35 Burst results for "Ramsey"
2 Pilots Injured After a Military Aircraft Crashes in Lake Worth, Texas
"ramsey" Discussed on Dentist Money
"Do recommend that. Most dentists maintain higher savings rate than that I don't mind honestly this step where it's at in the process though i agree with that. I like this Where one thing i had a problem with. I didn't back then. Because i didn't know anything about investing would always say roth. Ira's he would always tell what accounts to put the money into. Which i don't think is inherently bad. But it's so much more nuance to where you should put your money. In moses don't qualify for roth iras anyway but it always say growth stock mutual funds. You know and i even know that phrase meant but i was just like apparently. That's where you put money. I don't know if we. I don't know if we have time to talk about his investment gordon quote investment advice in this episode. But if we did yeah we'll just say you can listen to dave ramsey for sure about some of this stuff even though we're gonna break all this down please please please please please do not listen to any of his investment advice. It is terrible. It's just not it's not complete. Do you own grow. Do do our clients growth stock mutual funds in their portfolio. Yes they do. Is that all they own in their portfolios. No they don't no it's not. I mean just saying invest money and grow stock mutual funds which is to be fair. I don't know if he's still says that. That was all i heard for years. Yeah i've heard relatively recent videos of him giving his investment advice so that that sentence of what he's telling people do completely ignores like risk allocation types of accounts diversification. Your specific situation. Yeah like is just so much but conceptually. I like that his Baby step number. Four invest invest money yes investment of urine is a dentist is going to be saved data or me more complex more nuance as most of our clients..
Personal Brand: How Do People Experience You?
"In today's episode. We're talking about building your personal brand which connects to our business driver of you guessed it personal our guest. Today is tim newton. He's the senior creative officer here ramsey solutions. And he's an expert in the field of branding. I sat down with him to talk about. What a personal brand is. Why it's important and the steps you can take to build the personal brand. You want to have then after our interview. Tim is going to coach. Some small business owners as they call in with their personal brand questions. You don't wanna miss that at first. Let's jump into my conversation with tim. Tim thanks for being with us today. No problem happy to be here. This is going to be fun. I love talking about branding and marketing. And you are the king of branding and in my heart. At least evidence appreciate it. Never mu so a lot of people You know rightfully so. Maybe have concerns about their personal brand how they're perceived Obviously my personal brand is being really rugged handsome intellectually you can tell just if you're listening on the podcast you feel you feel that i experience you. Yeah well i want to just get the definition out there because people have a lot of feelings about what a personal brand is. So how do you define personal brand personal brand really is someone else's perception of you like is is basically what it is. It's important like the thing. I talk about personal brand all the time because the reality is we are always making decisions about everybody around us just based on how they walk. Talk dress all. They're all unconscious decisions. But we're always making decisions about each other and so that's why personal brands important. I've had Team members tell me man. We we talk about personal bran. Is it really that necessary to talk about personal brand like is it really that important. And i'm like what i see where you're coming from but if people are making decisions about us every day then there's something to personal brand and when it comes down to it if it's people's perception of you a good personal brand equals opportunities and is if you have a good personal brand you have more opportunities. You had bad personal brand new fewer opportunities so whether we like it or not. We have a personal brand. Every one of us has a personal
How to Build a Brand Your Customers Rave About
"In today's episode. We're talking about building a brand which connects to our business driver of product. Our first guest is joe hamilton. Ceo vortex optics. A family owned and operated company. They've got three hundred team members. That aim to help you. Find the right optic for your outdoor adventures. I sat down with joe talk about. Why building brand with raving fans is important. Any business in our second conversation. I sit down with ramsey leader. Andy hi our executive director of digital marketing and we talk about how ramsey solutions creates raving fans. No matter what part of the business they interact with up first my conversation with joe around why every business needs to build a brand people rave about joe. It's good to be with today. Yeah thanks for having me. This is gonna be fun. You are leading the crew over a vortex optics and we got a lot of fans of yours here in this building But for those that maybe aren't familiar with what vortex does give us the high level. Yes oh vortex. Optics were a family owned business We've got about three hundred. Sixty plus team members were here in southern wisconsin and we primarily specialize in sport optics so rifles scopes binoculars spotting scopes red dots. We sell to hunting retailers shooting retailers bird-watching stores and obviously we support all those customers. Who buy that stuff. Yeah and you know you guys have done an incredible job with the brand with creating a community around this and there's a lot of optics companies out there you got a lot of competitors in the space and you guys stand out for reasons. I'm excited to dig into that But you said you have over three hundred sixty team members which is absolutely incredible. What have some some of the milestones along that journey from starting with just a handful of people now up to three sixty. Yeah there's been a lot of milestones. I think one of the things that we've been really good at is pivoting and trying a lot of experiments. We call him experiments over here along the way what's really led to the team. Members is just the fact that we use our flywheel. Jim collins calls it and that's where we take care of customers we over serve the customers and we give them so much value that they keep coming back they tell their friends about us and become customers for life
Mississippi Sending Support, Manpower to Louisiana in Ida's Aftermath
"Governor Tate Reeves, telling him to send what they were giving his state post Hurricane Ida. To Louisiana made the determination. Um, earlier this morning that we could release those federal assets today because so kindly stationed here because at that point, it was very clear and very evident that we could take care of ourselves. Louisiana Governor John Bel Edwards says the state's water systems have taken a hit 18 water system outages impacting more than 312,000 people. And 14. More water advisories impacting more than 329,000 State, also dealing with widespread power outages.
How to Run a Resilient Business With Marcus Buckingham
"Our first guest is marcus buckingham. He's a bestselling author in the world's most prominent researcher on strength and leadership at the adp research institute. And i sat down with him to talk about. Why building resilience on. Your team is so important to the success of your business in our second conversation. I talk with ramsey leader. Daniel ramsey our executive vice president of entree leadership. But how we do this ramsey solutions. How we create resilient teams so up. First my conversation with marcus around defining resilience for your team. All right marcus. It's so good to have you back on the podcast. How you been. i'm good. how the heck are you. Oh my goodness we're having a good time here in nashville. Last time i saw you was on the entree leadership summit stage Probably one of our both. I events back with real people and we had a great time. And you had this amazing talk about resilience that i want to dig into and you have a very different definition because your team. You guys have done so much research on this topic. And i want to hear from you. What is your definition of resilience resilience subject that is on. Everyone's mind at the moment isn't it. It's like how do we keep going in the face of everything that we're all facing. And so whether you call it stick to witness or whether you call it assistants we all on some level know intuitively that it means. Do you have the will to absorb everything that's hitting you and yet still keep contributing but we wanted to dive into more detail and actually find out. What are the components of this thing called resilience. So our definition of resilience was simply. It's a reactive frame of mind that enables you to withstand obstacles bounce back and give your best a reactive frame of mind that enables you to bounce back and give your best different engagement by the employee. Engagement engagement is a proactive frame of mind. That enables you to contribute your best. So it's a a proactive frame of mind on. What are you focused on. And what your strengths. That are in play in how you collaborate with others. That's what engagement is resilience is a very different thing. It's a reactive frame of mind.
