7 Burst results for "Landry Columbus"

"landry columbus" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

08:19 min | 10 months ago

"landry columbus" Discussed on NewsRadio 1080 KRLD

"One sixty five very cool what you guys do for a living I am a teacher I'm a district manager in automotive repair very good cool or fun and what kind of debt was your two hundred and twenty seven holes and dollars we're pretty normal day we had a credit card that student loan a car payments but the biggest part of our data why is our house you bet we did look at it where way to go you guys wow you're young to have a paid for house is also very cool so how much of the two twenty seven was the mortgage well about seventy other was consumer debt that we knocked out first and then the rest of it was all the mortgage so hundred fifty hundred forty or so about that yeah on a cool what's a house worth they could sell for about two eighty right now sign in and it's yours by every hits all I love it how long you guys been married for thirteen years have you ever been debt free while you're married now now not even close yeah love it very good very good man this kind of feel great are you gonna be just here to have free you don't email owner house it's pretty exciting it's kind of surreal in as so surreal yeah that's fun you just feel light as a feather yeah it's something else man well I'm so proud for y'all excellent good job so tell me what happened four years ago the put you on this journey well we were struggling we're just living paycheck to paycheck and make pretty good money we're pretty happy with what we're making but then we're doing our taxes and things like that were worse all the money going yeah and it was getting to the point where on Tuesdays and Wednesdays leading up to my payday can you go Hey don't spend any money till Friday in it that obviously would arguments because Michael we have money coming in what what can I go to lunch at work this week because we don't any money Mike don't don't spend any money we're done and it was just a lot of tension in everything we were doing trying to figure it out ourselves and fix it just wasn't working it was a quicksand we're going backwards backwards backwards never great idea I had back then was not a great idea and we went to a good friend of ours wedding and it was one of those weddings for we know them but we don't really know anybody else or sit in it you know one of those assigned seats tables on one side of us is a couple and another side of us is a financial adviser and god bless the guy was sitting next to us he's like well I'm broke I could use a financial adviser and we're just kind of sitting in the middle one is a interesting conversation just keep your mouth shut and so they're talking about money in a couple different things in the brokers wife is said you know we've been doing the rate Dave Ramsey punished and really working for us and then later in the conversation they said some a mortgage at and that's when I decided to open my mouth because I thought I was smart guy at the table which I wasn't and I said you know what you're always gonna mortgage and then as wife looked at me and I'll never forget the way she looked and she is Dave Ramsey said you won't I've never even heard your name but they were right so that night when we got him from that wedding I the total money makeover and read that book so fast it's fast I've ever read a book in my life and then as Katie to read it and then we were off to the races at that point it was like clarity like wash over us like this is what we have to do on this model of our life yeah how fast did you knock off the seventy the consumer to about sixteen months that's what I thought yeah okay very cool and then record you broke records on the house yeah we we bought our house pretty smart we didn't have any PMI we're pretty good in it and then we got done with baby step three we're looking for five and six and we're just struggle along on four five and six enjoying it and then keep he's like Hey we got a stake his own tents we have to get this house done I've been a life where we're just going to talk about it we got it doing so in our behaviors were in place from knocking out the seven back or yeah so it's yeah sixteen eighteen months to do a muscle built up to be able to do it and so you just laying down and knocked out yeah so we were game on like a big time anything that would bring in extra money we're doing it that's impressive very well thank you so so really you did the house about two and a half years from the time you knocked out the other yeah that's very that's highly that's very fast the typical is about seven years just to tell you this I have excellent well done thank so outside of the two of you who were your biggest cheerleader well so our parents are really big cheerleaders we had a couple groups of friends that were really big cheerleaders and they don't necessarily understand exactly what we're doing but they were support have so you know that really helped in our journey we have some good friends who may not be on the plan but they understand if you're gonna hang out with us we're going to cook at home we're gonna play euchre like we're not gonna go out to a fancy dinner and I really I know you're gonna ask a question I really feel like that's like the support we're looking for through that they just really helped us stay on process absolutely that's very very cool good very good so what do you tell people the key menu you got her how old older I'm thirty six I'm thirty nine and you're paid for house we do I mean you're officially well yeah it's just so cool so cool we actually have a doormat in front of our paid off house that says weird people live here and nobody knows what it means to us that weird they ran the guy out that's perfect so what do you tell people the key to getting out of that is it's a couple different things number one things team work the number one call that I hear in your podcast that just breaks my heart is how do I get my spouse on board and it's just a blessing from god that Katie's been on board with this from the very beginning and I mean she has what is says about you yeah this is my accountability partner nam hers you know in this journey you wanna struggle and you want to buy stuff in sometimes I'm a guy and you know I might not even know it existed five minutes ago but now I have to have it yeah I'll definitely and that's for a wife comes in handy Hey we're not buying that take a cold shower wait a week if you still want it maybe we'll talk about put in the budget when the house is done but move on my work at my house done yeah and you know I think a little bit of vice versa there so that in the envelope system on a budget you know got to be on the budget the budget is the law and if we wrote it in the budget we wrote aggressive budgets we were going to hit that budget no matter what is that and like at the beginning of this item really nice gun collection I was a big gun collector and going into Dave Ramsey point of like all right well covered everything I'll be super aggressive just don't touch the guns yeah there's no contract and I mean we were three months from you know with the house and we're gonna be two hundred dollars under budget and I had a Glock it was the first gun I ever bought it's like very important to me but did not budget that month and not miss my tuner house of way more important may with three months left so got rid of it and you know we did that so we would hit our number if we wrote it was the law we had to do it now well the good news is your only payments so you can buy guns at like life is good what happened to me about a few way too many but or to go man congratulations you guys very cool okay what do you tell people the key to getting out of that is I definitely to have your south on board I will admit that I was a little hesitant at first I cried our first couple budget meetings with taking everything away from me and then I learned that I didn't really need all that stuff so yeah it's getting your south onboard being on the same page so but eventually by the third budget meeting you had a vote I did more later on you start taking stuff away from him I did this for about for play right so zero it's supposed to be right there well done you guys and the young man or what your your your sons are what agent names this is Matt he's eleven and this is Landry and he's eight okay so are were they involved they know what's going on yeah yeah very much so I know mom and dad to pay if change their family tree yeah yes that is never going back now I mean this is a generational change yeah well done all right counted down you guys Michael Katie madam Landry Columbus Ohio two hundred twenty seven thousand but often forty nine months.

