20 Episode results for "O'neill"

SONG "Black Friday!" - The Radio Adventures of Dr. Floyd

The Radio Adventures of Dr. Floyd

01:56 min | 1 year ago

SONG "Black Friday!" - The Radio Adventures of Dr. Floyd

"Well the tickies all wrapped with the leftovers. The rage and the dishes had been washed away away. And now it's time to go to bed even though it's sixtee- yet because we gotta get right into the next day it's black black Friday. It's time to shop and not black Friday all. The malls hopping on Black Friday arisen is dominant the way it should be. You gotta get their new wall to beat them out and it get ahead on those fan. Then you run around. This goes just filling up your car with floods and stuff. They don't really not back every big on sale. You can hear the way back Akber. You're not find you go to jail. That's the way it should be. Save that Guy Breath and neither one of his hurry getting all your person topping as as long as well. It's the end of the day. Basis Act and the critic and odd will take on city bowl. I guess by leaks to Ed. O'Neill wait a minute. I just got a dull appeal on the loan. Let's go back go see. It's black black Friday and every Friday. You spend all your money your black Friday gall every last Richardson.

Akber O'Neill Richardson
Former NYPD Commissioner James O'Neill 4-5-20

CATS Roundtable

06:39 min | 1 year ago

Former NYPD Commissioner James O'Neill 4-5-20

"So we'll talk with Police Commissioner James O'Neill in just a moment he is the new special senior adviser on Cove. Nineteen for New York City and so We're excited to have him John. Cats and Matisse sticking around with us as well I think we have commissioner O.`Neil here commissioner. Is that you there. I'm on the line. Are I commissioned? Thanks so much for joining Frank. Moreno and John had some So for folks. That aren't up on what your new role is. Covert nineteen senior adviser. What exactly you actually going to be doing. So just let me give you a little quick background I'm I'm out in The Bay area in the West Coast working for visa. I asked my boss. Al Kelly's the CEO. If I could come back and helping Alice gracious enough to say yes you know. I'm still fulltime employees of visas. I really appreciate that Spoke to the Mayor. Asked me to come back. He would have a role for me on Wednesday morning. Eight o'clock he called me up and said He'd like to come in and and she a real hard look at the supply chain There's obviously there's need for. Pba GotTa do our best to keep Pity health workers safe and The sourcing is is is from multiple sources. You know you got the Fed's get to stay at city got the private sector. You've got vendors You have people really generous people out there at donations. We just WanNa make sure that the system being used to distribute that these as efficient as possible and we get this equipment out as quickly as possible to help keep the health workers Secretary can so they can do what they do. And that Save Lives John. You and I was just yeah the mood call it. You'll be the czar of New York City for Covert Nineteen that. It's a little more specific. Yeah it's a little more specific than that. It's really really focusing on personal protective equipment. You know what I like about the mayor. commissioner We used to save that we talked about it is he knows where he has weaknesses. Mississippi and he and he brings in qualified people to make sure the job is done. And that's one thing I like about bill to Blasio. He's he really understands the need here. especially coming coming up on peak and we don't know exactly when that's going to be we just really John. We really need to do our best to make sure that we get that and we move in as quickly as possible and as I said in my opening remarks there is that people are really being generous. But we do need. Everybody's got a part the plane whether it's staying at home and that's certainly not as simple as it might stand on a sound especially if you have kids but everybody's got a part to play this the essential workers grocery People that work at grocery stores people at work at pharmacies people that are driving the trains sanitation people. You know. There's just a ton of great work being done out there and everybody's got every everybody can make a contribution here. This is something that we've never. We've never really faced before especially people of our generation and the generations younger than us. This is But there's some uncertainty here. But you know new. York is a resilient New Yorkers are resilient I gotta get through this but we all have to work together at all levels commissioner in charge of the supply chain the areas that are actually a little bit short. What are your neediest areas? And is that something I mean. Obviously people don't have A lot of medical equipment lying around the house but are there any supplies that people might be able to donate to help with your efforts. Yeah there's there's if you go on a New York City when website You'll see it's pretty easy to to navigate. The there's an area you can do it you can do with money they can do is if you're a medical supply company or if you have a source or Do you can go in there. And and And and let people know what you have and it's it's it's it's PP and ninety five Masks it's surgical masks surgical gowns. Booties CAPS Obviously ventilators it shields it goggles. It's everything that is used by. Healthcare workers keep them safe as they're doing what they do. And as I said that saving lives and and and keeping people as healthy as possible so the need is out there. So if you John If if you WanNa if you WANNA work With all the people you know two seats that it gets them some Some PPA or some money for for the city that would really greatly appreciated. 'cause there. There's a need and the amount that's being used everyday. Not It's a terrific amount of P. That's being used everyday. Well I'm sure were you know I I told people that work on it But I'm busy putting toilet paper under shops. Are you sure as I said John? You're part of the essential people out there You know people people still have to eat. They still need Kitchen products paper products. So everybody's got a part to play in these really do and You know I've only been back since Wednesday but My my phone is getting blown up with Office of Health Officer of OFFERS OF A P P. That's great and I'm turning that right over to the sourcing people to make sure that we get an accurate count and get stuff in here as soon as possible. Let me ask you a question. as as former commissioner This ten thousand police officers and fire Officers that have called in sick and feel sick At what point do we have a prop so John? You know. Dermott Germans German shepherd. The police commissioner is one of the smartest guys I know. And he's got a great executive staff there he's got and then Tucker Terry Monaghan. There were a number of other people fast up charter. The chief patrol They this is. This is not something that we never think about this. This is a contingency planning whether it was myself whether it's Bill Bratton whether it was Ray Kelly. This is something that you always always talked about the always table top. The what would we do if this happened? What we do with that happened. Well there's thirty six thousand cops. There's six thousand detectives out there. No there's they right now The DERMOTT is is Working with all of his chiefs to make sure that we can the NYPD can do what they do. Best and keep people safe commissioner. You are an expert in the field of keeping folks save One of the greatest police commissioners the city's ever seen one of the finds police officers The city's ever seen I think. A lot of New Yorkers feel a lot better the fact that you're on the job thanks so much for taking the time this morning. Thanks so much for answering the call to come back to public service. Thank you frank. Thank you John. I'll catch up with both of you. Thank you very much stay safe.

commissioner John New York City Commissioner James O'Neill senior adviser Frank Fed West Coast NYPD Moreno Al Kelly Mississippi Pba Alice York Bill Bratton
We're Back!

Sidedoor

03:50 min | 1 year ago

We're Back!

"Listeners it's Lizzie and it's almost time for the moment you've been waiting for the return of side door. We've been hard at work on season. Five which is full of wild history art and science stories from around the Smithsonian. You know the kind you've come to expect from us. We'll have space squid spies electric eels and underpants. All in the first four episodes. The first of those will hit your feeds in the wee hours of Wednesday march fourth. So Mark Your calendars. In the meantime. Why not check out one of our previous sixty seven stories and if you need help choosing here. A few favorites are episode called. The Wild Orchid mystery tells the story of one of North America's hardest to find native orchids reporting. This one got lost in the woods. I was worried no one would be able to find me. Remember where you're going out here. Thank God I'm caught up my my cord or you listen to killer viruses and one man's mission to stop them. This episode tells the story of the man who is said to have saved more lives than any other scientists in the twentieth century. He did it by developing over. Forty vaccines including handful. You've probably had yourself when we look at the history of medicine we tend to think. Oh things improve you know over time? Actually Diseases spread faster in the fifties and sixties than they did in nineteen ten simply because we travel much more quickly and in September. The side door team went back to school with the most Smithsonian field trip possible and made some new friends along the way through this very common rational conversation. We've been having their stillie. Trench Lawn my hand right for it to be offer him. I would be perfectly content. If she went elsewhere. We'll be back in your feed with the new season on March fourth. In the meantime don't forget to follow us on twitter at side door pod and we have a new instagram account with the same name. That's side door pod. All one word so each back here in a week to lose can't get enough of side door. Well there's more sign up for the side door newsletter to get behind the scenes content for each episode. There's so much more to our stories than we can fit into each episode. The newsletter is worse cider producer. Justin O'Neill and I can share photos videos. Facts and favorite moments that for whatever reason didn't make it into the PODCAST? You can also find links to articles and more specifics about the research being done here at the Smithsonian across the country and beyond sign up at SL dot edu slash side door that's SL dot edu slash side door. I love learning new things on side door. Here's something you might not know. The Smithsonian relies on support from people like you to make all of the research discoveries exhibitions you hear about possible. Smithsonian are addressing critical issues in the field of science history art and culture issues that affect us all and you can be a part of it. A lot of people listen to side door. Imagine what we could learn next if everyone chipped in just a little find out how at SL that EDU slash contribute.

Smithsonian Lizzie North America Justin O'Neill producer twitter instagram
Tip and the Gip Part 1

Slate's Whistlestop

48:26 min | 2 years ago

Tip and the Gip Part 1

"This episode of whistle-stop is brought to you by the new Showtime documentary series enemies, the president Justice in the FBI from Academy Award winner. Alex, Gibney enemies is a true political thriller. They say history has a way of repeating itself. This series goes from Watergate, Iran, contra and whitewater to the Russia scandal today, it examines the parallels. The similarities, and the connections enemies, the president Justice in the FBI. Start streaming this Saturday only on Showtime following podcast contains explicit language. Hello and welcome to whistle-stop podcast the presidency. I'm John Dickerson of CBS this morning. Seventy year old patient lay threaded through the tubes of George Washington University hospital bed recovering from a gunshot that had pierced his long lost half his blood in an internal hemorrhage, and he was still weak. But it was not so spent that he could not whisper along with his Irish Catholic visitor who had knelt to pray for him. They said the twenty third psalm. The Lord is my shepherd I shall not want. He makes me to lie down in green pastures. The bullet had come within an inch of the patients. Hard death had been closer than all. But the tightest circle of his intimates had known that circle had to be tight because the exterior circle of interested. Parties was large a country of nearly three hundred million who had elected the patient, the fortieth president of the United States just four months earlier had he died the man kneeling in prayer would have been the next in line after the vice president to replace him. When speaker of the house tip O'Neill had finished praying he hauled himself back up and bent his. His six foot three three hundred pound frame over the bed and kissed. President. Ronald Reagan on the forehead. I'd better be going. He said, I don't want tire you out. This is the story of tip and the gipper bitter enemies, political rivals and friends. We'll get to it in a minute. But first word from our sponsor. Slate listeners we need your help. I'm Charles duhig author of the power of habit, and I'm working on a new show about how to solve the problems of life both big and small, and that's where you come in. For our first couple of shows were looking for someone who's facing a big tough decision. Perhaps you're wondering if you should take a new job or get a divorce or maybe you're trying to decide if you should run for mayor. It could be any kind of conundrum, but we want to hear. We're also looking for someone who's wondering how to be funny, maybe you're giving toast in an upcoming wedding. Or you recently didn't open mic night and your jokes felt totally flat. Or maybe you're already running for mayor and you need to deliver Zinger in the debate. Send us an Email at how to at slate dot com. That's each WTO at slate dot com, please include a phone number where we can contact you. And thank you very much. We can't wait to solve your problems. In nineteen Ninety-two hundreds of armed federal agents surrounded a family of white separatists in a ramshackle mountain top cabin. Eleven days later three people were dead. And the story of Ruby Ridge was just beginning. I'm Ruth Graham. And I'm the host of the new slate podcast mini series standoff over four episodes. We'll find out what happened at Ruby Ridge. What went wrong, and how the tragedy became a foundational myth for the modern far-right subscribe to the show and apple podcasts or wherever you listen. If you're just starting out in politics, the cliche and bromide book you receive on your first day contains a story about cooperation between two politicians that leads the section in that book on bipartisanship now, this would be the volume of cliche and bromide published before the current volume where there is no chapter on bipartisanship. Editors determine no officeholder would need it today. The well-worn story is the tale of how Republican president Ronald Reagan and democratic speaker of the house tip O'Neill work together to save social security. The story has soaked. So deep into the public consciousness that you can see it in the headlines nearly every year for the last many. For example, Ken Donald Trump learned from Ronald Reagan and tip O'Neill reads, a New Yorker headline from twenty seventeen from two thousand fifteen and he'll newspaper headline reads, how tip O'Neill and Ronald Reagan could make this congress work twenty ten tip O'Neill and Reagan a model for breaking partisan gridlock. Two thousand nine bipartisan. Reagan Neil social security deal in nineteen Eighty-three showed can be done. It's a hardy favorite that. I feel like I've heard a thousand times on the campaign trail as politicians who make calls for bipartisan ships he to give their audiences. An actual example of how it can work using familiar names. We know and so it was just again last month in October of two thousand eighteen when Mitch McConnell the Republican. Majority leader of the Senate polled the old him no off the shelf and referred to the commission. The two politicians had formed to address the challenges to social security McConnell said think of Reagan and tip O'Neill coming together in the early eighties to raise the age for social security. It took it out of the political arena and made it possible to be successful. But what does this story really mean of O'Neill and Reagan does the Senate leader McConnell have it, right? To those headline writers have it right can strong members of both parties simply get together and work things out the way O'neil and Reagan did maybe, but those who would like to conjure the success of the past have more to do than simply whisper the names of Reagan and O'neil we must look at the ingredients that led to the success. The eye of Newt goat entrails and pistachio foam in order to identify. If those ingredients are available today. Can we just nip down to the Krogers and get them or? Or are they no longer on store shelves? What was it about this relationship that allowed it to work? What about the people around those two men, and what was it about politics, the time that constrained and guided those two singular figures, they fought and beggared in a way that would seem very familiar today. What pulled them back into a working relationship? It was more than simply flicking a switch. They were both pulled by notions of bipartisanship and an ordering of priorities about country and party as well. As a fellow feeling all of which is hard to see in politics today. This is the story of two Irishmen of humble roots who met at the end of one year of American politics and the start of another the dawn of conservative ascendancy in American government and the start of the twilight of the old liberal order. These two men were warriors, but not simply for their party. But for their view of the world the operated during a time when those two things were distinct ideology crossed. The lines you had conservative Democrats and liberal Republicans in politics, you had to look beyond what jersey the person war to know, what they believed this among other things meant those people actually believed something a politician who believes something more than just what party. Do you come from can be appealed to by using the tools that helped him build that belief reason tradition? History patriotism, these are the inroads for negotiation among adversaries, some of these roads are closed today. Reagan was a believer in the free market. O'neill was a believer in the power of government to improve the lives of those less fortunate and to protect those the free market would ignore or trample. Reagan was a man of the open prairie in the west O'neil Amana the crowded cities, but they were both optimistic romantic and shared basic beliefs about making political deals we hear a lot in politics today about getting people in the room and hammering out a compromise. Will these two actually did that who's not perfect? It was hard the failures. Switch banks acrimony. But after the scrum, there, were achievements. Whereas today on the big issues of our time. We mostly just have the scrum for decades we have piled deficit upon deficit mortgaging our future and our children's future for the temporary convenience of the present. To continue this long trend is to guarantee tremendous, social, cultural, political and. Economic upheavals at his inauguration in nineteen Eighty-one. Ronald Reagan sounded the themes that had brought him to Washington the election of nineteen eighty offered. A right angle in American politics. It wasn't just the elevations of a president who promised to manage the government from the left or right. Ronald Reagan promised to pare down government altogether reshaping its role in American life. As he famously said government is not the solution to our problem government is the problem after fifty years of liberal dominance. Reagan was a conservative coming to Washington on a wave of discontent with that liberal order, and let's define our terms here by liberal. We mean those in fate who favor using government as an instrument to make people's lives better by conservative. We mean, not a moderate Republican who believes that the federal government can be used more efficiently or more wisely for the activities different than the way the Democrats want. But we mean a Republican who believes that the federal government is wasteful. Limits freedom of the individual at the very least by taxing that individual and the government gets in the way of private charity and the free market which have allowed to flourish will lead to a greater share of human happiness. If Reagan came to the first year of the nineteen eighties whisking under a bright Hollywood grand opening marquee. The Democrats returned to the city where they had rain dominant. Deep in the dumpers, the fortunes of the Democratic Party had fallen quickly since the resounding victories for Democrats in the wake of Watergate and Ford's pardon of Richard Nixon as John Farrell writes in tip O'Neill in the democratic century after a fine first year as speaker with a passage of ethics and energy packages. O'neill's performance had lapsed to adequate in nineteen seventy eight and then to piteous in nineteen seventy nine and nineteen eighty. We'd run out of ideas said Representative Gillis long of Louisiana, the chairman of the democratic caucus for four years. We've been living in a dreamworld the electorate had punished the Democrats with a clanging blow in nineteen eighty the GOP one the White House, the Senate after Democrats lost twelve seats. And there was a thirty four seat game in the house of representatives. This was known as the Reagan revolution for house speaker tip O'Neill the election victory and rising wind of conservatism wasn't just a sad thing. And it wasn't simply a turn in the back and forth of things. It was a deep challenge to a vision of government that he devoted his life to a government that lent. A hand to the worker down on his luck that kept the widow from probation and healed the sick no matter how poor Neal's leadership aide Burt Hoffman wrote the speaker and note about his new role until such time. As we nominate a new presidential candidate. You are the leader of the Democratic Party as well as the highest public official of that party. You are also more than ever the only person in a position to continue representing the ideals of Justice and compassion this again from John Farrell's tip O'Neill, the democratic century. It's one of the books I'm leaning on here. You'll remember Farrell's book on Nixon also got a good workout in previous whistle stops. So you should check him out by the whole set. So we have a big election and an ideological transformation that still defines American politics today. But how did this play out in practice? Once the whistle blew. Well, we'll focus on three domestic issues in these whistle stops on Reagan and Donio. That's right. There's more than one episode the budget taxes and social security now, they're all closely related the federal budget, which encompasses taxes and social security is the instrument for sending government priorities. Do we care more about the threat from the Soviets more than we do the desire to help the poor budgets also put the focus on government effectiveness? Do we think the poor are most helped or best helped by government program? Or is there another way either through a more efficient government approach nudges rather than direct handouts or through a non governmental avenue completely Reagan had promised to lower taxes strip regulations and increased defense. Spending sounds familiar this. Of course, was the essence of the Trump platform as well. When you look at it from a policy perspective important, caveat, their views on immigration are wholly opposite. Reagan would be seen as a an amnesty loving open. Borders squish by the terms. Of the current debate. Reagan promised to government would that would get off your back take less of your money and focused more on its core goal protecting you, but let's not make this sound to anodyne economy was in tough shape. Unemployment was at seven point five percent. When Reagan came into office that meant that the national debates about accounting and budgets were really about. Whether the government was going to shrink at the expense of the people who needed government helped the most in it we Connie the poor the elderly the mentally ill. What Reagan said was bloating and slowing the economy? Democrats saw as the necessary functioning of government as it had been reshaped by FDR as Roosevelt repaired the country and shifted its mission after the devastation of the great depression, which Democrats saw as the result of a rampant and free floating free market. That's the way Democrats. So I'd but the reason this revolution in conservative. Upswing was taking places that there were lots of examples of Democrats who had in office for that protracted amount of time reclined into simply protecting themselves that they stayed. Empower and had become comfortable with its perquisites ten sent word delivering bloated federal pork projects to their constituents at home. Let's take another run at that sentence students. If we might they had stayed in power and had become comfortable with lobbyists steak lunches at the poem restaurant and the attention at parades and factory openings back home in their districts. So those were the stakes for these debates about the budget taxes and social security bullets pause on the stakes for a moment. The Reagan O'Neal story is about big fights on big things and also achievement and cooperation on big things in our current climate leaders of the party in power will point to bipartisan achievement on smaller little pieces of legislation as proof that the institution is working. But that's not the same as when you have cooperation on the big fundamental fights of American politics. Now, let's focus on two elements that are key part of the story that we don't really have in politics today so much or. Or that are decl. Well, we definitely don't have one. The other is in a weakened condition, and those two elements are norms and numbers there were ways of behaving in politics and personal life that constrain both Reagan and Donio in this drama, and that drew them back to the negotiating table with each other, those are the standards the norms the patterns of behavior that are a part of the basic contract we make in civil and public life the word norm is a bit of a bummer because every time you heard professor used the word norm in class. It was like a little tiny signal that you could basically ignore. The pile of words that he was going to offer you afterwards because it was just self soothing talk. But it is important because enormous actually means I won't press every maximum advantage. Because I recognize if everyone did that that it would start us on the road decay ause, these standards that we talk about in politics can seem like decorum and etiquette which might relegate them simply to the old. Elite protective drawing room rules of the country club in the dining club in the Jane Austen novel. But as we'll see these standards, these norms these patterns of behavior, encouraged, generosity, humility and duty to larger values all of which are the requirements for progress in these divided government negotiations at the moment, we are in a time of shredding norms. President Trump has his hand on the Chipper shredder and the political system is responding. The president is focused on getting things done say his supporters and opposition to his norm. Breaking is simply elites worried about propriety. The alternative view is that as the president Corson's the office, he chokes off shrivels and Char's the pathways that Reagan and O'Neal used to develop a relationship and make progress. Here's how this argument goes when the president breaks a norm. His party is tied to a more tightly than in the past this draws the whole party to into the norm. Shredding busy. So when the president airs and hat on major networks labeled as racist. Those networks didn't air the ad because it was labeled as racist. And then the Republican governor of Ohio and outgoing Republican Senator from Arizona also labeled as racist. This doesn't matter to the head of the Republican party who is in lockstep with the president. So the head of the Republican party champions, the ad now party chairs aren't there wasn't a time. When party chairs broke so much with the president. That's not terribly new. But what is new is that the president stakes out a position of the kind that President Trump has and the adhesion of party loyalty is what changes the system, and that's how a president's normative behavior sets the collective normative behavior of a party. And it's in this way that we think about the character of the individual occupant of the office. That's how it gets amplified to an entire political system. We talk a lot about character in office. This magnifying affect is why character is important in response to shifting norms. Democrats are encouraged to fight fire with fire. So during the fall of twenty eighteen nomination. Hearing of president the president supreme court nominee. Brad Kavanagh in the Democratic Party was swept behind the unfounded. And immediately suspect claims about cavenaugh promoted by lawyer, Michael ebony in a gutter fight with the president so disliked by the party, the niceties of the past were cast aside in order to support the extraordinary claims of avenue and his client, which all which turned out to be without merit. Under normal circumstances. Democrats might not have rushed behind and talked about in an open committee hearing those crazy claims, but they did in this case because of the nature of political combat as it now exists so. What norms did O'neil Reagan play by the I was that O'neil recognize that what had just happened in the election. The people had spoken, and he though he was in the opposite party had an obligation to shape the result, not block it. So we had an obligation to to let the people continue to speak through the political process. Not simply block it. This is the take John Farrell is book about Neil. And Chris Matthews who worked for O'neil wrote a book called tip in the gipper. When politics worked also a good book. So the people had spoken in O'neil wasn't going to do everything possible to block the president's agenda. He was going to try and shape it, but he he put in primacy not the party, but the sound and signal that he had gotten in that everyone had gotten from the country. Congressman Charlie Stenholm of Texas, a conservative who often fought with O'neil. So at this way too. He wrote tip recognize that the people of America had voted for change. And the new president deserved chance to pass his agenda. Now, that's the gauzy way to put it another less heroic way to look at this is to say that O'Neill didn't want to look obstructionist other words, it wasn't his warmhearted views about Representative democracy that he was following. He just didn't want to look at. But even that is a norm that we don't see today. So let's imagine for a moment. This was O'neil motivation implicit in. It is that voters would punish the congressional majority for trying to obstruct a newly elected president. Here's how Farrell writes about it in his book after Reagan's election O'neil worried that his party might be punished in nineteen in the nineteen Ninety-two midterms if it came to be perceived as needlessly obstructionist, so here you have bipartisan cooperation connected with the desires of the voting population. And of course, a primary goal for any speaker of the house is to save the house for his. Party to keep to stay in the majority. So the virtuous act of leading Reagan's program through the congress was also connected to the single important political imperative which was to hold control of the house. Stop the music. You do hear music, right? There's not a soundtrack playing swelling, violins, never mind. The reason we want to stop the music is that this is an important difference between the politics that allowed this partnership to exist. Even though it was a push and pull struggle versus the politics of today, which is a push and pull and struggle. But without the partnership part O'neil didn't want to appear obstructionist whether it was because he had virtuous restraint or understood the political reality. But when Barack Obama was president the Senate and house leaders defined their jobs in precisely the opposite way early and Brock Obama's tenure. Senate minority leader Mitch McConnell said quote, the single most important thing we want to achieve is for President Obama to be a one term president in July twenty thirteen John bainer told Bob Schieffer on face the nation. The congress should not be judged by what he'd had done. But by what it had kept Barack Obama from doing wish? Adopt be. Judged on how many new laws we create well be judged on how many laws the we repeal. We're in a divided government. We're fighting for what we believe in. Sometimes, you know, the American people don't like this mess. Now are these men last virtuous than tip O'Neill? If you believe that O'Neill's instincts in nineteen Eighty-one were driven by the federalist papers that he clutched to his breast. Then you say, I if you believe O'Neill was responding to a system where voters punished lawmakers who were obstructionist, then you can say that the system of politics that rewards politicians for their behavior has changed and the current leaders are just responding to that change. You don't ask a man who is implied to swim to do anything? But paddle in the waters. He finds himself in bainer in McConnell are responding to the base of their party that punishes those that are seen as capitulating with the enemy the enemy in this case was Barack Obama live Livesey the enemy he'd been defined that way by conservative media culture with greater reach. Each an influence than anything that was available in the days of tip O'Neill and Ronald Reagan to the extent that O'neil as a liberal was influenced by the quote, unquote, liberal media. It's important to note further in our account here when we get to the time magazine story, but also just in general that O'neil felt like the media was on a bandwagon. All behind Ronald Reagan. So that there was no left wing pressure mechanism that would put pressure on Democrats. If they cooperated with Ronald Reagan, the same way there is a media mechanism that would put pressure on Republicans if they had cooperated with Barack Obama now wherever you choose to come down on these historical questions. It's clear that the norms have shifted wildly. And the leaders are pushed around by forces that make an Neil Reagan type deal far far more difficult today than in the past. If not impossible that also means that commissions that are formed to take the politics out of policy decisions as Mitch McConnell referred to have to in their whatever result, they come up with have to overcome this new world of fallen fallen norms. Such a report from an outside voice has a lot lot more to overcome. But but I'm getting ahead of myself here. Now, there's another reason that O'neil couldn't buck Reagan completely in nineteen Ninety-one. He didn't have the numbers. Democrats control the house to forty four to one ninety one. For Reagan to pass anything he needed at least twenty-six Democrats on every Bill, but he could get that. Because there were as many as forty to seventy Democrats who came from districts that were favorable to Reagan a more official count of this group of Democrats from which Reagan could draw were that forty-seven Democrats belong to the conservative democratic forum that was the formal name for the Boll weevil Democrats. So that there were twenty one more Boll weevil Democrats than Reagan and the twenty six Reagan needed and these conservative bowl wheels. Who Reagan could call on even though the Democrats controlled congress or part of the ongoing transition that was taking part in the Democratic Party. So in addition to northeastern liberals, the Democratic Party contained these southern and midwestern conservatives so O'neil was in a bit of a bind he had to seem like he was cooperating enough with Reagan t to keep those conservative members on his side. So that O'Neill could. Could influence policy because if he lost them, they'd just go vote with the Republicans and do whatever Reagan wanted and O'Neill would lose any ability to influence the final piece of legislation. Also O'Neill had his eye on the prize p needed those conservative Democrats to have enough votes and do enough things with Reagan to get reelected back home because they were in district where Reagan had won the presidential vote. And where people quite liked Reagan. So O'neil was willing to let them go do things that would keep them in good standing at home because they would alternately be elected as DS that would make Democrats give continue the democratic majority in house, and that meant that O'Neill was speaker and could continue to influence things. So here's another point where our narrative diverges from the current moment, everything I've just described to you relies on the fact that O'neil would hold votes in which pieces of legislation were prepared to pass without the majority of the majority party. And this was legislation on big big ticket items in recent Republican controlled Congress's the quote, unquote. Hastert rule has been loosely followed since two thousand and three in which the majority will not put a Bill on the floor, unless it has a majority of the majority. Now, the instances where that have been broken have tended to be emergency funding measures voted on after shutdowns or near shutdowns to keep the. Operating and win John bainer did this. He did it more than than Ryan. He was highly criticized by conservative members who saw the votes that he allowed the past with democratic support as capitulation, and that's alternately what drove bainer from the house, and as he left he criticized the false promises the false prophets. He called him and the false promise was was this idea among conservatives that basically it was an act of will or lack of will that was keeping Republicans Romy able to get the votes on the kinds of legislation. They wanted banners argument was no we just don't have the votes now going back to nineteen Eighty-one. Here's how Charlie Stenholm the leader of the Boll weevil Democrats wrote about the situation in congress, the nineteen Eighty-one budget battles were hard-fought. But every member who had an idea was given an opportunity to put it to a vote when he saying there is the leadership. Of the Democratic Party didn't strangle them and didn't keep them from offering their ideas and putting it up for vote back to Stenholm after all of the voting budget was passed with bipartisan support and those recorded votes became ammunition for opponents to us in the eighty two elections as well, they should have been. So what he's basically saying is let congress do its job. You put out amendments amendments are rather voted up or down a Bill passes either up or down and lawmakers either suffer the consequences or cheered for it at the ballot box when it comes voting time. That's the way it's supposed to work. So what's down is talking about is a process where people were allowed to offer amendments without party litmus tests, which ended up building support for measure because in the end lawmaker might vote for a measure. He doesn't like particularly overall. But because it contained his bauble his Christmas tree ornament. His little piece of tinsel he'd vote for the overall thing because he liked the piece of tinsel and wanted. To pass another note here before we move on the Democratic Party has obviously lost the Boll weevil element. And and and so this is another way in which the political landscape is just wholly different today. Then it was a during the Reagan period. And also have you see the Democratic Party has become more vocal and more connected to both the civil rights movement and also women and minorities being in power. The reason I mention this is. In nineteen Eighty-one. Democrats Ravi see the party of civil rights, but certain things got overlooked in a way that it would be hard to imagine the being overlooked today. So for example, example, Ronald Reagan opened his general election campaign at the Mississippi fairgrounds just down the road from where three civil rights workers had been slaughtered in nineteen sixty four and in that speech. The president says I believe in state rights states rights, so the Democrats at the time thought this was a racial dog whistle. But in today's politics, this kind of appeal by Reagan would mean any democratic leader with who dealt with this future, president dealt with a president who made those kinds of appeals would have to answer for why they were working with somebody who had employed that kind of strategy. So there were pressures that didn't work on Neil. That would certainly work on a democratic leader today. If the situations were simply ported into present home. So how did O'neil make things easier for Reagan? Here's John Farrell. The speaker had the parlor. Entry power over scheduling to delay the process, but chose not to O'Neill guaranteed. The president schedule of consideration of the president's economic and budget and tax programs which gave the upper hand to Reagan because it lay within the honeymoon period. The budget fight took part in the open, but also in the closed doors with chief of staff James Baker working tirelessly with topa tip O'Neill and his staff to try to work through some of these issues. When O'Neill had made the good offers of cooperation he expected Reagan and the Republicans to offer a budget with big cuts in spending and big and tax cuts. And also, you know a lot of money for defense. But he thought he'd be able to shave it into something more reasonable because the Democrats did still control the democrat the budget committee and the budget process. But Reagan ended up offering much more robust and adventuresome budget than O'Neill had expected. And so the house budget process was not simply an effort to shave into a nearby compromise. But O'neil and liberals in the party really now felt like the house budget committee had to stop a huge chunks of the Reagan budget it sue, and this is what guy he did during all the back and forth as it was getting heated. And heated by heated. We're talking about, you know, O'neil calling Reagan Hoover with a smile and accusing him of basically starving the poor and leaving out the widow. And so while he's hammering him about what his budgets will do to the most vulnerable among us. They were still seeing each other socially. You could see the conflict in in Reagan's diary. So on the one hand he writes about a phone call in which tip was all bluster and another entry says tip O'Neill is getting rough. So I'm on TV telling the United Steelworkers union. I am going to destroy the nation, but another entries. He writes about a private evening at the White House in a small dinner of six which included O'neil and his wife, and he writes, it was a nice evening. But maybe an I told too many Irish stories. Based on everything I've read the to basically when they got together told like endless Irish jokes. Reagan. Awesome in his diary records, a surprise birthday cake that O'neil and house majority. Jim right deliver to him. So you have this this mix this thing going on huge public fighting, but in the private still in touch with one another in intimate settings. Not you know, these big White House visits that don't mean anything then on March thirtieth nineteen Eighty-one at two thirty in the afternoon after a lunch given by the national conference on the building and construction trades. John Hinkley took six shots at Reagan with a twenty two pistol only one bullet hit hit President Reagan and didn't hit him directly at ricocheted off a car, but it hit his lung. And it was that that led to the scene that opened our whistle-stop. It was Jim Baker. The chief of staff decision to have O'neil be the first public official to visit the president in the hospital room in. Order to is Chris Matthews puts it to honor the American political system. Again, that's a norm that the the idea of constantly tending to the norms of bipartisanship, the norms of cooperation the norms of a political system that exists outside of the cut and thrust between left and right. That is thick throughout this history of these two men all three of those things either don't exist or in a highly. We can state at the moment. Now this moment also created a lot of sympathy for the president and gave the president a greater hand in budget negotiations. And so in the end Reagan in cooperation with conservative Democrats completely overwhelmed O'Neill's efforts to pass a budget that was more friendly his rank and file years later O'Neill's right hand, man. Jim, right. Congressman from Texas admitted quote tip. An I got rolled we said, let's treat him. Well, let's try to deal with him as Rayburn and Johnson were to Eisenhower. Let's show him around and help him. Learn the ropes, you know, we were going to be father advisors and all that smart stuff. Little did. We know that son of a bitch rolled us. God did Reagan ever. If you quote me, I didn't say son of a bitch. I said that charming old thespian rolled us. But God did he ever? Here's how time wrote about this big first budget fight the big first test of these two massive ideological forces clashing against each other. As feral writes about it. It's the hot lava. Hitting the foaming see here's how time wrote about the president's victory in the budget fight Ronald Reagan's velvet steamroller smashed through the democratic house of representatives last week flattening opposition to his radical plan to curtail federal spending as a result. He is even more controversial tax cut proposals. Stand a good chance of gaining final congressional approval this summer the president's victory in the house budget fight was decisive not a single Republican deserted his party, while sixty three Democrats abandoned, there's that gave Reagan a seventy seven vote margin in the two hundred and fifty three to one hundred seventy six roll called on which Reagan endorsed budget proposal replaced a more moderate cutback recommended by the house budget committee after the success of Reagan's first budget O'Neill was in trouble. He was seen as weak and rudderless. There was speculation. He might not even keep the speaker's job. A may nineteen Eighty-one time magazine story carried this title tip O'Neill. Him on the ropes and independent Mayes really the low point of the media's opposition to O'neil and support for the president. And I should note here that a good chunks of this account. And even though I didn't go into all the detail about the budget fight. My understanding rather in depth about the specific budget fight come from Carl Gerard Brandt's book, Ronald Reagan, and the House Democrats, gridlock partisanship and the fiscal crisis. That's that's kind of the third or fourth. I guess if you include the diaries main book here in addition to all the newspaper articles and clippings on this. That's that's a part of this narrative, a quote by Wisconsin democrat, les, Aspen opened the time magazine piece in this is the quote tip O'Neill is a good friend of mine, he garnered a reputation as one of the strongest speakers in our history. But now, I regret to say tip is reeling on the ropes. He's in a fog. He's not part of what is happening and. Has no idea of where to go that was a letter from Aspen to his constituents which meant then that the energy of politics is now working against O'Neal. It was now necessary for some Democrats or they felt it was necessary. Anyway, due to run against the speaker in order to protect themselves. The the peace continued the time magazine piece continued at that moment, it was clear that the nation's most powerful democrat had been badly, perhaps even fatally wounded it was obvious that he still had an emotional hold on the house, but the whole is loosening now, and it looks very much as if the job tip O'Neill has worked a lifetime for is offering challenges. He cannot meet Neal was Lum backed by the way, this is back win. Time magazine was time magazine to win time magazine said something there wasn't. There was no internet. This was the equivalent of a week's worth of the New York Times it drove the Sunday show coverage. Drove the producers on the televisions drove the political conversation. So getting a bad story in time magazine meant something. O'neill himself was pretty glum asked by constituent at home around this time how things were going. He replied, I'm getting the shit wailed out of me. Here's how Chris Matthews puts this period. Suddenly to bonemeal the veteran liberal found himself in a position like that of Ronald Reagan back in the nineteen sixties when his own party had little interest in hearing what he had to say so O'Neill went on the offensive as a guest on ABC's issues in answers on June seventh. Remember the budget passes in about in may O'neil denounced the Reagan tax cuts as quote, a windfall for the rich. I'm opposed to the Reagan tax Bill. He said because it's geared for the wealthy of the nation instead of being spread out among the working class of America in the poor people, the president truly in my opinion, doesn't understand the working class middle America. What it's all about what they go through. Because of the fact he doesn't associate himself. Those types of people. He has no concern. No regard, no care for the little man of America. Just a brief little aside the little man the forgotten, man. Very much in the center of this debate here. The Reagan Democrats were working class Democrats that are going to Reagan left. The Republican party talked about in not terribly dissimilar ways from those Democrats who left the party and voted for President Trump, President Trump talks about the forgotten man. Democrats many of them believe that there are policy prescriptions that they should talk about which would help them with the forgotten man. Okay. So Reagan, here's this and boom he responds in a press conference. I grew up in poverty, and I got what education I got all by myself. And I think it's sheer demagoguery to pretend that this economic program is not aimed at helping the great cross section of people in this country that has been burdened for too long by big government and high taxes. Sheer demagoguery. What does it sound like to you? In today's ears in today's politics. If someone if the president said, the word sheer demagoguery AMI how big a deal with that pay relative to the nature of the things the president said, okay? How would you fix that in your mind? All right. Here's Chris Matthews writing about this political a moment and the norms that existed at the time. Chris Matthews writes, this Reagan's phrase was nothing less than a shocking insult. The speaker of the house stands second after the vice president in the line of presidential succession and to him Reagan. Slur was an attack not only on him tip O'Neill, but on the historic dignity of the office. He now held. So O'neil does something need as much do because you know, one of the subtexts here. We'll get into this in the next part. But one of the subjects here is you have this amazingly telegenic actor on one end of the stage here, and then you have tip O'Neill whose kind of you know, he's award politician. He's not a TV guy. Well, this moment he goes up to the radio and television gallery. That's in the house goes in front of the cameras and says, I would never accuse a president who every was of being a demagogue. I have too much respect for the president for the institution. And I assume in the future he would have the same respect for the speakership. What is this a fight about? It is a fight about norms. It is a fight about what people might dismiss as simple propriety eats a big deal. It's a big deal. They get into a big fight about this and think about that way that exists today. Okay. So now, you have a big big fight of the fact that President Reagan has used the term sheer demagoguery, and by the way, he's responding to an attack from O'neil that says. Is basically doesn't care about poor people. So I bring you now a UPI story from Tuesday. The sixteenth of nineteen Eighty-one on Tuesday. President Reagan and house speaker Thomas tip O'Neill exchanged bitter words over taxes and budget matters today. Reagan telephoned O'neil and said he still wants to be friends. I had a very interesting phone call from the president O'Neill told reporters this morning without discussing the details. O'neil said the talk was exceptionally friendly and a news conference Tuesday. Reagan labeled sheer demagoguery a statement by the Massachusetts Democrat that the president's economic program in ignores the needs of working people O'neil then declared that Reagan's honeymoon with congress was over. That's another thing O'Neill had actually said in the radio and television gallery, but today, the two old pals had a nice talk I told him. There was no way I would ever insult the office of the presidency or make any verbal attack on him or his family O'neil declared summing up the telephone call by saying politics is politics. We. You may disagree during the day. But come six PM, we become friends. Well, now, there's an interesting idea. First of all, we should note that what O'neil successfully did was first class unbridged taking right? He took offence at something. The president said, so that's you know, that's a tactic. That's a strategy. It's not this is not without the thick washer politics all over it. But to even take on bridge there has to be a bridge to be taken. Reagan found the issue worrisome enough, the issue of propriety what you say about your political opponent, the institutions of the American system that would be bruised in the result. He found it worrisome enough to place that phone call to O'neil here, we see a norm con inside which both of them are operating. You would just not see that today years later in an interview with Bill Buckley Reagan reflected on his relationship with tip. And this line politics is politics. One day. I picked up the paper and rid where he had. Made a statement about me that was. Pretty harsh and I called him. And I said tip. I thought we had a relationship here where we could do business together on. Now, I read in the paper that you said any interrupted me and said, well, buddy, that's just politics. He said after six o'clock, we're buddies we're friends with tip. I did take it that every once in a while when we had a meeting I would visibly set my watch above six o'clock, one of the things we're trying to figure out here in this episode. And the next one is whether any of this could happen again. Well, aren't Boll weevil Democrats, and there aren't party switching Republicans. Really? So that's one thing that doesn't exist. But they're also isn't to other things that exist in this phone call between Reagan and O'neil the first is Reagan's picking up the phone and calling. But that's, but that's really only part of it. That's kind of the end of the stage because it starts before that phone call Reagan and O'Neal had a relationship that started before that the. Limit it dinner the birthday cake, the Irish stories all this stuff. We read about in Reagan's diary. There was something that United the two men more than than that divided them. That was a sense of common humanity. Fellow-feeling trust patriotism. They were huge ideologues. They believed totally opposite things they fought like hell in public. But they had that was not the complete definition of their lives. The the fact that they had this personal connection was a pre existing foundation that allowed Reagan to make the phone call and have it be more than a pro forma or useless phone call. That's why these just add water calls to replicate the O'neil. And Reagan thing are off the Mark it's not the picking up the phone that makes the difference. It's all the stuff that came before and the political environment that allowed a speaker to go to the White House for dinners and social functions and not be seen as a pitcher later or someone who cared more about bobbing in the White House pool over the cares of his constituents humanity was allowed in his fear outside politics in that set the conditions for the call, and it's what Neal was referring to when he suggested there were two spheres, the political sphere. And the personal sphere? This is from tip O'Neill, son. What both men deplored more than each other's political philosophy was stalemate and a country that was so polarized by by ideology and party politics that it could not move forward. There were tough words and important disagreements yet a stronger commitment to getting things done. So that's what brought the two men back on the beam. But while O'Neal did believe Reagan deserve to have his program voted on. He didn't stop supporting his party, orients ideas. He just believed as Farrell rights amount that Reagan would ultimately overreach, and that would help Democrats politically. And that's what would ultimately happen. And at the center of it was that FDR program that was at the center of that liberal view, the American government social security, and that will be the center of our next tale about the relationship between tip and the gipper. That's it for this edition of whistle-stop. We'd love to hear rejecting leave us a review in the store that helps us spread the word. And the things you say on social media really do give us a boost the Rozina center. Cheeks are producers Jocelyn Frank. The managing producers podcast is June. Thomas are whistle-stop crackerjack researcher is Brian Rosen. Wall is one of the editors in chief of made by history of Washington Post history section and man, he kept the Google doc folders full on this one what a delight and Elizabeth Hinson was there every step of the way. Chasing down all the obscure requests, making sure that I stayed on the beam a constant source of assistance, and thanks also to Alan Pang and all the good folks at CBS radio who helped make this episode happen on CBS. Thanks for listening. We'll be back with another episode of in the gipper for now. I'm John Dickerson. CBS this morning. We'll talk to you soon.

Bill Buckley Reagan tip O'Neill Reagan O'neil President Democrats Reagan O'Neal president Reagan Neil John Farrell Democratic Party President Reagan Neil Reagan Republican party congress Thomas tip O'Neill Chris Matthews Boll weevil Democrats
Ep 141: Accelerated - Robert O'Neill walks through the day he killed Osama Bin Laden

Opie Radio

26:32 min | 2 years ago

Ep 141: Accelerated - Robert O'Neill walks through the day he killed Osama Bin Laden

"An incredible plane crash into the World Trade Center here at the lower tip of Manhattan. This is a special encore presentation of OPIE Radio Jio with American Hero and Navy Seal Robert O'Neill. It's seven thirty seven is crashed into this speculation at this point but at least three floors taken out this edited version has been then released in memory of those we've lost on nine eleven and to all of our first responders and military personnel who service with their most precious gift playing very low and everyone said wow that plane is very very low. I was walking to work and all of a sudden I see a jet ranch in the first hour and then we heard the crash we ran. He's went into those treatments manner we shrapnel fall and and then we get out to one another plane just hit my God and I looked around thinking that it had the helicopter and I looked up the second way in the world and I want all of us tonight I can report report to the American people and to the world the United States has conducted an operation that killed Osama bin Laden the leader of Al Qaeda a terrorist terrorist who's responsible for the murder of thousands of innocent men women and children and because the extraordinary bravery of the men and women who where this nation's uniform and the outstanding work of our intelligence agencies Osama bill nod. We'll never again threaten the United States now. Here's your host Greg Greg us so before you go on the mission couple things. I've found fascinating when I talked to last time was the fact that you were convinced. You aren't going to survive survive it which I had. I had the last meal right. My kids that they didn't know was the last meal one of my daughters were so young I actually she took her to chick-fil-a right and she met a girl her age and they went playing in the ball pit and that little girls with her grandmother and I sat there talking to a grandmother thinking this woman. It has no idea who she's talking to. I'm going to die trying to kill bin Laden tonight. How do you wrap your head around that nine eleven the conversation that we had because we talked about this like if we know we're GonNa die I mean why are we going right the best way to put it in perspective. Is We're not going for fame. We're going for the single mom who dropped her the kids off at elementary school on a beautiful Tuesday morning and forty five minutes later. She jumped death out of a skyscraper because that believe it or not it was a better alternative than what's going on inside at twenty five hundred degrees Fahrenheit Fahrenheit and the last thing she did her last gesture of human decency was to hold her skirt down some of your underwear as she committed suicide and she was not supposed to she didn't WanNa do any of that and she's not supposed to fight. We're here to fight. That's where we talked about this. I get all that obviously but now as a father now you're gonNA leave your kids without a father now so I I wrap your head around and I ask the question again. I wrote a letter to all and just explained like the one daughter that's always in the story was seven when we went after she was one when we rescued the lone survivor she was four when we rescued. Captain Richard Phillips now she's seven now but I didn't write a letter to the several I wrote a letter to the twenty seven year old woman explaining planning how I'm sorry I missed her wedding and I know she was beautiful and thanks for taking care of your sisters and what we did was noble and here's why I mean one of my regrets in life as soon as I got back shredded a letter because he wrote. You can't even give it to your best friend because he's going to die too right. You got to find someone you trust. That doesn't know what you're doing with instructions on what to do. If if you see me tomorrow Morrogh give him back. What if you don't do this. Why did you share the letter. I don't know I just didn't WanNA. Read them again. I don't WanNa relive that and I wish I would have kept him now. Well no I understand in a way because that's that's pretty heavy and you want in the moment because at the moment the day we got back is the best day of our lives and we are going to be best friends forever. There's GonNa be no controversy right. We're all friends but you could have pulled that letter out when your kids are misbehaving serious listen. Here's some tissues. Stay the sacrifice. I was going to do for our country to your homework. I mean it was a very emotional time and I even bought going away presence that they get they got. They don't know why they got them where they. I don't even remember but I bought myself product sunglasses because I I saw them a nice. I thought that I couldn't I. I can't afford them on their two hundred forty bucks but I'm going to be dead next week. I've got an American Americans press carpet and I actually brought them with me on the carried in my pocket wow because what if we do live through the night and have to steal a car and drive four hours to Islamabad where we have embassies if it comes to that two sons going to be up and I'm going to need sunglasses and I'm wearing product. I guaranteed guaranteed the right back. You put those sunglasses on safe place and what was the probability that you guys were not. GonNa make it. I thought I thought I thought one hundred percent we were going to kill him but I thought about ninety five percent. We're going to die ninety five percent that the house is going to blow up and we at the last set of stairs. I had one guy in front of me and I actually he jumped on people. He thought were suicide. Bomb Yeah and I turned to the right and there's bin Laden and when I when I wanted to stairs I didn't it. It's not like hey brave navy seal movie it was. I'm tired of thinking about it. Let's get it over with. Let's get this explosion over when you lock it did on my tips is with him for the first thing you want to jump right to that. There's so much other stuff God. I'm just kind of these other guys understand. How do you grow to time spent listening with these podcasts. You don't give away the money shot for ten minutes into the amazing what you just said you know one of your fellow comrades jumps on these suicide potential suicide bombers to protect you tip sit down and I am like sit down way more so it wasn't to protect me it was it was the blast of the guy behind him to get a shot at Bin Laden. He didn't even know it was Komo News. One of those guys yeah we can tell also yeah so yeah it's fine. I like to jumping around actually so yeah you're right the letters and now it's go time and yeah yeah was neat because we went over to we've. We've pre staged. We went to Afghanistan Jalalabad airfield whether it was already a seal team from our same seal team and they were the ultimate professional professional. Could you imagine being over there deployed and they bring another team in to do the job that you should be doing that happened at a rescuing us really cool anyone on the stealthily cops they run the other ones so liked if they're going to get checked out but we got there and we're we're a couple days early. We hadn't been given the green light yeah. There was still a few options but we wanted to be as close to Pakistan's sounds we could in case it said go now how many hours that by helicopter at this point from Jalalabad to his house was ninety minutes ninety minutes so it's interesting because we all accept that something bad could happen catastrophic like desert one when they when they lost so many trying to rescue Iranian hostages so it was interesting. 'cause we played poker would work out. I remember watching the draft the NFL draft and I'm a Redskins Fan I'm thinking I I wonder if they're gonNA take a right tackle or the left. They're going to ally and I remember thinking wasn't matter now. I'm going to be a couple of days so you're sitting there. Just okay with the fact that you're most likely going to done okay with it. It was almost like what if they do a missile strike I mean I want to go on the mission but may live right and you kind of torn between that but then you gotta go because if I what if we don't go I mean imagine being seventy years old thinking gee. We had a chance to get them on because we hit him with a missile they're never going to be. He's dead yeah. He's a new problem because then people like no he didn't conspiracy theories would start up to dialysis thing that was yeah. He wasn't sick yeah. We made it up so we know people relying right when they say hey we found bin. Laden I saw him. We saw the dialysis. When like isn't that great. Hey by the way I do want to jump in and say that's why about all military guys because I can't. I still can't wrap my head around thinking that way and it takes and with us where we worked as a tier. You're one seal team. We're we didn't have the most dangerous job think about the marines that are out there walking through minefields right and they and they get hit right and watch your buddies get blown and a half and the soldiers and sailors airman. There's people out there with the way more Dr Driving Route Irish in Baghdad. Yeah like there's some we gotta find a night on our terms we could see in the enemy can't so I mean obviously the bin. Laden mission accepting death but it was not like we were There are guys out there. They don't get the credit so weird so you're ninety minutes away. Did you throw on a party tapers up to the people. That's a common question. I forgot about that. Don't you want to tell them about how you picked up your first podcasting uh-huh yeah. I gotta I gotTa ask what the last song I listen to it was it was red nation by Lil Wayne and the game oh no kidding and TMZ he asked me that once and I told them and then even like someone like the game tweeted advocate thanking yes sounds like a kick ass song about you know killing Satan and blood in the blood on the ground right cool and Soza game. What do you got Mike on the plane going there. You were seeing the same thing over and over again well. I was counting we were talking earlier about if something could happen but you worrying about it's not going to affect it. There's stop worrying about it and one of my favorite life advice is get over it. Just get over it yeah so stop thinking about so guys did that and it was interesting. There were guys asleep on the right to Osama uh-huh. How how awesome is that? That is amazing yeah. I I was counting rights counting just zero to one thousand thousand zero a long time ago in in Kosovo. They set us senate snipe snipers more armed observers atrocities are happening so you're up there pretty serious mountain vegetation but to sit there and stare through spotting scope four hours on four hours off. You just just get you'll lose your mind so you count. Just keep reminding working. It's so that's what I was doing but Mike was saying. I am as Hollywood as it sounds. I have the tattooed approve it as soon as somehow somehow eighty minutes into the flight when back to the South I was like five fifty six fifty seven freedom itself was attacked this morning by faceless coward and Freedom will be defended that go to hell and I it was Bush kept saying that over and over and then I sort of stopped. I'm like I'm on this mission. The door opens and you're looking at a city city. It's a resort town in Pakistan. You know there's a golf course right over there and they don't overcome it and that's it the counting and reciting that quote. That's that's very meditative. After you meditate non would then I would on just even counting sort of clear the clear the head and get you focus back and then the sleeping thing. Do you know what it takes to get me to sleep. A good night and these guys are snoozing on the way to kill Osama bin Laden. That's a real man yeah so now you're you're you see the compound and you're getting close well yeah and then we didn't know the. Damn helicopter crash the other one. What what what they said was. They don't tell you this well. There's a little bit of chaos involved and we're not talking a lot but what they said. They told us because they were dashed one. We were dashed to simple sounds they. It was dash one. We thought we heard was DASHON. Going around dash one going around meaning they just took fire and they're going to racetrack but what they were saying was dash down dash one going down and that's when crash so our pilot we were going to drop snipers and the dog and an interpreter outside then we're. GonNa fly my team to the roof of the Mons House. The plan was I get on the roof jumped onto the third deck gunfire through the glass. That's him because the woman that found him told us that's where he would be and she turned out to be one hundred percent right on everything. She told us all she knew to the minute that he was still going to be there by the time she was getting frustrated because the day we met her. She's like one hundred percent third-floor this building. Why aren't we going now. Wow why are we here and I and you and they knew that he was leaving to know if she thought he was leaving a few months but I mean I. I doing daily stuffed. No he doesn't leave the house so he barely left that. Ruben walk around the he would leave a stairwell. I guess that he would take downstairs and he would they saw a guy that they named him the Pacer and that's how she knew it was him because taller dude wearing different clothes and he's walking around the same spot never leaving the house and anytime anyone was doing any manual labor with the animals or planting anything he would stop and say hello but he never helped so. He's he's a shake. What did she get for for the Intel. She didn't even get a how does she afterwards. What did she get afterwards. Sr later here in New York and she said I didn't get a parking spot. She's the one that knew it right. Nobody believed her and soon as we get them. Everybody wants an award. She military knocked. She was one of the three letter agencies right. She got nothing a bonus anything. I don't think so trip to Cancun something. You think you'd give her something. She was awesome. Those the the the depiction of that woman zero dark thirty is really this job with her very cool and she's a bats so now your helicopter lands so we will yeah we're. GonNa go to the roof but the the the helicopter lifted up and went back down so Atlanta's right back where slammed the other guys because that pilot saw the other pilot crash exactly if he can't hover there. I'm not going to try to hover above the house. I don't want to crash to put us down and you guys were prepared for the I remember thinking I remember just one of those snapshots in life where my right foot hits the ground and I said I guess we're just going to start the war from here brickell and up till the one we'll bring some humor into it till the one funny thing that one of the Navy seals set said guys we have to be careful when we got into the House so we tried to blow up the we knew there was a a double hinged door off to our left facing as the compass the northeast side of the compound so we went put a a huge seven foot charges see six. This is a monster and it blew the door open but there's a brick wall behind it so the bridge it back just just kind of kind of going through muscle memory. You say okay failed breach meeting. We didn't get any goes. He was this bad man. I remember saying this is good. That's a fake door. He's in there. No one puts a fake door under house right so we go now. We thought the other helicopter. I'm getting to that point Mike. We thought that the other helicopter was still flying so we told them fail fail breach northeast corner now. We're going to blow the carport meaning. That's the one we have seen open the cargo in and out and they said no no don't blow it. We'll just open it and then the door opens and a thumbs comes out so we're looking at the thumb and then another situation in life where it doesn't matter how we got here. I don't need to know how we're just here. We'll talk about it later. I didn't know how guys got dinner and so we finally get another gunfire going off. At this point they killed abroad and the guest house. One of my guys just shot to the people bottom. That's when I got in there so now there's women and children kind and moving around and a long hallway and you don't WanNa stand in a hallway 'cause guy bad guys will put a gun on a whole bunch of spray so I actually saw another navy seals grabbing children we're obviously startled and putting them with women like so they don't need to be they can be with as little amount of fear as possible which al-Qaeda would not do that to argue and of course the good guys right back into the room and I remember looking up for explosives because they'll go hanging from the ceiling and that's what's going to take the whole house on top you and kill you. Don't I don't see that I'm watching my guys work. They're just working and I remember being so proud of how cool these guys are because I have a front row seat to the best mission in modern history. I'm watching my guys because I got nothing to do so I'm standing there and that's when one of my guys said helicopter crashed. He whispered helicopter helicopter crash now. I'm thinking like like I mentioned those other seals that were on the chinooks big ones forty five minutes behind us. I'm thinking they got spotted and they got shot down. We just lost sixty guys and I go oh my God what what helicopter crash and he goes SPRO. Our helicopter crashed in the front yard. You walked right past. It just didn't register now at this point. Though the timing was important the timing was impeccable at this point one of our snipers who had the dog and the dog handler they were running around the entire perimeter to make sure no one escape through whatever ever kind of escape tunnel yeah and that's what he saw the the tail of the helicopter over the famous part where eventually fell down and he I came over the radio and said all right guys be on alert. They are definitely ready for us. They have a training mockup of our super secret helicopter in the front yard and that's where his minded because he was on my helicopter and then here the boss frustrated he goes no you Jack Ass. That's ours we crashed and then the snipers back with yeah that that makes a lot more sense carry on and I'm talking about. We gotta go get him. On this turns. These are the conversations that are being as we're trying to get up. It's turning into an SNL skit. decided it s one question these guys that have the dogs you know and you get so attached to that animal and animal animal equal as part of a pack. So how then do you leave the service and leave the dog behind. They take the dog with them. They do yeah they were talking about this Cairo Cairo he he had been shot with an AK47 and chest twice before this mission and lift when we heard we have we would say as an eagle. WFAN wounded naturally callers eagles. He W we're trying to answer a call sign so we know who we never say a name and they said well. It's canine so the Cairo well dog get get shot and the dog dies. It's a little I mean compared to human. Ak47 they don't have body armor and Cairo lift and then he went on the bin. Laden Raid Wow he Cairo has two silver stars. I I have two silver. Stars just still alive No Cairo did die just old but he was. He was funny too because there's so much bowl to came out of his mission. One of the MRS was we had like this twenty thousand dollar titanium teeth that we put in Cairo's mouth not the case. Cairo had one tooth because he had gum disease. He just was there for his nose so so this is something today. have one of those funerals where everyone's trying. I don't know what they did with Cairo. He was he was retired and some of those some of those police dogs when they die in the funerals and everybody's Ryan China will just bring it to your well the guy that can handle them. He retired with them and live with him and he he said he was he had put him down and he said he was holding Cairo's hand. As is he died in which is just an I hope book about history. We're we're trying to get his the vast at Cairo war in Bin Laden on Andrei to the memorial right down the street all right so now. We're in the house yeah now. We're in the guys are working and I'm just Joan. I'm not that I know that. No one got her. Are you start to think I don't have anything else to do. Well Yeah Yeah. I'm like this house is GonNa be looking ahead of me yeah. I'm not endanger this this. This is secure I got. I got to wait for them to to reach that door. The hallways barricaded. That's obviously where the stairwells I'm not missing and then they breach it it opens and then they start moving up when I leave my thing and go behind him and I'm like eight guys back so there's seven seals or so in front of me and the woman that found bin. Laden said I don't know what the House looks like on the inside but there will be a stairwell and and when you get to that stairwell you're going to run into Khalid bin Laden Osama bin last year old son he will be armed and here's this woman what she said that's his last line of defense. You take care of him. You can get a shot at the big guy well. That's cool so we got to the stairwell. How does she know that I don't know. How does she know that that she knew somehow through intercepted phone calls Cleveland on the second floor? He's going to hear the commotion downstairs. He'll be waiting stairwell with the AK47. Wow so she's I mean just an analyst very very smart woman woman so we start going up the stairs. He wasn't he jump behind a banister and he was armed and I'm watching and I'm looking upstairs with you. Know six seven guys in front yeah and at this point. I've been in urban environments and gunfights you WanNa. Take as many guys. You can't away from that situation. Let the first two or three handle because if you chuck a grenade just goes downhill and but probably going to die anyway and this is GonNa be awesome. I got to see how this goes. I don't have a shot but I'm gonNA. Watch does pin the corner quickly. Try to get a shadow to grab them trying to beat them. and it was dark and it was quite and here's how good of an operator he was. He just whispered cleaning Khalid Delta Russia to come here or something like come here in two different languages he knew Khalid spoke and he said his name twice and that confused Khalid so he leaned his head over the bastards at what is it. That's the coolest thing so now. There's no one in the way now now. We don't know we just think they're suicide bombers. Maybe okay so we get through that we get to the second floor and then in that's when everyone other than the guy in front peeled off because you wanna clear the areas open spaces close basis unknowns before you go up so oh but I'm the last guy so I can't leave the point alone so I put my hand on his shoulder so I'm he's GonNa look forward and up. He's looking up stairs. Curtain the curtains at the end of the stairwell. I'm waiting for more guys. Once I get more guys. I know that this areas cleared. We can go up but he started seeing people moving. He assumed they're putting on vests so he's hit the way his my sort of working as we can beat them to it. If we go now we gotta go now. He started talking and you never talk. We don't talk to each other. He's like we gotta go. He knows he's got a guy but we go and that's what I thought to myself well. Let's get it over with. I gave them a squeeze. I wanted more guys but we just had we were so thin so I- squeezed him he the stairs push the curtain and tackle the tackle the turn out to be women like we were talking about earlier to absorb the blast with the guy behind. We talked about it later and he said that guy. I tackled the women just assuming they were going to sue me. They're going to blow up if you could get change the angle of the blasts because they're shooting. BBC's yeah maybe the guy behind him will live and get the shot. He's GonNa the dust and that's what he did. I mean this. This story will be told this guy should get a medal of honor at some point and robbed. The one thing that you said to me that really resonated with me was when you said you didn't care about your life at that that point but once he said Khalid Khalid and actually killed him. You said this story needs to be told he just might have changed history of Khalil's. Everybody movie movie sprays. Everybody got. You're getting them right. Pakistanis get so yes so he did that and then he did that which this like my Brits Dolinsky was awarded the Medal of Honor for sixteen years ago offer Roberts rich this guy I mean he's one of those just poster child navy seal. That won't come out until the story but he should in some way. Get the Melania from that move so that than just again it wasn't me being brave it simply because he went that way my tactics dictate. I go this way. I turn that way. There's been Samna and he's got his hands on his wife's shoulders and he's sort of pushing her forward and then just the way that my escalation escalation of force went is taller than I thought skinnier than I thought that's a shorter grey beard. That's his nose. That's bin Laden. He's not surrendering. He's a threat I need to treat him as a suicide bomber summer which means if I think suicide bomber you basically have less than a second to convince me not to kill you and and people got criticism for we shot him in the face. What about recognition if if anyone criticizes that they've never dealt with the suicide bomber I have you shoot them in the face because I've seen I've seen bombers go off and it is very very loud and scary and permanent and you I get criticized for this. It just amazes me shot him in the face. What would you do hero even even with the Brits Levinsky thing you should read some of the medal of honor and all they're talking about us hate because he he left the mountain it's like have you ever been shot up by nineteen machine at ten feet once at night when you're sitting there looking at straighten the I was there a second there where you just like holy no came after because when I saw him like looking back on it should I should've said where you bin Laden. They tried to meet little. I asked you last time a year ago when we talked. Did you see fear in Osama Osama bin Laden. You did as a human being a human to human you went wow that's fear right there yeah and then they actually played us the one time the agency he played us the phone call that the brothers made each other as the guys were coming in to get them and they were speaking Arabic. Obviously I have never heard fear a grown man with a high pitched voice like that but just hearing the screaming and then here guys gunshots and then a silent socal so shoot him and his wife is still there so I have to move her. She's not a threat now. You can tell you can l. so I moved her to the bed. Kill them at the foot of the bed at the pictures on the Internet. You could see where his head is like with the non a threat thing. I was married yeah right so we but so what pictures out there of where bin Laden's bloodiest. Oh Yeah I thought you meant Khalid to his actual pictures pretty graphic right but then I saw his two year old son standing there and I'm a father other and I look at this kid. This poor kid has nothing to do with this and he shouldn't have seen and one of those so the emotions are all over the place then I sent him down. I don't want him to be afraid and then then other seals are coming in the room and that's when it starts to sink in and then a guy came up to one of my one of the operators and he just looked at me and kind of kind of depicted this part in the movies or thirty. They didn't do it right but he looked at me and he goes. Are you good and I said No. What are we supposed to do now and he smiled. Now we find the computers. We do this every night for years and yeah. That's what we do right. I'm back and he goes yeah you just you just killed on the Amanullah Osama bin Laden's dead but you're still gonNa be thinking that we could still be losing her life. That's next emotion comes in because he like hold. This is great. We we did exactly what we're supposed to do but there's no guarantee we're we're gonNA. We're GONNA BE SAFE now. It's like let's get this done as quickly as we can and we might live proper. O.`Neil Pleasure bowed you about all the military guys thank you for listening to this encore presentation of opie radio to hear it in its entirety entirety. Please download episode eleven the man who killed Osama bin Laden and once again prayers to the victims and families of this tragic event. We will never forget you.

