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18 Burst results for "Financial Peace University"

Should I move out of my parents' house with $55K in student debt?

Chris Hogan's Retire Inspired

05:49 min | 6 months ago

Should I move out of my parents' house with $55K in student debt?

"A few months ago I turned twenty five and I finally started. You're listening to everyone. Who's been telling me about the Dave Ramsey guy? All right great. Let me listen and so I started listening to him in your show and then I just started doing financial peace university in December. My predicament is so I still live at home with my family. They allowed me live here. Why would you want With great but I'm now in a position where I went to move out on my own. Have my own space all of that. So my question is do I pause my debt snowball and saved to be able to move or should I just stay put or should i. I put a rent in my budget and then do it that way. So I'm not quite sure how to do both because I really chomping at the bit and move and on my own then you all that fun stuff but I also want to set myself up financially so I like you. I like you because no oh I'm serious because a lot of people in your position would be so excited about the possibility of moving out. They wouldn't even think right they would just be spreading out the door. And you know what you'd it'd be yelling you'd be saying freedom as you run out and then you get there and you have all the bills and reality come in and then you go not freedom so so you need to be clear all right so first and foremost are you working right now. Yes sir. Okay how much is your how your income each year. Oh this year I will be around thirty thousand right around thirty thousand and talk to me about the debt. You have left them really. What do you have Sherri I so I have about fifty five thousand and student loan and then I have about twenty five hundred and like consumer debt and then I have? I have a elite and I'm really get rid of now that I know what I know you we we got a little fuzzy right there. What was the last thing you said you have elise? Emily Carr leave. I know what they are. I'm just not a happy all right. This is how much are you on the hook for with this Fleece Oh my monthly payment is three twenty seven. What kind of car is it? It's a jeep compass. Okay all right what else you have outside this lease so my student loans and then a little bit of consumer debt. That's not the twenty five hundred. I mentioned all right and And the least so nothing else. No okay now how is it. That's the money side so you're making around thirty eight. You've got this debt. How our things living at home? They're not bad at all on the scale of one to ten one being absolutely unbearable. Ten being it's Shangri la GimMe a number I'M GONNA five okay all right so it's right in the middle. There's nobody else listeners. Just me and you're talking So okay so that's the deal. Are you currently contributing anything to the household income right now right now the with your parents now I am not. I Live rent-free okay. And how have you saved any money I did but then when I started financial peace you know I put it all towards my corral. Emergency funds a trick question. I was trying to see you do know I was going to get my information one way or the other But I like that. And here's what I do. I love the idea of you being more intentional and I hope to goodness you are throwing money at this debt. Like you know like on fire because what I would say say in looking at this as a getting rid of this lease do you know how much longer you have on it so I will have. I would have it until the summer of Twenty Twenty One I. I know. That's what they're saying. I want to say here's what you're going to do. You get some information about how to get out from under this thing. Okay Because I'd much rather you you buy a vehicle for cash that you know that. Hey this is going to be a car that you're gonNA have not one you're going to have to turn in and I don't like leases because they can give you a total amount of miles els per year and if you go over that they can charge you a dollar more per mile so this can you dangerous dangerous setup for you And so getting that consumer data tacked tacked on your life. You really looking at the student. Loan debt. I like the idea of building a budget and going ahead and looking at some rent amounts in your area and go ahead and build your budget based off that and start to look at this now. I'm saying this because as you're setting money aside you're going to have to get ready to start paying this so it's not only just where you're looking to read. It might be the rent you need to understand as my rent covers certain utilities or not and so I want you to be mindful of this You I need to think about. Are you taking on a roommate or not Are you getting a small apartment. Don't try to get the place. You're just trying to get a place when the time comes but I would also talk to your parents about this. Let them know your mindset and timeframe And really start to really look at this and get ready find out what what their average water bill is. That's going to be different on the home for sent apartment but again some apartments will pay utilities or majority of them. You just need to be mindful of where this is so I like where you are. I'm proud of you. I'm proud of you that you not only have listened to this. You've started to apply in your life and that means you're setting yourself up for success. Excess and emily. You're filling full well. The pain of debt it's frustrating and it's irritating 'cause it steals from you right. It's taking your money instead of you being able to build for you so I'd like your mindset. I like where your head is. Stay focused young

Twenty Twenty Dave Ramsey Emily Carr Sherri Elise
"financial peace university" Discussed on WWL

