20 Burst results for "Financial Peace University"
Deep Dive on Dave Ramsey's Investment Advice! (Financial Advisors React)
"Yeah Brian. So this what is going to be kind of interesting? We sort of asked the audience out there. Hey, you know we've talked about Dave's investment advice in the past. Would you be interested if we did a bit of a deeper dive? What are some things that are good where some things that maybe aren't so good what's our take on it and there? Was a resounding yes. From the audits that they wanted to hear it. So here we are to share our thoughts I feel like we need to lay out some ground rules though I mean we do live in Franklin Tennessee and we're kind of in the backyard of the big dog himself Dave Ramsey, and here's the thing you can't live in our parts and not have. Neighbors, people you go to church with you know there's a lot of you know of Ramsey solutions that are all in the community, and by the way if you were here thinking you see a show were Ramsey solutions are Dave Ramsey is trashed. You're in the wrong place. We have tremendous respect for Dave and I think if you even as we poke holes in some things that I think Dave is going to astray on and you can improve upon there is no doubt that Dave has done more good to the financial world than anything else if we just wanted to kind of look at some of this quick accomplishments, he has over fourteen million listeners to his weekly radio show he sold over eleven million bucks. He has this says, this is from the website over eight hundred team members I know that just because some friends whether it's like nine hundred and fifty employees think about like how many lives is impact in this? Is just absolutely remarkable more than five million folks have gone through financial peace. University. So if you do this exercise awhile backbone I can't remember you saw speaker somebody in you named out some big brands you'd come up with one word to describe them, and so if you throw out Ramsey solutions, what's the one word that that comes up in my mind? It's debt. Think Dave there is nobody that gets you out of debt better than Dave Ramsey. So what I'm trying to figure out those we know Dave, does so much good with getting people out of debt he talks about the eighty percent that's behavior that yet twenty percent that's in your head. What does that mean towards investments because is, is there space to know that there may be some additional things that you ought to consider? Yeah. So one of the things that I think is amazing I will have a family members or relatives who I tell them all the time about, hey, here are the things that you want to do to like get a credit card debt or pay this off in no matter what. I say how communicate somehow it doesn't doesn't sit with them but in all of the sudden church offers like financial peace university, go through it and they come tell me how you will believe what I just learn their own far for the concept. I've been telling you this for like months and years but what ends up happening is they kind of get through that interational and they do say okay now I'm ready to. Start Building Wealth, and this is what Dave said about investing, and that's where I always have to kind of say. Oh, well, maybe that's not exactly perfect. So let's I. Want to go a little deeper because Dave does talk about the eighty percent. This behavior twenty percents head space will there's also I think it goes beyond that is that we know that the lion's share of Americans struggle with basic things what I consider. Commonsense of they can't get out of debt. They don't have the disciplined understand it, and we've often said there is and you just mentioned it. There will come a graduation or a jump off point where you need to go beyond common. That's right. So I, think that's where we fit in. We are not the eighty percent or the portion of the public that struggles with basic behavioral stuff we know that our audience are maximized. Money Masters we know that if this doesn't hit you, it's just you're not there yet we are focusing on the twenty percent that wants to make sure every dollar in your army of dollars has a purpose and knows what they're doing and you WANNA maximize it. So that's what we're going to focus on, and that's what we're going to look at it through that lens to see how does Dave's investment strategies? How do they fit in what we know is financial advisers about wealth creation. So if we're GONNA talk about areas where possible he misses it a pasta hits at one of the questions you might be asking what is Dave Ramsey's investment advice so we actually went. Out to Ramsey solutions and I think this is on Chris Hogan's website, and he basically lays out how to diversify your portfolio. If you're structuring investment portfolio, Dave likes using mutual funds, he likes using active mutual funds and he thinks that an investment strategy should look something like this twenty, five percent and international twenty, five percent growth and income twenty five percent aggressive growth in twenty-five percent and growth that certainly sounds easy. Doesn't sound like that's a hard thing to put together. Well, it sounds very broad and it sounds very growth oriented but I do like I think this is something that got fine tuned Chris came in as part of Ramsey solutions is he goes a step further. Tells you what are those broad descriptions like aggressive growth growth and income? Is there a large cap mid category international? So what's what's the deeper dive on that? So if you look at the details growth and income, these are the big companies is the ones that have a market cap of ten billion. Well, if you were to ask us the money got show rebound wealth what that is that's really large-cap. Holdings large cap US companies well, then they said there's this growth asset class naturally tends to be companies that are somewhere between two billion to ten billion dollars. Well, we would just call those mid sized or mid cap companies, and then there's this aggressive growth high risk high returns. These are companies that are smaller they're less than two billion. So we just call that small-cap now, all three of these are us. US large cap us mid cap small cap, and then lastly there's this international bucket companies that are outside of the United