bin Laden Khalid Khalid Cairo Osama bill Laden Pakistan Mike United States World Trade Center Komo News Greg Greg Robert O'Neill Captain Richard Phillips Morrogh Islamabad Baghdad
Joseph O'Neill Reads Nadine Gordimer

The New Yorker: Fiction

50:16 min | 2 years ago

Joseph O'Neill Reads Nadine Gordimer

"WNYC studios is supported by extra hop the enterprise, cyber analytics company, delivering security and performance from the inside out extra hop rise. Above the noise. Learn more at extra hop dot com. This New Yorker podcast is supported by indeed dot com. Are you hiring with indeed you can post a job in minutes set up screener questions than zero in on your shortlist of qualified candidates using an online dashboard get started today at indeed dot com slash New Yorker. That's indeed dot com slash New Yorker. This is the New Yorker fiction podcast from the New Yorker magazine. I'm Deborah tradesman fiction editor at the New Yorker each month. We invite a writer to choose a story from the magazine's archives to read and discuss this month. We're going to hear the pet by Nadine Gordimer, which was published in the New Yorker in March of nineteen sixty two Erica Morgan. She sometimes had educated Africans to lunch told him that he could sit in the living room and listen to the radio if he liked, but he never did the story was chosen by Joseph O'Neill, who's the author of four novels including the dog and Netherland which won the two thousand nine pen Faulkner award for fiction. I Joe Debrah. So what do you to needing Gordon, Murph? How did you first come across this story? I've actually been familiar with this story for a while because I teach up about college, and one of the courses I was teaching was a course on political fiction. And I looked at the story, and I sold it. It was quite interesting on that front in that particular framework. We did we did look at the politics, and we go to the historical context, which is a pot. I South Africa and a context, which is now a sort of mythic context for students at college these days, but which was when I was act at their age, very important. I mean in the in the eighties. You know, there was a lot of activism surrounding apartheid international activism and the movement to free Nelson Mandela was was sort of important part of a skull of in a student experience in those days. And so I suppose from the personal point of view really story reminded me of that era. Right. And the story is about a white couple who employ a black servant who's actually not from South Africa. But from Naslund, which is three thousand miles away that setup has some inherent political content. Do you think of the story as being explicitly political? I mean, when I when I read for politics, I I'm not really reading for in explicit for clinicians. I'm reading for a number of things the chief of which is the role of the state where is the state in the story. And it's it's it's very interesting because as you say protagonist gradual is from Nyasaland, which is now Malawi. And in fact, the story takes place. And there's a reference to it during the years in which Malloy was achieving its independence and he's even lower. If I can put it that way than the South African blacks because he's undocumented. And so he's a stateless person in a way, and sort of joys none of the benefits that, you know, supposedly attached citizenship, even the unjust citizenship. The term was offered to so Africans who are black and coloured to use their terminology in Indian the apartheid times. And the story was published in in nineteen sixty two as you say it. It's the story of an illegal immigrant in working conditions that he's afraid to lose by by going home or by even leaving the house. He works in. Do you feel or did you students feel that this has resonance? Now, this is sort of that Kristich served. I mentioned to the story, which I suppose we could talk about which is the, you know, there's a the younger generation now is people in that twenty s suppose have a political framework which isn't same as mine. And and of course, all the the question of immigration is who sleep, you know, an important one which I think concerns everybody of all ages. I do feel it this sort of Frank treatment of racial difference that you see in the story is something that might have given some of them pause to me because the story. Does what you know good political fiction is supposed to do which is it complicates the readers relationship with his or her own society and power. In other words, you sort of the more you look at the story. The more uncomfortable, potentially you can become and this hope I'm using the word you, and it's a very important use of it early in the story because I suppose the question one of the questions to be asked is who's the story being written four where does the reader stand in relation to this? Is there is there a way in which the reader is as it were dragged specially the white reader, but in any case, even even the black reader in America, this time would have felt this is there a way in which the white reader is implicated in in the story. Is this society sinful story in some ways? And and for me, I think that's the sort of has worthy sort of this wonderful power of the story situated, and it's interesting to think about whether the white author is implicating herself or maintaining a certain distance from what she's observing. Yes. And I was coming here. I did wonder about the story not even the point of view of whether it would be straightforward to write about these this situation. Now is it might have been then and and whether or not the reception of the story it would be with the same. Now, as it was then I suppose we'll find out when we look at it since the stories been published has been much more emphasis placed on interrogating, the situation of the white writer in relation to the black subject, and it's not necessarily interrogation. I would be conducting myself. Great so fanaticism. But it's there as I say this one of the great one of the fun of reading the story, which comes from straight out of this apartheid world is his his his just think about how how you look at it now. And also how it was looked at then I mean, it is important to remember that several of Gordon's books were banned by the South African apartheid government. Yes. It's worth we can close with emphasizing. Golden was a real bottlers apartheid. She was absolute. She was a member of the ANC at a time when that was legal. She was a very close ally of Nelson Mandela, she shoot of Sumed many postures, which which were risky personally risky to her. And as you said, she was censored from for much of her life in South Africa. So she's she's on. She's on the side of the angels, historically, speaking, I suppose, what I'm suggesting isn't that you know, there's something sort of superior or questionable quarter far from it. It's just that. It's just that the very notion of the angel is now in question in ways, which I suppose are unavoidable. Well, we'll talk some more after the story. And now, here's Joseph O'Neill reading the pet by needing Gordon. Moore. The pet. Gregoire worked for some people called Morgan. The house in Johannesburg was a small house with a large garden, three cypresses and a splendid view. The plates were always hot and the ice was plentiful the sheets smelled of sun. And the fires burned brilliantly on any day of near that Eric Morgan felt like having one lit. The Morgans had no children and were happier and more prosperous than many of their friends who did have them, which somehow did not seem to this friends entirely fair still there. It was the Morgan's went to Europe every two years bought books and records and even an occasional picture and live with their dogs in that delightful. Little house attended by excellent servants. Great. Well, vacuum cleaned the carpets polished, the silver, and shined reg Morgan's shoes and changed into a white drill. Suit twice a day to serve lunch and dinner. He was a Niassa with a face so black that the blackness was an inverted dazzle. You couldn't see what he was thinking. He was deft and quiet about the dining room and on those nights on which the Morgan's went out. He sat up with the dogs to keep watch over the house. Eric Morgan, she sometimes had educated Africans to lunch told him that he could sit in the living room and listen to the radio if he liked, but he never did. He sat in the kitchen at the table and wrote to his wife, the two dogs pretty Scottish terriers with talk callers snowed at his feet. In the four or five years that he had been writing letters to his wife to this accompaniment. He had never mentioned the dogs to her. He wanted as little at the fact that it was his duty to sit up with them as he did the incomprehensible ritual of the order of dishes that he served so officically at the Morgan's dining table. He did not know his wife. Very well. He had married her for years before when he went home to Niassa land on leave six months, he had not been back since then not only because of the money the train fare for journey of Nettie three thousand miles eight up a disproportionate amount of his wages, but because he was working in Johannesburg illegally. Anyway. He was an immigrant without a permit, and he was afraid that if he went out of the place he would not be able to get back in again. It was impossible to stay at home. And I asked land, of course, how could he consider working for two pounds a month there when in Johannesburg he could anate? He sent money home to his wife every month or rather to his uncle to keep his wife, and he had bought himself a waterproof watch as well as a set of the source of wealth, cut close a man, whereas in a city. Not that he went into the city itself. Very often. As he had no papers. It was risky for him to hang about the streets. He was safer at home in dole shop road in the enormous apron of domestic service. He had long ago stopped even going out to the suburban post office or the shops. He always asked Mrs Morgan to buy the stamps and envelopes that he needed and the tobacco with which with paper from the pantry. He rolled his own cigarettes on his days off. He went to sit in the rooms of exiles like himself men from his own village who worked in the suburbs foreigners who kept a wordless fellowship beneath that conformity of Stetson or starch uniform. At first he sought them out because he was lost. In old world only the Niassa village was familiar to him. But later as the years went by he went to the out of habit. There are always even in the most causal politician of cities little groups of men who forgotten the old country, but who continue to meet because of it. When he had I come back to join us Berg after he was married. He had been moody for a while. He who Mrs Morgan said was the nicest most dose owl person in the world. Quarreled with the cook. And then took offence at the first word of reproach for Mrs Morgan. He even ran the risk of going out to get drunk at shebeen one night. But all the luxurious painful pleasure of a debauch was lost. Because he could not sit in the sun and recover next day as they did it home in Niassa land, but had to be -tendance at a luncheon party. I'm sorry grad. Well, MRs Mohan said firmly humorously, but you must go through with it today. These guests are people we stayed with at the Cape last year. And this lunch has got to be decently served here. Take this and you'll cope. Anyway, if you feel awful it'll teach you not to get into the habit of drinking, which is just as well. And she gave him to alka-seltzer tablets in a glass of water. It was true. Of course that if he began to drink. He would be much more likely to be picked up by the police. The Morgan's to read a risk with him while he would be packed off back to Niassa land or drafted to farm labor. If he were found out, they would be fined a few pounds for employing an illegal immigrant from another territory it sort of a little conspiracy. We're in together Mrs Morgan would explain to friends who complimented her on grad, wells efficiency. But soon the awareness of the eighteen year old girl, his wife, wore away faded off his mind and his skin. He had come home again to Johannesburg to dos up road to sleep alone in the European bed and the decent European outbuilding that the Morgan's provided. His passions. Hibernated? He never thought to climatize them. This was not home for them. There was a child born to the girl in Niamey land, some months after he had gone. He felt responsible jaunty and somehow accepted into the world of men when the letter came telling of the boys birth Mrs Morgan sent the child toys at Christmas and wanted that grad world did not at least have a photograph of the boy, he explained that will be no one in the village with a camera. Two years later. There was a letter from his uncle saying the child had died. He did not know what to feel. He had never seen it. For his wife. Well, next time he went back. He would make another child. What else could he do? He had a post office savings book. Now, Mrs Morgan deposited his money for him. And he drew out some money and bought his wife address. He was even quieter than usual as he went about his work. The Mogens thought he was depressed and made signs of understanding and can miseration to each other behind his back. The truth was that. He was listening listening to himself listening for something to sound some note from within. There was a place there and his breast bone. But nothing came he simply went on waiting table cleaning the Silva, even wiping up after the dog. There was a new dog in the house, a bulldog puppy. In the often 's he sat in the outside his room in the sun, wiped a piece of bread round, his dinner plate and was content. There was no use the Morgan's denying it. Next year. When we go to Europe, you must take a chance, and you must go home to Niassa land while we're away. Mrs Morgan said, we'll have to try and work something some sort of passed that looks right? When she tried to talk to him about Niassa land. She was always a little embarrassed. Discover that he knew nothing of the interesting political developments among the Africans there. This time. Mrs Morgan was much preoccupied with the bulldog. It was heard she had admired BULLDOGS as a child in a fascinated horrified. Sort of way and reg Morgan had consented to buy it. Chiefly because there had been such an outbreak of burglaries and Johnnesberg that he felt it was time. They had a really good watchdog around the place. The Scotties were alert little chaps. But one couldn't expect anybody to be deterred from entering the garden by the sight of them when the bulldog came he was a squat shambling puppy. Terrified by his own ability to knock things flying. He seemed to sense the world of inanimate objects cowering before him and his power appalled. Him. He missed all over the house and eight with uncontrollable gluttony often disgorging his food again as fast as it went down. Mrs Morgan adored him childlessness took revenge on her at last and she cradled a beast. She loved and petted and spoilt Scotties. But for the bulldog she had hopes the Mark of the real maternal passion. Wait till I train him. She would say to us he'll be the nicest most dose ideal thing in the world a handsome dignified, well behaved clean bullyboy and to those wicked burglars murder. The dog grew up he slept about the house all day. But the muscles of pugilist grew on his thick shoulders and his barrel bellied body, his huge heart head with his giant nutcracker jaw under the flapping dribbling chops could push you downstairs, if he wanted to pass you on the top step grad. Well, and the other Morgan servants hated him from the moment, they said is on him. They hated him even before then for the bulldog was the symbol of all the white, man. Savagely interning the black man from his door. The dog felt that hatred and should the obscure shame of the beast flattening. His little hippopotamus is on his ugly head as he went past them crouch low to the ground. But there was nothing else that he understood it seemed Erica Morgan did succeed in teaching him to clean, though, he left his snail trail of saliva wherever his snout brush by all her sensible patients and quiet controlled commands could not teach him the simplest Abedian. It's. And as for being a watchdog he slipped through all warnings of intruders, given by the Scotties and allowed strangers to walk past him up to the front door without so much as a bag. It proved impossible to anthropomorphic him into a handsome dignified well-behaved bullyboy. And somewhere along the unsuccessful process. He had lost the instincts of dog into the bargain. Eric Morgan was disappointed in a pet. The final touch came when she found a lovely mate for him a beautiful brindell bully go for her bullyboy. The bitch was brought to the house in doctor broad because the Morgan's thought he was too highly strung to be sent to the kennels. But though, the bulldog in the bitch will given carefully supervise privacy and was shut up in the garden shed together for three days, the poor bulldog would not mate when he was released last from the shed he ran away and sat with his fat miserable back hunched against the door of grad wells room gradual who always put the dog's food down before him with Republic. Cnn's? It's no good grad will Erica Morgan said that day with irritation and exasperation keeping the lead onto the bitches caller. I'll take back to the Kendal, really. I am fed up. If at least we'd had a pup from him. She felt she could say anything to Greg. Well, he was rather a favorite of hers among the servants he and she were she put it to herself to human beings and never mind. The color of the master servant thing. Grad will open the garage, doors and the gates and close them again behind her. She drove away with the bitch. It was just before three o'clock in the afternoon. He went into the kitchen and fetched his lunch, which was in the oven keeping warm. The other servants were already in their rooms and he sat down on a barrel in the yard outside his room making threatening movement with his foot towards the bulldog as he did. So the beast unaware as usual of what he had done wrong, but always conscious of wrongdoing a failure shivered with appeal along his thick back and pressed against the closed door of the room. The man sat eating bread in the winter sun a man who had no child who slept with no woman who's cast the ever went outside the gate of Erica Morgan's yard. At last something moved there at his breast bone, but dully. Depression. He broke off a piece of bread and threw it saying in his own language to the dog here. And startled changing swiftly from the expectation of a blow the dog snapped the morsel into it's great mouth. That was Joseph O'Neill reading the pet by aiding. Gordon moore? The story was published in the New Yorker in March of nineteen sixty two and was included in her collection. Not for publication and other stories published by Viking in nineteen sixty five. So Joe stories called the pet and at the center of it. We have a pet the kind of miserable bulldog that won't live up to any of the expectations placed on it. Why's that dog there is he a symbol as he a metaphor for grad? Well, what what is he doing in the story? Yeah. Seems to be up to pour all dog. I mean. Seems to have has sort of you know. He's this sort of slobbering bulldog, which I think is familiar to many of us, and he's sort of expected to perform this role as kind of watchdog and sort of against this little burglars. And he just isn't up to it. It's not an his nature. So he's been miscast. And I suppose you could say, although this might be a little. Pushing it a bit. He's been his little alienated from his from his destiny is sort of just an ordinary dog, right? Professionalized? They try to give them a job, basically. And they try to house train him. They've tried to add him to their roster of of domestic stuff isn't as Mrs Morgan. Eric Morgan feels a special love him maternal of expressly specially sinner, she's he sort of the child and the combination of the dog and gradual has all this residences of different kinds and the resonances merge in the title, the pet and you ask yourself. Well, who is the pet? Here's is it simply this dog. Or is it what was gradual been reduced to that status domesticate, domesticated? Yeah. I mean, there's it's surely not an accident that. Mrs Morgan calls grad will the nicest most asylum person in the world, and then calls the dog the nicest, most dose Lyle thing in the world. I mean, sometimes we do you have to of dictate stories to sort of tease out. That's metaphorical. Or not not even attending possibilities. Not. You don't have to go very far in this one. It's a story that actually risks a certain directness, and which is which isn't necessarily prized literary quality. But at the same time. What's great about story is that it never feels anything other than accurate it tries to create point of view. Which is I think above the fray, I think the this story is many ways from a technical point of view, quite typical of of what I think is is a slightly lost art, which is mid century fiction. The commanding third person voice, you know, the sort of you you might encounter in the in the writings of Flannery O'Connor or Richard Yates or Muriel spark this just very commanding enthralling third person voice, which. You know is now seen as two of nece- int- to be fully self aware any sort of any sort of treated with a set amount of suspicion now, which I think is is a shame because you can do things with stories with that voice, which you know, you can't with another voice. So in other words, the story the the Reiter doesn't identify with anyone particular in the story. In fact, this identifies expressly with gradual, and I think sort of mysterious and sort of key thing not in the is is this phrase where the storyteller says right at the beginning. He was a Niassa with a face so black that the blackness wasn't inverted dazzle. You couldn't see what he was thinking. And I suppose the question is who is this. You who is the second person. Is it the reader is? It a limited education with Mrs Morgan because due course, the story actually does see what grad was thinking. We'll just try to see it. And what we learn as we read is gradual in this story least seems to have been emptied out of the interior life. The. He might otherwise had he seems to be disconnected from his passions from the paternal feelings that you know, that that he would have had even from the sense of mourning takes a long time to sort of get around to I suppose processing the death of his child. And so that he's been dehumanized that steps these, you know, the technical especially you could easily apply. The I mean, if what's fascinating is that that this repetition of heme expecting tiff. Hear some noise coming from his breast bone. You know, obviously that. What is that noise? Is it emotion is passion as it excitement is it sadness anger. There's something that's not coming out of him. Or that's not making its way out. Perhaps. It's in there. I mean, the breast bonus was is typically associated with the heart and Rosen the brain. And so that I suppose they suggestion is that the realm of feelings is the one that's been most affected since he's not credible isn't sort of intellectual his his mental life is dominated by traditional concerns regional memories of his village from which has been removed, and so that his feelings have been compromised made obscure even to himself. The -plication would be that this is as a result of his membership of the wretched of the earth. You know, he's been in reduced to a sort of an imitation of man Rolan real thing when he comes back from his his wedding, presumably, he his passions. Go into hibernation. Yeah. Says that they just sort of they they go away. And maybe that's his only way of getting by. There's a an interesting moment where I think the first time the the noise from his breast bone comes up, and it doesn't happen. And he kind of this is an indicator that he's actually content with his current situation. Even though Mrs Morgan tries to deny it says, we have to send you home the next time. We're in Europe. You know, you have to go back. You must be feeling these emotions that he's not actually feeling what her why why Gordon depleted him of those sort of righteous emotions that he should be having that we would expect him to have you know, you sort of wonder whether there isn't some psychological or even ethnographic dimension of inquiry, which which is being withheld for us. I mean, is it really possible grad? Well. Has such an impoverished kind of emotional life. And I I think the stories is saying yes that is possible. And I think this is where knitting Goldman's by biographies interesting. And in some ways reassuring which is that it's not as if she's writing about a world, but she's not personally familiar with. She's very very detailed suddenly about the in sort of effortlessly, satirical way about this little Boorda couple the Morgan's in grad walls pulses, but she doesn't shrink from. But then she has a very different way of poaching grad. Well, he she it's much. He's a much will mysterious figure much other figure for the for for this, particular Reiter? And and I think and I think she sort of say she I the story the story basically believes in in the. This in this possibility that which is the gradual is not as kind of realized as as as as a human as he might be in that that's a result of his of his displacement might you see very systematic infanta Leising of him, you know, that he. The one time he goes out and gets drunk and and Mrs Morgan saying here, dear I'm sorry. Just you going to have to take some alka seltzer some full yourself together. And the fact that he has led that lesson he stops even going to the post office. You know, he has her by him a stamp every time he wants to mail a letter, and he and she puts his money in his in his post office account for him. You know, it's all it's like pocket money. It's all kind of every little scrap of agency has been removed from him. Even though in a sense, Mrs Morgan that's not her wish. This is a perfectly decent couple. These these are the nice kind of whites. These are the people who are you know, sympathetic to the victims of Pont height. And you know, presumably the liberals these liberals they get Europe. There's all the industry of liberal of liberalism. They have educated Africans to lunch they have. So they quit. You know? They're not. White supremacists. Which is what you know that system was about. I'm yet. Of course, they accept without too much self scrutiny the benefits of the system, which I magic was would have been characteristic of all the liberals. The self righteousness of believing themselves liberal, and yet they benefit from a system that's been set up to serve them. Well, they have they have they have a strong argument, which is that their argument would be a consequence list one which is the extend that they the that they live in South Africa, the net result of of their being there is to you know, I suppose spread the wealth. I mean, it's a very it's classic sort of to. Classic argument in favor of dominate. And also that they treat their domestic help respectfully, and you know, MRs Granville says he is a person forget the color thing yet. The master servant thing. He's a he's a person and she cares about him. And she truly cares about him. Does she know him probably not? So it's interesting to think of. What Gordon thinks of the Morgans how much she wants us to approve or disapprove of the way they behave. Yeah. I mean, I I do feel that there's a slight element of of mocking going on. But I do think that proving disapproving is it would be the political framework that she would have been operating under. I mean, that's that's sort of contemporary sort of idea of of reading which is to sort of. And I think problematic idea in many ways, and it won't be too reductive about that. But it is a sort of strain of kind of consumption if I can put it away of literature now that the puncture of fiction too, many people not too many people. He's too as it were to Nabl the reader to sort of side, rather enroll superior sort of way who good people aren't who on. And and the story the moral story and all such sort of us the story as as just part of the consume the story is part of the sort of things one would consume to sort of. Acquire a certain kind of moral prestige. It's the cultural capital. I mean, this love cultural capital in in in sort of project himself is sort of superior to other people Maury superior. I don't think was doing that. I think that no withstanding this the obvious satire of the sort of comfortable Bushra white since I left at this time, and they're complicit I would've thought projecting here. The what's interesting is the is I'll structures here, which is that once he's organized a certain way, and once an immigrant, for example, is legal then the huge potential of that human is is is deeply compromised, and I suppose what one one of the many things one comes away with is the sense that of how important is the society is structured in such a way as to enable empower people to exercise reasonable. Tony and gradual is as. You say he can't even go to the post office. He has he has no. To me and not only that he doesn't even have the self that is supposedly the agent of tone. The even that's been taken away from him and always an all four six pound month, or whatever it is different in an his income. Why doesn't he just move home? When live with his wife, and you know have another child, and what is the huge benefit. Well, I think I think there's there is this. He's he has triple the money. But as you say, they're also overheads associated with living in South Africa far away from home. But of course, Malawi all nice land is it self no picnic and unless mistaken was one of the poorest countries in the world. And so this is just a chronic failed state there and independence in the sense of transferring power from the colonial Britain to was it was a Banda who is the vision of fuss president of the of Malawi would not necessarily strike someone like, right? Well, to the extent that he folded politics toll as an obvious recipe for sort of improving outcomes in Malawi for someone like him. And of course, we know that he doesn't follow the politics that that line where. When when Mrs Morgan tried to talk to him about Niaz land. She was always a little embarrassed to discover that he knew absolutely nothing of the interesting political developments among the Africans there. Interestingly that line is cut from the the story when it was published in book form oh disappeared. I I was looking at the story and a collection yesterday. Anything more about that? I know nothing more about why I know nothing about why would have been taken out perhaps just seemed to obscure a reference to for temporary reader. I don't know. But this is the nineteen sixty five. So I don't know. I think it's a good line. I think it's a very good part of the story. Right. Because it tells us something about about Mrs Morgan, which is she's politically aware, she's not just some sort of mindless above and housewife. Right. And it shows that he's not politically aware, and you know, this is revolutionaries of Africa. I mean, there's a lot of independence. Lot of fighting on Africa point in history is over refunding. That's about to happen. This decolonisation going on. It's very as as as she would put it. It's very interesting time on the other hand, he's just trying to make a living and support the wife. He barely knows. Come back to the dog. Because some level obviously, the dogs a pad grad wells been domesticated like a pet. They live somewhat parallel lives. But everything that the dog is supposed to do keep watch over the house. You know, grew up to be a handsome dignified, well behaved clean. Boy. You know? Those are the things that grabble has done grandma sits up night with the dogs watching over the house, and yet Gordon Moore has the dog completely fail at all of these duties in a sense. It's that contrast to grad. Well, you know, it's the it's the failure. What do you think this dog is such a mess in the middle of the story to feel like I'm just thinking about this for righteous for second in? How'd you write about a dog too? And she actually uses those Jesse says somewhere story says somewhere there's limited are FOX around the promo FIS the dog which. To you just retains essential dog dog nece inches. An awareness of being hated by the people who are taking care of him by all grad. Well, by all the blacks who hate him. And Gordon, you know, she writes that the bulldog is a symbol of all the white man savage glee and turning the black man from his door. These black men are inside the door. They're in the house and the BULLDOGS doing nothing to them except feel ashamed. Interesting that that he is hated that the dog is hated. Well, I suppose I'm just looking at it from I'm just following the line of thought, which which the story offers that to the effect that the door was hated because of his political. And you know, I suppose it's just like having us would have little pet Nazi in the house. You you almost feel like this classic thing. I wish I had a little bit more information here. I don't actually I didn't wish I had more information about the story. But now that you you raise it, I suppose you'd want to know, what is the sort of dog owning culture among non whites or in in this case in Iceland, people niacin even have dogs, and what sort of dogs do they have to have a domesticated animal or certainly a dog would be a is. Usually is usually something with unites European countries a western countries. I mean, for example, even Turkey with my grandfather had a dog the custom was to own the dog and feed the dog with Dogwood run wild Jing the day, and then just come back in the evening, and that would be a dog. That's that was how dogs lived in the servants wouldn't be cleaning up after them. Yeah. Yeah. But it's funny. How much sympathy? Feel for the dog in the story. Even though you feel for the dog you feel for the shame of the dog, and you sort of buy it. It's well, yeah. It does seem a bit fetched from the psychological point of view. What happens in that final paragraph? You know, the grad will goes out and sits in the yard the dog is sitting in the yard. They're both feeling diminished, and suddenly this this sound comes from his breast bone, even dully, and he shares his bread this creature and the emotion he finally feels is depression. Yeah. The Balkans have been using relations him earlier, his feeling is very specifically a sort of described in terms that we would associate with western psychology. Feels depression. But maybe he also feels compassion. I mean, it's it whatever he's feeling or hearing makes him turn to this other creature and and share food. Yes, it's an active hospitality generosity. And it's it's a sign. It's also sign of kind of a weakening in him. Which is that. Even though he's feeding depressed his humanity has been awakened. And the result of that is to feed the dog something so that, although he sort of you know, he's probably only just starting to mourn, his son at that point in a more sort of powerful way. And and his first eat is to sympathize with the dog, maybe to something of the dogs predicament. If this is a turning point for grad. Well, do you think the next day will be different? This is something going to change in his life. I, you know, nothing's going to change. The only thing that could change is society around him such the extent that this sort of legal regime remains in place in the and as you say, he's an emigrant. He's an illegal immigrant to the extent that those laws remain in place seems doomed to live in a state of chronic precariousness, very telling moment in the story where it's revealed that the the the sort of ACM etry in what will happen if God was ever arrested, which is the the the Morgan's will pay some small fine. Yeah. And he will be potentially taking into into forced labor. So that he he an alternatively deported, and it sort of reminds you of that of that idea that the state is your biological controller, and that your body even your body is not is not yours the obediently mentally. Is at the mercy of of state, which can either remove your body from the from the from the area or force it to things that it you know, that it would want to do. Then you ask yourself about the way in which the dog has this issue with his own body. It's sort of the body is much stronger than it wants it to be. It's it's hey, sort of bigger and more muscular power than than he wanted to be. You know, this dog is you know, the these shoes. Yeah. Well, also this moment of sympathy comes after the dog has simply steadfastly refused to mate, you know. That's right. Yeah. That was his one moment of choice this poor dog. He said he coating create at. And I want to we didn't want to. But it would seem that he that he couldn't in some way. Although he hadn't he's maybe his one doesn't know. Who knows what went on in that shed? They I think. I think in the. Locked up for three days. Nothing happens. In the mood, and at least. And these grad world has had. The experience of procreation which the dog has a tad. But then it's been robbed him. You know that last paragraph begins with that amazing line. But you know, gradual a man who had no child who slept with no woman who scarcely ever went outside the gate of Eric Morgan's yard, and that point he's sort of becomes one with the with that dog stuck in the yard another way to think about this and to sort of broaden it a little bit. And I think this is I think called him a walls sort of left wing person who in it would have been kind of interested in in Marxist ways of thinking of things is is that credible is just sort of very vivid example, of of what happens when your whole life is boy LSD onto making enough money just to sort of survive and just to have children, and where the possibility of of a kind of excess is is the the. Excess that amounts to the kind of comfort and that gives Matt leisure. So that you have some time to sort of develop yourself as as the Morgan Morgenstern when that's just absent gradual isn't an exceptional condition in some ways. In other words, it wouldn't just be grad. Well who've flip. Alienated from his humanity. It's it's it's it's anybody who's in a situation where their life is dominated by the necessity, the powerless necessity to just make ends meet right? You wonder what would have happened if he hadn't married, you know, if he weren't sending money home if he didn't feel that. What would you do the money would have a listen to us? Anyway, it's not like he can he can go to the movies or anything if the kids to dangerous for concerned. Well, thank you. Joe? Thank you. Deborah Nadine Gordimer who died in two thousand fourteen the author of more than two dozen books of fiction several of which banned for period of time by the South African government. Her novels include Burger's daughter, July's people, the conservationist and a sport of nature. She was awarded the Nobel prize in literature in nineteen Ninety-one. Joseph O'Neill's four novels include the dog and Netherland his most recent book, the story collection. Good trouble was published last year. You can download more than one hundred and forty previous episodes of the New Yorker fiction podcast, including one in which Joseph O'Neill reads, the blue clock by Muriel spark or subscribe to the podcast for free in the apple podcast section. If the I tuned store on the writer's voice podcast. You can hear short stories from the magazine read by their authors. You can find the writer's voice and other New Yorker pod. Cast on your podcast app. Tell us what you thought of this program on our Facebook page for rate and review us in apple podcasts on items, the New Yorker fiction podcast is produced by Jill off. I'm Deborah Trason. Thanks for listening.

Erica Morgan Gordon moore South Africa Joseph O'Neill Europe BULLDOGS Niassa Mrs Morgan reg Morgan Eric Morgan writer Joe Debrah Nelson Mandela Nadine Gordimer Johannesburg New Yorker magazine
Doug ONeill Interview - June 20, 2020

The Horse Racing Radio Network Podcast

09:50 min | 1 year ago

Doug ONeill Interview - June 20, 2020

"Doug, O'Neill is indeed with me now. Doug Good Morning. My Friend Happy Belmont Day! You, too. Thank you Mike are. You I'm doing great back in the Empire State again. My friend man. We're so pumped actually. We sent like a dozen out here a few weeks ago for the remainder of the meat and possibly Saratoga, so we're excited, and not only about today, but for the next few months in New York so so far so good. As we were coming back from the commercial break, of course I had to play I'll have another winning the derby and the preakness, both of those stretch calls, and brings back such great memories for me because I remember that. Run in you know you and I talked many times. Jude was part of the team and we were all talking about how good this horse was coming into the Belmont, and then of course, the disappointment of having to scratch the day before, but boy that that run really does bring back some unbelievable memories and I know it must for you, too. Big Time and you know there's some similarities today with Four. Elect you know when when? When Paul had mentioned I'll have another. You know training so well, and we tried them in Bob Lewis after a little. Breather a little freshening and and and he got the job done there, and it really sprung a forward to that amazing run so you know the four left today was kind of a last minute audible, call and Hopefully we got some. Good results coming up today. Yeah, what led you? Put Him in the spot and and give them a try. You know we were just zeroed in on the woody Stevens for chief the last month or so and Just that racist coming up. Extremely tough, you know it's both what he stevens end the Belmont or obviously great ones and they're. They're coming up like it and just started thinking the Mon- eighth one turn. Might suit for left a little bit better where you know early on, it's not as As! the pace and and He's always trained like a horse that. You know a little extra ground wouldn't be a problem. It was just the navigating the to turn. Sometimes he'd get a little eager You know the in a couple of to turn races that we try to mend so I just think the long extended one turns going to see them well and and his last couple of briefs on the Belmont surface have been great and he's got a win over the. The tracks so a lot of good stuff yet. You know it's interesting when you talk about three year olds and their development from say February. When we lost last saw four left to where we are here. In the middle of June, it can be substantial mentally and physically, and he works like he's a really really good horse. So, what have you seen? What changes have you seen in him from February to now? Yeah. I think a lot of mental maturity, and and you're so right when you look at his numbers and his buyers. From two year old season. You know they don't stack up with the other Belmont horses, but. A lot of three year old form of these on horses so Yes, so often you see these courses really move forward. Their numbers really jump forward it when they get into the three year old season so Yeah, we're. We're just seeing a horse. It's filled out. things You know in a more mature way doesn't waste energy like. Maybe he did at one time so You know again. This is we know were thirty two one for a reason, but in our minds. He's got a big big chance. And and we're real optimistic. Going to give a good showing. Did you expect that he'd be thirty two one when you were planning to enter him. Yeah kind of you know when. Paul and I started talking about it a couple of days before entries and and You, know I, figured it. We're still GONNA. Probably be eight or ten or fifteen to one of the you know a a long shot in what he evens as well but I figured we wouldn't get along attention. And you know it's hard to? You know look at the two year old numbers and see where they're gonna go, and then it's hard to gauge the the the win. He hadn't Dubai, but that was extremely impressive. Win and you know as a large field as well so We've got a lot of companies, but I wouldn't blame others who haven't seen him in a while. You know, say, show me for so hopefully. We're GONNA. Show him. Well you were able to lock in Jose Ortiz to give him a leg up later today, and that's that's a. that's one Helluva. Get right there, brother. Well you're right, and and we have a are cuss Lana. WHO's another unbelievable writer? We had him working for the woody. Stevens and I felt terrible one we. Made the change and the change in races in Hobby. How at? Committed to Farmington road and Belmont, he's he was gone and couldn't believe when. Jose Ortiz Open it was like Whoa. What a what a gift that is so super excited about that and I'm excited about his as well and. And it's GonNa be a great run. Yeah you get a chance the race before to maybe punch your ticket to the Breeder's cup sprint in the grade, one Jaipur completely different scenario here you have stubbins who is three to one on the morning line, so a lot of people thinking that this horse is a a major player and he certainly looks like it. You Know I. Yeah, he's a horse that's shown. He can ship, and and and carry his form, which is always a great thing and you know the five and five and a half in southern California with the lack of a Lotta. Of A huge grass course it can be really tight and you know you just gotTa get really lucky to get did trips, and of course it's definitely his last couple of races as He's had a lot of horse and just hasn't had to clean the trip, so we're excited about larger turf course And hopefully more lucky trying to find the whole when Louis says Asam to run, so we're we're. equally excited about him. He's training well and again very evenly matched very a tough race Will you got the pure sensation coming back in there? We know he's a heart and hockey in the most to me, no earner that he is so Not Going to be an easy race by any means, but we're. We're excited about seven. Talk You trainer Doug O'Neill here on the horse racing radio networks stubbins going into grade one Jaipur. Of course, the Belmont stakes will be represented by four left. which is a term I know all too well when I'm on the golf course so i. I maybe I'm cheering for you from that perspective Doug I've said that so many times have been cheering that the Belmont winters name for years. Now and that's where that comes from two. That's balls got a golfing buddy that he. He. Named it after him because that's not shot. Generally, they gotta yell that out a lot so. You know this has been such a crazy year with with the pandemic, and all the adjustments that that many businesses every business had to make an you are running your own business as a horse trainer. Talk about some of the things Doug that you've had to do differently to keep this ship rolling. Who Yeah it's been a real Yeah just a lot of juggling and you know. Thank God Fallen villaret them have been able to continue moving forward, but I've had a lot of clients sets had to slow down and some. We've had to turn out to the farm until they got their businesses back. up and going, so it's been. A real challenging time and I know so eager going into two thousand twenty I just the whole. Idea of two thousand, twenty, twenty, twenty. It's GonNa be a great year and man. It just seems like it's been one shot after another, but hopefully we're. smoothing out here and Summertime which say the first day of summer right territory. Yeah I. Summer is going to bring some. subconscious sunshine some good news for for a lot of a lot of people out there and and hopefully look forward to great day starting today at Belmont Yeah. It was pointed out to me earlier by Anthony's to beal. WHO WORKS WITH US here? On the network that the summer solstice the official started summers five forty four eastern time. The Belmont runs at five forty five, so it's the first time I will ever run in the summer as opposed to the spring. Wow man see. That's good stuff, so there were We're making some eight here, Mike. We're doing the best began. Notes. Busy I know you have a busy morning before I. Let you go. Give me one little tidbit on. How be it who goes it? Santa Anita today in the laws Barrera stakes. You know small field. got Umberto responding unbelievably little known writer, who a lot of people are going to know his name here real soon. tough race, but he's a hard, knock and horse. Know hard helmet lunch pail type of horse. Every time we lead them over there. He's got to step it up, but. big price he he I think he can run one two three today. Right, there is Doug O'Neill as good as it gets when it comes to getting horses ready for these big races by the way. How be it for our Kentucky? Listeners bread by the University of Kentucky so That's cool, too. It'd be nice to get a big win for them. Go wildcats baby, go cats. Doug appreciate it brother. Yeah, good luck today and stay safe up there, but. Thanks a lot take care.

Belmont Doug O'Neill Doug Doug Good Jose Ortiz woody Stevens Jaipur Mike Paul writer Bob Lewis New York University of Kentucky Jude Kentucky Dubai California golf Santa Anita Lana
Episode #1591: The New Phil Hendrie Show