WWL

07:42 min | 8 months ago

"financial peace university" Discussed on WWL

"In the lobby of Ramsey solutions on the debt free stage Brad I'm a shower with this they guys our yeah Hey Dave welcome welcome what do you guys live Georgia Georgia just like that what part of Georgia Monroe Georgia what outside of Athens to yeah okay beautiful area fun welcome to Nashville and up here to do a debt free scream how much you pay off two hundred and twenty five thousand dollars I love it and how long did this take you actually eight years okay and your range of income during that time I think we started out with sixty and we're up to hundred fifty five now cool we all do for a living I'm a crane operator and I am a county worker for for the county government juvenile court okay great cool so two hundred and twenty five thousand over eight years you pay off your house we did yeah I'm not going to be able to touch that won't allow it where to go you guys very cool very cool what's his house worth about one seventy five all right nice very nice so you fight off everything including the house everything including so the two twenty five was one seventy how much you owe on the house one thirty four one thirty four and what was the other hundred thousand the court well when we started out we were not married we've gone through divorces bankruptcy he had to be re taught how to manage money I had just learned because I have no clue he is the nerd on the free spirited can't fail and we've had a credit card debt I was a stupid person had a mobile home at one time just several different things we have some tax step that we had to take care of like that he would he file bankruptcy and I so what happened there because your turn everything around we want our second part of our life to be better we were we were in our early early forties just turned forty idea and we wanted to live the second part of our life not worrying about where where are we gonna pay this bill where what we gonna do how we go live we thought about the you know getting a retirement started that's our thoughts are now we're thing about retirement we've you know during this time we've able to cash flows some things that have been great it's just the amazing thing show are you get remarried we get a fresh start forty years old we want to clean this up and it's found it's time to you know straight not fly right shows speak out what did you do from there may well you you're married so you sound talked about what happened well we we were together actually we have not gotten a when we took the finest piece course we hope that we started that and eight years ago excluded the class in two thousand eleven okay yes and then we were together for awhile we worked on that and we got our debt down to a minimum and we bought the house and we actually pay the house office six years okay we did that because our our goal we we got it we funniest it but we wanted to pay it off and running we worked hard on that I mean every penny we had good for you into our budgeting went to our house and you know the things that we were cash flow with good for you show your are you fifty yet via yeah but you got to pay for house and your present that for yes and are there for you it's awesome is the feeling like you never would ever thought you'd fill I never thought I would die making a house but not not this where you live but ours where by law yeah and and all my goodness I've tried I've talked to my friends about it summer like yell go that's awesome and I'm like you got to do it too and it's a wonderful feeling there is in your own I'm still in shock and I'm still in shock thinking okay we got a we got to put the money back for the house payment you know unless we did every week when we did our budgeting but not now not now I guess how does it feel to be completely free is this amazing yep you know it's hard to explain yeah it's just liberating now that is a good word liberating is a great word well done very cool so what do you tell people the key to getting out of that is fifty years old everything's paid for house and everything your success I think the key is is working together if you don't do it together than here fighting a losing battle Dallas know what a man that it that's one of the biggest things in my past life merry before we didn't do that I manage all the budgeting it was horrible management because I'm not a numbers person but now that is our thing we get if he's out of town working we're still on the phone talking about it they have a goal have your have your goal what do you want to do and and go forthcoming cut out the bad stuff and just you just got to say get tunnel vision on what you want to do and how you want them how you will handle it and just being able to if you can imagine the under the management of being debt free but then when it happened on my health while we did it I'm a girl look at the easing is a blessing it really is who were your biggest cheerleaders I will say each other yeah each other our friends we have some negative means he's in the background you know it's so funny at work I'm going okay gosh this would cause people to well I don't know what I'm gonna do about this that and I'm a debt let me talk to you and I've even I've loaned out our CD's of loaned out the books I mean we bought a case of books to give to our friends they'll money maker we did that for your present people's like thanks but and people got excited when they stirring and I do have some friends who were actually working toward a my daughter and her husband we pay for them to do that when I first got married so that was one of our guests them and they they're actually you know implement so I was a good give you that one of your basement no no now with four children no Sir I love it well you guys are impressive wary well done very well done very proud of you really really good job so financial peace university eight years ago how did you do you do you remember as you're walking through because eight years is a pretty long slog that's about normal by the way to get your house paid off if you go through appears so you did what you did it perfectly but how did you stick with it because so many people just quit they fall off the wagon well she's the one that actually got me to go because I am honestly I've never heard of you before we started and my story and your story is is fairly similar and Martha my she says her former life and I started kind I was in the house and stuff like that man is selling flipping and doing things like that I was in the same situation you are lost everything uhhuh so we basically I think we're like poster children for the they ran we actually it was the hardest thing for me to do we rented a house for about almost a year well that was the hardest thing down to do after you've owned a bunch of real estate and are to be around her I did that too that's very hard and then we we bought the house and just day to day like you say one bite of ale from the time there you go now and all the sudden the elephant is gone I love it well congratulations very well done very proud of you we got a copy Chris Hogan's book for you every day millionaires you're gonna be one soon if you're not already very well done you know very well done all right it's Brad M. Machel down in Atlanta Georgia north of Atlanta in Athens area two hundred twenty five thousand dollars paid off in eight years making sixty to one fifty five counted down let's hear debt free screen two one one well done you go very well.

Ramsey solutions Brad Georgia Georgia Monroe Georgia Athens Nashville eight years two hundred twenty five thousa twenty five thousand dollars fifty years forty years six years
"financial peace university" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:04 min | 1 year ago

"financial peace university" Discussed on The Dave Ramsey Show

"Minimum payments right now because you makes it -nificant less than what you husband's making so i do believe that some of the responsibilities will be putting your husband if you but as of right now to take care of that and also you have kids so this is something new so i do once going ahead and just make sure that you're able to provide housing shelter food clothes and stuff like that make sure that you are taking care of that then went to start to baby steps with dave make sure you're going ahead and have thousand emergency fund and make sure you're going ahead and start knocking up to debt minimum and then get your three to six months of expenses set aside but as of right now i want you to focus on your your your shelter your food clothing and just making a minimum payments and fight and say hey judge i this is something we together i have the kids i need him to take care of the debt deneen have you taken financial peace university i have and i was actually signing up to li like a single moms when ring my church thank you for doing that and do you have total money makeover book agnew okay all right well i was going to give you both of those but here's the good news you know what to do and you know look i we're not going give any legal advice i think anthony's right here's the reality those debts are in your name so do the minimum right now i wouldn't be opposed you calling those creditors explaining the situation and let's see what the judge does but you don't wanna put yourself in a hole and you want to do what you have to do because your names on it until that gets decided so we pre she ate you and wow here she is a very tough situation and she's still thinking about leading financial peace university class for single moms and what a what a heroine she is and here's the deal you can do this you can do this it's tough right now but it will get better you take care a you and those little ones and hopefully this guy a wake up and do the right thing if not maybe the judge will make him do it i believe so ably to judge see clearly he's making over two hundred she's making sixty with other kids and this is a debt that you all accumulated together hey has been ex-husband need to step up that's the true triple eight eight to five five two two five is the number can call anthony neil sitting in this hour for dave ramsey we're gonna go to nick now who's on the line salt lake city utah nick how can we help yes i'm trying to sell my house and i plan on making about forty six k in equity when i sell it and buy another home and i have about twenty thousand dollars debt total bet other than the mortgage warning if i should use that to pay off the debt and then use the rest or down nick do you have so you're right now you're in babysat number two is sound site you still being correctly yeah until trying to get rid of the debt and i just been turned onto what you guys are doing and and i'm you know trying to figure out how to do it and i think an easy way to just immediately get right at the debt that i have now if you sell the house knit just a point of clarification if you sell the house now which is going to give you forty six thousand and equity wearing gonna live what are you going to do next why i'm gonna i'm gonna buy another home and i'm gonna plan on using whatever's left over from the debt for down payment okay well we have we have a plan about down payments and n._f._l. take over the yeah yeah yeah yeah i love the fact that you're going to sell this home and get equity and with you saying that you knew to our system here's the thing i want you to focus on once you go ahead and pay off all of your debt with that okay this is where i think you may not like me i'm not going to encourage you to go out and buy another house what i want to do is set aside three months of your expenses then i want you to set aside another ten percent to put down towards a home because we want you to have a p._m. free mortgage which is what's this is to avoid the private mortgage insurance company not company but private mortgage.

twenty thousand dollars three months forty six k ten percent six months
"financial peace university" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