Caleb Smith Suspended Ten Games for Foreign Substance Violation
Larry Fitzgerald Doesn’t Have “The Urge to Play Right Now”
"An interview with Sirius, XM's Mad Dog Sports Radio channel. This is what wide receiver Larry Fitzgerald had to say about his future in the league for now would be a radio broadcaster, right? Not to be honest with you. I just don't I just don't have the urge to play right now. I don't know how I feel in September, October, November, moving four, but I just today I just I just don't have the urge. The 37 year old did not officially closed the door on returning to the league, but did say for now he does not plan to suit up this season. Fitzgerald has been leading the leading man for the Cardinals franchise. Over the last 17 seasons. He has led the league in receptions, twice recorded 9 1000 Yard seasons earned 11 Pro Bowl selections and an all pro selection.
Jalen Ramsey Sets the Record Straight About His Matchup With Hunter Renfrow
"These reporters Say that Hunter Renfroe burn. Jalen Ramsey. Is that right there, Traister? That's what they've been saying. That's called you Traister. That was a new one. Well, let's hear from Jalen Ramsey response reports. 104 burned him in practice, I guess, uh, some of their media thought that Hunter and pro had a really good day against me. Um And, uh, Still can't find the place. I don't watch the film twice and I still can't find a place where I was multiple times. Uh, But sure. Uh, I had one good catch on yesterday. Or, you know, six yards still look forward down with it. It's cool. I get that. You know, sometimes mentioning my name against going against certain receivers may given buzz, and they may pump them up some and this is notice that on the river because I actually think he's a pretty good player. I think you have some Cooper Cup in it. Um, but I didn't have no issues yesterday. Uhh! You know, watching the film. I played pretty pretty well yesterday, so maybe people just need to learn the differences between zones and man. I did see this one video that duck I just posted and you heard that in the background when I was playing it Now the ball is thrown overrun Hunter Renfro's head, but he does burn him.
Student Fatally Shot at Albuquerque Middle School
"Shooting in New Mexico leaves a middle schooler dead. Albuquerque Police responded to Washington Middle school Friday afternoon, where one male student shot another. Both are 13 years old. The victim was killed. The shooter was taken into custody. Albuquerque deputy Commander Kyle Heart socks says It's not clear if any other students were going to be targeted. He was asked if bullying may have led up to the shooting and said they were investigating that
6 People Dead, Including Suspect, in Shooting in UK
"England say six people were killed, including the suspect and what they're calling a serious firearms incident. But they say wasn't terror related, Devon and Cornwall police said in a statement. There were other people who were injured that they are receiving treatment.
Nutritional Psychiatrist, Dr. Drew Ramsey, Reveals Top Foods to Beat Depression and Anxiety
"Let's get into some of the nitty gritty here so somebody suffering from depression anxiety and they come to see you. What are some of the foods. The heavy hitters. You'll encourage them to at least consider to walk. People through food categories. That just have more of the important nutrients for anxiety and depression. Same thing i do in the book in a certain way which is focusing on food categories and thinking. Okay like mega three fats. Look important in the research for mental health and brain health. You'll only get launched into maintenance fee fast and a few places seafood or an algal supplement. Where does this person get it. And then how can we work on that food. Category in the book go through each of my favourite categories of food. there's a leafy greens and then thinking you know if i think if you in new think salad i want you to come up level your game a little bit and think more about things like pesto or kale chips or had incorporate dark leafy greens since your soups and stews. Same same with seafood. Think about okay. A lot of people don't have a sardinia anchovy game how can we help you work on the suit categories but those are some of my favorite foods in the book. I have a list of power players and their things like this anchovies wild salmon red peppers. There's some nuts like cashews and seeds. Pumpkin seeds are great. Another one of my players dark chocolate and so he's idaho's anxiety and depression. I'm not wanting to overwhelm them with this list of foods or make them feel horrible. They don't eat these foods. I hope that said much. More kind of hopeful. And empowering message that if you're not eating any seafood and you haven't been taking any omega three fats. There's some opportunity here to put some points on the board in terms of depression and anxiety. And if you don't eat a lot of plants and you have a lot of fermented foods. Wow you know the data suggests your microbiome which are all the bacteria in your gut. It's not is optimized as it could be depression anxiety. Let's try to have those foods. Endon soup that helps you. And i think it's thinking about nutrition as one of the arrows in our quiver when it comes to fighting and beating mental health disorders.