The World of Phil Hendrie

45:42 min | 1 year ago

Episode #1591: The New Phil Hendrie Show

"Kevin Neal's real estate on the line with Kevin O'Neill and Audra Bailey foreclosures closures all throughout the United States disgust. And the big deals awaiting you on real estate on the line good morning. Thank you very much very watkins. Zenda the rest of the Waterford Organization so happy to have them here. What for the organization as a great place to go and get your real estate license Organization helps as they say They've got there they wads and they have the subways and these are the people who have been Waiting in line to get to those real estate diplomas You're one of them were Chandra. I was I was third in line last year. At the commencement. It's been I was the one of the subplots the my diploma directly from the Wardrobe. I was very proud. I think they've done great work work. They've done right working on doing great work you'll future. We'll good morning. Everybody welcome to real estate land. Monday Ms Kevin O'Neill and we're GONNA be talking a little bit of ear about the real estate that wait you the Dream House drink property that awaits you there in the big wide open and still very much very much available to all. Oh all spaces of American. We believe Hillary much in America around here on the hill real estate of the mind program. And why don't we do that. We'll because we believe that the real estate that is out tailored to you is real estate. That is available very very top dollar. That's the The word is for it. It's not top dollar in terms of expenses top down in terms of the availability to you at Blue Bunny. Honey you gotta be saving how this now if you look at the video has this morning here on Kevin Neal's real estate property there's a piece of property in Hemet California this. This is a foreclosure sale at to a half million dollars in that is exactly right. This is the For closure on Warren Road. It's in Hemet California. Look at that property. Isn't it lovely beautiful. You'll ever deal. Everybody ride horses around here. I'll tell you right horses. Don't Yatra I do. That is wonderful whereas writing country. It looks like it'll be so tell you that beautiful country there I am that is available to you. Two and a half million dollars that was. That's the high end and a lot of people are not to fix right now to be doing that kind of purchasing but we're talking about some great values. Some great deals to be had ad here in real estate on the line through foreclosure. We believe very heavily and foreclosure sale. We believe very heavily in foreclosure. Buying we are heavy into the foreclosure. Market we're heavy into the market. We're homes have been repossessed from people homes have yes been taken back to the bank. Homes have been taken from the grasp of families for them and and guess what nobody could not. Why couldn't they answer? That question is Audrey. You'll have discussed and we will bring on individuals who may have a little bit something to say about that. I I know the we have Jeremy Gutenberg has been with a private service agency and this is a private agency. Serves a victimless going to see an evacuation papers conviction notices and he may have sold it to say about that well. Kevin is great experience in dealing with these people did not just refuse to move out and landed them squatters but a lot of the most people that have purchased the home in eighteen afford it. They can't afford it so Kevin Boom is that that his name or goon I forgot what it why mispronounced the two. I know having gone through late with us here. On real estate on the line and an example example of some of the deals had as we mentioned here on our screen. There's two and a half million dollar for closer but let's get back to some of the things that are real tasty real juicy some things that perhaps you and I can sit down actually talks with Turkey about take this. This is in Warner Springs California. This is a one hundred and ninety eight thousand dollars property boy my mouth waters orders. When I see this this was taken from a family of four They could not make their payments. They didn't have anywhere to go. There was nowhere to live and so as I drove up the driveway and stepped out of my SUV. And I looked at them. And I said God why why do I have to do this to you And they gave the usual look. You know you've seen it Oughta right. It's it's a supplicant. Look they look so very sad but I say to them you know. Why were you so stupid? That's it that's what we say here real estate on the line when we meet those families that are being victimised coming out of the House and Remember San with me here on real estate available Kevin Cooney real take on the line. We all love to say the same thing we say. Why were you so stupid? Take it easy Kevin. Just my parents should should we break. We'll take a break here. On real estate of the line will be right back here. Real estate of the lines get Cuneo real estate of the line so good to have you with us. We ride back here real estate on the lie and and Kevin Komo's real estate on the line we are all about foreclosure buying foreclosure selling and flipping foreclosures homes. That have been repossessed by the bank. We turn those into someone's dream. Homa Tesla Kevin Koe nail. You can buy booklet. Kevin Cooney turning someone else's dream and Dream Kevin Colonials real estate of the line for closure market. I'm heavy into foreclosure market. And I know that Many viewers well Saudi Saudi cards. When people ask me hey it listen to? How do I do this first thing? Don't send me a card people. Send Me Postcards Audra Adra tip of to us what you're in you know within well. This is a person still using an updated motive communication awesome. They really have to get a little bit more up on how we do things in the future. You know you're welcome to the thank you letter. Welcome to the future and welcome to the future and once yes you do join us in the future. We'd be happy to bring you into our wad group. The one the level the highest level of what is learning how to purchase that. foreclosure as you SIP it. For big money we flip the foreclosures for big money. We ought to teach you how to flip those foreclosures for big molly here on Kevin Colonials real estate on the line Kevin Kony does real estate on the line. We'll be right back. Kevin Neal real estate on the line. Have you seen this booklet Oakland. Well you can't see about because this is our real estate of podcast but if you're watching a film TV ht and you're looking at the video cast. You're looking at a Sheaf of papers. That really are not a book that I'm selling but I'd spittle passport. Have you seen this booklet them. You haven't seen this booklet this is Kevin Colonials Ten commandments of foreclosure. Buying and it can be yours for the very reasonable price of twenty five thousand five. This is the hardcover you can get the The paperback version of this. And this should be your Bible when you're out and about buying those foreclosures looking at those foreclosures. It's how to look those families right in the is is they are being left out of the House and you can look at them and you can say you were Kevin Neal's real estate on the line. We'll Dave right back. I have a buddy Kevin colonial here real estate on the line is my way of telling you. The American tree is very much. Don't let anybody tell you the day saliva. They bragged Ribas alive. Alive at American dream can be your dream too. When you buy someone else's dream would make that dream your own with foreclosure buying and in foreclosure flipping? Here's Audra Bailey. foreclosure buying and foreclosure flipping a something that Kevin and I as business partners got into about six years ago now there were so many opportunities and certainly after the bank in classes of two thousand eight many many more opportunities do you know how many really affordable homes out out there that have been taken from deadbeats and people who signed these subprime loans for no reason at all other than the ego and the the grandiosity of it and and the sheer the sheer ego. But you know that's exactly right Audrey if signed one of those subprime loans thinking that you should own a house when you had no business like a house because only those who make payments that allows us. Well we're GONNA take your house away from we're GONNA give it to a family that knows how to make a payment and make a payment quick and good and also take a lot of house. Maybe upgrade that house. Maybe flip that house a couple more dollars it's Kevin Colonials Ten commandments of the real estate. The business and we'd like you to have it here through Sunday named address San Antonio here come show and say you want the ten commandments of real estate and if we have any left will certainly male mit if we don't have any left and we won't take that thing. We'll throw it out in the garbage Kevin Neal's ten commandments. A real estate back back to Kevin Neal's real estate on the line foreclosure buying and selling for the future. I two Kevin Neal's realistic the line here. So we have Audra we've got a lot of things to get through here. We've got so many things so many pieces of property the show each show. Everybody Buddy we do a lot of these homes feel I mean Um what I said Phil what did I call you. I'm flattered though. I'm flattered a lot of these. These feel what do they call you. Feel Konia Kevin names given so what. What were you saying? I'm sorry Phil Let's just move passed that new. Pass that right and we do have people asking about why you got emotional. What's new pass that? Okay let's move past that okay. Kevin real estate of the line. Hey the reason. Why all right? That's very fair question. Either when I said that a lot of these people would buy these homes. I tell people no no you may not. I'll tell people I love. The people who buy these homes couldn't afford the homes and yet they bought them anyway and they were for colds on. Why did they buy them? Well the reason why they bought them because they're fucking stupid. Look listen telling Kevin Kevin Kevin sold one of the foreclosures that he purchased and that he remodeled he sold it to his mother and father and his mother and father could could not make the payments on the note infect Kevin carried the note. Okay Karen go ahead. Kevin carried the note and his mother and I couldn't make the payments so Kevin had the throw them out of this house because if he allowed them to stay in the house then the the interest on the unpaid principal and the interest on the MP interest would compound and come press daily in. Kevin couldn't take that chance because then that would mean he'd be eating into capital the earmarked for upgrading other properties. Applebee's I think I said right. Let's take another break and we'll be right back. Kevin neels real estate on the line. We'll be right back. Everybody Goes Kevin. O'Neill you know what I love more than anything else. In in this world I love taking a look at a property that has just been foreclosed on and some bunch of deadbeats have been kicked into the street and they're standing there with a belongings. Give me that big blue blue collar. Blue Collar is then what happened to us. Well let me tell you what happened to you. You got kicked out of your house because you couldn't make the payments. Gee Why wonder why we do that. Well you did it because you're still fugger do back to killing koneohe real estate. The real estate online. Sorry I coughed. Okay thank you very much Brad. This is real estate on the line here with Audra Bailey. And we're talking about some of these great deal all right. Let's move on now. We're in water springs. One Hundred Ninety eight thousand. I drew this by. You can see this. Now let's get to another area. You know if if you go to some of these sites they'll show you what's available in this show the the The state the county the town the featured ones here that we've been talking about on this particular website that we're we don't promote any particular website that you know we don't we don't promote websites around and we don't put other businesses around here we don't promote of the real estate. We're not real estate agency. We're not a real estate agency. Okay what we do here. At Kevin Cooney was real estate on the line. Is we identify those foreclosed properties that that will give us the maximum bang for that has those properties we can go in. Do the minimum amount of remodeling the minimum amount of refurbishing and sell it for the maximum a a maximum amount of money. That is the goal. And that is the dream here on Kevin Neal's real estate online. What are you got Audra? This is wonderful. This is a two two hundred ninety. Nine thousand dollar reposition In Again Warner Springs. This is a beautiful area Kevin and I don't know that a lot of people now let me choice springs that property show you rate horseback riding country. Water Springs is a almost a rural area but it is approximate to major metropolitan areas. And the home. You're looking at right here. This is absolutely gorgeous. Just absolutely absolutely gorgeous and you see there's the stone face here. We have Philly traditional siding on the house Very efficient concrete shingles because this is California and you WanNa make sure that you are abiding by the fire protection laws. Yes but look at this home. Isn't this lovely now the particulars house you got three. Is that three beds to full bals. Els One thousand seven hundred and forty six square feet and that's a pretty decent. That's two thousand square feet at the ascot. BRISE brize two hundred ninety nine thousand dollars right now springs. This is a full foreclosure. The family is cleared off the property. And you make sure of course. With all of the Kevin Cutting will recommended properties. We are absolutely adamant we WANNA make sure the sheriff has been there and has done what we call a chason cleanse chase him out cleanse it out we want all all of those people that were there moved out understand that I don't have a lot of an. I'm sure you've all heard. Listen my voice that I don't have a lot of patients. People that sitting there and squatting on the property let me tell you what what. I'm a very hardcore guy. But I understand is the Ernie Donna. I understand what hard times because I was living through hard times many times what I was a young man. I had to scrap and I had scribbled. Save Audrey if you really did. I knew Kevin back when he didn't have a dime and just shoot industry and just through perseverance. He put together his company. He made a lot the money. He's employed a Lotta people and Kevin. I know show. It sounds like maybe he doesn't care for these people that are being foreclosed on and being thrown out but he does. He does from a tough love standpoint. I think that's the great word they're tough love is what we're about here on Kevin Neal's released a little tough love. Because while I was buying my properties listen I was. I was moving up the ladder and I was I was at sometimes. It was sleeping on the floor. Sleep sleep with my cars because we used to go out your model that we used to go out and price properties outside of Los Angeles or outside of San Diego out in the desert. I don't know boonies out in the boonies out of the sticks. We go out and we didn't have time to turn around rather quarterback. Guess what we slept in the car. We Shan't just can't ride in the car that's right and we slept in the car and a lot of things happened. Open the imagine sleeping together in a car. One thing leads to another now we did. We had We know each other intimately we did. And multi-mm` what time did I ever say to anybody. Hey feel sorry for me. You know. There's Audran I get beginning our relationship sleeping automobile and eventually beginning our intimate life in the back seat of a truck in the bed of a truck. This is something that a normal ban. I guess a lot of men would be disgraced by when I think about what I give it. Thought I think to myself God the the degradation of things that I had to go through ring. Any I had to go through DOC Kevin Colonials real estate on the line. We'll be right back. I Jim Jefferies. If you've been over to Dina's hamburgers that's our hamburgers. Stan right there at the corner for fifty one years right there in the beautiful city of Montclair. That's right Dina's burgers man. I'll tell you what I I remember for the first time I flipped my first square. Hamburger Dina's burgers. We use the same hamburger service that services Wendy's we'll of those square hamburgers because there's more meat per square inch On Dina's Burger Dina's barriers more meat per square inch. That's what she said. DOC Kevin Neal's real estate on the line Kevin Neal's real estate on the line is brought to each week as an infomercial for you to decide is his purchasing the foreclosure law right booth for you and let me tell you. It's only this is Kevin O'Neill for real estate on the line that I know a guy by the name of Brad Brad. Pote and and Brad and his wife purchased a home foreclosure. Guess what it was the home that they were in when it was foreclosed upon. That's right they were thrown out of their own home because they could not make the notes and they had to go through a lot of soul searching a lot of well a lot of tough times they had to go through a job searches. They had to go through a lot of scrimping and saving rebuilding their business. But guess what they take five years they turned right around the house and found out that the guy that bought the house from he's got foreclosed on and they got the by that House back from that guy and laugh at him. The left intimated fucking this is disease remembering his parents here. We kick that you WANNA talk about it. No I don't know I don't want to talk about and Kevin Coz real estate on the line. Do you property to sell. Are you being thrown out of your home by a bank. Has Your home been repossessed. Ask and you'd like Kevin to know about it. Are you humiliated the fact that you've lost your home and you want further humiliation by having a pompous as backwards strange emotionally disturbed human being like Kevin Coney Ilk by it and then talk about it on the air and you'll be at home going. What if I done contact our program boot immediately goodell real estate on the line here? We're going to go to the phone calls. And this is always exciting. Leading part of the program Because this is where we people will tell us about the properties that are being thrown out of their houses and this is where we tell people where it is at. Where does that give people the truth? That why they're losing their own but we also like to tell them the good news. We're buying it and we're going to turn it for a profit that's right a lot of people think that's got a cruel that'll biggest. I don't think it's cruel at all. The Kevin O'Neill way is to take those foreclosed upon homes turn them into simply value seldom back to some of this. It's going to be able to afford it and watch that. Beautiful property flourished through the years. And if you're the individual who lost that property because you couldn't afford it because you signed a note that you should not have signed because you're fucking stupid then Oh gone. Our hurts standby just just brief any okay. If you're one of those people that debt the home take it away from you because you were because you got the taking. If you're one of those people don't own taken away from you. Well you should tune in and watch what we do to that property we flip. That'll make an awful lot of money. All right let's go to first phone call and this is John he's he's calling from San Diego John. How are you welcome program? Yeah Good Morning I lost my home. My wife and I lost our home. I wanted to tell you Where that is It's it's in the you were talking about one or springs At our home is in a place called Woodland Hills California Cornea Which is suburban Los Angeles? All right This is a house that we loved very much Early Gorgeous House. It is a five hundred forty six thousand dollar value in Woodland Hills California and three baths Three full Baz three bedrooms Fifteen mattered forty two square feet. Two stories that a traditional sort of Rock Frontier Nixon nineteen seventy style home in the Los Angeles area for five hundred forty piling. Alan forty-six thousand dollars and So you lost his home. You and your wife wants this home. It was foreclosed upon. Okay so you no longer the property we've cleared out and we won't be any trouble at all. Okay we'll all and we do appreciate that. I got into that John. That is very nice of you to clear out and not be any problem to anybody. Because because what we like to say here on the real estate of the program with Kevin Colonial foreclosures are just the first step toward making that property. Valuable for some that can actually actually afford it and not for some deadbeat who signed the note that they couldn't afford another kid deal signed that we got the subprime. We should never have well everybody at home and John Utah. It's also together. Why did you do what you did because because as you were talking stupid because we're still but yeah thank you John? Is he going weird again. Okay that's that's why I called in just to hear him having emotional break because I I hate his guts and I hate you to either. Yeah emotional. Break their emotional ring. I'll tell you you know it is very emotional. Very emotional be talking to people who have either closed on just like my father and mother. I had to take my own own father. Mother's home back. I was carrying out. They were paying the payments and then one day they decided not to be the payments. They only about six months in the six months in my mother calls me up and she says to me Kevin. Your father and I are not gonna be able to make. The note can give us another month. I said what he asked me that again. Please I WANNA make sure. I'm hearing what I'm hearing and she said. Will you delay US having to pay you for another month and month I sent her. Do you understand that that is interesting. I'm going to have to pay myself unless you want to pick up because the interest and she said we'll hunt honey the interest rates. And here's what she said. The interest rates that was charging there were usurers and I said users usually is that your excuse. Is that because you just talked. This is odd repealing and this is real estate on the line and we'll be right back Kevin Cooney else real estate on the line. How are you about to be thrown out of your home well Kevin Colonials real estate on the line can rub it in? Listen each week to Kevin. Neal's I was real estate on the line as they take that home that you thought you were going to live in and the one that you got thrown out of and the bank has listen as Kevin buys it fixes it up and flips it and then goes you were stupid for buying do believe that Kevin Colonials real estate on the line. We'll be right right back. I haven't gone real estate on the line here. This is Kevin O'Neill and You'll probably hear in. My voice is sort of people will say they'll say listen to the Kevin O'Neill Line show and I hear such arrogance. Did you ever got older. People say you're arrogant. They say that you think you're better you're holier than thou. You sound stupid the way you talk you sound like you need to have your sinuses operated on you. Send every he bad thing. Yeah that I know and you want to. That's about do you wonder whether it's about you titus Kevin I did what did I tell you. It's jealousy it's jealousy jealousy the devil level jealousy monster that green eyed monster. He's GonNa get you every time. Could you jealous when you're jealous. You not at your best. When you're not your best you can't make the best deals? He can't make the best deal. You're gonNA miss some of these deals. We talk about here on the other line here on Kevin Neal's real estate foreclosures can be fun now. Of course you don't WanNa Reverend someone's misfortune but I've got to tell you With with all due respect in all honesty Some of these properties are just beautiful. And you can't miss out on these and if that means that I've got a laugh in the face of some schmuck who lost his home to the bank. That's exactly we're going to do all right. Let's see the phone call here and we got Tiger his name tiger. How're you doing this morning? Yeah I'm I'm doing good. I'm calling from the same town that that other gentleman was calling from and that is one springs Woodland Hills Woodland Hills Woodland Hills and when it got force. I'm losing my home in Woodland Hills. Five hundred eight thousand dollars There's a home that has three baths two or three bedrooms. Two Info Baz sixteen hundred and twenty five square feet rather modest home in Woodland Hills It's got a small yard where we had a Doggie. They played and my children would play in the aren't anyway. I lost it. 'CAUSE I lost my job and how's that signed a bad trying to ban Dale though you were stupid you were a stupid stupid stupid stupid to what is going on with him. Anyway this is because he had repossesses own parents. Why would he do some of that? What do you mean why would he do something like they weren't paying? I understand that but there his parents. You're not gonNA throw your parents out of a house. Do allow them to stay there until they were able to get their finances together. I'll take my parents and throw them one. St Killing very successful real estate buyer seller he flips houses. He develops property. He's very good at what he does. No no he's good at what he does. I mean I listen to the show. I'm just saying God. Damn if he feels that bad about tone as parents out of the house and every time he who says you do but I mean he sounds like he's GonNa just breakdown. Blackie belongs in in an insane hospital in the hospitals where they put insane. He's very emotionally strong. That's why Kevin so good. You're he's good but he's GonNa wind up in the mental asylum. I think the only if you call it's tiger right. Yes ma'am and you get that name. Oh just a baseball used to call him in baseball tiger. I tear ass around a basis. You know burying like that. Thank you okay. I don't I don't give any. Yeah I'm okay Kevin Colonial here and I'm very very sorry folks I have Periodic problems Trying to keep my act together as we talk about foreclosures and so so many people think that I'm some kind of assistance sleeping that I'm some kind of A. She's a plus. Yeah some people may think I'm some kind of a pussy you know. Well let me tell you something right. Now I'm a hard nosed businessman. Okay I'm a hard nosed businessman and what I'm trying to do is tell you this if you're a house owner if you're a homeowner and you bought a lot of house and you can't afford the house now has about going back to the bank had foreclosed on and you're being foreclosed on because you were so goddamn stupid when you buy what the Hell's it might fall into anything about it. Got Better Kevin O'Neill real estate on the line. We'll be right back. Everybody Kevin O'Neill here the Ten Commandments. Of Real estate buying can be yours and I got especially especially uprising. Obligate the ten commandments of real estate. Black half price now fifteen dollars for the Ten Commandments. Real estate buying it's hard cover. It's in paperback and it should be on your bookshelf. Shell because these are the ten commandments that you need to know. When you're buying foreclosed property are those people out of there? Are they being a pain. Get him out of there. Get the police get armed. Get armed people get your own private security but get them out. You got a squatter. Some of these people with their high Falutin ideas of socialism on the go live in a house and this and that let me tell you similar Kevin Khalil property. Nobody squad snow. They see me coming and they're out of that house as a matter of fact that they even smell the idea that I'm coming. They're on their way down the road. No one but no one squats in Kevin Cooney will purchase foreclosed upon family thrown out house. Kevin Neal's ten commandments of real estate. You've never read anything anything like it. Change Your Life available now being hardcover being available in hardcover available in hardcover refrained when you read the Ten Commandments of real estate. By you'll get hard earned all right. We'll go back everybody here to real estate of the line. He'll the Caledonia. They show dressing up a little bit. We are looking at some of these foreclosed upon properties. Here in the state of California I you know what the places where you're not gonNA find foreclosed upon properties if you're looking to fill TV right now. I'M GONNA go over here. Lewis here the cities where there are foreclosed properties. But do you see on the ends the ends you see Newport beach that scene you know you. You don't know why the people there pay their bills. Yes they do in new pipe beats people. There are wealthy and they do pay their bills they do pay their bills. Let's go to Beverly Everley Hill. SUPERFUND barely as I have no idea for fun. Beverly Hills There's no as there's no. Bees is interesting. Isn't it top fifty. Well let's go back here. Let's see if there's anything in Beverly Hills nothing. But there is Brentwood. Let's take a look at Brentwood. See what they got in Brentwood brick. We might be really good by you. Just don't know here's Brentwood California and folks this is Brentwood California this whereas OJ lived this is where OJ o j Simpson lived. Let's take this foreclosure here. It is right. Here in Brentwood California. But this is Brentwood California up in the bay area where migrant workers used to live all. Oh dirty pool. I was kidding around with you but I thought I just got a mess. Around with Brentwood California is the bay area. And let me tell you I been up there and it's a beautiful area. You know. There is a beautiful beautiful area. This is the East Bay as you travel. The Bay you're going through towns like Moraga you're going through towns concord. You're going through. Sounds like Pittsburgh you went through these different little little toddler. East Bay California. And you come upon Brentwood California and I'm down here to tell you this. This is a two hundred ninety thousand dollars closure this being sold right now. Look Lucas Kevin Three beds. Two foot three bedrooms two baths eleven hundred and eighty thousand square feet. Beautiful a great place to raise kids and look at that all brick beautiful. The patio the beginning their lawn. If you have to do a little bit of landscaping but I'm telling you right now. I think this is a very nice value and take a look at this. Look look at this. Year is the hardwood floors in the living room. And there's the kitchen cabinet work there. That's all brand new cabinet. Work Right there you can see they have the gas stove which you gotTa have beautiful a little kitchen look at this. Here's a family room as office actually ceiling fan lovely tile decor lamb. I love tile. I love me some tile I I tell you I hate carpeting. If it's not the kind of carpeting they got hardwood floors here in the living room the tile I love me some hardwood floor. I love me some tile and I'll tell you this is not kitchen isn't that nice and look at the Little Picnic Bench style kitchen nook where people will eat the records so this is a two hundred nine hundred thousand dollar home that has been foreclosed upon aisle. Snap this this up and I can turn this into a half a million dollar property before you can say Captain Kangaroo and Mr Green Jeans are getting married. I'm here I'm here. I tell you right that time time here to tell you. That's what we do. That's what I do. That's what I do. Kevin real estate purchases real estate of the line here the foreclosures. Because I'm not like a lot of people lose their homes a fucking idiot just not man. It takes a lot out of me. Oh God oh Evan Kohn Neal's real estate on the line the joy of foreclosures. Have you been thrown out of your home. And you're still squatting there anyway please. Do everyone a favor do those of us who want to buy your home and flip it a favor and get out before vote. We have to fly a hire private armed security. I repeat again because I'm reading the the announcement that Kevin gave me let me do that. I'll read it to you because 'cause you kinda blowing it here today. You're the one that's stupid. I understand yes. You're squatting in a home that you have that you have been ordered to leave and and and and I don't imagine too many people do that anymore but just in case you are you're squatting home that you've been ordered to leave by the Sheriff Department because there is a new buyer and they're coming in and they're going to live there. The squadron there remember that we will hire private armed security private armed security not afraid to use the gun to use the gun and we will use gun. Because you're the guy that got pitched out of that house because you're stupid. This is Kevin Neal's real estate on the line. I'm Audrey attribute Kevin's been working with a psychiatrist. Dr Maximum Sheldon inductors Sheldon has been able to work with Kevin on minimizing containing the anger around the word stupid so that it does not affect the immediate two three four five minutes after he says the word. The problem. Poor cavernous had is that his mood is completely disrupted following the use of that word stupid It's really the emotion that he feels That's what he thinks that his father being stupid and start to make some Sheldon's going to join us right now that you shell them. Good morning this is really really have you. I'm very good. Thank you for having me on your program. I noticed German and you know Sigmund Freud. I think was German Austrian. Three every every psychiatrist is that we want to trust the team. You have German accents. Ah It is I could type you know of How we feel about this? I just looked up to figure. L. Some kind but I studied at the school that call young at their second psychoanalytic institute in Vienna Sigmund Freud studied for call young studied Tell Young Sigmund Freud's fan yeah spread. Well let's talk about Kevin and his issue around his father. Well I think what's dealing with Kevin When he says you'll stupid dupage that night angrily I think he's not processed to give the deals for having thrown his father and his money into the street? And do you know what happened to his father. and mother died of exposure. They were living in the street thereafter. They died very quickly within ninety days. Did they died from exposure. Yes they died from. The combination of the cold is finally got pneumonia and when they were found they were huddled against the wall of a bakery. Because that was the only warmth they could get okay. Well well I think that He's stumbling from guilt and they have to process that we have to make him feel better. T- shouldn't be guilty about that. They didn't pay we didn't pay and so they bought their own death. You might say is the is the Kevin's here but he doesn't need to show Kevin come running here Kevin. We're still on the air real estate on the line is not only. Are they got the doctor. What's that I have Dr Sheldon within here? He's a psychiatrist and he wants to talk to you. Good Morning Dr. Good morning to you Kevin. Can I ask you a question. You'll feel guilty about father and your mother I I I feel very guilty about my father. And mother factor too. I threw them out of a home. I was carrying the I was carrying note on this. All right for you it financed to speak. You had that you on the home. I I had purchased the home of the home that we purchased was a foreclosure and I said well. This is beautiful we through these people out and I told them to get out because my parents were living there now and we had to get armed security purity to go in and And finally had us a little bit of persuasions some guy and his wife and he thought he was the second coming quakers that he thought he was all tough and thought he was going to be some sort of Bolshevik and all it took was a couple of swings of this billy stick and he suddenly said you know what I get it. I really shouldn't be here and I said Yeah. You better believe that. Get your ass out of here. Get Your raggedy ass. You're I understand but the parents smooth in appearance in and then they didn't make their payments in understanding that they did not make the payments on the note and I felt I had to make a move because it was gonna cost me money. Fly To carry them in that house. Carry their their you know. Carry their asses In that Hobby and I love my parents love them but I don't have to carry them. It's going to cost me money entirely understandable and so you have said I have to unless you make the payment I have cool for you. Yes I said unless you make this payment I'm going to have to throw you up okay. And so And they did not make the payments with him out on the street. Yeah I am nationally Jerry. They di- didn't they. Yes is that Jerry. Yes Me Jerry. They died and you've been feeling guilty about that feeling guilty about. I really feel guilty about it. You should feel guilty realty. Your mother and father deadbeats dead be did love pay The note they agreed to pay. And and so you did the only logical thing you could do was to take them into them and just tweet to teach immolation. Why do you feel about that but I do feel the joke about that? Because they're my parents I should. You should what you should take the. Because they're your parents doesn't when you take it dry told to take it by you get a little bit of blue on that thing you know you don't take pie because they're your parents you decided you had the bend all the grab your Anka when look back when go okay and mom and Dad I let you slip at right right. Splintered Bloom that you're holding now go ahead. I just love it saw and then they put it in. Did you pudding how did it feel. It didn't feel good. Don't feel good splintered and dry broom handles slut. Broad didn't feel good so so you did the only thing you knew how to do and that was to say I don't want to take it by. I have to pitch them. Otherwise I'm GonNa be picking. Spent his alibi hack them. You're right about it. What do you like a bitch you know when you like a bitch you a bitch the what he sees you as a beach? You don't want that. Do you know I know Ken don't do it. I just say that I should feel you should feel happy that you took business matters into your own hands and you didn't take apply and you did not take this kind of silly shits from your. I'm older and further. Now I know they died of exposure. I know that we are aware that they were out there in the cold. I mean I knew sleeping against the the wall of a bakery because it was warm. Of course that was a smart loose. That's probably the only thing spot they've done in the last. How many years isn't it isn't it? Yes Sir so what I want you to do is to stop. I'm going to give you a bitchy Eh. I four something You know I don't know what they give you prescription for some kind of penguin. Is You know feel better. And by the way you get the microphone takes the MIC plot. Here's thank you very much. Well I can tell you audra. You've always looked out for me. I just thought it would be good for you to talk to the doctor. I think it's really get Kevin. Thank you very much. I mean this lady has looked out for me for so many years. Ever since we had sexual intimacy in contact there in the back of my truck As we were looking looking at properties in the Imperial Valley way back. When we're GONNA find anything? Well I'll tell you what there's nothing like this lady and she's looked after me and made me feel real good and real. That's it for today. I thought the show had already ended but apparently had to be psychoanalyze there and My parents my parents the reason why they got thrown in that house because they were stupid. Okay Jerry Kevin O'Neill Jerry colonial is the guy I wanna be. I think I'm going to be that after. I mask through the word stupid if it stupid that I think I'll change my name to Jerry Cornelius real estate on the line here foreclosures and foreclosure buying and selling and flipping living and refurbishing and also all of the things that come with dealing with foreclosures including armed private security to get those squatters outta there Kevin koe nails real estate on the line joined Kevin every week at this time on this channel in this vicinity in this town in this sector in this state on this planet for real estate on the line. Don't forget to get Kevin's book the Ten Commandments of foreclosure buying the the ten commandments of the foreclosure. Ten Commandments of four. Let me just read the copy again. The foreclosures of Oh the ten commandments of foreclosure. Buying I had it right. The second time available now by sending a self addressed stamped envelope to Kevin O'Neill in care of this station I'd remember don't be stupid. Shit The Laura

Kevin Kevin Kevin DOC Kevin Neal Ms Kevin O'Neill Kevin Cooney Kevin O'Neill Kevin Colonials Kevin Koe California Kevin Boom Kevin Colonial Kevin Neal Konia Kevin Kevin colonial Kevin neels Kevin Cutting Audrey
How to Rent an Apartment When You Have Bad Credit (Hour 1)

The Dave Ramsey Show

40:25 min | 2 years ago

How to Rent an Apartment When You Have Bad Credit (Hour 1)

"The headquarters of Ramsey solutions. Broadcasting of the dollar car rental studio. This is the Ramsey show where America hangs out a conversation about your life, and your money. I'm Chris HOGAN billion for Dave, and I'm joined in studio, this hour by national bestselling author, Mr. Anthony O'Neill America. Chris HOGAN, get to be on sell again today, which you man, it's good to have you, my friend, and we are excited America to take your calls about money. So we need to hear from you. The number to call is eight eight eight two five five two two five again, that's triple eight eight to five five two two five or you can look for us on social at Ramsey show on all the platforms, you can find us there. And you can find me at Chris HOGAN, three sixty or Mr. Anthony O'Neill himself at Anthony O'Neill and we're here for you. So we're going to jump to the phones right now. We've got Tanya on the line, and she's calling from Salt Lake City Utah. Aw, tanya. How are you? I'm great. Thank you, both for taking my call. Oh, you're very welcome. What's on your mind? So I, I should about prioritizing student loan payments or I had a chance. I could get research grant. I'm upset colty member research professor, and the grant that I'm applying for this year com with Mona payment, if they were successful. So I'm kinda torn about, you know, paying that pain that loan off aggressively as I have been or paying the minimum and kind of getting a jump start on baby. Steps to raise dodgers. So tell me right now about the debt that you have existing Tania and I have about twenty thousand dollars in student loans remaining on my paid off about twenty thousand dollars in the last year about anti about forty eight thousand good job. Okay, is that twenty eight thousand is that all one loan or is that multiple? It's all one. I had I was in force. Everybody was consolidated to. One. Okay. Gotcha. And what else do you on back? Well, we have a house. Okay. So looking at this. And so what are the odds of this repayment happening toward the student loans? I think realistically my chance there, probably about thirty percents of getting one of these phone payment grants within the next year to and looking at this. I'm gonna tell you, Anthony, I want you to chime in on this tiny I like dealing in the know versus the unknown. And what I mean by that is I love the aggressive nature of what you've been doing. You've already paid off twenty thousand dollars worth of debt. What's your household income as it stands right now? And my base salary about seventy six thousand but that can go up with grant so for the next fiscal year, it'd be ninety three thousand and my husband is in sales, and there is between two hundred sixty two I'm sorry here, husbands varies from what about two hundred two hundred fifty thousand. Okay. All right. Yeah. I'm gonna attack these student loan. I mean I'm going to look at this thirty percent. That's a low per se. Scented, knit Tanya three high for research most of the grants we apply for about, like ten percent chance. Will listen you know what motivated you to pay off the twenty thousand you've already paid off? Why did you do that? I didn't want it. And we're wanting to start a family and I want this the debt gone 'cause I brought it into our marriage. Absolutely. And so looking at that you wanting to start a family. I like the idea of you staying aggressive, Anthony. What's your thought? And here's my thoughts HOGAN and Tanya. I hear you. I'm excited that you're, you're Gresley went into go after the student loans. But when I look at the math, you're making about thirty two thousand dollars a month between three hundred thousand dollars top line, you're possibly ninety three thousand dollars a year. That's about thirty thousand dollars a month with twenty eight thousand dollars student loan debt. I'm aggressively going after this debt because I can knock it off real real quick. But then about three to six months. I mean, if you really go after within three to four months, you could be out of debt, you can have financial freedom. And what I do not want to do is sit back. And wait on a possible grant when you have guaranteed funds coming in that can guarantee you financial future here sooner than later. But I get it you know, there's a possibility that you can get the refund get the repayment plan throughout this grant. But here's here's a for sure thing, you and your husband can attack this debt right now. And Tonya, the idea of you guys wanting to start a family. What's the timeframe? Probably next year start trying. Okay. All right. And how many do you want Tanya? How many kids do you want? I'm just curious to okay. No more at. How many does your husband want to? That's exactly right. He doesn't have a vote does a number. But I liked idea of you guys. Go ahead and attack it just because I've seen and heard so many times that these programs can change Anthony. There's some loopholes in there. I'm not put my life on pause. Now is in recent study just came HOGAN that nearly only three percent of the individuals who apply for the grant at St. got the refund. And so I I'm with you. I'm not putting nothing on pause. I'm going to Greg give I have the control of my future. I have the income coming in. She's not hurting. They're not hurting from the financial perspective. You know, this is the only debt plus their mortgage, and they have no kids right now on aggressively going after big. Shoveled I got a good income. And that's a good thing. All right. We're going back to the phone. So we've got. Rachel on the line from Los Angeles, Rachel how argue. Hey, I'm doing good. How are you guys? I'm focused not finished. How can we help you today? Okay. So I'm a bit of a situation. So I was given a move out date, which is timber for. So I'm trying to find my own apartment. The problem is, is that from a bad separation, I acquired to repossessions that happened about four and five years ago. So I have been rejected because of that. Although I do have a, a decent credit score. So I'm not really sure on what to do in regards to this, because it's preventing me from being accepted and in certain apartments for the separation was this, a separation from marriage or dating? Yes, there's marriage. Okay. Gotcha. And how long ago to these repossessions happen. So the first one was five years ago, and the second one was four years ago. All right. And so the, the process. So your name was on the loan for both of those. Unfortunately, yes. All right. And so those are still listing on your credit. Have you seen your credit report? I haven't I haven't printed out, but I have seen my score and I know what accounts are opened and water close. Okay. I'm not worried about the score. I'm just saying being able to see the credit report for you can see the items that are showing up as on the repossession here. Here's the thing, you know, looking at this, the mindset, it's really going to bowl down to you talking to a property management company that is willing to work with you, I would lead with, hey, I've got some repossessions on my credit from a former marriage, that's old four and five years old. And, you know, if that's an issue, we need to talk about it, but I have money, so do you have the money for security deposit? I do force security deposit. But one of them is, is asking for six months in advance. Security deposit. Or. Yeah. If I'm not if I don't get approved credit wise and they want six months in advance and I can't do that. Ask him for kidney to. I mean that's just absolutely recommend HOGAN because I remember being in this situation with when I was paying off my debt, you gotta have security Pasi, and I want to come up with the first and last month rent, and you're going to have to do some research desk, going to have to have to happen. Rachel. There are several ones out there in Los Angeles that can help you out, but you need to come up with more money, I want you to hold on the line, Rachel. We're gonna come back after this break in. We're gonna dig into this a little bit more and help you hang tight. This is the Dave Ramsey show. Is there something interfering with your happiness? Whatever struggles you're facing from depression, anxiety, trauma, and grief better. Help can connect you with a licensed, professional counselor in a safe and private online or mobile environment. It's so convenient. You can schedule secure video or phone sessions, as well as chat and text with your therapist, and anything you share is completely confidential. Best of all, it's affordable. Get ten percent off your first month when use discount code Ramsey. That's better H E L, P dot com slash Ramsey. L O, America. This is the Dave Ramsey show. I'm Chris HOGAN, filling in for Dave Ramsey and I'm joined in studio, this hour by national bestselling author Anthony O'Neill before we went to the break. We talked to Rachel out in California who's dealing with the situation. She's got a couple of former repossessions on credit from four and five years ago. And she's looking for some guidance on what step is she supposed to take. What does she do? And how does she begin to, to, to, to move forward? Right and help herself. So Rachel are you back. Okay, fantastic. All right. Anthony, what's your thought I was telling you earlier is that when I was in this situation, myself that was really repossession just really actually, honestly bad credit because I just paid off all my collection items wanted a very first things that I did is I went on yelp. And I said, hey up I typed in. No credit check apartments and a long list of apartment complexes came up and a lot of them will require security, posit, first and last month rent plus proof of income, but then the last two years. And so one thing I recommend for you to do right now. Rachel is one. Why are you working on getting yourself back onto a healthy financial perspective? Going ahead and secure some finances, that you could put down, but go check yelp, because yet will give you the top ten to twenty apartment complexes surrounding city. And while we were on break, I looked for you, and there are some pretty decent and nice ones in the Los Angeles area, HOGAN, that can help her, but they are. Require some money. Okay, good. Now, Rachel what, what other debt do you have right now? I just have student loans. I paid off all of my credit cards and a couple of student loans. So I probably have about either fix of left five or six student loans, totaling how much. It's about twenty two thousand dollars. Okay. And then how much have you paid off in the past? I was around thirty five thousand so brought it down to twenty two. Good. So you you've been intentional what is your income right now? It's about forty thousand and I actually just got my second job back. So I'll be making a little extra money every month. And how long have you been on the on the primary job? January was three years have and what I'm asking that for is because they oftentimes will look at length of employment because they're trying to look at your stability and kind of where you are. And so do what Anthony talked about checkout. Yeah. But I want you to also get a copy of your credit report, you see out in the credit report world. I'm a former banker there are three credit repositories out there. There's trans union experience an equifax and typically banks and other lending institutions, Rachel will look at what's called a Tri merge report. And that's a combination of all three of those. Now you can get a copy of each one for free each year. And so if I were you I would go online and actually get your credit report, so you can see because at the bottom of your credit reports typically where the collection accounts or the negative action things will show and that sounds like what the property management companies are looking at. So you need to see what's on there and really begin to be able to communicate that, but as Anthony saying it's. Gonna require money. And so go in talk with the companies look on yelp have a conversation with them over the phone and let them know what's going on, so you can kinda talk to them and begin to see. And again, this is an initial thing right where you're moving in the right direction. So moving that direction begin to look at this, and I'd also contact the companies were the vehicle was repossessed and begin to talk with him about win. Does that fall off every state law is a little bit different? And it'll allow you to be aware of where you stand in what you can do moving forward. But I'm proud of you for attacking debt. Stay focused. Don't be discouraged. You can fix this, and you begin to move forward and put this all behind you. Now America can we address something here again? How often do people say, you know what I'm going to get this car? I'm going to get this credit card because nothing will happen. I'm pretty sure they got this car saying, you know, we're going to be all right. Bhagat into debt, we're gonna be alright. She didn't see this happening now that this has happened. Look at where she is today. And so for America, I want you to hear this in this is why we're so adamant about staying away from debt because now you're pass is impacting your president and your president is impacting your future. This is why we want you debt free. So that way, when life does happen. It doesn't hurt you can still move forward. No. You're absolutely right. And that awareness allows us to stay in control of what we're doing today. And right now. All right. Going back to the phone. I've got just gone the line in Chicago, Illinois. Just how are you? Hi Kristie for taking my call. You're welcome. Young lady, what's happening. Well, I am actually calling about my parents, they are in their lower sixties, and really ever since the recession. They have been in and out of work prior to the recession. Their income was ranging between four hundred and five hundred thousand and how their income is close to thirty thousand they lost their house back when the recession happened. They actually filed for bankruptcy. And now it looks like they're down the path to repeat the same thing. They have purchased a house that they have been unable to pay the mortgage on really for the past six months. And this really what I'm seeking your advice on is really what they should do with this house. And as they prepare to head into retirement, what really what advice gives them. What would they do in with their income was forty five hundred thousand? Spending. No, they earn it what John McCall. My dad was in sales tech high-tech sales, and my mom didn't work. All right. And so now what line of work is he n he has been in and out of sales? I think he's saying a lot of trouble keeping maintaining job for whatever reason and then getting rehired, maybe because of his age. I don't know. And then he actually just like hustling, working at Costco, right now and Amazon someone sent are I mean, they're just doing whatever they can't have food on the table. And so they ended up filing bankruptcy. They lost the other home and down ten years ago, ten years ago, anti which thought. I'm have a conversation with, with my parents, you know, I'm going to sit down and out of love. I just had a recent conversation with, with my parents out of love and just in. Hey, mom, and dad. I'm seeing some things out of we come together. How can I help you? How can we had this conversation because I generally want the very best for you. And here's the thing, your parents are parents. I mean they're, they're grown people. So they're gonna make their own decisions, but I think from your place one don't get stressed out for yourself and do not allow it to come into birding within your life. But go go and have the conversation in love with them. That's the best thing I can say at this present Jessica looking at this, I know you care about your parents, and you want them to be well, but they're going to have to make some decisions. I mean, I'm gonna send you some things for them the total money makeover, and obviously and membership into the financial peace university. But if they're willing I mean, and that's the thing even as you being their daughter. You look at it and you know about their. Are they talking with you openly about this yet? Yeah, we actually had sort of an intervention my sisters. I am sat down to talk with that way, went through, and it had them exposed all their finances to us, how concerned we are we taking over so much of the student, you know, parent, plus loans over three hundred thousand impair, plus, loans that they took out recipes taking those over trying to relieve all the bird and that we can now this house that they own. It's like shook they just foreclose on it and move what they've invested should they try to hold onto it. Which is expected. How did they respond to the intervention by you all as their children? They responded very well in almost relief because they don't have any, they don't have a penny saved for retirement. So they know they're going to need our health teacher barris embraced. Well, you mentioned there behind about six months on the mortgage, and so you know, based on kind of. Where you are. I mean, you know, foreclosure processes probably happening, or is about to. And so the reality is, as I liked that they're willing to listen, and they want the help, but here's the deal. No sitting back and doing nothing is not an option. I won't you all to have your parents reach out contact the lender begin to have a conversation on what can be done to catch up this loan. Right. And let the Bank work with you like the Bank doesn't want the property Heo. They don't they people think that and that's just not true. They want the payment. So let's reach out have a conversation with the Bank have your parents, do this not you. Jessica, they need to do this, because that's them standing up for themselves. But then as you all, again, to have that conversation, you can get in the loop, but they need to be proactive sitting back and doing nothing as a not a formula for success. That's a formula for drama. We don't want drama. We want progress. Jessica, we're going to send you financial peace university for your parents and listen. Keep cheering them on keep guided them as much as you can because. This can get fixed this is that Ramsey show. Business leaders, let's talk about my friends at ZipRecruiter and how you need them. Help you hire year rockstar team. They make it easy ZipRecruiter since your job to over one hundred of the web's leading job boards, and then invites the right people to apply for your job. Ziprecruiter is so effective that four out of five employers who post on ZipRecruiter get a quality candidate through the site within the first day. Try ZipRecruiter for free at ZipRecruiter dot com slash Dave, ZipRecruiter dot com slash D. A. V. E. You are listening to the Dave Ramsey show. I'm Chris HOGAN, filling in for Dave, and I'm joined in studio by national bestselling author team and millennial expert Mr. Anthony. O'neill and listen, we wanna hear from you. We're taking your calls about your life in your money. So give us a call that number to call triple eight eight to five five, two two five. Again, that's eight eight eight two five five two two five or you can find us on social media at Ramsey show. Phil free to send us your question via Twitter or Facebook or have you wanna Senate? We're here for you. So during the break Anthony, had told me that he found an article that he really wanted to talk about any won't. Tell me anything about it. And so I'm interested to know. All right, Anthony, what is this? You found can. Well, you know how can I am working on doing something here with the company that's really aggressively going after where we are with the student loan crisis. You know, there's literally one point six trillion dollars currently to today's date instant loan debt and just even just to back this up a little bit. Chris, because I want to set this up correctly, just so America can no nineteen fifty eight is, when student loan started, we crossed over to one trillion dollars in student loan debt in two thousand twelve and two thousand nineteen we're already at one point six. So what took us fifty four years to do. One trillion is taking a seven years to get to one point six trillion. So we'll be literally to truly within the next two or three years, maybe keeping this up. So in ten years, we're doing cost, what took us fifty four years. And so pay scale salary Chris just came out with a recent study. And they say that two thirds of American workers regret their college degrees. Oh, wow. What's that percentage is who third row of hard working people who get up every single day and go to work regret their college degree? Hold on a second. Do they regret the degree or do they regret how they got it because loan we're gonna talk about. Okay. Alright. So most responded to pay scales, pay scale salary survey report having college regrets, particularly about their student loans. And so now what got me is that the odor generation those with higher education levels in those that studied, higher earning majors had the lowest rates of college regret. So the older generations in their sixties in their seventies don't really have that regret. But I wouldn't have that regret neither because the cost of college bag them when they were going to college was not as much as it is today. And so also something that stood out to me on this article was our research shows that the vast majority nearly two-thirds of those with, at least a Bashar Sagredo regret. Something about the education by far the most common regret reported was student loans student loans in the year of two thousand nineteen we've already went up to billion dollars in student loan debt. Every single day. Twenty eight seconds. Every twenty seconds HOGAN, somebody goes into default when it comes to student loans right now. Eight million people in student loan default a million every single year. This is a huge issue in some of the some of the program, some of the major said that I'm seeing here that are the least the least what they're just not excited about his health and science. Our social studies education business who manages computer science physical in life. Science communications, all these are degrees that you don't have to go to school for, so they're spending all this money, and you do not necessarily have to go to college to be successful in that area. And so one thing I'm learning. And I'm so passionate about this HOGAN. Thanks. Let me talk about it on today's show is, we have to start addressing this, and we have to start teaching our young people, especially parents on how to get our kids into college in through college debt free, and here's the truth. College. It may not be for everyone. It may not be. We need to stop sending them to AVI Lee schools, when he stopped sending them out of state. We start sending them to afford, -able schools, and affordable schools are schools, that maybe a two year community college a trade school. I'm you name it. That is something free in affordable pay for either via scholarships or cash. No, you're absolutely right. I think understanding where we are in almost being at two trillion. We gotta understand that it's broke the system is broke and the mindset around. It is the best way to break a cycle is the stop one. And I think that's a matter of people understanding, and moving in a direction to understand what are the options out there and I love that you mentioned community colleges because being able to go there and take pay three to four hundred dollars for a class versus causing twelve hundred dollars at a at a at a fancy school. We just need to understand that this is a massive decision that we can't allow seventeen and eighteen year old to make on their own. We can't do that. And the community college HOGAN, this about this average community college throughout the United States of America's on range anywhere between three and five thousand dollars, eight year you were twenty hours a week. You can pay cash for that. But if you go to states like if you live in states like Tennessee or New York, they have free programs where you can go to community college for free and what we need to start educating, our younger people us, there's nothing wrong with going to a community college because community causes how you start it isn't really matter where you get a degree from it just matters. Do you have the education can you perform the job? It doesn't. If you go to Harvard doesn't make you better than someone who started off at a community college. No. In my opinion, you're smarter than that person who went to Harvard because you're thinking about your future. Yeah. Well, I think there are many ways to get there and I think higher education as a good thing. I don't wanna come off, and I'm not gonna I got a few degrees myself, but Walkin through it. I think it's understanding how you go about it. And it's interesting that you mentioned regret. Right. Because regret is one of those things that. You can look back on and say, I wish I'd have done some things different, right. And that's what I call experience too, because we all can look at it and realize, hey, boy, if I could do that over, I would do this, this, or this a little bit different and that's perspective. And so it helps us to understand kind of where we are in what's going on. So I won't and courage parents out there to have those conversations with your young people like begin to think about what's their career path. What did they want to do? And what's a way that they can start to go in turn or to connect and get a mentor in that area and star having a conversation? Now, you know, oddly education is very important, and I believe, like you said, there's many ways to go about getting education, but worked together with your child to help them build a Saudi foundation for their future. If your child is not doing the best in high in high school right now, maybe in curse look into the military's in military will give themselves discipline, you'll get them a job. Give them income than also pay for the education. So let's sit that this step back. Okay. Look look at all. Are options son and daughter you're good in this area. You're great in this area. This is where we think you should be going. But do not say, hey, what do you wanna do Indesit? We're going to do they're too young to make that. I agree with you. Listen, I went to college with a few buddies of mine that changed majors like change clothes, and it's one of those they had no idea. And so even as they go and knock out prerequisites that's a great opportunity to do that. In a community college setting much cheaper while they figure out what they're interested in doing. You can't expect a seventeen year old to know exactly what it is. They want to do, but you do know the prerequisites the foreign language the math humanities, all these things have to be taken care of do that a community college while they're living at home, and they can work and go to school at night. And you know, HOGAN within it bothers me with parents, his, I want them to go to their dream school. They don't know what a dream school is and dreams. Go to me is an affordable school awhile like that. Yeah, we're not gonna pick a school based on a mascot or sports now. Now. No, we got to. Big decisions here. And here's the thing we realized a long jetty of some of his debt and for those that are out there that have done student loans were not picking on you. We're talking about helping to help people as they move forward now to make better decisions. I'm talking to people all the time on my show. The Chris HOGAN show of millennials that are getting intentional and attacking the student loan debt. And I'm talking Anthony. They're cutting back lifestyle. Okay. They're taking on extra jobs and they're throwing money at this debt. I talked to a couple hold on. I wrote it down last week, talk with them. They were twenty six and twenty seven years old. They paid off eighty five thousand dollars through loans. Here's what they did. They lived on one income, Anthony Daska devoted the other income toward the student loan debt. Now, imagine this now that's going to take some awareness, but some sacrifice, but they knew if they did that within two and a half years, they could have that debt out of their life. And guess what they did it America. And so now it's a matter of us making decisions. Let's help young people on the front end make wiser decisions moving forward. But those of you out there with student loan debt, Jek, Sallie Mae get her out of your life. She doesn't love you. She just won't your money. This is the Dave Ramsey show. America. You're listening to the Dave Ramsey show. I'm Chris HOGAN, filling in for day and I'm joined in studio by Anthea Neil hoop afford, the break, just really jumped in, and we were tackling the student loan issue. Anthony of people are out there, and they've got young people that they're talking to, or they're young person themselves or even a genetics gen Y. That's indisposition where can they find more information from you about this man? Have a lot of great resources when HOGAN on my website. Anthony, Neil dot com that teaches young people teenagers who will go into college and millennials who are in college currently how to get into college. Look up scholarships the Cup grants and get through college whinge percent debt free. And then every single Monday Monday, I'm answering questions. Live on my YouTube channel. I'm so they can go to YouTube four slash at Anthony O'Neill or my Instagram. I'm doing a live every Monday and Thursday. And I'm just jumping on having real conversations about how do we? Do this. How do I pay off my student loans? How lit up scholarships? How do I really present myself and prepare myself for my college experience moving forward? Because I'm I'm excited about this message man. Yeah. I know it's a big deal. It's necessary. And I look at it through the lens of helping people to be able to forbid wealth to be able to pay for their retirement will this student loan thing is, is a hurdle. And so we've got to help people in that so America, you heard him, you can find out more about Anthony, Neil and Anthea O'neil dot com and really dig in on this. This is not something that's gonna fix it self. We've got to make decisions. And when we have the right information, we can make better decisions. All right. I'm going back to the phones. Got I lean Cincinnati. I lean how can I help you? Hi. I have a question and maybe some advice. And opinions my husband and I really have a desire to eventually on a small, hold on maybe five six acres of land. He is a nature person. He has been long force -ment and that's his outlet from his job. And we want to give them advice on the best way to achieve this goal probably within the next year or two. You say you want to own a small home. Are you talking about one of them tiny houses now? No, we have two children. Small cake. Con three bedrooms. Yes. Averitt. So I like this. You guys have a goal of homeownership. So I need to know some details, what baby step are you on? Well, we are past the thousand dollars in faming, that's passed that snowball. All our credit. Cards are paid off. It's also we had five thousand dollars left alone, and we have to vehicles so that was our current home, because we're already homeowners during our current debt is about twenty five thousand that includes the five thousand student loan and are two vehicles. Our plan is to have that paid off next April. I every year we get a very large amount of bonus for the work that I do. And that's has really helped us pay all of our awesome, Arlene, what you say large bonus. Give me a ballpark range. What are you talking? Thirty eight thousand thirty five thirty eight thousand at grocer net. That is before acting. Okay dot you. Okay. So you guys are still on baby. Step number two, you're still attacking debt. Okay. You got some cars and you got a credit card. All right. Tell me about this current house. How much did you buy it for? We paid actually we've been in this home for about two and a half years. He paying to forty eight we all about two thirty and our plans based on the market and our area phones on our street are currently selling. They sell more selling this year for two eighty. Okay. All right. Well, look at this, I hear this and I say they've got a goal, but they still got some work to do you have a lot of what to do in the big goals is pretty much. They want to be a homeowner but I'm going to stick with following the baby steps on this. When HOGAN, I, I want to go ahead and finish paying off all your debt, debt from smallest to largest, we already know that I'll lane and then after that, before I even consider look into a how looking into a house, I'm going to go ahead and get three to six months of emergencies. Eileen. Do you have any children? Yes. Ten and a seven year old. Yeah. So what I'm gonna do is I'm gonna recommended you all have at least six months sitting aside an emergency fund before looking into purchasing home, because babysat my three B is to start saving towards a home. But I'm going to make sure that I have I'm debt free. Have a nice nice emergency fund. Then I'm gonna talk. My husband say, hey, you know what I'm excited about this to start working about this process? You guys, you know, being in your current house, you know, where you are, and what you owe on it and it's good that you'll have a goal. But what's your in the timeframe, you said in one to two years, you all want to, to get into this home on land? Is that correct? Okay. And so the mindset would be I agree with Anthony. I'm gonna follow these baby steps, you guys have a good bonus coming in each and every year. And so you look at this and you go, I'm gonna Tak debt, and then whatever's left over by the time you get to this next bonus Eileen, I want you to get to begin to think about okay, where do we air Mark this money for as baby. Step three b for this next down payment, because, again, the market's fluctuating especially where you all are in Cincinnati. You need to reach out to a real estate ale to get a ballpark understanding of what your home is worth right now. And then it's good to have those goals. But I'm going to start to look also Anthony at places where where's this home with land, and, you know, that might require you guys get further outside of city limits, and you gotta start to that based on school district for your seven and ten year old. So I think it's a great goal to have now it's time to do homework. But again, I want you to hear me, you all are not in a position to buy another. Home. Okay. So I don't don't don't don't go look and try to find the perfect one and feel like you gotta make a move on it now. No, no, no, no. We got to do some cleanup. I write the student loan the credit card debt and the cars, then you can begin to look and say, after I get this fully-funded emergence fun. I may be able to make a move. Yes. Air. Why are you doing a homework as well? We wanna make sure that you're doing homework and makes you your Sesing. It may be getting five acres. It may stretch you want you to continue living way below your means. So make sure that whatever you're looking at is not going to stretch him put you back into living paycheck to paycheck. So maybe hoping going from five acres, they might be able to get two and a half acres. Maybe but at least living below their means and they're comfortable, and they're not being stretched, I like that it's an it's really beginning with the end in mind and Anthony, I'm gonna tell you and you've been here. You've done this seen a lot of people that are, are moving and trying to take on a home before they're really ready. And I think you know home ownership. Is the American dream? I get that. But what you don't want is the American nightmare of buying too much home. You know, and that's where you go look at something and you fall in love with it. And if not set a budget now, what happens is, you're out of whack outta whack and I have been to LA and in New York, and I've been into some really nice homes that have no furniture on the second floor. Okay. And so we have to be aware of this, and just slowdown buying a home as a massive decision, but it's not a right. Okay. Don't don't get caught up in that. It's okay to rent, and you rent to save up to clean up to get out of debt. But so also, you can save up money to buy, the right way. And that's what I did it. I just moved into my first house last year. Right. And I was, you know, renting Fennell as fifteen years of my life, and you know what it is peaceful to go into this home that I built that I had to go towards that our work to wars. And when I wake up on the first of the month, the only thing that I'm doing is paying my mortgage payment which. We all know that's still debt and I'm paying it off here in the next two to three years, because we believe we could deal within fifteen years fixed rate, but it's it feels so good. And I tell the young people all the time, do not listen to people and say, hey, you're wasting money when you're renting. No, you're not. You're setting yourself up like Chris said to do home ownership, the right and the healthy way. I'm tired of seeing young people out there living where I have a house, but you don't have account to Saito. I have a house, and I'm living paycheck to paycheck because I want to do this right now. Right. Or anthony. I'm also hearing people say, why did this because my family said is the thing we needed to do. No, listen, you gotta stay in controlling situation. You make decisions for youth is, is your life, and your money, but you have to take control. Well, listen, I wanna thank James Childs producer, associate producer Kelly, Daniel, and of course you America for the fantastic calls. This is the Dave Ramsey show. This is James Childs producer of the Dave Ramsey show. But you know you can now listen to the Dave Ramsey show on Pandora and Spotify all the ways to watch and listen. Check out our show page at daveramsey dot com slash show. Hey, if you've got questions about retirement investing becoming an everyday millionaire go bigger and broader with my man Chris HOGAN on the Chris HOGAN show. I am excited to be able to talk to you all weekend and week out we're going to focus on your calls, and it's going to focus on building wealth investing, and how to become an everyday millionaire subscribe, and the Chris HOGAN show, wherever you listen to podcasts. Hey, it's James producer of the Dave Ramsey show. This episode is over the check the episode notes for links to products and services. You've heard about during this episode. Thanks for listening.

