21 Burst results for "Rachel Cruze"
"rachel cruze" Discussed on The Trish Regan Show
"This overreach is nonstop. This think about what has happened in the last few years. I want to just start with the Hunter Biden laptop that you couldn't talk about. It was like the one thing that could not be said, don't forget what happened in the New York Post. Their Twitter account got shut down because they reported on the Hunter Biden laptop. And then you had this big letter with all the former CIA guys all the deep state professionals saying this was Russian disinformation that the Hunter Biden laptop was all made up. Do you believe me? And they had the cover that, oh, it's that crazy Rudy Giuliani that's bringing this thing forward. This is all Russian disinformation, so you better shut it down. You better shut it down fast. And that's exactly what all the social media companies did. Look, I ran into it right on Facebook. I personally suppressed for one whole year. And they came around and told me that they were suppressing me because we had a story about the laptop, and that was quote unquote, fake news, and a whole host of other things that they labeled it. So that landed me in jail, had never been in jail before like that. For a whole year. It's over. We are screwed. This is what they did. So that story, which turns out to be true, was completely shut down while simultaneously the same cast of characters, morale, Brandon, and blinken. I gotta get to him in a minute. The same cast of characters were the ones that were saying that the Russian dossier was true. They wanted us to believe the Russians had planted Donald Trump there because they had the goods on them. The Russians? How mixed up is this? And it gets even scarier. It gets even scarier because when you find out who was behind, this letter that was the game changer, really, because you couldn't tell the truth during the whole election season, the game changer really came from none other than Antony Blinken. Antony Blinken, our current Secretary of State, ladies and gentlemen, that did a horrendous job getting us out of Afghanistan that continues to do a horrendous job in terms of negotiating the relationship with Taiwan and China. And let's be honest, clearly failed in any kind of diplomatic effort to prevent war between Ukraine and Russia.
"rachel cruze" Discussed on The Rachel Cruze Show
"One day i a car and you just go buy one no. Just take your time. It's a pretty big purchase k. Also do your research look around especially if you're buying a used car even if you're buying a new car there's different models there's different pricing figure out and actually have the research. Don't just walk onto a car lot and let the car salesman. You know we you into something know what you want ahead of time and just take the time to research. Also get a third party opinion on the car. You're considering so if one of your friends maybe drives this kind of car or you know somebody who's really good like in this area of life like they know cars and all of this like ask people kind of get some opinions just to kind of figure out okay. Is this a smart purchase. And then always ask yourself. Is this a need or what and again depending on where you are in the baby steps depends on what's okay or not so some of you. It's a need and you just need what you need. You need to get two point. Eight to point. That's it nothing else some of you. There's some wants and you're the place financially where you can do that. That's great also you need to ask is wanting a new car okay. And you're a season of life. Run the numbers figure out. Is this a smart decision but ever you guys whatever you do do not take out a car loan or car lease in fact leasing a car. According to money magazine is the most expensive way to finance a vehicle to not lease a car. And then also don't go get a car loan okay out of all debts. That's out there from credit cards student. Loan personal all of it. A car loan is the one that i'm like. No 'cause you're borrowing money on something that's going down in value. You're paying more for the car at the end because of interest for something that is going down it's going in opposite directions. You're paying more for it to go down and you're like no no you're at least with a mortgage your house knock on wood. It's going up in value. You know you're paying interest on and all that but it's going up in value even student loans. We hate them hate student loans so much but you have a piece of paper. That's supposed to say. I can make something of myself on the world. The knowledge i gained in. This hopefully is going to allow me to make more money out in the real world. That doesn't always happen. But that's the hope in the problems but car loan makes no sense. Trust me nuts. Drives me nuts while hope. These tips will help you on the road to building wealth because that is what i want for you from curious. What kind of car you drive right now. What kind of car you drive more. You're getting out of debt with your emergency fund. What's your dream. Car comment blow. It's always a fun conversation ho cars. You know you love them. You hate them just the part of life those. You won't be smart when it comes to buying a car. But thank you guys so much for listening to this episode and thank you george camel for being on with me and if you guys have not subscribed to this podcast make sure to hit that. Subscribe button and the spirit leads. You can leave a review and that's always make sure to take control of your money and create a life you love..
"rachel cruze" Discussed on The Rachel Cruze Show
"So it's gonna feel oh gosh but listen on paper. It's it's good your motivation. You're not doing these things because you want everyone else. Guys are awesome in fact. That's the problem. You're awesome the pupil. You're which is great. So that's not your motivation. Your motivation is to do it for your family. All of gm's saying like the emotional side and the mathematical side are adding up to me and the relational side with you and your husband so all of this. I think that's a green light and it's gonna take it's gonna take a level of saying okay. We can do this but for me. It's that percentage and you're not being wasteful. I'll give you this. My husband and i are in the middle of planning a trip for our kids to disney and the budget. I want as much larger than the budget. My husband was. I was showing him. All the percentages pay this percentage of what we save every month if it's just this percentage is great and he's like rachel but the need of this this and that we're like missing each other on the mathematical the emotional which is just so funny. So we're constantly kind of in this conversation so even knowing that with your husband if you guys as much as you can be on that same page to say okay. It's not a big percentage of our net worth. We can do this. We agree and again the motivation of what it's going to do to our family is amazing. It's awesome so it's hard. Though i understand. I understand is there at kind of a scarcity mindset at all with you guys I think more has been probably and in most relationships. There's probably a little bit more of the spender. A little more of the saver and it has a lot to do with how. I was raised but It doesn't exactly make sense. So i'd like to kick that. That's right that's right. I know i think it is one of those things. Have just giving yourself permission to spend. Actually just doing it. And it's gonna take a little practice. So maybe it's not a boat. That's the first big thing you guys you know. Maybe you up your lifestyle. Small percentage for the next three months and kind of spend a little bit more than you're used to and just kinda start to build up muscle but again we're not going crazy here. I'm not telling you to go take cash out your four one k. To go buy a boat right. You're you're doing this in a really controlled encouraging environment. Really because of what you guys have done. So i hope that helps. I just want to encourage you give you that motivation that you can and you're okay and it's going to be okay. Yes that's awesome thank you. Thanks so much stephanie. For being on. I appreciate it and for all of you. That have any questions for me. You can go to any of my social media channels from instagram facebook. Youtube twitter all of it. And ask your question and maybe you can be a guest here on the show and stephanie again. Thanks for calling in insure your story. I think it's so.
"rachel cruze" Discussed on The Rachel Cruze Show
"And the book is sold everywhere everywhere. Okay make sure to pick it up again this is. I love these kind of topics. Because i'm like every day you know everyone's gotta get dressed. You gotta put clothes on to figure out what works for you what you feel great and and again. That's going to help support your budgets. So great awesome thanksgiving. Thanks rachel now. it's time for. Ask rachel so this is where i get to answer your questions. All of that and kind of coaching through talking to your situation is something that i love so much so today on the episode. I have stephanie. Here stephanie welcome to the show. I warning thank you so much for having me thank you. I was going to say. Thank you stephanie. I appreciate you coming on so tell us a little bit about you. Were calling from your kids where you guys are in your financial journey kind of all the things. Sure so my husband. And i we have three kids that we live in the chicago land suburbs and we finish the baby steps quite a few years ago and my question is how we can shift from. You know saving being a little bit tight with their money. Very cautious i mean. We still want to tell her money where to go. But how do we switch to spending an enjoying heavenly peace about spending money such a great question and it's so funny because i talked to so many people that are in baby steps one through three and it's like the grind and they can't wait to be acts like we just wanna be able to spend again enjoy and then sometimes when you get to that other side you're like wait. How do i do this. What's okay what's not okay because you're so used to those guardrails now. It's a little bit of a wider road so your question is so normal. I feel like. I've talked to so many people that have this question and kind of pretty commit so tell me that. So you guys are gonna babies up seven s which is pretty amazing couple years and we've been able to invest in. That's been really fun. We've always been givers and so we plan to continue to do that. But when it comes to like the funds south. I think the people most is to us wednesday like. We're kind of even al tight with their money. You're just very careful and that is not exactly the reputation we want We see ourselves as generous. It's almost like when it gets to be just like that extra stuff. We don't know what the rules are. Yes okay so tell me this number one. I'm not gonna worry by your reputation because you guys are great people. I know and you're super smart. You're on baby. Step seven which is incredible. So congratulations not many people can say that. That's huge absolutely huge. So what are the things that you're saying no to that you want to start saying yes to is that you go on a trip. Oh we could have in a nicer hotel or out to eat more or we want a new car like. What are the big things that you're thinking through or small things that you just find yourself saying no to where you think i could probably say yes and be okay. Wow they're big and small. I mean we have our kids paying further on starbucks and earning money and all that. But it's more of like a lesson than we can't afford it but our kids might not even know that and then also kind of the bigger things like are to junior high this year and we think like well we need something fun so that they'll continue hanging out with us like do we get a pool of the beginning bow but we always say no to these things because we just don't know what the rules are. Yes well i would say a lot of it is to focus on your motivation. Why so there's three things you can do with money. When you're on baby seven you can give it and we talk about that you know you are able to give like no one else and you guys are giving so i would say continue to even do that more and more. You can invest which you guys are doing and you can watch your money grow and you're doing for the future and then you can spend it so these three big buckets or the three big things you can do now so in that spending category for you all. Just check the motivation of what's going on. So for instance your kids. I think that's great. I think it's incredible that you're making them pay for it now. Could you give them a little bit each month and they have to kind of budgets that some of that money and learn that yeah. I think that's fine too. I don't think it has to be this really legalistic way to to raise your kids with money. But i'll say this growing up like heck no not given everything that we wanted. We had to work. We do all of that and so yes. Why is that a blessing and a gift that you're giving your kids in that way absolutely and honestly them thinking that you don't have a lot i think is great too. I remember like going through high school and being. We're some of the poor ones here at this high school. That wasn't the case. But i really was convinced. Like oh so and so. They have a big house and they may go. Thanks so much money right. And i think for high school or i think that that's great because you're showing your kids that like your joy happiness. Your life is not surrounded by just stuff right so your kids perspective. I think that that's awesome. And if you guys aren't kazillionaire and they don't know that until they're adults and you let them in on that. Because i think that is a conversation that will be needed later in life. Perfect but as for the motivation of buying these big purchases. I think if it's a small percentage of your net worth of what you guys make a year if you and your husband are in agreement you'll get something we want to do. It's gonna probably hurt a little when you pull the trigger right if you're going to build an ice pool. Those are expensive. If you're going to get a nice bow. Obviously those are expensive..