03:31 min | 1 year ago

"financial peace university" Discussed on The Dave Ramsey Show

"Ramsey solutions. Ronnie envel- are where the guys, how are you. Were you? What city do you guys live in? Houston. Texas, welcome. Very cool. Welcome to Nashville and all the way here to do debt for each. Yes, sir. How much of your paid off seventy five thousand. About seventeen months. Good for you where we go ahead. We were doing the pay the bare minimum up until we took the financial peace university and then that kicked it into overdrive. Yes, very cool. And your range of income during the seventeen months hundred ten up two hundred and thirty white ago. And what do you guys do for a living? Where in sales, he's in in the dental industry and I'm in the oil and gas industry. Oh, great. Very cool. Good for you guys. What kind of debt was the seventy? Five k? It was a combination maybe all student student debt student loan debt. And then we also had a car now that we, we had one year left and we paid it off in three months. All right, knocked it out. Okay, so you're going along and paying on debt and just kinda living life normal. It sounds like and then seventeen months ago you got into financial patient versity in that caused you to push the pedal on down to the floor and get going, is there. So what started that? How did you end up in class? Well, her her uncle actually was hosting financial. Peace university class, and he tried to get us over to his, but they were about forty five minutes from us. And we decided, well, we'll just look for one locally, and we found one at our local parish which was a mile down the road. So we couldn't say no to that and basically had to track him to class session the truth. Okay. Who's your uncle and it's my uncle, he got you started, but then found one close by. So he's got no excuse and yet. And my brother and sister in law also went through the course so that kind of motivate us, meditated us as well. They go through at the same parachute or different one. Okay. All right. So everybody's in different places, but going through the same time. All right, very, very cool. We're on. I'll be like you. I'd be like you wanna. Do. So how did you talk around into going? It is like, I think I really thought we needed a third party because all he wanted to talk about was paying off her school debt. But I, he thought he knew how to do it, but it was hard to hear what he had to say about it in. So I felt like we needed a third party just to get to get him to class with me. I just needed to hear let you speak to him. He'll plan that you both could agree on and you're in both in sales, and I've been sales my whole life, and one thing about those people is we always think we cannot earn our stupidity think we just make a little more. It'll be. Okay. 'cause you know, you can make a little more when you're selling. I just gotta make a little more do for years. My income will go up. My debt would go up and if I had to change something so so Ronnie, what did she say the talk show into going? The one thing she said, hey, we've got to get on the right page where we were both on opposite ends of the spectrum. You know, she was the spender. I was the nerd. I knew how to develop spreadsheets, but I didn't really know how to go about paying this all off some strategies. And that's what something you could buy into and be on the same page. Being on the same page as a big deal. I got married day we, we were all about buying a house and we got married in two thousand sixteen and we were looking at houses. We're ready to buy. And then we realize we're up to our eyeballs..

Ronnie envel Peace university class Texas Nashville Houston Ronnie seventeen months forty five minutes three months one year Five k
"financial peace university" Discussed on KTAR 92.3FM

KTAR 92.3FM

04:41 min | 1 year ago

"financial peace university" Discussed on KTAR 92.3FM

"Not we don't pay off debt. So we save money. That is that's not obviously not what you were supposed to have learned in financial peace university. So. Yeah. You do not add to the thousand dollar count until you get the car paid off Brad's with us in Midland, Texas hybrid. How are you? Hey, dave. I'm doing great. How are you doing today better than I deserve? What's up? Hey, just wanted to. Thank you, first of all on baby step, seven one hundred seventy six k and eighteen months. And my question today is I took a new new job and looking at their their plan. The investments that I have available to me are pretty much underperforming. The market except for one right? We already we already max out our Ross 4._0._1._K's through a back door Ross and company provides a five percent match. So my question is I need to take advantage of that five percent match. But should I go ahead and throw the rest in an after in after-tax mutual fund? We're getting ready to to start doing that. Anyway, your federal employees. No, I'm not it's a it also services company. It's a what an oilfield services company. Oh, so it's not the federal government TSP. No, no, no. It's not. It's a company thrift plan. Okay. And your options are bad. Yeah. What is the one option? One option is is an equity fund, and it's actually performed about thirteen percent over the life of the fund which the the in the international fund is is is not terrible as as a confirmed or goes with international fund your about seven and a half percent of the life of the. But even even the aggressive is only performing at about a seven percent. I would avoid that. Now. What's your income? My wife together, we're about four hundred thousand this year hall talk about eighteen grand here. Aren't you maximum eighteen grand on the thrift savings? I had been at my previous companies. Yes. And we're we're also likes it max out the Ross, but I'm saying my maximum you're allowed to put into this TSB with questionable options is eighteen grand. Great eighteen and a half. Yeah. Out of eighteen eighteen thousand five hundred out of four hundred grand it doesn't matter. Yeah. Max that thing out if you need to be doing more investing than that. Anyway. So yeah, you do. Yeah. You're doing your back door roths on a double dip you and for your wife imacs this out, and then you're going to do a whole bunch more investing. In addition to that, we're going to put about ten to eleven K a month into mutual funds. Yeah. Yeah. So even if these do underperform, they're not going to underperform so dramatically that they pull your whole life apart given that you're not putting that much money in there. Relative to your income and relative to your other savings. You see what I'm saying? Yes, sir. If they all make five percent and all your other stuff makes ten to fifteen percent over the years. You know, you're going to kill it. And you're not even gonna notice, and I think they'll bake more than five 'cause you're gonna go real heavy into that that index fund. It sounds like it is roughly thirteen thirteen percent one. And I might put a little bit in the international. They're probably not probably wouldn't I probably just put it all in that thirteen okay in this situation. And then get some of your diversification in your after tax stuff that you're doing. Okay, we can do that. That's that's that's not a problem. But I was just wondering what do you do for a living? I'm an operation manager in the oilfield or something. Yes. Oh, yes. For the services company, and my wife said director at a school district. Okay. Well, you guys are doing beautiful way to go, man. Congratulations dang thing. Yeah. But 'cause eighteen thousand is such a small percentage will allow that much to over perform to get the tax deferred growth on that much of it. The rest of us just you're gonna be taxed out your eyeballs on anyway, because you're evil you make too much money, and you must be punished according to the government. And so yeah, that that's your in a crate shape man way to go very very well done, man. Oh, man, boom, boom, boom Lubbock Sandra's on YouTube and says only start investing, but I can only start with five hundred dollars. I don't know what to do or who I can talk to about it. Can you help? Yes. Can if you only a five hundred dollars. It means you're not out of debt. You don't have your emergency fund. And you're not following the baby steps..