U.S. Rep. Sharice Davids Tests Positive for COVID-19 in Breakthrough Case
"Another member of Congress is reporting a breakthrough case of Covid. Kansas Democratic Representative Sherrice David says she says it positive despite being vaccinated, she says she has mild symptoms and is in
"ramsey" Discussed on Scam Goddess
"Was happened congregation. It's me lazy. Mostly aka scam got us back with another installment of scam got his and i am so what. Don't say yes excited. Y'all now i live. Yeah i do good bad ugly. Okay listen. I am very excited. I obviously in this every week. I really am. I always am and today. This is like my shiro. Mock whom we need. I don't know if you with my life outside of the scam. Pike cast but like this woman has helped me. Dad lifted me up. Made sir was killed. She is a producer. She's a writer. She's a creator. You've seen her on all of the things honey. She recently wrote her ike harley episode titled. I mean spray okay. She's a producer of the on the entire series. Honey and listen a blast. I love one someone and she's also hot. Which is obviously unfair. It's a scam. Jiro guy when they were turned up in the sky or whatever they give everybody some qualities you know they'd be like oh she can be smart as she can be talented and then there was like oops. We also jumped in a lot of fine very smart. Dammit okay. we'll just throw throwing out there guys decoded like you know this woman for this is she's that i'm sorry i'm rambling now. But guys francesca ramsey. Yes thank you. I feel like i love that. You talked about how hot i am for. Podcast where no one can see me. The apples photo on the instagram account of lee. You are not yes. Yes yes i need. I need people to acknowledge and appreciate and understand because you know you know you always come listen queue. it's worth out. Says you come looking q. Like this joe employment. Why that this cow. don't listen. You know what that is i am. I don't really do casual. i overdressed. I wanna show up and have people be like who is that. So thank you for appreciating nationally guys. Casual who i don't know the girl. I'll carry out on a treadmill and seven and geel and that's and we love that for you also coming. Francesca is an amazing decorator. Like zach for honey. Like i love you. Love looks. I love fashion. I love glam. This truly embarrassing. This is my podcast fucking closet. Y'all moves to undisclosed location because my address to be on an. I'm in my closet because my office doesn't have furniture to create echo. Like get rid of echo right. Now it's closet. we're obviously have enough things to create echo Because i love clothes. And i'm looking at francesca as she is in this beautiful room with this cute ass. Microphone and a fucking is that a highlight. What what do they call that. Oh the microphone or my life behind me. Yeah that like oh it's like led neon strip. It's a neon strip. And i decided that when i work out it's behind my peleton. A clue environment about a club and also painted beautifully. Does he's really cool things. We're like art deco a square. That phones in every place in my house has to be selfie ready. See you know what i mean you come over. I'm gonna give you lighting gonna give you color. I'm going to give you dimension and texture so that when you come over you have cute selfish to show everyone that you know you when you remember all those museums museum of ice cream and all those places where you to take photographs my apartment. That's my base. I'm going to send a season desist to all of those places because how dare they steal my swag. They can't come back. Postcode god out to the museum of ice creams sprinkle. No and now and throwing the sprinkles on the air and shit. Mcdonald's retire the ballpen. No no no i in their pre cova. I definitely those places are cancelled. I was a nasty hope. Pre pits. i was in the sprinkle. Like like i could have died. Why why was i doing this. Kid's second on him balls. And no. I mean i i am. I am very cautious in that way but like definitely hooked up in like a bathroom abroad like i've done some questionable. You know like you only live once very gossip. Don't but i love that for you to judge ovalles fuck. That was wild. Ooh skip skip ahead thirty seconds. The cathedral learning at the university of pittsburgh. I went to learn day. Did you get that at some point. 'cause you i feel like they have to write. It was the thirteenth tallest educational building in the world or something but they had to call it a cathedral because in pittsburgh you couldn't build buildings that were higher than a church when they built it. Okay so that like a scam. Learning of learning jesus you know. And then they built it up and it's q. And the i definitely in there on the psychology floor. Only gosh i love that for you i did. It was not wait friend either. A lesson he free woman. You can do what you want. You don't like. I'm not going to judge. You used to be extra with like. I don't know that people like turn the lights off. I learned that very late in life. I don't know. I think it's a personal experience for everybody. It was a handstand handstand. I decided to. You're like. I have not been doing yoga for nothing. Someone's gonna get these right. And now. I'm like i just want to my bags or ma'am pillow princess. Always oh goodness. This is a departure. Yeah we got jessica. We'll see edit some of this shit out for the girls. I may take it away. I trust you trust you but For just what is your relationship was scams. Do you love them. You hate them. Have you ever been scampering him mar okay so i really thought hard about this and i was an involuntary scammer at one time. I worked for. Telemarketing company voluntary. So let me explain. I did telemarketing in college for a company. That was scamming people. And i didn't know we were scamming. People telemarketing allows honorable look gave defense. It was a different time. Okay two thousand two. I was working for a robbery company out. We have no i. I feel like you should let me defend myself today. Y'all get stuff from instagram ads. And you know this was era. Where a telemarketer might actually call you and sell you. Something legit okay i was gonna interpersonal scam. She was like no we feel. We learned know. In hindsight. I totally should have known that we were selling a product called septic helper two thousand which was like something that you poured in your toilet like help it work better but then we would be like. Oh it's free and then you just have to pay for shipping but then you don't know is then we will ship it to you every month and you can't you can't stop it like it will just keep coming so we get a lot of angry phone got like. I had been working there a few weeks then. Suddenly the phone calls stopped being. You're interrupting me in the middle of dinner. And then the the phone calls where book you i got the septic help her shit all my house like what do i do and you know i was just training. Make the sales and get up on the board and he no yes. There was a book. There's a board or there was a board. Where if you sold. You would go up on the board. I just learn literally just now. About francesca for is that student. She she shows up early. She got her earlier to the zoom than i did. I always literally..
Q&A: Should I Take a Job I Don't Want but Pays Well?
"I owe will be twenty five next month. I just left itchy relationship. Where i live with my boyfriend and hits home so i had to move back with my parents Not really ideal for my age. I have no debt at all. And i really want to move out foot with my current job salary. I will be living almost paycheck to paycheck Recently earlier this week. I got a new job offer. That's almost twenty thousand. More a year schedule is not something i would want to work. It's an off shift. Its third shift. And then they said they might actually need to move to second shift. Possibly so i'm a morning person. I function best on a normal like work schedule. Normal sleep schedule but this job would be the answer to my prayers financially. I'm just really having a hard time deciding on what i should do. I think there's two clear options here. Morgan and i'm fine with either one. John you may come up with a different option. One you take the new job and even though it's not ideal for you. I didn't hear anything. That's really detrimental to your health. And it's a short term play. It gets you out of mom and dad's house fresh start after the two year relationship. You've got a lot of transition going on and making some mo-jo some juice a fresh start. Is it ideal no but is it the answer to your prayers financially. Those were your words. So i like that option and what we do is we take it and we have an eye to the future looking for the actual work we want to do. We use this as a springboard to the next okay. And i can address the next if you're wondering what that is. That's one option. The other option. Is you go all right. I just got a job offer for twenty k. More but it's not ideal but it tells me i am very marketable which is true and are in a great job market which is true and you can hang out with mom and dad a little bit longer and not be so ashamed of being back with mom and dad at twenty five after two year. Break up. I don't think that makes you a loser and if you need to lick your wounds to get healthy i'm okay with you. Stay in with mom and dad until you find another job. That may be more idea. I think those are two clear decisions. I don't have a problem if you pass on this one. But i certainly don't think it's a bad idea to take it and let it be the springboard to the next
Q&A: Should I Sell My House or Rent It Out?
"So About a year ago me and my wife had some stupid system. We've been married for about twenty minutes. Of course had to buy a house and we didn't have a whole lot of money for it so we didn't put twenty percent down. We put closer to five percent down and now we have a job offer about fifty sixty miles away. Certainly moving out of that house. And i'm wondering should be because i've been interested in real estate and property business because this is in a college town. Should i still kinda keep this house. Since he might be upside down. We tried to sell it while the fees included or should. I just try and throw as much money as i can to sell in providence. Profitable it yeah. Well it's not profit. It's just a matter of whether you write a check when you sell. It is all so get with one of our real estate. Lp's at ramsey solutions dot com. And find out what your reality is. This market is so hot. My guess is you're gonna get out of it that's my guess. And here's the thing. If you were living fifty miles away in working to new job you would not call me up and say. Hey dave i wanna buy a house fifty miles away with nothing down leverage it all the way up to what owes much on it as it's worth which means the rent is barely if at all going to cover the payment and so i really want to take on this liability fifty miles away. Nothing down by the way you wouldn't do that. that's effectively. What you got here house has got no equity in it and by the time you rent it for your barely going to cover the payment and by the time it's vacant a time or two and the heat and burps on you. You're gonna have a loss for the year. This thing is a problem. It is not a blessing. And i just heard the other day that they maybe today that they reinstated the mass mandate in california in someplace your one covert away. Your one tick uptick in numbers etc for colleges going back online and suddenly this thing. It feels like it's a sheer fire in college town. Not being so sure fire anymore. The guys i know with college real estate and it's not admittedly now lot. They're getting out. Just because it's so unsure uncertain.