district manager three months sixteen eighteen months two hundred dollars sixteen months thirteen years five minutes seven years four years
"landry columbus" Discussed on KTAR 92.3FM

KTAR 92.3FM

02:25 min | 10 months ago

"landry columbus" Discussed on KTAR 92.3FM

"Change the one with the five percent discount right off because of mission conditions including under lessons of it it's a it's an awesome let's go but now I have to have a yeah I'll definitely and that's for a wife comes in handy when Hey we're not buying that take a cold shower wait a week if you still want it maybe we'll talk about put in the budget when the house is done but move on Mike or get my house done yeah and you know I think a little bit of vice versa there so that in the envelope system in a budget you know got to be on the budget the budget is the law and if we wrote it in the budget we wrote aggressive budgets we were going to hit that budget no matter what it is in like at the beginning of this side of really nice gun collection I was a big gun collector and going to the Dave Ramsey point of like all right well covered everything I'll be super aggressive just don't touch the guns yeah there's no contract and I mean we were three months will be known with the house and we're gonna be two hundred dollars under budget and I had a Glock it was the first gun I ever bought it's like very important to me but they did not budget that month and not miss my tune rows of way more important me with three months left so got rid of it and you know we did that so we would hit our number if we wrote it was the law we had to do it well the good news is your only payments so you can buy guns and life is good what happened to me about a few too many but or to go man congratulations you guys very cool okay what do you tell people the key to getting out of that is I definitely have your spouse on board I will admit that I was a little hesitant at first I cried our first couple budget meetings with taking everything away from me and then I learned that I didn't really need all that stuff so yeah it's getting your south onboard being on the same page so but eventually by the third budget meeting you had a vote I did more later on you start taking stuff away from him I did this for about for play right so this is the way it's supposed to be right there well done you guys and the young man or what your your your sons are what agent names this is Matt he's eleven and this is Landry and he's eight okay so are were they involved they know what's going on yeah yeah very much so I know mom and dad a pay if change their family tree yeah yes that is never going back now I mean this is a generational change yeah well done our I counted down you guys Michael Katie madam Landry Columbus Ohio two hundred twenty seven thousand but often forty nine months.

three months two hundred dollars five percent
"landry columbus" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