Ross 4._0._1._K Midland Texas Brad YouTube Sandra TSB director five percent five hundred dollars seven one hundred seventy six thirteen thirteen percent thirteen percent eighteen months fifteen percent thousand dollar seven percent eleven K
"financial peace university" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:28 min | 2 years ago

"financial peace university" Discussed on The Dave Ramsey Show

"I mean no life so you can clean up this student loan mess because it's going to be there long time if you don't get crazy serious about it. Like thirty thousand thirty five thousand dollars a year on it, which means you got nothing left over after taxes and food. Yeah. Barely making it. Okay. So work your debt snowball and if you put one hundred thirty, six thousand dollars in that debt snowball put thirty five thousand dollars on that. That's a four year plan. And you got four years. Nothing while you clean this mess up maybe three. And of course, as your income comes up, it's gonna shorten that and your income probably will come up as you do this. I take it. You're single. Em well, I'm divorced mother of four. Okay. Yeah. How old dot kids, but I have children fifteen year old foster to adopt children, and then I have a senior in high school. And as sophomore in college foster to adopt that is involving income to you? Yes, it does right now. Okay. It will drop as soon as I adopted them to about half of what I'm getting, but yeah, and then they're education's probably free. Their tuition is covered. Yeah. Okay. Good. Good. Okay. Good. Good. Well, you got your hands full for sure. A big heart, but the these kids are gonna be on beans and rice, and that's that's not a bad thing. They're not gonna. We're not gonna starve them. I don't mean that, but you know, they're not going to the Caribbean for spring break. Yeah, because mom's got a huge politics at the moms gotta clean up. And if you don't lean into this, it's going to haunt you for a decade. And so you've got. Well, you got another decade ahead of us. What I'm saying. If you don't, you don't make it a big, big deal. It's standing between you and all the stuff you wanna do for these kids. And you gotta get it cleaned up. Have you been through financial peace university yet? I have not. Let me help. I want you to go through that class while you're doing this and that will get some people around you to support him, be cheerleaders for you and tell you exactly what I'm telling you here, which is you can do this. It's going to be hard, but it's going to be worth it, but you can do it. I believe you so hold on Kelly, pick up and Donna. If you get scared, you have anymore questions. You call me back. If I'm in your situation, I'm driving this car out. I'm keeping it and you know, but you're driving it. You know, you're gonna be driving it for a while, a long while. All right up. Next is going to be Wyoming. Colton is calling. Hi, Colton. How are you. I'm doing very well day. Thank you. Good. How can I help. When do it having for wenches move out of my parents, wind. Should you move out from your parents? How old are you. I am twenty one. Okay. And what's your income. At the, I'm getting my second job, but. Middle individual Tober. I'm going to be making somewhere close to twenty four thousand a year. Okay. Okay. And are you in school. I have completed my two years of college and having associates and industrial electrical. Okay. Are you going to go further or is that gonna help you? Is that your career goal? That's it. I'm hoping to go further, but I'm waiting until I can out of pocket man, easy student. Good. Good. Okay. How's your relationship with your parents? It's very good. I do pay a small rent, but it's to it's conjunction doing small side jobs for them. Okay. Do you intend to go to school immediately? I have a job in my heels. Okay. So you wanna get you wanna kind of do that on at night type of thing. Yes. Okay, cool. And how's the job hunt going in your field? It it's going sort of well, there there are changes in it and no, I'm not gonna get one right away, so I am having to take it, takes him fulltime jobs that wouldn't do that one to. Okay. Okay. Well, I mean the trick is can you run a budget on twenty four thousand in Gillette, Wyoming. I think you probably can not going to be a lot of room in it. There's no future here. I don't want you there three more years, but if you're there for six months or year more, that's why you hit some of these other goals..

Wyoming Colton Donna Caribbean Gillette Kelly Tober thirty thousand thirty five th thirty five thousand dollars six thousand dollars fifteen year four years six months four year two years
"financial peace university" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

05:49 min | 2 years ago

"financial peace university" Discussed on NewsRadio 1080 KRLD

"All the doctors were saying, that the treatments for, all of this we're going to be. Seven thousand dollars. Eighteen thousand dollars and I was like. We don't have that kind. Of money we're doing everything everybody says that we're supposed, to do we have agreed credit score we've got the new cars were making all our payments but I. Don't even have the money to bury my child So I started looking on, the internet and how his stress buying things on Amazon and, one of the things that was suggested while, I was buying money things was the financial peace university so I, got that I was at home recovering I started going, over the program and, I knew that we needed to do. This and I. Knew he wouldn't read a book so. I got him the CDs. And I asked him if you would listen to them, on the way to work and he jumped right on board Bet What a heartbreaking thing to go. Through I'm so, sorry But more the wakeup. Call was thorough Now when it's something like that. That just is already your hearts, broken but, then on top of that it's like I got. To put this on. A credit card oh my gosh seals so what, that tells me as you. Are done, you will never go, back I mean this is not a this. Is not an intellectual exercise for you. This was an emotional. Exercise for you you said we're never I'm never going to, be in a position. Like, that again that's. Kind of experience Sharon that, head emotionally it was obviously. A different a different, set of events but I'm so sorry I went through that what. A heartbreaking thing and you made it you made, it through the story good for you Strong. You on top of. That while we were going through, the journey we started to look around. My husband and I were both, active duty, air force and we saw other people that were. Struggling with money and. Other people that were trying to do the fertility, thing too and we're like. Well if, we can do they, can do it and so we contacted your. Military coordinator with the kit and that. First class was such. A big success that both of our wing chaplains started to, adopt the program now. They're, offering it quarterly. To people in our in, our wings and it's really. Spreading and we've done, three so far in the next one is in September and all, because you guys thank you thank. You so much That's pretty amazing that some, good good work you're. Doing and lots of people have a lot of different lives on a lot of different stories to, tell just. Because of that wow Well done well. Done While. I'm proud of, you thank you Some hard times to walk through hard times to. Walk through And nine months later everything is different Yes sir how's it feel they. Don't have a payment in the world the lack of stresses incredible feels like you can. Take, on anything that comes, your way yeah It's a mission readiness issue I think very much a lot of the commanders. In Brass that we've talked to about it in different In the different branches of the. Military tell us that it's a, mission readiness, issue it really is when people are you know because it's one thing if you if you work in corporate America and you fly a desk for a living You got a little financial stress and. You, don't keep. Your eye on your business that's one thing, but when you guys don't, keep your on the business people get hurt. It's not a good thing at all so so very cool happy that you guys are turned this around very very cool so now that. You're helping spread the word you, got financial peace university going all through your, wing and everything else. What do you tell people the key to getting out of debt is you paid off. Seventy eight thousand? Dollars. And nine months for me it's communication, communicating on the goals communicating on what you're. Feeling at a time especially going, through this, there's a lot of stress while you're doing the whole beans and rice rice and beans so just communicating yeah Yeah And what about you? Relation Just common goals I mean you have to be on the same team and you have to. Be fighting the same fight otherwise you're not going. To be ground, either way and I mean like, when he was on board we were just like we just took off right away and so. My Jeep and fun stuff Yeah, that's how you move the needle. So fast you just got so intense Yeah but I mean with. With what. You all went through it I. Mean I it just it's, like one of those are wood-burning tools when I was. A kid, it just it burns it into your. Soul. Than that I'm like I'm never going to be here again It's. Like you it's a it's a it's, a very intense thing. And so, it's a horrible way to get there but but but the. Benefit of it is is, that you will never go back you never we're working. On cheating, our whole family everybody for Christmas Scott The total money makeover. Life not theirs. And, so to see. The, rest of our family starting to turn things around to it's been such a. Blessing you guys are amazing. Well thank you, so much thank you I'm glad some good came out of. That tragedy and you guys are the good that's good stuff very very well done well we've of course got a copy of Chris, Hogan's book, for you retire inspired and that's the next chapter in your story it'd be millionaires outrageously generous. And you are on your way. You're going to. Be able, to do, things and already are doing. Things that most people never dream of doing Colton Elissa San Antonio Texas seventy eight thousand post cash flow and ten in nine months. Making ninety. Two one twenty-five counted down let's hear, a debt free scream Three to one where.