"rachel cruze" Discussed on The Rachel Cruze Show
"It's not going to break the bank and it's just a quick easy way that you can just add a little bit of something to your outfit. So that's a great area. Another one is the seasonal trends so the things that aren't gonna stay in style year after year season after season. Take a little bit of money and add a new color to your wardrobe avenue pattern or a new style. Something that may not have that longevity. But you're not gonna feel like you're wasting money because it's not going to be that expensive race. That's right that's right. Yeah there's certain stores that lend to that right. That are more inexpensive. They always super trendy and can go in. You know. I'm thinking about like your hmo or you know what. I mean like things like that. I'm not going to spend a ton on. But i can go and yet just spend a little bit and get something kind of fun but if it goes way next year is obvious no big deal exactly and sometimes those trends stay in style longer and if they do then. That's a good opportunity for you to upgrade the trend a few years back. I bought a pair of leopard flats and i was like. Oh leopards having a moment right now and leopard continued having so i wore out those glass and i invested in a better quality pair of leopard flats that have held up for the past. You know three to four years so it's okay to upgrade that trend later on if it's six around okay. That's soka back to the shoes right. Yes always issues. What are like. Just some do's and don'ts of close when you look at people and you're like oh don't do that yes keeping the layering i love. Someone like makes everything. Look that much really. Does the leader piece when you add that third item on so the third item is the completer piece. And i know if you live in a hot. Climate is a little bit hard to do that. Yes i live in texas. So i love when i can wear blazers in jackets and it just feels like i'm wearing a complete outfit but really i think that the biggest thing that women need to focus on is finding pieces that fit and flatter your body honestly. That is the key. It's the trick. It's a little bit difficult to figure out but once you look at your body's shape and then look at the pieces that are specifically going to fit in flatter your shape it just opens up this whole new world of possibility of everything. Okay so let's go through a couple of body shape so i'm thinking about it. Okay so if someone is like more of the pear-shaped what our ideal for that body type. I'm a pair. Yes yes so with pear shapes. Obviously we're gonna accentuate. We have narrow waist yes and typically. We have wider hips. So i try to you know. I wear highways jeans. Things are gonna hit at my natural waste. You're also going to once with pear-shaped because you're usually bigger on bottom and on top do something. That's going to balance out your proportions. So across the top horizontal stripes are always a good idea. Anything that's make your shoulders feel broader seem broader anything. That's going to draw up so think v necks. That are gonna dry up to the face statement necklaces. Also draw the up as you statement earrings. Yes so there's little tips and tricks to kind of like balance proportions. Visually where it's not where you're having to think too hard about it but just accentuating the right spots and drawing the i to the right areas. I love that okay. How about someone shorter and more just petites like my sister. My mom this is how they are built and in east. My sister's always like 'cause. I can't wear like certain genes right. They cut in a certain spot or like like it. Just looks you know. She's like i just never looked so good. I'm like give it a a good. I don't know but like what are some tips for shorter more people. It's always about elongating. If you're a petit you're going to want to do things like monochromatic tones wearing darker colors from your waist. Down the all the way through your shoes. If you're able to not wearing jeans cut you off too high on the legs so yes yes typically off limits. You're gonna look for the longer pants anything that's going to create a longer. Silhouette petit ladies look amazing in abu cut gene with a. He'll under it because that's gonna make the legs look a mile long. Go up okay. How about more like the rectangle body shape right not only curves just kinda straight rectangle. Look again it's going to be about creating the illusion right so with a rectangle buddy shape. You're going to create the illusion that you have the waste that you nip in so this is a great body shape for wearing a little thin belt around your waist belting. Even your cardigan addresses the great thing about rectangles that they generally are proportionate between their shoulders and hips so they can get away with a lot of different styles worth sheath dresses in the straight pants and all of those things but really going to be about accentuating that waste and creating the illusion of having that little bit of an hourglass curve. Yes i love that because again when you're going to invest in something like close right that we're talking about it's like yeah then you want so that's gonna fit you and it's gonna make you just feel wonderful. Okay what are some don'ts some don't so i am a rebel. When it comes to fashion rules was talking about fashion rules a little bit. You know the whole wear white after labor. We can all do that like we. We can definitely do that. I wear white jeans year round now. But i think the biggest question i get asked honestly in the space of what are some do's and don'ts with fashion rules. A lot of women comes to me. And say i don't know what's age appropriate anymore. That's good yes and my rule assist is a little bit different but i like to say don't dress and what feels age appropriate dress them. What feels you appropriate and meaning does it make you feel stylish. Does it make you feel more confident. Does it fit and flatter your body. You can ask yourself these questions and the selfie never lies so if you ever. This works for anything if you're ever curious. Does this work for me. Take the selfie. Look at the picture and you should be able to tell from that picture and if not then send it to a friend. That's going to be direct and brutally honest with you. That's that's good. That's good that's what's so hard about now mike. You know. i'll see different trends. my gosh. she's sixteen year old. I don't know a mama. Three i don't know gay or not. Yes just like whatever. Whatever works for you and i think that's a great rule. Okay gosh this is also good. It is because when we talk about budgeting specifically clothing is always not line item. Whether you're buying for your kids or buying for yourself. Which i think is important part of this to actually feel great yet us when we wise with the money that you have. These are great tips. Good to help the money. The dollar go further and the closet. Alison thank you so much for being here working everyone find you. Everyone can find me at. Get your pretty on dot com..
"rachel cruze" Discussed on The Rachel Cruze Show
"Who should <Speech_Female> pay. <Speech_Female> Well <Speech_Female> if you're dating <Speech_Female> aka <Silence> like you're not married. <Speech_Female> I think <Speech_Female> the dude should pay. <Speech_Female> That's like my opinion. <Speech_Female> Just of course. <Speech_Female> I mean i don't <Speech_Female> know that's like a that's a <Speech_Female> given for me but <Speech_Female> apparently these days <Speech_Female> people do bunch of <Speech_Female> other stuff. I don't know <Speech_Female> for me. It's always <Speech_Female> the guy the guy's always <Speech_Female> gonna pay. <Speech_Female> And ideally he'll pay <Speech_Female> cash type of card. <Speech_Female> You know you'll <Speech_Female> be doing <Speech_Female> the ramsey solutions <Speech_Female> plan. <Speech_Female> Winston i went <Speech_Female> on our first <SpeakerChange> dates. <Speech_Female> I was a sophomore in college. <Speech_Female> <Speech_Female> he was l. <Speech_Female> It was winston junior <Speech_Female> senior <Speech_Female> <SpeakerChange> cheese. <Speech_Female> This terrible <Speech_Female> that's what i don't even remember. I don't <Speech_Female> even. I can't remember <Speech_Female> how old <Speech_Female> i was <SpeakerChange> sophomore. <Speech_Female> Because he he <Speech_Female> asked me after a psalm. That intermural <Speech_Female> fields <SpeakerChange> <Speech_Female> so romantic <Speech_Female> but we went out. <Speech_Female> Pizza <Speech_Female> pulled <Speech_Female> out that a <SpeakerChange> capital <Silence> one <Speech_Female> credit card <Speech_Female> with the eagle on <Speech_Music_Female> the front our <Speech_Music_Female> thinking. <SpeakerChange> <Speech_Female> You're hot so <Speech_Female> we're going to <Speech_Female> <SpeakerChange> <Speech_Female> we <Speech_Female> get serious. We'll see how <Speech_Female> this goes <SpeakerChange> <Speech_Female> <Speech_Female> but remember when <Speech_Female> you're married <Speech_Female> you're one <Speech_Music_Female> in every aspect <Speech_Music_Female> of your money <Speech_Music_Female> so <Speech_Music_Female> no matter. Obviously <Speech_Music_Female> who pays coming <Speech_Music_Female> out of the same bank account when <Speech_Music_Female> you're married <Speech_Female> an awesome of <Speech_Female> you don't like that either but <Speech_Female> that's the truth. You got <Speech_Female> to be one you guys in every <Speech_Female> aspect of <Speech_Female> your marriage including <Speech_Female> your money so <Speech_Music_Female> so important <Speech_Music_Female> <Advertisement> and <Speech_Music_Female> <Advertisement> all of this is <Speech_Music_Female> <Advertisement> going to help you guys <Speech_Music_Female> create a better <Speech_Female> life especially <Speech_Female> when you're married. You're walking <Speech_Female> this plan together. <Speech_Female> Having date nights against <Speech_Female> so important <Speech_Female> and so fun <Speech_Music_Female> but do <Speech_Music_Female> it in a wise way <Speech_Music_Female> that does not break <Speech_Music_Female> the bank <Speech_Music_Female> date nights <Speech_Female> you gotta love <Speech_Female> on but also we <Speech_Female> want to be smart with <Speech_Female> our money when we do <Speech_Music_Female> them. Thank <Speech_Female> you guys so much <Speech_Female> for. Listening to this podcast. <Speech_Female> Thanks <Speech_Female> for <Speech_Female> being on. She's <Speech_Female> absolutely incredible. <Speech_Female> And if you guys <Speech_Female> have not hit. That <Speech_Female> subscribe button. <Speech_Female> Make sure to do that. <Speech_Music_Female> And if the spirit <Speech_Music_Female> leads you can leave <Speech_Music_Female> a review <Speech_Music_Female> <Advertisement> and as always <Speech_Music_Female> <Advertisement> make sure to take control <Speech_Music_Female> of your money <Speech_Music_Female> and create a <Speech_Music_Female> life you love. <SpeakerChange>
"rachel cruze" Discussed on The Rachel Cruze Show
"Date nights and you can do some experiences together like make sushi wholefoods offers cooking classes. You can go to a comedy show little concerts. You can do a lot of fun things but you can also use things like groupon to save money on restaurants and experiences so find groupon for restaurants in your area. You can save anywhere from thirty to fifty percents but remember a lot of these discount. Places have some things attached some rules regulations. So make sure you read everything before you purchase it and then if you're on baby step seven and you're living a giving like no one else then go to whenever you want go to a show fancy rooftop dinner at a chef. Come to your house. Make you a male. Sky's the limits. And have you heard of the tip. The bill challenge well. This is generosity that. I love so much so instead of tipping your standard fifteen to twenty percents you tip your server the total of the bill so fun and i mean nothing more fun at this point life to be generous with you and your spouse and you guys just have some fun. It's great like this is the best part you guys babies seven. This is the kind of stuff you get to do. And guess what financial peace university will get you here to that point where you can live and give like no one else financial peace university. We'll help you get outta debt and save faster than you think. You can get unlimited access to our flagship course financial peace university inside of ramsey plus so financial peace university is our step by step plan at teaches you how to save and spend wisely. Yes even for date nights so start a free trial today. Just text rachel plus two three three seven eight nine all right..