Chris HOGAN Mr. Anthony Dave Ramsey America Anthony O'Neill Rachel Tanya Mr. Anthony O'Neill America Los Angeles yelp Ramsey solutions Jessica dodgers Cincinnati Anthony New York Tania professor
We LOVE This Valentine's Day Debt-Free Scream! (Hour 2)

The Dave Ramsey Show

39:56 min | 2 years ago

We LOVE This Valentine's Day Debt-Free Scream! (Hour 2)

"Live from the headquarters of Ramsey solutions. Broadcasting from the dollar car rental studios. It's the Dave Ramsey show. Dad is dumb cash is king and the paid off home mortgage has taken the place of the BMW as the status symbol of choice. I am Dave Ramsey your host. Thank you for joining us. Open phones at triple eight eight to five five two two five. That's triple eight eight to five five two two five Markham starts off this hour in Houston. Hey, malcolm. Welcome to the Dave Ramsey show. Hey, Dave, how you doing about our than I deserve. What's up? Hey, dave. I've got a question for you about sixty K index, and and I drive a vehicle for living and I need to replace vaguely to the end of its its its lifetime. So I don't have any savings. They only equity. That I have is in my house, and I'm trying to figure out if it's if I should use trying to use some of equity, and I don't know where to turn ready to find that high to get an answer to judge. And what's your household income? Right now with with my own ings, and my wife zonings, we're probably right around eighty. Okay. And what are you driving your car right now? I have an seven hundred other see eastern about two hundred and sixty thousand miles in my my kinda yesterday say, you know, I think it's about time. We started looking at trying to do something different with its customer a lot of money to keep you on the road right now. You know, I love it. When you're mechanic says we are gonna do something different. Three four hundred miles a day. You know, so. So whatever you drive your destroying its value agreed. I mean. Yeah. And so moving up in cars, probably a good idea here. What will that car? Bring. Well, virtually nothing, you know. Two thousand Honda's two thousand seven Honda odyssey. It'll bring something. Probably bring couple of grants. Anyway, wouldn't it? You might get about fifteen hundred to run. That's what I was hoping something like that. And you probably need about ten thousand dollar one, right? Yeah. So there's the problem. Right. So dry for a couple of organizations pretty well known around the country. And also, Dr privately as a kind of a licensed show food is what is is what? Is is what I wanna do here. And the city of Houston has particular rules on what kind of vehicle you can drive to do that. And and so you're not doing that. Now. Correct. Yeah. But the two and is Asians dry full have have stipulations on how old vehicle can be driving for them. Now. That's right. Yep. Okay. And you're driving a two thousand dollar piece of crap now. Okay. And so I don't really care what their stipulations are. Apparently, you don't either. Okay. So you're not getting in the show for business, dude. You're sixty thousand dollars in business in debt. You gotta clean up a mess for you do that. And we're not going to go borrow on a car to go into the show for business. Not a chance. Everybody's brother in Houston has a lift sticker or Newburgh sticker in their windshield competing with you not a chance we're going into debt for that. So no, if you wanna buy a better car, I'm with you on that. I think you probably do need to move up in car. I'm just gonna save up about eight thousand dollars and put with this very very very, very quickly beans and rice rice and beans, no borrowing money, and I'm gonna pay cash for a ten thousand dollar car. And then let's get this sixty thousand dollar mess cleaned up. And then let's save up again and move up in car and start to do some of these other things we're talking about. But do you cannot mathematically justify a twenty five thousand dollar car with the miles. You're putting on it. It just to qualify to compete with over know that you just shoot yourself in the head. Man. No, no, no, no, no, no now, not even if you're paying cash you can't justify it. If you wanna do it, and you're paying cash, I'm not gonna argue with you too much. But I wouldn't do it. It's a business decision. So you have to look at what is you're going to be your return on investment when you make a business. Investment you need to get a return on that investment. And you cannot run the math out on what you're talking about making make sense. It's not there, man. I'm in car service every day just about it seems like traveling as much as I travel, and I can promise you. I've learned the business and just by riding around with guys forever. So no don't do that pay cash for whatever you're doing move up one notch and then get out of debt and then pay cash and move up another notch, but don't ever move too far. You cannot justify a fifty thousand dollar vehicle in the car service business. It doesn't make sense you'll make your money back. You really don't Jason is with us in Cincinnati, Ohio. Hi, jason. Welcome to the Dave Ramsey show. I Dave thanks for taking my call. Sure. Don't worry. I'm going to try those Valentine's Day pickup lines on yesterday about that. Good feel safe already a good. Hey, my mom today for some advice getting close to retirement, she's sixty two and she wants retire in a couple of years and move cross country to be closer family. She makes forty five thousand a year. But you gotta truck note of twenty five thousand she's got five different retirement accounts, which include to Persia counts 4._0._1._K with one hundred ninety thousand small Roth IRA with three thousand and the variable annuity with nineteen thousand and I'm wondering two things should she contain the truck in the regular fashion or does she throw some of those retirement funds at it now that she's over fifty nine and a half. In the second question is when she sells the house, which she does own free and clear, what should she do with those funds should she'll need? No more than one hundred thousand for a new house when she moves have one hundred eighty thousand over to invest she working forty hours a week. Yes. She makes forty five thousand dollars doing what? Asthma system in what she watch. She waiting to move. She wants to move out for retires. When she retiring. Couple of years. Okay. Well, making forty five thousand dollars with a twenty five thousand dollar car debt does not make sense. Yeah. I know I know you principal on Motors wheels. So sell it. That would be my advice. And then when she sells the house to make the move wouldn't. She by a house in the new new location. She would. But it's only gonna she don't get to spend more than one hundred grand on that. And the current house us in two eighty okay? But that time she'd up some money to invest or move backup car a little bit. If she wants to upon retirement, but a forty five thousand dollar household income doesn't justify twenty five thousand dollar car. It's one of the reasons she's got a little feeling a little pinched. She's pinched in the vehicle that's one of the mounts to and so, yeah, I'd dumped that car get your lesser car. Pileup cash when you sell the house and move to the grandkids after retirement three years, if you wanna move up a little bit more in car at that time because you got some extra money leftover. Yeah. That'd be fine. Thanks for the call open phones this hour. This is the Dave Ramsey show at the bottom of the hour. Anthony O'Neill will be with us Ramsey personality. Everything about teenagers and money everything about college-age IRS money. Everything about millennials and money. Yeah. Be sure. And check it out. Anthony will be with. At the bottom of the hour. This is the Dave Ramsey show. If your goal for this years to get out of your timeshare that has no value your plan should be call timeshare exit team. They are the best. They get thousands of my listeners out of their timeshares and get this. It's a free consultation. So call timeshare exit team and get a specific plan to get rid of this bad asset. It is a long process, and it will cost you when you sign up, but they're so competent in their exit service that if they don't get you out, you'll get a full refund. Call eight four four nine nine nine exit. In the lobby of Ramsey solutions. Stephanie joins us. Hi, stephanie. How are you today? Where do you live in Oregon? Very cool. Welcome and all the way over here to Tennessee to do a debt free scream last night while we're honored to have you. How much you pay off paid off just under twenty eight thousand dollars. Good for you. And how long did this take ten and a half men? Did it fast and your range of income through the year? I mid fifty eight thousand who what do you do for a living? I'm registered nurse. Oh, good. Good career. What kind of debt was the twenty eight thousand full? Okay. And you got out of school and started on the debt or what happened yet? I have finished nursing school in ginge thousand seventeen took a few minutes a few months when they do the grace period to kind of settled in to work and living and then started right after the grace period started. So I started in February last year. Very good. Are you helping or are in or what look at you? Go. Good good. And so how old are you thirty three thirty three. And you're one hundred percent that free and you paid off your student loan months after getting out of school. So you don't have to be stuck note. Get after it don't you made you decide to do this. You know, I really was hesitant to take out nursing school loans. I was really scared to have just a ton of debt and there's a risk involved. I had to pass my state board exam. I was just really freaked out about it. So when I finished when I finished it, I passed my boards. I just knew I wanted to be free. I didn't want to carry this way on my shoulders and my goal is to be done in a year from when I started. So I just go after it beans and rice, scorched earth like you said and really lived on next to nothing to get it connected. Your name is just everywhere in the Christian world, so through church and places like that people have read your book done FPU. So I kind of knew obviously, I wanted to pay my debt off, but attracted me to your program and Ramsey solutions was just that you do things God God's way. And I want my life to the pattern by God's rules and his way and honor him with my money, and my income and. In my profession. So you're all we're so proud of you. Congratulations. All right. You did it all the other thirty olds are wandering around not all of them. But some of them are walking around going. Oh, I'm stuck. I'm stuck. But not Stephanie. She's not stuck. So what did what did you do tell them what the secret to getting out of debt is I started with your book? So I picked your book up at a thrift store for like five bucks. Go at it in a day and just gone fire. I really decided I wanted to be counter culture in our profession. I feel like we graduate nursing school. We start making an income, and I really wanna new newer car. I wanted to upgrade things in my home. But I really felt like the priority was just to pay this stuff off and free myself from this debt. So that later on I could have other things that I wouldn't what do you tell people the key to getting out of debt is for they need to do. I use envelope system that went really wealthy order that from your site. And the budget, obviously goes along with that. But really saying no to yourself like delaying gratification now that leader you can live the life that you wanna live. I think to being immersed in this stuff really helped me, I live breathe. Eat sleep your stuff. Like, I listened to the podcast every day. I'm in the Ramsey community online, everything I talk about all the time. I'm sure all my coworkers on my unit are just so sick of me because I'm handing out books left. And right. I'm just I'm all about this. So having that one focus of this is what I'm doing. And I bought into it completely no issue here. Like, I really just followed it step by step in for me. It worked in countless other people fun. Well, done your rockstar keto well done well done well done. So who is your biggest cheerleader cheerleaders right here. He's my fiance. His name is three Andy, go ready. Rando we met actually on the Dave Ramsey community. The official Ramsey. Did. Yeah. So I started in February. And then he and I met in June and just hit it off immediately and wearing gauge now and planning. We're all about this. If he was that free long before I met him, and his parents are free his brother, just celebrated his freedom. So it's really a neat little story in new those to look for a while. Booking? But it just happens. The way our. So is Randy from your area. Salem, Oregon Portland. Yeah, right there and you're saying neighborhood factly. That is so wonderful. Well, congratulations. We're proud for you. What a big year. You've had very amazing. Very amazing. We've got a copy of Chris Hogan's book for you everyday millionaires. Does that your next chapter you, and Mr. Andy are gonna be everyday millionaires before we know it. They're very very well done. So proud of you. We love you, darling. You did really really good excellent job. Stephanie from Salem, Oregon, twenty eight thousand dollars a nursing school paid off and ten and a half months. Making fifty eight thousand a year one hundred percent of Mercian. No ish count it down. Let's hear a debt free scream. E two one. Good stop great stuff. Absolutely amazing. Well done. Well, done miss Stephanie at the O'neil joins us at the bottom of the hour. If you have a question for Anthony jump in Kelly's going to open up a line or two for him. The phone number is triple eight eight to five five two two five triple eight eight to five five two two five Jonathan is whether it's in Las Vegas. Welcome to the Dave Ramsey show. Jonathan. Hey, Dave, how you doing? Sure, what's up? I'm calling to basically discuss on something I discussed yesterday with their CPA a little background. I am married. A disabled combat that I have a wife and two kids. We don't have any car payment debts. We have a monthly expense of about fifty five hundred dollars. The only that we do have is our mortgage, which we paid down substantially over this past year. It was initially three hundred thirty thousand in December of twenty sixteen. Now, it's down to two hundred eleven thousand seven hundred way ago. And yeah, something I've been kind of discussing with their CPA is because of this opportunity because I'm disabled I can liquidate my IRAs to not take any tax penalties as that is a prerequisite to that option. And thinking about taking the one hundred forty six I have my IRAs in putting it down on my mortgage, which dropped my mortgage balance down to sixty seven thousand eight hundred based on the numbers. Now, the caveat, boys. Once I p off this mortgage. I can then take that mortgage payment and start reinvesting without you know, taking any kind of you know, if I take a loss in the market, you know, how Eldar downs I'm thirty four. What's the nature of your disability? I had hip surgery last year. So I mean, it's it's kind of like just on apart from everything gone through. You're you're you're obviously, mentally, okay? Or it sounds like to me come to you. Yeah. I have some days. It's not so good little foggy. Okay. Basically. Yeah. I gotcha. Okay. Well, thank you for your service to start with is your wife work outside the heart. She does and that was kind of another benefit for us on the earned income tax credit for the current laws, and how they stand so we did receive that in some federal taxes that we've been paying out from the benefits that I do receive the part that we're doing right now, we are mortgages about sixteen hundred dollars and what we've been doing weekly payment. She earns she changed jobs, roughly forty thousand dollars now, and what are you taking on your disability? So for our take home together where about seventy two hundred dollars a month. Embodied you reduce your mortgage by hundred thousand dollars in two years. So before I got out of the military actually, suffered a real bad car accident, actually two of them and I had high enough uninsured Motors. All these that had to Polokwane against my own shirts company. No. I I I mean Jonah I really wouldn't. I don't like catching out retirement accounts for anything except to avoid bankruptcy or foreclosure, and you're not there you're making progress you're being thoughtful. But I think this is going to set you back. I wouldn't do it. Personality Anthony O meal national bestselling author of the graduate survival guide five mistakes. You can't afford to make in college. Also, then venture the creator of the teen entrepreneur toolbox, everything your teen needs to start a small business. Learn entrepreneurship start making money Anthony joins us this half hour to answer your questions. Welcome back. Thank you so much Dave down the road, traveling trying to be like you just got in from Orlando. Just yes, sir was in Orlando with about one hundred influential leaders and passes out there talking about how can we start reaching churches, and how to you know, teach financial peace university in their churches and just to reach the young generation and teased him about stewardship. So it's been real fun coup. Where you've been other than Orlando. I went to Orlando Dave mate s me the me Rachel's in Raleigh, North Carolina. That's okay. Last week. And that was just amazing. I mean that was Rachel nice. First time being on stage together hosting our own event and doing that that was fun. And so look forward to being with you next week and Michigan and then Rachel Narin Cincinnati, Ohio. So it's just it's that time of the season. Dave run run. Gogo good times. We will be in Grand Rapids on doing a smart money of on this coming Tuesday night, Anthony, and I will end that is livestream. You for those of you all over the nation that wanna watch it? It's live streamed. And if you've not seen Anthony, speak, you're in for a treat. This guy is a lot of energy on the stage and a lot of fun fun. And I guess it's one of the reasons that worked with the youth too. Because I don't you. Don't do boring. Right. Yeah. No, Boeing, those schools tough tough audience man Aiden is whether it's in Houston, Texas. Hey, eight and your question for Anthony O'Neill. So I'm fourteen and I was wondering where my money should be going at this age. Fourteen. So what what grade are you in now eighty? I'm gonna grade right? Oh, man. You already asking this question eighth grade. What do you want to do in the future DC of going to college? I was thinking about 'cause the welding I was thinking about doing welding 'cause wanting really good down here. Welding says sounds like welding school trae school is is in your future in. I'm pretty sure grace glory of are pretty good right now. So this file recommend you to do, man. If you have a job right now. Are you driving you saving for a car? No. First thing I want you to save up for your for your first car when you turn sixteen and get your license and go buy something nice about a grand two thousand dollars. And then from there, I want you to save up money. So you can pay cash for welding school. Okay. The the school that I'm going to high school. I'm going to offers a in classes where you can get a ticket. There has real good. So you pretty much once you leave it well at school program there, you still have to go and get your a license from a welding trae school, but it'll be much shorter. So I like the program. I like what you thinking. Good job, dude. Well done. Yeah. There's three things you can do with money and four things that we teach about money renamed. Learn to work, which you're obviously not afraid of and work is where money comes from. So you get money. And then what we do. We're gonna give some save some and your case Anthony saying for for car, I agree with that. And we're gonna live some being here. Spend it so live give and safe when work. Yeah. And if you get those four things dialed in you'll go a long way with money, it really is not much more complicated than that people overcomplicated, and they try to sometimes they sophisticate. Themselves into a mess. But but you're asking these kinds of questions in the eighth grade. Dude that such you apartment, you're something else. Very very well done. Especial? Gabriel is with us in Fort Myers. Florida Gabriel your question for Anthony O'Neill. I think my call I actually came across his podcast on accident. Earlier this week, which I have started listening when I was in eighth grade. But so I'm halfway through grad school right now, I got married six months ago, and I should have an estimated hundred thousand dollars student at at the end of it. So I guess my question is just trying to find the best course of action to be as well office. I can be at the end of this, you know, going into life with my my wife. Welcome welcome to the club. Man. We appreciate you. Joining us starting to listen. And how old are you? What are you studying? Yeah, I'm twenty three and studying physical therapy. Okay. So you're going to be a PT. Yes, sir. And graduate with one hundred thousand dollars in debt win how much further out. In a year and a half. So that'll be combined between my wife, and I and what does she is? She working yet. Yes. So she's a nurse right now. Oh, good. Very good. So you'll be making about seventy and she probably could make about that. So you ought to be up in the one forty range between the two of you in Fort Myers area that sound right to you. She I think she brought in fifty five thousand last year. That's what no. Yeah. I think that's gross. But and I we the plan is to do some travel together and hopefully make a little bit more money. And after listening to some of your podcast try to pay it off in one year. Like, we'll be living college students though. But I'm willing to make that sacrifice. That means getting it out of the way that sounds fun a love that and that's up to be able to to to have no debt, and then to be able to build wealth. So what do you think? Yeah. You know, Gary, I'm again, congratulations and happy, Valentine's you, and your your wife you first marriage. I want to challenge you to start thinking about how can you stop barring money right now. I mean continue to school process, but you know, what can you do to stop barring money and start cash flowing the rest of it. I don't want to worry about paying the student loans right now. But you know, what can we do what can Gabriel due to stop barring money in start cashing only gonna work on Valentine's Day. Very well. But. His wife could pick up a bunch of overtime. Yes. The beauty the beautiful thing about a nursing career. Is you can always work. There's always work, and you always make money, and you make a lot of money. Yeah. And so there's there's you know, you work the ER you can work swings. You can do whatever. But I mean, you pick up kick it up to eighty hours a week, and she should they cash the rest of his degree and limit the amount of debt that they're in. And I don't know that that's a bad idea like that. But I don't know if I bring this up today, I'm not more maybe not tomorrow. Maybe bring it up Monday. Enjoy the weekend. A lot of time together with that argument and don't blame it on me. Brought it up. Dave Ramsey is not that strong. But Dave, and when we think about this how often are young people getting into this much debt student loan debt, and the student loan thing is on the rise. And this is something that you know, you, and I is company or passionate about helping young people. Avoid this mistake racking up this amount of debt and an America. It is possible to go to college that free. We see people doing it all the time. And that's one thing. I'm just very passionate about about getting grant skin scholarships and just moving a little bit slower. Dave to cash flow that process, I talked to a lady yesterday young lady that had done her first two years of community college and pay cash for it. And then she was actually talking about moving to another state and working for year to establish residence because that states in-state tuition was half of her states in state tuition. So that somebody's thinking thinking, that's you know, we need to think as a. About education. I mean that sounds paradoxical we need to think about education because when we don't think we make mistakes that guy there's done a great job, and you know, Gabriel's situation as he can he can they could do the road warrior thing between his PT and her nursing and make some serious Bank for your have an adventure and clean it up. Really, really fast. I I love that plan. And that's thinking thinking, that's good. Yeah. And he's already thinking he said, hey, we're gonna live college students once we get out of debt once we get out of school and asset in them up for a strong future, especially a young couple that age. So when you're in the high schools, and you're gonna ask this every single day. How do I go to school without that? What are you telling the main thing is if they're going to go without that avoi- student loans and work hard? Right. I mean, how do you do that though? Hey, how you every single day and he'd be looking scholarships at Howard treated like his job treat it like you said job you go to work every single day. So every day when you come home. Look up scholarships grants go around local communities to the small businesses. You can't and we'll find the money if you are very passionate about Anthony O'neil Ramsey personality with your questions here on the Dave Ramsey show. Joining me this half hour. Anthony O'Neill Ramsey personality. He and I will be in Grand Rapids. Michigan this coming Tuesday doing a smart money event that is live streamed everywhere in the nation. If you wanna watch it we'd love to have you jump on and give it a peak and also you can come over. And if you're in the Grand Rapids area, there's still a few tickets left the phone number for tickets, triple eight twenty two peace AAA two seven three two three. Or of course, you can go online at daveramsey dot com, and then that's Tuesday on Wednesday night. He will be in Cincinnati, Ohio with Rachel Cruze doing it smart money event. You're just going to be really smart about money and actually, yes. All over the place. Love it. Very cool. Good times are right Alex's. Whether it's in Connecticut. Hey, Alex, your question for Anthony oneal? Hey, so I recently last month I dropped out of college to got a job at a big tech company. As software engineer, and I haven't zero debt, and I would like how could I invest my income towards retirement and just to build my wealth. So does that company? Offer a 4._0._1._K. Yes. Okay. Do they offer a Roth 4._0._1._K with a match? I'm not sure I don't think so. Okay. And you're one hundred percent debt free. You have a car. Yes. Paid off. Are you living at home? No, I'll be living in apartment. Okay. And your you said your how old twenty twenty years old. And you got what do you make? And what's your household income? My starting salary will be sixty five thousand. Okay, good. Okay. I like it. You know, before you start investing one thing that we teach. Here's our baby steps you already are already through baby steps to do you have any money in your savings account right now. Five hundred bucks. Okay. Yeah. So what we need to do is get that up to about three months. You're young kid. Twenty years old. I don't have a problem with you having three months of your expenses set aside. So before you start investing. I wanted to go ahead and get three months at assize for emergency. Which shouldn't take you low making sixty five thousand dollars a year, and you're debt free. Then when she get into that. And yes, I want you to start investing into your four one K max out the max that they will contribute as well. And then look into a Roth IRA those are the first two, but before you go into investing. I want you to really get your three months ahead of the game into a savings account. Because here's the thing that we teach oughta time that nearly seventy percent of people cannot afford a five hundred dollar emergency. So twenty road with three months at a software urgency's he is way ahead of the game. I'm shoulder, Alex. Let's call that ten grim. Yeah. Put ten grand aside. And then start your for a one K overture company at least through the match put it in the ROY. Off pick the four types of mutual funds. We talk about growth, growth and income aggressive growth, and international. Hold on. I'll send you a copy of my book, the total money makeover, it'll outline everything Anthony's talking about and show, you a xactly what to do, you know, one of the other things that you're running into a lot is in listening to these teenagers when you're doing the events in high schools, and even college students even twenty year olds. You're seeing a lot of the world through their eyes. You're able to sit through their eyes, and that's really helping you communicate to parents. And so we have the idea with Meg meeker being America's mom strong fathers strong daughters. One of my favorite parenting books ever written to do a smart parenting event with you and Meg as a one two punch. You've kinda got it through the eyes of the of the teenager. And she's definitely America's mom and advising on the power that dads have and children's lives and the whole thing. It's just wonderful one two punch, and we're going to try these are I two of these to do smart parent events. Right. Yes. Yes. And Dave I'm really excited about it. Because one thing the reason why we're doing this because we're hearing a lot of parents say, hey, I don't think I'm a parent. I'm failing over here. And the fact is there. Yes, this true. There's no perfect parent. But I believe every parent is a good parent for the most part. And I believe all of our listeners and a lot of people who are following. This are great parents could they use them. Vice could they use a little bit of information on? Okay. This is what might my child is thinking. Yes. And so we're coming today. Just remind them you're a great parent, and we're going to help you become even Greta greater and so one of the things that I'm learning with teenagers is that they love their parents. But sometimes they Liz if my parents, they don't understand me, they don't respect where I currently am at the age of fourteen at age of thirteen. And so I'm really gonna just help parents is really understand where their child whether they're five years old ten years fifteen years old where they currently are how they are currently thinking and amaze when it come from the perspective of hey, I get it. You know, I'm a mother of several kids I've been counseling parents in us to combined. Dave, this is going to be a great event. It's rich. It's it's really rich really really good. Good stuff. And we're doing too. Two of them to give this a try. The smart parent. Vents Minneapolis may fourteenth and Sacramento may the twenty first. Yes, I'm really excited about both of those especially California. You know, California has beautiful weather. So. Golf weather day earlier play golf with some parents out there. You know, you never know what could happen. Noah guy that might do that good stuff. Well done, sir. Good stuff. So smart money this coming Tuesday in Grand Rapids. And with me and Cincinnati Ohio on Wednesday, the twenty first with Rachel you, and I are doing a smart money of in a couple of weeks after that and Atlanta Georgia, and we're busy here. A lot a lot of going on again, the Grand Rapids of is being streamed the money and marriage event tonight in Nashville with les Parrott and Rachel Cruze as being streamed and our entree leadership one day event in Grand Rapids that can Coleman and Christy Wright, and I are doing on Monday is going to be streamed. So it's all over the place Maria is in New York City. Hi, Maria your question for Anthony O'Neill high. I am fortunate enough to be that free as of this month. Yeah. I graduated high school didn't know what I wanted to do. So I decided to go to work then go to school. But now I am going back to school. School at age thirty and I've been fortunate my parents paid for my associates degree. But now my bachelors I'm going to be paying and starting to the loan about process. I hope to be marketing and my job starting salaries around fifty seven how much student loans would you like say I take out 'cause I don't wanna be drowning in debt after school. That's zero is what I was saying. Yeah. Let's step back though. Okay. So explain to me do you have to have this degree to get your current job? At you're going after right now. Yes. I definitely don't need agree. But it's extremely competitive. What I want to do. So they really don't look at anyone who doesn't have a degree. So what do you make? Now, I make about fifty two thousand a year and fifty seven with a degree. But you'd be more competitive is what you're saying right now, I work as a babysitter fulltime, I would go into a corporate job. So while you're babysitting. Can you go to school? That's what I did for my societas. But my bachelor's I am going to go to school in Manhattan. And I really wanna take advantage of all of their internship to build my resume form and Taylor for my job. So I would be leaving my job. So in this sense, you're going into debt. So you can be an intern. Yes. That's what you really, no. I wouldn't do that. Yeah. No don't think it's worth it. Your resumes, not built that much by interning, especially when you can't afford it. You're borrowing money not to go to school. You're borrowing money 'cause you're not working to intern. Right. That's a bad. Good amount of savings, which is about twenty five thousand of savings or school. So how much you need to do? How much do you need to pull this off? I would be short. I would have to take about five thousand dollars student loans. Okay. Can come work enough to get five thousand dollars ghetto? Yeah. I mean just short because I have to leave in the fall 'cause I got into the school. So I I would be short that much. So one sec one semester and don't be an intern and get five thousand dollars, and then turn the rest of the time. But don't borrow money because you enter that's not a good choice. It's not you're not getting a good ROI on that. But you gotta gotta plan. You almost there. I can see the finish. Yeah. There is Anthony thanks for stopping by. Dave america. Thank you so much for having me. Anthony O'Neill Ramsey personality. Check it out you can seem everywhere on YouTube Instagram Facebook. This is the Dave Ramsey show. Hey, it's Kelly associate producer and phone screener for the Dave Ramsey show. This episode is over, but if you heard about a product or service didn't have a chance to write it down. Don't worry we list everything that has mentioned during this episode in the podcast show section. Thanks for listening. Make more money doing what you love checkout, Christie rights business boutique podcast. Crissy's inspiring and in quipping women to become successful running their own business hand, Christy. Right. And I help women all over the country take their ideas, and passions and hobbies and turn them into profitable businesses. You have an idea in your head or dreaming, your heart and you've ever wondered if you could make money doing it. I'm here to help. Join us on the business boutique podcast where we are quipping women to make money doing what they love scrubbed Christie rights business boutique podcast wherever you listen to podcasts. Hey, it's James producer of the Dave Ramsey show. This episode is over but check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.

Dave Ramsey Dave Anthony Anthony O'Neill Ohio Houston Grand Rapids Ramsey solutions Anthony O'Neill Ramsey Cincinnati Stephanie Oregon BMW Gabriel America Honda Jonathan Grand Rapids Orlando
NPR News: 04-18-2020 3PM ET

NPR News Now

04:39 min | 1 year ago

NPR News: 04-18-2020 3PM ET

"Live from NPR news in Washington. I'm Barbara Klein. Canada and the US have agreed to extend restrictions on travel between the two countries. Emma Jacobs reports Prime Minister Justin Trudeau says the ban on non essential travel across the US. Canada border will remain in place for another thirty days. Border Crossings. Were I restricted. Late last month should oh announced the extension this morning. This is an important decision. One that will keep people on both sides of the border safe there is. We'll continue to exempt the transport of goods and essential workers between the two countries president. Donald Trump had said earlier this week that travel restrictions between the. Us and Canada will be among the first to be lifted for NPR news. I'm Emma Jacobs in Montreal. California's Governor says his State is now in a pandemic induced recession. This after the latest monthly employment report she shows nearly one hundred thousand. Californians are now without jobs. Npr's Walli Cy Kowtow reports. The latest jobless rate is the largest jump since nineteen seventy six when officials started detract. This data Tom Star is chief advisor to governor. Gavin newsom taskforce on business and jobs recovery. We will try to come up. With a recovery plan that is worthy of California's past and pushes us to a better future and remedies some of the injustices which this covert nineteen pandemic have revealed in our society on the same day. These numbers came out. Protesters in southern California's Huntington beach area marched against stay at home restrictions. Many didn't wear mask and carried trump banners along with US flags Doi- Holly Cy Kowtow. Npr News Los Angeles. Thirteen nations issued a joint statement calling for global cooperation to lessen the economic impact of the corona virus pandemic. The group convened by. Canada has agreed to coordinate travel trade and financial measures to curb the unprecedented disruption to the global economy several European countries plus Mexico Peru and South Korea are part of the group the. Us is not refugee. Children in Greece were flown to Germany. Today as Joanna Kakissis reports they'd been stranded alone in the severely overcrowded migrant can Prime Minister Kitty Akkas Mitsotakis accompanied the children to the Athens airport. He says he hopes other European Union member states will pay in another sixteen hundred refugee children in the coming months. Forty seven children arrived in Germany today. Luxembourg took in another twelve last week. Greece also wants to move elderly and vulnerable refugees out of island camps. Guatemala says a large number of migrants on deportation flight from the US this week were infected with corona virus this is NPR in Texas. Protesters are outside the state capital in Austin demanding pandemic restrictions be eased and Texas reopened. Demonstrators ignored social distancing guidelines. The rally was promoted by the far-right conspiracy website INFO. Wars President Trump yesterday supported similar protests in states with democratic governors. Former treasury secretary. Paul O'Neill died today. After battling cancer he was eighty four. Npr's Jim Zarroli reports O'Neill was the former CEO of Alcoa which enjoyed much higher profits under his watch. He was known for a strong focus on worker safety. After his retirement he was tapped by president. George W Bush to be treasury secretary. But O'Neill was something of an iconoclast who profess to dislike ideology and he clashed with other administration officials. He argued that tax cuts should be tied to reducing the deficit and he was fired by Bush in December. Two thousand two. He later cooperated with a book that was sharply critical of the administration in his later years. O'neill found that a healthcare consulting firm Jim Zarroli. Npr news vice president pence deliver. Today's commencement address to graduates at the US Air Force Academy in Colorado Springs. It was a relatively quiet affair. Friends and family were prohibited from attending. The ceremony was live streamed. I'm Barbara Climbing. Npr News in Washington support for.

Npr US Paul O'Neill NPR Canada president California Emma Jacobs Npr US Air Force Academy Washington Greece Donald Trump Doi- Holly Cy Kowtow Walli Cy Kowtow Barbara Klein Justin Trudeau Gavin newsom
Parenting: How to Take Back the Lead (Hour 1)

The Dave Ramsey Show

39:56 min | 2 years ago

Parenting: How to Take Back the Lead (Hour 1)

"The. Headquarters of Ramsey solutions. Broadcasting from the dollar car rental studios. It's Dave Ramsey show. Where dad is dumb cash is king and the paid off home mortgage has taken the place of the BMW as the status symbol of choice. The phone number. If you wanna talk about your life and your money is triple eight eight to five five two two five that's triple eight eight to five five two two five. Now, if you've been listening to the show for while or you've watched some of the YouTube videos or something else, you know, that we teach a process called the baby steps, and we teach you that. You must sacrifice to win. There is no shortcut to winning. You're gonna live like no one else. It's going to be a pain in the butt. You're going to live on beans, and rice, rice and beans. You're gonna drive a junkie car show that you can live and give like no one else you're going to sacrifice so that you can enjoy. And so that you can be generous. And so that you can have financial peace to the don't go together like airline service. And so you're going to sacrifice to win. You're going to give up some things to get some things you're going to pay a price either. Now, or if you don't pay a price now, and you stay in the mess. You're gonna pay a price for the rest of your life called financial mediocrity. Financial? Mess problems, but to clean it up and be done and build wealth is what we want you to do. And we teach you that. There's three things you do with money. You save invested you give it and you enjoy it. But when you're in the first three baby steps, we don't really care much about your enjoyment. Buron beans, and rice, rice and beans. You're not on vacation. You're not gonna see the inside of a restaurant unless you're working there. You've heard the routine, right? You've heard me say this over it's what Sharon an idea. It's what millions of other people have done in order to get free and get to the point that your baby steps are done your first three baby steps done, you're out outta debt. And you have your emergency fund in place. Then is when you start to enjoy a little bit more you buy a little better car with cash by a couch with cash, you can go on vacation, the end you. You know, you start putting your fifteen percent away for retirement baby steps four five and six at the same time. You guys know how this works. You live like no one else. So that later you can live like no one else. And when you get to step seven, I mean, you are. I mean, you are really in that mode at that point. So here's what we're going to undo something. We've never done. This is a little risky, but I'm excited about it. It's kind of fun. We're going to go on a cruise. You go on a cruise. Let's go on cruise Scott. We're announcing today the live like no one else. Cruise. Poem. Now, you need to be on by four. We're not gonna come check. We're not going to ask you for a budget. We're just gonna trust you on your honor. But you need to be on babysat form beyond if you're in baby steps one through three. This is just you get to go on the next one. Okay. You can't go on this one. That's it. Okay. So the live like no one else cruise is going to be March of twenty twenty one year from now, it is an tell you share not been on auto know a bunch of cruises over the years twenty five or thirty. I'm over the years. We've been on every line. I think and so we know the junky ones, we know the cheese e ones, and I ain't going on one of the junky cheesy ones. They brought me one of those. And I went new not doing that. Dave ain't going on that I'm living like no one else to shut up. So this is on a brand new ship with Holland America, which is one of the top most luxurious lines. This is so it's going to be amazing you guys now we're going we're gonna go out of Fort Lauderdale. We're gonna drop by the Bahamas and down a Turkson Keiko's all the water so blue there. Yeah. Then Puerto Rico than to Saint Thomas all the Ramsey personalities will be on the cruise. And called up a couple of friends. So this is gonna be lights out. Jeff foxworthy is going to get weathers. Yeah. That'll be fun. Just one of the funniest humans on the planet. You won't want to miss that. And Steven Curtis Chapman, Grammy award winning Christian music icon is going to go with us, and I can't pronounce the nets name minute Chon or Sean show something like that. She is on the food channel. She's a James beard award winning chef she's a an absolute icon in the foodie world, and she'll be doing demonstrations and stuff there on the ship with us. And again, it's it's Rachel Cruze. Chris HOGAN, Ken Coleman, Christy Wright, Anthony O'Neill, we're going to have some of the Nashville songwriters with us. Of course. My pastor Darrin Whitehead's gonna be there. He's gonna do devotional in the mornings, and this is gonna be lights out incredible. Lights out incredible seven day cruise the live like no one else. Cruise March of twenty twenty just go to daveramsey dot com. You can go to Ramsey cruise dot com. Either one and you'll be able to hang out. And celebrate the fact that you're now reaching the point that you're living like no one else. Now, again, we're not gonna check and see if you paid for this for with a credit card, but let me just tell you. I'm going call you stupid up front if you do that. Okay. We're not going to check and see if you're out of debt and in baby steps four five six seven before you go on this. But that's really where you should be. This is not this is not something. I'm not trying to get people who are in the first three baby steps, I'm not trying to get your money. But I'm trying to give the rest of you that have done that have paid a price to win on opportunity a place to celebrate. And you know, we're going to be doing seminars events and everything else. There's only two hundred fifty dollar deposit required a book, so you can book and hold you a room right now. Two year out go to Ramsey cruise dot com. We're going to have you know, obviously foxworthy you'll be doing events. Obviously Steven Curtis Chapman to be doing vents. But the Ramsey personalities will be doing seminars forums or QNA's and content. It's not going to be like all day you're sitting in on a boat in the room doing a seminar. Now, we're going to enjoy these wonderful Caribbean islands. We're going to enjoy this process and his world class food, and these cooking demonstrations and everything else, and and you know, and then we'll do it on a van if you wanna, you know, hang out with us a little bit. We're going to be around this thing all week. So it's going to be absolutely incredible. So again, something we I mean, I I did one of these thirty people came on very first started a bazillion years ago that doesn't count this is really something. We'd never done because it's just it people feel like that. When you say Dave Ramsey, or you say financial peace that it's all about broke, cheap people and broke and cheap for a little while. So that later, you're not broken sheep. That's the whole point. You're gonna live like no one else. So later, you can live and give like no one else. And it's going to be epic. This is gonna be incredible. So again, the live like no one else. Cruise March twenty twenty all the Ramsey personalities, Chris HOGAN, Rachel Cruze, Christy. Wright, Anthony O'Neill Ken Coleman me Steven Curtis Chapman. Jeff foxworthy epic epic two hundred and fifty dollar deposit or get your room held. I don't think this will last very long at all. Based on our marketing research, we think that this will be sold out. They read you don't get a lineup like this hardly anywhere. Holland america. It's very cool Ramsey cruise dot com or always you can go to daveramsey dot com. Find out what's going on. But Ramsey cruise dot com land you right in the middle of this. And you can start to look at the details. Started talk to your spouse about it and decide if this is a way you want to celebrate we want to give you a place to celebrate. With us. We're proud of you. We're proud of you. And we wanna say touchdown right in front of you. This is the Dave Ramsey show. I get asked all the time. Do I need life insurance? Listen, the point of life insurance is to replace your income for someone who counts on it. So if you have a spouse, if you have kids, yes, you need term life insurance and the best place, I know to get it is Zander dot com. Zander insurance where I get all my insurance. And it's where I've been sending my listeners for over twenty years. You can get a quote in a matter of seconds. It's not expensive. It's not complicated. And you need to do this now Zander dot com. Warning. I was in a meeting going over the content and the workbooks and all of the marketing pieces and all the presentation pieces of this new event. We've caught got that. Madonna MC maker and Anthony O'neil or doing called smart parent. And I it's two of the leading parenting experts in America, Anthony, O'Neill and is a teenage expert speaks to more teenagers than anybody else on the planet right now, Dr Meg meeker, of course, America's mom, one of our best friends around here, we love doctor. Meg they're doing two of these events in Minneapolis and in Sacramento may fourteenth and may twenty first and we thought we get Documenta gonna talk about a little bit. How are you? Meg I'm doing well. How are you? Dave better than I deserve. Hey, I just tweeted one of those dad moment videos that you did you see it yet? I haven't pull open your Twitter. I'll try to Email it to you later. It's a military guy kid. Is recognizing that his dad is they're just completely breaks down. It's wonderful wonderful your heart, doesn't it? Always do. They always do. I know you of collect those because it reminds us the importance of dad's right that you bet. So what are you an Anthony going to be covering at the smart parent event? I'm sure that's one of the items. You know, I'm so excited. Dave because you know, we really came up with a smart parents event because we wanted to help parents understand what their kids are going through. And I think that's what Anthony is going to do sort of say, this is what your kids are telling me, this is what they're struggling with. And then I'm going to be there to say, okay, parents here's how you help your kids. Navigate a lot of pressures, a tough culture, you know, here. The pressures Jere facing here the pressures they're facing. And here's what you can do to really help get your kids on track and one of things, and you know, this because I've talked with you about this a lot day. Is it parents are doing? Much better job than they think. I mean, they're closer to doing a a really great job. And a lot of parents don't know that. So I'm really excited for these events are gonna be amazing again, I went through the content that you're going to be covering Anthony. He's going to be covering the workbook review in the little layout. And how you guys are doing the minute by minute on the event this morning with with allow Vince team in the content team. And it's it's spectacular. Meg. I mean, this is this is a watershed event. It's called smart parent, folks. And it's gonna be Anthony O'neil and Ramsey personality anthem they and of course, Dr Meg meeker one of our best friends around here in one of the top speakers and teachers communicators riders on parenting in the nation today. The Minneapolis event will be may the fourteenth and the Sacramento will be made the twenty first and get your seats. Of course at daveramsey dot com or Anthony O'Neill dot com. Either one, and it's it's pretty amazing. You know, one of the things I noticed in. They're not. Only in your stuff. Not only do you say that you're doing better than you think you are. But you are intentionally speaking to moms and dads to take charge. You want to you want to speak courage to them to take charge to not let the inmates run the asylum. I love the way you phrasing. You're absolutely right. And you know, we've given kids sort of this power. We make them to center of our worlds. I mean, look what's happening, and you know, the Hollywood, and the, you know, the paying off of you know, coaches and coaches and colleges to get their, you know, their lovely perfect precious. You know, kid, and and and what happens is it's need understand. You know, we run the home. Are we need to teach our kids how to follow our lead? We need to teach them how to be good people live with integrity Pia, disciplined person and understand that self control and discipline and virtues are what really make a person successful in all areas of life relationships work, you know, sports any extra curricular activities. So it really is about teaching parents. What you've got to be in charge. You gotta set the boundaries and life is so much more fun in the home that way, it is an snow some kind of a Thawra -tarian, toxic harshness or something. That's not the issue. I mean used to spend an abnormal amount of time. It felt like convincing my kids that everything were discussing all of these boundaries have absolutely nothing to do with me there because I love you, exactly. And you're going to do this because I'm bigger than you. I love you. And it's what's best for you. And we're going to start with dad control and over time with critical thinking skills, we're going to teach you self control. Yes. Exactly. And that's really what our job is parents stored up to impose control on kids when they're younger. So they understand this is what it's like to live with rules and boundaries. And then as they get older we begin to transfer some of that response. Ability to them. So they begin to to to take on self discipline and self control. So that when the ready to leave home these kids who really know how to control their behavior how to excel. And if we live sort of doing things for all our kids all the time in letting them, do whatever they wanna do we really set them up for failure. And I see this with kids all the time. And so really I'm going to go out there and equip parents and say, look you can do this. Here's how you discipline your kids and discipline isn't bad horrible word. You know, like you were talking about it doesn't mean we're gonna crack down on our kids. That'd be made. It really is about teaching kids how to live life. Well, and you have to be a strong parent in this day and age to parent. Well, you know, great parenting is not for wimps, particularly in a culture that's trying to take our kids down. I'm with all the. The media and the screens and cellphones, and that kind of thing, and so any parent can do it any parent can take charge of their home and really helped launch the kids in in a good direction. Fifty. If you watched television, you saw children who are respectful of fathers and mothers. And today the star of all the shows is a smart Aleck outta control kid that in my house would have had major problems. Yeah. Diplomats stated, but yeah, I mean, he experienced pain had run his mouth like that me. What really is an kids when they're allowed to behave that way are miserable. And I get I can't tell you how many letters questions I get from parents saying my kids are doing this. My kids are doing this. They're telling me, they hate me. They're writing on the walls. They wish I weren't here. They wish I were dead. What am I going to do? And I say what you know. What are you gonna do? Yeah. And I wanna give her a cellphone for her thirteen th birthday because I want to encourage inspire her. I said what you know. So parents. Healing stupidity away. And you can't exactly and I think a lot of kids are running ripped shot over their parents and carrots are miserable. And they are miserable to so parents need to take back the lead. And that's what I really hope to to teach them to do and encourage them to do in these conferences, you know, in an effort to love our children well into nurture them. Well, as a culture, we have moved over the line too many in too many cases to where we made that made the culture so kids Centric that when they get out in the real world, and they take their first job and somebody tells them, it's not all about them. Oh, yeah. They're shocked. It's the first time I've ever heard that they think the access of the world runs through their little head. Exactly, you know, one of college admissions officer was telling me one time, they often have difficulty because kids come come to college, and they have to live with a roommate, and they're not used to living with another person they have their own room and do whatever. They wanted. She said, it's really very difficult even in a small thing like that to get kids to understand you need to share you need to think about other people, and we really it really from a biblical standpoint side dollar tree when we make our kids, you know, the the center of the home, and we only think about them and everything we do is cater to them. You know, we're miserable. And it really is wrong. Because we absolutely one hundred percents set our kids up for failure. Because we teach them Dr meagher's may fourteenth may twenty-first with Anthony O'Neill smart era is the Minneapolis and Sacramento, check it out at daveramsey dot com talk to you. Thanks for hanging out. Thank you. This is the Dave Ramsey show. Joining us America. Chris is in San Antonio. Welcome to the Dave Ramsey show. Chris. Hi. How can I help today, sir? Here to talk about my money in life. Okay. Good. Ask I. I have a primary residence which I live in. And I owe about one seventeen on that primary residence. And I have a second rental residents of rental property to have in Austin, Texas that Al about seventy seven thousand on. And my question is I'm currently baby step two question is not rental property has ten in it in their contract ends in August of next year. So my question is should I feel that property in Austin to get all my well, not all of them. I guess out through baby step four or three least. And so I can do the get higher in the baby steps, basically. Yeah. Gotcha. So what is the property and often worth? Well last year the Travis county a plays. What's three hundred five? What do you think is really tax appraisals are not actual value? What do you think it's really worth? You know, I I'm thinking it's three twenty five to three fifty. I'm guessing you're okay. All right. And I you know, I I kind of equity in that whole I've had it for about twenty years now. But where I'm currently living. I been here. Well, I I've lived I moved here because of the job and be kind of the real trick worked with kind of suggested that we keep the properties rental property. And I'm looking back. I'm glad I did. Because that that top is worth money that will be actually paid for it. I sure that. Now, you know, I'm going to sell that you have two hundred and fifty thousand dollars cash plus or minus lane in the middle your kitchen table, right? Right. Okay. And how much debt do you have not counting your home the proximity about eleven thousand dollars? Yes. Okay. So you could pay off your home. Yes. That's the idea is that pay the rental property pay off my home. And if you sold the rental property, you'd be one hundred percent debt free, you'd have your fun and you'd have money to invest. Yes. Okay. So here's the way, you can ask yourself the question. It's thinking it's a critical thinking exercise that I use all the time for myself and for others. Okay. Let's pretend you did not on the rental property, and you had two hundred and fifty thousand dollars cash piled in the middle of your kitchen table. Would you go by that rental property, or would you do the other things we are talking about definitely do the things that you, and I talked about than that tells you you should sell the rental property. Okay. So what happened is you ended up in this rental property by default? Mu didn't set out to say I'm going to own rental property in Austin while I live in San Antonio, it just kinda happened because you move from there. It was your former home it's turned out to be a blessing because it's gone up in value. And it's probably gonna continue to go up in value Austin's, a wonderful market. But that's not the point the point is your life, and what is best for your life. And if I'm in your shoes, I'm selling it for the same reasons you thought you would sell it to be one hundred percent debt free. And then I'm going to start saving cash above my normal investing to buy and pay cash for a rental there in San Antonio. If you want rentals if you wanna own real estate later, but that would be three to five years out from now. And in the meantime, you're how old are forty nine and you have zero debt no house. So one other one other I guess question, David. So there's a tenant in my office and home that's their through August of next year. So we have a contract with his tenant. So I'm not sure I guess part of the question is should we let that tenant, you know, fulfill the contract term of the contract, and then so or any 'cause I get people calling me all the time that they'll buy property from now with without a tenant. Bye bye. With a tenant. The tennis. The contract has to be honored. Technically speaking, right? Okay. You can't break it and a buyer can't break the lease unless the lease has a clause in it that allows you to break it now. Sometimes you can offer a tenant five grand, and they'll move. Yeah. You know, like, let's put it on the market. And you help me get it sold because you make it available, and you keep it clean, and you're gonna make a little money baby. If that happens, and and I'm paying you to break the lease as amounts to and they they would have to agree to that. You can't force them to do that morally or lead or legally, but you're saying August of twenty twenty or August of nineteen obvious the twenty twenty you had a long leash. It was a two year lease. That's unusual. Okay. And you left yourself. No outs in that lease whatsoever. Well, we we have now there's no there's thinking an out we have a we have a we have a real estate agent that watches the property for. And he is a great job for a stand. I mean, obviously, he gets tired of the I that doesn't matter all the matters contracts. Right in this contract gives you your legal Andrew moral obligation because it was your handshake in your word in your integrity. Plus, it's. It's actually the word contracts. But if the contract does not say you can't sell the house. It says you can't force them to move, right? Another. Another buyer can buy the house in collect the rent. But I would go to the tenant. If you wanna go ahead and move make a move on it and say, well, you know, if you'll help me get it sold one of two things could happen. You could stay in work with the new buyer or. Or I will pay you a fee to break the lease and negotiate that if you would consider doing that. And most of the time someone who's a tenant if you offer them two or three four thousand dollars. That's a lot of money. Right. And it's become a really good deal for them. But that's not up front. That's a pawn the sale upon the closing. And when they move out you'll give them their deposit back along as they leave it clean, just like, you agreed to and you'll give them an extra fee for breaking the lace, you can negotiate that with them if you want to and that's perfectly moral and perfectly legal. But you can't just say you have to move because that's not only the word you gave. But it's also the other. But if you had a buyer this wants to be a landlord until August of twenty twenty the problem solve there. So I'm going to begin the process, though, one way or the other mobile discussion with a real estate agent to get on the market with some potential buyers. And I'm going to begin a discussion with the tenant and say, you know, under what circumstances? Would you feel good about letting us by you out of the lease? And what kind of what kind of dollars? We'll be talking about in your mind. And just have you know, treat them like you'd want to be treated kindly firmly up front. Everything's going to be the truth. And so here's the deal. I'm selling the house. And either the new buyer is going to honor the lease or you can make some money by being willing to move because the new buyer might wanna live in the house, and it's up to you. You know, that's how your discussion goes with the tenant. But I'm definitely on the south. Hey, thanks for the call Yelena is with us in Spokane. Hi yelena. How are you? Hi, dave. Thank you. Thank you. My call. Sure, what's up? I was wondering I'm pretty to go into real estate few, and we are currently with two little babies, and we are and under sixteen thousand dollars that coming from twenty three thousand eight months paid off around eight grand. I just wanted to get your help to kind of pay off our debt. I can't go into the real estate field and. I'm not that kind of have a newborn that's two months old and. Talking about going into real estate if you were debt free today. When would you start? Right away. I mean on a shot work right away with a newborn. I would because I have family that could help out. Okay. And so what does your husband like what your husband make a year? Right now, I think it's around forty thousand you've got sixteen thousand dollars. So what we've got to sit down and say, what can we do to create extra income and tighten our budget in order to get the debt cleaned up as much as possible. So that I can talk about moving into the real estate field. And if you're willing to go to work today, and and have family watch the baby while you go into real estate, you could be willing to go to work to make some money to get it paid off. It's the same thing. So you could work it's up to you. But that makes it go faster. More money comes in after we get out of debt. This is that I've Ramsey show. Canada is on the line. Andrea is calling high under. How are you? Hello, sir. I'm good. Thank you. How can I help? So my husband, and I have about fifty thousand dollars of debt in line of credit and visas, and what is hindering us in paying any of that back is we foolishly have to brand new vehicle or just wanna know what my plan of attack is to get this debt paid off which your household. Shoulder ninety seven thousand on the car. The truck we owe thirty six thousand one hundred eighty seven it's financed. The traverse is a lease. It's a brand new about six months which via girl car when you got. I actually don't know what the sticker of the traverse was. Fifty thousand plinking should have eighty six thousand dollars worth of car debt, basically. Yeah. And you make ninety seven. Yes. That's an issue. The fifty you knew that, right? And the fifty two thousand is what kind of debt you said credit cards, so that it's student line of credit and a visa. Three of the four line of credit than one is visa. Okay. Here's the math facts for us. Right. The largest things that you and I by pricewise that go down in value. Our cars. Cars lose sixty to seventy percent of their value in the first four years. That you own them when you buy a new car, you know, it's thirty thousand bucks. It's gonna be worth ten thousand bucks. Four years. Okay. And since it's the largest thing that is going the wrong way. Mathematically, it is the biggest theft or one of the biggest thieves of our wealth building because it's going down in value and add that if we finance it show, even if you paid cash for cars and had no doubt on them. You would not want to have too much tied up in cars because they go down in value. Now, what is too much too much as a ratio? Okay. It's a ratio of your income, which is your wealth building to when your case ninety seven thousand to the cars. So we figured out and run numbers on is if you have vehicles paid for or not and this is anything with an engine. It added together. Cars trucks, motorcycles, see dues boats. Lawn mowers tractors whatever added together, they all go down in value. You if I all added together, equal more than half, your annual income, you have too much tied up and things that are going the wrong way for you to succeed. Mathematically and wealth-building is that logical to you. Absolutely. Okay. And so that's where you are not only not only debt choking you to death. But you have eighty six thousand dollars in cars, and you should have no more than about forty five thousand dollars in cars. Hey, so my dad has two vehicles that are both twenty thirteen in good conditions that he is willing to sell us. So they'll be used vehicles. They're good enough. What is my plan for? He would sell it to us for probably fifteen a piece that's thirty thousand dollars. That's a move down. Not really enough of a move down, given given the mess that you've got put in two or three thousand dollar cars. Okay. Each until you get your mess cleaned up. And then if you wanna move up in car with cash, that's fine. But you don't have thirty thousand dollars. And so, you know, you can't you gotta stop borrowing money to buy cars, and you gotta stop buying vehicles that total more than half your annual income. And that's not a Dave thing. That's a math thing. Right. And so if I were in your shoes, how answer questions on the show, I'm gonna use that set of material that set of content you, and I just talked about that set of facts that we just talked about in order to make my decision if I'm in your shoes. And that means I'm selling both of these cars and as soon as possible, and I'm getting two three thousand dollar cars that I pay cash for and then I'm going to get out of debt, and then I'm gonna build my -mergency fund. And then I'm gonna pay cash to move up in cars, but that is all going to take you three years. Okay. That's what you know. If you run the math out how quick and you pay fifty two making ninety seven if you don't have these cars, right? A year and a half. And then you've got to build up your emergency fund. And then you gotta save up to move up in cars. So you're you're driving Junkers for between two and three years hoop dis in order to get your life back. Yeah. Because think about it if you know payments at all except a house payment. Wow. Completely different place. Your chest. Your chest is in his tight your stomach's not in your throat. You're back doesn't hurt. Your neck isn't stiff when you go to bed and all of those things happen because of the amount of debt. You guys have right now. This is just not fun. It's a bad pleasure. And I'm sorry. But that's exactly what I would do you're in a very radically bad situation. And so the the the prescription the prescription or the antidote is radical. Because when you move from eighty six thousand dollars cars to six thousand dollars in cars. Your friends or your parents think you've lost your freaking mind. But here's when you lost your mind when you bought these things. So this is what I call this is. But it really is a radical miss, and so it's going to require a radical solution to the problem. So now, here's what's interesting. As we think about that. I was with a guy that they don't like me. And I'm like argue, how do I know? I don't like you. How do you know? I don't like you. I don't know remember meeting you. He said, well, I'm a new car dealer. I'm not mad at new car dealers about two new cars last year. I don't tell you not to buy a new car after you've got a net worth of a million dollars or more. You can buy no car if you want but pay cash for it. And it needs to be the total of all your vehicles equals less than half your annual income. And so I mean just think that through okay. And so or you know, it needs to be small percentage of your net worth. Okay. I've got a friend of mine that just bought a four hundred twenty five thousand dollar car. Now, I'm from any Tennessee that Belo's my freaking mind. I can't get my head around that. Okay. But he's worth a billion dollars. He's a billionaire. Okay. So let me give you the ratios a billionaire buying four hundred twenty five thousand dollar car is like a millionaire buying a four hundred and twenty five dollar car. So he could he could buy one a week. And it probably wouldn't affect him. Mathematically now, I understand emotionally. And some of you think you have to be poor spiritually, and it's hard for most of us to get our head around a car like that I can sympathize with that I'm that guy too. But when I understand that's the ratios. I remember a few years ago. There's a big stink. Tiger Woods bought a house. That would like, I don't know. There's like one hundred seventy million dollars or something that year he made a billion dollar income. Okay. And when you back out the numbers, it's like, you know, somebody making a hundred thousand dollars buying a seventeen thousand dollar house. It's you know, it's. It's about ratios because it is there room left for you to Waigel is the room left for you to be generous is there room left for you to be. In my friend who bought the four hundred twenty five thousand dollar car is worth a billion dollars gives away hundreds of millions of dollars a year. Hundreds of millions is income is ridiculous. And so, you know, and yet he'll get criticized for having this car. But for him. It's like most of us buying a biscuit. You know, it doesn't show up. So that's what you want. You want your car? I mean, if you want to a zero turn John Deere tractor to mow your grass with twelve thousand dollars. I'm okay with that. As long as you don't have twelve thousand dollars. Your name. One hundred percent of your net worth is in zero turn cracker, which would make you stupid. Okay. But if you've got two million dollars, and you wanna nice John Deere tractor drive around your yard with get you on. But pay cash for it and make sure it's a small percentage of your world. That's how you look at this stuff keeps you spiritually on balancing financially on balance and generously on balance. Hey, it's Kelly associate producer in both writer for the Dave Ramsey show. If you would like to your debt free scream live on the show. Make sure you Bizet daveramsey dot com slash show, it registered we would love for you to come to Nashville. Tell your story. Money isn't the only thing we talk about around here. Get life changing it by on your career for my good friend and career expert in Kalman. Oh my Ken Coleman show. Seventy percent of Americans are going to work every Monday, and they don't want to be there. But for a myriad of reasons, they feel they have to be there that is our crusade. Subscribe to the Ken Coleman show wherever you listen to podcasts. Hey, it's James producer of the Dave Ramsey show. This episode is over the check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.