Amazon Colton Elissa San Antonio Texa coordinator Sharon America Chris nine months Eighteen thousand dollars Seven thousand dollars Hogan
"financial peace university" Discussed on KSFO-AM

KSFO-AM

06:13 min | 2 years ago

"financial peace university" Discussed on KSFO-AM

"The. Dave Ramsey show. On, talk, radio five sixty Uh-huh You've been listening this, week you know it is coordinator of. Weeks We, have over five million people that have been through. Financial peace university and this wouldn't be possible without. Our financial peace university coordinators coordinate the groups at. Their local church you join a one year membership and get started, it includes nine lessons that you can go to join the group and. These guys can do that, for you and lead you through it Mike and our Vata from the Nashville area. Here from Murfreesboro are some coordinators of hours so they dropped by, in person to let me talk to them guys how are you hi Hi Dave how, you very cool so how long you guys been leading classes well we. Let our first? One May first to. June twenty-sixth though just just the other day? Just, you're just getting started doing How to. Go. Went, fantastic. Was great yeah why did, you. Decide, to do that well I retired April thirtieth oh congratulate I wanted to give back congratulate oh my way of giving back. As. To teach others what we learned from you and decided to do a financial peace. Class okay, she had gone through a class before we had gone in two thousand and ten. So Mike she signs up for this and you're going along Thirty three years of marriage The first time, we went through the class it lets. Such an impact on us we wanted to make sure that our give Ford and one of the things I really love about the opportunity to teach financial peace university class to allow to watch the people when when. They first. Come, in week number one yeah and a lot. Of them are stressed out a lot of them, have a lot of worries. Worrisome things on their minds, and by the ninth. Week it's like, a lightbulb this comes on you watch their. Faces and their. Body changed I love. It. There's a physical, transformation absolutely with some folks there really is a stress in marriage stress and. Everything else is. So strong so very cool so when did you guys originally? Go through the class yourself we went through in August. Of, two thousand. And. Ten oh while back. Okay so. Eight years ago very cool so, just at your local church you? Decide. To, launch a. Clash absolutely yes, we, can, we put a yeah What's the church? So. Murfreesboro, Tennessee actually. We go to, church Your progress Church rule he'll church of Christ right across the street from easel Harding and where. It is we have another class coming up. August fourteenth we're looking. For participants if you're in the bell road area right there by easel Harding school route across the street is rule hill. Church crash. No, it well that's stomping grounds, very cool and you guys are going to start a. Clash there August the fourteen plug Yeah you go good for you thank you for doing this so what is. The most dramatic thing that, happened, while you were doing the clash dramatic? We had one, individual who did not come with, her husband and she and her husband were starting their. Own business and she had quit, her job to be one hundred percent in with him to do the business and. They didn't have any income so there are. Like a couple of. Months where there was no money coming in and so I was asking well how are you getting by must tomorrow and. They say. When, they have to pay bills, they would get another credit card to pay those all. She's in the class Whoa. So would you say this, was, weak wine and so as you know? We're talking through, this and she was like I, don't know what to do what should I do and. I said you know I'm not here really. To tell you what, to do you're going to have to figure it out but I would get another job I would get a partner. So that you could have some income how many into the house and so. You know she thought about in thought about it Indian probably. Around. Week four or five said that I really? Appreciate your advice I am, looking at getting a job because I can't, keep living like this now it's, going to go deeper? And deeper in, a mess Yeah yeah so so then at week nine our data I have some leads that. I'm going to be getting a job so that we can pay off some. This debt because I can't I can't keep fulltime work yes Wow, it's just amazing you get a front row seat to watch people transform their lives yes you do you do I mean you do. All of the work for. Us Oh on the video the video Running, up and down. The state It's so easy Well. Thank you guys we appreciate your, coordinating a class and thanks. For dropping by appreciate you. Leading another one August fourteenth people roll hill church Christ right here in. Antioch. In Nashville, so all right it's near bell road and murphysboro road intersection is where that is for those, that don't, know but. Very very cool and you can get in. Touch with them they'll get you signed up, for the clash probably posted. On our website The clash finders that kind of thing and you can, join these, guys that. Are going to be great they already are. Great coordinators hi thanks for dropping by it's, good to talk to you Sure God blessed open phones at triple eight eight to. Five five two two five. Let's, go to Ryan in. Atlanta hey Ryan how are you Dave how are you better. Than, I. Deserve what's up I'm trying to decide if I feel my, truck. And get a cheaper how much do on it I don't know anything on what's it worth about ten okay what's.