Alabama Governor Says It's Time to Blame Unvaccinated for COVID Rise
"Thursday called out the unvaccinated folks for the rise in Covid 19 cases in her state a remarkable plea at a time when many GOP leaders are refusing to urge people to get vaccinated. Even as covid 19 cases surge in many parts of the country. Now let's head over to the Ramsey
NFL Players React to COVID Outbreak Policy
"We're talking about the NFL's protocols. Vaccination protocols, health and safety protocols. The fact that unvaccinated players and for staff if they lead to an outbreak, The team has to pony up money. Lost revenue. The players on both teams. Both teams lose game checks. And, Yeah, you get a loss on your record. You forfeit the game, But you getting lost. You don't play that game again. The NFL is basically putting it's foot to the next of players to kind of pressure them to get vaccinated. The NFL is a business that ain't messing around with their money. DeAndre Hopkins just semi threatened retirement and he was just like No, I'm Don't worry about it. He deleted the tweet. He's like, Hey, I plan on being here for nine more years. Jalen Ramsey said. Look, I am not going to pressure my teammates. He says. Whatever they do, they do. He says. I get it. I'm not going to pressure anybody. Stefon Diggs is talking about accountability is availability. He's in favor of, you know players getting vaccinated. Baker Mayfield says that it will be a competitive advantage for any team that's vaccinated. The majority. He says. It's way more than that. It's about safety, general health and well being of human life.
Investors Dump Stocks, Buy Bonds as Virus Fears Flare Again
"A reopening economy like airlines are plummeting as new covid cases climb once again in the U. S, especially among unvaccinated Americans. Some investors today are buying government bonds, which are seen as a safe haven trade when stocks are falling. Oil prices are
One Minute Leadership Thought of the Day: How Can You Get More Time?
"How can you get more time. Welcome today's leadership thought of the day brought to either leadership lifestyle. podcast time. This is something that everybody struggles with. Everybody wants more oven. You can't make more of it. You can only use it effectively so when i think about time i often think about dave ramsey the financial grew. And how he assigns a dollar to every name before the month begins before it spent before the income starts coming in. It's already assigned where it's going and you already feel like you've gotten a raised just by doing that. Well what if you did that with time. Really assign your hours of the day not being awake more not lack asleep but really aside even in your personal time is nurseries at sounds but just to get more time or you more productive time to get things done you wanna do and start doing some other things. Maybe you're not doing and get rid of some of those things are just wasting your time and not moving you forward so look at time. Like dave ramsey looks at money. Today's leadership thought of the day brought to leadership lifestyle. Podcast grow yourself just a little bit
"ramsey" Discussed on Ghost Town
"Jon Benet Ramsey. I'm Jason Horton. I'm Rebecca Leber in this is Ghost Town. Thursday we interrupt all broadcasts stop your news sources. Stop your social media feeds. This is such a weird week. So we decided to do a weird episode. It's going to be where do I even begin with this? I received an email last week from a friend who works at a very a large entertainment news source, and she sends me this email and I am at work and I don't quite get it and she keeps texting me. Have you seen the email and I'm like what email is this? And I open up this email and I start to read it. I immediately so much Jason I get the email. I'm watching Nightmare on Elm Street Dream Warriors, and I'm looking at the email and the email is so strange dog. Kind of jarring. I thought I fell asleep and I was in a Nightmare on Elm Street cuz it really freaked me out. I know what this was. It's all chopped up. It's a lot of fun. It's a lot we're going to get into English. So this is from again A friend of mine who works at a major entertainment news source, and this email is to CBS. It's too old Cathedral don't know what that is KTLA we've done that Washington Post et cetera CNN all of those things and it starts dear News Channel's slash news stations. I am Jon Benet Ramsey all caps. Please read and forward, please. So again, it's like we're sharing this. Okay excerpt below if from my attached full note report at bottom of email. The kid of different different size font a different font the kidnappers and Margaret and Matthew McConaughey photos below. We're also threatening me and my parents John Ramsey and Patsy Ramsey that my birth parents John Ramsey and Patsy Ramsey would be hostage again in the United States once no longer hostage at Selena Toyota in Romania salt mine where they are still so we've got that and that's just from Jon Benet Ramsay at the email..
"ramsey" Discussed on KSFO-AM
"Are people in Ramsey solutions search your site to see human beings it's been happening for several weeks but I never thought I would be just so grateful to him and being safe it's so good to see you there from all over and all you people out there you hear much another stuff yeah that's a good thing and we're glad you're here speaking of which on the debt free stage which means they probably are Nick and destiny or where this from Saint Louis Hey guys how are you welcome welcome your dad freon yes younger much you pay off of sixty five five thousand dollars and how long did this take tickets forty two months all right and your range of income during that time start off at thirty and ended up at eighty thousand well what I can jump somebody got a job just great after we first got married I moved up to where he was stationed and I don't have a job at first it was just his income we started the car that was the thirty yeah now we're both working now you're both going okay sure to military yes Sir go which French Air Force cool thanks for your service thank you it's very nature and you guys have been married how long the four years next week okay so right after you get married we start the debt snowball we start attacking the death yes absolutely tell me your story what happened yeah so we actually were going to a barbecue to learn more about the area where we were stationed to meet people and they mentioned that their house was paid for and we were like well that's weird and that was really cool to us and they mention you had you know Dave Ramsey and I was like well I've heard of them growing up in the church remember financial peace but we didn't really you know pursue anything and they told us about your book the total money makeover and we went home and Nick was really on board I wasn't so much because I don't want to sacrifice at all so he comes out yeah he was really excited about it but that kind of started he read it and then we started listening to podcasts and YouTube like crazy and we just got really fired up okay so what sucks you in he started on board but you took a little while what brought you back around yeah I think it was just the idea that we could have this life that we had wanted I grew up with a lot of debt and my family and I just never thought it could be possible to live without debt so when he really you know told me about everything it brought me around so Nick everybody's always ask me how do you get your spouse on board I don't get my wife from work I don't get my wife from work your professional getting your wife on board how did you do that persistence I know you you realize how much you are willing to actually realize how much you have you know when you think about your financial future because personally I wasn't really talk too much about finance is growing up so when whenever I heard about you guys and you know got a hold of your book I was like we we have to do this and of course being persistent she obviously wore down I love it hello that's that's one check make sure sure and use of that technique all many some server give you the look like you need to stop talking about this every day Chris I'm sorry did you so what kind of sixty five thousand dollars for the debt was this cash and credit cards we both had a lot coming out of college car loan that bill for a cat furniture and then student loans were the big one okay so you just kind of normal yeah just sneaks up on you and you look up your sixty five thousand yeah yeah you have that moment radio crap moment right you said it's a vet bill you didn't finance a cabbage.
