spectacular because there is a larger amount of income to work with so it's it's really interesting the mindset that we don't teach so i that's what it was like. Okay there's a group of people working in the nonprofit world and the rule low income side of things. There's a whole support system around that but there's very few supports for this this middle class. The wealthy know how to do it. The low income have a ton of support. And when you're trying to make that transition to from low income or even the lower middle-class into an upper middle class even making that transition if you don't have some the fundamentals You're never gonna make it or it's gonna take forever by the time you retire like oh okay now i get. It would have been great thirty years ago. Sure so that's why i got into. That's what i got into being a coach. Cool man all right. So so the first question i have for you is it. It's a simple one. But i think it's one of those things that needs to be addressed because a lot of us find ourselves in a situation where we think that our finances are kind of like a bygone conclusion. You know i grew up in poverty. You know song going to stay in poverty. And so i don't even think about i. Just go through the motions. I you know. I get the car loan. I get credit cards. I get in debt. You know i do all these sayings in. I'm not really focused on my financial health right so when it comes to finances why should i even care. How big of a deal is it. Well i would have to say just starting out. It's actually perfect timing because this last year taught all of us. I mean how many people lost their jobs or were furloughed or laid off and maybe two never even get them back. It can come at any time. And if you're not prepared for it is what a lot of people don't realize is that when they signed their name for alone they're trading future time for something right now and it takes a special type of person to be an entrepreneur to be to be able to go out and create wealth but the majority of americans work for their money as opposed to creating their money. If that makes sense and there's nothing wrong with that. There's nothing wrong going to work and and working a nine to five job you can be in everyday millionaire working a nine to five job you can. It's entirely possible but it's just. It's really crazy that when when wrenches thrown into it that we lose traction so fast if thing was like bank rate. It's on the ads that you've been running for me so it's six hundred ten. Ten people don't budget seven ten barely budget. An eight out of ten are living paycheck to paycheck. It's it's crazy as stupid number. Eighty percent of the people in the us are living paycheck to paycheck. That's nuts. That really is so eight out of ten people living paycheck to paycheck. Just you know if if you miss a paycheck or like you just mentioned you lose your job because of whatever reason pandemic or anything else. It's a huge impact. Not just. I don't know how i'm gonna pay bills for the next couple of weeks but it can like really really set you back. I think it's a perfect setup to talk about. What you just mentioned budgeting a little bit right. A lot of people don't budget so let's say for example. I know what a budget is. You know i've heard the term of. I've seen it on the news talk about but i've never tried it for me and for my family. Can you give us an insight into that. Like where do you even get started. Well sure an you can do a search on the internet for how i do a budget and almost all of them are going to give you the first piece of bad advice that you will ever hear when it comes to budgeting track your expenses for the next month. No you don't have to track your expenses for the next month. You know why because what you do. This month is the exact same thing he did last month. Just pull your bank statements. Look at your bank statements. That will is a great snapshot of your personal financial behavior and what your lifestyle choices are and when you take a look at that then you've got you've got gotta place all of those into a it or as we'll talk a little bit here a of a wall for foundation. There are four things that you have to take care of everything else is fluff and you can create whatever whatever other buckets you wine or i mean flake from an accounting. Were coming perspective. These are lineups okay. So you've got you've got your income and your expenses and then your expenses or all of your line break it down and then it breaks down even further when you file your taxes so every category that you make is a line item but there's four that are super important. Four and a lot of the times people tried to budget everything and they say okay budget down every last dollar and even the even the dollars that you're gonna put into savings if you don't have a good foundation to take care of the basic things that you need to have. It doesn't matter what you put into savings. It doesn't matter what what you spend on clothes. It doesn't excuse me it doesn't matter what what extra expenses and entertainment things that you wanna do. You've got to have these four things. Take care of i and what's interesting about them. Is it lines up. Perfectly with maslow's hierarchy and i'll leave it at that for further on all right so talk to us a little bit more about the four walls right. You mentioned the four walls and you know unite chatted about these a little bit before we go kind of hit the record button here as we were preparing for the show but that i'd never heard that term before the four walls. Can you explain like what those four walls are shirt. A quick back story on on the four walls. Is that if you do any personal financial searching on the internet. You're probably gonna come across the name. Dave ramsey dave ramsey. Oh yes some guy of phenomenal mindset really. Is there some things. Because i'm a business guy. There's some things that i can't entirely subscribe to because for me personally. There is some good debt. Because i'm a business guy. I used other people's money to make more money for my business. So that i can go ahead and potentially hire somebody in sure. Grow the economy that right right so for me. There is some good data. But from dave ramsey's perspective. There's no debt is good so the four walls are the four basic things that you need to survive. And when i say talking about maslow's hierarchy the bottom two levels of maslow's hierarchy pyramid are psychological and safety and that deals with food shelter and essentially money and i clued transportation in that because you need transportation get to and from work sir so the four walls are actually order. I it's it's your housing your food your transportation and then i. I don't like saying catch off for this last one but medical and other absolute necessities. So if you have prescriptions or you've had doctor's appointments or you absolutely have to have daycare 