How This Investment Could Change Your Kid's Future with Christy Wright
"The other day. My friend told me the story. And i was like what's so. He said that his mentor years and years ago said to him. Hey are you investing for your kids future and my friend at the time didn't have kids and he was like no i don't have kids in. His mentor. was like listen the earlier. You start saving for your kids and their future. The better off. they're going to be. You're going to be because he knew little something compound interest so he kept asking my friend over and over for like two or three years. Hey have you opened up an account for your kids. Hey have you account for your kids like no no. No no no and finally has been towards that okay. Listen i'll match whatever money you put in. I will match you. Because i want you to start investing for your kids future. So whether you've been in two thousand dollars i'll match it or put in two hundred. I'll match it but i wanna help you because i want you to be motivated to do this because you are going to be so. So thankful well. He finally took him up on it one day and he said okay. I'm gonna do this so with little. He was doing neck and fast forward. You guys almost two decades each of his kids when they turn eighteen. He hands the accounts over to them. And these accounts you guys had over two hundred thousand dollars in them just because he started so early and was consistent. I mean is that not insane. That is so so crazy and the great thing is they're able to use that money some use it for schools. Some of them used it for their wedding or they use it for down payment on their first home and guys that is the power not just con- insurance but the power of changing your family tree thinking so far ahead because it is crazy which is five hundred dollars. Thousand dollars can do over the course of eighteen
"rachel cruze" Discussed on The Dave Ramsey Show
"In the book of your life. This is the ramsey show. Hey guys this. Is kelly associate producer for the ramsey show. Did you know that for sixteen million people listened to the ramsey show every week and a lot of those people listed on one of our six hundred plus radio stations across the country to find a station near you at daveramsey dot com slash. Show if you're looking for fun and practical ways to save money in your everyday life you need to check out the rachel cruze show podcast from money expert and my daughter. Rachel cruze guys. It's rachel cruze. And i'm so excited to tell you about high podcast. A lot of people are living paycheck to paycheck. They're end debt. They don't even know where to begin but they have. This need this. Want to get in control of their money and is that you come the right spot so each episode your and get a ton of inspiration and practical advice. If not subscribe to the rachel cruze show podcast. Make sure you do it today. There are more from the ramsey network including the rachel cruze show wherever you listen to podcasts. Hey it's james producer of the ramsey. Show this episode is over but check the episode notes for links to products and services. You heard about during this episode. Thanks for listening..
How To Handle Combining Finances With Your Spouse?
"Is a really good question that we have here so this. This woman's said our money is all in one account. Now that's weird and we've been arguing about how to spend it. We have some debt. And i think we should pay off as quick as quickly as possible but he wants to put more money in different places. How did you guys handle combining your finances and this is such. A good question isn't finances over like one of the main things that couples fight about right. Yeah you've got sit down and create a budget like the budget help. Give you argue about what things should wear. And how but like you have to sit down and agree upon a framework and they are thousand tools to help you do that. Amy huge dave ramsey fan. I know steph has had rachel cruze daughter on the show. And i'm sure she talks through how to even do that. Lake may not my number one piece of advice. Get a budget
"rachel cruze" Discussed on The Dave Ramsey Show
"Lobby of ramsey solutions on the debt free stage. Sam and natalie are with us. Hey guys how are you guys. How're you very good. Where do you guys live. We live in minnesota. Oh wow what part. Just south of minneapolis. Okay fine good to have you guys. Welcome and dead. Have you paid off dave. We paid off three hundred twenty km three hundred twenty k. How long did this take fifty eight months. Okay cool good for you and your range of income. During that time we went from about one fifteen Last year we did to. Oh five and we'll probably hit two and a quarter of this year. Good for you. What are you guys do for a living. I'm an operations manager. And i'm a stay at home. Moms these amazing kids. So i'm guessing with fifty eight months and three hundred twenty thousand you guys pay off your house. Share dead people. Love it. Good for you guys. It took you five years. Wow amazing how old are you too. I'm thirty nine thirty six. Oh right and what's the house worth this crazy market. They got it about four seventy five and it's all yours feel about a payment stink in world man. That's amazing it's it's still thinking in heads around it pretty amazing. We'll tell me the story. What in the world happened here. Well i've always been kind of money driven. You know kind of money focused. But i was out in denver and i was buzzing around the am radio. And i heard this other guy come on the radio and he was talking about money and talk interviewing people about money and it was. I was glued. i was hooked and anyway. just turn it off. I parked the car. And that was it and i was out there again another trip a couple of months later and i r- i found you again on the radio and i was leaving denver and but before i did that i pull over and i was like this guy's got to have a podcast or something and so sure enough. I found your podcast. Download it and then i binged it from denver to minneapolis no stopping. Oh you trove. Oh my gosh way home. The whole way the hallway. And i was just just hooked and so i got home and i said that hey we. We've been doing this doing that. We got a new goal. You know we got a new plan here. And we docked we talked budget and that was was not the easiest thing to introduce but she she was was up to my eyeballs in babies and toddlers not sure wanted to take on a whole 'nother challenge it was such a good job with finances is like just just keep doing what we're doing that he wasn't gonna let it go. I just wanted to step it up a little bit. And anyway ken coleman there he was the emcee of the of the rachel cruze less les parrott marriage and money minneapolis. If years ago natalie. And i went to that and natalie really connected with with rachel's message about permission to spend louise. We've we've lived a really frugal life you know like we've always had hand-me-down clothes and we've shopped goodwill thrift stores stuff like that. We've always been pretty tight but When she was talking about permission to spend and putting that in the. I couldn't really wrap my head around And then as she talked through. I was like okay. This is going to make life easier. let's let's track it. Let's go ahead and try it. Because i own. I won't see you know. Stop when i see something like when our kids need clothes. I won't be like oh i don't know i don't know if i want to spend that but the permission to spend is a big. That's that's really what the budget is. 'cause you decided together that this meets our goals and we have this much allocated to this so you have spent it on that. Because that's what's four down that's awesome. Yeah so was that a moment where he the budget thing was a little bit like. I don't know. And then when she gave you that psychology on that it was like. Oh now the budget's not this big nasty monster very interesting. Yeah awesome yeah. I grew up working from a really really young age and when We had her first daughter. We decided to stay. I was going to stay home and take care of the kids. So not having an income going into Things together. I was like i can't spend anything and i felt terrible spending money that he was bringing home so that kind of gave a purpose that it wasn't his money was money together and that really helped having that budget put their. Yeah wow why did it go guys and your house is paid for. At the end of the story touchdown. It's all about downloading and binging podcast. That it didn't stop there dave submerged myself and your material from there on out and it was a big motivator to stay focused and keep keep the task at hand a way to go. You guys were so proud of ya. Well done who are your biggest cheerleaders. Oh my gosh we. We have such a good network of friends at home. Our family They've all just been super supportive and and have really helped us along the way. That's good good. Well done you guys so well done proud of you. Now that you're done you don't have the payment the world. what are you gonna do next. We're going to travel a little bit more good and we're gonna be we're giving you know we're gonna we're gonna give back a little bit more. Think good good. That's good answer. Well done good job. Well we got a copy of the legacy journey for you. That is the definitely where you are. You're gonna bring the a whole new legacy into your world because of what you've done and a copy the total money makeover free to give away pay it forward and get somebody else on this journey with you Give them the encouragement of your story. Because you've got quite a testimony very very well done and you brought the kiddos with you. What are their names and ages. Which get them up into the shot so we got brad. He's fourteen maddie. She's ten Macy's nine and a leader is six all right. Good looking guys now. They've all the way from minneapolis. If they've been practicing a couple of times yeah. I think we're gonna know what we're doing. I think they will pull it off all right. Good deal good. Deal salmon natalie bradley mattie macy and alita.