09:06 min | 10 months ago

"landry columbus" Discussed on NewsRadio 1080 KRLD

"For two dollars America runs on Dunkin to speak in a very very good cool or fun and what kind of debt which are two hundred and twenty seven holes and dollars I'm we're pretty normal day we high credit card debt student loan a car payments but the biggest part of our data why is our house you bet your it is looking at where way to go you guys wow you're young to have a paid for house is also very cool so how much of the two twenty seven was the mortgage well about seventy of it was consumer debt that we knocked out first and then the rest of it was all the mortgage so hundred fifty hundred forty or so about that yeah alright cool what's a house worth they could sell for about two eighty right now saying and it's yours by every I love it how long you guys been married for thirteen years have you ever been debt free while you're married now now not even close yeah a lot of it very good very good man this kind of feel great are you gonna be just here to have free the only male owner holes it's pretty exciting it's kind of surreal in as so surreal yeah that's fun you just feel light as a feather yeah it's something else man once so proud for y'all excellent good job so tell me what happened four years ago that put you on this journey well we were struggling we're just living paycheck to paycheck and make pretty good money and we're pretty happy with what we're making but then we're doing our taxes and things like that were worse all the money going yeah and it was getting to the point where on Tuesdays and Wednesdays leading up to my payday can you would go Hey don't spend any money till Friday in that obviously good arguments because Michael we have money coming in what what can I go to lunch at work this week because we don't any money Mike don't don't spend any money we're done and it was just a lot of tension in everything we were doing trying to figure it out ourselves and fix it just wasn't working it was a quicksand we're going backwards backwards backwards never great idea I had back then was not a great idea and we went to a good friend of ours wedding and it was one of those weddings were we know them but we don't really know anybody else or sit in it you know one of those assigned seats tables on one side of us is a couple and another side of us is a financial adviser and god bless the guy was sitting next to us he's like well I'm broke I could use a financial adviser and we're just kind of sitting in the middle one is a interesting conversation just keep your mouth shut and so they're talking about money in a couple different things in the proconsul isis said you know we've been doing the rate Dave Ramsey plans for really working for us and then later in the conversation they said some a mortgage at and that's when I decided to open my mouth because I thought I was smart guy at the table which I wasn't and I said you know well you're always gonna mortgage and then as wife looked at me and I'll never forget the way she looked and she is Dave Ramsey said you won't I've never even heard your name your weapons they were right so that night when we got him from that wedding I the total money makeover and read that book so fast it's fast I've ever read a book in my life and then as Katie to read it and then we were off to the races at that point it was like clarity like wash over us like this is what we have to do on this model of our life yeah how fast did you knock off the seventy the consumer to about sixteen months that's what I thought yeah okay very cool and then record you broke records on the house yeah we we bought our house pretty smart we didn't have any PMI we're pretty good in it and then we got done with baby step three we're looking for five and six and we're just struggle along on four five and six enjoying it and then keep he's like Hey we got a stake his own tents we have to get this house done I've been a life where we're just going to talk about it we got it doing so in our behaviors were in place from knocking out the seven back or yeah so it's yeah sixteen eighteen months to do a muscle built up to be able to do it and so you just lean down and knocked it out yes we were game on like a big time anything that would bring in extra money we're doing it that's impressive very well thank you so so really you did the house about two and a half years from the time you knocked out the other yeah that's very that's highly that's very fast the typical is about seven years just to tell you this I have excellent well done I think what so outside of the two of you who were your biggest cheerleader well so our parents are really big cheerleaders we had a couple groups of friends that were really big cheerleaders and they don't necessarily understand exactly what we're doing but they were support have so you know that really helped in our journey we have some good friends who may not be on the plan but they understand if you're gonna hang out with us we're going to cook at home we're gonna play euchre like we're not gonna go out to a fancy dinner and I really I know you're gonna ask that question I really feel like that's like the support we're looking for through that they just really helped us stay on process absolutely that's very very cool good very good so what do you tell people the key menu you got her how old older I'm thirty six I'm thirty nine I never paid for house we do I mean you're officially with yeah it's just so cool so cool we actually have a doormat in front of our paid off house that says weird people live here and nobody knows what it means to us that we're day rooms a guy out that's perfect so what do you tell people the key to getting out of that is it's a couple different things the number one things team work the number one call that I hear on your podcast that just breaks my heart is how do I get my spouse on board and it's just a blessing from god that Katie's been on board with this from the very beginning and I mean choose wisely says about you yeah this is my accountability partner nam hers you know in this journey you wanna struggle and you want to buy stuff in sometimes I'm a guy and you know I might not even know it existed five minutes ago but now I have to have a yeah I'll definitely and that's for a wife comes in handy where Hey we're not buying that take a cold shower wait a week if you still want it maybe we'll talk about put in the budget when the house is done but move on Mike or get the house done yeah and you know I think a little bit of vice versa there so that in the envelope system in a budget you know got to be on the budget the budget is the law and if we wrote it in the budget we wrote aggressive budgets we were going to hit that budget no matter what is that and like at the beginning of this side of really nice gun collection I was big gun collector and going into Dave Ramsey point of like all right well covered everything I'll be super aggressive just don't touch the guns yeah there's no contract and I mean we are three months from you know with the house and we're gonna be two hundred dollars under budget and I had a Glock it was the first gun I ever bought it's like very important to me but hidden a budget that month and not miss my two rows of way more important me with three months left so got rid of it and you know we did that so we would hit our number if we wrote it was the law we had to do it now well the good news is your only payments so you can buy guns and life is good of is going to happen to me about a few way too many but or to go man congratulations you guys very cool okay what do you tell people the key to getting out of that is I definitely to have your spouse on board I will admit that I was a little hesitant at first I cried our first couple budget meetings with taking everything away from me and then I learned that I didn't really need all that stuff so yeah it's getting your south onboard being on the same page so but eventually by the third budget meeting you had a vote I did more later on you start taking stuff away from him I did this for about for play right this is the way it's supposed to be right there well done you guys and the young man or what your your your sons are what agent names this is Matt he's eleven and this is Landry and he's eight okay so are were they involved they know what's going on yeah yeah very much so I know mom and dad a pay if change their family tree yeah yes that is never going back now I mean this is a generational change yeah well done our I counted down you guys Michael Katie madam Landry Columbus Ohio two hundred twenty seven thousand but often forty nine months Megan one twenty five to one sixty five Kelowna downloads are a debt free scream a three to one what forty years old yeah this is the Dave Ramsey show break ins at spike every.