'cause you don't have family or friends that can watch and you have to pay for daycare. Those are absolute necessities. Everything else is extra fluff lifestyle. Spending this is still considered lifestyle spending as well but this is your baseline lifestyle. So when you're going through and figuring everything out these four things need to be taken care of and as you're going through the math and figure out okay. I'm not bringing in enough to cover the us basic four things. you're living to lavishly. You have played into the game of catching up with the joneses. You're trying to find too many influencers and live like them and showcase to the world. What all the amount of debt that you're bringing on is essentially what you're showcasing. You're not living the good life you're actually living a really crappy life. So that's kind of the premise of the four walls. And it when. I didn't really know that term when i first started doing my own budgeting but i realize kay. I've got regular monthly expenses that i always have to pay out have to pay my mortgage. I always have to pay the insurance. I always have to put gas in my car. Food on the table and a couple of medications and and some clothes. Those are the things that always spend money on every single month. What's fantastic about that is because it is you have the ability to look back over the last twelve months and really identify what your lifestyle is just by those expenses alone. Yeah that's that's interesting and it's it's definitely a a i won't say it's that different but it's definitely different than like you said what a lot of folks are gonna find when they do that. Google search for when they do that duck go search right on the internet of. Hey how do. I do a budget you know. What are the first things. I i should consider and and using hierarchy of needs and for those who are familiar with it. This basically just a pyramid that that stacks from bottom to top the needs. Every person has basic needs like markos already talked about psychological needs and then tops off. Self-fulfilment needs achieving your full potential including creative activities. And things like that. But with the four walls i know. They're all critical right but is one more important than the other. Is that the all really really for lack of a better term foundational for your financial health. They all are foundational. But dave will argue. And i kinda back this little bit. Is that if you have a choice between spending money on your electric bill and spending money on food you buy food and you can work with the company to to keep your electricity on food. Would probably the be the highest priority. Next would be your housing so everything that's involved with your housing your mortgage your mortgage. Iran's your utilities and then transportation would be third because there are things that you can do if you're spending too much on transportation. There's things that you can do to to lower those expenses but we can get into that little bit and then obviously medical. Now it's it'd be a toss up then if you've got to take medications or you need food a well. Okay then yeah but but at the same time. If the majority americans being healthy and not needing a whole lot of medications food would be the top priority so food station and then the other necessities sure sure so that so that kind of helps me prioritize as far as you know if i do find myself in a situation like I don't know what i'm going to you know. I only have so much money this month. And i can't pay whatever this one bill. Is you know kind of helps me. Prioritize food housing transportation medical. You know and then if it's more detailed it's down to the really really fine details of a few dollars here versus a few dollars here then. I think that's something you really just sit down like. If it's if it's you by yourself you just make the best decision right an absolutely. If it's you with your family you know you sit down with your spouse and or with your partner and you you talk about it like what do we want to do this month to make ends meet well and and i would say to that the amount of people who actually don't realize where their money's going is phenomenal so he say eighty percents living paycheck to paycheck. I would say one hundred percent of that. Eighty percent have no idea whether money's going and they don't realize that they probably have enough coming in to cover these four walls and then some that the problem comes is when they make all of the additional lifestyle choices and then they're like oh. I don't have enough money for food while it's because they just bought a thousand dollar iphone. So i mean like i know that's really rudimentary example. Because most people are buying their phones on the month to month plan that they put on that they tacked onto your bill which side note really crazy. I was trying to buy a new phone for my wife. No cellphone store will let me pay full price outright for the phone. They forced me to put it onto a monthly plan. Really i is crazy not i was like. I've got nine hundred dollars. That i'm gonna pay you right now and they don't want it. They want it on the monthly plan. So what's funny is so my family. We are an android family. Okay we've always been. We've never gotten into the iphones. You know my daughter. She's a teenager now. So she's kind of leading me toward the iphone but we've always been an android family and for the past few years. I have bought all of our phones directly from samsung. I don't know if you can do that with apple or not if it has to be carrier specific and you have to do over a month to month plan but if i go to samsung dot com. I can just buy that phone outright. I couldn't yeah. I basically i swipe my card more or less you know and you type in my numbers. He and then a couple of days i get new phone on my on my doorstep and so have to remember that for my wife because she's a samsung guy. I'm an iphone. Yeah for sure and so we when we started doing that. We've been with our with our carrier for. I don't know five six seven years now and so we're not really planning on leaving and going to another carrier. But i do get the unlocked phones just in case i need to right and so and so it is really nice to just be able to swipe their credit card and be like. Hey here you go. Here's all the money up front. I don't have to worry about that That money coming out every month right so off that sidetrack for second sorry about that it was just. It was really crazy when i was trying to do that. I couldn't believe that is crazy for phone. So why things that. When when i sit down with somebody and i'm going through this. Is that a lot of people. Don't realize all of the essentially the line items within each of these categories so under housing. There's a couple of lines you've got your mortgage or your rent which includes particularly if you have a mortgage. It also