My Husband Wants to Separate Our Bank Accounts
"TIFFANY'S IN DALLAS. Hi tiffany. Welcome to the Dave Ramsey show. Hi? How are you? Right? How can we help? I was calling because I I recently got married. Well, not recently, it'll be a year November and my husband and I. We were why thought we were on board to? follow that the plan I actually went year class a couple of years ago when I was telling my husband about it in. SHANECO excited initially but I guess maybe after a few months of the A we we had joint bank accounts and then he decided he wanted to have separate bank account and in that time and we have joint bank accounts we did pay off. credit card that we had differently and student loans, and so now the haven't had that conversation one or it was just kind of like. I'm not sure kind of like an abrupt decision. He had the conversation. He just went and did it. Why haven't you said? That's not okay. Well I I did and He just kind of implied that he didn't. WanNa have separate or he just said he didn't want to have separate account. He wanted to have separate accounts one. Well, he said he didn't like the way I was spending money, and when I brought attention that you know we pay off student loans paid off credit cards. For the two of you working together on a budget now you weren't. I'm not. We did a couple of times. You were spending money and hand like how you're spending money because you guys didn't have a plan where you're working together. Hey tiffany. This doesn't feel like a big deal, but I want you to sound every alarm. You have. This is a big deal. The number one cause of divorce in north, America days, money fights, and money problems. Jesus said your treasures where your heart is. He just took his treasure and took it away from you and set it over to the side and cut you out. Right. This is danger US relationship ground. This is stopped the presses. Get somebody that you trust in your life that can sit down with both of you, and you had this conversation like today Gore toward pastor marriage counselor, somebody to walk you guys through this, and you combine your lives for richer for poorer in sickness and in health unto the all my worldly goods I pledge. This the old-fashioned marriage vows that no one says anymore. Because it caught the combining of your lives in the combining of your assets in the combining of your spending decisions causes the combining of your values and forces detailed in-depth communication. And there's a lot of thrashing around going on at your house where he just jerk stuff away, and then you stand there looking like a deer in the headlights going what happened 'cause you were over here overspending or you're spending money and he couldn't control you or some kind of crap is going on here. I, don't know what it is, but I smell stink Something's not right. Somebody's hearts settled a year end with her cheers or his or both. But this is a giant red neon flashing light saying Danger Danger, and you've got address it soon in dress it with a good heart. If you come in and say, Hey, these two knuckleheads on the radio said that you survived out a divorce yet, don't do that. Let's see what we're saying. If you don't fix this. When you're thirty is you know ten years from now, this will have gotten much worse. It's not going to naturally get better. Systems left to themselves deteriorate unless you put pressure on them to Polish and to become an marriage is a system in that regard. So. We've I've seen this for Thirty Years Coaching couples. It's a very, very dangerous sign. So yeah, you guys need to get on the same page. He is either controlling or ultimately disgusted with you or both over the handling money, and you guys need to get on the same page. So we'll help you guys sit down with a good marriage counselor, get some coaching before this gets worse. It's not a lightweight thing and then I'll give you Ramsey plush and you guys get in there and go through. go through Financial Peace University, get on the everydollar budget together. And Combine your finances income into agreement every month before the month begins as to where are spending is going to occur and you both have a vote. He doesn't have the only vote and neither do you and neither do you. This is called marriage. We're going to work together. We're GONNA compromise for the good of the couple. And die you've you surrender yourself, he surrenders himself himself for the good of the pair. And so what I do in our looking at this. Okay. What's good for the two of us? Not, what's not what do I want and double out? Don't double up my fish and have A. Fit like a four year old kid on the cereal. It happened yesterday in my house. I said Hey. Let's let's. Start putting some money savings here instead of. Put money over here. My Wife said, I, don't feel comfortable with that. What if we split the difference and I, trust her and she trust me and she was wise and I wasn't being unwise I just had an idea in my head together a good decision. An are on the same page moving forward. It's out works.