"ramsey" Discussed on On Mic Podcast
"Then can't you? I'm most happy to learn about stuff. Bouncing off something that's very pop culture oriented and go back to psycho for a minute. I've known about the gain story. But there were a lot of Sort of sidebar stories that I didn't know about and you know what that podcast is done. It's got me to do more research. Do you find when you're hearing from folks that they're now getting into it and doing more their own deep dives and is that kind of fun for people to do. Yeah occasionally people reach out to me. And say hey. Can you tell me more about this particular story? No reference? Something that you know may not be quite true but was in the store because remember because these are again. These are not documentaries. These are movies about the making of movies. That means there's a true. There's a a deeper truth that we're going for here to convey were not looking to recount the facts of what happened in linear form. We're looking to tell a deeper truth. For example in the case of psycho there was a story about this director. Ed this fabulous career by any measure. Alfred Hitchcock who still never had anything happen to him as big as psycho in nineteen sixty and then spent the rest of his career which is about fifteen years now trying to duplicate that success and never ever achieving it not only that but his final film family plot in nineteen seventy five was put out in the shadow of another of another little movie by a very young inexperienced filmmaker named Steven Spielberg in the movie was called Jaws and this was kind of what was in the ether For him In the declining phase of his career at us what he had to deal with. And I think there's an interesting story there. What happens when you spend all your career and you make this incredible against all odds magnificent success and then you have to spend the rest of it trying to duplicate it. How do you deal with that? How do you cope with that? How do you find satisfaction in the midst of that and that's what the series was about compelling and that's the billy freaking story to a certain extent where he has? French connection and exorcists. He's the hottest name in Hollywood for a couple of years. And then to find his way back and He's still around but he's got those memories of the Great Times what happened afterwards. I just love the series. So are you able to Provide us a hint as to what you're looking at next for an inside project. Well that the the series is GonNa take a new farm going forward and It remains to be seen exactly what that form is. But it's something we're working on right now trying to nail it down and a land distribution clarity and as soon as we have that you'll know would still be appearing as our narrator as storyteller. I hope Oh yeah no no no I mean my involvement in it will be the same. The question is what shape is the show? GonNa take and who's going to be putting it out a show of that nature. That is so complex. You said it takes weeks to just write it. It's it's so impressive and I know it sounds like a fan boy here but I just love it and I did lie. I didn't just trip over it. I did a search for movie. Podcasts and yours game that's what I just remembered Seo is working. It's definitely working in. You've got so many other things going on. What's the best way for people to find out more about just you Mark Ramsey? Well got all the shows that Jeff and I worked on together at Mark Ramsey Dot TV You can see all the panels for all the various shows including the one. We did with Ed O'Neill last year from modern family. And we're working on one. Now that's not on the page yet that features David Harbor in Jeffrey Dean Morgan. So all kinds of crazy stuff going on now. Two guys from two Cult favorites right walking designed a stranger things by well more thing broadcast film critics association. Your Bio. You're on the board. And they produce the critics choice movie awards in TV awards. Gut Ask Somebody. Who's in this business what's wrong with the Oscars? And how can we fix them? I don't know I kind of I kind of liked the Oscars this year. The first half hour. I've thought was tremendously strong but remember the first half hour. I'd almost no awards in it. I think we need. Don't we need one person? No not a believer in that. No absolutely not people are just throwing that out there. I mean I will say the critics choice awards as a host. But I don't think the show rises or falls based on that host unless the host brings something specific to the show and remember that over the years these hosts of generally gradually disappeared as the as the show went on through. And here you have in the first half hour of the Oscars you have. Steve Martin You Have Chris Rock and you have Gino Manet doing that. Just amazing opening Song and dance number that I thought was just through the roof. That's a great show. It's too bad you have to give awards during it. Well the ratings keep going down for the last several years I dunno I maybe shorten it up a little bit And Bring Back Bob. Hope it's not going to happen. I know that anyway. I'm just dating myself or Johnny Carson or somebody of that nature dating use. I am I do a lot of that. Been a joy to connect with you sir and I really appreciate the work you have done in the work year. Your sound design people have done on inside movies fantastic. And I can't wait for whatever's coming next so thanks for joining us and God bless Jordan. Thank you so much for having me and thanks for listening to the content and I hope everybody else gives. Listen to if you're a movie nut as I am. Make the deep dive to the inside series inside psycho inside jaws inside star wars and more go to one degree. Dot Com W. O. N. D. R. Y. Dot Com check out Mark Ramsey media dot com for updates and where mark is at ease very busy guy and I really appreciate him stopping by and I appreciate you stopping by and being part of our growing podcast family around the world to reach me. Jordan CHART PRODUCTIONS DOT COM on twitter at Jordan. Wbz and we are of course on facebook at the Jordan rich show till next time. Be well so you can do. Good take care..