Marco Aaron Perkins Dave Ramsey Maslow Afghanistan Florida Us Army Navy Ohio United States Markos KAY
Milwaukee's Electric Scooter Season Begins

The Dave Ramsey Show

00:30 sec | 2 weeks ago

Milwaukee's Electric Scooter Season Begins

"Streets this summer as the city's Department of Public Works tries to implement more transportation options. The return as some riders excited after last year's hiatus. I think that this is such a good, more fun concept than just a bike, but they acknowledge those who aren't following the rules can create headaches. Don't put in alleyway. Don't do it here. But there's no consequences as you wouldn't know who put it there kind of things. Study runs until November, 15th in downtown Milwaukee. Tony Braddock WTMJ news. In

Department Of Public Works Headaches Tony Braddock Milwaukee
NC Senators Tell Governor to Drop Federal Unemployment Benefits

Dave Ramsey

00:33 sec | 3 weeks ago

NC Senators Tell Governor to Drop Federal Unemployment Benefits

How to Communicate Effectively to Your Team with Patrick Lencioni

The EntreLeadership Podcast

02:06 min | Last month

How to Communicate Effectively to Your Team with Patrick Lencioni

"Let's start out with our conversation with pat lynch tony. I got to talk with him about the importance of communication and why it doesn't happen the way we wanted to. Sometimes as dave ramsey says the biggest problem with communication is that we're under the illusion that it's actually occurred we tend to use ourselves as a baseline while i understood what i was saying. And if it's a latte. I think at the end of the day. It's a lack of empathy for like. What does that person see or hear. And how is that different from me. So we we often commit called the fundamental attribution error. And that's we assume that other people are like we are and if they're doing something wrong it's because they have a flaw but if we're doing something wrong it's because our environment is causing it. So i think the more that we can follow the advice of saint francis of assisi and understand others before we understand ourselves the less likely. We're going to have that communication problem you know. Oftentimes in business were moving fast. And there's a lot of work to be done. And so if i'm a business owner and i hear okay i need to have more empathy. I need a slowdown and understand them. More even if i want to do that pat. I don't have time. We gotta make stuff happen. We gotta move. They needed to get on board and figure it out. I'm not here to babysit these people. They have a job paying a lot of money. They should do their job. Yeah that's bad economics and bad mass because the idea. We have to slow down in order to go fast. I i like that because it's not down in order to slow down it slowdown in order to go fast. And when we slow down and make sure we're understood and we make sure we understand where somebody else's coming from we get more done faster when we're just going fast all the time we're constantly going back and having to clean up explain ourselves and it's like racecar driver hugo into that turn and you're like i'm gonna cut time off during this turn you're going to spin out you're gonna end up slowing down going out of the straight the people that know how to slow down going into the turn. Come out of it going gangbusters and so we have to recognize that. We think we're going fast or causing ourselves a lot more problem by having to go back and clean up everything afterward

Pat Lynch Tony Dave Ramsey Saint Francis Assisi PAT
3 Dead, 1 in Critical Condition After Shooting at Oneida Casino

Dave Ramsey

00:33 sec | Last month

3 Dead, 1 in Critical Condition After Shooting at Oneida Casino

"Deaths in a shooting at a casino in suburban Green Bay, Wisconsin. We need you to have after one night, a casino mean night a casino way have an active shooter situation. Multiple patients at this time we have, at least for being reported police confirming. In overnight news conference, a gunman entered the Oneida Casino looking for a specific Big employee who wasn't there and opened fire anyway. Four people were shot two killed before the shooter was shot dead himself the surviving victim taken to a hospital in critical condition. The it's unclear if the gunman was also an employee of the casino

Oneida Casino Green Bay Wisconsin
Polls Say 52% Approve of Biden

Dave Ramsey

00:33 sec | Last month

Polls Say 52% Approve of Biden

"It's less than a week until President Biden's 100 Day in office and a new poll takes a look at his approval. Rating. Details from ABC is Derek Dennis. The new ABC News Washington Post poll shows. Biden has the third lowest job approval rating for any president at 100 days since Harry Truman Just 52% of Americans approve of Biden's performance so far on Lee Lower was Gerald Ford at 48% in 1974 and Donald Trump at 42% in 2017. Biden's hi mark his handling of the pandemic, his low mark the immigration crisis at the US Mexico

President Biden Derek Dennis Biden Lee Lower ABC Washington Post Harry Truman Gerald Ford Donald Trump United States Mexico
Prince Fans Pay Respects at Paisley Park 5 Years After Death

Dave Ramsey

00:19 sec | 2 months ago

Prince Fans Pay Respects at Paisley Park 5 Years After Death

"To Prince fans marking five years since the legendary singer died. The sanctuary where Prince lived and worked, has turned into a museum since he died in 2016. 1400 fans were custom clothes, left flowers and pay their respects at a statue outside. Then again inside in the atrium or princes, ashes were put on display. Monica Ricks CBS

Prince Monica Ricks CBS
Johnson

Dave Ramsey

00:29 sec | 2 months ago

Johnson

"Slaughter A nationwide pause of Johnson and Johnson's one Dose Cove in 19 vaccine will continue. A CDC advisory panel wants to look into more data to see if a handful of rare blood clots Are linked to the vaccine. Doctor Jason Goldman's on the panel also suggest we consider the risks first benefit of the vaccine compared to the risk of gang covert itself and the potential death from the disease. The reports are very rare six cases out of more than seven million

Dose Cove Johnson Jason Goldman CDC
Vaccine Sites Close After Reactions to Johnson

Dave Ramsey

00:27 sec | 2 months ago

Vaccine Sites Close After Reactions to Johnson

"With covert case is spiking and more than half of the state's Johnson and Johnson reporting a temporary and large dropping available single shot vaccines due to contamination of the Baltimore plant. ABC is Trevor also after a small number of people reported mild adverse reactions to the J and J shot. Vaccination sites in four states that have the supply temporarily stopped administering it, The CDC insisting those doses they're safe, and nearly every site has

Johnson Trevor Baltimore ABC CDC
Seattle Walmart shopper subdues maskless man who threatened to assault customers

Dave Ramsey

00:49 sec | 2 months ago

Seattle Walmart shopper subdues maskless man who threatened to assault customers

"Was subdued by another man when an altercation happened because he wasn't wearing a mask. I guess the guy who was massless also refused to take a a temperature test. Or maybe now, you know what, Actually let me take that back. I think that's another story at a Disney world. I have two of these stories. This man just didn't wanna wear a mask, and he started to say that anyone who came toward him. Well, he was massless was going to get attacked. He was going to assault. Somebody and one of the people in the in the WalMart in Seattle actually did subdue the man in the footage of the suspect, identified as 29 year old Troy Robinson is first seen ignoring Wal Mart employees who attempt to escort him out of the store before 21 year old shopper intervenes. Police say the suspect had been threatening to assault anyone who touched me. Which is cash me outside, apparently, which is when the 21 year old stepped in and confronted now, my

Massless Troy Robinson Wal Mart Disney Walmart Seattle
Officer Injured in Attack Outside Capitol Released From Hospital

Dave Ramsey

00:28 sec | 2 months ago

Officer Injured in Attack Outside Capitol Released From Hospital

"Officer hurt in Friday's attack at the U. S. Capitol. George Washington Hospital this weekend. Several dozen officers were there to cheer on Ken Shaver as he was released. Another officer, Billy Evans, was killed when a man rammed his car into a barricade. Friday afternoon officer shot and killed the driver. The Capitol Police union is calling on Congress to urgently ramp up security at the