"rachel cruze" Discussed on The Rachel Cruze Show
"In all those feelings of anger comeback on top of you and then they're like okay am. i'm forgiveness. Failure by just forgave this person and now angry over again right so what. I help people to see in the book for giving what you can't forget is that forgiveness is both a decision and a process. We make the decision to forgive. And is that marked moment in time. We just talked about but then we also have to walk through the much longer process of forgiveness where we have to work through the impact that their actions had on us every hurt. Every wounding is a fact in an impact. There's the fact of what happened in the impact. That impact is gonna take a long time to heal and process and we may have to do some forgiveness work around the on wing impact their actions have on us but to be 'obedient to god. It's that first decision. Forgiving for the facts of what happened in god is patient to let us work through the emotion of it all in the impact of it all so beautiful because it has love that you say. It's a process goes. We're such an instant gratification. World right now. You don't it just like i just wanna make decision to move on and you can't. You can't do that with your heart. There is to be this process. So what do you say to someone that the balance of whether it's forgiveness but then it can go into this enabling situation where they let that person back in and continued to hurt them. Where where does that line drought. What's the balance in that forgiveness. In enabling attorney rachel. You're such a good interviewer. Because that's what i would want to know right now and That's why i wrote a whole section on boundaries. Because when jesus taught forget seventy times seven it can feel almost like. Does that means that. I'm just supposed to stand there and take it over and over and over or fees relationships that emotionally exhausted and sometimes devastate us. And what about the the woman who's getting abused. Or what about the man who is in a situation at work where he's being taken advantage of and so forgiving seventy times seven doesn't mean that we say right there with that person and allow them to hurt us over and over and over. I believe what jesus is. Teaching is there has to be enough emotional and sometimes even distance boundaries. So that if the person doesn't change in keep acting that way seventy times seven you can forgive them each time without getting destroyed in the process. Because you have appropriate boundaries and so. I do a lot of work in the book to help. People know once you've forgiven that doesn't mean that person has immediate direct access. Forgiveness doesn't instantly mean you're healed and the relationship was restored now you may have to create some boundaries and it's not to shut the other person away it's to position you to hold yourself together. I've heard you say the seventy times seven. That's why i was like. I hope she talks about this. If not even bring it up. Because i think that is one of the most profound things i've heard because even you as as a believer when you're reading through scripture. There's things that you senior like manages feel so that feels so wild you know and you break it down because it has to be doable. And so that boundary that space makes complete sense and brings god's word delight and not. You're like yes that's it like. That is what he's saying. And it takes a lot of maturity to know. okay. I do have to step out. That may be painful but it is. It is so worth that side of protecting so that you're not getting into that enabling part of and think about what jesus did when the rich young ruler walked away. Jesus let him walk away. He's just didn't go chase him down in cam and and negotiate with him. Adults informed children explain so they haven't interaction and jesus loved that man but he did not force him manipulate them. Try to control him. He let him walk away and sometimes we have to do the same thing. So we've been talking about forgiveness to another person right or to us but what about forgiving ourselves. Some people really struggle with this idea of letting go of past mistakes. What's going on a lot of shame. A lot of guilt and specifically. We're talking about money on this show and there's a lot of that that is attached to money. So what would you say to someone who has a hard time forgiving themselves. Well it's interesting. I spent over a thousand hours studying forgiveness in the bible. And it's not. Because i wanted to be like this really scholarly student because i really had a lot of confusion around forgiveness and i wanted to understand it. It's a cornerstone of the christian faith. And as i studied. I never found that. The bible addresses forgiving ourselves. I think that's interesting right. So i think when i say. I'm having a hard time forgiving myself what i really mean is. I'm struggling with regret. I'm struggling with guilt. I'm struggling to receive. God's forgiveness. And so i think words frame or reality so i think we have to say okay when we say we're not able to forgive myself what's really behind. That is their guilt. Because there's something ongoing that. I need to address and fix is their regret that i need to process and realize i can't go back and change it but i can start today on a new path or is it that i really haven't taken time to sit for the like david did in psalm. Fifty one without blaming or shaming people. This is how we really know that we're owning and we're ready to receive forgiveness. We do not blame. We do not shame. We just let stand before the lord and say i need clean hands and a pure heart like i'm e to address what i've done and so maybe some of it is that we haven't taken time to really ask god for forgiveness. Plus omic rachel. I think good christian. Counseling has helped me so much with this. And i'm just a big proponent of it and i think that the bible has been an amazing tool for me it is saved to my soul. I think christian counseling has helped me walk it out or fans counseling around here. I took a lot about it all much. I'm like it is just so crucial. It is so crucial to dive into those parts of you. That again i think on surface level. It's so easy to avoid in our world today and you can cope over here with spending money and feeling good there with a unhealthy relationship here but really stopping and saying okay. I'm going to do the work and go under that foundation of myself. And i think that it is. I think it's so so important. And so thank you for for that. And i'm so sorry about your devotional seen beautiful again. Where could everyone pick this up. Okay so both for giving what you can't forget and the new devotional sing beautiful again available wherever books are sold. And certainly you can come to my ministry website which is proverbs. Thirty one dot org and at proverbs three one..
"rachel cruze" Discussed on The Rachel Cruze Show
"Funded emergency fund and investing fifteen percent of your income into retirement. Then you're going to move on to helping those little babes pay for college all right when you're in your fifties and even beyond if you're not here yet in this video to your parents million. Hey check this out. Have you been doing this moment to add you. Want to number one. Check your retirement accounts. Know how much is in there. No if you need to contribute more know what's going on number to look into long term care insurance. This is something that is very very important. I mean it's amazing even just going into a nursing home can literally take people's entire net worth and just it just leaves because it's so expensive it's so so expensive so make sure you get long term care insurance and then number three talk to your kids about money if you haven't done this before it can be a little awkward at first but sit down and talk to them about what you have about your wishes in life and what what you want the rest of your life to look like to say okay. This is what we want to do with our money and bring your kids along so you're having a conversation and they know what is going on from so excited because one of the people that i look up to the most when it comes to work being a mom and offers all of the things is lisa turkey lisa. Thanks for being here absolutely rachel. It's always an honor to be with you so great. I know we're sometimes in person together now thinks of the distance rival to do this. But i'm just thankful yacht that you took some time out of your day because you have been touching on a subject that i think is so important. Everything from forgiveness and redemption and a lot of my viewers and listeners. They love you so a lot of them. Know your story but for those that don't can you give us a little bit of background of what you've been through the last couple of years when it comes to forgiveness and redemption absolutely well just in my personal life And honestly in even my background as child just experiencing a lot of betrayal. A lot of uncertainty A lot of heartbreak in relationships and trying to navigate that when i had a lot of resistance toward forgiveness. I've been a christian a long time. And i know what the bible says about forgiveness but sometimes forgiveness can be attached to the most difficult things we've ever walked through and so i had a lot of resistance around forgiveness forgiveness and redemption. It is to such important topics but like you said forgiveness. It can be so difficult even though what we know in our minds but it's like our emotions and our heart can't catch up to that always and so where do you think in our world today that we get this idea forgiveness this theme of forgiveness. Where do we get it wrong. Well i think there's a couple of things number one when we're having a lot of hurt inside hurt feelings don't often want cooperate with holy instructions and so what. I'm feeling really hurt. The last thing i want to do is give an unfair gift of forgiveness to the person who hurt me. I wrongly thought that in order to forgive reconciliation had to be not only probable but it it had to be established right and those two things held hands. I thought that someone needs to be declared right and the other person wrong. I thought the person had to say they were sorry and own what they did and promised to never do it again. And so all of those things weren't working because in an adult world you don't always get the benefit of someone saying there. Sorry owning what they did promising to never do it again in sometimes. Reconciliation isn't possible. Or maybe it's not even safe and so i had to say what do you do. How do you forgive when the other person has refused to say that. They're sorry or own what they did and said that was really the catalyst to writing this message for giving what you can't forget And even you just saying it. I mean it's hard that that's hard thing when you're espec- especially in that relationship and usually it's an important one and your life and man when they don't see the hurt they've caused or they refuse to give you anything. i mean. my counselor is always said whenever you go into a situation whether it's conflict whatever you're saying it cannot be to control the other person and what the other person's response it has to be for you and that's work and it's really difficult. So what encouragement you have for. People that are watching. That have been really hurts. And that other person doesn't see it in a may be reached out but man. It's not they're just feels like it's unsettled. And a first of all i would say your feelings are probably gonna be the last thing they need to sign onto this adventure journey and that's okay right. So but here's where i finally got to. I realized if. I'm always waiting for the other person to say that. They're sorry own what they did than i am attaching my ability to heal two choices that i have no say so over and i'm allowing that other person that hurt me to hijack my ability to move forward and to heal so i had one day just put a stake in the ground and say forgiveness is not so much for the other person as much as it is god's provision help my heart heal in i have today i deserve to stop suffering because of what the other person has done to me and the only way to sever the source of suffering is through the power of forgiveness. But here's what. I'm always really careful to tell people you don't have to start by just mustering up like a gritting my teeth. I'm gonna forgive. Even though. I don't want to write where where you have to start is with your pain and so my counselor taught me take some three by five cards right out. One thing on each card of how you've been hurt so that you fully acknowledged the pain. And i like to say do this activity with someone who is safe in your life so that another human can bear witness to what you walk through and to help you process this pain. It doesn't have to be the one who her you and so what i did. This counselor stood there and looked at all the pain that i listed out and he said to me lisa. I believe you and what happened to you was wrong and i can't tell you that did in my heart. It was like this beautiful shifting of realizing that. It didn't take the person who hurt me. They didn't have to do this. But as long as someone in this world dared to bear witness to my pain then i felt like. I'm not saying with that what happened. Didn't matter or that it didn't hurt me. It did hurt me. But i am doing this exercise organised for me and to be obedient to god and so then after you start with your pain you just go card by card by card and when i say is i'm choosing to forgive this person for this way that they would me and whatever might feelings will not allow for the blood of jesus will surely cover it and then i take a little piece of bread felt and i put it on top of that card. I seal that moment and no one can ever take it away from me. It's so powerful. And i think man even doing that. I it takes a level of vulnerability and some people don't live at that place. There's almost a level of avoidance when hurt has been caused to you and so what would you say to someone that they they know. It's there but man they're scared they're fearful the dive into that hurt because it's uncomfortable. It's not fun. Yeah it's uncomfortable. It's not fun. It can feel unfair but also rachel. Here's another thing. That i i discovered is that you can do this forgiveness exercise and then drive down the road and five minutes later. You're a song or somebody sent a text message in it triggers..