"ramsey" Discussed on AM 1590 WCGO
"In the lobby of Ramsey solutions ride on the three stages fell and the gale our weather's welcome guys how are you I don't want to have you guys were the live along the Missouri also welcome to Nashville and all the way here to do a debt free screen yes Sir cool and how much have you paid off hundred thirty nine thousand six hundred and fifteen dollars seventy cents I love it along with the state two years eleven months okay good and your range of income during that time I would say to fifty four thousand now on we're at about one fifty wow thank you John yep okay Cody all do for a living I help out with middle I'm sorry middle school administration my official title is homeschool communicator okay and Gail I work for a hospital patient accounting department great okay we had a sizeable jump in income in the last three years we got married well okay all right what kind of that was the hundred forty thousand I would say primarily student loans and taxes how about the taxes okay who's who had the most right here okay all right go all right did you guys got after this I mean that's amazing that you paid how long did you get married two years eleven months ago at two years she's a lot two years and two months actually okay so you started right before you got married then yes finish it up after well it kind of goes back a little further actually when I'm not sell if we had not on Christian mingle and one of those profiles was that you had to be in a place that you wanted to be emotionally physically financially spiritually healthy moving towards that okay Dave Ramsey was all across the profile oh my gosh okay I had not heard much about you I've had a few people from work mention you and so when I'm not well I was kind of a place where I was a single mom I own a home that really was too much house for me and so I was at a place that I needed to get out from underneath that house and so thought walked along beside me and helped that happened so he gets paid off before me about seventy five thousand dollars close to business and so I trusted him to help me walk through the process so that's really how we met that's fine as very cool well look at you guys all grown up hard of that original that that we in addition of that in addition to that so I was down three before we officially got married yeah fun very cool so what do you tell people the secret to getting out of that if you had a fabulous experience here for me I I I I I start off by saying in is temporary read this one year read this ten years is temporary you have to be willing to take a step down to take a step up in terms of Christ I feel as though if we do our part Chrysler do his part and two more things you have to be willing to retrain yourself in terms of how to manage money and the last thing he is listening to the show was a big part of it and what I mean by that is it was it was like free therapy to meet every morning first thing in the morning I would either listen to the Dave Ramsey show or I will listen to a a terse arm so that that that's what motivated me and they offered for you for me it was making sure that everything that we did was strategic we thought long term not just short term solutions so everything from whenever we were dating and we knew that we were getting married I stopped taking PTO time at work because I knew I'd be paid out to be able to use that money whenever we got married every single stop other iced step down into an apartment on purpose I kind of got a town house had more space but it was every single thing that added to us being able to get her quicker seven five thousand cuts definitely definitely do it all at once temporarily that we move forward for future and Dave I can mention a few more things arm for me and I I some kind of emotional when I say this after a while Gail through the process I actually went home and I picked up a total of five job the one full time and for part time job while yeah so I was working probably a hundred and four hours per week over the side jobs mentoring intramurals you name it I did it okay helping people move you name it I I did it all okay but the other thing after walking guilt through the process I went home and within six months I sold all of my furniture except for my bedroom set and I actually movie in which to college students so for two years I live what college do goodness yeah yeah so at the age of forty five I was living with twenty five year olds yeah you wanted out bad yes Sir there's no I mean you went all the way wow that's crazy I love it that's amazing good for you now that you're there you went through all of this to get there was it worth it absolutely yes Sir absolutely how's it feel great amazing race I tell people all the time and I don't say this to brag basically all we do now is put checks in the bay yeah because outside of our normal expenses I mean we don't have any debt I mean we don't have anything to spend the money on so seven per house yes I that when you undergo that's right so you're actually have your control of your money it's your money absolutely yeah well done you guys so well done very proud of you who are your biggest cheerleaders for me once I move to Columbia at J. and Stacy Bryant one they were huge part of my life to work for the pharmacy that I I came to Columbia and worked at any chance but I had to do overtime they're allowing me to do it anything that I could do and then as well as in our form church family for me I would have to say Christ my beautiful wife right here I have to tell the world I mean she's definitely a proverbs thirty first one and I would have to say my good friend Todd Robinson my principal on Bernard sodomy good friend George Clarke and also Cathy Robison very cool yes our good job you guys very well done very well done we got a copy of Chris Hogan's book for you every day millionaires that is your next chapter in your story you're on your way become continued live like no one else so later you can live and get it over like no one else put yourself in a position to do that very proud of you great job you too thank you thanks they all and Gail Columbia Missouri a hundred and forty thousand dollars paid off in two years eleven months making fifty four to one fifty tell it down let's hear a debt free screen three two one thank you Jesus we're.
"ramsey" Discussed on KSFO-AM
"Ramsey show. are you ready to stop renting and become a homeowner if you've knocked out the first few baby steps is time to start saving for a home of your own but saving for a down payment can seem overwhelming especially when you start looking at houses on the market it may feel like you'll never be able to save enough money to buy one there's hope though my team is research some ways to speed up the home buying process in our saving for a down payment guide we share our best advice to get you on the path to buying a home you can actually afford well the you haven't saved a penny yet or whether you want just push your progress we'll give you practical steps for the fastest way to save up for a home and your family will love it will also help you track and streamline your spending to help you meet your savings goals go to Dave Ramsey dot com slash down payment to get your free guide today that's Dave Ramsey dot com slash down payment it's free right it's Jamie progresses number one number two employee leave a message at that Hey Jamie it's me Jamie this is your daily pep talk I know it's been rough going ever since people found out about your acappella group Matt harmony but you will bounce back I mean you're the guy always helping people find coverage options with the name your price tool it should be you given me the pep talk now get out there hit that high note and take Matt harmony all the way to nationals this year. cancel the insurance company affiliates price and coverage match limited by state law are you tired of exposing.
"ramsey" Discussed on The Dave Ramsey Show
"You can only pay the set amount that is agreed to or pay it off. And so when you get ready to pay off the 4._0._1._K loan when you get down to it in your debt snowball which you'll have to do is just build up that amount in savings, and then pay it off in one fell swoop. And then, you know, go back to a normal debt snowball on the other debts that you've gotta do continuing to work down the list, smallest to largest in that point, some, that's how you do it. Thanks for being a part of the Ramsey baby. Steps community if you didn't know that is the largest Ramsey Facebook group out there. It is a private Facebook group, but we will certainly let you in it, as long as you nice to people in there and so forth. We don't Blau trolling in there, and that kind of stuff. So, but jumping there the Ramsey baby steps community, the. The official. Ramsey community run by rooms people. But it's not. I mean, there's thousands of people in their interacting. And it's a lot of great threads. A lot of great information on a great community supporting each other as were working through this whole thing together to get out of debt, so that we can build wealth so that we can retire with dignity. Leva. Quality, inheritance and be outrageously generous living like no one else, so that later, we can live and give like no one else. This is the Dave Ramsey show. Scripture today. James three thirteen who is wise and understanding among, you let them show, it by their good life by deeds done in the humility that comes from wisdom. We are what we repeatedly do excellence, then is not an act, but a habit Aerostat set. We are what we repeatedly do excellence, then is not an act, but a habit Barbara is whether some Steamboat Springs. Barbara, welcome to the Dave Ramsey show. For taking my call. I have a, what would they do question? We me and my husband on a condo. And that has been rented consistently for the last couple years. So it's paid in full and it's other condos in that same building or sewing for about a hundred and seventy thousand dollars. And then we have a home that we owe still on, which is about one hundred seventy two thousand dollars. Completely debt free. It's I'd from the mortgage and I am. We kinda go back and forth has been eye. Whether we should move into the condo and sell the house, and beat that for you or whether we sit sell the condo and pay off the house, or whether we should just hold onto the condo, and let it rent and just pay. So what's your household income? It's about a hundred and ten thousand a year. And how old are you? And there's a little bit of age difference. He is thirty four and I am forty seven. Cool. Well, I mean. One option is to say, okay. We're gonna keep both but get on a really pointed plan and says, okay, five years. We're paying off one seventy. We're gonna be debt free. And that would that option would say we like both of these properties, and we would like them in our twenty year future. If you like both of them and you want them in your twenty your future. That would be a good way to go. I suspect you like your house to live in better than you like that condo to live in. Definitely. So my second choice than would be to sell the condo, pal house. But then what you're going to do is you're going to take your hundred ten thousand with no payments in the world. And you're gonna start building wealth, and you're gonna want to buy some real estate for rental because you like rental real estate. You've had a good experience with it. She around buying the condo later. Right. That's why I think you might just take it and attack it and say, okay, five years. We are paying this thing off thirty five thousand dollars a year for five years. We're gonna lean on it. We're gonna take all the rental income from the condo and all the bonuses, and we're gonna watch our budget, and we're going to chunk on this thing..