Dave Ramsey Anthony O'Neill Chris HOGAN Ken Coleman Jeff foxworthy Sacramento Holland America Minneapolis Steven Curtis Chapman Anthony Dr Meg meeker Austin Dave Ramsey solutions YouTube America BMW
Former NYPD Commissioner James O'Neill

CATS Roundtable

13:24 min | 1 year ago

Former NYPD Commissioner James O'Neill

"The morning New York. This is the cats round table John. Cats Mateen's here Sunday morning with us. This morning commissioner. James O'Neill his his first day as a civilian after thirty six years of being a cop re rising from cop all all the way to commissioner. It's his first day as a civilian the morning former commissioner James on the how are you this morning. Good Morning John. It doesn't doesn't that I don't know if I like the sound of that but It's it's it's the reality but It's almost a month at a couple of days short of thirty seven years. There's IT's kind of A. It's a little strange to wake up. Not being part of that family anymore but I'm looking forward to the future. it's dermott shades. Going to do an absolutely fantastic job. He's the right person at the right time. He's got if you look at where he's worked over the years you know he's a precinct. Commander Chief of Crime Strategies Chief of Detectives A. He's going to continue to keep the city safe. Tell us back your career. You your career. Did you start originally into transit division. Yeah it was Back then it was believe it or not it was a separate police department. Do three separate police departments. There was the transit police the housing police and then the NYPD and then April Second Nineteen Ninety five the transit police merged with the NYPD. So I started back in eighty three by first assignment was doing trained patrol. Roll up in district three which is on one hundred forty six then Saint Nicholas Avenue. I wrote the a train from one. Six eight and Broadway to Jay Street three roundtrips tonight either. That all right did The train from three four and six up the Bedford Park Boulevard. Three three Round trip tonight it was a great way to find out what it means to be a cop in New York City. It was an experience. That was For me I was a little older. At the time I was twenty five and the average age back then was twenty two. It was really validated. My decision to become become a cop. I could see right from day one. How much people in the city appreciate the police? Did you even dream of someday. You might be a commission so my goal when I came on me Police Department was to to make it to. At least deputy inspector that was That was my ambition after and I didn't even know I mean coming on. I don't come from a COP. Family family wasn't all that familiar with the rank structure but once I started working and Spending some time as a as a police officer that's what I wanted to do. Never in my wildest imagination Asian back in Nineteen eighty-three riding the subway at two o'clock in the morning. I think I was going to be the police. Commissioner what was the toughest part of of the thirty seven the years you've seen a lot. What was the toughest days since? I've been the commissioner of the toughest as We'll talk stays have always been and when there's a line of duty death We just Brian mckean was just killed in the line of duty About a month and a half about two months ago actually Two months ago. Go On the twenty ninth and Ryan Simonsen on February twelfth of this year also those days are without a doubt the most difficult days. NYPD obviously difficult days for the families. It's just And then you know New Yorkers read about it for a day to paper but that that suffering that pain continues but you also see strength and courage and resilience in the family members and we just had a breakfast this past Monday For on the line of duty families place. The order tournament was filled with people and it was just. It was a good day. It really was to see everybody and I told them they do. As much for us as we do for them They the support that they give us the legacy of Their family members that we carry on by keeping the city. Safe this is. That's that's what I'm going to remember most about Uh In my time is police commissioner. You talk about the line of duty debts very very very tough suicides. Have Been front-page h.. Lately are there more now than ever before this is. There's been Ten so far this year Ten active members has taken their own lives and and to retirees There's the past five years. The average has been forty five year so this year has been especially difficult difficult Chief silks took his own life in in June of this year and after that there were six almost right in a row. They'll prior prior to this. There's there's always a lot of programs internally and externally and the Police Department where people could turn for help. We've done so much this year to try to make make it possible for people in crisis and approaching crisis to get the help. They need three. Turn them to do what they do what they would they love to do. And that's being a cop and making a difference in doing good. You know we take these jobs to help people in this. There's so many times I don't think we take enough Care of ourselves. That's why we've established a health and wellness division. And that's being overseen by Bob Ganley. WHO's the deputy commissioner of employee relations? And we have to do whatever we can to tell people. Come forward to get them Back to I love and what they do to to get to keep the whole police department. All fifty four thousand members of this great police department to keep them healthy and well and A lot of effort has been made over the last seven or eight months in that regard. So you know it's this is a difficult and dangerous job and the people that take these jobs Ah I love them dearly and again I just want nothing but the best for them. Now you pincher mission there for three years now and new has been safe under your watch. You feel good back to watch three years since. Commissioner and New Yorkers we kept New Yorkers safe and Eh. What was there any point two three years that you were nervous at seventy was going to happen so this is a job in? I'm sure Ray Kelly and bill bratten would tell you the same thing. This is job that That consumes you consumes your time It's all you think about. It's all I've thought about for the last three years and actually actually the last five years because I was chief of Department before that and you think about it. It's not it's not. It's not really wary it's it's just concern. Earn for everything that could possibly happen. And just to make sure that you have the best people in place. The best strategies in place to keep the city safe from traditional crime and and from terrorism. So it's We watch crime We Watch crime by the minute you know. Carry a smartphone as all the other thirty six thousand cops every homicide every shooting every home invasion every major event I see came up. Come up on my phone in real time and we just have to we. We do that so we can make sure we do. Our Best Have the people properly deployed out there. And and mitigate any threat and continue to make the city safer your successor his check hermit. How long have you worked with him? I know Dermott I haven't I've worked with DERMOTT. I mean see. He took over the four four probably around two thousand and six thousand seven but I've known dermott since The late nineteen nineties actually used to play roller hockey against each other This it person he's the right person At the right time for this job to be the forty foot police commissioner. If you look at his career he was a precinct commander also and I think. I think that's the probably the thing that helped me the most being a precinct commanded preparing you for this job. He was the CEO of five. Oh and Riverdale. He was the CEO of the four four Mile Command in the South Bronx chief crime strategies helping to keep crime down and then chief of detectives and he's He's done an outstanding job in that position to and he understands that there is no difference between community policing in fighting crime. He knows that's one of the same thing and he's GonNa Continue to build relationships and make those relationships relationships better so New York is really get a good sense of understanding who we are and why we do what we do. You sat down with German. What advice would you give So so Dermott a lot like me. I mean Much or if either one of our of our advice givers or advice takers Base because we've had you know tremendous amount a number of years of experience but it did tell them just to be prepared for At any time Something can come up and when whenever whenever you think. There's GonNa be a team that's when it gets busier now because you're doing so much you're looking at crime you're looking at counterterrorism you dealing with elected officials you're dealing with communities. He's dealing with unions. It was is probably ten to twenty things going on at once at one time I did tell them. Do Your best to make sure that you get enough sleep. Eat right you stay healthy. I told him it's going to be a tremendous experience because it is now. It's an honor and a privilege to have this job. I'm the forty third. He's the forty fourth fourth. And he's GonNa do a terrific job and keeping the city safe but it Sunday twenty. It's your first day as a civilian. What will you miss the most I've been asked that question a number of times over the last few weeks and I gotTa tell you the truth. I'm GonNa Miss Everything I'm going to miss the people I'm GonNa Miss fighting crime. I'm GONNA be I mean missed it barge events and it definitely GonNa Miss New Year's Eve which is our biggest event a couple of things that are probably not gonNA miss us Maybe hopefully be able to get a little bit more sleep now take a little bit better care of myself and maybe maybe maybe not look as my at. My phone is much It's a it's a terrible habit that I've developed over the last few years. I'm constantly checking it. And he's not micromanaging. It's just to make sure that the city safe and the cops is safe that they look at it so next next time when I check my phone this morning Bill Bratton told me this he said first time he checked his own after he left the job. only saw his phones where where were sales at Walmart Walmart. JC Penney's here so wherever wherever store popped up on his phone so he's I learned a lot from that guy and I am especially thankful for everything that he's done for me and my Family Bill Bratton was. It was a great police commissioner. How about your new job and Wendy? You begin so I actually I'm flying out tonight. I'm going out there and I'm I'm starting tomorrow out on the West Coast. It Selby the senior vice president of a global security visa. I'm really looking forward to it I've had the opportunity to meet the number of The executives the team out there. I love the culture. So it's a it's a good opportunity for For me and my family and I'm really really looking forward to it. Obviously GonNa Miss Being a commissioner. The Best Police Department in the world but we all have different chapters in our life and this is my next one. So you're going to be in charge of the entire world for visa. Is that exciting. Yeah it is the director of global security so again I'm I'm involved in keeping people safe so I think that's another thing that drew me to the job you know it's It's been a life passion for me. I don't come I'm from COP family. I don't know why it's my D- But it is and this is going to give me the opportunity to do that. you know For a few more years or many more years actually apply one last question your finishing off on December one on January one is a whole bunch of new reforms in the state criminal justice. Are you concerned for the people of New York I am concerned but we we are The NYPD IS RE resilient organization. We just have to make sure that we are all working together. NYPD the elected officials fficials all imports. Six Million New Yorkers and we take a look we make sure that we look carefully at At at crime. And if it's a it starts parts to go up we have to make sure that We can adapt and make changes as needed. Because we've come a long way John as you know you know from over two thousand homicides in the early nineties to under three hundred and seventeen and eighteen This year will be ending up just slightly over three hundred. I think that's A. That's a long long way for a city to come and we can't take it for granted that those crime decreases GonNa continue unless we pay attention to everything and it's now we are very reform-minded police department. Look at what's happened over here over the last five or six years but I am concerned and I know Dermott concern too. And so is Terry Terry Monaghan and we are going to be watching carefully and working with the elected officials to make sure that whatever they see whatever we see they know about and if we need to make changes changes make them as quickly as possible. Because there's a human cost of this Commission O.`Neil thank you from all New Yorkers for keeping a safe the last three years and for everything you've done for New York and no matter where you are in the world we will always consider you a New Yorker thanks China and I always will consider myself a New Yorker always consider myself a cop. Thank you for for your talent and always having me on your great show so I have a good Sunday morning pack you. This is the cats round table. We'll be right back.

commissioner NYPD New York City Police Department commander John me Police Department deputy commissioner CEO New York Best Police Department James O'Neill Dermott Mateen Bill Bratton Bob Ganley Bedford Park Boulevard
662: Where There Is a Will

This American Life

1:03:33 hr | 2 years ago

662: Where There Is a Will

"Support for this American life comes from rocket mortgage by Quicken Loans. Introducing they're all new rate shield approval. If you're in the market to buy a home, Quicken Loans will lock your rate for up to ninety days while you shop to get started go to rocketmortgage dot com slash American and from capitol. One Capital One is reimagining banking by offering accounts with no fees or minimums that can be opened from anywhere in five minutes. Capital one. What's in your wallet Capital One NA my net? Gar. His mom. Does not take. No for an answer that cars Israeli at our carrot. We've in his short stories here on the radio show now. And then if it years ago at cars older brother was in the army serving Lebanon, Israel, had just invaded Lebanon. It was war and sends a credible to us. But the policy of the Israeli army is that if it's at all possible, you go home on we've every two weeks, and I've been on. Close just next door to Israel. That guy says his brother was coming home every month, and then you know, that stopped. He wasn't getting any leave. And my brother didn't come home for almost two months. And he drove my mother grazie. And she decided that she should it. Get my brother back home, you know, any very difficult due to deal with anything during the war because everybody's stereo and crazy, but she decided that she needs to speak to the chief of staff, and she started calling and they the staff is like the head of the army the day day head genera- for the entire army. Yeah. That guy explained her strategy was simple. Just call. The guy's office talk to whoever answered and she would Doke for don't get enough. And she would have something that you could say offended her or may they're angry, and then she asks to speak with debt person superior. She did the same thing with that person. And then that person superior and so on and on and on and on Indian key, founder says speaking to the head generally know, a the fatty Thanh who's one of his most famous. Kind of war heroes. And he said to this in the generate a time. I know that you fighting a war, and I really don't want to waste any of your time. So I really make it simple. My son didn't get to leave from the army for the past two months. I give you twenty four hours to sending back home. If you know what's good for you Huby back, you know, before tomorrow evening, wait, if you know, it's good for you. Yeah. And the guy says I just want to understand MRs scared. Are you reddening me? And she says, yes, I am reading you. And then, you know, I didn't want to put it in the subtext because I know that you busy. So if you know what's good for you. And I you send my son. And he says to MRs Kurt do you know who I am? And he said, yeah. Yeah. You day the war hero. And he said to if you know anything about me is in you know, that I'm not easily scared. So why am I said? Yeah. But I don't think you had many chance to fight with elderly holocaust survivors were five foot tall and weigh eighty two pounds. And I wanna tell you something, and I make it very simple and very quick, you know, after you quit the army, you either go to politics, or, you know, go to the flea market in both cases, you're going to be very exposed in both cases every time. They'll be TV camera around or journalist you have this utterly lady. Sitting in the first roll shouting at you accusing you of any bad things that you might have made a maybe of some bad things that you've never made because I'm a very good liar. And you really don't want that. So and. That stage he hung up the phone interface. The next after noon at cars, brother arrived home. So they put them out of his ranks. Don't get on a helicopter. He had no idea. What was going on nor did anybody else? Use him some family member died or something at guard says and he got his break. He came to shower stepped for sixteen hours, my mother, SOS it. He was okay. And it day after that he went back to LeBron. I should say we cannot confirm the details of this story. Gooding the dialogue between et cars. Mom, and Rafael Eitan this happened over thirty years ago. Icons dead. We got that cars mom. She said share whatever at car says. But there are many stories of that cars, mom doing things like this. There was a time. She threatened a mugger so effectively that he abandoned the idea of mugging or in the middle of the mugging. There's your showdown with the president of Poland that end when the president of Poland finally gave her the passport she demanded as somebody who had been born in Poland that cars the same way in certain situations. So it doesn't threaten that's not who he is just reasons people to death. Case in point a couple of years ago, he and his wife, Sarah, and their then eight year old son web, traveling and they left a backpack on an airplane in the backpack was at cars, ipad, which had all of his sons games on it. You know, if it's months on these games working his way up the levels of the games. Now that was gone that was really messed up about it. And the parent knows what I'm talking about. And the call the airline the airline says no problem when you get to the airport for the return flight, go to awesome found it'll be there. So comes a day the runaway home they get to the airport. This is in Rome. They can't find the lost and found time is getting short. They've got a plane to catch finally a guy at the car rental. Super nice guy offers to take them to it. He's name was Massimo, and he took us to the lost and found place. Whereas it was this really really nasty woman. And I said to you know, you have our bag, and we suppose to take it, and we're gonna fly really really soon. Do I can actually see it and a pointed to the bag, you know, because it was behind her. And she says she needs a letter from the airline saying he was on the same flight as the backpack. I go doesn't have this letter. She said, sir. I'm not going to give you the bag without letter. I'm sorry. But I go to Israel. I never get to see the bag. And she said, you know, that your problem. Somebody who knows that Carl just say wrong live, something deep and powerful kicks in inside him. My wife said to me. Okay. Let's go. So we won't meet deflect and said, no just a moment. And they sit through the woman. Look don't give me the back. But just do this kind of thing these deep, you know, the the outside pocket of it. And see if there are crackers in it with a Hebrew writing on the package of records. And she said, why would you wanna do that? I said I just ask you to do it. And she went to and said, he their curriculum. So sit too so we both agreed that this is my bag. She says. Yeah, this is your bag. So I said to sued you, please give it to me. He said, no, sir. I won't give it to you. Unless you give me this letter. And I said, but you understand my son is he and his game is are you a parent. And she said, yes, I'm at Barron and said to her so think about it like, you know, issue son a head game. He really wanted to and you had to go and confront with the person who'd say, yeah, I know this game is yours, but your son is never going to get it. Just. Because of some kind of technicality. I mean, you're Italian, you know, beat down in, you know, be warranty. Nice leaning give me the bag and she said, no, sir. I'm not going to give you the bag. And you're wasting your time you better go to your flight because you're gonna miss your flight. And let's go she's going to give it to you. And I sit where but don't you understand like, you know, as a human being, you know, will be one day where you die and you look back at your life, and you think about this day. And when you think about this day, you think about this father came with a child, and basically technically you could solve all the problems, but you chose to kind of stick with some kind of technicality. Would that be a nice dying fort to leave the word with? She was beginning to say, sir. I'm not going to give you an, but as she was about to say that Massey. More the guy know from the car renter jumped over the counter. Picked up the bag and she said to him what are you doing? And he said to I can't take it anymore jumped back over the counter, and he gave me the bag and she said to him if you don't get the bag back I'm gonna call airport security and they're going to arrest you, and so I said to him look too good solution. Take the big and Mustang was said to me look at me do as a say run. Is as happened so often that Carswell sheera? Whereas someday somebody's it's going to go nuts on echo or something heard situation when my wife just system just shut up shut up shut up. Now. Don't talk about anymore. Shut up, you know. And and I always listen to my wife, but you know, when it starts I can still be. But at the same time, I think I'm I'm this Essel know just keep arguing doesn't move on. And I really think that you know, that this has to do is we something very kind of prime lose it when I was. Child. You know, my parents were both local survivor Z kind of raised me say, you know, people people are good. But sometimes, you know, they don't get the good, you know. So you have to kind of terrorism things you time, maybe slaps them around. And then then phase Antezana the good. And then they're gonna listen and everything's going to work. Danta program at somebody else who can't help himself. He see something needs to fix an east care of needs to make it right? And then sheer force of will he makes things. Boldly radically. Though is it Harare. If you can't stop yourself WBZ, Chicago. It's this American life. I'm regardless stay with us. Glenn? Loudspeaker? So we start today with the guy who want to overstate this. And it sounds really big when you say this out loud. But I really think it might be the truth a guy who with sheer force of will outta. We changed our politics and created the political world we live in today. Logs at a second man who helped him Zoe chase tells the tale. It's probably helpful in telling this story to remember I second with politics was like before today now different from formal in quaint things used to sound, ladies and gentlemen, the president of the United States. This is President Reagan walking onto the south lawn. It's nineteen Eighty-three April. But apparently a cold day one of the lawmakers looking very Soviet and his big coat and for collar. I wonder what extend to all of you, very warm. Welcome. Something ought to be warm Reagan's in the seventies all Brown suit with the Brown tie. But especially fitting that so many of us from so many different backgrounds. Young and old the working in the retired democrat and Republican should come together for the signing of this landmark legislation social security legislation. Major bipartisan compromise involving raising taxes and cutting spending two things that only go together when it's bipartisan compromise, and now as a special treat, I would like to ask two of our leaders from congress first step forward for a few words speaker of the house of representatives the honorable tip O'Neill. Mr President, Mr vice president, my distinguished colleagues and government. This isn't a happy day, a special treat, the democratic leader the friendship between Ronald Reagan and tip O'Neill, one of the most famous friendships in American politics these days, it's regularly tried it out like a feeble to demonstrate with the good old days where like back when things worked. If you knew anything about speaker of the house tip O'Neill, you know, he was a bipartisan Schmoozer a big money guy took up a lot of space in the room. He invite members from both parties to poker nights and DC using congress for decades. And by the time, he was speaker. He was a living legend type we got along. I had tip and his wife over for dinner. This is Reagan talking to William F, Buckley. Then one day I picked up the paper and rid where he had made a statement about me that was. Pretty harsh and I called him. And I said tip. I thought we had a relationship here where we could do business together. Now, I read in the paper that you said any interrupted me and said, what will buddy that's just politics. He should after six o'clock. We're buddies. We're friends. I did take it that every once in a while when we had a meeting I would visibly set. My watch six o'clock. To be fair O'Neill had been known to call Regan, real Evans or Scrooge truth is their relationship was complicated. They disagreed profoundly about a lot of stuff. But that's the point. It's why people tell each other the story the two were able to come together and talk compromise and pass legislation. Anyway, here we are today. The MS thirteen lover Nancy Pelosi people are mean about each other now in public all the time in particular the president. And of course, people fight back. This is congresswoman Maxine Waters, his not a role model for our children. He is a liar. He's a conman Maxine Waters, a very low q individual never see and Connor lamb lamb this sham right lamb, the sham lamb the sham. Never caught on. You know what I'm talking about? It's different now. I wanna lay out for you one theory of the case as to how we got from there to here we've always had two parties. But we didn't always have two teams like me do now red versus blue versus them each side routinely. Demonize the other side is unamerican you sign up for one issue the wall. The Muller investigation, Colin Kaepernick climate change. You basically sign up for all of them wasn't always Suzy euro sunlight, it's become you could explain what happened in different ways. But I'm gonna argue it was the work of these two guys that got us to this point two guys one quarterbacking the other. And so without further ado, ladies and gentlemen, the first of the two men who created the modern world from Fox News from Republican primaries. Gone by former speaker of the House, Newt Gingrich. Hope I can convey this in a way that you can really feel. If we lose we will be able to look our children, and our grandchildren the face and say, we did every thing we could to save this country. Was a weird nerdy kid growing up people close to him say, he always pictured himself as a historical figure someone who had been the course of American history. Someone who and -ticipant at stories like the one I'm telling you now from his teenage years he thought this way he ran for congress twice in west Georgia lost. And then finally wanna see in the house in nineteen seventy eight with a seventeen seventy eight attitude. There was a revolution on and the country's very existence was at stake. We're fighting a war. Gingrich said back then were for power raise hell, raise hell, all the time. His goal was to retake the house of representatives at the time and impossible dream Republicans had been in the minority for twenty four years people called it the permanent Democratic Congress once Newt finally got there he discovered as heat suspected was a police full of losers with Stockholm syndrome was chummy loosely guys and suits and ties smoking cigars playing poker together. And generally getting along hanging out talking to each other, also, depending on your perspective. It was a corrupt cesspool of bribes and giveaways, definitely hard. Gingrich side Republicans didn't have much power, but they'd go along to get along and occasionally do some deals and most of them had stopped imagining. It could be any other way. And learned most of this story from the great political reporter, Steve Kornacki. He just published a book about this time called the red and the blue the nineteen nineties and the birth of political tribalism. He's also that excited guy at the big board on MSNBC during elections. He explained that Newt arrived in congress determined to turn the police upside down, you didn't want everyone getting along Republicans were never gonna take the majority that way you wanted to fight and the weapon he used was the media his arrival in the house coincides with a historic moment in the house. And that is the first television camera is placed in the chamber in nineteen seventy nine his first year there, and it's it's C-SPAN C-SPAN may not sound exciting to you. But a it's still awesome. And be it's a major change. Now anyone can see for themselves. What's going on in congress? If they want to and people in congress can speak to anyone on the outside. Newton gets it right away. The rest of the house does not there's a lot of opposition to it. Because this is. Club here. But once the cameras there most members, they just kind of ignore it, and they leave at the end of business day, and they go, and they they do whatever it is. They do after business hours to Newt Gingrich here it is. I want people to notice this around the country. I got I noti- now. Yeah, it's Twitter. The gentleman from Georgia. Mr. Gingrich is recognized for sixty minutes. Thank you speaking. I'm gonna pick up Mr. Walker left off in the document entitled what's the matter with the democratic foreign policy by Mr. Frank, re Gorski, okay, not Twitter. Exactly. He's prophecy. Oreo pedantic not a lot of flare somehow someday this country has got to learn to live with revolution. In the third world. It's endemic. It's Ed he starts claiming there's this rule in the house that any at the close of business and any day any member can claim the floor for any reason they want for pretty much any amount of time. They want and called special orders in Gingrich starts claiming these these special order speeches, ten o'clock at night, eleven o'clock at night. It's an empty chamber colleagues are asleep. They're drinking. They're out. They're not they're they're not listening to this. They're never even going to hear about this most of them. But Gingrich knows there are people all across America who got these new cable boxes in their house who are like scanning the dial and seeing what's out there. And some of them are going to pause when they see him in what they're hearing is he's not giving a dry. I speech about. And now if I can direct your attention to subsection three of the agriculture funding. He's giving these grand. Grand speeches about American politics in American identity and the corrupt democrat machine often Gingrich or one of his few allies was explaining how the Democrats were fringy communist radicals, like the whole party, everyone in the party, this more or less, a socialist. It was sort of his version of all Democrats want open borders, but less punchy since communism doesn't strike them. As an independent inexorable force feeding onto tunnel, Terry and personalities and concepts McGovern. Democrats don't fear. It trash America. Indict the president and give the benefit of every doubt to Marxist regimes. That's the standard formula. It is. He is producing what you would now recognize as a cable news show on the floor of the house and he's performing for the camera and he's giving his monologue. He's giving his monologue on the decay of the Democratic Party of the decay of American culture, the promise of a Republican party embraces opportunity responsibility. And all these things and there's an audience it starts to tune in. And. And he knows it. He he gets that. He gets the potential of that before anybody else. Newt believe there was a Republican majority out there because just a decade earlier Richard Nixon had trounced the democratic candidate for president. He wouldn't forty nine out of the fifty states. Clearly, there was an appetite for Republican rule, but Republicans were still a minority in the house people somehow weren't thinking of their Republican votes into one Republican ticket. Would he needed to do was paint? All the Democrats more clearly as the enemy to the voters, and he do that by associating all of them with the candidate who lost to Nixon George McGovern George McGovern would sort of the Bernie Sanders of his day. So lefty, even freaked out a lot of Democrats and seventy two the counterculture antiwar candidate. If Republicans were able in nineteen seventy-two to score that epoch of a landslide running against the Democratic Party of George McGovern in the activists behind him. Newt Gingrich believed that's the key to the Republican party winning everything if you Nash. Nationalize politics, and you make voters everywhere in the country. See in whatever democrat is in their backyard, who's running for whatever office, it is congress or sheriff or state legislature or dogcatcher if you get the voters to see that democrat as no different from George McGovern in the folks around him while you know, how those voters are going to react they're going to go, and they're gonna vote Republican. And so his idea was to make voters across the country judge politics based on what they saw coming out of Washington based on what they saw coming out of the national media based on what they saw on C span were over and over again, Newt brought up McGovern in the late sixties and early seventies. It became a truism with the entire American left from bomb throwers in Chicago to eastern writers to progressive pinstripe supporters of Eugene McCarthy and McGovern the southeast Asia would be fine. Once the US left attacking congressman by congressman. I name congressman Harkin on June. Twenty-sixth nineteen Seventy-nine told the house that the Sandinistas new. More about nurturing democracy than America did quote should the United States feel impelled to meddle once again. Nicaragua. The result this speechifying metoo speaker of the house furious. Remember speaker, the affable muppet tip O'Neill, Newt Gingrich and a couple of the other guys. Gingrich acolytes are talking smack about specific congressman questioning their patriotism on the public record. And they aren't even there to respond that was not done. It was against the gentlemanly code of the house as speaker tip O'Neill controls, the cameras, and he orders them to pan out and show, the empty room that Gingrich and his buddies are addressing Bob Walker Republican from Pennsylvania happens to be speaking, right, then and he takes great umbrage when this happens. But I do want to take note of something. That's evidently happening right now, which is a change of procedure here. Tip o'neill. This will make the guys look petty talking to no one watching it. It's. It's like a surreal Becket play a tiny man at the bottom of the screen gestures wildly from podium as we speaking to a big crowd. But he's surrounded by empty chairs. It is my understanding that as I deliver this special water the evening. Other cameras are panning this chamber demonstrating that there is no one here in the chamber to listen to these remarks that is evidently that the work of a change in the in the pattern of rules around here. It is one more example of how this body is run the kind of arrogance of power that the members are given that kind of of change with absolutely no warning. I see the gentleman from California. Mr Coelho was standing in the back of the chamber just a moment ago. Mr Coelho has talked in recent weeks about shutting off these special waters and not allowing them to even be seen in the countryside. And he stands in the back of the chamber now smiling, I have to I have to feel that perhaps he is getting worried that some of the things that are being said in this. Chamber in these special orders are in fact, influencing people out across the country to think that this body is something less than what the American people think it ought to be lots of C span watchers today understand congressman or putting on a performance. There is always someone in the audience, but it was new back. Then this all sets up a wild showdown between Newt in the speaker tip O'Neill a few days later. Gingrich gets time on the floor. Okay. I have delighted to yield artist English speaker if he wishes to continue this the speaker of the house tip O'Neill 'Skin Grece t- yield. So he can say something does knowing the speaker is gonna yell at him. This time the chambers packed with congressman and reporters both. Here's tip O'Neill, my personal opinion is this you deliberately stood him at well before an empty house and challenge these people, and you challenge their Americanism and its lowest thing that I've ever seen in my thirty two years in congress, Mr Speaker if I may reclaim. My time as insults. Go in the US house circa nineteen Eighty-four this is big. So big Trent Lott Republican from Mississippi standing near the speaker says I move we take the speaker's words down a mood. We take the speaker's words them. This means that would tip O'Neill just said to Gingrich is so offensive so toxic that he wants the wrongness of it officially acknowledged perhaps even struck from the historical record as though it had never been said for five full minutes. Everyone shuffles around clutching their pearls about Newt about the speakers behavior. How do we preserve the dignity of the house? The clerk reads out the offending speech once again, so that the chair can decide what to do about it, my personal opinion is that you deliberately stood in that well before an empty house and challenge these people and you challenge their Americanism. And it is the lowest thing that I have ever seen in my thirty two years in congress. Feels that type of characters ation should not be using too big. This is like saying that was out of line. Don't do that again that was very bad. But it doesn't actually reach the words from this record still. It was an epic showdown. Speaker of the house tip O'Neill being scolded in front of America. Maybe it's hard to understand what a coup this is for younger congressman, but think of him as a producer a producer of his newly formed experimental cable news show on C span. Help expertly produced. This moment was everyone's in the room. The speaker of the house basically promotes Gingrich's late night program. Then this bigger gets called out in front of the whole country. And he looks era Ghent in new Gingrich's at the center of the room like a conductor pointing from one guy to the next guy doing out time as the speaker gets red in the face and yells over the room. Gentleman missed the wave. Gentleman. Missed wocka expressive. Remember that? Boyd a parliamentary inquiry in the stories covered on the nightly news. This is a turning point for Newt Gingrich. He's now the pied piper. And other Republicans star rallying to his causes not long after this episode tip O'Neill retires, and he's replaced by speaker Jim rates Newt season opening to take right down thinks it'll rally the Republicans in the house. It's a battle. They can win right is with cocky and dismissive of the minority party with none of the HALE, buddy. Tip O'Neill warmth. It'll be a branding exercise for the new aggressive Republican party was selling. Here's what happens. He weeds a story in the Washington Post about the new speaker getting fifty cents on the dollar for every one of his books, he selling it's more of a pamphlet than a book, actually. But it's a way to give the congressman back door donations the people buying it. We're like the local Teamsters in his district and supporters rallies. You talk to the papers about this compares, right? Mussalini makes speeches think of it. As though he's standing on his tip toes shouting over the heads of congress to the American people. Draining the swamp that's his intention in again. It's just the idea that here's this clubby elite arrogant institution that the corrupt democrat machine is is powering. And and they are so disdainful of you everyday Americans that this is how they behave. And so Gingrich is calling for an ethics investigation against an ethics committee investigation on that house speaker is like shooting, the general you're not supposed to the code of the houses, you don't do this new striking at the top of the food chain. It's brazen. I wanna see here tactical as Gingrich's attack on bright was from one perspective. This was an attack on corrupt Lisi Democrats that was long overdue. It felt idealistic for everyone. Sick of being pushed around in the minority. Gingrich promised new system that was less corrupt more transparent more accountable. To the voters. Not just like we're putting on a play that were two parties. But it's PM we drop the mask and make it work Democrats freaked out when this happened, but Republicans were getting into it. It's not like Gingrich launched campaign in the entire public and party signs of letter in that shit, but they they didn't pull aside and say stop, and I think even a couple years earlier with tip O'Neill that would have happened. Newt gets his ethics investigation into the speakers behavior. Right defends himself petulantly on the house floor is true. I think. People on my staff were eager to sell these. I've got except some very badly wrong. But the rule doesn't say. It's kinda yes, I had a private E mail server, but it wasn't that big a deal, you know, by now, how that goes over after an investigation the most powerful man in the house who serve for thirty four years is forced to resign rate gives a speech on the house floor that reminded me of Jeff flake retiring from the Senate last year, and it is reversely hurtful society. Vilification becomes unaccepted form of political debate negative campaigning becomes a full time occupation. When members of each party become self appointed vigilantes hearing out personal vendettas against members of the and he frames it in terms of, you know, something wrong is happening in this institution. That's not what this institutions posed to be over. Then you know, when I came here congressmens word was congressmens word and that mattered for something, you know, when I came here we in question each other's honor. I mean, it's all subtext all this. He's not using his name, obviously. But the subtext of this is Newt Gingrich harsh personal acts on one another's motives and one another's character drown out. Why of logic serious debate on part of Asians? Surely, that's where the. Jim Wright painted his resignation as a sacrifice on the altar of civility. He seemed to think is resignation would be so dramatic. It would put an end to the wars. Gingrich started in the house, obviously, the opposite is true. Republicans in congress are galvanized by rights fall tactics to get the wars that Gingrich dreams of are starting to materialize. New becomes the second. Most powerful Republican in the house, and he starts making himself into a franchise in the mid eighties. He starts running. This is Asian called go pack, basically, a candidate training organization and fundraising tool. That's where he develops these audiotapes little by mail, cassette tapes that teach potential candidates how to do Newt's divisive brand of politics. John banners? Talked about driving around listening to tapes like this in the car, I want to repeat it. But I'll just tell you. I have said this now for six months and every audience I say two nods. Yes. And understands you cannot maintain civilization. With twelve year olds having babies fifteen year olds shooting each other seventeen year olds dying of aids and eighteen year olds getting diploma. They can't read, and I stopped audiences and say now if you disagree with that, and you think you can maintain a civilization with those things going on the rest of what I'm gonna say rela you're not I don't waste your time. You're not. On one team or the other. So that's a lot Gingrich's almost at the height of his power. He has an army of Republicans falling in line using the same language that they're going into battle his media attention, but at the same old entrenched Democratic Congress Republicans keep winning these big presidential victories. But the houses stuck with that permanent Republican minority. That's where the second guy comes into this story the guy that made Newt Gingrich's dreams. Finally, come true. And no, I don't mean Democratic President Bill Clinton there. You could certainly argue that that is why gets his wish but something happens before that someone this is a man who I think has had an astonishing impact in America. He is in many ways the quintessential American, here's Newt Gingrich. Introducing him at training event for public in candidates and ninety five one of the reasons I believe in the end will win is the person is about to talk to you. We now have a media giant who stands a stride the entire society. Join me in welcoming a man who is creating the twenty-first century. Rush limbaugh. Rush Limbaugh was the perfect tool for Newt's mission. You knew had basically the same views, but Russia's outrageous and exciting you meet his listeners feel like they were part of a righteous underground, the only people who are still saying in a world, gone crazy and stupid. Thank you. Thank you very much. Nice to be with all of you extremists tonight. It's nice to be with like minded souls who want to starve our children and get our old folk sick and dying in the gutter. It's so nice to be with so many of you can just look out there. I see in so many hearts and faces the desire to poison the water in the air GM net great to be together here tonight. Russia's communications ambitions were just as high as news political ones. He never wanted to be in politics and just wanted to make the greatest radio show ever. Tied behind my back just to make it fair. It's the Rush Limbaugh program from New York in our flagship stations at the standard for political talk radio. And of course, we. Have it right here? Widely imitated rush was funny. Did you know that the White House drug test is multiple choice? He could also be cruel. He said things like if you don't wanna get aids don't have gay sex. He was heavily anti political correctness. Hinge acting almost as Newt's defacto interpreter. He's used up his message brush doesn't sound like a nerdy. Professor Gingrich talked about saving America from liberal politicians. But Limbaugh sharpened the versus them. Democrats were about this Republicans were about that this is from Russia's TV show or I only Baird big trouble. She's been nominated as Torney general. But as you all know, she hired illegal aliens to take care of her kids. Now, she only makes six hundred sixty thousand dollars. As Cokie Roberts have ABC says she had the best line that kind of money should get higher. Mary poppins. What does she? Now. I have a couple of points about this. I wanna make that I don't think anybody else's made except me other places in case you haven't heard it. You should hear it because brilliant points Bill Clinton's nominee for Torney general. So we Baird hired undocumented immigrant as a nanny for kids didn't pay social security taxes at the time. I was eleven I remember it. Well, choose the only other Zoe I'd ever heard of. So I was thrilled. So he paid the money back after she was nominated and neither Senate Democrats or Republicans saw it as big deal at first, but new Gingrich. This is that's the nerve of politics that Newt Gingrich is just conditioned to look for. And it's God. Could it be any bigger, right? You've got a democratic president coming in. And he for attorney general the top law enforcement officer in the country. He's nominating. A woman who just sort of, you know, blatantly flouted social security taxes, it just that populous nerve of they get away with things you don't they live lives of privilege. You can't imagine. They Lord it over you. They don't have. To worry about the things you worry about it. Touched all of those nerve Gingrich guide at immediately. He's railing against this Limbaugh guided immediately, he's railing against this. And what happens is the senators who are in the comedian in don't feel this this immediately. They start feeling it. 'cause they're phone's ringing off the hook. You know, they're they're Democrats who start saying after a couple of days their office of calls are like ninety two one against Zoe Baird confirmation. I mean, this is why spread and then they feel the pressure. They pressure that Gingrich and Limbaugh have stoked and and it kills the nomination. When Newt needed to communicate something to voters. He now had a direct line to millions of them listening to rush every afternoon. One after night we have in the middle of a big fight here. And I called rush Limbaugh's program director. And I said, here's exactly what's going on. He turned on C span. He could see what was going on. It was an issue. They cared about. And rush went straight in talking about. And he's got somewhere between four and fourteen million people, but it's a lot and they're intense an hour later, I had members what the floor saying what did you do? Because literally in some places their phones are so jammed. They couldn't use them. That's from a documentary. Rush Limbaugh, America. It describes how Newt would just fax talking points out to talk show hosts around the country. It was like he was calling in airstrikes by what to read to you. Now, a paragraph from a letter that Newt Gingrich sent to all Republican members knew it wasn't just starting the pot with divisive politics. He did have a policy vision got people to unite under it going into the nineteen ninety four midterm elections. Hundreds of Republican candidates signed onto this thing. The contract with America for a moment. They were all literally on the same page with Newt Gingrich the contract promise to fix everything they thought had gone wrong after forty years of one party control of the house their anti-corruption measures targeted at the congress itself. Plus a slate of ten proposals to balance the budget cut welfare tougher sentencing, lower taxes, basically, a limited government law and order agenda there in the contract in full in an ad in TV guide because. Everyone read TV guide and they'd open it up several times a week. And with that, Newt Gingrich, of course, got his majority like he'd always dreamed and became speaker of the house in nineteen ninety five he moved into the office held by Jim raid and tip O'Neill before him. Here's democrat Dick Gephardt handing over the gavel with resignation but with resolve I hereby end forty years of democratic rule of this house. Gingrich pledges to work across the aisle as they always do do for the first time Republicans don't have to. It's an epic hugely significant victory, though, is news stream many people called it. The Limbaugh congress. How does it feel to be part of a majority? That's right. It wasn't just the majority gotten people seem to be signing onto their vision of the country that it was split into two clear camps. Democrats were immoral welfare-state loving, politically, correct, feminists, Republicans were responsible balanced budget, promoting normal regular Americans one of the questions. I was asked as the as the reporters were peppering me was do you think Newt will moderators stance now that he's the speaker of the house, and I said that or not? From the moment. Gingrich becomes speaker things. Get pretty red versus blue one Republican. I talked to this week quoted to me from memory indignant, something ABC news anchor Peter Jennings said on the air when Republicans finally took the house installed Gingrich's speaker Jennings said the voters had a temper tantrum the nation can't be run by an angry two year old. This Republicans point was it wasn't just Rush Limbaugh who is stoking the fires of partisan warfare. It was the mainstream media would he'd call the liberal media. It was a new day in congress speaker in the president kingdom in Clinton. They did not hang out the politics that follow our personal and vicious as I'm sure, you know, it's a storm of whitewater, Hillary care government shutdown Vince, Foster impeachment proceedings seems like the two sides couldn't stand each other. When Timothy McVeigh blew up a federal office building in Oklahoma City Clinton gives a speech blaming in part talk radio for spreading hate. It. Was gridlock, politics, depending how you saw it. It was struck Shiism for its own sake were obstructionism in defensive bigger ideas. That were finally part of the conversation. People signed up for red for signed up for blue politics team sports, new compromises in other words, leave arrived at today. The whole reason I wanted to remind myself of Newt and that time where these pass midterm elections. They felt like the extreme sports version of Newt's game plan. Just like he worked really hard to make every democrat into George McGovern. The campaign that the Republicans ran tried to make every democrat into a caravan loving, caviar. Hating Nancy Pelosi nude himself was on FOX of bunch and his Lieutenant what honor this is so exciting. I have been watching Trump rallies from the very first one. Rush Limbaugh was the opener for Trump's last rally before the mid term of this talking to people backstage and somebody said that the president and all of us have labeled by some Democrats to the media divisive. Device. The Democrats never even accept that. They want the two thousand six. There's this one moment where I think neutralize maybe he'd gone too far and pushing people apart Stephen gillen reported the story years leader in his book, the pact was Toby nineteen Ninety-seven. Newt was speaker Clinton was president. They wanted to cement their legacies is great men of history. They decided to tackle two of the most daunting issues out there, Medicare and social security fix them once and for all they'd be safe for generations to come the federal budget for once it was about to run a surplus now is the time because they've fought so publicly they met in secret to avoid reporters. Gingrich entered the White House through a side door if the partisans in either of their parties, they were working together the deal would fall apart zealots on both teams would punish you for working with the other side. The deal never happens. Four months after the agreed to work together. The Monica Lewinsky story broke a few months after that Gingrich was pushed out of the house. He had to deal with ethics charges like the speaker he'd gone after ten years earlier, and he was really unpopular by that the political environment he'd willed into creation. It's spit him out can't work anymore with these cannibals. He said as he left but look at him now. Can't stay away. Jerry chase producers program. Thanks, Steve Kornacki, book gave us the idea for the story. His book is called the red and the blue the nineteen s and the birth of political tribalism coming up now, I would say that one of our co workers got the idea to the store you're going to hear in a minute. He would say he had no choice about that. Or for that matter about anything ever in his life. And he'd say you don't have a choice either with Alli means by that. And he is not kidding in a minute. Chicago public radio when our program continues support for this American life comes from rocket mortgage by Quicken Loans. Introducing they're all new rate shield approval. If you're in the market to my home, Quicken Loans will lock your rate for up to ninety days while you shop. It's this type of idea that has made them America's largest mortgage lender. To get started go to rocketmortgage dot com slash. American rate shield approval, only valid uncertain thirty year purchase transactions additional conditions or exclusions may apply based on Quicken Loans. Data in comparison to public data records, equal housing lender. Licensed in all fifty states and MLS consumer access dot org number three zero three zero and from capitol one Capital One wants to build a better Bank one that feels and acts nothing like typical Bank. So they're reimagining banking. They offer one of the nation's best savings rates and accounts with no fees or minimums that can be opened from anywhere in five minutes. That's banking reimagined Capital One. What's in your wallet capital? One NA. Dismay life Myra glass, each we're gonna pay him. Of course, choose the theme different stories on that the today show where there's a will stories of people who cannot stop themselves. I'm trying to make things happen. The way they think they should happen. In this world, we've arrived at two of our program to life is a one sided coin. So the entire premise of show today is where there's a will which supposes that we all have a will that we all have the ability to decide something and take action in the world. But it turns out that there are people who take issue with that premise one of them is one of our co workers here at the radio show, David Kessler bomb in presents. This minority report. Let me say up front I realized the ridiculous late night college dorm room nature of what I'm about to say. But here it is. I do not see how free will can exist by free will. I mean when you're staring at the menu, and you pick the salad over the burger or any other choice, you make bigger small who you marry whether you keep listening to me for another minute free. Will is the idea that you really get to pick. I'm saying, you don't I don't see how free will can exist. I'm someone embarrassed to be saying this for a while. I couldn't even talk with my wife about it. It's been on my mind because I was wondering if I should talk about it on the show today. And we'd be making the kids lunches for the next day. There'd be a gap in the conversation at open my mouth. But I just couldn't do it. I don't know why I'm thinking about this. Now, I think the last time I did was in high school, but I just moved on. It seems inescapable though years ago. I went to grad school in physics. And I think if you haven't had the experience of actually doing something like that it's easy to be like oh science. There's lots of stuff. They don't know. But the truth is we know a lot about how the world is put together, please, excuse electric quality of this. But briefly they're only four basic forces in the world, gravity electromagnetism and two others the strong force and the weak force the first hold atomic nuclei together the second crudely. Speaking powers, the sun. Our understanding of these forces has been tested and explore it again. And again in one case that sticks with name measured and confirmed to an astounding twelve decimal places these four forces explain how Adams stick together every bit of matter moves, and yes, even the bits of matter that make up us and our brains. We are just collections of atoms. I don't see how those atoms. Can truly have any will when you think you are deciding I'm going to wear this shirt today. You can't really have decided otherwise we are subject to the forces of nature, not one of them. It turns out there is this one friend of our family. Hey, stew who also does not see how free will can exist. Talking to him on the phone asking. If you knew any serious minded credential people could talk to input on the radio as it happened. He was staring at his book shelve, they had a whole collection their books by a bunch of dead philosophers thinkers, various sorts, and then one book by someone who seemed perfect Robert suppo-, sqi suppose, professor at Stanford genius grant recipient. He's a neuroscientist who also spent thirty three summer staring at babboons just last year published this big book it was on my friends shelf called behave. So I read it, and there's something curious about it. He seemed to be making the argument that there is no free will. But he never quite came out. And said the words free will don't even appear until page. Five hundred eighty the first fifteen chapters are all about research into what drives human behavior different parts of the brain hormones genetics. How we respond to sensory cues? Was he just voiding coming out and saying it like I've been? So you asked this question can there be free will? But I don't think you directly come out and say what you think. So so so what what do you think? I think I was basically trying to be polite there and sort of good house guest in actuality. I don't think there is room for the slightest. Bit of free will out there, supposedly said, this wasn't fact the entire reason he had written the book he was trying to lead people slowly on a gentle path this uncomfortable idea. I was reading it, right? Asked him. Why he doesn't believe we have free will as a neuroscientist? He thinks about it this way, take any action a movement of your eyebrow. Something you say just trace that thing back behind anything like that are just the muscles that move. So let's simplify it a muscle did something meaning a newer on in your motor cortex commanded your muscle to do that. That neuron fired only because it got inputs from Tina other neurons milliseconds before and those neurons only fired because they got inputs milliseconds before and back and back and back show me one Noorani anywhere in this pathway that from out of nowhere decided to say something that activated in ways that are not explained by the laws of the physical universe and high on and channels and all that sort of stuff show me one Noor on that has some cellular semblance of free will. And there is no such neuro. Your emotions consciousness same argument at the bottom just cells and chemicals acting like they wouldn't alab there's nothing more or less than the mechanics. I mean, if your book could actually just been two sentences to cut to the chase, you know. Not that he didn't enjoy the other chapters. What does it actually mean not to have free? Will do you think of it? As like if you rewind the clock. It would unfold the same way. Basically, it's got to mean that I should say there is some debate about whether no free will means that if you went back in time and let your life unfold again, you would make all the same decisions. Exactly the same way. The reason there's some debate is that way down at the subatomic level. There does seem to be a little wellspring of randomness quantum mechanics is all about probabilities like when a radioactive atom breaks apart. The exact moment happens seems random it's unclear how often this apparent subatomic randomness escapes into the larger world, but it could be that. If you rewound the film of life it for it again, you might get a different movie. But it wouldn't be because of free will it would just be subatomic randomness messing with the plot. A friend of mine had this experience where you kinda got to test this out his brain was artifice rolling back the clock, and he got to see it's machine lake nature. He was ice skating any fell than his head which gave him some temporary amnesia when he was on the stretcher he asked what had happened. His wife said you fell in your head and he made this joke. That's not how you wanna leave the ice. But then he kept asking what had happened making the same joke. Like, oh, I found the ice. I know good joke to make here. After he said, it was like opening up, the hard drive of his mind and seeing inside. He's fine. That by the way. For me. It is the one scientific like fact about the world that I am just not okay. With like, I'm fine with the big bang, and that all of existence came from a tiny point like that doesn't faze me anymore. But I am not okay. With the idea that I don't have free will like that seems like I can't give that up. You know, if I give up giving up everything, I know, it's really really hard. But I feel like I'm deciding to say what I say right now. I feel pretty confident about that. When I think I'm making a decision. What am I actually doing? There's just a whole bunch of neuronal Fulcher, some sort of rube Goldberg sort of stretch of things teeter this way or that. And as a result bounce something else in another direction. So while it feels like we could choose this. Or maybe that the truth is some set of events mechanically led to our final decision. We just aren't aware of it. Suppose key brought up this famous experiment. Sit somebody down at a room and ask them to name their favorite detergent, and who knows what they're gonna come up with do the same thing. And there's a picture of the ocean and the room on the wall, and they're now significantly more likely to say tied tides, my favorite detergent and ask them why. And they will give you some fa- Kochta rational explanation about what tied does to. They're like strawberry stains on their shirts suppose. He says when we think we are making a decision, it is basically just some more complicated version of that you were looking at the menu the room was slightly warm. Your shoes were wet from the rain late above the table was just so and so you pick the salad the mom who yells at the army general couldn't have done it any other way, Newt Gingrich when he got to congress same thing. Speaking of which did we all just go and vote choose representatives. If you believe what I'm saying, no one, really. Have decided to choose differently. And look I'm not saying don't vote you should vote. Do good things be kind give to charity. I'm just saying. It's weird. We are machines that don't know it, but don't wanna deal with it. For suppose game this idea that we don't have free will truly profound and should change the way we think about lots of things for instance, all those decisions you've made because you're a good person. All the things you're proud of don't be so proud anyone else starting with your Adams in the same place would have done the same thing. When people do bad things, he says, you shouldn't hate them. Probably also says we should try to rethink the entire Justice system. Which of course, is a weird thing to say since there is no trying. I mean, it's just such a crazy making idea, you know. Yup. Are you okay with it not on the slightest? If I stop and think about it. I get slightly panicked. There's no way to get out of like an extension morass. If you start really thinking about this stuff. How often do you find yourself thinking about it? Oh, I don't know. Maybe. Four or five times an hour. And this is all I think about these days. It's amazing to me that scientists don't talk about this more. I think I went my entire graduate career testing the fundamental laws of nature without ever coming up. Hi, how are you? How's the exam midterm? This is Melissa Franklin professor of physics at Harvard and for years, she was my professor I talked to her for the show when I was grappling with the possibility that we might be alone in the universe. So she seemed like a logical choice for this question. Like, this is how you think about it too. Right. That we can't possibly have free will. I think that there's no evidence that we have free will. I mean, I guess it's possible it seems it seems unlikely I mean, there's. You know, it seems like we have free will. That's the thing. Right. Yeah. So is asking one of my colleagues today. Do you believe in free will and he says, absolutely? And I said, do you think our brains are made up of neurons and Exxon's and things he said, yes. They said, so how does how do you reconcile those two things. He said if it walks like free will and quacks like free fi will. Like our word is wrong. No, the point is that operationally we appear to have free will. But it's wrong. Yeah. It is wrong. But it seems like we do. So by not just go with the flow that idea. Choose at lunch when this conversation happened and immediately another colleague jumped in to argue the other side, and the other was just saying, you know. Your. Without saying it it the word. It is. You're not it's one of these things when you start to talk about things that you don't want to think about that you sort of hope that magic comes in some way. So one of them was saying, well, the could be some complex thing that comes in that, you know, actually gives us free will and the other person was saying you're talking about magic or God. And just just say that loud magic. Melissa is actually okay with the idea of not having free. Well, maybe the problem of Justice sheen is not a nice, not a nice way of thinking that. I mean, a human is not Justice sheen. I mean, a human is an amazing. Yeah. I love I I love the machine that is my wife and my two little machines adorable. But when I think about it. That's what they are. They're so cute though. I go back and forth on what to do with this information. Sometimes I feel like Robert supposedly does that. This is something deeply profound. We are machines that are smart enough to figure that out to realize we probably can't have free will. And so we should think about what that means for how we organize our society. How we treat other people. But there's another part of me, the feels like maybe it changes nothing at all. Which is weird to know that we are all living with this allusion of free will. But somehow doesn't matter. I've come to think of my daily existence is kind of like being in a movie where I'm just along for the ride I making choices all day long. But machine that is me couldn't really have chosen anything else. It gives me a weird lightness when I think about it that way. And if I'm being honest, it also feels kind of cool knowing this thing that no one wants to face up to watching us all run around is. It's not true. When you pick a song to listen to when you decide to try a second date when you go left instead of right when I say something stupid instead of just sitting and thinking for a moment when I pick what picture to draw my son's lunch bag. Aren't really choices? But I'm good at living with contradictions. It's in the machinery. David kestler. Bam. Stay. If you will. What show is produced today by David Kestler, people put our show together and could Zoe TAY Sean co Jared Floyd they may grave Michelle Harris Jeffey wad, set lane, Dan, Martin Mckee Niks, Nelson, Catherine may Mondo and semi Elissa ship. Christopher Ceuta and Diane. Woo. Senior producers Brian read them, Susan Britton special. Thanks today to rob long do Greenberg Sean Carroll, Jimmy Rica's, Charlie shop, Stephen Talbot. And thanks to the frontline documentary. The long March of Newt Gingrich our website this American life dot org. We listened to our archive of over six hundred for absolutely free as American life is public radio stations by PR X, the public radio exchange for for this American life comes from Lago. Nita's Barron company. Burs a finals, and they say mystery and romance. And of course, committed to the pub- in public radio. Find out more want you at Luggy nita's dot com. And from the new one, Mike bigly is one man show on Broadway. That I worked on with him is about not wanting to be a parent, and then stuff happens jam-packed with jokes and also people cry this American life listeners can get a special discount on tickets at the new one dot com slash American life. Co-founder mystery amount of Tia, Tori, we've got thirty seconds left in the program. What should we do? Just shut up shut up shut up now. Don't talk about anymore. Shut up. I'm IRA glass back next week with more stories this American life.