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
"financial peace university" Discussed on AM 1590 WCGO
"Hey, Andrew, welcome to the Dave Ramsey show. Mr ramsey. Thank you for taking my call. I just wanted to say real quick. Thank you for all your financial peace university. You my wife and family and myself out of dark place. Wow. Well done, sir. How can I help today? We've kind of. We got it to our our family and. Wearing a medical issue. There. Sunday has a congenital heart. So we run into some medical issues. Slots, we weren't expecting obviously. And. I wouldn't say we're h paycheck. But we're pretty close to it with all these. My wife's student loans are gets point where they're getting. They're getting a little out of control in terms of interest rates every piling up on that. So. When started a few years ago until now using the. Steph sworn in t-, we've gotten ourselves paid off twenty eight thousand. And we still have another forty six to go. Could you my wife's student loan? So I'm just trying to figure out what we can do to get ourselves out of this. This whole. What's your household income? We have a single intone gross sixty three net forty eight. Okay. All right. What do you do? IT manager. Good goodness. Okay. Good. And. You did you adopt a child that had a defect or have a child. I had a defector what we her son has. Called transition. Yeah. But how how old is gold? He's he's nine months. Okay. Okay. She had a baby that had a heart issue. Okay. I got you. I'm catching up so. That is a. You've had an open heart surgery already. Yeah. Wow. Okay. So you've had. If that's me. He's nine months old. If that's me. I'm just now starting to breathe. I I got a buddy of mine who's got a baby in us in Nikki right now, and we went up and sat with him the other night, and it just takes your breath away, all those tubes and things and how it's just amazing what the nurses and doctors are able to do. But it just make sure it makes your stomach hurt. Just standing there feeling for this little baby. And if it's your own at just it makes it ten X. And so. Unless you're a psychopath. You've not been able to keep your eye on the ball on anything for nine months except just walking with your baby. Right. It's all you've done. And so I wouldn't expect you to make financial traction or even good financial decisions during this nine months. So let let's just stipulate or put on the table that this is a highly emotional situation because you're human, and I'm human, and it's not even my baby. And I'm hurting with you right now. So let's just put that on the table. Now. Then let's step to the side of that first second and look at the math because that's what you called me about and say are what is the heart issue actually going to cost you going forward? Your monthly medication that insurance isn't covering or are you expecting a five hundred dollars a month and doctor bills that insurance isn't gonna cover what going forward, mathematically, are you anticipated? I know you got a lot of emotion. And I know we're going to have a lot of prayer. And I got all of that. I'm talking about the math of your sixty three thousand dollar income. That there there is a doctor bills. We. Quite a bit almost monthly cardiologists trip traffic surgeon checkups EKG. Echocardiogram? I mean, there's there's a lot. Yup. How much does insurance not cover on all that? I'd say our last Bill we just got for last month right around two thousand dollars that insurance did not cover correct? Okay. And so you see a thousand dollars a month in ongoing doctor bills for at least probably another year, right? Right. Okay. All right. And hopefully, as he has your son heels and moves on that's not going to be until he's eighteen we're going to see progress, and hopefully that will begin to go away over time that would be reasonable to expect wouldn't it? Great. All right. So here's what I want you to I want you to do your budget and not get further into debt, but pay the monthly bills pay minimum payments on the student loans. If you can't pay minimum payments on the student loans. Call them up and put them in hardship deferral for twelve months, and let's get twelve months the other side of this baby situation, then twelve months from today. I think you're world's financially gonna look different. Would you agree? Yes. The doctor bills are going to start to subside at some point. I don't know what that is. I'm not a doctor. But I mean, this is not going to go on for ten years. This is going to go on for ten or twenty months or something. Right. And so let's tread water. And concentrate on what's important, baby. Our son at health is the most important thing. Keep those doctors current pay their bills be on a budget and don't make any other financial progress. Don't be on your baby steps don't worry about it. Take care of your baby. Okay. And I mean, we've got all that money set aside or the doctor bills from where this year. Like, I said we've been using those baby steps so we've been pocketing money as things have gone. We we've maximum out of pocket for the last four years. They said that. With my medical issues. This year. You have how much in savings. Right now at say. Six thousand dollars Mark, which is what our out of pocket maximum. And after that the thousand dollars a month goes away. Yes. Okay. Then that changes the equation. And that's that's why. So here's here's here's what I want you to do. Let's just stop saying. Here's what I want you to run the mouth out because I'm the stories changing as we're talking because I'm getting more information. I want you to run the math out in such a way with you. And your wife that you say are priority number one is take care of baby and pay those bills period. Priority number two is food shelter clothing. Transportation and utilities. You have enough to do all of that. Apparently for the next twelve months. And then we begin to work on with any of the money. We can squeeze out of the budget and work on a budget. Now, we're beginning to work on paying extra on these are the bills and begin to get out of bed. Again, if you can do that past having taken care of your son, but emotionally you have to know that your family is.