America Dunkin three months sixteen eighteen months two hundred dollars sixteen months thirteen years five minutes forty years seven years two dollars four years
"landry columbus" Discussed on KTAR 92.3FM

KTAR 92.3FM

07:29 min | 10 months ago

"landry columbus" Discussed on KTAR 92.3FM

"Every I love it how long you guys been married for thirteen years have you ever been debt free while you're married now no not even close yeah love it very good very good man this kind of feel great are you gonna be just here to have free you don't email owner house it's pretty exciting it's kind of surreal in that SO three all yeah that's fun you just feel light as a feather yeah it's something else man well I'm so proud for y'all excellent good job so tell me what happened four years ago that put you on this journey well we were struggling we're just living paycheck to paycheck and make pretty good money we're pretty happy with what we're making but then we're doing our taxes and things like that were worse all the money going yeah and it was getting to the point where on Tuesdays and Wednesdays leading up to my payday can you would go Hey don't spend any money till Friday and that obviously good arguments excellent for we have money coming in what what can I go to lunch at work this week because we don't any money Mike don't don't spend any money we're done and it was just a lot of tension in everything we were doing trying to figure it out ourselves and fix it just wasn't working it was a quicksand we're going backwards backwards backwards every great idea I had back then was not a great idea and we went to a good friend of ours wedding and it was one of those weddings for we know them but we don't really know anybody else or sit in it you know one of those assigned seats tables on one side of us is a couple and another side of us is a financial adviser and god bless the guy was sitting next to us he's like well I'm broke I could use a financial adviser and we're just kind of sitting in the middle one is a interesting conversation just keep your mouth shut and so they're talking about money in a couple different things in the brokers wife is said you know we've been doing the rate Dave Ramsey plan isn't really working for us and then later in the conversation they said some a mortgage debt and that's when I decided to open my mouth because I thought I was smart guy at the table which I wasn't I said you know what you're always gonna mortgage and then as wife looked at me and I'll never forget the way she looked and she is Dave Ramsey says you won't I've never even heard your name your weapons they were right so that night when we got him from that wedding I the total money makeover and read that book so fast it's fast I've ever read a book in my life and then as Katie to read it and then we were off to the races at that point it was like clarity like wash over us like this is what we have to do is I want to live our life yeah how fast did you knock off the seventy the consumer to about sixteen months that's what I thought yeah okay very cool and then record you broke records on the house yeah we we bought our house pretty smart we didn't have any PMI we're pretty good in it and then we got done with baby step three we're looking for five and six and we're just struggle along on four five and six enjoying it and then keep he's like Hey we got a stake his own tents we have to get this house done I've been a life where we're just going to talk about it we got it doing so in our behaviors were in place from knocking out the seven back well yeah so it's yeah sixteen eighteen months ago muscle built up to be able to do it and so you just leaned in and knocked it out yeah so we were game on like anytime anything that would bring in extra money we're doing it that's impressive very well thank you so so really you did the house about two and a half years from the time you knocked out the other yeah I mean that's very that's highly that's very fast the typical is about seven years just to tell you so excellent well done thank so outside of the two of you who were your biggest cheerleader well so our parents are really big cheerleaders we had a couple groups of friends that were really big cheerleaders and they don't necessarily understand exactly what we're doing but they were supportive so you know that really helped in our journey we have some good friends who may not be on the plan but they understand if you're gonna hang out with us we're going to cook at home we're gonna play euchre I can I can go out to a fancy dinner and I really I know you're gonna ask a question I really feel like that's like the support we're looking for through that they just really helped us stay on process absolutely that's very very cool good very good so what do you tell people the key menu you got her home alright I'm thirty six I'm thirty nine I never paid for house we do I mean you're officially with yeah so cool so cool we actually have a doormat in front of our paid off house that says weird people live here and nobody knows what it means to us that weird they ran the guy out that's perfect so what do you tell people the key to getting out of that is it's a couple different things the number one things team work the number one call that I hear on your podcast that just breaks my heart is how do I get my spouse on board and it's just a blessing from god that Katie's been on board with this from the very beginning and I mean she says about you yeah this is my accountability partner nam hers you know in this journey you wanna struggle and you want to buy stuff in sometimes I'm a guy and you know I might not even know it existed five minutes ago but now I have to have a yeah I'll definitely and that's for a wife comes in handy Hey we're not buying that take a cold shower wait a week if you still want it they will talk about put in the budget when the house is done but move on Mike or get the house done yeah and you know I think a little bit of vice versa there so that in the envelope system in a budget you know got to be on the budget the budget is the law and if we wrote it in the budget we were aggressive budgets we were going to hit that budget no matter what is that and like at the beginning of this side of really nice gun collection I was a big gun collector and going to the Dave Ramsey point of like all right well covered everything I'll be super aggressive just don't touch the guns yeah there's no guns left and I mean we were three months from you know with the house and we're gonna be two hundred dollars under budget and I had a Glock it was the first gun I ever bought it's like very important to me but hidden a budget that month and not miss my two rows of way more important may with three months left so got rid of it and you know we did that so we would hit our number if we wrote it was the law we had to do it well the good news is your only payments so you can buy guns life is good what happened to me about a few too many but or to go man congratulations you guys very cool okay what do you tell people the key to getting out of that is I definitely to have your spouse on board I will admit that I was a little hesitant at first I cried our first couple budget meetings with taking everything away from me and then I learned that I didn't really need all that stuff so yeah it's getting your spouse onboard being on the same page so but eventually by the third budget meeting you had a vote I did more later on you start taking stuff away from him I did this for about for play right so this is the way it's supposed to be right there well done you guys and the young man or what your your your sons are what agent names this is Matt he's eleven and this is Landry and he's eight okay so are were they involved they know what's going on yeah yeah very much so I know mom and dad a pay if change their family tree yeah yes that is never going back now I mean this is a generational change yeah well done our I counted down you guys Michael Katie madam Landry Columbus Ohio two hundred twenty seven thousand but often forty nine.