U. S. Capitol George Washington Hospital Ken Shaver Billy Evans Capitol Police Union Congress
SAG Awards history is made with people of color taking home top four film awards

Dave Ramsey

00:18 sec | 2 months ago

SAG Awards history is made with people of color taking home top four film awards

"Continued Sunday night with the Screen Actors Guild Awards the late Chadwick Boseman. Won best male actor that for Ma Rainey's black bottom. Violet Davis won best female actor for the same film trial. The Chicago Seven took the top prize at the SAG Awards. Tom 40 CBS News

Chadwick Boseman Screen Actors Guild Awards Violet Davis Ma Rainey Chicago SAG TOM Cbs News
Britney Spears Breaks Her Silence About the 'Framing Britney Spears' Documentary

Dave Ramsey

00:43 sec | 2 months ago

Britney Spears Breaks Her Silence About the 'Framing Britney Spears' Documentary

"Britney Spears has finally broken her silence about a documentary on her career and conservatorship. That documentary premiered last month on WHO Moons in an Instagram post. Britney Spears reveals she was embarrassed by the documentary and cried for two weeks because of it. After the premiere of framing Britney Spears. She continued to post on social media but never directly addressed it. On Tuesday, she posted a video of herself dancing, which is the usual type of content you shares, but this one was different than others. My life has always been very speculated, watched and judged, really my whole life Spears Road in the caption, she says for her family she needs to dance to Steven Tyler every night as she is in a

Britney Spears Steven Tyler
Arizona reports 733 new COVID-19 cases, 26 additional deaths

Dave Ramsey

00:13 sec | 2 months ago

Arizona reports 733 new COVID-19 cases, 26 additional deaths

"Coronavirus Cases reported today. In Arizona. However, about 200 of those cases are due to back dating from one state lab partner. 26 new deaths also recorded today. Along with more than 25,000 new diagnostic tests. This

Arizona
Container ship stuck in Suez Canal

Dave Ramsey

00:17 sec | 3 months ago

Container ship stuck in Suez Canal

"With a mega cargo container ship is that when it breaks down, it causes a mega traffic jam. That's what's happened in Egypt. Suez Canal a quarter mile long time when he is flagged ship called ever given has lost power turned sideways and is blocking the canal, which carries 10% of the world's goods.

Suez Canal Egypt
"dave ramsey" Discussed on Wisdom From The Top

Wisdom From The Top

08:48 min | 1 year ago

"dave ramsey" Discussed on Wisdom From The Top

"Building is larger than my house in their furniture's nicer than mine. That must not be an accident. Yeah I mean I think that the idea of a psychological thing about right which is a thing hanging over you like like when you get a when I get a bill and maybe got lost the mail and then you get the warmth of red thing on the top saying you know past notice you know freaks freaks me out but but then I've got. I've got friends who are economists and know a lot about finance and they'll say look if if you've got a really low interest loan like mortgage like for example example. My my home mortgage rate is really low. It's it's three point. Something percent really small. percentage rate They'll say to me. Hey a you know that's debt A that you should carry that you should pay that off slowly. Shouldn't just pay it off quickly because you're going to get the deduction and all those things does. Does that make sense to you. It sounds like they went to the same class. I went to Gaul but the problem is the data is different than the academic theory the actual data in the marketplace of people who really build wealth again. I have never met someone ever and I've been doing this thirty years years. I've met billionaires. I've met people that are deca millionaires. I've met thousands and thousands and thousands of millionaires. I have never in all all of that. Time met one. That said Dave you know I use that low interest on my home to build wealth. They never tell me that. As a matter of fact the average millionaire pays off their home in ten point two years and so You know the only people who can be wrong twice a day and keep their job or weather forecasters an the columnists so I really don't care. What their theory is? I'm talking about real people who are winning and so really the idea is if you can eliminate your debt. That's a secret that's sort the the the co- The guess not really secret but that's kind of the the when people say. Hey Dave what's your secret. What's the magic formula you? It's really getting rid of debt. Well because people wanna live their dreams they WANNA be outrageously generous they WANNA be able to change their family tree And when you don't have any payments you can put fifteen percents of your income and your 401k. Now fifteen percent of your income if you only make household income below average of fifty thousand dollars a year is seventy vigny five hundred dollars a year. Six hundred and twenty five dollars a month which from age thirty to age sixty five in a poorly performing mutual fund will be over two million dollars dollars. That's the power of not having a house payment. That's the power of not having car payments. That's the power of not having a mastercard and spending more than I make an acting in Congress and I can print money or something. It just doesn't work so when you have people who call in and say yeah you know. We took the SLOAN OUT ON A. We got this really nice car car. We you know we. We took this loan to buy you know this house or whatever I mean. Do you also sort of council people to. I don't know to be kind of more more modest with what they buy to be less materialistic or is that not not something that you really care about. Sure I mean. I've made a lot of money in my life but you never make enough money you to buy anything you want. Yeah 'cause there's an infinite number of things you can buy and so at some point you have to learn about this thing called contentment at some on point you have to say hey stuff is fine. Gets you some stuff. But if you eat enough lobster it tastes like so I mean so many things you can do with money and I and some point. It's an the endgame of it is is empty and so the the whole thing is yeah. I need to limit the car I buy. I need to limit the house. I live in any lead. Limit my spending at the mall. I need to limit the price of my purse or my jacket or my haircut. Or whatever so that it's within the bounds of common sense so that I can live my dreams. If you will we'll live like no one else later you can live and give like no one else is that I mean that's interesting because that really talk to people. I talked to obviously a lot of very wealthy people right right and it's interesting because many of them don't sort of see their money is their money especially when you're talking about a billionaire right. You can't spend it fast enough. Most of that money is going to be given away has to be given away. Is that in your view. Kind of one of the points of of accumulated a lot of money to to give it away. Well now you quickly learn whether you're in a situation like you're describing or whether you're a person of faith that you don't own it as a personal faith I believe I don't don't own anything. I'm just managing it for God. Part of one of my one of my directions is I manage. His money is for the good of my household past that it's for the good of others others past that it's for the good of an inheritance and you know passing money along in so I'm managing it for the good of the community for the good of my family family my future and my my my lynch as well and so that you start to realize I'm a manager I'm a steward of of these incredible responsibilities and it just it ceases to become all about you otherwise you just turn inward and become one all those people and there's a few of those money but not many dave an not naming any names but some of your competitors on the radio they really Part of their currents he sort of speak is anger anger about the system about politicians Pointing fingers at people rallying people up that is not not. It's not what you do. It sounds like you're basically trying to say the people look forget about you know the political situation or forget about an individual In your state or policy like you actually have agency you actually have the ability to to to write right your destiny it is. That is that right. Is that what you're trying to say to people. You Know I. It does mean no good to convince someone to be angry at something they can do nothing about. I can't fix what goes on in the White House. I mean I had a political person asked me to come testify before Congress not sit. No No 'cause you don't you're not going to do a thing I say. So why am I gonNA waste my good air and the only reason you're doing is you want to somehow how cozy up to my brand to get votes and you're not going to do any of this stuff so you know it's just it's a manipulative garbage so I'm going to stay home and help people and I'm going to save my jet fuel you know it's just not going to do it and Because I I have prospered and I have failed during every reportable TYPE OF POLITICAL REGIME IN AMERICA EXTREME liberals extreme conservatives and you know misbehavior. `have you're of all kinds and the White House it turns out that what I do every day when I get up and go to work and the decisions I make has a whole lot more to do with whether I succeed when what those scrubbers do I mean you have had a life of total loss right and collapse right and and that really really informed the way you think about about the world today I mean when you were twenty five twenty six. You thought you're the smartest guy in the planet now you you have written bestselling books. You sold eleven million copies. Lots of people think you are the smart financial guy on the planet but do you still will like if you were evaluating Daveramsey from the outside. Would you be skeptical of Dave Ramsey. Or do you think he is the smartest guy on the planet. I'm skeptical. Anybody thinks Mars go on the planet planet. So now I I I learn something every day Older and wiser than was when I started this journey But this journey is not over. My wife is not married to the same guy. She married thirty seven years ago and she will tell you. Thank God so I'm a lot better leader in my business than I was when I started at thirty two years old a much more knowledgeable of digital things than I couldn't even spell digital a few years ago. Oh and I am continually learning. I'm the I admit I don't know everything what I do know I do know and I'm okay with that too. That's Dave Ramsey author of financial peace and other bestselling books. CEO Ramsey solutions and host of the Dave Ramsey show. So one of the most listened to radio shows and podcasts in the country. He thanks for listening to the show this week. The music for this episode was composed host and performed by drop electric garages. And you've been listening to wisdom from the top for the media and built it productions.