Murfreesboro Dave Ramsey Nashville Mike Financial peace university coordinator Ryan easel Harding school Ford Harding Tennessee partner Atlanta Antioch one hundred percent Thirty three years Eight years one year
"financial peace university" Discussed on 106.1 FM WTKK

106.1 FM WTKK

01:35 min | 2 years ago

"financial peace university" Discussed on 106.1 FM WTKK

"Over five. Million people have gone the financial, peace university The ones that listened to the stuff we said with the. Most of them changed their family trees. Changed their lives they've transformed not conformed to this world don't be like everybody else but be transformed how by the renewing of your mind This week we're celebrating a very important part of this program we have declared this. Week to be financial peace university coordinator. Week I signed a resolution to that effect this morning and so it is now All these folks are volunteers are lead the financial. Peace university groups and they are precious people they volunteer their time. But it's a little bit selfish when you're doing, it obviously I've done it Because you have, a front row seat to watch people change their lives it's so inspiring you do not have to be. A financial expert to be. Financial peace university coordinator they're, just regular folks at love people. And you don't know how to put chairs in a circle and, have a discussion after the. Video plays it's really, not rocket science you know what I'm saying but it. Is, people that care And you have to have a sense of humor and you have to have. A good time. With it and so forth right so Heather and Brenton more are on the line. They are coordinators of hours if I, pick up the right line there would anyway there they are they're coordinators of hours and it looks like. You guys have just lead. Your first financial peace university? Group thank you for doing that Absolutely David our pleasure so and you guys paid off ninety thousand dollars worth of..

coordinator David Heather Brenton ninety thousand dollars
"financial peace university" Discussed on KSRO

KSRO

01:51 min | 2 years ago

"financial peace university" Discussed on KSRO

"Over, five, million, people, have, gone financial peace, university The, ones that listened to live the stuff we said which is most of them change their family trees Change their lives they've transformed be not conformed. To this world don't be like everybody else but. Be transformed by the renewing of your mind this week we're celebrating. A very important part of this program we have, declared this week to be financial. Peace university coordinator week I signed a resolution to that, effect this morning and so it is now law All these folks are, volunteers are lead the financial peace. University groups and they are precious people they volunteer their time but it's a little bit selfish. When you're doing it obviously. I've done it because you, have a front row seat to watch people change. Their lives it's so inspiring you do not. Have to be a financial, expert to be a financial patient versity coordinator just regular folks. That love people you don't know how to put. Shares a circle and have a discussion after the video plays it's. Really not rocket science you know what I'm saying, but it is people that care And you have to have a sense of humor and you have to have a. Good time with. It and so forth right so Heather and Brenton more are on the line they are, coordinators of ours if I'm pick. Up the right line would end whether they are they're coordinators of hours and it looks like. You guys have just lead. Your first financial peace university? Group thank you for doing that Absolutely Dave it's our pleasure so and you guys paid off ninety thousand dollars worth of. Debt yourself is that right We did go Say it. Again I'm sorry We took afternoon. Two thousand fifteen and marriage so, for the next natural step.

coordinator Peace university university The Heather Brenton ninety thousand dollars
"financial peace university" Discussed on KSRO

KSRO

04:27 min | 2 years ago

"financial peace university" Discussed on KSRO

"Which is great by there's one struggle that we have she has these i'm on board with you know don't have credit cards but she has these store cards these they're not visas charts but their store carts and and you know she doesn't want to get rid of them because they sent her coupons if she if she uses them or they where she gets points and and you know i dutifully paid him down zero every month that that's not a problem but i hate them they complicate my life and it's just more things to keep track but i i don't know how to how explain to her in a sort of a loving way that you know we need to get rid of him i don't want just cut them up and and just sort of no no that would be a bad marriage yeah i want i want her to eat agreement i don't know how to explain it to her okay so let's kinda get down under this first second what the problem is is that she trusted you till it got to her cards proxy ended at the department store cards so what this is saying is you all are evolving through this process which is kind of a normal and the next step in the process is not proxy anymore it's instead of her trusting you for her to get gather this information you've been gathering the goal is not to for her to get rid of the cards the goal is for her to learn some of the things that you have learned that you've got excited about right and win she learns those things whether it's podcasts whether it's just the total money makeover book or something else then she will be as excited as you are and it won't be by proxy and so this has gone as far as it's going to go with proxy you'll put this thing into this whole movement into overdrive when she actually gets the why why is not because i trust my husband it's great that she does trust you that's very cool but that's not why anymore the why now needs to be that she grasped why you're doing this have you guys been through financial peace university no would she go if i gave it to you yeah i think so i'll give it yeah she would she would help pay for the two you need to go because if the two of you go to class and go just do me a favor just let go this class with me it's only nine times and then we'll talk about this other stuff because she's going to go the light bulbs going gonna come on over her head she's not unwilling she's not unintelligent she's not a princess she just said oh honey whatever you want do until you wanted to mess with her stuff and then whatever you wanted to do didn't cut it now she's now she's wanting to be a thinking person and engage in the process so she's an easy one she's an easy person to convert because she's not adversarial right now if you push her and make my name into a cuss word by just yakking at her all the time about this stuff you'll you'll make it out of a serial don't do that i'm afraid of yeah instead you guys just go to the class and i'll pay for it and just say as little as you can possibly say but enough to get her to go with you okay maybe proxy will extend enough to get her to go to classroom proxy that'd be fine because then she's going to get a hold of it and she's going to go oh now see what you're saying brian artless do this game on baby that's what's going to happen to this lady because that's who this lady is isn't it yeah yeah cool very cool hang on i'll have zac pick up and we'll get you guys into a class brian and sarah our weather's in los angeles i see on my screen you guys are debt free congratulations cool how much of you to paid off two hundred and forty five thousand dollars love it how long did that take six and a half years wow what kind of debt was that i'll student loans sally freaking may got bought out and became the same thing the divergent verb form of sallie mae what was your household eight of him or her what was your household income during this time well it fluctuated a lot during the.