three months sixteen eighteen months two hundred dollars sixteen months thirteen years five minutes seven years four years
"landry columbus" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

08:26 min | 10 months ago

"landry columbus" Discussed on NewsRadio 1080 KRLD

"Take you to guess forty nine months very good and your range of income during that time so we started about one twenty five and ended up about one sixty five very cool what you guys do for a living I am a teacher I'm a district manager in automotive repair very good cool or fun and what kind of debt was your two hundred and twenty seven holes in dollars we're pretty normal Dave we high credit card debt student loan a car payments but the biggest part of our data why is our house you bet we did look at it where way to go you guys wow you're young to have a paid for house is also very cool so how much of the two twenty seven was the mortgage well about seventy other was consumer debt that we knocked out first and then the rest of it was all the mortgage so hundred fifty hundred forty or so about that yeah on a cool what's a house worth they could sell for about two eighty right now sign in and it's yours by every hits I love it how long you guys been married for thirteen years have you ever been debt free while you're married now now not even close yeah love it very good very good man this kind of feel great are you gonna be just here to have free you don't email owner house it's pretty exciting it's kind of surreal in as SO three a half as fun you just feel light as a feather yeah it's something else ma'am well I'm so proud for y'all excellent good job so tell me what happened four years ago that put you on this journey well we were struggling we're just living paycheck to paycheck and make pretty good money we're pretty happy with what we're making but then we're doing our taxes and things like that were worse all the money going yeah and it was getting to the point where on Tuesdays and Wednesdays leading up to my payday can you go Hey don't spend any money till Friday in it that obviously good arguments because Michael we have money coming in what what can I go to lunch at work this week because we don't any money Mike don't don't spend any money we're done and it was just a lot of tension in everything we were doing trying to figure it out ourselves and fix it just wasn't working it was a quicksand we're going backwards backwards backwards never great idea I had back then was not a great idea and we went to a good friend of ours wedding and it was one of those weddings for we know them but we don't really know anybody else or sit in it you know one of those assigned seats tables on one side of us is a couple and another side of us is a financial adviser and god bless the guy was sitting next to us is like well I'm broke I could use a financial adviser and we're just kind of sitting in the middle on the interesting conversation just keep your mouth shut and so they're talking about money in a couple different things in the protest wife is said you know we've been doing the rate Dave Ramsey punished and really working for us and then later in the conversation they said some of mortgage debt and that's when I decided to open my mouth because I thought I was smart guy at the table which I wasn't and I said you know what you're always gonna mortgage and then as wife looked at me and I'll never forget the way she looked and she is Dave Ramsey says you won't I've never even heard your name your flippers they were right so that night when we got him from that wedding I the total money makeover and read that book so fast it's fast I've ever read a book in my life and then as Katie to read it and then we were off to the races at that point it was like clarity like wash over us like this is what we have to do on this model of our life yeah how fast did you knock off the seventy the consumer to about sixteen months that's what I thought yeah okay very cool and then record you broke records on the house yeah we we bought our house pretty smart we didn't have any PMI we're pretty good in it and then we got done with baby step three we're looking for five and six and we're just struggle along on four five and six enjoying it and then keep he's like Hey we got a steak is on tents we have to get this house done I've been a life where we're just going to talk about it we got it doing so in our behaviors were in place from knocking out the seven back well yeah so it's yeah sixteen eighteen months to do a muscle built up here will do it and so you just lean down and knocked out yeah so we were game on like anytime anything that would bring in extra money we're doing it that's impressive very well thank you so so really you did the house about two and a half years from the time you knocked out the other yeah that's very that's highly that's very fast the typical is about seven years just to tell you I have excellent well done thank so outside of the two of you who were your biggest cheerleader well so our parents are really big cheerleaders we had a couple groups of friends that were really big cheerleaders and they don't necessarily understand exactly what we're doing but they were support have so you know that really helped in our journey we have some good friends who may not be on the plan but they understand if you're gonna hang out with us we're going to cook at home we're gonna play euchre like we're not gonna go out to a fancy dinner and I really I know you're gonna ask that question I really feel like that's like the support we're looking for through that they just really helped us stay on process absolutely that's very very cool good very good so what do you tell people the key menu you got her how old older I'm thirty six I'm thirty nine I never paid for house we do I mean you're officially with yeah so cool so cool we actually have a doormat in front of our paid off house that says weird people live here and nobody knows what it means that we're doing around the guy out that's perfect so what do you tell people the key to getting out of that is it's a couple different things the number one things team work the number one call that I hear on your podcast that just breaks my heart is how do I get my spouse on board and it's just a blessing from god that Katie's been on board with this from the very beginning and I mean she's wider says about you yeah this is my accountability partner nam hers you know in this journey you wanna struggle and you want to buy stuff in sometimes I'm a guy and you know I might not even know it existed five minutes ago but now I have to have a yeah I'll definitely and that's for a wife comes in handy where Hey we're not buying that take a cold shower wait a week if you still want it maybe we'll talk about put in the punch you in the house is done but move on Mike or get my house done yeah and you know I think a little bit of vice versa there so that in on the envelope system on a budget you know it's got to be on the budget the budget is the law and if we wrote it in the budget we wrote aggressive budgets we were going to hit that budget no matter what is that and like at the beginning of this item really nice gun collection I was big gun collector and corn in the Dave Ramsey point of like all right well covered everything I'll be super aggressive just don't touch the guns yeah there's no contract and I mean we were three months from you know with the house and we're gonna be two hundred dollars under budget and I had a Glock it was the first gun I ever bought it's like very important to me but they did not budget that month and not miss my to some way more important me with three months left so got rid of it and you know we did that so we would hit our number if we wrote it was the law we had to do it now well the good news is your only payments so you can buy guns and life is good of his can put up with me about a few way too many but or to go man congratulations you guys very cool okay what do you tell people the key to getting out of that is I definitely to have your spouse on board I will admit that I was a little hesitant at first I cried our first couple budget meetings with taking everything away from me and then I learned that I didn't really need all that stuff so yeah it's getting your spouse onboard being on the same page so but eventually by the third budget meeting you had a vote I did more later on you start taking stuff away from him I did this for about fairplay right so zero it's supposed to be right there well done you guys and the young man or what your your your sons are what agent names this is Matt he's eleven and this is Landry and he's eight okay so are were they involved they know what's going on yeah yeah very much so I know mom and dad a pay if change their family tree yeah yes that is never going back now I mean this is a generational change yeah well done all right counted down you guys Michael Katie madam Landry Columbus Ohio two hundred twenty seven thousand but often forty.