"ramsey" Discussed on The Dave Ramsey Show
"Jim is in Orlando. Hey, Jim, welcome to the Dave Ramsey show. Dave, thanks for taking my call. And thanks for all you do for us out here going to get a little emotional here. My wife and I my kids have been following your plan for quite some time. And it's really like you said changed. Our family tree. Anyway, my question today is. Regarding long term care insurance my wife and I are looking into it now and I'm finding to main policies available. The first is a traditional long term care policy, where you can either elect monthly benefit or a lump sum payout and you just eat that up. And the second is a what they're calling hybrid. I and it looks to me like a whole life policy with some sort of conversion aspect to it. You have a good is stay away from that. That's. Okay. Snake when you see one, sir. I thought that was the case it smelled a lot like that. And, you know, the agent was pushing it fairly hard, which made me think that, you know, that might be the one to avoid. Yeah. That would also mean to avoid that agent. Yep. So my next question would be of the two options available in traditional. What are your thoughts? I just do the monthly payout..
"ramsey" Discussed on The Dave Ramsey Show
"That lets them know you are a ram Z debit card user, you're a Ramsey tribe. Member. Then. You don't have to go to the counter you just walk out and get in your car. This this is so finally finally man, I have you know, I've had some debit card. Some some of these brands would take a debit card some places they wouldn't take another place, and they were inconsistent and you had to have a ticket from out of town, and you had to do this. And you had you had to do the hokey pokey and you had to turn around twice. And you know, man, you just walk up. Your twenty years old. You got credit? You got a debit card, and you got your driver's license. And if your dollar express member, you don't even walk up to the counter you walk straight to the dad blame car. This is what it's all about. I have had a lot of experiences in business in thirty years working with large organizations and small organizations, and it is so fun. When I find people who are number one. They have the intellect and number two. They have the emotional capacity to actually get it. They get the memo, and they go all this kind of makes. This was just do it. And they took a huge company and retooled it since we started talking about this last summer to where now just a few months later were able to sit here and tell you about this. This is pretty amazing a lot of stuff like this takes four years to roll out. You know, but not if you got the right kind of people involved, and you know, people are the deal and big company small company people are, you know, smart people that care. They're just hard to come by. And this team we have so enjoyed working with them. There's so much like our team in that. They they get it. They not a pivot. They know how to float like a butterfly sting like a bee get stuff done, you know, for the customer. They're fans of you guys. And so now, I want you to be fans of them. I'm a fan of theirs dollar dot com slash Ramsey joined the dollar express rewards, even if you don't have plan to travel right now, go ahead, and do it.
"ramsey" Discussed on The Dave Ramsey Show
"Welcome to the Dave Ramsey show. Hi, dave. Thanks for taking my call. Sure. How can I help? My question is about me and my wife were Carly on baby step two, we should be done paying off our debt. Our goal is by the end of this year. We should be free about my actual question is from my one thousand dollar emergency fund because I know that one thousand dollar will, you know, cover my any small emergency stuff like that. But at the same time, I always get nervous in what if something happens in something a major emergency that's going to cause more than thousand dollar, you know, will require that amount. And so my question is would you recommend? Or would would you recommend me to please beef up? My one thousand dollars to like one thousand five hundred two thousand or stick to the one thousand dollars. In how much did you have in savings before you start all this? I'm sorry much. Did you have in savings before you started? All this. I think it was. Well, we started. I totally for God by we I saved up close two thousand. So you never had more than with them. I've never had. Well, actually, be a thing. I had one. But I purchase it to the. I remember I had a almost two thousand dollars for a win. We purchase our water here and wrote and I used that amount. And so we're down.
"ramsey" Discussed on The Dave Ramsey Show
"Welcome to the Dave Ramsey show. Hi, dave. Thanks for taking my call. Sure. How can I help? My question is about me and my wife were Carly on baby step two, we should be done paying off our debt. Our goal is by the end of this year. We should be free about my actual question is from my one thousand dollar emergency fund because I know that one thousand dollar will, you know, cover my any small emergency stuff like that. But at the same time, I always get nervous in what if something happens in something a major emergency that's going to cause more than thousand dollar, you know, will require that amount. And so my question is would you recommend? Or would would you recommend me to please beef up? My one thousand dollars to like one thousand five hundred two thousand or stick to the one thousand dollars. In how much did you have in savings before you start all this? I'm sorry much. Did you have in savings before you started? All this. I think it was. Well, we started. I totally for God by no, we I saved up close two thousand. So you never had more than without. I've never had. Well, actually, be a thing I had one. But I purchase it to the. I remember I had a almost two thousand dollars for a win. We purchase our water here and broke until I used that.
"ramsey" Discussed on The Dave Ramsey Show
"Welcome to the Dave Ramsey show. Hi, dave. Thanks for having me. Sure. What's up high? So my wife, and I moved about seven years ago changed. And we had just bought a house right before mood about a year and a half. And we couldn't sell it. So we're currently in financial peace and we're on baby step number two. My question is we have about if the two thousand dollars outside of that other house, and I'm trying to figure out whether I'm getting a large money coming up if I put that towards selling the house in another state that we don't want war going continuing to pay off debt or upside down on the house of the state still it right now, we sold it. We would likely lose. I estimate about five or ten pounds. Okay. All right. Good. Okay. And how much have you got coming in your lump sum? For coming into a some money, and you're trying to side what to do with it. Yes. Yes. It'll be about thirteen thousand dollars. Okay. So enough to get out of that house or pay the other day. I see what you're doing. Okay. And aren't you've had it rented in assume censure upside down at you're losing money on the rental monthly, right? Yes. How much you lose a month? So it's running out prepaid for six months, but we've already had to do about five hundred dollars or chairs, and there is just enough to break, even so we've already lost five hundred dollars. Okay. So you're losing roughly give or take a thousand dollars a year. Okay. Cool. So what do you do if you wanna sell it? If you've prepaid the rent. What are you gonna do these? Well, it would be once the six month leases that we've go in and immediately try and style which is win. That would be about July. And what's your household income? My twentieth. Team part attack taxes about one thirty. Okay. How much debt do you have not counting the south? You said fifty grand. Forty five thousand student loans in seven.