"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..
"financial peace university" Discussed on The Dave Ramsey Show
"But I'm wondering if it's was to stop all payments temporarily and attack this modest one paying minimums each month. I'm always being put further behind. The minimums seem to be where I'm being buried. No, you're not either. If you're minimums aren't even covering the interest on something, then you could be getting behind, but your minimum payments not getting you further behind unless that's the case. If that's the case, you're slightly slipping back there, but the extra cash that you would have put on that it's being put on the smallest debts, the small steps going away faster and you're gonna catch up. You're not gonna have a problem at all. But I will say in what I'm reading between the lines on this Jonathan is you've probably need some more income and you probably need to cut your budget steeper. I don't think you're throwing enough at the smallest one yet and the only way you get more to throw it. The smallest one is cut the expenses down further and raise the income further. And when you do that, you're ready to rock and roll. I think that's what's going on because I think you're looking at little tiny little bits of math here instead of big chunks of math where you're throwing big chunks on this. Hey, thank you for your question, going back to our debt free call the guy with a bottle study with a bunch of guys and they went through financial peace university with bunch of guys. None. The guys ended up doing it, but he did it. Now that's really it's a good end of the story for him, but let me go ahead and tell you something out here. Financial peace university is not.
"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..
"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..
"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.
"financial peace university" Discussed on KSFO-AM
"University our program that is a one year membership Includes nine lessons with a local group When you go to a local church and you won't go through, the nine lessons to get you started that. Is the basis that's the starting point. The base camp for financial peace. University a coordinator causes that to happen a local coordinator volunteers Many of our. Coordinators there's about thirty thousand of, them active right now Have, led. Multiple clashes financial peace university they lead one two thousand six seventy, Tim some of them. Twenty met them that have led more than that and it's pretty incredible, and so we're honoring coordinators have signed. The proclamation earlier in, the week and this is officially coordinator appreciation week Nicole, when you could just make up crap Well it's my show so shut up All right, Charlie. Is, a, coordinator he's in Baltimore Maryland hey. Charlie, thanks for leaving. The clouds man We appreciate? You get to talk to you you too. Sir how. Long. Have you been coordinating. Financial peace university I've been coordinating now about six years software? Ten classes. Wow thank you very. Much so what, made. You, decide, to do to lead these classes I've. Always had an interest in personal finance and to? Help people but it wasn't until I heard. You on. The. Radio number of years. Ago that I started listening to you and learned about FDU You had a special one year for veterans and military, retirees Veterans Day and I took advantage of that special and I took the class and loved it so much in my church leadership Yeah, so that's. Something we need to bring to our people and. The pastor and the, other people? On the financial team agree then so about six years ago I left, my first class wow very cool it is truly a front row seat to watching people changed their lives isn't it Oh certainly it's it's it's. A blessing to see the, light come on in somebody's. Is, hope restored. Yeah so what are some of the best stories you've seen in the. Six years Probably the biggest story I had first night of class probably my. Third. Or fourth class I had a young lady young mom break down and cry During the first. Night we talked about savings and getting out of debt and She and her husband were so in.