district manager Dave three months sixteen eighteen months two hundred dollars forty nine months sixteen months thirteen years five minutes seven years four years
"landry columbus" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

07:40 min | 10 months ago

"landry columbus" Discussed on The Dave Ramsey Show

"Then we knocked out first and then the rest of it was all the mortgage are one hundred fifty hundred and forty or so about that. Yeah all right cool. What's the house worth? Think we could sell for about two eighty right now and it's yours baby boomers I. I love it. How long you guys been married for thirteen years? Have you ever been debt free while you were married now. No not even close. I love it very good. Very good man. This feel great. I mean you've gotta be just your free. You don't even own your house. It's pretty exciting. Count Surreal isn't it is so surreal as fun. It just feel light as a feather. Yeah it's something else man. I'm so proud for y'all good job so so tell me what happened. Four years ago they put you on this journey. Well we were struggling. We're just living paycheck to paycheck and make a pretty good money. We're pretty happy with what we were making. But then we're doing our taxes and things like that where where's all the money going. Yeah and it was getting to the point. Where on Tuesdays and Wednesdays leading up to my payday can you go? Hey don't spend any money till Friday and that obviously arguments. Because I'm like well we have money coming in why. Why can't I go to lunch at work? This week Because we don't have any money Mike don't don't spend any money we're done and it was just a lot of tension and everything we were doing trying to figure it out ourselves and fix. It just wasn't didn't work and it was like quicksand. We're going backwards backwards backwards. Every great idea I had back then was not a great idea and we went to a good friend of ours wedding and it was one of those weddings where we know them. But we don't really know anybody else so we're sitting at one of those assigned seats tables on one side of us is a couple and another side of a financial show adviser and God bless the guy who's sitting next to us he's like well. I'm broke I could use a financial adviser and then we're just kind of sitting in the middle going interesting conversation station. Just keep our mouths shut and so they're talking about money and a couple of different things in the broke. Ice Wife has said we've been doing the right Daveramsey plan that's been really working and for us and then later in the conversation they said something about mortgage debt. And that's when I decided to open my mouth because I thought it was smart guy at the table which I wasn't gonNA said Well you're always gonNA have a mortgage and then his wife looked at me and I'll never forget the way she looked. I mean she was Dave Ramsey. Says you won't. I'd never even heard your name flippers. Flippers Daveramsey right. So that night when we got home from that wedding I got the total money makeover and read that book so fast. It's festive ever read a book in my life as Katie to read it and then we were off to the races at that point. It was like clarity like wash over us like this is what we have to do. Deliver alive so. How fast did you knock off the seventy the consumer debt about sixteen months? That's what I thought. Yeah okay very cool and then wreck. You broke records on the house. Yeah Yeah We. We bought our house pretty smart. We didn't have any. We're pretty good in it and then we got done with baby step three. We're looking at four or five and six and we're just trucking along on four or five six enjoying it and then Katie's like hey we gotta stay Gazelle intense. We have to get this house done. Can't live in a life where we're just gonNA talk about it. We got it. Do do in our behaviors were in place from knocking out. The sixteen to eighteen months will do muscle built up to be able to do it. And so you just leaned in and knocked it Out Yeah so we were game on time anything. That would bring an extra money. We're doing. That's impressive very weekend. So so really. Did the house about two and a half years from the time you knocked out the other. Yeah yeah that's very that's highly. That's very fast. The typicals about seven years just Italia so excellent. Well done so outside of the two who of you. Who are your biggest cheerleaders so our parents were really big cheerleaders? We had a couple of groups of friends that were really big cheerleaders. And they didn't. It didn't necessarily understand exactly what we were doing but they were supportive. So you know that really helped in our journey we have some good friends friends who may not be on the plan but they understand if you're going to hang out with us we're GonNa Cook at home or we're going to play EUCHRE. WE'RE NOT GONNA go out to dinner and I really. I knew you're GONNA ask question. I really feel like that's like the support we're looking for through that. They just really helped us stay on process. Absolutely that's very very cool. Good very good. So what do you tell people the key I mean you guys are how old are you. I'm thirty six. I'm thirty nine and you have a paid for house. We I mean you're officially. Yeah that's just so cool so doormat in front of our paid off house. That says weird people live here and nobody knows what it means that we're day Ramsey guy. That's perfect so what do you tell people the key to getting out of debt is it's a couple of different things in number one thinks teamwork the number one call that I hear on your podcast. That just breaks my heart is how do I get my spouse onboard. And it's just a blessing from God that Katie's been on board with this from the very beginning and I mean she says about you see is my accountability partner and I'm hers. You know in this journey you WanNa struggle and you WanNa buy stuff and sometimes I'm a guy and you know I might not even know it existed five minutes ago but now I have to have it. Yeah I'll definitely and that's where a wife comes in handy where hey we're not buying that ticket cold shower. Wait a week if you still want. Maybe we'll talk about putting in the House has done but move on Mike. We're getting done and and vice versa there so that and The envelope system and a budget. You know you gotta be on the budget. The budget is is the law and if we wrote it in the budget and we wrote aggressive budgets we were gonna hit that budget no matter what it is and like at the beginning of this. I had a really nice gun collection and I was big gun collector and going into Dave Ramsey plan. I'm like all right. We'll get rid of everything. I'll be super aggressive. Just don't touch the guns. Yeah there's no contracting uh-huh and we were three months from being done with the House and we're going to be two hundred dollars under budget and I had a glock. It was the first gun I ever bought. And it's very important to me But hidden that budget that month and not missing by two hundred dollars way more important to me with three months left so got rid of it and we did that so we would hit our number if we wrote it it was the law we had to do it. Well the good news is you. Don't have any payments so you can buy guns. Life is good good. What happened to me? I bought a few way way to go man. Congratulations you guys very cool. Katie what do you tell people the key to getting out of debt is definitely to have your spouse on board I well admits that I was a little hesitant. At first I cried our first couple budget meetings. They thought he was taking everything from me. Then I learned that I didn't really need all that stuff. So Yeah it's getting your spouse onboard and being on the same page so but eventually by the third budget meeting you had a vote. I did later on you. Start taking stuff away from him. turnabouts fair play right so this is the way it's supposed to be right there. Well done you guys and the young men are what are your so your your sons are what age names this is Matt. He's eleven And this is landry. And he's eight. Okay so our were they involved. They know what's going on definitely that very much so I know mom and dad pay changed their family tree yes there's never going back now. I mean this is generational change. Yeah well done aright. Count it down you guys Michael. Katie Matt and Landry Columbus Ohio. Two hundred twenty seven.

Katie Matt Dave Ramsey Mike Ice Wife Landry Columbus Ohio Michael partner
"landry columbus" Discussed on 106.1 FM WTKK