Professor Gingrich Newt Gingrich president congress Gingrich tip O'Neill America Rush limbaugh United States Chicago Quicken Loans Republican party Israel Capital One army Bill Clinton congressman
Where Should I Invest My Savings? (Hour 3)

The Dave Ramsey Show

40:41 min | 9 months ago

Where Should I Invest My Savings? (Hour 3)

"Live from the headquarters of Ramsey solutions broadcasting from the dollar car rental studio. This is the Dave Ramsey show where America hangs out to have a conversation about your life. Your money. I'm John Baloney here with my good friend Co host. Anthony O'Neill. bestselling author Youtube Sensation. All around good man genius. We're taking your calls about your life, your relationships, your money. Your college decisions all of it absolutely, and I WANNA. Give a shout out to our Youtube family man, you know every single. Opportunity that I get a chance to log on and do the show I always log on and check out our youtube world. So I WANNA say thank you to Shero she's riding me right now on Youtube Steve and Katie Thank you so much for rocking with this. If you ever just sitting at your office or sitting at home, he just WANNA listen to us. You'll log youtubecom force lasts the Dave Ramsey show and check us out. Because we're always owner I, know me and John. And other personalities just pray for him. Give us a call at triple eight, eight to five, five, two, two, five. Eight eight, two, five, five, two, two, five. Let's go to amy in Fort Worth Texas Amy, how you? Doin'. Hi Guys. How are y'all outstanding how can we help? Okay. So I've been doing the Ramsey baby stuff on baby step two but and I've been talking to my family about this and so all that in my mom came. And said, what do I do? For my future heard my dad or immigrants. And thankfully, they've been blessed my dad's been blessed to really good job. You need. He can make from eighty cave on a really bad year fifty. This. Her hand in it yet. And Yes and They had their houses completely paid for the I'm guessing well, the are on baby step seven. I'm not exactly sure how much they had to savings them I'm gonNA. Say About Ten K. that's about it the I think they've probably assets as they sold everything today, it'd be about fifty, five, hundred K.. they have no 401k no investments no nothing. No. Have? No, you know they don't know any of that and so she said you can see vendor and the Dave Ramsey thing she's like, can you help me and I'm like sure but I need very the information or you guys and then he W I just don't know what to virtually start because me and my husband are currently on baby step two. Cool may great question and I love your heart for your parents and I love your heart for making sure that you say try on track to do what you're. You're doing in your parents taking a financial peace university. No, we haven't I honestly just started in February and I started with listening to Youtube Channel. Okay. Cool. Great. So this what we're GONNA do because there's a lot. This is a journey. This is a process when it comes to you getting out of debt and for your parents, how to start investing and so when we get off the call once you sound like we're going to bless you at Ramsey plus for free we're GONNA give Do this Done, this before we don't give you you and your husband wanted to give you one for your mom and for her dead I, mean for her husband so that they can take the together y'all together as a family. because. It's important. They don't have any debt, but at the same time, they need to learn how to properly invest and so right now but they need to do is since they don't have now does he is he working and does his job has a 401k? That's a question to ask them to He needs to go ahead and contact one of our smartvestor pros. You'll learn more about. This financial peace university that way they can help them start investing because if he's making anywhere between eighty to fifty, this means that he has some type of commission or some type of thing going from there and I went William. Take. Advantage of you not 401k's that match if they have it in some compound interest but you said something he said they may have around ten thousand dollars. I kind of went up that a little bit with their lives season when it comes to savings before they released start investing I'm thinking maybe about twenty thousand, they should have in their savings account maybe even twenty, five, thirty depending on what that is but I want them to have a full six months out I want them to do be okay with three months I either have at least a full six months. And then jump into the smartvestor pro but. The. Main thing right now is I just want to bless you your your family and then your parents of with a free one year trial, Lavar? Ramsey plus and cal sound like Kelly We'll get that for you and amy depending on their immigration status right certain things are GONNA be eligible. They're going to be eligible for certain things and not eligible for certain things right? But yeah, exactly their. Just were immigrants in never they got here fifteen and now there's residents and all. This is purely an education, right? Right. Oh, that's fantastic. Okay. Hopefully and it just one of their issues with. The they were smart enough to by the way in with my when they were younger and so they own the million and they just don't know. What and also will or a trust I don't know they're like, should we will address because? Everyone's living. Here everyone will answer to your question. Yes. Okay. Okay. And that will be in place like tomorrow Yep. Because, we don't know what's going on nothing says like a fun Saturday morning like everybody get together and let's make a will right But good for you. Good for your family. A Joke Anthony didn't even thought that was funny Saturday morning we'll joke no I didn't find that funny about that man. See Kelly thought it was. All right. All right. Let's go. Let's see. We get one more. Yeah. Let's go to You know what? Anthony what instead of going to one more call. Before we go the break here, ause say happen tall is going to go to another calls particular take another call. You had a segment on a show the other day I. Think it was just you talking He you're talking about belief. Yeah. You're talking about the importance of believing in yourself. Yeah, and for those of you don't know at Ramsey solutions these are these voices just get piped into the building and wherever you find yourself sometimes, they'll just hear anthony talking here, Chris Hogan here Dave. and. Actually Texted Anthony on the back end of this deal and just said I don't know when he recorded this I. Don't know what was in your heart mind but it spoke to me just sitting here doing some writing on my own here at the Billie. Yeah. You're talking about believing in yourself. The importance of not giving up on yourself. I think is important. Give this give this audience of Primer. When I was at the lowest moment in my life I didn't believe in me. I believe in others and I believe that I needed to impress them to be successful. And to this day I'll be honest I. think sometimes I because I don't come from wealth because I don't come from A. Rich background and to be honest because I don't come from a proper English speaking background America's we listened to me and follow million in my shows. Grammar's not one hundred percent Polish and so often called out about that I'm often called down. Reminded that. But had to quickly teach myself remind myself that. I'm fearfully and wonderfully made and I'm here for a purpose and that no matter what if I don't believe in myself, always going to be struggling in certain areas. So before they can believe in me for you can believe in me I got to believe in myself while I believe it myself I'm getting better while I'm getting better I'm believing a myself no one else to believe in Anthony O'Neill more than anthony believes in help flaws and. So, that's what sparked well. Full Hamalainen thanks. This is the Dave Ramsey show. Hey folks is Ken Coleman. I love my burst sonic toothbrush studies show that smiling improves your physical and emotional health and makes you more likable. The soft charcoal bristles powerfully remove plaque and we'll make your teeth whiter your smile brighter and your impressions better and bursts smart and affordable replacement. Head subscription is just six dollars every ninety days visit burst oral care dot com, and use the code Ken to grab a burst brush I lo- is forty, nine, ninety, nine. That's burst oral CARE DOT COM. This is the Dave Ramsey show I'm John Bologna with my good friend Anthony O'Neill we are taking your calls at triple eight eight to five five, two, two, five that's triple eight, eight to five. Five, two, two, five. Let's go to end in Phoenix Arizona Ian. How are we doing this afternoon? You pretty good. Outstanding how can help? All, right. So I'm a part-time college student and I work full time and I've started getting money together which I oven benefited about two thirds of it comes from stealing cash for emergency brought up. I was just wondering what should I say that? To do obviously when when I find my first house, I'll down the sizable down payment and what Shirley beaten, which I really be shaving towards. Do you think? Yes. So are you paying cash for the for the remaining part of your college in? Saddam that'll be personally my parents and if I need more, I can pick ax but no most covered by. Okay you you will be able to graduate college what one hundred percent debt free with some money in your savings. Absolutely yeah. And you're asking yourself, what should you do with that savings or what should you be doing right now with the money that you have. I like what you're doing right now man I like I like the fact that you're saving it I go ahead and get up to like a fully funded your any Arizona area. and. So what I would say is look at the what is the average rent going around the area in Phoenix? And or you graduate if you know where you're GonNa go I will look at what does that average three to six months light for rent for expenses for the lifestyle that you want to put that into a savings account, go ahead and get ahead of the game and a man just start investing into a growth stock mutual fund as covered by in a Roth IRA because you're nineteen. So let's is due to Matt if he just put a hundred dollars in there as of right now for the next forty years, you'd be what how, how would he be in twenty nine, fifty, nine, fifty, nine, years old you have the minimum of one point two. Million dollars, but this is off the hundred dollars. So if you just start putting away, say five percent of your income into a Roth Ira just right now until you get actual stable job in your invest in the full fifteen percent man, you're going to set yourself up to retire with three to five million dollars just from the Roth IRA perspective not from your 401k when you get into that not from Your House that you're GonNa gain from equity of your house, and so right now you're in a position to wherever you can make the right investment moves. Here's the number one investment. You can make check this out in it ain't it ain't it ain't. Is your head. Make sure. Did you graduate one hundred percent debt free get the education that's number one. Number two going ahead and open up a Roth IRA get on the phone with one of our smartvestor pros and tell them hey, i. Wanna go ahead and starting vesting. Here's what I can do right now comfortably. In school have a fully funded Emergency Fund K., and then once you get a job, you're gonNA up your whatever you have right now to fifteen percent of whatever your income is and I mean, honestly, by the time you turned forty, you're going to be a millionaire. You going to have a house you're going to be everyday million de the slogan. Our good friend Chris Hogan has named and I'm telling you right now bro. Man Nineteen I was thinking like you at nineteen at nineteen sleeping in the back of my car. Wash, you know what I'm saying I was watching myself at the club Ymca. I. Was asking people for some money so I can eat I was that guy You could be the guy that everybody wants to be. You could be the young smart wise guy that is building wealth that is changing the future and I'm GonNa tell you right now you're single right now I can hear your voice, you ain't GonNa be single much. Single most. Bre. But thanks for calling man. I cook. Yeah. So I have the ability to fully fund my Roth IRA for the year I can I can maxed out Max my contribution for that is that smart to do that right now? It's thirty five thousand dollars in investments investments in cash. Okay. So would it be smart to invest that Max out my IRA because then I can't hope that here. Here's the answer. Yes House. Yes. If you have I want you to get ahead of the game by having a fully funded emergency fund. Okay. So if you can have a fully funded emergency fund and you can't guarantee guarantee that you can finish college one, hundred percent debt free Max out the Max out the Roth IRA right now. Okay. So do so maximum yearly. When I get my when I get the salary based job with with a larger I cannot start saving money essentially said the the Donald House or something absolutely i. I would do that because now there's no recipe again to a homey you know what? I'm saying I WANNA take advantage of of the compound interest time that's on your side once you get a good solid job, you know where you're going to be situated at yeah. Take two three years and just live below you means and save it for a nice down payment to get into a good home you being a home before you turn twenty, four, twenty, five years. Oh, now we live in your good. I like this guy I'll tell you what I don't know these nineteen year olds I was not that nineteen year old man I. Don't know that nineteen neither I wasn't thinking like that. You know seeing here just trying to impress my friends China find me a lady I wasn't trying to think about no money. I didn't even have enough brain powered impressively by nineteen. I was trying to get myself to class. Good for you and you just made. Renewed, my faith and tomorrow. Let's Aaron and Roanoke Virginia. Aaron. How are we doing? I'm struggling if I'm being honest well, how can we help? Well I'm wanting you perspective on my situation. I am concerned that I may be up to the point where bankruptcy is about my only option. I've read multiple of Dave's books on coordinating nephew class I have. Learned his stuff inside L. upside down and backwards. but my situation is basically this I'm staring down about sixty thousand dollars worth of debt. And on making bow. Thirty a year roughly. WHY ARE YOU MAKING THIRTY YEAR I'm an associate pastor. And my church is not able to pay me very well. I just recently got my emt and started working for a rescue squad. but that also doesn't pay. there's substantial either and the other battle that I have is. much requires certain time commitment. So I can add on extra work but only up to a certain extent. so I'm a I'm be respectful here. Because I want to be respectful to the call because I am an ordained pastor as well. Still a preacher to this day. but God also wants us to be wise. He also wants us to be good stewards and he also says our number one ministry is our home. Bankruptcy is not your only option. I think that's the easy way out for you. I think the heart option is do I. Stop pastoring right now to take care of my first ministry, which is my home. And that's a question that you got to ask yourself. If you're church saying, we're only going to pay you thirty thousand dollars a year, and you have to be here for all the Times. You can't get an extra part time job to have a life then I'm questioning. That position because I've pastored for a few churches and they've never been that strict. And so I would sit back and pray you know I. Don't want to tell you how to live your life spiritually but I was sit back and ask God for clarity and for wisdom. Oh, and how to approach this because no disrespect six thousand dollars is a lot of debt but we get calls on here but people in one hundred, thousand, two, hundred, thousand dollars in debt making fifty thousand dollars a year, and they aggressively go after it and pay it off and bankruptcy was never in option and so I think for you the the greater question is, what can you do? To, generate more income and I'm trying to be sensitive with your past or you're calling because I, know how sensitive debt can be. But if I was in your shoes, I'm having a conversation with my senior pastor. Explaining to him the situation and said, I, get it. I. Don't WanNa put more pressure on a church. But I need a little bit of freedom to Guajira, make at least another twenty five to thirty thousand dollars. So I can get my first ministry Ma home in order because I if the home is not an order, I can't come here to the church served the church. That's hypocritical. So that's a question you gotta Ask Yourself Man and I'm fully with you bank no bankruptcy you're GONNA have to get another job. And that was hard air but thanks for the call brother. This is the Dave Ramsey show. Do, you have student loans. I need you to tune in right now and listen I've been telling you to refinance your loans was splashed financial. Here's what I. Don't understand many of you who have been pre qualified to refinance your student loans to better rates have not finished your dad gum applications. So this is simple finish it you could save thousands and you pay nothing to refinance go back to splash financial dot com slash Ramsey that's how they'll know you're one of my listeners splash financial dot com slash Ramsey This is the Dave Ramsey show. I'm John Bologna with my good afternoon Neil we are taking your calls about your life your money triple eight, eight, five, five, two, two, five that's triple eight eight to five fifty to twenty five. Let's go to Monica in San Diego California Monica. How are we doing? How about you guys doing? Well, how can we help? I'm calling because we're living in San. Diego home prices are pretty crazy crazy time and I'm just really wondering We are desperately and I'm just wondering if generally to buy health now I can do three and a half percent down but if he Or value taking the time and saving the twenty percent down. Absolutely thought, there's a lot of value in doing that and we we will here's here's a three sub stuff. All right. Let me just makes you. So you're saying all of our listeners we will always say pay cash if you can. Maybe you can save up cash pay cash. If he can number two we want you to aim for twenty percent which goes. Into number three with no less than ten percent. Okay. And so in San Diego California home for me a lived right out. I. Lived in Santio County in oceanside California on exactly where you are and so I recommend how long well, let me ask you this question a Monica it take you to save up at least ten to twenty percent they are in California. Yeah. So Can percent probably by the next six months? Twenty percent? Twelve my. So I mean. So a difference of twelve months twenty percent because it helps you avoid the PM I and then how much house is that in California. So that would be up to seven hundred K. and a home aged seventy, five to seven. Yeah. That's a beautiful house you know and and that San Diego area brighter about six, hundred, six, fifty, you definitely get into a beautiful situation. So if I was sitting outside another year, honestly I would sit another year if you were talking about a year year and a half two years to come up with to ten percent that will be okay doing ten percent but you say in a year to get twenty percent absolutely. Down for a whole year this way you can avoid pm I. You're not going to pay private mortgage insurance and be wasting just throwing away money you get into a fifteen year fixed rate loan had that paid off in fifteen year. So that's why I recommend. Monica. Okay can I ask one quick follow up Tra I. I didn't that I was thinking is sticking to make sense to put a pause pretty aggressive for when k he both me and my husband contribute fifteen percent. To make sense to put that on hold to see the twenty percent quicker just in case you know the market's going up doesn't make sense to kind of accelerate that I feel like getting a lot of pressure to do it now and more defined he too conservative or making Centaur odor you and your husband. Where thirty three Oh. Yeah. I mean you talk about pausing because if you putting fifteen percent and right now you paused investing into your 401k. As right now to get a twenty percent, you say now my even help you get to twenty percent within the next six months. Gripe. Exactly yeah. So that's fine. I don't have a problem with you're doing that at all we call that baby step three. To where you go ahead and start saving here, ten to twenty percent down before you investing. So if you do WANNA post, that's fine. If you were odor I would say I would recommend that you try to do both at the same time these contribute something in there i. I would definitely wear commend that you know. But if you WANNA pause and get to your down payment quicker that's totally fine and honesty at your age I would probably I'll probably do that. All Right Monica. Much I appreciate the advice. Hey, Monica before you hang up. May Make a firm conviction that you're not going to let other people speak into the way you spend money unless it's people of wisdom who have a good track record who know what they're talking about us. Good Bro. Came I'm totally with you. It's actually I wanted to know that I wasn't crazy and my husband had been better fast and I was you know we something so it was just they'd have that if you do it right you're gonNA stick out like a sore thumb around your friends, your family, your community and knowing that we've got your back here there are millions of people who have chosen to be. Weird and they financially reaping the results of that but more important the finances, their living peaceful lives relationships are better. They're able to sleep at night and not worry about money problem after money problem after money problems, you're gonNA be Weird your friends, your family everybody's GonNa have an opinion you and your husband rally around each other make a plan and stick to it. Very cool. All right. Let's go to. Let's go to AJ IN PHOENIX AJ. How are we doing? I'm are you outstanding? How can we help? Yes Oh, my wife and I. We have about thirty, one, thousand and debt, and we're we're getting ready to move in with her parents. You know to kind of tackle that debt that they've They've put on a one year timeframe show I. Guess our question is we'd like to save for a house as well. Should we tackle both of those at the same time or just go that I know and then know Aj now? How old are you man? twenty seven. How did you wife? Twenty six how much y'all make a year. About Ninety combined ninety combined and you leaving unfair Phoenix Arizona you have thirty one thousand dollars in debt. Correct. Correct. Well, we won't be looking in the Phoenix area the where we're going to be looking going to be cheaper. Oh, a lot cheaper. Okay. Yeah, and here you beautiful wife is in the background, right? Yes. I'm GonNa say something that you all would not like put the phone near her. Okay. Don't go home. Don't go. I've already have peace of mind and figure out making ninety thousand in combined income and to change that just for one year I get it. You all will go there but I question the fat. If you have stress I crush fat if your parents to be all in y'all's business. And and for me, I WANNA peace of mind with my wife and so our rather stay out rather being debt for another six months then have to did with my parents for a whole year and so I'm saying get on a strategic budget move maybe somewhere cheaper Saddam. Start saving money but if you get on strategic but it budget live below your means. Making ninety thousand dollars you got you can't be added debt within the next twelve to eighteen months and to me I'll take that journey read. It ain't going home and having to explain everything to my mom and. An innate probably have the right mindset. You know they probably genuinely want to help you allow but the last thing you WanNa do be twenty seven, twenty nine years old and now explaining yourself to your parents and then I can call drama that can cause issues. So what I am saying is, yes, should you move? Should you lower life sows you more a attack your debt more aggressively absolutely but I do believe going home at your age with this kind of income. It could bring on more stress to the marriage. Could be wrong I mean do you think? Hey, AJ. I one hundred percent behind Anthony, and here's why your in laws they did. Right they told you they. They did what we tell them. They set boundaries and you know the person's got a problem with the boundaries. Is You AJ I could hear your voice. You're like they've already said we only get a year. So how should we say for this? Listen you and your wife we're gonNA find the cheapest safest one bedroom apartment and it only square. It only has a half bath. You're not debate outside with the host hau-man I'm just kidding new that weird but listen. y'All make a lot of money. You gotTA lifestyle problem. Yeah. You've got a well I don't know man. You've got that problem kind of a wine e problem Aj. Oh, a junior wife to get super aggressive get super focused tell your laws. You know what? We're going to give you the greatest Christmas. Present ever we're not moving in. We're GONNA get into cheap one bedroom apartment. And we're going to scrap and claw and get this knocked out in eight months or nine months, and then move where you're gonNA move and you're gonNA find out about yourself about your marriage. You're gonNA find out what you're capable of you're going to stop whining yeah and then you gotta go get it James. Would you go home with your Mama at your age right now? Now. To, say you know I mean I. Just I couldn't do it. I'm I'm single. Sleeping in, I'll sleep in a hotel aj you didn't think you were getting on this call not call get with your wife, make a budget via aggressive be wild and crazy fix your marriage quit wine and go sell your problems. This is the Dave Ramsey show. Her saw. Turns. Today script days, Hebrews Ten, twenty, four through twenty five. And let us consider how to stir up one another to love and good works not the glecting to meet together as is the habit of some but encouraging one another and all the more as you see the day drawing near. Steve Jobs says management is about persuading people to do things. They do not WanNa do while leadership is about inspiring people to do the things they thought they never thought they could. Steve Jobs. About persuading people to do things, they don't WanNa do versus inspiring people to do things. They never thought they could anthony who's a leader in your life who inspired you to do something that you never thought you could. Ska Question, I think about it man because it does. Not really too much I never thought I couldn't do. You? No. But I would definitely say honestly and people are saying of course it will that. But I mean honestly, Dave. because coming from where I come from. I never saw the things that I've been blessed improving per privileged enough to see being here in Connecticut today and so seeing him do it. All right. If God worked through Dave, he can work through mail cave Dave became a multimillionaire from bankrupt. I can become a multimillionaire from being homeless and so you know I I would definitely say Dave you know for right now. So for everybody listening these are anxious times we know that. We've got pandemics and fires and hurricanes, elections and all the things. One of the cornerstones of getting through anxiety is gratitude desk. Good. So I want everybody to listen to this podcast listening on the radio listener while you're driving down the road listening while you're mowing the lawn, I want you to think of somebody in your life who encouraged you to do something to be something to see a picture of yourself that you never imagined and I want you to call them wanted email 'em him a handwritten letter and his let them know. Leadership is about inspiring people to do things they never thought they could every single one of US Anthony Myself. Everyone listening has had people are life who invested us in ways that we never could have imagined for ourselves which had reach out to be grateful for him. All right. Let's go to Alicia in Colorado Springs Colorado. Alicia. How Doing Good, how are you guys? Outstanding how can we help? I am so happy to be talking to you. 'cause I really WANNA be intentional I am thirty four and my husband is thirty five and when I turn thirty five next year I will be getting a settlement that I know I've been Leading to get for many many years now, and it's about eighty, five, thousand dollars or so and fro-. just just a thing that happened many many years ago when I was younger, my mom put it put it away for us and let it grow and didn't let us touch it until we turn thirty five and so with that right around the corner, then I just want to be intentional with we do all my home and we're about to be debt free we only. Owe about five thousand dollars left on our baby step two. So knowing that that that will happen by December. So from January Til August, I'm hoping to be debt free and then I turn thirty five in August and I just check is going to come in the mail or the settlement will come in the mail and I'm wondering do I put it all towards the House Or do I do something else with it? Mostly, own a house. So, we all one, hundred and forty, five thousand. All right and what's your annual income right now roughly about seventy. Is that combining income seventy K.? Yes. Okay. All right sounds good. So here's what I'm going to recommend We had a call like this me Dave couple of days ago and what I went to advise you to do is jump on the phone with a smartvestor pro. because there's a lot of different routes that you can go and we don't have enough time to really break down all of your numbers on this show and also as well wants you to be wise and be intentional with this income that you're blessed to to walk into I. Definitely. Do believe that you should be if when you get to eighty five thousand, you need to immediately fund your three to six months of Emergencies K. immediately fund the rest of that. Then from there. You all are going to go ahead and start investing into your 401k start investing into Roth IRA, and then you're going to jump on the phone with a smartvestor pro, which is a financial adviser and head and Max out to Roth, IRA's which invests into growth stock mutual fund but there could be some other things that you can do maybe opened up SNP. Maybe an index fund I don't know I don't know what all the options are available for you and Colorado Springs and with you all situation. So I would definitely say as soon as you get the money. I'm not what I would do. So I'm not going to tell you this is what I would do if it was me your shoes I'm tithing. giving. Ten percent to my local church I am a funding, my fully funded Emergency Fund I'm going to jump on the phone with a smartvestor pro and tell them hey, I, want to open up a Roth IRA. Can you tell me what's the best way to do that and how to invest I have fifty thousand I. have this amount of money left and then also Lisa maybe set aside. Some something you can enjoy yourself if you've been saving for a new car if maybe if you and your family, go to Nice vacation man set aside ten thousand dollars to to do something enjoyable with it because, hey, you're about to be debt free. You've been working the plan. So that's what I would do from the very beginning. Yeah and I think the plan has always been to pay off my house early and I would feel guilty using it for any other purpose But I I don't know I just wanted to get your opinion on it because it has a big responsibility and at least you can I. Can. I pitch in here? When you get whenever I hear the word settlement there's two things that come to mind. One is financial. One is you're holding the check. In usually not always but usually a settlement comes out of some sort of pain. And if it's something that happened in your childhood, if it's something that comes out of a separation something out of some sort of loss, and so I want you to be prepared whether it's with your husband whether it's with somebody that you love and care about. Check comes in the mail and you open it you may experience things you haven't felt in years and years and years. And be ready for that, and that's not a weird thing. Does that mean you're broken? That doesn't mean something's wrong but be prepared for that and sometimes folks have plans for this settlement money whatever that may be my granddad passed away and they go to the funeral and they grieve it and then they get this check and then all the sudden it's beautiful but what their plans were going to be with something about it all changes, right? It's about making meaning and what did this money mean to my Granddad in me? Sometimes, it comes out of divorce settlement or an abuse settlement or whatever they may be. So be ready for some sort of emotional response to this money to. So when I'm telling you be graceful with yourself. Right have a good plan have people with you but be graceful yourself to Alicia why do I appreciate that at us as real good I. appreciate that to John He helped me out to Why do you say that you feel guilty not paying off the house? Because it. Go ahead I'm sorry. Because because it does come from up painful. event. Okay All right and then which I agree that's. Not, event happen, but it wouldn't make. That person proud. If he paid off to house. Yeah, Okay Okay and. The if you if you strongly feel that way. then I. Say you need to do that feeling I say. still. fund you're fully funded Emergency Fund because I think. To catch up on stuff to throw that to my teachers dowse. Yourself and then that individual will be pleased with the decision that you may because now you've you've been Stewart, you've prepared yourself. So early does happen it just turns into an inconvenience. And then from there. You still need to fund your future because you you're talking remember we're talking about your future you WanNa, make the individual proud, and so the individual will be proud knowing that those funds went to your present building a solid, and then it helped to out your future. and. Then once you take care of those two things they yeah. By all means, go pay the rest of this house go pay as much of it down as you possibly can but I don't want you to feel to to to to convicted if he can't put all of it towards a house and at least one last thing right the thank you letter. K. riding a thank you letter and read it out loud to somebody that you love. It will be a excellent passing of that torch. Thank you so much to everybody was think James Childs I, don't think Kelly Daniel the two world-class producers. Bob. Bobby Robson my good friend Anthony O'Neill. This has been the Dave Ramsey show. Hey, it's Kelly associate producer and phone screener for the Dave Ramsey show. This episode is over but if you've heard about an event product or service, didn't have a chance to write it down, don't worry. We list everything you've heard about during this episode in the podcast show notes or had to Daveramsey DOT com. Thanks for listening. Feel like you're in a Rut and living live just going through the motions, build confidence in yourself and learn to trust the God who created you check out the Christy Wright show where Christie inspires you to breakthrough your limitations and create the you're proud to live. Hey, all I'm Christie Right. It's so easy to feel stuck. You live life just going through the motions doing dishes, doing laundry, Carpool lines, and a whole list of commitments that bring you know joy why do we live like that? That's why I want you to check out the Christy Wright show. Each episode will help you build confidence in yourself and the God that created you. Hear more from the Ramsey network including look Christy Wright show wherever you listen to podcasts. Hey, it's james producer of the Dave Ramsey show. This episode is over the check. The episode notes for links to products and services you've heard about during this episode. Thanks for listening.

Dave Ramsey Anthony Emergency Fund Ramsey solutions Monica Phoenix Anthony O'Neill Youtube Steve Jobs San Diego America Kelly Daniel California Max Chris Hogan James Childs Saddam Anthony O'Neill. Fort Worth
#79: Smart Parenting: Raising Teenagers (with guest Anthony Oneal)

Parenting Great Kids with Dr. Meg Meeker

49:01 min | 2 years ago

#79: Smart Parenting: Raising Teenagers (with guest Anthony Oneal)

"Thirty plus years. I've seen every type of child grow up instead of giving me what I wanted. She gave me what I needed which was truth down lackey emotions win led truth when you're very bad. Then you have a lot of fun while you do the better you get at something. The more fun. You're gonna have at something you moms and dads are wired with everything you need to be a parent to a great kid. Welcome to parenting. Great kids. This is episode number seventy nine hard to believe we've done that many. I'm your host, Dr make meeker and today. My guest is a very good friend, Anthony O'Neill Anthony's, a speaker and author since two thousand three Anthony O'Neill youth ministries has helped thousands of students succeed with money in their work and personal lives. Now, Anthony has joined Ramsey solutions to spread this encouraging message to students nationwide before joining Ramsey solutions. Anthony was the pastor of one way youth ministries at the Bethel Baptist church in Jacksonville, Florida. His youth conferences, concerts and events have drawn enormous crowds. And he's worked with some of the biggest names in the industry, including Kirk Franklin and Bishop TD Jakes 's firehouse youth ministry. He's also co author of the book the graduate survival guide. Five mistakes. You can't afford to make in college as always share my points to ponder. So you can start using them right away. And remember parents don't just download the episodes. Click subscribe. Because when you do that you are joining my parenting revolution. And every new episode will show up in your subscribe list. I promise you won't regret it. And remember at love for you to write a review on items. And let us know what you think about the podcasts. Also, not only are we on I tunes, but the parenting great kids podcast is in the Google play store and on Stitcher. So no matter where you get your podcasts of scribe two day sold that you won't miss a single episode friends. I know if you're like, I am when I was raising my kids and now with my grandkids. I get sick and tired of hearing them argue my kids. Would often not listen to me and sometimes life at home would feel like it was a little out of control if you are experiencing this too. I totally get it, and I can help you. I wrote my course discipline with courage, and kindness, and it's on my website. And I wrote it specifically. So that you can enjoy your kids. More yet them to listen to you and tone, the chaos in your house down a couple of notches. Check it out. Meg meeker MD dot com for meeker parenting dot com. So parents, thanks for listening. This is episode number seventy nine stay with us. I want you to listen in on a conversation. I had with my great friend, Anthony O'Neill. I know you're really going to enjoy it. Well, Anthony, thanks so much for coming on my podcast. I've been looking forward to this for several weeks. I'm exciting. Thanks for having me on you bet. You and I are going on the road pretty soon, we're going to Sacramento, and we're going to Minneapolis. And so I want anybody in my audience who's near to those places to come and join us because we are gonna have some fun. So anyway, Anthony you travel the country and you're talk to teens and young adults. So you really have your finger on the pulse of what they're going through. What did they tell you are the greatest challenges they face, you know, that's a good question. And you know, there's like there's a lot of challenges that these young people are facing. But some of the top ones are number one is they're not really feeling connected to their parents. You know, they're filling as if you know, they're they're in completely two different worlds. In some cases of I can understand that. But at the same time, they wanna be connected to their parents. And they're so not feeling connected to the parents. Then also like, hey, how do I blend into the world? You know? I'm not really blamed again. My friends are cool. And I'm not cool or this is happening. And I'm not a part of his how do I blamed in? And then they're not really finding their self identity. And this is one thing that I'm really seeing a lot when it comes to young people whether this is in middle school high school and even college ages his they don't really understand it in. They're not really comfortable with who they are. And what they bring into today's society. Do you think their parents are aware that this is going on in their lives? No, I do not. And here's why I will say that some parents are aware because they have good relationships. But what I said the majority somebody's depress us that young people are dealing with the parents are not aware because they're not connected to their young people to their to their kids. And so which is why I'm so excited about our event that we're going to be going on because we're going to help them. Learn how to get better connected to be aware of these things that they're young people are facing. So really we've got two things going on. We've got the kids frustrated facing these things, and they feel disconnected from their parents. And yet a lot of the parents, I see say my kids don't want to do with me. They can't stand me they roll their eyes. They yell, and I think parents feel frustrated because they're not connected to their kids either. So what are the ways that you tell parents to better connect with their kids and kids to better connec? Necked with their parents because I think they both want to they just don't know. How absolutely I think the very first thing that I'll even say to the parent because they are they're the parents. So they are the head of the house, and they're leading this is one simple to the plate in one you step up to the place step up and really tried to understand where they are currently in their life. You know, because you know, they've never been fifteen before you have they've never been ten before you have. And so sometimes pairs and comfortable perspective of all this is going to be your get over this in the next two days and the next two years, but really kids want to be understood they want their parents to know like, hey, this is how filling this is what I'm going through. And so if the parents can learn to step back and kind of remind themselves. Okay. One machos never been ten years old child's number fifteen. They've never been through this. Let me just relate. Let me understand. And then two with the kids. It's like, hey, be honest with your parents, mom dead. This is where a man this is what I'm facing. This is what I'm going through. What is your guidance? Do you even understand me right now? So I think when both of them can just really beat be patient with each other and be honest with each other and impairments step back in really tried to not really come down and since maturity, but come down to their level to kind of relate, then give them guidance and wisdom from there. I think one of the biggest frustrations parents have is that they talk to their kids like their kids can think like they can and can't. And I think that you know, when they see the kids, particularly if you have a sixteen year old boy who really looks like a man, and he shaving and his voices deep and parents he's a good kid. I can trust him. So they sort of let him go. But that's really not a healthy thing to do because he's a kid still. So I love what you're talking about if parents and kids out there. Some parents listening to us feel like they're at an impasse. Their kids won't talk to them or the or the parents don't wanna talk to the kids. They just are butting heads all the time. It can be scary for either party to kinda come in and say, you know, let's just sorta sit down and talk your because there's a lot of anger and tension and. You know, there may be three years of that or two years of that. And that's all they know how to that's only style they know how to relate in. So I if you can back up a little bit. And if you have a situation with your teen where they just won't talk to you at all. They don't wanna be around the house. How would you as a parent sort of approach that team? 'cause obviously have to go slower. Yeah. That teen. You're describing was me. I was that young kid those in the house that didn't wanna talk to my dad because I thought he was just the meanest guy on the planet, and he never listened to me. And if I can go back and talk to, you know, myself or even to my parents at that time, I think sometimes parishes need to just be in the presence and be loving and just be there. Ask a question, and listen sometimes you don't have to bring an answer. Bring your your thoughts to the to the situation right then to to your kids, right? Think sometimes kids honestly, just wanna be able to talk and just talk a lot, right? And just noted their Paris, actually, value what they're saying. Or even just understand what they're saying. But you know, I think there's a time and place for every parent to be like, hey in a let's talk about this or hasten, for example. How was your day and let your son that your daughter just say how their day was. And just say that's good. I mean that is man that's nice or, hey, what do you think about? This don't really like this. But what do you think about this? Let them talk. Okay. I understand. I totally get it. Okay. I see that banks, and you'll be surprised of how many kids by wait, my mom and dad just didn't talk to me to death about this. Wait, they actually heard me. Wow. And then they'll wanna come back, more and talk more. And then eventually they'll ask you so mom and dad, what do you think? And now you've just created the opportunity to where both sides can have a conversation. I would say that every single teenager. I've worked with his little older who's really just doing really obnoxious things to get attention from parents or the parents have taken off or left or whatever. But every teen I've had who's in dire. Straits says two things nobody cared enough to listen to me, and nobody really cares about me. But I was intrigued to say no one wants to hear what I have to say, they feel unheard, and they feel nobody really wants to hear what they have to say. And I think I can speak from a mother standpoint here, I think that so many times we as mothers, and I don't know if dads do this, but we see our kids sort of going farther and farther away from us, and we want to grab him and pull back, and we believe the best way to do that is to grab them. And then just tell them tell them talent talent talent what to do. And even if we ask a question as the teen is answering the question. We're already figuring out what we're going to say in response to what he's saying. And then we interrupt we are. No, no, no. You don't understand? You gotta this and this. So we're really bad at listening particularly moms, and it's it's a discipline for a parent to say to their child. You know, how are you doing? I just wanna hear you. And then don't say anything, even if you don't like what the kid says be quiet, you know, respond in twenty four hours, but not at that time. And you know, it's such a simple thing. But I think that kids would love that if you could boil a teenagers needs down to four or five what do you think those fundamental needs that a teenager? We have we know they want to connect with their parents, but underneath the surface. What are they really looking for? This is good. All right. Our say the top four five things. That a kid desires need. Understanding. Love acceptance value in feeling heard. Yeah, that's it. And even if a parent does two of those, you know, sometimes for many kids, you know, that's good enough. So how do parents make their kids feel valued in this? Crazy busy world when parents believe the best thing I can do for my child is getting a tutor to get better grades. Make sure they have good coach to help them. Excel in soccer, football, whatever. And so they sort of are just constantly keeping their kids engaged in busy 'cause they wanna really kind of build a portfolio for the fits. I don't know how to say. I just got a letter from a lady the other day, you know, my kids so stressed out. And but she really wants to go to jail, and I really wanted to go there too. And I thought well, but she anyway, other than just sort of getting your kids to do a lot of stuff and be really good at all of that stuff. How can a parent communicate to their teenager that you teenager have value to me? One of my mentors in with me being a personality here, we have an executive directed us over all the personalities is name is Jeremy brillant, and I was very impressed. He left yesterday to take his fifth his sixteen year old son to go do something that he's dreamed about doing for the last five years, and that's a play golf on the most beautiful golf course in the United States of America. And so he said, hey, son, you're so valuable to me to your to your mother my life that you know, what I'm gonna take off two days to help you fulfill one of your dreams. That speaks so much. And I'm not saying this is what parents have to do, but all have to do that. But when I'm saying is. Identify. What what what is your kid passionate about? And if it's something healthy that is good for them deposit into that make them feel like what I like, my parents, actually like what I wanna do. My parents will support it. What I dream about. My parents went to help my dreams come alive there walkway feeling valued though, walkaway filling loved they will walk away feeling understood. I mean, there's so much that can come from just that one thing. But I just think that's so important to where. Yeah. Sometimes parents could be had that tough love. And sometimes that's needed. Actually a lot of times has needed. But sometimes, you know, value is how can I love you that you can see the beautiful thing about that. You're talking about is that Jeremy or any father like that doing things with his son? You don't have to say anything just the fact that this son sees you taking time out of your busy day and your work and sacrificing income and going because a lot, but you know, and then going and sort of saying we're going to go off. This is our time together, I'm not going do it with the other kids gonna do it only with you. And you know, what I mean that kit that makes that kid feel like they're on the top of the world. And if a parent can't afford to take their child to you know, great golf course, there's so many other things you can do you can take your child camping you can find some woods around you and pitch a tent or. You know, they're just so many things that you can do or your son likes basketball. Find a great basketball, you know, game to go with to go to. But you're absolutely right. And I think one of the things that I've seen in kids, and parents do something like that say, they do it to three times a year, they take their child out and do something when a child older, they will say, oh, my dad did that once we you know, we went all the time. It's sort of expands in the child's eyes. It's really pretty cool. So that's how you make them feel valued. And we've talked about listening one appearant really disagrees with their child. And you know, a on a big scale, maybe their their child is an alcoholic or they're just doing things that parents really disagree with how can that parent? Communicate acceptance to that teen when they really don't like what they're doing at the end of the day. You know are believed that apparent to be apparent if the safe one example, you find that you your your teenage son who's eighteen or younger this for an example is drinking always say, remember, you're the parent of friends. So you have to be very firm. So, hey, listen, I disagree with this. And while you're still living with my Ruth. And you're below this age. You're not going to be doing this percent. I love you. I don't want. You think this is something personally issue? But it's not healthy. Like explain to the child while you're making that decision. Just don't yell at him and just make them feel belittle but explain to them. Hey, I'm doing this. Because I do love you. I'm doing this because our? I want to protect you from hurting yourself in a future. Now teenager gets above age. I think that's when we gotta transition to say, you know, what I do not like this. I love you. This is why do not like it. But also suggest you do not do this. But whenever below age make. I mean, my son is not drinking is six years old. It's not happening. And I'm gonna make sure that he understands why he's not drinking through love. But I'm gonna be farm as a Perry because I'm not as friend. I'm not going to be my son. Oh, my daughter's friend of friend. I'm going to be the parent. So that's what I would say. But I'll always believe that as a Christian believer. You know, Jesus gives upset me, but he also gets upset through love he communicates through love and not just always wanna leave with them. Make sure that you always come off loving, even when you strongly disagree in even when you're upset. And I think that, you know, you're absolutely right. You can sort of separate what the child's doing and how they're acting out from the child, but it's hard to do. And it's really hard to be a tough strong parent in this age. Parents I hope you're enjoying my conversation with Anthony we need to take a quick break. But don't go anywhere will be right back with more of my conversation with Anthony what today's distractions and busy schedules. It's easy to lose sight of what's really important us. The things we love and appreciate real moments with family from cooking with your kids to sipping a refreshing drink at home with them. After a long day dairy milk helps us savor the real moments. That matter with the ones we love while also giving our kids nutrients, they need to grow strong and help them recharge friends when my kids were growing up. I made sure that. At lunch and dinner. They had Beal milk. It's not only a great source of high quality protein. It has calcium and vitamin d to strengthen bones and B vitamins for energy. And if your kids are athletes, like mine work, they need that. So make sure that your kids. Get enough real milk every day. Learn more at milk life dot com. That's milk. Life dot com. Rossi's are the every day flats for life on the go. I will tell you friends since my daughter introduced me to Rossi's a couple of years ago. I am put I have several pair in different colors. I loved them. Not only do they come in wonderful callers. They're comfortable you can throw in the wash to get them clean, and they're made of cycled plastic bottles. They hear about that. And you think what shoe would look good made out of? Saiful bottles. I'll tell you you need to just go to Rocky's try a pair and you'll be hooked to. They're so comfortable. They're available and a wide range of colors and patterns as well as four different silhouettes Rossi's, go with everything from yoga pants to dresses and skirts. Plus, they're constantly launching new styles. So your guaranteed to find a pair or three like me that you love best of all since Roth. These are seeing Leslie crafted from recycled water bottles, they're ultra comfortable as soon as you slip them on and Roth these has diverted over twenty five million water bottles from landfill right now. Robbie has an amazing deal for my listeners. Use the code mic to get free shipping with no minimum that's free shipping and free returns or exchanges on your rati shoes. When you go to Roth these dot com. That's our. T H Y S dot com and enter Meg to get your new favourite flats and free shipping. Once you try shoes that are comfortable stylish and sustainable, you're never going to wear anything else. Head to Rockies dot com and claim this offer with code Meg. Let's just talk about social media for little bit. There are a lot of studies coming out. We're going to talk about screening girls are hooked on. Social media boys are hooked on video games. What effect? Do you think that's having on kids in their relationships with their friends and with their parents, it's dramatically affecting the Boca screen time. You know, girls are test to social media because I believe they're getting affirmation from their guys are attached to video games because you know, guys, we are y to accomplish something we went to hunt. We went to win something. And so, hey, we go there for social media. So I always recommend. And two parents that hey, we gotta lead, by example. And when you come in house, you get off the screen as well. And show your kids like I'm going to focus on you on a family. No screens. So at the dinner table were not on social media. We don't have cell phones at dinner table when we come in. And it's hour two hours of family time watching TV together. Maybe or doing something we don't have any cell phones. We're not playing video games. We're we're together as a family when I was growing up. All we really could do was just watch TV. We didn't have social media back in the days, we had AOL in the chat room. But my parents, let me think about the chat rooms back then because there's was a K ruin dinner table, and we talked about things at the dinner table and the dinner table, we was at the dinner table may for at least an hour and a half eating. Sometimes we weren't eating. We were talking about life. And I think that is is funny. I was talking. With a kid the other day, not mentoring them. And I said, what is one thing that you find interesting about your family, and it was like well there I tell you one thing I do love about my family. I was like what I said we tech salon us it, really. It was like, yeah. Just the other day, you know, attacks my mom in the room next to me at the house, and I was like what? And so. Just a fact that they even like that. Like, I want to take my mom who's in very next room in her bedroom, and we're texting back and forth rather than having a face to face conversation. And so I think the screens are becoming distraction is becoming the norm, and we have to break that because we have to get back to the face of phase and really depositing healthy stuff into our minds, especially to our kids minds. What a kid say about their parents use of screens. Do they ever talk about that for they talk about just their use of screens? Yeah. They always say my parents always on their cellphones. Or my dad is always on this laptop. I've never really heard this generation of kids say like for an example, a fifteen year old male saying that his forty euro pops is playing video games. No, the most I hear is man. Yeah. Football game. And my dad missed my touchdown because he was looking down at texting or responding to Email, or, you know, a young lady saying, hey, I came in and I was trying to show my dad my dress for prom. But you know, my dare really. Wasn't paying attention to me because him and my mom takes on the phone. So that kind of stuff right there. I think is is important one thing. I am fearful of because this generation is growing up the video games for guys. We are starting to see more younger guys in the twenties and thirties who are very addicted still to video games. So my fear is these guys will grow up fathering a younger generation in playing video games being attached to that. So we gotta get better at that as parents, and we have to start leading children. Like, hey, if we're going to ask you to get off the screen time, we're going to get off screen time as well screen time is phone screen. Time is computers. I'm just a big fan of once. I come home. I'm gonna try my hardest to not bring work home. Once I'm home, I'm home, and I'll deal with work at the appropriate hours. But when my kids are home, I need to be in front of kits. I'm a call that kid screen time. Yeah. Yeah. The other thing that 'cause this is one of the big issues that parents talked to me about all the time as you know, they say something typically like this. You know, my son is on his phone all the time. And I don't want him on the phone all the time. What should I do? We you just told me you don't want him on the phone all the time. So what would be a reasonable limit for his phone? Well, you know, if he were even off at two hours a day. I still there you go. Yeah. But if I do that he's going to yell and scream and hate me. I said, you know, what teenagers have temper tantrums shows like doing. Oh, well, you know, but I think it's really really hard for parents. I think also what I see in teenagers. And correct me if I'm wrong because you interface with many many more than I do is his are constantly on their constantly stimulated, they're constantly getting bombarded with you know, noise, visual noise. Audio noise just it's almost like living on Drennan all the time. And that's not good for their bodies. I it's really not. And here's one thing too. That that I've learned from teenagers is they don't mind their parents saying, hey, you're gonna get off a little bit. Give them something else to do like expose them to something goes if you just say get off, and then just leave them the. Yeah, they they're not exposed to anything else. So if you say, hey, listen, when you come home, you can do to two hours of social media. But you know, what? After that how about we. Let's are working on a building business for your. Hey list. Spend some time looking up scholarships or hey, go get a job give them something else to do that distracts them from that in kids are actually loving it. The truth is mad when I grew up. I wanted to watch TV everyday. But my parents said you only can get our during the week and you can get four hours on the weekend. And so I was like, okay. But then my dad was like what what you're gonna do is you chose. You're going to your homework, you're going to do this. You're going to do that. He gave me something else to do. So before I knew it. I didn't really recognize that only watch an hour worth the TV every single day because I was busy being productive. And so I think that's an integral intimate still now. I only watch maybe thirty minutes to forty five minutes of TV every day because I'm always trying to find something that's productive. And so if we really want to do that give them us some limits. But then also give them something else productive that they will enjoy doing. I think that's really great advice because a lot of times. Parents go. No, no, no. But they don't have the yes in there. They don't have the yes to this. And and I want to encourage parents, you know, many kids are dictated in one of the ways, you know, your child's addict as you say, okay, you need to turn it off for two hours a day. And if they really scream and yell that's a big red flag that they don't wanna feel like they're going to withdraw from it. So you might have to ease them off. But what I found is once kids get used to dialing down on all of that it feels so good. They wanna stay there. But a lot of them don't have the capacity or the ability of the constitution to sort of keep them selves away from social media or video games. Because all their kids are doing it. We only have a couple minutes left. And I just wanted to talk about one thing because I know parents are very worried about it. And I'm sure you see it and that's the rise of depression in teenagers. And where where do you? This is coming from because I know parents are scared and they're scared that they're gonna miss something. And they hear about all this. You know, the suicides and so forth. You know, have you seen a shift in kids Mods or do you see many kids who are struggling with depression anxiety? It'll make I am an end to be honest. Not just in teens. I'm seeing even within that millennial generation my generation, I will say the two things as contributing to this is really two things one the not knowing who they are. They don't know their the their identity, and then too because social media is so big. So they're letting social media defined who they are what they should be doing how they should be thinking. And so if that doesn't match with who they really are didn't brings depression, and I I'm fighting that. And you know, it's scary because social media so much into this generation. And so one thing I've been doing with kids saying, hey, step off social media goes back to what I was telling them about the parents, and I've been doing it myself. I'm stepping off social media because I think just naturally draw you in and even Rachel Cruze even wrote a book about that. And so that's one thing I've been challenging kids to do is like once a week get off social media for twenty four hours. Just just step back. Refresh yourself and just are focusing on you focusing on who you are start defining cool. You want to become a future and started noticing when young people start doing that they release start coming back on social media and say, no, that's not me. Who cares? Okay. I'm fine. And they're they feel more certain about who they are. And I love that they feel better about themselves. You know, I'm a middle aged woman. And I don't go on Facebook a lot of those things because I feel worse about myself because everybody has, you know, their prettier or they have a nicer dog or their kids are happy or anything. It's kind of social media to me is kind of like a show off zone. You know? It's like look how great I'm doing. And look how happy my life. Is in you can't help it walk away going. Oh, and so, you know, and I if I measured as a sixteen year old girl, it's just gotta be it's gotta be so confusing. And so I if elating, but I think you're absolutely right about the depression. I think there's a lot of things. And then if you have a kid that's on there. And then they go home, and they feel disconnected from their parents. And they feel like their parents never wanna listen to them or asked their opinion. Here. What they have to say. I mean, it's like the perfect storm in kids just can't handle it. And no wonder depression is going up in them. It is, you know, just recently, we celebrated Valentine's Day, and I was just looking at some posts of this young people. Oh, but I didn't any flowers. Oh my gosh. I must not be attractive. Oh, I'm not loved. And again, if this is a young girl wash this this is a young girls in gave me flowers in her father's in her life. I'm disappointed in her father. Other because her father should have been loving her to where she does even notice that she didn't get anything because she had love at home or the safer father's not in her life mother sent. I mean, you have to be connected as parents, which is why is so important for the parent to be connected. Because if if they're not getting the love from the house they're looking from somewhere else, and if they're not getting it from somewhere else, that's when they start falling into into depression. And so that's one thing. I sent my sister sent my mother's. I even sent my young females that I've been mentoring. I sent them all something because I want them to know. Like, hey, you are loved you may not be married, but you are loved you are valued you are pre she aided because I know how important that is for a woman for brothers. Don't send me flowers. Send me a ten hours kind of guy. But you know, I think you're absolutely right. And I think that even a small gesture like that makes kids feel so good. I even still remember, this is crazy. But when I was in the fourth grade, my mother, she always pack my lunches, and she wrote something on a nap, Kenan. She knew I love reecey, peanut butter cups. So the specialty she put went in. And I still remember how it felt when I opened my lunchbox a simple gesture like a, wow, my momma really is thinking about me. And she, you know, she she just feels that I'm worth taking that extra time for and it really does it changes kid's lives and any parent. I believe can be connected to any child. No child is beyond hope. So if there's a parent out there listening right now, Anthony single, parent or parentless struggling ago. Yeah. This also, really great. But you don't know my son, or you don't know my daughter. She runs away. All. The time. My son is taken we'd all the time. And he won't go to school. How what would you say to that parent being courage? Change words. I was that kid that wasn't Okla hit that will making a lot of bad decisions. When I was younger one thing that my mom always did was she always spoke positive, and she always reminded me who I was even when I made negative decisions bad decisions that impacted myself impacted my family, my mom was very careful. What what she said over me in around me? And about me, she always felt positive number two. I notice is not a spirit podcast, but pray, you know, and in three be loving because I believe that if you're loving, your prayerful, and you're speaking positive words, and you're still being firm as a parent your child will turn things around and live, by an example. And just don't give up because my mom didn't give up on me. I got expelled. Times when I was in wasn't middle school once in high school, but my mom was still there. Still encouraging me still pushing me still challenging me still being a parent and Directa me on on some of my bad decisions. But I am the man who I am today. Because my mother never gave up and she always spoke positive over me. Well, you know, beautiful beautiful words, and I really appreciate the time that you have given us Anthony, you know, kids, so well, and you can give so much hope and encouragement and wisdom to so many parents. So I really hope that parents come out to join us in Sacramento in Minneapolis. How can people find you help? And they hear more of what you have to say or look at our schedule. Yeah. The number one thing you can do is go to Malev site. Anthony O'Neill dot com, but I'm all over social media Instagram YouTube Twitter unit just Anthony O'Neill. All my social media has a blue check mart. So as a lot of fake pages out there. But if you see the blue checkmark that is me, but I love connecting with you know, my followers in my tribe on Instagram. That's at Anthony, Neil and see my temporary. See where you and I will be they can go to Anthony, Neil dot com. And check out my Vince and see what cities are are may come to near them. Awesome. Awesome. Awesome. If you have a teenager, a young adult, and you know, that Anthony in your area, get them to one of his conferences. They're fabulous. Really fabulous. Anthony. Thank you so much for joining me. I would love to have you back on my podcast someday. Because I know you've got we just crashed the surface of what you can teach it. So I'd love to have you back on sometimes comeback. Thank you so much and here my points. Depan der- one your teens or kids do wanna talk to you. You know, many parents feel that they're preadolescent or adolescent kids just don't wanna talk to them. And this is absolutely not true. Anthony listens to thousands of kids every year and teenagers and young adults say to him all the time we would like to talk to our parents, more and connect with them more. But they just don't know how you know, they have difficulty expressing themselves and many of them feel that you're not interested in them. And isn't that ironic because you feel they're not interested in you? It's important that you be the one to understand the communication gap. And that you the mom or dad be the first to close it kids often feel lonely, and like no one wants to listen to them if you. Let your teen know that you want to hear what they have to say sometimes you've got to bite your tongue and just listen to them. Then here she will be ready to talk be patient and keep letting your teen. No. You really wanna listen to him or her and know what's going on in their lives, if you're genuine, and that you pursue them in communicate that to them, I promise they'll open up and talk to you to be the one to take initiative towards restoring a relationship with them when teens withdraw and they get angry they push themselves away, and they distance themselves from their parents, they can act noxious and mean, they act out, and they communicate to you that they don't want to have anything to do with you there waiting for you to be the one to initiate any gestures of healing. Remember, they do want to be close to you. But. They have no clue how to get there. And when they're feeling upset they will act obnoxious and mean and push you away. But don't be fooled. They really want to connect with you better. They're often as confused about talking as you are. But since you're the it dulled you need to take the lead in restoring the relationship three never take your kids behavior. Personally. Most of the time when preteens are teens get snarly or even mean parents get their feelings hurt. And I found the particularly dads when their daughters are snarly towards them, and many parents believe their kids hate them and wanna stay as far away from them as possible, I've experienced this. I've gone through periods. Where I thought my son hated me when he was a teenager. But that's not true. He didn't. So don't be fooled. Every time your child's exit. Remember that here. She is crying out for help. From you say that again, don't be fooled by your child behavioral because every time here she acts out there. Crying out for help from you happy kids don't act out hurting kids. Do they need you to remove yourself in motionlessly and figure out what's going on inside of them. Chances are good isn't about Hugh. Alright, parents let's get social I wanna hear from you and interact with you. You can connect with me on Facebook, Twitter and Instagram at Meg meeker MD. Or if you have a question for me, send it ask Meg at Meg meeker, MD dot com. My first question is from anonymous, Dr Meaker, I'm gonna very bad place. I'm going through severe depression and anxiety as a result of finding out a year ago. My daughter. Has same sex feelings. She was thirteen to time. And now, she's fourteen I'm divorced and feel horribly guilty that my divorce causes my moral and cultural upbringing is anti-divorce and also anti gay. I'm so depressed at my children are living with their father right now. A hundred percent of the time, and I rarely see them. I do get more depressed because of the guilt and shame. I feel about not having been a mother to them for months, please. I can't accept this about my daughter, and I feel were all living in such a gay, affirming society, including her father. She is also in therapy now for depression. I have been through every form of treatment for my depression, including TMS ketamine, and even e c t none of which has worked Imus shell of a happy person. I was before I learned of this information now, I live in pure isolation. I wanna tell you anonymous. There are a couple of things that you said in here that are just. Just plain wrong. And so I want to straighten those out before I go into any suggestions that I had for you. First of all, you did not cause your daughter to have these feelings, and I know that you feel horribly guilty, and you feel that your divorce causes in your daughter. But it didn't believe it or not thirteen and fourteen year olds are gonna do what they're going to do the fact that she's living with her father. And it sounds like her father's gay. She's having very different influences, and she's living very different lifestyle than she would. If you were if she was with you. There's nothing you can do about that. I know that you want her to be with you more. The only way you can get her to be with you more is to petition the courts, and that comes through a good lawyer depression says to you it has a mind of its own entity talks to you. So you need to talk back to your depression. Okay. Depression says to you. You're not worth anything. You've messed up your life. You've messed up your kid's life. You're guilty for everything. Why bother living all of those are lies? And so when you hear depression, talking, you you need to say hold on a minute say out loud what they're saying to you. And then take a piece of paper and write down. What is true? I am not responsible for all the things. My kids are going through. I am not responsible fully responsible for my divorce. Did I make mistakes shore? But I'm not fully responsible for that is my life worth living. Absolutely. It is. And so you really need to pression is a battle in the mind. I would encourage it sounds like you've been through some very severe treatments for your depression. I don't know if you've ever been in. Inpatient setting for six weeks or so now, I would recommend that you do something like that off hand. I can't think of a program, but all you have to do is go to the internet. I know Dr Phil on his show has recommended some really good treatment programs, but I would start there when you're fighting depression. It's a war, and you pull out all the stops to fight this war. And I know you feel discouraged because you've tried e c t and ketamine and different things. But the battle isn't over right now you fight for your life. Don't think about your daughter. Don't think about your husband. There's nothing you can do. She's living whether debt I want to also tell you another thing, you're not fully responsible for the decision. She makes. So you got to get that off your back. Okay. You've just gotta get that off your back. Find a good treatment center. Go in there for six weeks if you can afford it. Or if you can get a loan or somebody can help you do that second you need to fight the battle of depression in your head you need to talk back against it hard. I know this is hard to do because depression, convinces, you that you're horrible that you're bad that you really should die. It's all a lie. The other thing that I would encourage you to do is to understand you said I used to be happy outgoing and fun and engaged with my my kids. Now, I live in pure isolation. You need to find some friends. I know you don't feel like it. But you gotta make yourself. Do it one or two good close friends that you can spend some time, and you cannot be in your house all day long, depression, also tells you nobody wants to be with you go to bed stay away. It's a worst thing. You can do force yourself to be out with some friends. If you have some friends that are in good church. Go there talk to the pastor. Just get out. I would encourage. You to sort of bring your heart before God and say, I don't I know who you are. Right. Don't know who you are. But ask God to help you every recovering drug addict or alcoholic. I've ever known has found hope and help through God. And I believe that you can find that hope and help with him to think hard about what I'm saying. Because this is really important. This is a battle for your heart, and your soul you can win. It. You can win it. Thank you friends for writing in. You know, that I love answering your questions I love to hear from you. I love to hear about what's going on in your lives and how I can help you anyway. Remember, send me any question. You have on parenting. No question is off limits. I love answering hard questions about touchy sensitive issues. You can always write to me at s Meg at Meg meeker MD dot com. Again, ask Meg at Meg meeker, MD dot com. I wanna thank my guest. Anthony O'Neill you can find out more about Anthony AJ, Anthony, O'Neill dot com. Once again, that's Anthony O'Neill dot com before I sign off. I need to let you know friends that Anthony, and I are going to be doing some speaking engagements together he's gonna talk to parents about what their kids need. I'm gonna talk to parents about how to give it to their kids. We will be in Minneapolis Minnesota on may fourteenth and in Sacramento, California on may twenty first may fourteenth Minneapolis may twenty first in Sacramento. If you have any questions go to Anthony as website again. That's Anthony O'Neill dot com. Even also follow Anthony Facebook Twitter YouTube and Instagram just search for Anthony O'neil O N E L. So let's recap my points to ponder one your kids or teens. Do wanna talk to you to be the one to take initiative towards restoring relationship and three never take your kids behavior personally. So until next time parents remember great kids are raised not born this Bobby producer of Meg meeker parenting. Greg kids podcast. We'll be listening to episode seventy nine smart parenting raising teams, thanks to you. Dr mix parenting revolution has grown to over three million downloads. You can like Dr beaker on Facebook at follow her on Twitter and Instagram at make meeker MD as a reminder, go to make meeker MD dot com and sign up her newsletter. Forgive away opportune. Updates and don't forget to share the podcast right review and click subscribe. So you won't miss an episode.