"ramsey" Discussed on The Dave Ramsey Show
"So that would all be fine. That's all cool. But I just I I think you're gonna get into weirdness here, and you probably gonna end up with bad girlfriend deal and bad tenant deal. Both. That's what I'm afraid of especially since you think she can't handle it. So we're walking into a situation where we know she's going to struggle, and that's double Askin for it. So I'm probably going to pass if I'm you based on what you told me. Hey, thanks for the call. Kyle's whether it's in Orlando, Florida, they Kyle. How are you? Hey, dave. I'm doing I deserve. How are you? Just the same, sir. How can I help? Alrighty. Well, my parents are longtime listeners I'm short time listener, but I've been absorbing everything you're saying like a sponge, I've actually got my thousand dollars that happened before. I even heard of you speaking to my parents with it. They once I told him I said, hey, for the first time ever, I had a thousand dollars. That's never been thing before. And they're like even listen to Dave Ramsey. I'm like that guy. They got me. They got hooked on you talking talking about it. Oh, my question is I have twelve thousand in a truck loan, and that's my baby. I mean, that's my I spent all my free time working on it. We want it to four by four fun. You know, that's that's my recreation fun four thousand in medical owns so six thousand or sixteen thousand sees me total debt I've gotten to a situation where. This is the most Lancer, but I'm going to say it. Anyway, I need house. And so currently I'm renting from trends. But I've got a lot of respect for them. And I'm living in their house. It's not home for me go to but everything back. I got I'm twenty okay. And how much how much do you make a year? Approximately sixty thousand. I realize I think you probably it is more than you realize. But I think you probably have have this partially, right? I wouldn't disagree with you that you need new living quarters, but I don't necessarily think you need quote, unquote. The word needing quotes a home homeowner. Sure. Act today, mostly an emotional answer. It is. And that's my already you've already is that properly so go find something and wrench cheapest. You can and get yourself out of debt you're going to do that. And under a year. Now that you're getting your now that you kind of woke up and ready to go. Okay. Pay.
"ramsey" Discussed on The Dave Ramsey Show
"Cool. Good. Thanks for calling in we pre shape. The confession. This is the Dave Ramsey show. It's an everyday millionaires theme our on the Dave Ramsey show. Chris HOGAN, the author of the book everyday millionaires joins us as we talk about and talk to real millionaires. The find out how real millionaires really did it. So if you find someone who's lost a bunch of weight, and you wanna learn how to lose weight you ask them. How did you do it? You don't ask someone who has a theory about losing weight? And obviously still needs to you ask someone who's actually freaking done it. And that's what we're doing here. That's called a best practices study. You talk to a real millionaires. Not your broke brother-in-law with a political opinion. How did you really do it how where do millionaires really come from and in the lobby of Ramsey solutions stands and everyday millionaire Leah's whether it's highly. How are you? I'm doing very well. You so much for having me on. We're honored to have you, sir. Where do you live Durham, North Carolina? Cool. So you're over here for the town hall tonight that I hang out with what we're honored to have you? So what is your net worth, sir? We're at just over two million dollars. Okay. So two million break that down for me. How's that invested? So one point five in retirement accounts, four hundred thousand in property in one hundred.
"ramsey" Discussed on The Dave Ramsey Show
"But that will just slow down. How quick you get your down payment? You might get exciting. Keep working knock down payment out to get a house. How old are you? Exactly. I'm forty eight your own the house. Now how it's time. I'm ready for you. I'm proud of you, you're doing good. That'd be proud of yourself and feel good. You got to feel good about yourself. Don't you? I do I do. And I try to tell anybody who's willing to listen. Displaying chains. My time viewpoint on everything. I'm so happy for your way to go. Kiddo. Get them you get them. You got this. All right, baby. Step three is putting away three to six months of expenses to go back to that thousand dollar count. And raise it up after Makishi doing her baby step two. That's what she's going to do. And in baby step three is Ryan. Hey, Ryan in Dallas. How are you? I'm out standing are. You doing Dave deserve. Welcome to the Dave Ramsey show. So you are in the middle of working your baby steps, you're working on your baby step three. How did you come to do all of this? Because you. The way that we figured out as we kind of looked at the the four walls, you know, much if we lost our job. How are we going to you know, how much do we need to pay pay the bills have gas? They go, you know. Oh, that's how you measure. That's how you measure the number of the dollars per month, you need to calculate your baby. Step three. Yes, sir. I got you. Okay. All right. And so how did you end up doing this whole program the whole Dave Ramsey, baby? Steps thing. So back in January twenty sixteen. We were actually gifted f you me, and my wife, so we decided, you know, kind of why not and you know, we pretty frugal with our money. How old are you have how much right now? We're twenty eight both of us. Love it love it. Okay. So so somebody gave you financial peace university. You guys went into the class. And that's how you learn how to do this. And now, you how much did you pay off in baby step? To. So we paid off twenty eight thousand and we made about thirty five years and make it thirty five thousand a year. Yeah. So we we that's honestly, probably two years. Wow. But we jumped our income up a lot because I got promotions. My wife got a new job we were dedicated to make more money, and that that works, man. I mean, when you have more more more would to put on the fire the fire gets bigger, you did it. Well, congratulations, man. So what can I answer for you today? All right. So of course, you know, we're on the three to six months. Would you adjust that we do the whole six months before we go onto the three being or should we just do like three months and move on do for lose? So I work at a Alexis dealership on the service side. Okay. Are you a certified mechanic certified mechanics? Are you a certified mechanic note there, I kind of sit in the background. I make all the legal courts. I got you. What's your wife do for a living? She is an expediter at company that sells bows..
"ramsey" Discussed on The Dave Ramsey Show
"Retirement savings of fifteen percent. It's fine. It's fine. The we recommend the sea. The S and the I fund eighty percent in the seat. Ten percent. The S ten percent in the eye. And that's all don't do the ale that means lousy. Stay away from the other funds. I think you can probably get better returns with open market mutual funds than that. So I would consider that for your Roth IRA's and stuff, and maybe not put it all in your TSP. I think you can beat those funds that are in the TSP, but they're certainly not bad funds. This is the Dave Ramsey show. Thank you for joining us, America. This is the Dave Ramsey show. Glad you're with us in Helena, Montana. I by our you. Are you Dave better than I deserve? What's up? So I'm a hunter. And this is my primary source of meat for my family as we have five home. I'm wondering where in the monthly budget..