106.1 FM WTKK

08:51 min | 10 months ago

"landry columbus" Discussed on 106.1 FM WTKK

"My calling Katie you're with us that you guys good how are you today better than others merry Christmas merry Christmas welcome to Nashville where do you guys live we live in Columbus Ohio fun cool great town love it will welcome here to do a debt free screen how much of it paid off we've paid off two hundred and twenty seven thousand dollars wow and how long did this take you took us forty nine months very good and your range of income during that time so we started about one twenty five and ended up about one sixty five very cool what you guys do for a living I'm a district manager in automotive repair very good cool or fun and what kind of debt was your two hundred and twenty seven holes and dollars we're pretty normal day we had a credit card that student loan a car payments but the biggest part of our data why is our house you bet your look at where way to go you guys wow you're young to have a paid for house is awesome very cool so how much of the two twenty seven was the mortgage well about seventy of it was consumer debt that we knocked out first and then the rest of it was all the mortgage so hundred fifty hundred forty or so about that yeah on a cool what's a house worth they could sell for about two eighty right now and it's yours by every hits I love it how long you guys been married for thirteen years have you ever been debt free while you're married now now not even close yeah love it very good very good man this kind of feel great are you gonna be just here to have free you don't email owner holes it's pretty exciting it's kind of surreal in as so surreal as fun it just feel light as a feather yeah it's something else man well I'm so proud for y'all excellent good job so tell me what happened four years ago that put you on this journey well we were struggling we're just living paycheck to paycheck and make pretty good money we're pretty happy with what we're making but then we're doing our taxes and things like that were worse all the money going yeah and it was getting to the point where on Tuesdays and Wednesdays leading up to my payday can you would go Hey don't spend any money till Friday and that obviously good arguments excellent for we have money coming in what what can I go to lunch at work this week because we don't any money Mike don't don't spend any money we're done and it was just a lot of tension in everything we were doing trying to figure it out ourselves and fix it just wasn't working it was a quicksand we're going backwards backwards backwards never great idea I had back then was not a great idea and we went to a good friend of ours wedding and it was one of those weddings for we know them but we don't really know anybody else or sit in it you know one of those assigned seats tables on one side of us is a couple and another side of us is a financial adviser and god bless the guy was sitting next to us he's like well I'm broke I could use a financial adviser and we're just kind of sitting in the middle one is a interesting conversation just keep your mouth shut and so they're talking about money in a couple different things in the proconsul isis said you know we've been doing the rate Dave Ramsey punished and really working for us and then later in the conversation they said some a mortgage yet and that's when I decided to open my mouth because I thought I was smart guy at the table which I wasn't he said you know what you're always gonna mortgage and then as wife looked at me and I'll never forget the way she looked and she is Dave Ramsey said you won't I've never even heard your name flippers they were right so that night when we got him from that wedding I the total money makeover and read that book so fast it's fast I've ever read a book in my life and then as Katie to read it and then we were off to the races at that point it was like clarity like wash over us like this is what we have to do on this model of our life yeah how fast did you knock off the seventy the consumer to about sixteen months that's what I thought yeah okay very cool and then record you broke records on the house yeah we we bought our house pretty smart we didn't have any PMI we're pretty good in it and then we got done with baby step three we're looking for five and six and we're just struggle along on four five and six enjoying it and then Katie is like Hey we got a steak is on tents we have to get this house done I've been a life where we're just going to talk about it we got it doing so in our behaviors were in place from knocking out the seven back well yeah so it's yeah sixteen eighteen months and a muscle built up to him