Anthony O'Neill Anthony depression Anthony O'Neill Meg meeker Sacramento Instagram Minneapolis Meg Facebook Meg meeker MD Google MD middle school high school ketamine Kirk Franklin meeker basketball United States
Nothing Extraordinary Happens Within Your Comfort Zone (Hour 3)

The Dave Ramsey Show

40:21 min | 9 months ago

Nothing Extraordinary Happens Within Your Comfort Zone (Hour 3)

"To you live from the headquarters of Ramsey solutions and broadcasting from the dollar studio. This is the Dave Ramsey show. It's America hangs out to have a conversation about life and money I've Coleman. Coleman show as part of the Ramsey network also joined by Anthony O'Neill who is a part of the Ranji network is well both of us part of everything that we're doing here, Ramsey solutions to help you live your best life and we're together this hour on the Dave Ramsey show answering your questions triple eight, eight, five, five, two, two, five, his show that's blown up on Youtube Anthony's just crushing it over there. It's called the table new episodes every Monday Anthony Neil dot com. is the place to connect with everything he's doing joining him on Instagram at Anthony. O'Neill. The Ken Coleman Show is Monday through Friday part of the Ramsey network. Again, all the details at Ken Coleman Dot Com check me out on instagram at Ken Coleman. All right. Let's get to the phones Anthony. We've already been having a blast today. We're ask keep going with it. Jacob. is joining us in new. York City the Big Apple Anthony here he is Jacob. How can we help? Bad guys how are you doing? Good. How can we help? Feeling very well. So I'm twenty nine years old and I graduated college about six or seven years ago. My parents stayed generally j generously offered to pay for my education and they took out student loans to do it. About fourteen thousand left in student loans and I'm getting married. Next year you know wanted to know if I should pay off my student loan before getting married. Or if I should continue to allow my parents to pay the minimum on my loan. Ties. I mean great question. I don't think there's a right or wrong. Answer in this situation I mean 'cause I'm assuming that your parents set like you said that they will pay for your education and if they said that then there's nothing wrong with you making sure that they that they stick to that. But. If you're in a place financially to where you can't go ahead and just cut a check for fourteen thousand dollars and he doesn't impact your future in your future a wedding. I would absolutely there's nothing wrong with that neither you know and so I I would do that. Yeah. I. Mean Ask Jacob What do you want to do? Are you wanting? Are you feeling like you want to bless your parents by paying the fourteen off? Is that where you're leaning or not? Not. Necessarily more so that I didn't want I didn't know if the jets was going to have a cre- impact on me once I'm married. Well, it's The debt is in your name, any your parents name, and so will they have an impact on your your credit situation? Yeah. It is. It will 'CAUSE you're in debt on credit ports, selling your parents credit report but s as far as in if you have the means to pay it off and it doesn't impact you. Go ahead. If you're saying I don't I do not have the means and I do not WanNa pay it off the no. Go ahead and make your parents or allow your parents to stick to their word. So it's really up to you right now but will impact you and your credit moving forward. Yes it will. Good. So thank you for the call Jacob Art. Let's go now to Birmingham. Alabama. Daphne joins US There Daphne. How can we help? Hey guys. Thank you can call I am fifty one. as I was sitting here waiting. I, realized that today's thing AANIVERSARY A. Three year three years out from a divorce. Four kids three of them are still in school and college. I should say I have a good job I work for the government and but I still have to work a second job to make ends meet and I'm very not very happy at all and it's just you know too depressing job and then I'm always worn out because I'm working sixty hours a week you know when I. You know it's just tough and I. Listen to you guys or listen to the show almost every day in the background work thinking. How can I get out of this and? How can I make no lots of different though than this way for the rest A Lot. Have them off show. Yeah. Yeah. Well, first of all, we don't know how many days we have none of us are promised tomorrow, but I would. Do, do but my point is you know it's not about half your life being over it's that hate the next chapter of your life is yet to be written and at fifty one, you're not too old to start writing new pages and write new chapters and in some ways with the divorce, you've already been kind of kicked out of the ness relationship. Wise in that you've got a new chapter there and and so this is about figuring out what are the steps that you? Need to take to get where you WANNA go. So so Daphne, I want you to suspend all doubt about how old you are and how much life has gone by want you to spend all fear failure what others might say and just for a moment I, want you to tell me what would you try? What would you do professionally if you could make the money you wanted to make and you knew you couldn't fail. What would you try? What's that thing you've always wondered about? Ways then inclined to be to help people especially people who've been through anything that I've been through that. I definitely know about you know and I think we'll have a heart for people and being able but you know. WHO THOSE PEOPLE BE WHO Would you help in a counseling setting? Would you help in a? Probably, look how quickly you got into that one so Play this out for a second. Okay. Would you WanNa Council couples that are struggling to keep their marriage together? Would you WANNA council people that have gone through substance abuse? Would you WANNA council kids I mean who are those people you would most love to sit across from and help them dig out or helped him avoid well, married people who are having problems single-parent on a single women who've already you know already do that in my small you know look at you. Church. So but so really it's that relationship and family counseling and so so then you look at that and you okay, what would it take to get there? Okay. So four simple causes I understand but I wanNA paint a picture for you. Okay. So What do you make right now with both jobs you've got your government job plus your second what do you make Ballpark I make out? Forty, the main one and I make another sixty five Okay. So right about forty seven thousand dollars gross. Okay. All right and so for you to make ends meet, are you able to cut expenses even more? I just about all there is Becau- okay but you're at forty six. Thousand five hundred dollars in Birmingham you're barely making ends meet or are you in d. of major debt still that you're dealing with I do have some of the car to payment and Had some credit card yet. Okay. Are you working Dave Ramsey's planned the baby steps to get out of debt? That well, do you have two cars? one's mind and once my daughter's you're paying for both of them. Yes. How old is your daughter? no actually I take that back. She does her car payment. Yes. Okay. So So here's here's what I want I want you to hang on the line. To dig on this yeah. I. Want You. Will you stay with us over the commercial break because I I WANNA I wanna Anthony to walk you through your next steps financially because you just started listening he just started with Dave. So anti is going to help you on that and then I'm gonNA walk through the steps on how you can be a professional counselor and make really good money and be thrilled going in. And be filled common home. Oh, to help her Anthony's before dolman folks, the Dave Ramsey show continues. Just. Well we all have enough on our plates right. The last thing we need is to not get a good night's sleep think about how effective you're going to during the day. If you can't even think clearly because you didn't actually arrest that's one of the reasons I've been recommending TUFT and needle. My family has their mattresses and they start as low as three, hundred, fifty dollars plus you can try it out one hundred nights. Risk free go to T. N. dot. com to pick yours out, they ship it to your door for free. That's T in Dot Com. Welcome back to the Dave Ramsey show I'm Ken Coleman joined by my colleague, Anthony? O'Neill. And we're taking your calls this hour on the Dave. Ramsey. Show triple eight, eight to five, five, two, two, five, triple eight, eight to five, five, two, two, five. All right. So we held Daphne over because we took her call a couple of minutes before we had to move into a commercial break and she's she's going to rejoin is here in just a moment from Birmingham Alabama and she's fifty one years of age. been divorced three years and She's got a good government job, but there's no juice. It's just a stable job for her. She makes forty thousand there that she's got a second job that brings her in about sixty five hundred. So she's right at forty, seven thousand dollars but we found out right for went to the break a oh, that she's barely making ends meet three kids in college and one that's out of college. She's barely making ends meet on about forty seven thousand in Birmingham and you said. As we started asking questions. She's got some debt. Now, the the context of this folks is that she's got some debt. We're going to dive into that and get her straight figure out what that path is. GonNa look like and give her a timeline. Then I'm GonNa come back to what we started with unhappy my career she really would love to do counseling but right now she's overwhelmed with this idea of how in the world can afford the education necessary in the licensing and make that transition when she feels like she's barely keeping her nose above water. So that's where we are and so we said okay. EO needs to work on this so Get ready to go get ready to write and have some thick skin here because doctors to go to work here. All right. So welcome back Daphne Ao takeover. So Daphne. Let's break this down and I know you're new to who we are as an organization. That's fine. So we're I'M GONNA walk through this process so I can help you and so that way when you get off of this phone call a, you can have some steps to do. So at fifty-one, you're making about forty six thousand dollars a year correct. cranked. All right. So the average single individual in America today, it's making about forty thousand dollars a year. So you're right around that ballpark. So this is where I have some small questions I want to see like what what can we do? What's your total amount of debt right now? How much debt do you have? Totally Well with cars. I. Was telling you about it like twenty one, thousand, twenty, one thousand dollars in debt. All right and one of those cars you cosign for your daughter. Correct. Correct how much is that car? Hundred word how much is Your own it. About thirty eight hundred okay. Thirty Eight, hundred dollars. Okay. It's your daughter working. How does how does your daughter? WHO has his car? She's nineteen nineteen okay and is she working? Yes. Okay. So here's what we need to do Do you have any savings at all right now? No okay. So here's what we need to do I think. You need to write up and an agreement which daughter and that she needs to take one hundred percent ownership of this vehicle and she has twelve months pay paid off. Is She living with you? Yes Oh yes. She has six months. Okay this way this way. Now, she takes ownership of her life that frees you up of thirty eight. Hundred dollars takes you down right down to about seventeen sixteen, seventeen, thousand dollars near making forty one. Forty seven thousand dollars a year within this actual timeframe. If you get on a budget, do you have a written plan for your money right now? I just started that this. Brand new I. Love It. All right. So you're going to stick to that for three months and I heard you. You said, Hey, I've already cut off with some things and I love the fact that you've already cut off some things but I really wanted to get very very detailed. I'm talking about if you have a little small subscription that you do if you do five dollars for your nails need every. Penny. If you spend fifty cents on gum every month when you go to a particular store I, need you to write that down and I need you to see where else can you cut if you can. But if you can't making that kind of money, you should be debt free within about two years. So by fifty three years old twelve to eighteen, you should be one hundred percent free from your debt and I think, then you have freedom to do exactly what can can walk you through on how to get into the career field But right now within twelve to eighteen months you're looking at, you only have to pay off about seventeen thousand dollars and so how is your mortgage payment? I don't have one I rent. Okay. So how much is your rent payment? Is Eight Fifty, eight, fifty beautiful. We're yeah we're in a beautiful situation. This is not bad. Yeah. You get out of this. What does your other debts because we were? You've learned the debt snowball correct. You've heard US talk about the debt snowball where you take the walls. Okay. Good. So the car is thirty, eight, hundred I know. But what is you have credit cards as well? Yeah. Yeah. So what's the? What's the smallest debt you have the? thousand dollar credit one that has thousand dollar balance on it. Okay. Grace of that's your number. One target right now because Ao told you what to do with the daughter. The daughter needs to be fully responsible but I'm curious how much is your car actually worth in what's the debt on it? Kinda dead on Ed Eleven five and how much is it worth? Not, that much kind of cars at sixty five. thord explore four escaped Ford escape. How many miles right. hundred and fourteen ochre. Else's fatiha it. Already had to bail me out a couple of times on it. He said, Daphne you drive this until the wheels fall. Exactly. All right. So so you understand the debt snowball. So here's the deal you you gotta cut everywhere. You can cut and you get some momentum going on that debt. I know you're working sixty hours, but you can do this. We're going to have to bite the stick and you're going to have to really gut this thing out and and here's why. Because a better futures on the other side of this. So once you get out of that debt and you've got, then you can put all of that that image emphasis and energy into that Emergency Fund. Were you sleep really well at night now you're looking at old, it costs me to get into some type of counseling. Counseling degree and what would that look if I did that online because a lot of schools will offer that online so you don't have to get up and pack your whole life and move and and so you're asking four questions what what do I need to learn? What degree what certifications would I need to do that? If that's what you want to pursue I've got. Another idea for as well. Okay. But then you would say all right So now that I know what I've gotta learn, that's your that your qualification stuff what I need to do, what experience what I need to kind of eventually move into that, and then how much is that going to cost me financially and then how long will this take now we've got ourselves answers. And we've got a plan and all of a sudden you realize, hey, I can do this now in the interim while you're hustling. You should be looking and and seeing what jobs might be available in the counseling sector may be government agencies that social working and things of that nature private counseling Centers maybe even nonprofit and religious organizations. Are there some administrative jobs or some support jobs for the council? So you're not qualified sit into the counseling, but maybe you know instead of that second job which. You. Can't stand or maybe in that first job bringing in you forty Kenya match the forty you're making the government job that you're so bored with could you step into that space and be very close in proximity to the actual counseling work so that you really get a great idea of what you WanNa do it will further fire you up. Does that make sense what I'm saying? Yes and Daphne you can do that can't you? Damn come on Daphne you can do that can't you? Yes you can't is it going to be hard a oh? Yeah. Yeah. It's GonNa be hard and you can hear it in Your Voice Daphne, listen to us. You got into this over years. Yeah. You're not going to be able to get out of this in six weeks, but you can get out of it. And I'm GonNa tell you something else if the daughter the nine hundred dollars with you you know what charge a rich? Yes. She could jump in and start doing some stuff. Can you sell you start looking at if I'm going to work sixty hours a week and I'm already bone tired. Can I work in a better situation and make more money? What you have to do is you get your head up your eyes up and you're going this is my desired future I don't want to stay in a dead end job. I don't WanNa. Be Stuck financially. I want to take control of my future that is going to be uncomfortable a OH. What do you tell people about being uncomfortable comfort? You got some. Absolutely are rather be uncomfortable than comfortable because there is nothing nothing extraordinary happens with inside the comfort zone. There it is. That's a good word. Hey, don't move more of your calls coming right up Anthony Oneal Ken Coleman here with you on the Dave Ramsey show. Lesson there are some basic things that you should be doing to take care of your family a roof over their head food to eat a car to get you from A. TO B. and term life insurance term life insurance is an immediate need. No matter where you are in the baby steps since your family is at no greater risk than when you're in debt the only place I send you for this is to Zanderinsurance they shop all the top insurance companies and they're committed to serving you why I use them and have recommended them for over twenty years go to Zander dot com or call eight, hundred, three, five, six, forty, two, eighty, two. Back. To the Dave Ramsey show. Kit Coleman joined by my colleague Anthony or meal as we take you through this hour. Of the Dave Ramsey show triple eight, eight to five, five, two, two, five, triple, eight to five. Five two, two, five, taking your calls else go to the phones Nicole is on the line in Eugene Oregon the Cole, how can we help? Hi I am struggling. I. have read the total money makeover. I have really strict budget my husband and I have meetings I'm and have gone and done this for months and my husband still continues to spend outside of the budget and we get little spats about it and I. Just tried to and I I just don't know what to do next I. He's totally supportive of paying off all the all of our student loans really from me but definitely are long he definitely is supportive. But yet he keeps. Bending outside of the designated budget and so I just don't know. What to do at this point? This is the money question can this is a relationship marriage question? So let me start. Single I gotta dig. I gotTa Dig a little bit? I've been married twenty two years but you could speak to this. Here's the deal I'm curious. About what you're saying when you go, he supportive on paying off the debt. But. He's not supportive in sticky to the budget. So that seems like there's a massive conflict there. So I want you to explain how you believe he's supportive if he's not sticking to it. Okay I like he's supportive like he'll do Y I. I'm the NERD. So he'll be what I designate. You know like this is the amount and he'll look at it and he'll go to the me they and be like, okay great but he doesn't he doesn't With me and on it and he doesn't. Say you know anything negative he wants to get it done but when it comes to doing it he. Just. Always makes mistakes. So no, he's. No He's not making post to it. He's not making mistakes. He's he's philosophically going. Yeah. Yeah I think it makes sense I think it makes sense not to eat junk food. It's like the doctor and the doctors yet heart condition and you're gonNA, have to eat this way and you can't eat this stuff anymore you can't do this. Do you understand what I'm saying and it's like the patient? Yeah. Yeah I totally understand. Yeah. Yeah. Yeah. Yeah, and then they get back into their routine and they go. I can't do it I gotTa have the RETO gotTa, have the milk shake or whatever it is. So understanding and agreeing that it's a good thing versus doing it. This is not a mistake issue. This is a discipline issue, and so the small spans are eventually going to turn into some some really big things. So how is this been going on? I have a two part question how long has this been going on? And when you have the disagreements when you go hey, hubs. We had a budget and you overspent you didn't do what we needed to do what's happening in the argument. What's his response? How long's it been going on and then what's his response? Okay. So he's probably been assets about. Almost a year. Taking on about seventy five thousand well, actually more than that one, hundred and one, hundred and twenty, five thousand and we're down to. Seventy ash. That's good and yeah and so and then run sorry with the second part was. How, how does he respond? How does he respond I WanNa know what his answer is. Do you when you challenge him on not sticking to the budget. He said well so there most of the things are really innocent like well, we needed to get time tomatoes we needed this food. So I went and got it and I'm and I said well, we don't have it in the budget we need to wait until the next paycheck and like five days And he's like we can just go get it now and I'll just take it from my guess maybe. I. And I'm like. Does a good plan. Okay. So now ask questions. So this is not a major he's not. He's not veering off the budget big time. He's just playing a little bit of transferring money from the olives. Okay. Little Bit Different Situation Nicola amasses. Jumping the masses question. He's making a face making. Okay. Sometimes the NERD can be too much of a nerd. Believe sometimes nurse can be very, very, very, very anal. And so ob I'm and I'm not saying that you are but I do want to pose the question to you. Could you say would you say? That Nicole sometimes is too much of a nerd. Think the problem and most early and most nerd say that. Okay. Business. A man who will spend on credit cards like crazy like she just just out of control heat. So I. Don't know we haven't actually has he done that since you guys have been on the debt free? Journey? He has not had the means to do show. Okay. All right. So here's what eos saying he's going look because the way it sounded to us. Yeah. Is that is that your husband is just fighting against you and he's just completing ignoring it. But when you explain how much you guys together heard off as a man then what you described US Nicola? All we have all we can do is operate up what you say what you said was he wants to know. By tomatoes for certain reason, you're five days away from the next paycheck where you would be able to get back into the novel he's going well, I got some gas money and I can pull from the gas money by Donald's he's not putting you further in debt. He's not stopping the momentum. He's just pulling from different envelopes to the spirit of that. That's not that's not as big of a problem. Yeah. If that's all that it is if that's all that it is. Yeah. Well, I mean, there's a lot of things I do like anything I've done. It's kind of on my own a lot of these things like I'm the. I'm the work force and he'll go along with it but like planning our wedding like buying our house. So okay let me know. Tomatoes A. All right listen. It's okay. Can I tell you what's happening? Do Tell you've got a lot of resentment built up over a lot of things absolutely and I'm not saying you're wrong I'm not saying that he doesn't deserve a little bit of grief over how he's acted. I think he needs to grow up but what I'm hearing from you are two things number one do you guys have made tremendous progress? You really have you should be proud of yourself I also understand that you are the driver. But I also know that that you probably want to stay married and this guy also needs to grow up. Yeah and I'm GonNa tell you what's going on that concerns me there's a lot of resentment and again, I'm not saying you're wrong I'm saying that you need to get healthy and and and we need to get healthy. So I'm going to tell you that the next couple of months budget needs include some marital counseling. And I think you two need to go I'm not saying you're in a crisis, but a lot of people here counting and they go. Well, we're not throwing stuff at each other. We're not. We're not swearing each other and yell each in front of the kitchen and say that what I'm saying is there's enough resentment there. For the long haul, you two need to come together and get healthy and he needs to sit with you with a experienced and ideally a Christian I would prefer a Christian marriage counselor because they're going to look at the whole picture and he and you need to sit together and he needs to hear you share. Objectively in front of somebody who can keep you guys on the rails, the resentment that you have and the exhaustion emotionally that you have you feel like you're doing all the work and you're having to drag him along and you want more support from him all the things that he's not giving you right now, this has got to be addressed right now because Oh the rest of this journey is still going to be tough and if this resentment keeps building. This is bigger than the envelope invading for her it can hear it is is it definitely is and I'm trying to be careful because I'm not married. You know. But I I do think that there's something deeper inside of her that needs to be addressed. She gave us one one piece of evidence the the fact that he ran credit cards up really fast at broke trust with her a trust needs to be rebuilt. This is marriage counseling situation that can really avoid some major prophets down the road. So thanks for calling the cold thanks for being vulnerable here because I know this is. That your Chin up tell him hey. I. Want to go to counselling. We need to get healthy because it's going to allow us to finish this race. It's going to be more for you I need to work on stuff it's sodium. This is two of us not just one to all right don't go anywhere more the Dave Ramsey show coming up. The Dave Ramsey show continues from our Ramsey solutions headquarters in. Nashville. Ken Coleman Anthony O'Neill, taking you through this hour of the Dave Ramsey show triple eight, eight to five, five, two, two, five, triple, eight, eight to five, five, two, two, five, our scripture of the day. Second Peter one three. His divine power has granted to us all things that pertain to life and godliness through the knowledge of him. Who called us to his own glory and excellence and are quote of the day from President Theodore Roosevelt be practical as well as generous in your ideals. Keep your eyes on the stars but remember to keep your feet on the ground. My Momma, you like that don't you do triple eight, eight to five, five to five go to the motor city Detroit Michigan. TRICIA is on the line Tricia Huckabee Hope. And I- I anthony big thing I just WanNa, say thank you I spoke with you back and may regarding talking about those jobs switches burn on your role just because I coded. Me I. WanNa say thank you. We were kind of on the fence about taking that position and took it all come. I. Couldn't be happier. Nari are almost done almost so much that too right. There you guys. How much left do you have a baby step two? just over nine thousand dollars, nine thousand and five dollars. Like, we get lower than the ten thousand market seems like we start hammering away A. Couple of weeks away here So I'll be really excited to just. Just throw it crazy. has paid off about I. Close the ninety thousand in under eighteen months. Wow. Okay. So you're breaking up a little bit. I want the audience to his. So did you call me on the Ken Coleman? Show and you had a should I. Take This Job Question This was actually. You were talking you were on with Dave actually David. I. Okay. Great. Yeah. At least you and Dave I talked to both either was a nervous wreck and I'm a nurse I and I was in leadership just really burnt out and. I was on the fence about going back into nursing education, which is really my passion, my law and You know it's just like things happen for a reason was posted. That was really spoke to me something that was within my background and I switched over into the industry and it's probably been the best decision. Did. You make more money. Oh, yeah yeah and when I talked to guys we were like, oh they're not gonna make any more I mean it was almost a thirty percent increase in pay. Oh. That's you. Recive so good for you are nervous. You scared you call David, you basically said, should I take it? Yes and you like you know it's that heavy heavy weight of nursing leadership and you know leaving the four walls of a hospital and Dave was like listen no job is you know safe like you're you're not protected by an institution and it's just one of those things you take our chances and this really is. You know pretty much a once in a lifetime opportunity it. So that's why we call. That's what we call it a calculated risk. And it wasn't that risky. You weighed your options you decided to do it good for you and and and I want you the reason. I asked a couple of follow up questions. I want you to tell her audience that are that that are considering you know, can I make a switch? Can I make a career switch a job which while still paying off debt? What is the answer and is it worth it? you absolutely kind It is totally worth it. You know around the time when I called you guys, we kind of went into storm Moke worried I. Wasn't sure what was GONNA happen even with my job working in the hospital Makoba situation or So we just started piling the money away and not touching it and I will tell you you know you. See a big figure in your bank account and you think I'm GonNa totally spend that and and I said, you know what? We're pulling the trigger on just paying off some more debt and we just threw it added student loans gone forever and I made the switch to a different job and I mean I don't have the stress that I did I. Spending, more time with my family we've you know done so many things that. I didn't have the weight of that stress on our and believe me I missed those folks but you know. This was the best choice for us. Yes. Good for you. TRICIA Anthony Irish so proud of you that you did it. That is so great. Thank you for listening. Thank you for calling back in and give us an update I. Love the updates and you got a call in or come here. Do your debt free scream you know that's next right out. Yeah. We can't wait to. We cannot wait. Come there or come wrong. Hey, Dr now. Come on now come on down national. So beautiful we're open people are in the lobby come on and we want to celebrate you I can't wait to meet you and your hubs give you high fives. So come on down that'd be great that Ao so good Let's go next to Eric. WHO joins US in Omaha Nebraska. Eric how can we help? Can Nail. Thanks for. Taking my call talk to you guys. Yeah. How can we help me So, twenty twenty been pretty good for my wife and I were able to pay off. Her to loans by. We still we still have twenty thousand dollars in debt and I car loan To we're at that as much as we can in June. We found out that we're expecting our first Kiddo. Gray. Hey. Thank you. So I'm just wondering Should I? Switch I'm dealing new in. The car. Loan. Or 'cause it's our first kid. So I don't know what the what you expect, how much bill would be you know. Yeah. It really depends like wh-. Yeah Okay, nurse Hospital I, it's okay. No, it's not. Okay. At our local hospital hospital and give her some discounts and everything there. Is a simple phone call to your insurance provider and say, Hey, we got a baby coming and based on the amount of days. How much is cover me a couple a couple of questions on one phone call yeah. You're GonNa know what your deductible is or what you're going to go and right now it seems so scary Ao takeover but I just wanted to point this out really quick the you're scared because. You don't know what the answer is and so you got to find out what the answer is. Yeah, and then also to men have your wife go in and ask the hospital you know k are there any discounts? Do I get any kind of help or assistance when I do or have a baby but here's a key thing. Ask this question what kind of car are you driving for twenty thousand dollars May? Now, we're young just gotten buried. It's a Ford Explorer. Okay How much is it worth? When we got it was forty five, thousand I'm not sure what the current he probably. Wait for Ford Explorer. Yes, you easy. So. Far. Seventeen. Lunar month you know in Nebraska could snow. All right. So here's on the money side man. You can pause I'll say set aside five grand. Okay I'll say it I in between three and five grand. After that, you don't need anything more than I. Really. Don't think you need anything more than three thousand dollars from my expertise I have any kids and or go to. Cost you diapers these are budget items that you can look up diapers and all the things what your monthly budget will be got. You know you know you got the food and the bottles and your basic baby equipment, but your monthly stuff there is. Pretty. Simple. You're you know you can figure that out with have got babies and all that kind of stuff now but but yeah, listen do you need to you need to figure out how much that cars worth you need to know because you twenty on that cars? Worth thirty? Or thirty two or. Twenty Four. What would you tell him to do I mean for that right there that's it. This is Eric's only debt. what do you make a year Eric? WE MAKE? About. Eighty thousand. Yeah. I mean I it a little more if I don't have a problem keeping that just aggressively paying it off. So a lot of car you know he has a baby. So I'm cool with that is only debt and so I have no problem but like you gotta get aggressive like no minimum no more minimum payments. You should be paying two thousand dollars worth his car every month and have it paid off by the end of next year. There you go. Good stuff I listen. We're happy for you don't be scared. Go get some information information allows us think clearly, and when we can think clearly and see clearly it's nothing to be scared of all right I want to thank our production team radio and our youtube team to do a massively amazing job every show on a think my colleague, my good pal. Anthony oneal always great to hang with you. Most of all, we want to thank you, America, this is your show. This is the Dave. Ramsey show. This james childs producer of the Dave Ramsey show on your smart speaker. You can add our skill by saying Alexa opened the Ramsey network skill. From there you can listen to all our shows ask Dave money questions like how do I invest my money or what is the debt snowball find out more at Daveramsey dot com slash smart speaker. Hey if you've got questions about retirement investing and becoming an everyday millionaire, go bigger and broader with my man Chris Hogan. On the Chris Hogan Show, I am excited to be able to talk to you all weekend and week out. We're GONNA, focus on your calls and it's going to focus on building wealth investing and how to become an everyday millionaire subscribe to the Chris Hogan Show wherever you listen to podcasts hey, James, producer of the Dave Ramsey show. This episode is over check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.

Dave Ramsey Daphne Ao Anthony Ken Coleman Dave America Ramsey solutions Birmingham Alabama O'Neill Ken Coleman Dot Com Ramsey network Jacob Anthony O'Neill Eric EO Anthony Neil Nicole Chris Hogan Jacob Art
I Co-Signed on a Car That Got Repossessed! (Hour 1)

The Dave Ramsey Show

39:48 min | 11 months ago

I Co-Signed on a Car That Got Repossessed! (Hour 1)

"Live from the headquarters of Ramsey solutions broadcasting from a dollar car rental studio. This is the Dave Ramsey show where America hangs out to have a conversation about your life and your money. I'm Chris Hogan inclusive along with me this hour's Anthony O'Neill and I can tell you. We are very excited to take your calls to talk about what's on your mind. Now, I want to let you know right out of the gate. The number to dial is triple eight, eight to five, five, two, two, five again that's eight, five, five, two, two five, and you can also find us on social media. You can find Anthony he's all over the place at Anthony O'Neill you can find me at Chris Hogan three sixty, but you can also find at Ramsey show on social media. If you're not following us on their, I want you to be sure to do that. We're on all the platforms out there I'm talking about the INSTAGRAM's and totals and. And all the things Anthony, you are all over the place on Instagram Nah Man I am instagram youtube or my two favorite platforms I on twitter bows man. I'm a young guy that she. Okay. They'll start eight stuff right now. We're GONNA get along but I know you are pushing a lot of stuff out you have definitely been hitting a topic in the mouth Last year and a half about debt free degree. Yeah and really helping people to understand that higher education is a good thing. But there's a right way to go about it. There is man who here's the key thing. Hogan call you Dave Dave But you know the the key message that I really want to see young people today is that you can be successful without having that fake rich without having a bunch of dead. You can be successful by going to college one, hundred, percent debt free. You can be successful without going to college. You know you have to honestly sit back and analyze gay west the best route for me and my life in my wall once you identify that then my processor really helping not just young people but really liked that Young Person Twenty and thirties really helping them identify what is that? How do we go after that process? So? If you are a twenty or thirty year old that has a question about going to college how to do that debt free definitely want to call in and give you some guidance there but we're excited to talk with you. We are pumped up, riled up and ready to take your call. So we're going to get to the phones I. Got a guy on the line Chris calling from Detroit. Michigan Chris, how can I help you? Just wanted to. Speak with you Thank you. Oh. No problem. So the issue I'm having is Kind of a two part issue. So my wife is pregnant with twins and she's doing January. Oh, we currently have. and we probably have ten year old daughter. Okay. So I'm trying to stop the baby step we have A. Six thousand dollars in credit card debt thirty, three thousand dollars on a car and I just got her in December and. Twenty two thousand in a student loan debt. To get her in December Chris. A. Brand new or used. Brand new retreat answer. We had the negative equity making most choices to protect. What's the payment on that thing? Sh. K with the negative over salone six fifty. Okay. All right. If killing and you have how many credit cards is the six thousand. one credit card. That's my credit card with a six thousand one. All right and you guys are you married? Yes. Okay. The you got the wrong Pronoun for using you say our. Right yeah or say it. Our. Go, all right and our car payment but I but I like. That you're saying I'm the person who pretty much ran it up. I I hear you that but I agree with Chris is hours. Okay. So what what, what are you asking me? I know it better be something about this vehicle. Oh sure what is? I want her to sit on the trump again, the babies they're doing January and in Detroit, it's not easy winner. So you know couple of feet of snow so she doesn't WanNA sell it because it's brand new sorts reliable and she doesn't want to get anything us on passed away us when she had a fall down and she doesn't want that. Tunes. Trying to figure out. Yeah. Just hold on because you keep going back to them pronouns I'm about to get riled up Chris. All right now here's the deal you got twins coming you guys need to sit down and look at this situation and understand six hundred and fifty dollars a month leaving you guys. Okay This is this is not helpful thing on her mindset about the reliability factor and all that this is what people have rationalized to to to to to foster this feeling of needing payments. This thing needs to go away today. O'Kane and now it's a matter of sitting down doing the math like for example, when these babies come in January and by the way you guys need to take a nap at every chance you can twins are coming you. This is this is a battle you need to get ready but but is she planning to go back to work or she planning to stay at home? All Day. So mindset wise you WANNA batten down the hatches, which is now you gotta start to get intentional anthony what your thoughts mass car. I mean need only going further than that. And here's the thing your wife is saying and you said you want her to sell the car. No you all need to sell the car like Hogan is saying but here's the concept that I'm confused by she doesn't want to buy a used car, but she's driving a used car. because. She put the mouse on the car and so now it's a used car that can eventually potentially pro potential problems and so for her. That's the thing that I'm going to be having a conversation, my wife on it's like I get it but you know what? We knock out all this debt, not just a car no we need to get rid of the credit card payments we need to get rid of suit loans because if I'm guessing, you have about twelve hundred dollars a month going out just in payments and so Chris, they get rid of that. That's twelve hundred dollars a month coming back in I. Don't have kids you do I'm pretty sure they can use that especially with twin without a doubt Chris, you know her really well, how long have you guys been married? All year and a half, but she's my first more for an F. fourteen years old. Army. Thirty. Okay. So you've been with our while you know her this is now a matter of doing math and here's here's who it's four. It's for all the kids. Yeah. The ten year old into babies that are on the way you guys want your kids to have better than what you had growing up. I've never met a parent or grandparent that doesn't want their kids to have better. You know how that happens you have. To do better and when you're normal and car payments are normal I can relate to the six fifty. You know I did that many many many years ago, and now it's a matter of sitting down looking and going Ok what's needed? We got to know the difference between a want and a need, and right now what you all need is to be able to get money to be able to attack the credit card six. Thousand and from there, go over to the student loan debt, you can remove thirty, three, thousand dollars of debt just by you all being a little bit more intentional go to. Kelley Blue Book Dot Com find out the trade in value. On this thing it's probably going to be a little bit of an uphill battle because you took negative equity you you took stupid and put it with stupid and now we got stupid ish. All over the place, but it can be fixed it can be fixed and what you're going to have to do is get intentional get serious. This is about these babies that are coming. I, want you to sit down talk with her about what's necessary? What are we going to do for the sake of these kids and that's where you start to make grownup decisions because that's what grown folk do. This is the Dave Ramsey show. At Tacoma's we believe a great pair of cowboy boots won't just make you look taller. They'll give you the confidence boost that'll make you feel taller to at Tacoma's we make traditional cowboy boots for men and women that look great and feel great. So you can walk into a big meeting or out on the town with comfort and confidence, and because we sell directly to you with no middleman to mark things up, you're going to get great quality at a great value. Find Your Parrot to cove dot com slash Ramsey and walk taller. Hello everyone listening to the Dave Ramsey show I'm Chris Hogan hosting along with me this hour scanty o.`Neil and I got some questions and via social media on the last call we were talking to Chris he and his wife were expecting twins and he used the phrase negative equity and what negative equity means especially in dealing in vehicles is where you come in and you owe more on a vehicle than what it's worth and the dealership being your best friend. Being your buddy tell you. It's not a problem. They'll take that negative equity and roll it into the new loan and TATA. Now, you get this vehicle. The issue is is now when you get ready to sell when you get ready to try to do anything with it, you've got that negative negative equity issue to deal with on the back end. So let's do this. Let's avoid car loans to begin with right first and foremost if you do have a loan, I'm. Not. Condemning you. What I want you to do is get frustrated and irritated at that loan pay that thing off and get your money back. You ever thought about that. You give yourself a raise when you get outta debt. So that's what I want you to do. I want you to get intentional and battle that but don't go get a car loan number two don't roll equity negative equity over into that loan and make a bigger issue. Okay. I had to clarify. I'm sitting in here with Anti Neil and anti you have been running gun and we all have been sitting still more than we ever have. We haven't been to an airport since eighty two I don't believe but you used to travel in and speaking just like I am and so we're sitting still but you've got something going on coming up here soon may yeah amarillo excitement I'm I've actually just partnered with a teachable which is a online platform where they teach young people how to young people just all people how to start a business. And so they're having their what now summit to where they're teaching young people not just young people in the twenties, thirties and forties, how to really run it online business and what to do with your finances that they're making right now. So some of the top speakers would be myself Gary v Lisa Nichols and Nicole, walters, and so I just wanted to just let the world know like, Hey, we're we're getting back out there to speak I would love to see our Dave Ramsey crew out there and for the next one day or two days offering. Only nine dollars for the whole Conference Man Oh three day conference. So they can go to teachable dot com for slash anthony and you'll get their price for nine bucks and I'm telling you right now between Gary v and Nicole is going to be a very entertaining but education day. I'm not going to be as entertaining as Gary. But will bring some substance in a table. Very cool. Well, again, you can check that out and we're here for you. So we want to hear from you triple eight, eight to five, five, two, two, five, we're GonNa go to the phone line. We're going to go to Sioux Falls South Dakota, Kate how are you? I'm doing good Christmas hurry is doing. Doing very very well, what's your question for? Anthony Yeah. It is a little bit more directed towards Anthony, sorry Chris. Site it has to do with my higher education I currently have degree in nursing I work as an ER nurse and I'm currently in Grad School for my Masters Nursing Education I WanNa be a professor and so I my question is in The NFL P loan. Faculty Loan Program the school that I go through I have opportunity to apply for it. They pay for my tuition for everything. So they pay for books and everything until my graduation day after my graduation date if I to cure a twelve time faculty position at any school of nursing within nine months of graduation each year that I'm employed at the full time faculty member, they forgive twenty percent of the loan, and then they do that for four years and on the fourth year they forget twenty five percents for A. Total of eighty, five percent, and so my question is if my husband and I so far we've been cashed blowing my graduate school for the last two years and we just found out about the program. But if we continue to put money away into a savings account or a money market account in the event that I can't secure a fulltime job is taking the nurse faculty loan something that you might advise potentially get like three thousand dollars of my school paid for or is that something that you might advise against? I'm never gonNA tell someone to get into debt as be as be clear there, and so I wanna I wanNA with that but there have been several instances that we've been receiving. And questions about this to where they are guaranteeing forgiveness and so anytime, you can get some form of assistance from your your employer. I'm all for them and so what what I like the fact that if you do go that route that you're still saving all the money. In this to side if it was me I'm asking you. If I pay for it cash I'm just glad and pay for it. Because I just don't trust a a what if situation? Okay. That's my thing. So. If it was me pay for the front and just just go from there. I would even ask the program like, Hey, if I pay for it up front and don't take out the loan, can you all pay me mic? That could be an option I mean I don't know if that's an option But if if I keep all the receipt shown pay for school instead of repaying Back Bank, can you pay me and my husband back? So that's something you should look into. Tell me I I'm rooting for you but whatever you go Katie, I mean, just make sure if you do look at route which I'm not a huge fan of it but I get it then yes I want you to put that money in a money market account. Let it sit there. So that way if something doesn't happen, you can immediately pay it off with no if ands or buts about it those forgiveness programs, these things I tell you can be a lot of hocus. I think I've seen ninety, six percent of them I end up falling through in some way well, Anthony also has an article on. The top five student loan mitts You can go to Anthony Oneal dot com and read this recent article that will walk through and student loan forgiveness as one of those that you'll have an opportunity to read on. But do me a favor I know a lot of you out there you say Chris I've either paid off UH student loans or I'm in the midst of it. Do me a favor talk to young people about this Let's help them avoid it like the plague to begin with s that way they have an opportunity to really look and understand their options We've got too many young people walk into financial aid offices, signing documents. They don't understand for payments. We know they can't afford, and what we can do is put an end to that by having open and honest conversations and sharing information like what's on Anthony's website. So again, that's Anthony ONEAL DOT COM. It would be a great way to help people become empowered. All right. Next up. WE'VE GOT SEAN IN PHOENIX ARIZONA SEAN. What can anthony than I do for you. Yes. Thank you I. Appreciate You. Let me be on the show. Sure. My friend was on your mind. Last year I made a big financial mistake. Oh I my I was trying to show faith in it. Daughter got twenty four year old daughter and she native car and so I co-signed. Car, for her. And she did not make the payment is now actually in Rehab, we'd have not realize the extent of the trouble she was in, but she's now in court ordered Rehab. And she hasn't been making her payments. Yeah. The the car repossessed last spring. Okay. Okay. It had a twenty thousand dollar loan on it. The thanks. So the car for eighty, five, hundred dollars. Which less than eleven? Thousand Five, hundred, dollar balance roughly. My daughter obviously is not going to pay it right and I'm a teacher with eleven, children and Besides some medical tales that we are making payments on the only that we have is our mortgage, but there's no way we can pay eleven thousand, five, hundred dollars, right the Bank of courses coming after me because I'm the cosigner and legally by all the money and they have offered a settlement of sixty percent which comes to just over seven thousand dollars. Did they put it eating? Sean. Well. Yeah. They well they. They haven't given me that in writing, but they've offered over the phone. I will not make a payment in writing. Okay. But seven thousand is still way out of our budget would want it in no less than how was it? How much I'm sorry to hear about your daughter health issues but how much was done aiming on this vehicle? The payment was three hundred and but my daughter was supposed to be making the payments I wasn't. All right. Listen we're about to go to break. Yeah. Won't you hang tight because we're gonNA talk about this because we got some parents out there that have fallen for this and once it's done, the milk is spilt. Now what you have to do, we're GONNA walk you through the process on right after the break. This is the Dave Ramsey show. Off. Hello everyone you are listening to the Dave Ramsey show before we went to break we were talking with Shawn and Shawn had called in and let us know that he had co signed for his daughter on vehicle. His daughter had some some health issues and he was now responsible in dealing with this the bank repossessed the vehicle, it it, and now they're trying to come after you for the eleven thousand five, hundred dollar difference. But Sean, you mentioned that they offered you some type of settlement for around six thousand is that correct? Well. Sixty percent settlement. Okay. Comes out to just over seven thousand dollars. Okay. Just over seven thousand. So pets you. Go ahead. Sorry what what I did I called him this morning just to see if if I could negotiate that and I just said. I just I asked. You know could could we offer you a thousand dollars in and the the people said no, we don't negotiate. So my question for you guys is. Better off. Making minimum payments better because if I make minimum payments, they're going to hope that that clear up until the phone eleven thousand, five hundred is paid off. OR DO I. Not. Do Anything and let it go to Collections and then deal with the collection agent. Okay. So let me ask you this. They will thank Sean. What is your household income? about seventy thousand dollars. Okay. All right and so you guys you set what other debts do you have? Our mortgage. Okay and so you qualified for their. So you told them, you should be able to pay this. Well. And I'm a teacher and we get We've also got eleven kids. Okay. So there's A. Kiss. There are other there are medical bills and the the were making payments on. Okay that are. And and for that matter, this daughter's medical bills she's been in the hospital quite a bit the past couple of months ago we don't know while those are going to be I understand how many of the eleven kids are living with you all. Right now, there's three of them three of okay. But they're they're still living at home. Okay. Yeah. either I want to hear your thoughts. Here's the deal you know number one this is a lesson John about co-signing because when you cosign what you're saying is it's you're guaranteeing that the loan is going to be paid your daughter did not qualify for this loan only way she got it was because you were on this loan So first and foremost you're need to go in and talk. To the bank and communicate with them in in in talking about what they're willing to do. If they will put that seven, thousand dollar, the number one, let's face it. It would have been better off for you all to sell this vehicle yourself as opposed to letting get repossessed you could. You could've sold it for a lot more right. They gave it away for about eighty five hundred. Now they're coming after you I would go in. Detail your situation to the bank about the other medical situations and all that's going on in the health. Issues with your daughter, get them to put that dollar amount and writing, and you got to start making payments on this thing. For you to say, well, I'll just wait and let it go to collections while now you've got the potential of adding some other legal issues on top of it. Well, technically right now, he's already in collections, and this is what I recommend. Especially me my very first job was in collision field, and I did it for three years. Right, now they're saying that they will not negotiate. Here's what I want you to sean don't make any payments shed I want you to get up at least three, four, thousand dollars most class agencies by this on cents on the dollar. The Best Time to negotiate with collection agencies is the last week of the month and you go to them say. No way thirty, five cents on a dollar about thirty, three, hundred dollars at eleven, thousand dollars and you wait to the last three businesses they will budge. They will bite at the end of the day you signed you. You told them hey, I will help pay this if my daughter cannot. So legally you have to do it immorally, you have to do it. This is not a convenient way. You can't push it on your daughter and I'm sorry did you make this decision but how you get out this right now is get up a bunch, get at least three to four thousand dollars and tell them hey, it's the best thing I can do as a cosigner offered offer that to them, and the very last week of this Alaska this month night guarantee you that help them out. Yeah. I to have been in collections and have done that the the reality is right now it sounds like to me it's still with the original bank so it Hasn't gone to a collection status yet it as far as your behind but they haven't sold it off I still think and again you're right and as far as coming to settle that thing, they're gonNA take money because the greedy bright. So having some money get saved up, it's going to be a big thing but I think you if you can't pay, you can at least pay attention and what I mean by that is having communication with them to help them to understand that hey, here's the deal I've got health issues and I'm GonNa take care of my kids health long before I worry about this. and. So here, the reality of you know as you as you start to way, this doesn't even become a factor when you're trying to keep your kids healthy and doing well but communicate talk with them laid out and I'm with Anthony, you get up some dollar amount and go in as long as you don't pay them until they tell you they're willing to accept this payment as payment in full. Yes. Right which means they're not coming back to see you. They're going to write you a letter that says that and then you can hand over the three to four grand or whatever it is if. People won't put the settlement offer in I'm telling you. It's not real. All right. So the moral of this don't cosign. Yeah. Okay. Don't cosign people will try to guilt you. They will try to family members will try to make you feel bad listen I won't cosign for myself to process. Okay. Bottom line is you're guaranteeing and what you end up doing a lot of people they don't think that hey, if they can't pay then I'm going to have to and that's exactly what happens and anti what gets me more riled up than situations like this as the think of the grandparents out there. That end up co-signing for junior or Jun yet, and they don't make a payment, and now they have to deal with their social security or whatever, and they're stuck with pigment Hogan ahead that come up about a few months ago a grandmother makes maybe about nine hundred dollars from his social security she has eight hundred credit score co-signed on her grandsons BMW. At twelve hundred, dollar payment brand new and. He couldn't make the payments and they called her and bank realized that there's no way in a world that she can do it. No No. So it's just It's predatory lending because there's no way on earth her making nine, hundred, a month she should've been co-signed on a twelve hundred dollar payment but you know what? They know what the banks are don't. To Cardozo doing lying on her income because a credit score was so strong they don't have to prove her income. Oh, so it was like these villages manages just misusing people interest. Anyway. That's just teach don't do dead and here's the deal limits. That's talk about this. If you're running behind on your payments typically by the time, you get three to four payments behind they pro- they are talking repossession. Yes. I want you to contact them I want you to outright try to sell the car the vehicle you're going to do a better job of selling it. You'RE GONNA, get more money than they are because once the bank or the car dealership repossesses it. Take to an auction, the auction is going to sell it to the highest bidder, and then the bank is going to turn around and come to you for the difference in this is what Sean is dealing with. So again, if you can't pay pay attention to it try to work it out. You're going to advocate for you much better. Than than than the bank will and so you have to have that mindset. This is stressful and we've got people right now in a position of this covert situation anthony that are happened to make some choices about what they can afford to pay. Yeah. You know, and here's the thing we already know what you need to be paying. Right ninety focused on four walls, Kalemie? Oh, hide America listen to me clearly you're gonNA focus on your house you can focusing transportation transportation is macy's gas and cars running makes you got food miss she got you lights on your utilities. So those are the four main things that you need to be focusing on right now, and then if you have those four walls covered during the season, then let's start looking they're paying. Your bills but right now, make sure you and your family are safe. But let's say for example, you do have your job you do have an income coming in and let's say you do have some sued along. That's your only debt out there right now we're alone have been pushed off to December go ahead and pay those. Okay. So have your priorities followed a process followed system and I promise you. You be okay and we're right here we're going to walk you through this process. This is the Dave Ramsey show. Everyone you are listening to the Ramsey show on. Chris Hogan and hosting along with this hour's Anthony O'Neill and we are excited to take your calls Kelly standing by ready for you to call her. So dial the phone triple eight eight to five, five to five. Again, that's Eight, eight, eight, eight, two, five, five, two, two, five we'd love to talk to you. All right. We're going to go to Tuscaloosa Alabama. Caleb. How can we help you? Hey. Stigma. Cal. I actually have a question that is your torch. Chris. All right I me and my life around babysit three. and. We started looking into the former one towns and that our jobs offer and they offer a Ralph door one. Fan Traditional One K. but they don't do any match they do profit. Okay. So when we get to Babysit so were, should we invest in the options that our company gives us since I don't have imagined? Should we go outside and just do our own thing? Okay. Great. Question, Caleb buddy I'm just curious how much debt did you all pay off? We kind of fifty seven, thousand dollars. Wow. Wow what was that? What kind of loan was? That's where that? Makes A. Real cards and. Cheap cars that the biggest believe it or not was jewelry me and my at the made for a great year. We took a vacation over to Mexico and I ended up financing jewelry of Mexico. Get her. I got her a fourteen here It was a fourteen carat gold Believe, the Lebanon share down and in the engagement ring reading writing and I got are matching hearings. Oh you you got her a vehicle. Hangar ears or Something wild. He said never again hey, buddy I understand that feeling but I always like to know because you sound really motivated. How old are you Caleb? I am thirty, three years I. Like this will listen my friend you when you said something are talking about the company's investment plan. You said they got the standard 401k and the got the Roth I immediately got goosebumps. Okay. Because you said, Roth Roth is my best for and so I love it because you're dealing with after tax dollars when you do the Roth 401k so that means the government isn't going to touch it anymore. It's all going to grow tax free. So Kayla I would go the Roth 401k option without a shadow of a doubt. Okay and you would stick with the even though they don't have them that. Yeah. Oh, without a doubt because here's the deal you've got that opportunity again to get yourself to fifteen percent and so that that's fine. Now you said they do some profit sharing. So mentally as you look at this, you could start to think profit sharing is a little bit of the match. You've just got revenue come into your right now. Okay. So you doing the fifteen percent, my friend is going to put you on a path to becoming an everyday millionaire be very intentional Kayla. Let me tell you this like you said never again about buying that jewelry there's nothing wrong with buying stuff for your spouse or significant other you just want to do with cash within reason no reason you know put a whole vehicle owner on on a hand but. Don't touch that money the money you're putting aside in that 401k it's not an emergency fund. It's not a home down payment. It's for your dreams and if I, could go back and grab a younger Hogan, I would shaking and make sure he knew that. So that's why I'm so passionate about making sure that you know. All right. Let's keep on the phones who got troy on the line troy, how can we help you? Hey. Are you guys today focusing not finished my friend? Great Hey. So my mother passed away about two weeks ago. And I'm set to inherit about three, hundred, thousand dollars. And it's in its invested in non-qualified annuities? And, an IRA and I'm just wondering if it would be wise to cash it out. and pay the taxes to pay off my house or should I spread it out over time to limit the tax? Dodger Troy I'm so sorry to hear about the loss of your mom how many brothers and sisters do you do you have? Chug added broiler okay okay, and so the three hundred thousand is what you stand to inherit. Yes okay, and how much do you owe on your home? about one hundred, sixty, five, thousand. Okay and do you owe on anything else? Now, we're get free other than the house that is fantastic So when you talk about cashing out, are you talking about catching it all out or catching out enough to pay off the home? High just the house. Okay. And that's a and then obviously the the I wouldn't. I got to figure out what to do with the other part of that. But yeah, just a cash enough cash out enough to pay off the house. Yeah. I absolutely think that's a great idea because again, you start to think about it and inheritance is something that was intentionally left to you right and I can think of no better way to honor your mother and your mother's memory. by owning your home outright and being able to make that statement. You know that that's something that she was able to do for you. people don't leave an inheritance by accident That's a very intentional act. Again, prayers go out to you and your family but also I'm GonNa tell you to do this Troy I want you to go to Daveramsey Dot Com and I want you to get connected with the smartvestor pro. And the reason why as as you're looking at this and as far as what you're inheriting, I want you to be able to understand the timeframe of what you could leave versus what does need to be cashed out or cleared or transferred within a year of the passing of individual that left it to you. Just you're looking at all the nuances If you ended up cashing in all out, you could pay off the home, but then you could also take the remaining dollar amount and start to it or you think of something some improvements you were thinking of doing around the home, but there's some options there may absolutely Dave Dave Hug and I said David the third time today I'm so sorry man. But you know I. Would you there Hogan that what he's doing? Cash it out honor his mother pay off the House and then definitely go to smartvestor pro dot com and see exactly how can you best invest the rest of this money to grow so that we build something for your kids down the Road Day and I typically will tell people if you come into a large sum of money the best thing to do is the park that money over into a money market account. Let it sit for a little bit because we can get so excited so. Just jittery that you can end up making a lot of smaller mistakes frittering away that money and you don't want to do that the gentleman I talk about my first book retire inspired he he inherited a home free and clear laugh. The next thing he did he started getting into day trading, and so he went and got alone for one hundred, fifty thousand dollars and took this free and clear home. He was a he was thirty five years old free and clear home had one hundred, fifty, thousand dollar mortgage on it and had lost all of that. Trying to date trait and I just remembered the look on his face because it wasn't about the money loss. Yeah. It was the blessing he squandered hugging. I've never heard you talk on day trading. What is your philosophy on day trading? It is stupid. Because what you're trying to do is time the market. So what you're doing is you're buying single stocks and you're looking at it and you're watching the ticker and you're trying to make moves based on what the market is doing, and I'm GonNa, tell you at least a headache and heartache instead it's what we talk about invest for the long haul k you want to invest in growth stock mutual funds, not single stocks stay away from those things you wanted to stay in growth stock mutual funds and allow it to grow over time. Yeah. Day trading is a no, no cool I give you. Oh I need some PEP DOJ. And I've just been talking about that with the millennials who follow me because that's very big in that millennial space right now day trading. Again. Managers may six hundred dollars that okay. Okay. Yeah. How much did you make? You know the recipe laws about three thousand. Yeah it's day trading a lot like fishing. People talk about you know what didn't happen or they exaggerate. Caught a eighty pound bass that's a lie. Okay. Never seen one but I mean. So it's that mindset of being intentional. But if you're out there and you're serious about investing or you're serious about moving forward, go over to my website Chris Hogan three sixty dot COM I've got a free investing guide that a really start to break down what all of these terms are in the investing world I think us, helping young people not so young people understand this more will help them kind. Of get more comfortable with the concept and it allows people to just say you know what this is what we're doing and why all right listen I want to thank all the callers for taking the time to call in. We appreciate you sharing with US I wanNA. Thank James Childs producer associate producer, Kelly Daniel, and I want to thank all of you offer listening and I definitely want to thank you anthony for hanging out with me this hour opportunity. Absolutely. This has been the Dave Ramsey show. and. This is james childs producer of the Dave Ramsey show on your smart speaker. You can add our skill by saying Alexa opened the Ramsey network skill from there you can listen to all our shows ask Dave. Money questions like how do I invest my money or what is the debt snowball find out more at Daveramsey Dot Com? Hey. If you've got questions about retirement investing of becoming an everyday millionaire, go bigger and broader with my man Chris Hogan on. The Chris. Hogan. Show I am excited to be able to talk to you all weekend and week out. We're GONNA focus on your calls and it's going to focus on building wealth investing and how to become an everyday millionaire subscribe to the Chris Hogan Show wherever you listen to podcasts hey, it's james producer of the Dave Ramsey show. This episode is over but check the episode notes for links, products and services you've heard about during this episode. Thanks for listening.