"financial peace university" Discussed on KSRO
"For leading financial peace university six years how many people have, gone through your your group where over five hundred now wow. That's impactful you have, seen, it, all hadn't you I've seen a lot that's for sure? So how does having that? Many, people go. Through a class a group. Affect you Oh In so many. Ways I I'm able to tie in some of my experiences in the. Past I've been watching British credit union for thirty years and I've been CEO for eighteen, years and I've seen a whole lot of struggles with. Money So I'm, able to to pass on some of that but as, far as it's how how it's impacted me it's impacting. Me as a, leader of this credit union so that I. Could bring this information right. Here, to our. Staff and our frontlines folks who have now become. Experts with their own money so they can help to members of our credit union and. You, know you're much better credit union as a result I'm sure that's. Pretty cool very very cool so have you talked you've been doing this long you must've talked to other people in the band coordinator by now Absolutely we have about four others now, that has regular classes going on so very proud of. That all different, religions all different areas of of our community. And it's exciting it's exciting. To, just see. It grow in the impact this class has so. What got them to do it what made them passionate about it I guess because it changed their life individually and. He was all about giving back for them they just wanted to give back what they had learned so that they can teach and have an impact and, of course the teachers great blessing is that we learn learn every time we teach a class oh yeah I learned in. In our class and ended in March I earned about immigration? Process. And how difficulty citizenship and how much money it costs and how. They sometimes throwing away money. At attorneys that, don't do anything but I've found what, the solutions are. Still that the next time on facing that particular problem on the way. To go so you had someone in? The class trying to immigrate legally Yes With four children and she just in, tears kept, saying I can't send them. Back they're going to die if they go back to can't go. Back Yeah one of those future concessions now so what you did just boots on the, ground you, walk them through it and. Help them get were. They able to get it worked out well Well actually we. Had already worked it out I just. Learned from damn what. The, process, is light. And how to in the end how to be? Successful and it not caught the whole lot, of money what avenues and, what resources taking you that's a big deal okay very very cool so what's simple steps to like this particular class I hate to interrupt you, Mr. Dave Ramsey but in this particular class. We're learning about? WalMart, pickup and how not only save. You money because you're not walking around the store. And you can stay within your budget but you. Also lose weight in the process how about? That Very good very cool yeah there's, tons of tons of studies, Rachel Cruze talked about this other day one of her videos that every minute you're in the store you spend an average of what a two, dollars and forty seven cents or something I. Mean it's crazy So the impulse. Buying in grocery stores just destroys budgets. So you're right that's good that's good ground good information again, very cool stuff so what's one of the coolest stories you've had an out of. Those five, hundred people I didn't have, one that comes to mind right away. Is the family of three children a family of five living paycheck to paycheck really depressed when they got to the. Less than and they knew that they would love to dump that but. There's no way they could do and so they will get the storage until they got to the insurance. Lesson. Learned that they can buy term insurance they could cash, in their whole. Life policy..
"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..
"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.
"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.
"financial peace university" Discussed on WLAC
"Store cards they're not visas and mastercards but their store arts and and you know she doesn't want to get rid of them because they send your coupons if she if she uses them or they or she gets points and and you know i dutifully paid them down to zero every month that that's not a problem but i i hate them they complicate my life and it's just more things to keep product but i i don't know how to how to explain to her in a sort of a loving way that you know we need to get rid of him i don't want to just cut them up and and just sort of no no that would be bad yeah i want her to agreement i don't know how to explain it tour okay so let's kinda get down under this for a second what the real problem is is that she trusted utility 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 evolution that process is not proxy anymore it's instead of her trusting you for her to go to 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 when 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 and the 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 pay for it the two you need to go because if the two of you go to class and gone he just do me a favor just let go this classroom it's only nine times and then we'll talk about this other stuff 'cause she's going to go the light bulbs 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 to do until you wanted to mess with her stuff and then whatever you wanted to do in 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 at the cereal right now if you push her and make my name into a cuss word by just jackie at her all the time about this stuff you'll you'll make it adversary 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 to go with you hey maybe proxy will extend enough to get her to go to classroom proxy that would be fine because then she's going to get a hold of and she's going to go oh now z 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 how 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 how much of youtube 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 became navigate the same thing the divergent 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 time obviously so it was a while but we started about seventy two thousand and.
"financial peace university" Discussed on KOA 850 AM
"That you know we need to get rid of him i don't wanna just cut them up and just sort of no no no that would be bad or marriage yeah i wanna i want her to be in agreement i don't know how to explain it to her okay so let's kind of get down to this for a second what the real problem is is that she trusted utility 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 normal and the next step in the evolution the process is not proxy anymore it's instead of her trusting you for her to go gather the same information you've been gathering the goal is not the 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 when she learns those things whether it's podcast 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 and the 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 which she go if i gave it to you yeah i think so i'll give it she would she would pay for it the two you need to go because if the two of you go to class and go honey just do me a favor just go this class it's only nine times and then we'll talk about this other stuff 'cause she's gonna go the light bulbs going to 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 jack i had her all the time about this stuff you'll you'll make it adversary 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 would be fine because then she's gonna get a hold of it and she's going go oh now z 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 how 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 how much of youtube paid off forty five thousand dollars how long did that take six and a half years wow what kind of debt was that i'll student loan sally freaking may got bought out and became now but yeah same thing the divergent verb form of sallie mae so what was your household eight of them her what was your household income during this time well it fluctuated a lot during the time obviously so it was a while but we started about seventy two thousand and ended at about one hundred and fourteen excellent what y'all do for a living i'm a pediatric nurse that a children's hospital and in business development and i'm salesman okay so the nursing degree was a lot of this i guess until i started making my bonuses and then i knocked out the rest very good okay cool you guys well done so what happened six and a half years ago they put you on this.
"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.
"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.
"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.
"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.