"rachel cruze" Discussed on KTAR 92.3FM
"Ramsey show. I'm John Bologna with my good friend Rachel Cruze, and we're taking your calls on life Money Triple 882552 to 5. We have somebody in our lobby that wants to ask the live question. Got the headset only standing on the debt free stage, not doing the debt free scream. Yet, but he wants to ask us a question in person, or we have to look each other in the eye, which is kind of funny and did this doesn't happen very often. That's what's really cool, so I can. I'm just overwhelmed to be here today. Well, we're grateful that you're here. So what's going on, man? I could help. So I passed your church and seven on the way we have about 400 people in attendance right before covert started. We were about to pull the trigger on building a new sanctuary. Last year, we did our first financial peace university class in our church this year. We just started a new one last week in man, we It's changed my wife myself, my wife's life. That Nick, you're here with us. Today. We've seen a variety of different families in our church just greatly changed by the program and man. It's just his body in a whole new attitude. But one of the things going through it is that we're looking to borrow around $2.2 million to build a new sanctuary. Scripture says Borrow is slave to the lender. You're Dave repeats that often. And so I thought, Do you guys think it's hypocritical for a church who is practicing the principles of Financial peace university in their personal lives to go out and borrow money in a church setting? So before you answer that. As as somebody who used to meet with people behind closed doors right on hard conversations. You get a sense when somebody already has an answer in their heart as they're asking the question? You know your friend So, Andy, I feel really strongly that you have unanswered Yes. Walk us through where you are and how you got there. Okay, well, it's goes a little further than that, Even and so, Um recently. God's been doing great work and me just do this last year, and so The thought process is, is that number one? The answer should be. No, we shouldn't. We should practice what we preach. And if we tell you to do in your personal lives we should do in our church life. Secondly, the state Ellen always kind of different right now, and I don't wanna go too much into that. But one of the things that we just started in our churches to actually help families. The the educational institution. Illinois is not good. And so one of the reasons for starting Fbu was to help our families live within their means so they could help Ford Christian education. And so this year our church started to adopt this program where we will partner with the family for up to 50% of biblical education. And every one of our every one of our members just wrote that And so one of the thought processes is we would rather We would rather educate our Children than build a building. But at the same time we're literally had a room, right? And so It's one of these catch 20 twos, but you know, it's hard to go borrow $2.2 million. When you're telling your family's man live within your means going to biblical education and rice. Yes s so it's It's a difficult situation. So I've got a really strong, visceral reaction to this question for a couple different reasons, But I want to turn it over to the wiser. Calmer one of us first. What you think, Rachel I mean, you answered it. I mean, my my answer is going to be. It's consistent, so whether it's a busy someone's opening a business. I never tell them to take out a small business loan. For a church. It's the same way and what's difficult, though I understand it's the building constraints, but I'll tell you here, Ramsey. We were in a building about 10, Miles north of where we are right now, and we're outgrowing it. And it was like man, but there wasn't cashed their toe. Toe by something, and so we could have taken a loan out. Build something like this, You know, years and years ago. We rent it out as another space and we rented another space. We're in five different buildings, and it was so inconvenient. It was not fun. And we had like a little shuttle that went around and like, Oh, it was just it was it was not. It was not ideal. We move at the speed of cash around here, and we do that, because we really do believe that borrowers slave to the lender and you're at your whole paradigm shifts again, whether it's a church Whether it's a business what, whether it's your personal life When you owe someone money, the way you look at things, and so To be able to say, man, I we invested into this program with what you guys are doing. What? How creative and how amazing and fun of that education and just move at the speed of cash just save over time, and it's going to be uncomfortable. It's not gonna be fun, but also Cove it Hello. You know, I mean, you couldn't meet for for months. Probably. You know, so like it it really thank God for Cove it If you wouldn't borrow two point, totally helpless, familiar to 2.2 million. It could even use it. At that point, so that was that. Maybe God may have said is true right there for me, it Z that and I get real personal with it being Tell teenagers have told teenagers for years when they're whining about their parents. This and that my parents this and I always tell them if your parents are paying for that car they're paying for that fill in the blank. They get to speak into it. It's theirs right and Any time a church a business me When I hitched myself to somebody else they get to tell me what to do. That's just the rules. Right? And I think sometimes, um I find myself speaking out about It's not cause I hate institutions. I think institutions actually do wonderful stuff on broad big scales. But, man when I owe somebody They get to tell me what to do. And there's a lot of yelling and screaming these days and people don't they forget that man. I hitched myself to that wagon most most recently in my life. I haven't had a mortgage in a while, right? Got one recently and I'm having trouble sleeping because I am now in debt to the bank, right? And they get to tell me No, you're gonna keep going to work every day. You're going to keep fill in the blank, right? Right. And so I'm going to tell you I think a remarkable conversation for a leader in a church right now is to stand up and say is gonna be messy. We're gonna figure it out. We're going to the right thing, and we're not going to hitch our wagon to a state of bank of federal government or whatever. And it's not. Is it going to be inconvenient? Yep. We're gonna have to have 14 services and do all this weird, Whatever. Yep, right. Um, but I think it's the right thing to do. I'm just grateful for your heart. Absolutely. And I'll say this, too. As someone who attends a church when I know because our churches that free they paid off all of their buildings at about four years ago, it was incredible. And so now I know when I tied It's not going to Bank of America. You know, it's not going to an interest payment. It's Larry going to a single mom because with the whole car's mystery, and it's buying single mom, cars like that's like, that's what it's got, like It's going. It's going to my pastor right to help pay his daughter. What the church staff like I know where my money's going and as a as a someone who tides and gives, I'll tell you the heart of your congregation to have that conversation with John just said. Yeah. That builds trust. And honestly, I think that's a that's a beautiful conversation just to say it out loud. Yeah, I'm only putting 1 ft on the soapbox here because I get myself in trouble Jump. I wish every Every church in America any denomination? Would have a hard look in the mirror and say, how much money are we paying to the salaries of our local bankers? That could be going to feeding the kids in our communities that could be putting kids in schools that could be helping single moms?.
"rachel cruze" Discussed on KTAR 92.3FM
"Special Valentine's addition of money and marriage streaming live to your home Friday, February 12th at 7 P.m.. And again, Dr John Baloney. Rachel Cruze. One thing for sure. If those two are speaking, there will be humor. Oh, they're going to have fun. The two of them are. They're just funny. We may have to be there to make sure they do what they need to do. You cover the material. We gotta hit the stuff. They just get to cutting up. But listen, you're gonna don't know anybody else. Who does that stuff? No, not you and I were straight laced. That's right. Stay with the business. Always. We never. We never stray Never, weekends with burning, but I'm twice, sir. Two or three times an hour. Here's the deal if you were part of Ramsey, Plus you better get on over there and reserve your seat because you get a chance to check it out for three. It's a part of your membership, man. Check it out How it works Date night. How it works. I love it. This is the Ramsay, chef. Que ta our news flash at 12 45. I'm Jeff money. Here's what you need to know. Right now. Arizona reaching a huge milestone for vaccines today, According to Governor Doug Ducey, the state is now administered more than one million doses of the Corona virus vaccine. This comes as a third state run vaccination site is expected open next week at the University of Arizona in Tucson. The impeachment trial of Donald Trump. The second impeachment trial is resumed.