Dave Ramsey Congress White House Gaul Ramsey solutions AMERICA lynch Daveramsey Mars
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:02 min | 2 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"To the dave ramsey. Show hi dave thanks. I haven't mouth certainly how can i help sure i've got a question. <hes> currently my fiance and i are both on our own individual step to good <hes> <hes> i make a good bit more than she does and i've got a lot less debt so i make about fifty five thousand a year salary and i've gone about six thousand in-depth left so that knocked out here in a couple of months good when you get married <hes>. We've got to get married in september. Good yeah like not a year. Why are you in a year. <hes> mainly 'cause we wanna be able to cash for the wedding. We don't have anybody that really can help us out <hes> uh-huh okay so i was figuring that i obviously pay off my and then i probably have to catch the wedding myself okay so we're gonna try to keep that reasonable okay. <hes> my question is in the period. After i've saved up money until the wedding go after the wedding <hes> typically i would move into step three but being that she'll still be in step two. Should i just save my money and then apply that ah her student debt well i mean you're going to go ahead and do your baby step three but when you get married you're no longer in baby. Step three three. You're back to baby step two so you'll clean out that emergency fund and applied to her after the marriage okay so what are you going spent on this wedding yeah. That's that was my next. Question is is how much how much is reasonable spent <hes> i. I'm in favor of keeping against affordable and i think she's too. What does that mean. What does that mean to you. I think that's wanting to do it for less than five grand okay. Why don't you get married by christmas okay. Even if you put your dad on hold to save.

dave ramsey
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:36 min | 2 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"I have a Saturn answered your questions and <hes> this is the last time I'm I'm GonNa do that at this location. <hes> this is the last hour of the Dave Ramsey show in this location probably doesn't matter much to you guys but we're a bit poignant around here. The studio has been redone in that seventeen seventeen years <hes> to be upgraded. The quality of equipment that you can get is certainly changed over a couple of decades. The delivery of things has changed over the couple of decades during at that time we started and ended a Fox Business Network television program and the studio was outfitted with cameras robotically controlled from New York by the Fox business team and we did that for two two years out of the studio as well as the Dave Ramsey show itself <hes> the first two years of the Fox business network. We were on the evenings. Some of you didn't know that <hes> I'm not very good at T._v.'s. I failed and quit doing it. <hes> I'm happy happy with radio. Thank you for radio and <hes> you know when we moved into this building. No one in America knew how to spell podcast <hes> and now there's about seven million of you. Listening podcast we launched launched a YouTube channel in this room that you guys watch live every day. Hello shout out to the Youtube crazies out there they call themselves and <hes> the <hes> we we launched a facebook live broadcast from the show from this desk. We've launched the Ramsey personalities and their books and number one bestsellers all from this desk on this radio show <hes> we've told you about all kinds of things over this <hes> seventeen years <hes> I was sitting here you know when all kinds of different crisis happened around the world earthquakes school shootings and church shootings shootings and all the different things that happen sitting here through several presidents being elected and none of them changed my life or yours <hes>. I've sat here through a lot of stuff in a couple of decades. It's pretty interesting so why were celebrating the day we're celebrating a new studio that is absolutely gorgeous that were moving into <hes>. You need to come visit in August. We'll be open at the new location in just a few weeks here. We'll start broadcasting Monday.