forty five thousand dollars
"financial peace university" Discussed on WWL

WWL

02:03 min | 2 years ago

"financial peace university" Discussed on WWL

"The financial peace university class and my entire extended family it's just a bunch of dave ramsey fan so i just kinda grew up knowing about it you know what i mean internet a chance i didn't have a chance stuck so you you come out of school with one hundred thousand bucks in student loan debt you're terrified oh i was so panicked it was i was twenty six years old when i first came out and it was looking up at that amount of money and just knowing i had to get out from underneath it all by myself and there wasn't really anything that i could pay off you know i couldn't just sit like i could sell my car but it only get like ten grand for it you know it wasn't going to move the needle at all and i was absolutely panicked that something would happen i've become disabled these my job lose my license something like that and there's no way to pay that off with without being able to do what i do basically so this is impressive well done i mean basically fifty five thousand a year for two years living on between one hundred nine hundred fifty total company in so that means you lived on nothing it felt like nothing i kept i kept living like a college student which i which i feel is rare for people who are providers and healthcare but very rare i'm looking at a unicorn wow good for you good for you very well done so if someone is in that situation listening they've got one hundred thousand dollars in student loan debt or making one hundred one hundred and fifty you did it in two years tell them what to do what should they do how do you do that i think the biggest thing is just keep living like a college student you know it's like i did not live in nice apartments i it's a nice car but it's not an expensive car that i drive in you know i didn't really buy a whole bunch of close you just gotta keep living cheaply in just just do it while you're still us to that lifestyle because it's going to be that much harder if you try and go by tesla and a house and all that kind of stuff and then try and cut back down after the facts and just keep living like a college student when you first get out it's the biggest thing so you're not even thirty now i'm twenty nine wow well done rockstar millennial right here by looking at her this is good excellent good job good job so.

tesla dave ramsey two years one hundred thousand dollars twenty six years
"financial peace university" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:30 min | 2 years ago

"financial peace university" Discussed on The Dave Ramsey Show

"In the lobby of ramsey solutions mike and jennifer are whether fake guys are good are you better than i deserve well where are you guys from saint charles saint louis area very cool welcome good to have you and how much dad of youtube paid off we have paid off one hundred twenty thousand dollars thirty six months way to go and range of income during that three years it was at began seventy thousand one hundred ten thousand wow nice jump what do you guys do for a living i work in just six for manufacturing company oh yeah i'm a mom i'm a grad student i coached college cheerleading and i do marketing for real estate friend wow look at you very cool what are you studying in grad work masters of arts and teaching so just to be a better math teacher continue to move up that very good what kind of debt was the one hundred twenty thousand student loans all of sallie mae got her a bic shin paper kick her out kick the woman to the curve well done you guys i love it that is fun so how long have you been married five and a half years okay so what happened two and a half years in at three year ago mark something happened and you guys went game on yes well he did it took me a little bit so six months before that three year mark we were in the middle of financial peace university it was the night where we had to sit down and list dot oliver debts and get them on paper confront that and so we were sitting there and a lot of people they have stuff they can sell or maybe it's a car or house and they can downsize or something and we were staring at this knowing there's nothing we can do pay it off and i know just from our family histories it's a really important to mike that we have a home and we were in an apartment at the time and i remember he sat down we were looking at this and he looked at me and he said we're we're not going to be able to buy home we're not gonna have a home for the next ten years and it killed me because to be quite honest he was a fourth of that student loan and then everything else was me and so i felt very guilty and i knew i had to make it right and so i told him i said there's got to be a better way there's gotta be a way to get us a house and not break ourselves and so we looked at each other and we're like okay game plan when we're going to do so we moved out of the apartment we moved in with my parents figure out for him it was kind of fun for me but we did six months there we were going to do a year to save up and then after six months this on over here found a double wide for sale so we used what money we had saved bought the double wide moved in and then because that was paid for we didn't have you know wrench or anything was that we chucked everything everything everything that you want to spend on vacations and going out with friends and all of that and then while we were doing that we ended up cash flowing birth so we had our daughter and then we also bought a van with cash in that whole process so yeah it was it was a lot for sure so how did you end up originally in financial peace university the started this story just offered at your church or what law classes that was pushed especially for young people are now to get the foundations teach that class and luckily we signed up for it and it was a game changer for us for sure would you pay for the double one fifteen fifteen k in cash and put three thousand it just making it not look like an old smelly thank you double okay so either one of you live in a double wide prior to that never at any time in your life now camping out for y'all yes this is like a step in that he's like wow if so your family and people are looking at you guys.

mike jennifer six months three year one hundred twenty thousand do one fifteen fifteen k thirty six months three years ten years
"financial peace university" Discussed on NewsRadio1620

NewsRadio1620

02:20 min | 2 years ago

"financial peace university" Discussed on NewsRadio1620

"And you gotta work together you both on the same team you just gotta stay with it what was your biggest budget fight when you start doing the i think she wants the newer close and the you know sometimes we just said you know let's wait till later just use what we got you know we're not we're not going with that close then things but she likes southbound not very often this kind of what we got along pretty good we wanted to work together sometimes you have a big fight and sometimes you just wind a little good job you guys well done i'm proud of you know your parents are well so you brought hannah grace with you again good i just want to thank you all for the financial peace university is that class changed our lives we not only did it show us how to get debt but we we got our life insurance we didn't have any i had very little work we re bro frodo wheels we got that straight and we started contributing to like hsa just other stuff besides just getting out of debt that's that's that financial peace university is awesome thank you we actually we coordinate class did three at our church and then wanted a sister church so we've done it four times and thank you very much i appreciate that gals that keeps us just it'll be a big deal because you when you put the whole package together like you've done with the proper insurance and life insurance and life insurance the wheels all that kind of stuff there's a different kind of peace than just getting out of that gives you and because you're just being diligent all the way through to make sure you got your family cared for and we show you how to do ever better that thank you for bringing that up i'm proud of you guys free shave very well done mark and jennifer and hannah grace from georgia they paid off eighty nine thousand dollars they sold to their cars thirty two months making eighty to one fifteen.

hannah grace georgia mark jennifer eighty nine thousand dollars thirty two months
"financial peace university" Discussed on TalkRadio 1370AM