"rachel cruze" Discussed on WTMJ 620
"Showed triple 882552 to 5. Let's go to Josh in Tyler, Texas, Josh what's going on then? Hey, John. Hey, Anthony. How you guys doing? Good. How can we help him? Uh, I am. Then they I'm not married, Uh, pretty unique financial situation. A blessing. Um, but we're one step three. You were saving it for a down payment on a house. Very cool. And my wife's a teacher, but My end of the unique part of the Maya made Youth minister at a church, But we Like I'm getting my master's program and the program. My natural the green. The program that pays for my master's degree is also paying for housing. Okay, so we were gonna go the traditional. Um, uh, manual underwriting way, but we have no rental history. But we won't have to, Bill. Um And so are my question is really shit. I'd be You're trying to get angle underwriting way to go about getting a house or just have credit cards. Gas on Lee? No, No, no, no, no, no, no, no, no, no, no. Yeah. Uh, Josh, I'm gonna definitely thank you for doing ministry mad. I know exactly where you are and where you're coming from, because before joining the speaker's group here, I was a full time. Minister is well within the Gospel and I had the exact opportunity. Same opportunities you to where I could. I had housing had a housing allowance. And so for you right now, the main think is too. Yes. Reach out the church her mortgage. On. Just tell them your situation on Yes, they will help you get a home mortgage. Okay, Andre. So what I would recommend is how much money do you have down to go toward the house right now? Well, it's we're trying to figure out what to do for the next years happened in this program for longer and we will have. I think we're looking at 30,000 for a down payment for more than 25% Doctor, So you don't have $30,000 in Texas. Oh, yeah, that's good. You can get to a nice little Home out there for about 200,000 to 25 to 50 if you want to stretch it, and that's a beautiful home in Texas. You know, I'm kind of jealous of the homes in Texas, you know, because you all can get a 5 6000 square foot home for for you. No quarter of a mil. That are here because is Amelia. And so I think that's a great route $30,000 and Well, why What you're doing right now is I will go ahead and call church her mortgage and just start building that relationship with them. Tell them Hey, my time frame is about a year and a half going ahead and allow them and pull your foul and let them coach you on what You need to be doing, but right now, just be renting and just pay off your stuff on. Just pay your light bills. Utility bills on time. Keep track of that. And you're gonna be all right, man. Trust me. I did that. Maybe it was perfectly fine. All right, Josh, you, Mary. I am. It's just me and my wife. How long have you been married? We have been married for gasping almost two years. Yeah, that's the number you gotta know if top of your head man. Yeah. All right. All right. So here's what I'm gonna do. We've got a February 12 at 7 P.m. Money and marriage live stream me and my good friend Rachel Cruze. I'm going to give you a free ticket to this event that well, you could have a date at home. You don't have to go anywhere. Y'all can dream about what this home was gonna look like that you're going to buy. You can learn a couple of tips on how to stay married and connected in this madness season that we're in. And you can also learn how to deal with your money together. So hang on the line, and Kelly will get you hooked up. Let's go to Jack in Charleston, South Carolina. Jack, what's going on? Hey, guys. Thanks for having me on the show. Good to talk to you. You too, man. Thanks for calling. What's up? Yeah. Alright? Umm, it's just sort of a general question I wanted to bounce off of you. Um you know, my wife and I we Oh, about 418,000 on our mortgage. Okay, But we have a rate. Really Nice ray that 2.375% for 15 years because refinanced Um, we don't have a ton of debt besides the mortgage Listen, I have a jack was not what's not a lot of money. That you have? Yeah. How much did you have? On the mortgage 418,000. Okay, So that's it. You don't have any consumer debt. Well, you know, we pamper her cards every month. There's nothing way have all of our college state off but two kids in college And they're pretty much paid off. You know they're from turning on plans so That I'm not cool in pretty good shape. All right. So my question is, we have this joint investment account, which is basically just a bunch of mutual funds that are, you know, Hopman Bar financial advisor. And we have 770,000 in that account. Okay, So my question is, you know, we're making decent money on that could be 8 to 15% of just depends on the year isn't wanted to drain that account and pay off the mortgage where our mortgage rate is is only at You know Timon breach 75. Let me ask you this question Do you have what's your retirement situation? Look like looking like any for one case, and he rocked. I raise. What's your retirement fund? Okay, give me those who do we wait? Yeah. We have 41 case in my wife and I We also have a, uh Ralph are right and the total amount of about two point 5,000,002 2.0.5 million in both those Come by. Oh, come on, okay. You have a $408,000 mortgage and you say you have no consumer debt. And then you outside of what's your savings account? Look like right now. As far as an emergency fund, you're pretty good in that area. Yeah. Yeah. So, you know, um You know, we have covered up 70 or 80,000. You know, in savings, or only that we can get to pretty quick without taking any capital gains, you know, hits great. So what I do is like right now. I am actually stacking money into mutual funds right now to go ahead and build my dream house in the next couple of years after I did marry, And so when I find my house, right, I'm gonna withdraw from my mutual funds and I'm going to pay cash. For my dream homes. So in this situation, would you already having $2.5 million in your retirement funds? You already have a fully funded and.
"rachel cruze" Discussed on 710 WOR
"Chris Hogan, Rachel Cruze and Pastor Craig Rochelle. We're gonna give you the motivation. The guidance the step by step plan you need to hit reset. After 2020 something you gotta You got your wake up call. And you want to say goodbye? The money stress You don't ever be left in a position again like that. Text the word reset for the free livestream text reset. 2 33 789 text reset to 33 789 Or you can sign up. Dave Ramsey dot com slash reset. If you're in the Oklahoma City area, that's where we're gonna be doing the event at life, Church stop TV, Then we have a very, very limited audience due to spacing or social distance singer. Whatever the crap, you call that stuff. Anyway, we're gonna be there and there's some seats for 20 bucks. That may be gone by now. But go to Dave Ramsey dot com slash events. If you're in Oklahoma City, and you'd like to come out and watch the event live, we'd love to have you We will have a small studio audience. And, um There's a little over 100,000 already registered for the last three mom Tuesday night, so make sure you get signed up. It might be one of the bigger events of this year again. Reset text reset to 33 7 89 on the debt free stage with a question in the lobby of Ramsey Solutions. Preston is with us from Destin, Florida. Hi, Preston. How are you doing? Good. How are you guys? Better than we deserve. Understand? You got a question for Dr John. Yes. So it's in regards to my brother. I'm flat scope for years. He's Progressively worse with alcohol. No, it's gotten to the point Now where? You know we're starting to see. Some resentment between them. We're starting to see, you know, pretty much no affection between him his wife. You know, there's there's just not much there. You know this past Christmas at movies. They didn't sit together. You know, there was no Affection to each other. I mean, they're just kind of there. You know, we've we've tried talking to him. I've tried talking to him. My parents try talking to him. Um, you know, my grandpa who was in the same boat almost lost his marriage to the alcohol when he was young. Try talking to him, and I mean nothing. Nothing's getting in, Um You know nothing. Nothing to sticking with him. My his wife has tried talking to my parents about some situations that have happened. And I mean, just Nothing is working. And we just don't know what else to do When we hear that the marriage is is going down the wrong road. Yeah, I'm sorry for you, Preston, that that's how old is she guitar. Now he's 24 older. You 20. Okay, So he's a young guy, huh? Yeah, way. We've been two peas in a pod since birth, and when he's he's not let me and I have tried and He's just stares. He's not really He's not really open, so How can I help man? I How about I guess what else can we do? You know, we've tried Different angle was my mom has tried the loving mom mingle. My dad is kind of try the tougher dad angle. I've tried the You know, Brother angle, and I mean, he's just Orphans working. He's shutting everyone out. He's he's shutting his wife out, and it's just not Don't know what to do. So, for some reason, you may know you may know part of it. You may never know He's running from something, and he's found something that works in the time being, and it's gonna cost him everything. And there's nothing worse than watching somebody you love just slowly sink right and you got your hand out for him and they just choose toe. Hold tight to that bottle to their heart. And they just as you watch him go underwater. At the end of the day. Addiction is a connection disease. I only like using the word disease. It's a connection issue, okay? And so I think you've got to find that sweet balance between letting your brother never forget. Always know that you love him and you care about him. Um And that you will go to the ends of the Earth Forum. And at the same time you have to protect your heart. You gotta protect your family. You've got to make sure that you don't get suckered into Funding his lifestyle right that you don't end up being an enabler and empower, right? And so I think you What I've seen effective in these situations before is you've got to get with somebody that you trust. But your mom or dad and your sister in law, you'll have a hard conversation about a possible intervention. You have a hard conversation about what boundaries they're gonna be. And then I would love to see you sit down and write him a letter. And here's why that letter's important. It gives him a Touchstone. He's gonna roll his eyes as soon as you start talking brotherly stuff to him. He checks out right? That letter's going to something he's got with him, and it gets to hold with him, and it's a place for you to be vulnerable and honest with him. Let him know how you feel. But he'll go back to that. And go back to that and go back to that. And it may be two months, maybe six months, maybe a year. But eventually he's gonna hold onto that thing as an anchor, a tether back to land. And at the end of the day me and you've got to protect yourself because you're no good to anybody. If you're broke, and you're sick, and you can't you know you can't sleep because you're worried about him. You're not putting your oxygen mask on first. You gotta take care of you, Um, day. What do you think? What's the letter say? The letter says. I love you. The letter says. It talks about the history you'll have together. It lets him know that he's ANC whether he thinks he's untethered, etc. He's anchored into you. He's anchored into this family. You'll love him. And that you want to see him come home, and that love is not going to change the where how he feels that love my change, But your side if it's not gonna change So you don't say anything about Uh, that you're disgusted with this behavior. Oh, absolutely. You hold them accountable. Okay? Yeah. On the back end of letting him know how much you love him. How much is tethered in? You Let him know that the life he's just like I love you. I hate what you're doing. That's right. And you're hurting yourself. You're hurting everybody around you. We want you to come home and we will be here when you come. Yeah, that's not. That's a good idea, and plus probably Um, it might take you a little while to craft that letter, and it might help you. It will free you too. That's the That's the secret side. I don't tell people that's gonna It's gonna untether you from the outcome of your brother's situation. Here's the hard reality..