Dave Ramsey YouTube Fox Business Network facebook New York America T._v. seventeen seventeen years seventeen years two two years two years
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:36 min | 2 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"A mic drop. This is the Dave Ramsey show. Today, proverbs twenty five twenty eight without self control man without self control is like a city broken into and left without walls. Harry Truman said in reading the lives of great men, I found that the first victory, they won was over themselves self with all of them came first. There's no discipline without self this one folks. The truth. Trouble saving. I have trouble losing weight. I have trouble dot self-discipline shelf control. It's kinda like you know, I hear the millennials they say, whether they call it adulting. Adulting. Growing up. One definition of maturity is learning to delay. Pleasure. You pay a price to win. Major grownup. While you're twenty two or sixty two you pay a price to win. Major grownup. The first battle is self control, personal finances. Eighty percent behavior..

Dave Ramsey Harry Truman Eighty percent
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:00 min | 2 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"And he is he's a wealthy individual. And he was actually interviewed for Chris Hogan's book, and he was telling us that we were telling them how was asking him. How can be successful like you kind of thing. And he says, well, if you want to be successful, all you really gotta do is follow Dave Ramsey because I was Dave Ramsey before. Dave Ramsey was Dave Ramsey. So I honestly just jumped on your podcast the next day. And I just pretty much drank the Kool aid I got into. We got into financial peace university. We had every dollar. We were doing everything right now. Every single one of your books every single wanna Chris's books Christie rights book. And we just we didn't really drink the Kool aid. We kinda just chug the Kool aid, and it's been a great time ever since. Wow. Very good, man. Congratulations. Very cool. So you you went all in. So so Kelsey Kevin goes completely all in. He goes off the deep end you go off with him. Or did it take you a little while? It took me a minute. So I I he asked me, you know, you gotta listen to this new book. You gotta listen to total money makeover. And so I was driving a lot for work at the time. And he he got me audible book, and I listened for a couple of hours, and then I came home. And I was like Honey, I don't know if I wanna keep listening to this. He's yelling at me. But but I pushed through and then I started listening to the podcast, and it just the rest of history. I mean every single day we listen, and it we we had our son eight months ago now. And when we started this journey we decided that we wanted to do this for him as so we you know, we could give him a new family tree. And oh gosh. It's just it's been amazing. We and we listened to everything in the car, and we talked to him about all the great things that we're gonna get to do because of the program that we've done with you. We're proud of you very well done for up. So just to clarify. You are a sweet person, and you have gentle spirit. So I'm I wonder these days now that you're out of debt and haven't got this pile of stupid sitting in front of you. If you went back, and listen if you still hear me yelling because I was. I listened to it. And I was like, you know, he wasn't yelling everything I needed to hear wanna hear it sounded like he was yelling. I hear you. Aww. Experience the same kind of thing a lot. That's why thought it's very interesting to go back with a different paradigm. And here the same word said the same way. Oh my gosh. You guys are incredible. Very well done. How old are you to twenty eight a right well done. Nice nicely played. How does it feel to have no payments? It's very relaxing. Honestly, there's a lot of decisions that we are able to make that I don't think I would have had the courage to do beforehand because of the debt so to speak. So I feel as though we can make a lot more free choices and things are easier to do because there's nothing holding us back sort of thing. That's the way we feel about it. They man. So it's always have a plan. We we have our budget and we follow it. And you know, just like you and Rachel say it it feels like we've got a raise. No. We know how much we have spent well done. Well, it's nice to have a family member that's everyday millionaire that can encourage and get you started other than that. Who is your biggest cheerleader? I think it was each other. I would come home with a new thing that I heard on the show that day and say listen to this Chris said this today in day was agreeing with him. And I was like I never heard it before how you feel about it. And she's like, wow, that's a genius idea..

Chris Hogan Dave Ramsey Kelsey Kevin Rachel Christie eight months
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:09 min | 2 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"Cool. Good. Thanks for calling in we pre shape. The confession. This is the Dave Ramsey show. It's an everyday millionaires theme our on the Dave Ramsey show. Chris HOGAN, the author of the book everyday millionaires joins us as we talk about and talk to real millionaires. The find out how real millionaires really did it. So if you find someone who's lost a bunch of weight, and you wanna learn how to lose weight you ask them. How did you do it? You don't ask someone who has a theory about losing weight? And obviously still needs to you ask someone who's actually freaking done it. And that's what we're doing here. That's called a best practices study. You talk to a real millionaires. Not your broke brother-in-law with a political opinion. How did you really do it how where do millionaires really come from and in the lobby of Ramsey solutions stands and everyday millionaire Leah's whether it's highly. How are you? I'm doing very well. You so much for having me on. We're honored to have you, sir. Where do you live Durham, North Carolina? Cool. So you're over here for the town hall tonight that I hang out with what we're honored to have you? So what is your net worth, sir? We're at just over two million dollars. Okay. So two million break that down for me. How's that invested? So one point five in retirement accounts, four hundred thousand in property in one hundred.

Dave Ramsey Leah Ramsey solutions Chris HOGAN Durham North Carolina two million dollars
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:45 min | 2 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"Retirement savings of fifteen percent. It's fine. It's fine. The we recommend the sea. The S and the I fund eighty percent in the seat. Ten percent. The S ten percent in the eye. And that's all don't do the ale that means lousy. Stay away from the other funds. I think you can probably get better returns with open market mutual funds than that. So I would consider that for your Roth IRA's and stuff, and maybe not put it all in your TSP. I think you can beat those funds that are in the TSP, but they're certainly not bad funds. This is the Dave Ramsey show. Thank you for joining us, America. This is the Dave Ramsey show. Glad you're with us in Helena, Montana. I by our you. Are you Dave better than I deserve? What's up? So I'm a hunter. And this is my primary source of meat for my family as we have five home. I'm wondering where in the monthly budget..