TalkRadio 1370AM

02:46 min | 2 years ago

"financial peace university" Discussed on TalkRadio 1370AM

"Is on the we finished financial peace university in november and we got into the snow piling stem and are working on that but we've been saving up money partly because have a client of where we are both sole proprietors and they have a client that was delayed and paying off great client but until we built up some more money and waited until we had our taxes filled out to decide whether to continue snowballing or go ahead and and pay the money that we for us the opportunity we have to contribute to our ira's set byron in particular we could pay five thousand dollars into it before next week or so and and avoid seven hundred and fifty dollars at two thousand seventeen rates and or we could m the same we could make a contribution to our loss ira's and get that interest free all of loans are relatively low interest and and they'll be paid off in about three years if we just pay it on time and tell him my age i'm sixty fastest fastest path to building wealth is to get out of that you learned that in the class yeah i believe that with with young people you were fast age doesn't enter into the fastest path whether you're sixty eight or whether you're eight mathematically the fastest path to building wealth is to get out of that what have you got dead on this taking you three years to clear we've got a mortgage home equity loan car loan and and a a loan i cosigned for my daughter in soninlaw's fan and how much on your car twenty twenty thousand twenty thousand six hundred and what's your household income about eighty eight thousand a month okay right now we are having a shouldn't thank you retirement from my on my mainstay client had for eleven years now the last week oh fun okay well the the thing is the shortest path to wealth is to getting out of debt regardless of your age mathematically.

byron soninlaw three years five thousand dollars fifty dollars eleven years
"financial peace university" Discussed on WWL

WWL

02:15 min | 2 years ago

"financial peace university" Discussed on WWL

"Plan financial peace university is that plan there are thousands of classes starting all around the country ride are fdny commissioner dan nygren who called is a great tragedy that the current on the east river weren't the only thing that made the rescue and recovery efforts so challenging when the police and fire department divers went in were the most difficult parts of the operation were told is the five people besides the pilot ruled tightly harnessed so these harnesses had to be cut removed in order to get these folks off of this helicopter which was upside down at the time and proclivity submerged in the aftermath of pressure for some sort of federal government action after the parkland florida high school massacre the trump administration is off with a plan to lessen the threat of school shootings cbs news correspondent pam coulter report unmarked after the park lane florida's school shooting the white house his unveiled president trump's plan to increase school safety it includes funds to harden schools and train teachers to carry guns but there's no endorsement of universal background checks education secretary betsy devos will chair a commission that will review what states are doing on the issue that includes considering whether states should raise the minimum age for purchasing assaultstyle weapons set also in washington the white house is confident that the donald trump kim jonghoon meeting will happen about nuclear weapons on the korean peninsula's potential meeting has been agreed to there are no additional conditions being stipulated but they cannot engage in missile testing they can are engaged in nuclear testing and they can't publicly object to the us south korea a planned military exercise motors deputy white house spokesman roger sean abc's this week cia director mark pompeii on switzerland multi this conversation takes place the pressure will continue to about a north korea pompilio there on cbs's face the nation on the to watch latest northeast forecast now getting tiresome for a region that has been built at twice the last couple of weeks thousands are still without power from one or the other of those nor'easter's and now here comes another meteorologist patrick burke with the national weather service heavier no amount hurt we were expecting permit are connecticut up through the boston area and it may which could see as much as a foot and a half by wednesday boston maybe a ford smaller amounts for new york and philadelphia and in parts of west virginia there are storm warnings out on.

west virginia philadelphia connecticut north korea director cia roger sean abc white house kim jonghoon donald trump secretary president pam coulter parkland florida high school commissioner fdny dan nygren new york boston patrick burke
"financial peace university" Discussed on NewsRadio1620

NewsRadio1620

02:11 min | 2 years ago

"financial peace university" Discussed on NewsRadio1620

"You will you both went to financial peace university then essar laura what happened then financial peace university elitist we got gazelle intense he he was all about it he read every book i think you you wrote while he just he's he jumped on gordon i followed along you know we started the budget cuts envelopes are you glad you did this yes yes at the time at first i wasn't it was kinda you want me to spend this on groceries a month mike those are big budget fight was was groceries down hours to death loving her that on a podcast on the way down here and we kind of left the budig now you said five hundred dollars was ridiculous will she was one four hundred nice at that was ridiculous oh your work let's take a step foot the grocery store in the last ten years the first month we said it at three hundred who last week we were scrounging the cabinet clara going out of there we could make last week's worth of groceries that's a good way to have your wife not like this plan this ended up a little bit ease up a little bit we'll good way to go guys so what are you tell people the key to getting out of debt is you've heard masters before yes sir i think i hear a lot of people think number one answers budget which i would agree with that that's highly important but i think its commitment i've heard you say so many times you have to have that i've had a moment in you got to do that and that you have to be committed which are committed that there's fall appointment out and everything you'll be debtfree surely dutch shirley dutch way to go you guys and you brought the kid owes with you as well yes sir and what are their names and ages club he sticks and ps four have they been practicing a debt free screamed every day oh my gosh they're ready to go all right very cool we've got a copy of course hogan's book for you retire inspired we want that to be the next chapter in your story that you're millionaires and outrageously generous along the way land and lara on land on and laura core been and abby from louisville kentucky forty thousand dollars paid off in six months megan ninety a year.

gordon mike clara hogan kentucky laura abby louisville megan forty thousand dollars five hundred dollars six months ten years
"financial peace university" Discussed on WLAC

WLAC

02:03 min | 3 years ago

"financial peace university" Discussed on WLAC

"All the time side heard your name i didn't know much about you as i started looking into that and i thought we've we've gotta do this so cool okay so josh she comes in and goes i've been looking at pink and turquoise budget forms and there's some ghanem dave ramsey that must have had something to do with it but i promise you out in may what did you say first i was a little hesitant but i do hey owen money to anybody we did the financial peace university about a year ago uh definitely got his hill okay got us on track to keep a thriller shadow gas on the fire definitely did and then we both decided you know all uh all or nothing we took off with that so how's it feel now awesome was it worth it oh my ass that are worth it i think you know like every day you know going to work adlass near podcast and i would think okay where this close that had a little i'm sticking out in my car my dashed that would just add crossed off each payment each month them back were that much closer are that much closer i'm i'm working for that and working for that and you know when i first started it was just to get out of debt and then actually this year were now expect the infests kinda like a whole new ball game perhaps a change of any now now this year relache ones that right yes never again i love it oh congratulations you to leiria very well done we got a copy of chris hogan book for you retire inspired uh that's the next chapter of your story what should be millionaires now and outrageously generous as you go along siro have fun and have fun with money and always be giving it as you go and we're gonna show you how to take those next steps too so we're on we got to work with you through this part very well done proud of you guys thank you did you have some day tractors or cheerleaders along the way mostly cheerleaders i would say we really didn't have anyone confidence down we actually have a lot of friends that have gone through that program now on any and jennifer back home have right in there like on their way to and so we're actually here with our financial advisor r e l p from you and.

josh dave ramsey chris hogan jennifer advisor