"rachel cruze" Discussed on 710 WOR
"Well, it's that time of year when we take a closer look at our finances. And as you go over the numbers, you might want to do some personal accounting as well. There are apparently deep reasons for the financial choices we make. And joining me this morning to talk about this. The author of the book Know yourself. Know your Money. Rachel Cruze. Good morning, Rachel. Welcome. Awesome. Thanks, Joe. Thanks for having me on. Oh, my pleasure. Look in your book. You go over the choices that we make based on our tendency to do things like spend versus save. Um, are these things built in? Ah, Can we change these tendencies? Yeah. I mean, there's elements that you can change. I mean, ideally, within the spectrums of each tendency that you have a middle ground if you will, so either extreme could be unhealthy. But that middle ground is key. And so when you do understand that your tendency are you naturally a spender or a favor. Do you naturally want to spend money on experiences or things? Are you abundance minded or scarcity minded there? Seven of of them I talk about in the book. But understanding those is so key because you can start to really get under the foundation of why you're making your Money decisions and asking that why question is going to help you change your bad money habits but also just really advance you financially. It's kind of like a counseling session almost as opposed to seeing an accountant about your finances. Yeah, it kind of is actually got this book is an interesting one. Because for 10 years I've been talking about the how to of money. More of that tactical side of how to budget. How to get out of that. How to invest how to give and I started realizing that personal finances 80% behavior. It's only 20% had knowledge. Mostly, we know what to do with money, but doing it and actually changing our behavior is difficult. And in this new year, 2021 people really have these goals with their money. They have gold, too. Get in better shape. Physically, they have goals to quit smoking. They have goals to change their money habits to really get a grasp and so again understanding that behavior and getting to grow the grass of that It's the emotional side of money, but it gets under that foundation helps you very much. Now you talk about personal money mindset in the book. How is that established? Well, your personal money mindset is going to help you understand? Okay, This is how I'm viewing my money and some people, their mindset of skewed their mindset says Well, I have to live with that Their mindset says there's no way I can live on a budget. Their mindset says the more stuff I have in the more money. I spend a happy I'm going to be, And so you really have to lay out and look at these values in these principles of how you view money and possibly reset your mindset in some areas to really help you win financially. Sadly, 40% of Americans They let they can't cover a $400 emergency and cash. And so it shows that your mindset is not set towards spending or towards saving. It's set towards spending and so understanding your mindset is really, really important. Something about mind sets. I mean, what is the mindset of someone who is going to be thrown into chaos if they get a $400 bill? Yeah, well, that mindset is a lot of stress and a lot of fear. And so part of the book, you know, we talk about the emotional side of money, but also the tactical side and so getting people in a place where they have a really solid financial foundation under them is really important because this fear takes over and fear is a terrible financial advisor and, sadly in 2020. A lot of people experienced this because they were laid off their furloughed. Or even just the fear of it happening, And so when fear takes over again, you make some really bad financial decisions and so getting people in a place where they have a solid financial foundation under them. They have an emergency fund in place. They're working their way out of debt. Help someone times like that $400 and see pops up. All right. Well, your dad is Dave Ramsey, who we hear here on W A war of course. And we hear you as well. But eh, So I'm sure your tendencies were good and were instilled in you at an early age and In the book. You say you do. You're passing on, Um, the money formula to your Children, and your formula is give save And spend. Tell us more about that. I also noticed that spend his last. I mean, is that last for a reason? Yeah, it is left for a reason. Yeah, that the list is in order in order of importance and so doing it for ourselves as adults, but also like you said, teaching our kids because part of getting yourself in a place financially where you have control over your money versus your money Controlling you. Not just helps you but it blesses your family and it changes your family tree. Your kids are going to be impacted by decisions you make and they're watching you. Your example is huge and so understanding that giving his key. I mean, no matter where you are financially, I say, give a little until you can give a lot be giving something, making that a habit in your life where you live life without open hands and then next to saving, make sure that you are saving again. People do their budget and they get down to the bottom and they say, well, I have no money to save and I'm like, Yeah, That's because your budget is upside down, Make it a priority so that.
"rachel cruze" Discussed on KTAR 92.3FM
"Rachel Cruze Ramsey. Personality is my co host today opened phones a triple 882552 to 5. We're talking with Carrie in Dallas, Texas, You end up $70,000 in credit card debt as the interest rates went from zero To full blown as they always do. She was unable to make the payments or friends suggested she stopped. And that's about how far we got in the conversation. What else was going on Miscarry? Insert. Well, I started working your program last month are reached out and a financial advisor found me and we've already met. She's got me on a budget. Um She have done plastic surgery of Donald her from work. We're meeting Friday that again for the movie Things are actually going great. So you actually while you're out of control, you're starting to feel in control. Maurin control Abney. This the first time I've ever been on a budget before I checked out every dollar, But I think with all this default debt, I felt that you need a budget or why in Maybe dot com was better for me. Don't because of all this unknown. I don't know. I don't know that you don't know everything. Okay? Yeah, it's gonna be much better. You just need to run to death. Snowballs is all Okay, so I've got all my default, but I settled. I just settled and paid. Two of them are not two of the cards off myself. I got summoned for two others through the same collection agency law firm. And, um, I did get a lawyer for the first one and could kick myself because I realized I could do it myself. Um, so we he settled for me on the first one. And then I guess it gave me the template to know how to do it. Um, So that's what I paid for, but I settled the second one. My question is, um Under that snowball with those It. They're gonna be coming at me. You know the different amount or coming at me and once it goes I'll get a summons. I've got to settle those out, you know? Oh, I don't. Okay. Um, I could sue you, but they can show you but in Texas, they really can't do anything. I thought they could get control of my bank account, which would be not in Texas. Not in Texas. I thought they can't hear. Well, you don't need that. You don't need to give him your bank account information. Right. Well, I figured I could just switch bank accounts if that were the case. Okay? Yeah. So okay. We're gonna let we're not gonna let there. We're not gonna let them create the emergency. We're gonna let you create it. So all of these in this entire $70,000 is in default. Mm hmm. Yes, okay. And what other deaths do you have? I only have my my home room, which 1 78 on that time. I am current. I'm current on everything else. The car seventh of 7000 Perfect and still 12,000. My income is 78,000. Okay? And I'm also working I've been doing over eat. Inside delivering, and I was able to pull in $500 last week. So where'd you go? Um Planning to just keep attacking that as well. You're inspiring E mean you're inspired, You know, you made a huge mess. And then when you decide to do something about it, you've got a template from the lawyer. You met with the financial adviser. You're working your plan. You picked up an extra job, But you made a budget. You're doing everything. You are really on fire. I'm so proud of you, but I do so I am And I just want to keep the fire and you got a zoo. You get little summons. If you want to stop and settle those that's fine. But if you get one, that's a huge one. Just let it sit one coming up. It's like $8.8200 and I program. I spoke with him on the phone on and she wasn't willing to talk to me without she wanted me to make a good faith payment. So we're not doing that today. Um I just need to know that you would be wrong on the settle four. So I can you no plan for that and be able to give that to you in a month or two. And she goes. I can't do anything with you right now. You know, don't hang up. So I said, Go ahead and slammed the phone down just for the satisfaction just for the satisfaction. The woman is she's gonna act like she's a test pilot for a broom factory. Treat her that way. Okay? That was her decision, not yours. It's not, You know, that's all a technique that's called intimidation. And don't don't let him do that to you. You got a plan? You're on fire. You got a system. And so what You're gonna do Let me here's what's gonna happen. Okay. You have three different. Uh, summons and or collectors coming at you and you have $2000 sitting there. This is in the future. This is in the future. What you're gonna you're gonna mess with everyone. I'm you're gonna go. I got $2000, who wants it first. If you take it, you will get that as a settlement on $8000. That's behind door number one. If you don't, then we're gonna go to door number two. And whichever one of you calls me back first. That's who's getting this money. I'll get back to the rest of you later when I got some money, and this is a game show, baby, you know and just have some fun with it right. And then you know how to settle it got the template to do that. Get it in writing and do not allow them electronic access your checking account. What? Why? They don't know where the flip it is. Right? And they don't clean you out while the rest of your plan that I did settle on this law firm. I did the two that I've settled on. I do not need to pay online or anything like that. Or because it is in a settlement and my safe to just go online and pay them or do I need to do the cashier's check every time? What do you think online means? They have your bank account information, do we? Oh, they would do not do that. Okay. That's what I thought. I just want to tell because they once they have that if there Unscrupulous and some of them are they can turn around, clean out your bank account. Okay, So you're going to get around the working with everybody. We're not trying to ditch him. We're not trying to be a deadbeat. We're just not going to be abused, and we're gonna play them against each other until we get through this. I need to start with my default Bet Snowball. Charles, the largest on that I do have three cards that are current. Um, I'd knock them out. If you can go now. I'm not coming out again. You're going to knock them out. And you know again. I thought my father was saying telling me different and I well, normally normally what we tell you what your advisor was trying to do. And normally what we tell you is Run to death snowballs, run your current stuff and paying all first and let all the stuff that's in default. Just sit And once you've gotten another car payment and the three active credit cards, everything but.