Chris Hogan Dave Ramsey Anthony Sean Anthony O'Neill Detroit Dave Dave Ramsey solutions INSTAGRAM Anthony Yeah America Caleb Tacoma Michigan
Should I Change Jobs to Live Rent-Free? (Hour 3)

The Dave Ramsey Show

40:23 min | 1 year ago

Should I Change Jobs to Live Rent-Free? (Hour 3)

"Live from the headquarters of Ramsey solutions broadcasting from the car rental studio. This is the Dave Ramsey show where America hangs out to have a conversation about your life and your money. My name is Anthony O'Neill Co hosting with with me today is the one and only Dr John Baloney and we're here taking your phone calls around life around money around pretty much anything these days and times I'm loving. This new direction Dave is leading down, and if you have a question about anything triple eight, eight to five, five, two, two, five, triple, eight, eight to five, five, two, two, five, us a call, and we would love to have a conversation. with you. Anthony. Breath. TERMI-. Button on your Anthony Yeah the call board is lit up, but before we go to calls. I gotta ask you something less. Ear Big into the social media's to the Youtube to the Internet's. A Massive social media presence and I'm learning how to do it right by following you. The other morning I it was today or yesterday. Yeah. This article popped up on my feed. That you put out there. In the title was paying student loans by becoming a sugar baby. Wow what would you do? In this article explores how some students are paying for their education. Anthony. O.. New. Are Come from the higher education space. I've never heard this I. Need you to be a professor to me I need to go to Grad. School for minute help me out what is way paying student loans by becoming a sugar baby what does it mean? You seriously never heard of this in college space. I did not know that kids were. Thinking that this is a good idea to peter student loans off. So ABC Road Article Okay. They wrote an article around the what would you do series at that on TV and it takes on the issue Of Mini College hopefuls and their families are grappling with. It's how how college and so what what I am seeing in this area. Is that older men are older people are going to younger people and saying Hey You know, will you be my date and they pay them for that date? I, don't know what happens you know. Privacy I just on this article is talking about how people are paying off their student loans because you have this big pandemic of nearly one point, eight, trillion dollars in student loan debt the average students graduating with thirty, five, thousand dollars in student loans and I think young people are starting to realize like, wow. I'm going to graduate one, hundred, thousand, two, hundred, thousand dollars in. Let me go on a date with a odor individual. And allow them to just you know, hey, hello have a good time with them and then come back home and get paid for it. It's it anthony this on looking. On the radio, you can't see my face. I'm just GONNA in Disbelief I'm in I'm in disbelief to if my daughter ever. If anyone who I love anyone who I know of anyone ever called into this show and said, they were sugar baby. I will have. Some words because I have a word for the guy, I have a have a word for that and is both male and female doing it all and so sugar baby simply means there's odor individual going down to the twenty twenty or whoever's in school and in pretty much given the money. Is. I just have to believe there's a other ways to student loans be other ways to go to college. Without getting involved in this madness and usually. I mean, we know that there's other ways but I think younger people are looking for quick ways out of it because of this debt issue, which is. which is crazy, which is to me what kind of morals to have. I what morals is is is a thing I understand be entrapped. have. Maybe it's morals. I WANNA. Go even deeper like. Have more respect for your heart have more respect for yourself gifts. Now in fair I WANNA. Make sure I'm being honest on the show when I when I did my research nothing illegal. or nothing that is I would say. This isn't prostitutes not okay. So. From what we know from Article? No. So so it's just simply going out to dinner having a conversation that's it from what this article is talking about, but still I'm not comfortable with it. My daughter is not doing at my son is not doing that my loved ones. Are Not doing that. I. Just I can't rock with because I don't I don't trust especially men. With. Yeah. There's there's a there's a a massive power imbalance there. Yes but the the broader conversation is that we've got to be having. Is that young people are feeling so trapped Yep. There you go. Young people are blindly making decisions with or without the guidance of their family and adults they trust in their life. And let's go deeper. Why are they doing? WHAT'S THE KORU? They don't WanNa be in debt MMA young people are nervous. They're scared. They're like Yo. What do I need to do I don't WanNa Graduate College and have all over me have the Mu Beckham with my mom and and had to drive this car I got a ride the bus and I can enjoy my life. What can I do with me I do what can I do and so the core root is like I do not want that. So what can I do now to avoid that and they don't even know the stress in issues that what they do today is going to impact their. Tomorrow Oh. My Gosh and and it's not safe. You don't know what you're walking into and so that is why I have my message on not just student loans period. Here's what you need to do to start a solid foundation. See you don't have to worry about graduate with allows you not to worry about not going after your dreams I want young people to go after their dreams and I want them to get it in them and you're not doing something that your integrity is questioned. You morally fill off safe. Yeah, A. Home you can't sleep. Could you let your disgusted about you know decisions that you've made an I've been disgusted. At a young age, not because I did something like this. But because I I wasn't who I was created to be You know and I'm like man like I felt disgusted having to prime examples be out on his what you being a collection agent and I'm over here begging you and harass you to give you and pay your bill when I'm trying to say anything with my stuff you know so I'm like we all if we have a solid foundation and go down to the core of the problem quarter problem is. Dead. And I don't WanNa be in debt. And I think these young people who are considering is. This because I don't want I don't want that issue I I don't want that. So, as a as a dad of a of a ten year old and a four year old. I need to hear this. The kids. Or? Making choices. To pay off their, debt? that. Because I'm not planning or because I'm putting a vision of success I'm putting a vision of prestige into their hearts and minds that is going to cost more money than than they've got we've got. And I need to do a job at a young age of instilling in them. The value of a dollar here's what a Free Community College looks like. Let's start saving money together. Let's come up with college dreams together. and. To those guys out there doing that something's wrong with you. There's something wrong with you grow up. Get some friends h gas bothers me sickness. This is the Dave Ramsey show. People all over the country are discovering a faith-based and budget friendly way of meeting healthcare costs through Christian healthcare ministries. Christian. Healthcare ministries, or C. H. APP is a nonprofit organization that helps members carry one another's birds with healthcare expenses, and they have successfully shared each other's medical bills for nearly forty years. CFC H is right for you by visiting C. H. Ministries. Dot Org C. H. M. is a proud sponsor of Dave Ramsey live events. Going out to the beautiful beautiful beautiful place. Of Canada, we're going to have a conversation with Alex outscored after note, how can dot to deny help? Guys Thank you so much for what you're doing. Here is the problem. So like a lot of folks covid turned my life upside down. I work in restaurants and I was like attacking my debt I owed thirty four, thousand brought down to twenty, twenty, five But now I'm out of a job and I'm finding myself in a bit of a catch twenty two. Because I live with. Relatives the next phase of reopening has indoor dining, which there's always chase bikes and stuff like that. So I can't really go back to work but being out of work is giving me some serious like depression and anxiety right I. Really I'm like, I should I font the whole milwall with like super low rent and risk of getting shut down again then I'm stuck with another whole stack of bills or should I just waited out deal with my mental health? What's your work in restaurants? I've done everything chef bartender manager. Anything. Really. So here's mining workers. Here's my question. Can you do something else? Are you stuck in the restaurant world. I've only ever done this since I was fourteen I'm thirty. Thirty three now, thirty three. So. I, want you to step back for a second and say everything we knew about how the world worked is different now. And this idea of it's just going to finally kind of make its way back to what was is is over it's gone. A key example that I got to have a ringside seat to was one of the large revenue drivers at Ramsey solutions was financial peace university. And when covert hit they got in a room and said, what do we do right now and they started taking one of their main revenue drivers and giving it away. The business changed overnight and it's just transition tried. So I'll tell you that to tell you this. I would consider strongly if you've got a good situation if the people in your home count on you. Then this may be the moment that you're going to have to go get a part time job. You're going to have to do different work on. That is something that you haven't done a long time. But that is GONNA be It's going to be what you need to do right now for your new situation moving forward. And it may come a time when going back to. The restaurant business, the place that you love the place that you know more more like the place it's comfortable that might come back around right now you to make some money. If you want to jump and get a hole in the wall man, go get a hole in the wall, but you nailed it your mental health, your value, your worth man we were made to work. Yeah. I want you to hang on the line and Kelly is going to give you a copy of our friend. Can Coleman's book proximity principle I at least once you go through. The philosophical and spiritual exercise of stepping back asking yourself not what have I done for US twenty years? What's comfortable to me? What do I know but what do I actually want to do? What do I have to do right now because the world's changed underneath me and how can I make both? My keep my family safe and take care of my bills and take care of tomorrow. In a whole new environment. Let it. Going out to Los Angeles California, we're going to have a conversation near with. Ken. Ken. Good afternoon. How can DOT EDU myself help? Yeah. I just. Had experienced. Suicide and have a hard time. Doing it. You just experienced telling about that. I. I heard some gunshots and ran out and. I saw Oh Man, our time talking about this honestly. Take. A time in ticket diggity breath. Anyway I I need just wanted some guidance on how to deal with. I understanding you know why you know suicide happens had a good friend of mine as well. Take his life and I. Just I know it's happening a lot in the nation. But just wanted to get kind of inside of. You Know How you do what? kind of stuff. I'll get to those questions. The I can hear the weight in the hurt in your voice. Did you. See Somebody or did you have to deal with the aftermath of Somme tickner life? You heard gunshots and you went outside? On. The first one there. And Okay. I song. They Act. So Those are offering I've never seen that. So it was really. Hard to get you know trying to get. My head wrapped around all out. So yeah. Number One. Thanks for calling. The call you may just now is a brave brave call. And I want to. Applaud isn't even the right thing I want to know that I hear you know with the appreciate that. number two I've responded personally to number those situations and so I've sat in your seat and I want you to know that the things you saw you're not supposed to see. We're not wired to see that stuff. We're not supposed to see that stuff. And it is devastating and it takes your heart out from underneath you and that's what you're sitting through right now. You've got to got to got to this isn't a think about this isn't a process you have to get somebody else around you right now you've got to get somebody to talk about him process what you saw when you saw it, how you're feeling and someone who's going to check in on you the next couple of days. Will you commit to me to do that? and IT'S NOT A. Moment cans not a moment to be tough. It's not a moment to sugarcoat. This is a moment you you've been through a trauma. Your First Responder you've sat in something that people aren't supposed to see. And you have to treat it with that level of. immediacy in that level of seriousness K.. Can't let me say this to me you ask to you ask a question that I remember when I was pastoring for about ten years of my life. That would be the first question. Why? Why did they do this? Why? And be honest with you can. I don't care who you are. No one has that answer. We can explain why WE CAN'T EXPLAIN WHY People die why God allows it to be people be killed we we don't know why some would want to take the. We can explain man. As a I, don't want you to carry that burden and keep asking yourself why why why why. Right now you sent love for that family. But your number one priority right now is yourself. Is Your spirit is your mind and this your health. Which is why you half to go and see a counselor? When you get off the phone. I want you to give Kelly, your name number and email address. I'm personally GONNA pay for your first hour. Because you need to go see someone not today. Like now. Because right now, what you're doing is you're absorbing all of this in you're asking yourself questions you're looking for answers and some of the things we just don't have answers to. And you need to be able to cry you need to be able to scream you need to be able to say what's on your mind In a safe place so that we can get you back to the day before yesterday. GotTa get you back there sooner. Than later. Well I'll tell you Let me let me add to that. Or. Let me let me alter that little bit. There is not going to be tomorrow Yeah K.. You hear me Kim. I'm here there's not going to be A. Return back to yesterday you saw what you saw you experience what you experience. And that's going to be a part of you. In overtime you'll make me of it over time it will become a part of you become a part of the choices you make the decision to make. But as Anthony said, this is a serious serious can get what you saw. What you experienced and I wanNA tell you. As a community member I'm glad that somebody like you had the courage to go outside and see what's going on yeah okay. Hang on the line kin we're grateful for you. And when we come back, we'll talk a little bit more broadly about suicide about. The epidemic of folks taking their life in this country. Thanks for calling. For S-. Him. No matter. What time of year it is focusing on your family's financial plan is always a smart move. I get questions all the time about where to start and what to do I getting term life insurance needs to be a top priority I recommend ten to twelve times, your income and lock in rates for fifteen or twenty years. This gives you plenty of time to get out of debt and bill. Wealth I've been recommending Zander Insurance for over twenty years they understand and live this strategy, and we'll take the time to help you find the most affordable term life rates, ZANDER DOT com, or call eight, hundred, three, five, six, forty, two, eighty, two. Last caller. Ken. Heard some gunshots in his house and he went outside and he was the first guy to show up and find that his neighbor taking his life and. Anthony and I want to not gloss over that trauma the experience that pain that he experienced and the importance of him to go sit with somebody immediately to talk through his situation. What he saw people are not supposed to see that. And then to begin the healing process, it's GonNa take weeks is going to take months and he's going to other people in his life an aunt Anthony Graciously reach out to support and financially to help them out which is just such a gift. He also said the caller can also mentioned he had a friend recently take his life, and if you look on the news if you read the Statistics The the suicide rate in this country is just on acceptable it's unacceptable. and. So Anthony mentioned something in that I. Think it's critical and it's right with someone around you takes their life. Every cell in the human body has one job, and that's it gets it tomorrow and the next day and get to the next day. It will often do things in the short term that will benefit you in a long-term goals to get to the next day. Right? That's why people smoke because it feels good right now slows things down from me right now even though it's GonNa kill me later. Your body will do what it needs to do right now to get through the day and so when someone takes their life, they are overriding every system they have. In. There are you will never know Anthony said this and I want everyone to hear this. You will never be able to fully get inside the heart and mind of somebody who takes her own life and wearing hats on yourself is unfair to you. That said there are extraordinary researchers like Dr Schneiderman like Dr Thomas Joiner. That that put out some of these ideas why would somebody get to that place? In there's things like hopelessness. There's things like belonging I don't belong anywhere. There are our ideas towards a perceived burdensome people are worse off because I'm here and then there's this idea of practicing actually had the ability I've got a gun available to me. I've got pills available to me. So here's a couple of things I want to pass along to folks. Here's a couple of myths, a couple of facts and I pull from my personal notes number one talking about suicide. Are, you gonNA hurt yourself does not increase the risk that they're gonNA do it. Often, people are so relieved that somebody finally solve them for who they are understood them for what they're going through and they just weep they just say yes. People who talk about killing themselves are often trying to express this pain that they're experiencing. Any sort of threat should be taken seriously my students, my friends, the folks I've worked with over the years they know do don't mess around with oems Cuban stuff not with Baloney. Dude. 'cause I will call your bluff one hundred percent of the time. So, often, people don't want to die. They're just exhausted and they're tired of hurting and they don't see another. Somebody mentioned a quote to me one time that suicides not the problem for somebody who's hurting that's the answer. and. So we've got back up and say who in our world doesn't belong who in our world is the margins who is hurting among us around us. If you are hurting if you are sitting in this Cogan mass if you're unemployed if you struggling if you're looking at your debts and you thinking. The people around me better off without me. I want you to call right now one, eight, hundred, two, seven, three, eight, two, five, five, as the national suicide hotline, one, eight, hundred, two, seven, three, eight, two, five, five. If, you know somebody in your life who's thinking about hurt himself call the number. If you're thinking about what I'm just would be better off not being called the number. I. Want You here tomorrow and the next day and the next day. Suicides hard. We gotTA start talking about it more and we gotta start talking about it more and we gotta start letting the people on the margins. Man. We're going to go out to Jackson Tennessee. Peaches. Peaches how we doing. We aren't doing fabulous. We're doing fabulous I'm glad you said something to that guy and directed them in a way to get some help I, know Mr. Ramsey and the team as a matter of fact, I'm retired police officer. In one for thirty, three years. So I know what PTSD and issues will. Your head and you've got. You've got to get some help. Thank you peaches. Thank you. Can we help you? Okay my thing is. I got friends that are running around here right now with this the. covid nineteen situation going on and they're not doing this and they're not doing that no free to in afraid to go there and I think this fabulous 'cause masks and social. Things is helping everybody to stay well. But. I in talking to them and listening to them. It is like a rubber band. I literally see that rubber band stretching, stretching, stretching, stretching, and stretching. What are they GONNA do? This kind next year maybe a little bit later on we have vaccine and things are getting back to normal that rubber band is GonNa. SNAP. They're going. I saw somebody saying that they couldn't wait to get back to Ross do some shopping they're going to this and signal debt. How do we keep our friends from running off into the digits That's a great question number one. Thanks for caring about your neighbors. That's so good. Thanks for hearing about your friends and be an astute enough to see that. Man People are not making wise decisions right now or they're getting nervous I love your knowledge that stretch stretch stretch, stretch stretch, Anthony what do you think you know I think the thing that we really just really think about here is that people are going to struggle you know a Lotta people have been comfortable. A lot of people are not really making wise decisions financially I agree peaches that we have to be safe You know when you're around a Lotta people wear a mask if you have symptoms stay home if you're out social distance as much as possible, but at the same time You. Still we still need the economy we we still need to work. We still need to make some money, and so I think right now while being safe about being wise, we also still need to be producing a making some income, and so I'm looking at, you know we have a lot of young people who are staying home right now and there a while they're social distancing what they're doing educating themselves like for an example, taking financial peace university and some people even leading financial peace university in helping people get ready for what happens after this pandemic hits, and so I love that peaches To answer you directly, I think that what you can do to help as you continue to be an ear you continue to. Live by example, continue to walk in the light and continue to serve serve serve. The best way to get out of our own heads is to get into the hearts and care of other people. In. This this crisis, this year is left. A lot of people feel scared about their money. All they know is that they never want to be in a situation again and they don't have any idea where to start right. You mentioned it when this thing snaps, what people are going to do. That's where you can come in a great way that people have served their local communities, their churches, their neighbors in partnership with Ramsey has been serve as A. Financial Peace Coordinator coordinators are everyday folks just like you who walk with people through their proven plan to don't get to look at that snap rubberband peaches put and helped put their life back together to save for emergencies build wealth. So they never have to worry about this stuff again, you don't have to be a money expert to be a coordinator we take all the teaching. You can even lead a virtual class if you don't want to get outside. Ingest for leading we'll give you free Ramsey plus membership for a whole year. Peaches is right. We need people in our community to step up and help, and we want to give you the best tools you can't help if you. If you are interested in leading NFP class, we would love to have you serve your neighbors. In this way. As coordinator, you can change somebody's life. You can show them the way to take control their money for good. No more fear. No more sleepless nights sorta learn more text to lead FPU two, three, three, seven, eight, nine, that's lead FPU two, three, three, seven, eight, nine. And when you lead FPU. America here this. You're saving someone's marriage. You're saving someone's life. You don't know what you do. But it might be a real but it's good buddies with this is the Dave Ramsey. Scripture in coked the day comes from Matthew Twenty one versus forty two. Jesus said to them. Have you never read in the scriptures the stone the builders rejected has become the cornerstone. The Lord has done this and it is marvelous in our eyes. David Brinkley says a successful man is one who can lay a firm foundation with the brakes. Others have thrown at him Ou alike that WHO. Some goodness. Yes. That will be on my instagram to night. All right. Let's go to blinds DOT COM question blinds dot com hundred percent satisfaction guarantee means even if you miss measure or picked the wrong color, it's it's like getting into my head Anthony, they'll remake your blinds for free. So if you are an idiot and screw it up, they'll come behind you and help clean it up blinds dot com you get free samples, free shipping, and with the new promos they run every month you'll save even more use Promo Code Ramsey to get the best deal rules and restrictions apply. So today's question comes from Anthony in New York. He visits Daveramsey DOT COM to ask here we go. I am twenty years old and live with my mother. She does not support me and I send myself to college I. Try to be a good son but I think she exploits me financially and cares only about herself. For example, I recently got a sum of money and she broke into my phone and check my bank account to see the amount. She borrowed seven hundred dollars from me to buy clothes even though I needed it for school I told her no, but she threatened to kick me out. I am deeply dismayed and cannot afford to move any advice. What say Anthony O'Neill, this is not an easy answer. Because I need a lot more details. I not loving fat if this is true. What mothers? So. Yeah. I want I think she's exploiting me financially. She stole seven hundred dollars from your bank account. Yeah. She borrow call it. What it is. She stole money from you when I'm having a conversation with mom listen his can't happen again and Maine and and it you have to be honest with yourself and just like, Hey, I need to find somewhere else ago. Bottom line. And because you can't say there if if it continues to happen because that's going to bring on stress in more issues or would you can do is try and figure out how can you lock up your money somewhere else where your Mama can't get access to it. Because I don't see how. This is why I need more information. How did you get the money through your phone? They'll look like she got on there just checked his account and then she somehow connected to account. In Anthony, writes this she does not support me period. Yeah. That's an inaccurate statement anthony she pays your rent you live with her, and so she is supporting you and as Anthony O'Neill just said, you're twenty year old man. It stinks this is you've got to make a plan to get out when your mom will steal from you. Even when you say, Hey, mom, this is for my education. This is for my future. When she says I'm GonNa Steal from you you've got to make your next step plans and so like Anthony says you got to lock up your phone you gotTa Change Your Accounts you've got to make a radical plan to move into somewhere else wreck safe the next six to twelve months you need to be out the House Today. You need to be planning what? The next six twelve months exit strategy looks like bottom line. It sounds like you're an unhealthy situation. you don't WanNa jump move out today you need to make a plan. And Bounce. And you got to protect. You gotta protect your money got to. But as long as you're living in somebody else's house, she can charge you rent. She can feel like she's got ownership over US right? Wrong or indifferent. We can argue that all day long the reality is you're living on her dime living in her home. She doesn't have a right to break into your account steal from you but man. Man. Sorry to hear that man, but it's going to be next six, twelve months. You'll be better. Going to Austin, Texas we're GONNA take the last caller day conversation with Aaron good afternoon. How can dot to deny help Guys, thanks for taking my call So my wife and I are trying to some and it looks like we're on track to pay it off in about three and a half years. And what we want to do is move up and House to House House and possibly by about twenty acres and I was wondering if he would be all right to take out a home equity loan wants the House is paid off to put towards our new house wants the house is complete ready to move into that we sell the house that we're living in. And pay it off right away. No. I was just thinking Erin. Know Ma. I thought my head was no but I'm GONNA. Let Anthony Answer it in a little more dignified respectable way. It's just like I was about to. The dead I mean as dead air. So why would you pay often to go back into debt? You know I get it that it's it's on your house and it's a it is an appreciating asset. But why would you want to borrow against your home? You know and and everyone says, Hey, I'm get it and then as soon as they get back in the house paid off, we here's the truth that a fact, nine times out of ten. You're not because you get comfortable you don't get into the house something's. GonNa. Come up there's no pressure to pay that off. You'RE GONNA make the minimum payments. And you'RE GONNA put all of your money into the house. No. If you pay off the house, this is what I recommend. You do now do you do you want to keep it in rent that house out since it's paid off or do you want to sell it and use that equity to go towards New House? What what? What's your goal there? We're wanting to sell it to move into the new house. Yes. So and yeah what did you do that right now here like wh why wouldn't you do that? Why wouldn't you just do that today? Because I wanted to get the house paid off I and have that that cash on hand. I don't I don't Wanna I don't WanNa have to start over again because we've been paying on this house there about two and a half years already, and so we're just throwing everything at it. Trying to get it paid off and we WANNA Kinda save a little bit of money after it's paid off her back year to kind of help cover all that you know if there's additional cost with the new. House. I don't fully understand. Let me. Let. Me Ask you another question because I'm not getting the math here. You know two years more on your home. Let's say. And you WANNA pay it off so that you can turn around and sell it. So that, you can then put that as a down payment on your future twenty acres there in the hill country is that what you're saying? Yeah so Why are you not just skipping the middleman sell the house right now and put that money down on your twenty acres in the hill country. I guess it's just comforting thing. I've got the house paid off because we're not quite ready to move up yet and so I guess just once we got money. You know the the new house on the try to make it to weren't an equal you know. How much is the house where Nick Widow? How much is that? Now it's right now it's just south of two hundred Thomas He Owen. we L. About one sixty. Okay. So you forty thousand dollars equity and you saying with the next two to three years, she can have the paid off woods. One sixty, right But but do know eventually you want to upgrade. Your option is is what you WanNa do you WANNA do another option is she can sell the house now? Okay. So the house now and some paying one sixty house. Just going ahead and save that and put it into an account. Because, the equity difference between now and two years from now maybe five, five, six, seven, thousand dollars maybe depending on how you know Austin is doing right now. Austin Texas I don't know if that's what I don't know if that's. Good enough to stay. So if you're not ready to go down, maybe could sell the house now get equity out of the house. Now, go rent something maybe a little bit cheaper and you have enough room for your family. But now you're paying me going down a little bit Lord was going out a month and you can save all this money to put down two wars, your new house, and the next three before years and a lot of people do. That and to be honest with you Aaron even considering doing that because I want my dream home and so I'm considering selling my house now and so this way when I sell it, I can on equity I'm GonNa go down in house. It's just me and my dog and I'm trying to go cheap if I do that. So that way in the next two years three years I can go bill my dream home and put down a large large large large. Amount down on the House that that we believe which is going to be much more than twenty percent goal of sixty percent of the house and pay off the house within three to five years. So that's what I would definitely recommend. Hey before we go anthony I want to check in with one second talking about some heavy stuff that makes you your heart's clear. You feel good. I'm good brother. All right man. That was good. I like you. Think are produced. James chows and filling in for associate may not feel the in and Kelly Daniel our associate producer. y'All this has been a great day. Thank you all so much for children with me and. This is the Dave Ramsey show. This is james childs producer of the Dave Ramsey show. Once again, you made the Dave Ramsey show one of the top four most popular podcast last year. To, get your daily dose of motivation and inspiration from the Ramsey network subscribe or follow today wherever you listen to podcasts. Hey. Have you got questions about retirement investing becoming an everyday millionaire go bigger and broader with my man Chris. Hogan. On the Chris Hogan shout I am excited to be able to talk you all weekend and week out. We're GONNA focus on your calls and it's going to focus on building wealth investing and how to become an everyday millionaire subscribe to the Chris Hogan Show wherever you listen to podcasts. Producer of the Dave Ramsey show, this episode is over but check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.

Anthony Dave Ramsey Ramsey solutions Kelly Daniel New House Anthony O'Neill Co US America Ken Austin Youtube WanNa Graduate College professor Anthony O'Neill Chris Hogan Dr John Baloney Aaron Los Angeles California
Part3:Ron Moquett, Bob Baffert, Doug Oneill

Thoroughbred Racing Radio Network

57:40 min | 1 year ago

Part3:Ron Moquett, Bob Baffert, Doug Oneill

"Sirius Xm ports presents at the races with Steve. Raising handicapping interviews. This is Steve. We're back our three and run MOKHBAT standing by and apologized Iran. We thought we'd be with him about a twenty five minutes ago. But it's been a a hectic morning. Ron Joins US after Saturday and the opportunity for Whitmore who you know people say the horses. They'll stay around to develop a fan base. Well he's got a fan base and certainly at at oaklawn where he was going to attempt to win his fourth straight. Hot Spring Steak He's a favorite and still had to go out and do it and it was a good. Groom some certainly some horses that on paper looked preferable from anti capping standpoint but when he when he split horses and came running it it made it very apparent that Ron Woke and the team. We're not going to be denied on Saturday. A fourth straight hot springs Ron Amazing. Congratulations thank you very much. We're we're very very proud of him. How can you not be a how I mean? Obviously you're you'RE GONNA go to win any opportunity but as a horse gets older like this. You're also watching for signs that you know that. He's lost the step and talk about the expectations coming toward the year. And you know getting getting him ready. I mean there's obviously bigger assignments even yet to come but this was a pretty unique opportunity. I think the second and third horses Toys wise in the in the race where yearlings the year that he wanted the first time so we were you know very proud to have him running at the at the level and we're thankful for you know all the all the people that work on then you know. They're working to try to try to make sure he's ready to perform when he does it. And in terms of that I mean how how comfortable etcetera. Ah Coming in that that. He's the same horse. I mean you're essentially you know working with the same animal. I mean scientifically whereas the same track during the same type of breezes on the same type of timing and You know we got a lot of stuff to compare against and We see we see a horse. That's happy and and Lurking and and liking. What he does and and those are all the same things we saw in. Since the first year he wanted it. It's amazing I you know. When it came to the trip itself and the way the race was unfolding. What were your thoughts because There was a couple of anxious moments around the eighth. Paul Yeah I I had confidence that that W- it was ready to run and ready to perform well. I know that racing luck has a lot to do with it and you know we were very happy with our jockey and confidence that he has in or so I I know with more kind of a bully and and if someone tries to penny man he doesn't He doesn't easily let that stop so whenever I knew that he was a little little tight and I kind of had some confidence that he would get away out Well he did and you know there was that little bump and I thought. Oh boy at I you know. I thought he did he. Yeah but no. It wasn't I don't even think anybody was looking at it. Yeah I was just watching him And notice that they did come together. I I knew that That usually a horse. That Bob with with that little macho muscle bound fellas GonNa take the wrong into that so I I wanted to make sure everybody was safe in town. Then I went to ride and ride the ride. He did to the wire. I you know I. It's been such a fun trip Ron. And we've talked about him. I mean this is nuts. Actually if you think about it it's it's five full years of of conversations to talk about what we you know. We started the program here. Hot Springs At at OAKLAWN. Trying to get to the Arkansas Derby and we did that. And then we We we decided to revert back to sprinting. And and that's paid off the the the main thing about going short was we knew that it was easier on him. We thought that he's proved himself as a graded stakes caliber hort going around ground. But we knew that sprinting is easier audience so that the the reason for the decision and he also happens to be good at it so You know with spinners get the last a little longer. It seems like where I'm from and We're we couldn't be more happy with that today. Amazing and he is one of four buyer Which you know you talk about you. Mentioning the ability to judge his performance level particularly at the same venues as the year goes on Churchill and an oaklawn principally and a one zero four puts him in range essentially with his best racism. And you've got to one zero five in this last year. He got a one. Oh four when second in the Breeder's cup sprint at Churchill two years ago and At one zero five again in the Breeder's cup sprint. This year. I mean it's it's amazing. A seven year. Old gelding perfectly Pleasantly perfect the sun out of the Scott that he mayor and it come back around again and and You Know How's he? He's running keeneland a few times right. He's he's he's been okay at Keeneland in your favorite places is okay running keeneland. Nice start worked out well for a hopefully the right and God on our side But it works out well for us for what we WANNA do. Is WE WANNA win the cow plate and we want to win the we want to win the sprint. That's that's our two goals every year when we have a sprinter so You know I couldn't be happier at the location of those races. Well we we can see the way all you gotTa do is look at the last couple of seasons for Whitmore to figure out you know how his his season is going to is going to continue on and You know the next opportunity. Of course assuming you're going to run them on the same schedule are you gonNA come back in the in the Catholic ultimately? Whitmore gets to tell us what we do. But of course our owners my partners and The Barn would all love to to try to win that Third Count Fleet. And if if everything's right in the world will definitely be there on Arkansas. There'd be to try to do that well and if not the you can you can basically wait. What another three four weeks. And you've three weeks then you've got the Churchill downs. Yeah there's there's some good rates is out there with some nice money For people that have a good horse. So we're GONNA try to make sure that our interest is ready now. Ron and you mentioned the owners. Let's let's talk about the evolution of of how that you know the the way that ownership kept morphing over the years and how much fun. Everybody's gotta be happened. Yeah it's it's a great group they You know originally it was it was me and then it was me putting him into southern springs and then Mister Lapente who always Jumps in and I got a good horse In the barn got in with A Arkansas Native Harry Rosenbaum Harry Decided he wanted to take a little money off the table and sold his part to salt on the boys and And solve spin around with us for the rest. The ride I think the last two point two million so It's it's evolved a little bit Common thing is we've had the same. Groom the same Gallup person and you know for most positive you know the same fans that follow him from start to finish well. And that's the best part that that's the amazing part too because so many people get frustrated with you know the top three year olds that go off the side and and you don't get a chance to keep rooting along. Here's a horse that undoubtedly isn't people latched onto early in his career and they've gotten to enjoy him for another three and a half years and they'll be able to enjoy the rest of this year to and as long as you say sound and healthy dry you know we. We've made the decision that was better for the horse and galloping early on and we do think that that is attributed them staying around as long as he has You know I haven't said that doesn't mean people hasn't skill contacted me about reading right from time to be a non astute person will call and ask if I may residents right. I've decided from now on that. If they do that I will entertain an offer somewhere along somewhere along the way right Ron I'm looking forward. I'll be coming there for the HVAC convention in addition to Arkansas. Derby Week What are you got lined up over the next couple of weeks? I mean the season goes of course the season goes all the way to Derby Day now. we talked about that last year as it as it evolved. But what do you got to look forward to got up toward the festival? We've got a good barn from the forces We've got some maidens about to break start running. And we've got some horses that are waiting for their conditions to to come back around. So we're We're happy with the with the the roster we got coming up. This is the fun part of the year to be in hot springs. The weather starting to come out of direction if anybody if anybody here. During December and winter they get they get rewarded. You know the last two months so It's GonNa be fun. It could be getting back on having a good time and you're watching racist no doubt no doubt. Ronnie this was This was a lot of fun to watch. And you know we as soon as the PCP's came out You know we kept saying. It's a great opportunity but he had a couple of horses that he absolutely had to you know had to be including share the upside and Mr Yeager Meister and he he was up to the task. He continues to after the task so well done. Thank you WANNA give credit to to my wife. Laura Grad of the the The girl that's working and he's not easy to work anybody that's at the race track knows and and the grim east as hard headed guy deserves a lot a lot of attention and and gets it so. I really WANNA thank everybody that That that works their tail off on him. And it's it's rabbin rewarded. You look at the record. Thirty THREE STARTS. Thirteen wins and other. Ten seconds and three thirds. He's never been off the board at Oaklawn Park House that's where he lives I love it and you know what I just noticed. He's only ever been off the board once at six furlongs a weird deal but I'm proud of the job he's been on. You should be Ron quite as always a pleasure. And I'm looking forward to seeing. Let me think it's the next? We'll see you the end of next year. I'll see you the I don't know I'm I'm leaving. Let's say I leave on Friday so I'll see you in two weeks what you're GonNa Miss Day. But you'll just stay close to social media where we're given credit to to An old warrior. That's that's been kind of an ambassador for for Oakland and there is an Hda together. Give him a gay that Brown nice off the tractor breads and all the good that he's done in the sport so much fifteenth that shameless plug. But I'm throwing it out there. We're proud of candy. We're proud of Of of the horsemanship that has been shown with that horse racing career to his owner. And kind of doing the right thing to keep him happy and and being a perfect ambassador at a time that we need it for. Our sport serves well that that does. That's a that's a nice. That's a very nice gesture so Sunday. Fifty that's twenty third anniversary of his first day that he wanted Oakland and bill on the track every day doing his job making people smile show on people. What happens when you buy regular absolutely Ronald quite everybody? You can follow run. In fact we had John Sadler earlier. John is very similar to Ron. He's got a John Sadler. He's got a sadler racing. You know the the barn twitter and then he's also got the personal twitter. John W south same thing with Ron. You got the the Ron Mo- feed and you got the Mo- quit racing feet so take your choice. Use them both. They're they're both different on absolutely absolutely roddy. Thank you buddy. Thanks for having me. Not at all great great great job. Unbelievable Whitmore four straight hot springs wins and the somebody sent me we. We got a few of those We got a few of those people that The horses that accomplished you for and and and more straight wins and stakes boy. There's nothing that says he won't be able to come back for a fifth. Try either. All right we'll take a break and come back and nothing has happened on that The at the southern district. The New York They they've got a feed. They've got a video feed. Thank Pablo Morales. Sent me the the fee to their facebook page side. Who knew they even knew? They had a facebook page. And it says they'll be the press conference but it's just right now it's just a just a stage with with a podium so keep an eye on it see what happens just case. He's got an up on screen to all right. We'll break Doug O'Neill will join us. Probably about what to call it. Call it eleven forty five eastern and talk about the win and the experience they've the Barnes enjoyed in Dubai still opportunities with just what a one two three two weeks the two or three weeks. Today's the night so three weeks to World Cup night. Duggal send out a few back after this though. Its ASPIRATIONS WITH STEVE. Own Sirius. Xm radio develop horsemen worst bills. Dot Com is a cost effective time to the environment friendly paperless revolution of how equine industries bill and receive payments vendors able to generate electronic invoices for each horse whose owners can pay through the same website with just one. Click say Goodbye Tax if invoices handwritten checks postage costs easy accounting for all parties with the highest online security measures get started free at horse. Bills DOT COM simply registered with your name and email address redesign up no subscription piece to vendors until the first invoices sent runners. You get a free account. Comprehensive Dashboard with information on all horses own billing records. Ach and credit card payment options for vendors generate invoices efficiently and receive payments quickly from boat owners and other vendors syndicate and partnership managers get flexible billion payment options to both genders and syndicate members for more INFO. Call eight eight eight nine. Three eight forty six forty three eight nine three eight forty six forty three or log onto a horse bills dot com. That's Horse Dot. Com get started in Kentucky eight million dollars in additional person. Money is available at the five Kentucky tracks for horses eligible for the Kentucky Thoroughbred Development Fund Kentucky is a good place to raise your Kentucky bred. Come home to Kentucky and Make Start D. R. F. Sports for Digital Edition your ultimate weekly. Bending Guide published by daily racing. Form Derives sports for him delivers all the analysis and insight you need for every NFL game and more than forty college. Football matchups beat the spread with powerful trends and sharp angle saw betts expert picks winners and more all his four ninety nine per issue. This week's edition free visit the Earth Dot com slash sports for enter code R. F. Sports University of Arizona race. Track Industry Program. Prepare you for an exciting career in racing. Turn your passion into a paycheck. Nearly ninety percent of our students are employed in the racing industry and mmediately upon graduation. What career track are you on the University of Arizona Race Track Industry Program Role Today and get on track for success scholarship opportunities and more check out website? You ate at Jar T. V. Dot Org. Why is accreditation important? Aftercare thoroughbred aftercare alliances standard of accreditation and GRANDPA's provide donors with confidence that their contributions are allocated in the most effective manner. Da Accreditation is only awarded after a complete review of an organization after care cannot be an afterthought for the industry to learn more or support. The mission visit therabreath aftercare dot Org Frenchman Ranger about the receive on John. Boehner Corn Nicotine and the temptation of Eve no with Steve on Sirius. Xm parking by the suicide. Raise up a spouse but I don't care at all. Hang out hang families shattered through the nobody knows what it's all about the Matz man let it all hang out man walking upside down. Tv's on the leg. Maybe Galileo scallops are about Mitt. Hang sleep grab allnight gainst now and they have started that press conference but the the feet is is really choppy. I have put. I tried the the close captioning but it doesn't really matter because when the when it stops you then jumps forward so I think we'll just We'll just we'll let the let the reporting and maybe actually I do see on there I do see on their facebook website. video they'll have they'll have the video later and you'll be able to probably watch it and and I'M GONNA assume it'll maybe it'll be maybe it'll be better as a as a video Then trying to do this live They've got They've got extensive Visual AIDS and they're showing what feels like it's almost not. I think you're better off to be honest. You might be better off going through the The written indictment which is easily a the links all over the place That'll help you understand what they're suggesting. transpired in terms of the mechanics. And I read that one paragraph earlier and You know the the scheme and the schemes to execute essentially And it's it I mean it's it'll be it'll be fascinating reading and We'll get we'll get everybody Tomorrow I suppose to help You know decipher what is involved. Meanwhile let's get back we've got Visits coming up with Doug O'Neill in about fifteen minutes and right now by Baffler joins US Bob. Good Morning. Good morning couple of thing. Then it's been it's been a crazy morning man. You think I will my phone. I got up to this point pleasant I go. I couldn't believe what I was seen and this is just horrible horrible. It's it's an. I wish I was GONNA be. We'd be willing to run the audio but The thing is it keeps stopping and starting. But everybody's GonNa read this indictment and we'll know more specifics You know that As the day goes forward but You know I it's it's GonNa be. I imagine that you know well received I in in most quarters about You know the opportunity to make a clear statement about no longer tolerating and and doing everything possible to root out the cheating I mean it. It's maddening to everybody from other horsemen to owners the betting public. It's that seems to be the initial reaction Bob. Now it's up to me. I've always I'm a little bit eat sometimes and I always thought well you know maybe maybe not but it just. It's frustrating when you hear this. You know we're dealing with enough as it is with Sandy. You know with all the bathroom listening now. This and and people that the normal reader. It's going to read this. No what what the Hell's going on over there you know but You know we gotta clean it up and It's it's it's it's something that it's really I mean. I think I feel like everybody else. I just feel like titanic. You'd be iceberg here you know. And so That's pretty heavy stuff. Well we'll let this let let let's talk about comedy talk about Banning Him all right. Let's let's start there and then we'll talk about the philly too because she was really exciting earlier in the car about an hour earlier but I thought I thought the authentic performance was was absolutely terrific and I thought you got some learning about thousand words. Talk about your thoughts going in and then how you feel coming out thousand words I was. I felt pretty good about him going in and he he can be a little bit of a headstrong kind. Of course then he just was you know he was. I was talking to Pratt afterwards. He was writing the bed early. And you doesn't do that. Usually falls away from there and you know they off the bit and he can just gotTa push them along but he was Horse of really strong headstrong. And when he even when he works like that he doesn't finish he was just too too sharp just too strong early and he gassed. It wasn't him you know I really thought I was going to run one to there and so you know that's why we have these preps you're trying to figure them out. You want to think about before. The last bit is the last one that they can't be any any Mistakes you know so Came out of it. Well so we'll just have to Do tweak them equipment. Maybe maybe no blinker or less blinker and train them differently. You know he's he's a quirky worth but he's he's still a good horse and panic. I mean that horse galloped horses just so special you know. I was hoping he would. He works like that in the mornings. He just cruises around there. He's live on the speed just floats and always moves like a Gazelle and And I I couldn't have been happier with him because that was a tough. That was tough threat. There was good horses in there. And of course JON SHERIFF'S. He's a really good horse coming off a off right there so you know I was just. I was happy but disappointed in vows worth and I know he's so much better than that the workout but preceding for for thousand words. Because we talked about it a few different times this week and it seemed like you were you. Were trying to get him on edge a little bit and put a little bit of speed into him and then when I thought after the race when you said what you said okay he he's GonNa WanNa just Kinda go with his one pace and let him. Do you know what had what he'd been successful with you. Know in in the to stake wins. Yeah he was. You know we just like I said we're now we know what he wants to do. And that's what we're trying to find out about your horses. You know exactly what they WANNA do. Unfortunately point given we found out after the Derby. WanNa triple sound that that happened. You know and so So you're trying to you know but if you can just like anything as a coach you know you said well. I'll never run that play again. You know and I won't you know you got a tweak you got to tweak it and so we've got You know but one thing that came back or healthy and that's never one thing so we'll We got that going for you. Mentioned also urges say afterward that your inclination is that have authentic stay at home point back for the Santa Anita Derby Does that mean thousand. Words might go out of town. You know what I'm really not sure we were thinking. I'll know it two weeks I'll know to until I work him back. I like to decide when I'm GONNA do with them but I just wanted to see how they come back. How they work back. And all that so understood The let's talk about the Philly then we'll talk about what lies ahead A lot of excitement about gamine making her debut and then I know people are saying Oh. She beat three horses. Well I I okay She couldn't have looked any more impressive the way she performed. Yeah I wish I could have gotten into over trying to get her in jail. Everybody knew about her you know with XP TV now everybody sees everything so Yeah I mean we were short of horses of me. You know I can tell you who going into every allow you know just. There's no secrets out here but She you know she just told us. Let go around there. Don't let her do you know do too much giving race into her. So finally we got a raise and she's got A. She's got a good bottom to her so she was ready for something like that. So I haven't really Thought of anything yet. I haven't ruled out the oaks or talk to five just right now. I will let her. You know what I mean. You know. I'M NOT GONNA get into rush with her so we'll just we'll just see She'll she'll tell me what you want to do. Well she she absolutely looks the part. She was Top dollar two year old purchase and You know there's a lot the plenty of opportunities as the you know as the year progresses Let me also ask you about a couple of other performances on the day because I you know behind flagstaff. We talk to John Service. John a service but John Sadler earlier Bob and we mentioned the flagstaff win. Roadster was grinding away and ran a a sneaky. Good race in that Saint Carlos. Yeah we're the pace wasn't as fast as we thought. Oh be a little bit fat. And He's good. He's a good horse. I mean he that's his that's his you know he's he's he's tough to beat this look great but at least he showed up. I mean I the way he ran and the way that big cab I. I wish I would've just plan was happening in the big cat buddy. He ran that horrible race. The time before So I've been you know. I wish I had a big cat but At least he he showed up. I think he's Kinda horse. Maybe going one turned. Maybe like Belmont type races might like something like that. I'm not sure but at least you know. I was so disappointed time before because I know he's so he's a very talented horse and you'll get better with age but he's he's slowly getting there he's been a project but he's It was very positive. At least you got a positive rate a before. We talk about The doll and and so forth in Charlotte ended Cetera LemMe visit from last week The tries in the desert and Your your feelings about Mutual Gustavo and and an update on McKinsey Candy. He he just you know what he didn't pick it up. You never know way there. And he got behind there he just never just ran and just he did that in the Breeders Cup and Churchill. When you're just never got involved in never that was in you know and so So it was a came back. Let's tired nothing just. I didn't so I didn't want to take him to do by Alpha at that effort like that so So he's back in He's in Chicago right now. You'll be there for a week. And then he flies back home and quarantine and I'll just get him ready for something here in You know I don't think it knocked him out any so he didn't run. You know he might show up somewhere in. May Era Kentucky or something. I don't know and Muccio Muccio. Muccio is really improving he. He's a tough foresee handle everything really well. Pretty when he turned for home I read got a little erratic saw he was. I mean he knew he had to beat maximum security and he was you know he was. He was doing as much rates rising impossible but that stretches so long and the track was drying out 'cause win they don't water it at night. It's it's wonderful service. It's one of the best service been on but it was drying out in the windfall. Get little deep at the end there but Turning for home you know. I wish we mom part we would would I mean for? I thought I'll be a sound begun. You know like In the maximum you could tell he was Dr also early you know but The way he won was maximum was just so impressive. You know ducking down still getting up to win so but it was. It was frustrating that I would like to run at least at least But it was from Mackenzie not showing up. It was like it was one of those things where I couldn't wait to get to the airport aside from that. Let's get updates on the Dow one and I know Charlatan just worked as well. They Dow seems Absolutely on target for next week or this week in the rebel and Bob that that workout that was published seven furlongs But was really like a mile and a sixteenth. He worked. I mean you know. He's a big strong horse. He's heavy horse and so this is very demanding but When he came back work yesterday. Look you look good. He worked three quarters yesterday and five eighths. I think whatever but you know he's a he's you know I do turns That's the big question you know. You never know until they do right now. I you know I feel like you can do it so but until they do it. We'll know when they turned for home but he's doing really well big beautiful strong powerful horse. So I'm looking forward to that and how about Charlatan Shelton I'm not gonNA rush with him. You know he ran the big race and So he's We just have him. The I'm letting him come around on his own. So there's no big rush. Eight eight rings. He just work today. He works fantastic today. He's really coming back really quick. So probably look for some for him but probably don't actually and and just looking at the schedule. Sunland sons in two weeks High-velocity may be or what about The winner the winner from San Francisco Yeah I've got I've got those. Yeah their nominee everywhere. So we're so I'll know next week everything although next week. I'm just waiting to see how they work. And so on meantime. You're clicking along good Authentic remains undefeated. Thousand words comes back fine and Works toward the next and any other thoughts about Saturday. I thought overall it was really fun to watch. It seemed like there was some real energy at Santa Anita and maybe maybe the pendulum swinging back in the right direction. Well I told my wife is if I hadn't won any races on Saturday and people ask for his Bob. I was GONNA have already using quarantine with the virus. You won't see you still felt fine so a good day and the handle was strong. It was it looked really looked Yeah I mean you know where everything went well California. They're working hard to try to. You know it's tough. You're in California but at the same day it's so beautiful. It was a beautiful day in this thing about ten. Just is the most wonderful race track in In America just hoping that we just gotTa we just gotTa make it work. Everybody Doing doing what they can to make it work and Bob -gratulations and we'll We'll watch. We'll look forward to rebel week next week. And this coming weekend see where everybody goes in there and their next sets of assignments all right. Well thank you. Not at all Bob Baffert everybody and an update on all the players and it. It's a boy. Those that the bet charlatan. I I don't know why I said earlier this morning. If you'd how do you you bet a horse like that? And your and your future wager. At least they dowell has got you know. At least he's got a couple of a couple of races under his belt. That to go forward and you know that he's pointing and getting ready for you know for the next the next level with the rebel coming up on Saturday but authentic Shar. So it's authentic charlatan. Nee Dow eight the also mentioned eight rings who I I keep forgetting about. I kind of shutting him off to the side a little bit After he kind of fish tailed at the end of the year but Authentic Charlotte's in NATO now eight rings thousand words ballooned to thirty after the. That's interesting after the I yesterday I looked up. It was six thirty five and I thought. Oh my God I had completely forgotten to to look at the board you know leading up to the end of the The end of wagering on the Future Wager but one two three four. It looks like seven seven of them to deal with Zoro. Sty Velocity eight rings thousand words and the Dow Charlatan and authentic a total of of the seven boys. And it didn't sound like there's any rush on Gamine Coming right back either But that's that's we've gotten used to With him just saying he'll see how they work and and let them you know. Tell him where they're where they're going. We'll take well we'RE GONNA GET. We're GONNA get a short Yup case. I see case Writing back now and Okay all right. Well then let's take all right take a break and we'll see late last break in the morning it's been a wild morning and obviously The news will just becoming non stop the rest of the day and in days and weeks ahead let quick break. We'll come back. We'll see if we can close out with Doug O'Neill and talk about the win in Dubai and the prospects for what I think he's got at least three. That are GONNA run on World Cup night back after this to close out a crazy day. Extreme it's athletes with feedback on Sirius. Xm radio developed by horsemen bills. Dot Com is a cost effective time sitting environment friendly paperless revolution of how equine industries bill and receive payments vendors rape will generate electronic invoices for each horse whose owners can pay through the same website with just one. Click Saket Bodies Tax Invoices handwritten checks and postage costs easy accounting for all parties with the highest online security measures get started freed horse bills dot com simply registered with your name and email address free to sign up no subscription piece vendors until the first invoices sent Brunner's. You get a free account. Comprehensive Dashboard information on all horses own billing records. Ach and credit card. Payment options for vendors generate invoices efficiently and receive payments quickly from both owners and other vendors syndicate partnership managers get flexible billing payment options to both tenders and syndicate members for more INFO. Call eight eight eight nine. Three eight forty six forty three eight hundred eight nine three eight forty six forty three or log onto horse bills dot com. That's horse bills. Dot Com get started in Kentucky over eight million dollars in additional. Money is available at the five Kentucky tracks for horses eligible for the Kentucky Thoroughbred Development Fund. Kentucky is a good place to raise your kentucky-bred come home to Kentucky and make a start D. R. F. Sports for Digital Edition your alternate weekly. Bending Guide published by daily racing form. Dr Have Sports for delivers all of the analysis and insight you need for every NFL game. More than forty college football matchups the spread with powerful frenzied sharp angles tapping it best best expert picks partly winners and more offered his four ninety nine per issue at this week's edition free visit the dot com slash sports for enter code the R F Sports Arizona race. Track Industry Program can prepare you for an exciting in racing. Turn your passion into a paycheck. Nearly ninety percent of students are employed in the racing industry immediately upon graduation. What career track are you on the University of Arizona Race Track Industry Program Your role today and get on track for success scholarship opportunities and more check out our website at UA at ti? V Dot? Org Why is accreditation? Important in aftercare thoroughbred aftercare alliances standard of accreditation and GRANDPA since provide donors with confidence that their contributions are allocated in the most effective manner. Accreditation is only awarded after a complete review of an organization after cannot be an afterthought for the industry to learn more or support. The mission visit Thurber after care dot org back to at the races with Steve Own Sirius. Xm radio we're back got about six seven minutes to spend with Doug O'Neill who has been involved in a really a fascinating experiment All winter out towards spring in Dubai with a string of horses. And there's been a lot of good performances. There's actually been a breakthrough performance when it comes to our city and then this weekend. The absolute Thrilling win that propels the team toward World Cup night. Doug O'Neill congratulations. Thank you Steve. I appreciate thanks for having me. No not at all talk about how this even came about in even deciding to send a string and talk about the mechanics. You know I think. Just with all the uncertainty that What's around in San Nieta I reached out Sent an email to Frank Gabriel there and Dubai and he emailed me back saying you know who would you have and I sending some horses and the the Okayed some and denied from others and He's eroding on eleven horses and and then Just got a big shout out huge. Thank you to the owners and to Leandra Maura and and Tony Romero and other employees that we've had that Basically picked up from their home. Fear over to Dubai for for three months so Just a huge sacrifice on their part but They they treated us like Like kings and and Yeah it's really it's it's great one through and through the way they they take care people and the way they take care of Horses Wild Bear Jack the winter on Saturday in the prep for the Al Quds Sprint for the turf sprint. And this one has got you know this has got so much of your operation and you know the the recent past whether it's golden sands and and and the WC racing team Talk about you know his performance and put it in perspective you know. Yeah the the fact Glenn Stain who's Wc racing is just an awesome owner and The campaign golden fence as well and he still has multiple shared. Lupton him so There's a home-bred of his and You know he's always been extremely gifted and Extremely quick Just credit to Glen. He's been super patient with them. And when we ran first time over there and be by Around seven furlongs which you know. Hindsight probably wasn't the smartest move in the world but he got a little tired at the end but The other day broke running and Fernando Horror. Who He's been getting on them a little bit For us over there as well he got into the race and man he just had the California speed and took it to him and kept on going so that was super exciting to see well. And that's been that's been a formula actually You know the between. Oh my gosh. Karl Karl O'Callaghan source Oh my God and are you talking about this threat there Kinsale kinsale King Right. There you go yeah sale king. Yeah yeah well I think so many of us out here in California we. We've we break and then we get ready to run everything. Just follow the door solid storage and we're trying to get them to break sharp and you know I think a lot of the euro in the Middle East and Horses. It's more designed for stamina and In longer races so I have a slight edge on on the way our horses are are prep. For some of these sprints but still he beat a dynamite field and Volunteer as injury free. We were. We should have a spot of fun with him. Come woke up night. Well and also we can't flesh them out completely but let's also mention for left and that win in the guineas and then parsimony who. I'm excited about because I you know. I always thought that there was talent there and it looks like you know he's really connected all the dots. You're right those are two Pollens villa random read 'em racing at both four left and And parsimonious and yeah they. They both have shown hints of of Talent Back home here in California and and Yeah and then. Both of them settled right in there and Again dirt Was Actually the personally want amount? A quarter and Four left to a mile and one turn mile and they just get it showed some great speeds and great the heart and famines in class and Yeah that that was really cool to see them. Kinda validate what? We thought all along that they had kind of great one ability and now we're starting to see them hopefully head that way and and Hopefully come World Cup night. They'll both have a chance to be tough in their Their UH different races that they're going to go into well so the the the the World Cup for parsimony and I'm hoping actually I talked to Frank. Gabriel yeah ee He made he's been officially invited to the Dolphin. Mile so It's quite an honor. And we're we're sending about that but we're pushing hard trying to get them into the World Cup because I think the the amount of quarter suits him Yeah we're we're going to be grateful wherever the INVITE COMES. But we're we're trying to push from the sidelines to get him. From a guarantee can get into their on in the big dance and then four left the course in in the The W eight around. Yeah yeah yeah the Darby happens. He's doing he's going to retain the services William Buick. Who's just who. What brilliant writer. He is a blessing to have him. defend board for for the the. Big Darby over there. Well I dog it you have to. You have to feel like this has been a a smashing success. The way it's gone I it really has you know and it's got to meet from an cool people. I went over the eight days With Leandro and the crew and it just got to meet so many people from all over the world and Again the barn of the facility. There is so unbelievable. You've got about eight different tracks to choose from you know from synthetic turf. They're in there. They're all manicure because they're not really used the whole lot man. Yeah still can't can't say enough and how grateful I am but but I'm grateful pretending to our home and we love it here but it's a great option having over there well plenty more to keep tabs on. Liam's pride with that maiden win very solid figure two for the three year old. The looks like it might be a late season type for later on in the year. And when we get a chance I want to about how you got fort McHenry. But in the meantime Doug well done wildland Jack wins the not all sheaves sprint and looks like a favorite for the. Al Is We'll talk soon. Go thanks take care Doug O'Neill everybody Doug O'Neill one on twitter. I'm going to go on twitter now. See to see what happened this morning. We'll obviously get a chance to have a full coverage of these environments and what they mean and the specifics There's a lot of things that you're that are from other arenas including harness and such but could amount to a real watershed moment. We'll talk about it Tomorrow today though John. Sadler Ron mcwethy. Doug O'Neill Bob Baffert from the weekend performances in Johnny Dee as well all right go dig in I. I got a forty four. Page indictment arrayed. Thanks everybody talked the morning. Aspirations with Steve Big on Sirius. Xm radio an online tournament that boasts no rake skimmer takeout with a ten thousand dollar first prize. Here it is clear. Expressed bed live online. Saturday march twenty first expressed bed lives for account holders only with no registration other pesky fees simply make a live twenty dollar wager on one horse in ten competition. Races earned the most and collect ten thousand dollars. Plus there's from one to four thousand dollars in additional prizes. The top thirty finishers automatically qualified for the fifteen thousand dollar expresso batch showdown sweet the card and earn juicy. Five Thousand Dollar Bonus Tote have expressed bet account visit express dot com today and qualify for a one hundred dollars bonus then registered free for expressed bed. Live the best tournament down. You going plea live online with his press. Bet Saturday march twenty first and it could be your day but only if you play account wagering is not permitted in all states national public gambling support line one eight hundred five to twenty seven hundred forty five over ninety to one eighty over one ill heaven five hundred eighty two over one hundred and I had a heart attack and cardiac arrest and then stroke your blood pressure. Numbers could change your life a lot of people on the stand including myself. I didn't do the impact of having a show in my memory shot. When I woke up a kitten speak if I would follow a treatment plan I would not be in this situation. So tough journey lowering. Your high blood pressure could save you from a heart attack or stroke. If you've stopped your treatment plan restarted or talk to your doctor about creating one that works better for you. Start taking the right steps at manager. Bp Dot Org so life. But I WANNA make it better comeback. Doctor Check your blood pressure of horses in the world's only accredited equine business program the University of Louisville Equine Business Program. The University of Louisville has a legacy of excellence for more than twenty five years of equine business. Education classes are taught by industry experts in state of the art facilities located in the heartland of America's Equine Industry The University of Louisville Business Program. When it comes to horses we mean business. For More Information Visit Business Dot Louisville dot edu slash equine from equine the people that bring EPA reclined unlock leader. She'll now comes flex. Affi- ha the most advanced scientifically based joint supplement on the market to find out more contact me. Joseph Allante two one five five zero one. Six eight zero to be the best. Give them only the best B. are equally.

Doug O'Neill Steve Big Ron Bob Whitmore Dubai Kentucky California Kentucky John facebook twitter Churchill UA NFL John Sadler Bob Baffert oaklawn America