Dave Ramsey Helena Montana America fifteen percent eighty percent Ten percent ten percent
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:04 min | 2 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"Welcome to the Dave Ramsey show. Thanks for taking my call. Sure what's up. Well, first of all, I didn't know anything about you took three weeks ago and I was driving in a heard you on the radio, but my first baby step was my mother putting her nine foot. My rear say money and go to work. But I have five between me and my wife. We have five, four one ks our he's and I was wondering fifty six in the know when you might consider consolidating those. 'cause I've left some former employees employers and so she but we've rolls or stuff over into our eighty. So just want what you were on that every different 401K will be different IRA when you roll it, but you could have five IRA's that were all rollovers from previous for a one ks or previous IRA's, and they could all be at one investment broker and one person while watching over with you and that's advisable. So yeah, I, I would get with one of those Smartvestor pros. I was just talking about right before picked up the call. Click Smartvestor at daveramsey dot com. And I can show you how to do those rollovers. There shouldn't be any taxes involved if he'd roll over traditional IRA to traditional 401K to a traditional. IRA there's no taxes on that. If you do a direct transfer rollover and Don, we always recommend, and I personally invest with the recommendations that I use. Oddly enough to that, we put your in retirement and my retirement in four types of growth, stock mutual funds, growth, growth, and income, aggressive growth, and international, and spread the total of the nest egg across those four and evenly twenty five percent h. Kathy is whether in Wisconsin, I cafe, how are you. I'm good. How are you doing Dave better than I deserve what's up? Yes. My husband and I are looking for tire within the next two to three years has been for.

Dave Ramsey Wisconsin Don Kathy 401K twenty five percent three weeks three years nine foot
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:33 min | 3 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"You to fill out the dave ramsey show to fill out and kelly get in touch with you and you know we you know you can't continue to be using debt the point is is to teach people to be out of debt and so i still use my credit code while it you don't get to do your dad gummed up free scream you're too stupid so that's not how this works the point is to teach people to get out of debt and stay out of that so that's the stuff and kelly's going to screen you for that kind of thing but we don't require that you went through financial peace university an interesting number of people now have coordinated financial peace university i don't know if y'all notice that if you listen every day the number of debtfree screams that someone went through the class they read the book they listen to radio that read the book they ended up going the class and then somewhere in the three years or two years of working their way out at the end of coordinating class because that way they stay plugged into the material in that accountability that encouragement of being around the whole financial peace university system is a part of the equation for a large number of people that have this win this debt free scream win so you hear that a lot and you know if you drive down your street you found the opposite count ten houses seven of them have too much month left at the end of the money they're not having fun seven out of ten americans are paycheck to paycheck all the money comes in all the money goes out only the names were changed to protect the innocent but you don't have to live like that if that's you if you're one of those that does not have to be your reality that is chosen reality and you can choose to.

kelly dave ramsey three years two years
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

03:03 min | 3 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"Cool is that changes everything do something you do something it's your turn let's go this is the dave ramsey show thanks for being with anastasia's with us in mobile alabama welcome to the dave ramsey show can i help david see for a while now sleep so i'm having a little bit of issue like i'm into i'm really getting into the dave ramsey koga i'm pretty passionate about it and i'm planning to follow it through thanks i'm twenty two i have a lot of times go implement all day but my family does not have the biggest the greatest financial history i'm trying to i guess spread it around everyone around my friends and family but mainly my parents they aren't in a great fun inch and my mom just about bankruptcy my dad is deeply into and i am committed to helping them when their time as 'cause i don't know if they'll be able to do it alone but they don't really i'm trying to get him on board to guess help me help them so they'd be an good financial situation as possible four they're both around sixty fifty seven fifty eight okay and your questions what how do i get them to get on board that i can eventually help them better in the future you can't ninety percent of the time you can't here's the thing it's called the powdered but syndrome wants someone as powdered your but i don't care for your advice on sex or money it's hard to give your parents advice really really hard when you're twenty two fifty eight okay it's hard for them to hear it from you even though you're right but it's just it's a very difficult relational thing to cause that to happen i've got very wise beyond their years kids that are twenty six and thirty and thirty two and it's hard for me to hear their advice and i work at it but it's difficult i'm fifty eight and they said on my operating board they're part of our management our leadership team here and even in that case i have to stop and not use my dad voice and list.

anastasia alabama dave ramsey david ninety percent
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:14 min | 3 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"Could be wrong but whichever don't put money something until you are comfortable this is the dave ramsey show joining us america common sense for your dollars and since this is the dave ramsey show suzanne is with us in denver hi suzanne how are you i'm dave thanks so much for taking my call sure what's up well sir i read your total money makeover book about a year and a half ago and got mad at myself and we've been hammered out ever since good for you but we do have unique situation coming up and i just wanted to get your just talk to you about it and see what the best plan of attack would be the only debt that we have currently is a school loan of which my that i was a cosigner for that now i had to take on which i wasn't happy about so we've been really concentrating on that and then we have our house debt is the student loan fifty three thousand k and the hell much on your home two hundred and fifty two dot eu okay and so the unique situation coming up is that my father has passed away two years ago property is selling and we will be acquiring portion of that sale and i guess my point is do we pay off our mortgages and then invest in money markets and of course the school on will be taken care of but i guess the best bang for the buck especially when this is once in a lifetime opportunity to really make the right decisions that we've already been making with the with the program but you know just really make sure it's the right thing destroys gas on the fire.