Organic Traffic Strategies To Grow Your Audience Quickly
"An excellent first. Date is kinda like attracting organic traffic. You wanna show up authentically so that your audience can you and if all goes well you want them to come back for more and if you show up time and time again and you build a relationship and hip hit things off in time you might want that person to commit to a long term relationship aka subscribe to your email list and eventually become a loyal customer so you see the connection right if you want to attract organic traffic. You've gotta show up authentically show up like yourself right from the get-go be real. Listen more than you talk and really make the time for your audience and then from there show up consistently build that relationship add value. Make your audience's lives better and well. I wish there was. There just isn't a magic bullet for growing your business with organic traffic instead. It all goes back to something. I've been preaching for as long as i can remember consistency. if you're not showing up consistently at least in one place. The strategies we talk about today won't work. I don't want this to discourage you. I say that to get you to commit to creating consistent content. I don't care if that's a blog or podcast or youtube video or facebook live or instagram live. It doesn't matter what matters is that every week. You're building that credibility and dependability. For new en- loyal followers. Because it's one thing to podcast weekly decree to lead magnet. That's enticing to your ideal customer but what if you're just starting now just because you're creating content consistently in you have an awesome free. Be to put out. There doesn't automatically mean your ideal customers are going to easily find you like that and magically jump onto your email list. I'm snapping emphasis there. I wish the old saying build it and they will come true but in the world of online marketing you have to go out there in capture attention. So commit to these three strategies. I'm going to share with you. Commit to showing up and commit to growing your business deal. Let's dive in the first strategy. Is all about hitching yourself to other experts publications or established influencers in your area of expertise. And don't you worry. I'm gonna give you an example of just how to go about pitching yourself even if you're just starting out now here's some ways you pick yourself as a guest. However this is not an exhaustive list and various for every industry. But it should give you an idea and get your creative juices flowing now. You could guess blog. You could be on someone else's podcast. You could join someone on their instagram or facebook. Lives or maybe you get featured in a media outlet. But here's the deal first step you wanna sit down and brainstorm all the possible businesses and experts that you could connect with depending on your niche. Maybe you want to spot in parenting magazine or maybe yoga lifestyle. Or perhaps you're a social media expert and you want to be interviewed by jasmin star on our podcast or you're in the finance industry and you want to join rachel cruze for facebook live. You get the point. I say big now to make this happen. We have to start with your pitch angle and how you'll position yourself. It's always important that you lead from a place of service and give a ton of value instead of making your pitch about yourself. Make sure to make it about their audience in terms of what their audience wants and what will resonate with their audience. The most but good news. If you come from a place of service right from the get go you will stand out. Among all the other pitches that they are getting on a daily basis. Now in addition you'll want to take your story or your expertise and make it specific to that publication or audience. So this is really important. Your pitch should be timely relevant. That means do your research take at least a week to do a full immersion. I don't mean the entire week. Just take some time throughout the week to do a full immersion into their content and into their audience. Get to know them on an intimate level. Here's how the pitch yourself and just know. I have a free resource with a pitch email. Template in the show notes. So go to amy dot online forward slash three five to amy dot online forward slash. Three five two. Now also. if you're nervous just remember that if you never ask it will never happen. The worst thing is that they could say no. And you're not gonna die. You're
A Message of Hope Series: Dave Ramsey, Rachel Cruze, Ken Coleman
"It's just a hard time in our culture right now certainly in the United States and for that matter around the world so the first thing we wanna tell you this I'm old you can tell I've been there and we're GonNa get through this. You're okay going to work out. I was there when Y. Two K. Was going to end the world and it didn't and businesses went crazy and jobs were amiss and the economy was crazy and I was there after nine one one. Some of you weren't born yet understand but there was a time there that we really worried in America and we grabbed hands and we were unified but the stock market took us on a ride and the economy took us on a ride. I've been through a couple of flu. Breakouts of different names and people were scared. Nothing like this particular virus or scared. Everyone but I've watched a lot of people be sick. And it's it's a sad time in America in that regard went through two thousand seven two thousand and eight and I did one hundred seventy eight media hits and about seven days in those days because it was crazy and I was trying to tell people to calm down to not cash on everything and not abandoned. Hope because if you haven't noticed there is one thing more contagious than this virus. And it's fear it's airborne and people me you don't social distancing won't even help it's coming through your television screen. It's coming through. Your news feeds on your computer. It's coming from friends and relatives who normally were pretty level. Headed people better panicked right now or at least scared or at a minimum concerned. So just hear me loud and clear your okay. We're GONNA get through this twelve months from today. You can write it down right now and you can send me hate mail if you want if. I'm wrong but twelve months from today we're GONNA look back on this and go. Wow that was rough. We got through it the same thing. We said about those other calamities in crisis that I just outlined COUPLA principles that we're going to get into tonight number one is my friend. Art Laffer says no one makes good decisions when they're panicked or when they're drunk out some of your both some of your chosen one over the other. Some of you are just panicked or at just in a moment in time just in a five minute period of time you can become panicked and do something that takes years to get. Your family passed the mistake that you make while you're out of control. Your critical thinking skills. Just dissipate when you're panicked. You've got to calm down. Calm down our friend and other personality Dr John Bologna. He's a crisis counselor and he says when you're in a crisis facts are your friends facts or your friends and you have to control your input. What is coming into? Your brain is a continual news feed of fear. You watching the news channels. Twenty four seven. I gotTa tell you there's very few people have strong enough spiritual constitution to do that and not cave to the fear. I don't do that. I'm a part of that media. I'm on all the shows on all those stations. Those people are my friends that I I am not going to sit and feed my brain that all day long. My friends exemplary used to say when he was alive he said every morning i read the Bible and read the newspaper that way. I can tell what bowe shots are doing. So this is real. You got you have to control your inputs. And you have to have self control over your emotions when you're panicked. Some of you are You're just melting down. You've lose your ability to make good decisions other times. You're getting Maine and you're being nasty each other or your shaming people on your facebook page. Because they didn't do exactly what you thought they ought to do one way or the other but people that are normally nice people when they get in this funk emotionally or being very unkind some of. You've been unkind to your own family and you ought to be ashamed of yourself. So you've been unkind to someone in the drugstore because they walked across the Dadgum Blue Line and you lost. Your mind calmed down. We need a lot of generosity right now. The Bible says I'm a person of faith if you don't know in the Bible says Jeremiah. God says I've got a plan for you and it's not to bring you Har- it's to bring you hope. Hope IS GREATER THAN FEAR. But it's a choice and no one can take your hope and no one can steal your hope. You have to surrender it. That's what has to happen. Otherwise you're not there and Rachel we were talking about this idea of just having a little bit of grace in our lives and we were talking about what we're going to say tonight. Yeah Maher theme through tonight really about controlling the controllables and how key that is In this process and that includes your emotions and your grace for people Kristie Right. Here's another one of our Ramsey personalities. Were friends we're talking on the phone just last week when all this stuff was happening and she made a great point and she just had we just extend massive amounts of grace to people. Because you never know what someone else is dealing with right. Because I'm like there's the two extremes of how people are dealing with it it's either like this is all crazy. I'm going to do whatever I want. Or it's the ones that are all you know. They're they're freaked out to do anything and each side looks at each other and they just they they they spew shame and Hay and everything. And I'm like man you know no matter what side you're on look at the other side because both both need grace and I think that's really important to remember that with your friends. Your family It is a time just to say you know what they're handling things differently than I would But I'm going to just take a deep breath myself and extend that when we're talking about United Teaching Leadership. Sometimes we're in these different settings you know when people are under pressure. Sometimes it's just financial pressure. We're talking about sometimes. It's other things but when they're under pressure it's the the bad parts of their character revealed sometimes and sometimes the best parts of their character reveal and and you need to be real careful to control that. That's something you can control. Yeah I think you're speaking to influence here not just for leaders but for all of us that I love the point Rachel that you made about grace you know this is a time where in isolation when you are around just your friends and family That they're looking to you to see what your cues are. How are you handling all this uncertainty? How are you handling the bad news? You know matthew five fourteen Dave Rachel says you're the light of the world. A city set on a hill cannot be hidden. Think that's a strong challenge to all of us to realize that in that verse. We realized that we have the opportunity in uncertainty. You could say dark times. We have the opportunity to be light as individuals as leaders. And we are all exposed in this. This is not a state crisis. This isn't a United States crisis. This is a global crisis and it is affecting everyone and each of us has a responsibility. David Rachel to realize that we are a city set on a hill in that we are doing life with some people closer than maybe we've been doing life with them in a long time due to this isolation and so it's really important as we get to this team tonight. What can you control? And we're GONNA talk through that tonight but really controlling Dave our response and there's going to be times where we all get squeezed and it reveals the ugly side of us and we all have the ugly side but we can choose this moment to say. Ooh I don't like that and I've got to change that because I am a light and I wanNA shine in uncertainty so I I think that's a wonderful challenge for all of us right