to do it and so you just leaned in and knocked it out yes we were game on like a big time anything that would bring in extra money we're doing it that's impressive very well thank you so so really did the house about two and a half years from the time you knocked out the other yeah that's very that's highly that's very fast the typical is about seven years just to tell you this I have excellent well done I think so outside of the two of you who were your biggest cheerleader well so our parents are really big cheerleaders we had a couple groups of friends that were really big cheerleaders and they don't necessarily understand exactly what we're doing but they were support have so you know that really helped in our journey we have some good friends who may not be on the plan but they understand if you can hang out with us we're gonna cook at home we're gonna play euchre we're not gonna go out to a fancy dinner and I really I know you're gonna ask that question I really feel like that's like the support we're looking for through that they just really helped us stay on process absolutely that's very very cool good very good so what do you tell people the key menu you got her how old older I'm thirty six I'm thirty nine and you were paid for house we do I mean you're officially with yeah so cool so cool we actually have a doormat in front of our paid off house that says weird people live here and nobody knows what it means that we're day rooms a guy out that's perfect so what do you tell people the key to getting out of debt is it's a couple different things the number one things team work the number one call that I hear on your podcast that just breaks my heart is how do I get my spouse on board and it's just a blessing from god that kid you've been on board with this from the very beginning and I mean she has what is says about you yeah this is my accountability partner nam hers you know in this journey you wanna struggle and you want to buy stuff in sometimes I'm a guy and you know I might not even know it existed five minutes ago but now I have to have it yeah I'll definitely and that's for a wife comes in handy where Hey we're not buying that take a cold shower wait a week if you still want it maybe we'll talk about put in the budget when the house is done but move on Mike or get the house done yeah and you know I think a little bit of vice versa there so that and the envelope system on a budget you know it's got to be on the budget the budget is the law and if we wrote it in the budget we wrote aggressive budgets we were going to hit that budget no matter what it at in like at the beginning of this item really nice gun collection of the big gun collector and going into Dave Ramsey plan I'm like alright we'll give her everything I'll be super aggressive just don't touch the guns yeah there's no contract and I mean we were three months from you know with the house and we're gonna be two hundred dollars under budget and I had a Glock it was the first gun I ever bought it's like very important to me but hidden a budget that month and not miss my to some way more important me with three months left so got rid of it and you know we did that so we would hit our number if we wrote it was the law we had to do it now well the good news is your only payments so you can buy guns that life is good for happen to me about a few way too many or government congradulations you guys very cool okay what do you tell people the key to getting out of that is I definitely to have your spouse on board I will admit that I was a little hesitant at first I cried our first couple budget meetings taking everything away from me but then I learned that I didn't really need all that stuff so yeah it's getting your spouse onboard being on the same page so but eventually by the third budget meeting you had a vote I did more later on you start taking stuff away from him I did this for about for play right so this is the way it's supposed to be right there well done you guys and the young man or what your your your sons are what agent names this is Matt he's eleven and this is Landry and he's eight okay so are were they involved they know what's going on yeah yeah very much so I know mom and dad a pay if change their family tree yeah yes that is never going back now I mean this is a generational change yeah well done our I counted down you guys Michael Katie madam Landry Columbus Ohio two hundred twenty seven thousand but often forty nine months Megan one twenty.

Katie Nashville Columbus Ohio three months twenty seven thousand dollars sixteen eighteen months two hundred dollars forty nine months sixteen months thirteen years five minutes seven years four years