suzanne dave ramsey america denver fifty three thousand k two years
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:54 min | 3 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"You're listening to the dave ramsey show podcast it's hard to believe but this year we celebrate twenty five years of the dave ramsey show being on the air for us it's really a celebration about you and the life change we've been able to see in you guys our listeners over the last quarter century thanks for being part of a twenty five year legacy live from the headquarters of williams's solutions it's the dave ramsey show more debt is dawn cash news key and the old mortgage has taken the voice of the bmw rose spout of choice dave ramsey or hosed jump in your life and your money it's a free call triple eight eight two five five two two five that's triple eight eight two five five two two five starting off this hour is going to be alunan green bay was constant high alan how are you dave i'm doing good how're you doing better than i deserve what's up okay um salama a senior in college right now um we'll be graduating a couple of months um but i guess just since i've chug watching your show allied i've been looking into budgeting and uh looking like finances and stuff and i'm going to pay off eastern long the picking out or then in college um and while doing that i found out that um my law imam has been in charge of all my finances and i found out that she's been taking a lot of money that.

williams bmw dave ramsey alunan green bay twenty five years twenty five year
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:12 min | 3 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"Yeah and you know it's opd on it and it just it's a high hassle factor situations you need to make some bank and you're not paint and it in worth it to me i love real estate but this on this and worth it to me if i'm in this i'm selling thanks for the call that's what we do here now not real estate but we do real estate if you want to because this is your show we talk about you this is the dave ramsey show hiring hiring hiring our in order to beat the competition you need a winning proposal that's why i'm excited to tell you about the new fresh books proposal feature to help you when more jobs it's an estimate on steroids the proposals feature let you include an outline of your project scope of work and a time line all in one place no more switching software no more fussing over style and formatting and most importantly no more wasting your precious time get your 30day free trial today at fresh books dot com slash daveramsey and enter the dave ramsey show in the hounded you hear about us section by give a joining of america which is the dave ramsey show for we give you the same financial advisor grandmother would although we peak bowed to eat this it's common sense for your dollars and cents darlene is whether it's in oklahoma city i darlene how are you will cry.

america dave ramsey advisor oklahoma 30day
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:30 min | 3 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"Book dot com slash dave ramsey when paying a debt collector should you get a cashier's cheque to keep them from getting your bank information yes or prepaid debitcard but do not give them electronially access to your bank account because in an adversarial situation we have seen them in a collections situation is at the cereal even if they're being nice their adversaries and we have seen them in all of our years of coaching and counseling misused that data and collect more from your checking account than you agreed shocking almost like thieving however it's tough to talk a judge in the fact that they stalled something when they paid off a debt with that money that you also just not at the agreed amount and you don't have anything then know it's just very difficult to get your money back so no never give a collector electronially access to your checking account pre paid debitcard is fine a cashier's cheque is fine a money order is fine whatever you want to do like that wire them the money i don't care but do not let them in your checking account under any circumstances and hallways get the amount you settled for if you subtle if you're settling an old that even if it's for the full mile get it in writing that the amount you're sending them clears the death so you know it's over and done with forever and ever on men thanks for the call this is the dad ramsey show.

dave ramsey
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:30 min | 3 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"That would be the dave ramsey planted hey thanks for calling in open phones a triple eight eight two five five two two five eriksson los angeles eric our you oh great dave how are you today better than i deserve what's up all not much hey got cook were just real quick question i call it a couple of weeks ago and i got a huge tax that i contacted one year he'll keys and they want to help me out there they're going to help me out with my taxes they mentioned something about power of attorney so that they could feel with the irs in the state of california it might be out but is there a limited power of attorney uh i'm not really familiar with any of that that little younger that would be literally as they have to the no one is allowed to talk about you without your written permission it's a violation of federal privacy act and especially the tax people and their real sunny about it and they're super they use that to keep from talking to a professional because they know the professional getting rid with their butts so um they use that to make it hard on a cpa so yeah i limited power of attorney which gives them the right to negotiate only these taxes on your behalf and have conversations about you on your behalf is a standard operating procedure even in the old days a week we don't do it any more here but in the old days we used to negotiate with creditors for people and we would have to get a limited power of attorney to even have that conversation with them.

dave ramsey attorney irs california one year
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:40 min | 3 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"Dave ramsey show worked at is dawn cash is king has taken the voice of the bmw as the status of cells on daveramsey your host this is your show thank you for joining us open phones triple eight eight two five five two two five that's triple eight eight two five five two two five holly starts off this hour in washington dc high holly how are you i think dropping are you buren better than i deserve how can i help you have a question might work carried by foukhar accountability ingles crying period maybe pack one thing is make sure you're doing a written budget on every dollar dot com in the strange thing that happens there is that you're you become accountable to yourself it's almost as if you know like you remember when you're little kids people would say stuff like you're not the boss of me in our economy and the budget is not the boss of view until you complete your budget and then it becomes the boss of you it's your plan and you have to you have to you know your brain has to say i'm going to violate my own plan in order to go outside the budget and so you become a very accountable to yourself when you're doing the actual written budget every month before the month begins on every dollar dot com so we're seeing singles have a lot of success with that alone the second thing you can do is have you been through financial peace university.

bmw Dave ramsey washington
"dave ramsey" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:33 min | 4 years ago

"dave ramsey" Discussed on The Dave Ramsey Show

"Dave ramsey with zhu's king in the age of the w as i'm dave ramsey show thank you for joining us open phones a triple eight eight two five five two two five that's triple eight eight two five five two two front you jump in we'll talk about your life and your money keegan starts off this hour in indianapolis hike ig in how are you rather than either they probably just assume sir how can i help well court question about who owns the payback is mary and my wife uh yes off under some stu on trouble when we got married and we're going through the child flying um she thought she had twenty to thirty thousand but wasn't sure because their parents swore real trans car with low so we got married in january and we've been hitting part which i found out was thirty five thousand at about twenty five hundred a month and the other day i found out that her parents to the parent floss or the other fifty thousand and there wanting us to pay vat pay that back to that i'm just looking for the direction that you'd go.

Dave ramsey zhu indianapolis keegan