13 Burst results for "Zach Bennett"

"zach bennett" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:23 min | 7 months ago

"zach bennett" Discussed on The Dave Ramsey Show

"Got seventy five well, that gets you and your kids and your husband started in New York they need to they need to rent. He's working or buy something really cheap there near the family don't go for the family plot. You're not there yet financially do that when you are ready to come back to New York and we're GONNA get settled that's the family homestead that would be my. That would that's that's what I think. You should do because now you're going to be in great financial situation and your husband and kids are GonNa get stable there in New York I just don't like the idea of you buying another house. Yeah I. Think you got slowing down a little bit and put that money aside and still saving to buy eventual lake but again, clearing up the mess going, hey, we're not going backwards with another car loan we're not going back. With the credit cards, cutting them up, shutting them down, and Dominic you starting to change your thinking, right you know by every place you go. But again, you you and your husband talking about this and I want to applaud you and I can understand you not wanting your kids to have that move around lifestyle that you had. But but also your deployment, you know make sure that they're seeing you and spending time with you because that's going to be tough are all. The way around. Yeah. Listen this is not such an easy situation though but no, but you know the mindset is again we WANNA make two year decisions everybody what I mean by that is you WanNa make a decision that you look back on in two years and you go poor that was tough and it was rough but I'm glad I made that decision. It puts you on a trajectory. Yeah. All right. Let's go to John in Sterling Colorado. John How can we help? Hey Yeah I just have a quick question for you. My employer puts in fifteen percent into like traditional 401k automatically. Realize just curious I was curious if so I maxed out my. 401k Roth that for the year whatever I didn't know if that was a good decision or if just that fifteen percent would be. John, what what type of company do you work for? I'm a lion out in Sterling Colorado and they put in fifteen percent in retirement for you every year. Yeah they you have to stay there for one year and then they start putting fifteen percents. Okay. Well, here's the deal buddy. I'M GONNA. Tell you something I still want you contributing fifteen percent Okay. Okay. Because here's the deal John that company could decide that they're going to stop doing the fifteen and if you're only banking on their fifteen, you're going to have a problem so I want you to look at this like a a dollar for dollar match literally up to fifteen percent, which is so rare. I've never heard of a company going this high. So you get in the habit of being doing fifteen percent. If the company is doing fifteen, listen to me, you're going to have a whole lot of money one day. Okay would you on my side? Would you do roth? I would definitely do the Roth. Here's the deal. The Roth is after tax dollars. So you're not you're going to have tax free growth. You're not going to have to deal with Uncle Sam anymore but what the employer is contributing and matching you quote unquote. is going to be pre-tax. So that's going to be like traditional. So they're part you're GONNA have to pay taxes on. When you start withdrawing that money at fifty nine and a half, this is unheard of Ken I. Again I've never heard of a company going fifteen percent. I've heard of matches of of of up to nine and ten, but never fifteen. That's huge it is. But people often you stand there is a limit to how much that you can that a company can put in your 401k. You get to certain points to nineteen thousand still is that correct? But you but you have the percentage that you get focused but you're right there is the dollar cap on what will get to but that's okay. Use The apple. You stay focused on that and I think it's at nineteen five they keep flipping. Stuff but the bottom line is you have an opportunity to put in two, thousand, twenty it's nineteen five, and if you're over fifty, then you have an opportunity to do some additional catch up as well. So save people and invest your money, it'll grow. That's why it's important to Chris said putting fifteen percent in anything that you get from your company that's bonus i. Love it hey own think my pal my colleague, my good friend, Chris. Hogan. Hanging out with me this hour WanNa think our producer, Zach Bennett WanNa, think our associate producer, Kelly Daniel and you America. Thank you so much for joining us. This is the Dave Ramsey.

John New York Sterling Colorado Zach Bennett WanNa Chris roth WanNa Hogan Dave Ramsey producer Dominic apple Ken I. Kelly Daniel America
"zach bennett" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

03:26 min | 7 months ago

"zach bennett" Discussed on The Dave Ramsey Show

"Of it over to my parents wants I put my own investment portion into it. Are you a saint. They don't make people like you very often shan. Why are you willing to do this Ryan? So I'm the oldest out of five kids now. My parents didn't save up for our college and I'm in college right now for Cyber Security and I'm casually my way through that and it can it can be a little tough but I don't want that for my little baby brother I want him to be able to go to college that free and I wanNA help my parents out. By just getting started because. You know they have so much stuff going on in their own lives and I feel like if I can just get it started for them. It'll be so much easier for them to keep it going once they know that it's just there for them to start putting money into it. Well I I love your heart I agree with John I love the heart, the passion but I want to tell you this. You said right now you're in the process of saving up Your. Emergency Fund. and your cash flowing your way through college. Correct. Walk. Okay. So how much more do you have of college to go? Have about two to three years left. I would say the best gift you could give your younger brother is for you to continue to cash flow your way through college, and then build up an emergency fund. Okay. down the road. Yes. You can open up a five, twenty, nine You won't have the ink, the restrictions that you would have with a an ESL, an educational savings account and you can open it up for your brother. Here's what I would say to do you open it up for your brother when you get ready and you could also. Have your parents helped them to open one up, and then you are doing what you do. Right and your parents are doing what they do so that they're gonNA focus in, you know you're going to have some money to be able to help your little brother at some point. There's no reason to try to combine those right bill or turn it over to them. You can make sure that you're in control of that money and it will go to your younger brother for his education when the time comes however, you're not there yet. See following the baby steps you're going to make sure that you would either a get yourself out of debt build up an emergency fund. Then you would start to invest fifteen percent and then save for College. So you I love your heart and your passion I. think that's amazing. But what I want you to do is keep stepping and that means get through the baby steps put yourself in a position to be able to help down the road. So Chris my first impulse was this number one. I yet. Again, a hope the country's hearing the all is not lost every twenty, one year old and twenty, five, thirty year old isn't playing video games mom's basement. There's a group of about they're kicking butt working hard trying to change this country for the better. Chris, my first impulse was. Shying could best help her little brother if she pays off everything. She has no debt and she pays off a house and then when little brother decided, he was GonNa do if she's in a moment, she never own kids. She decides she grabbed a big fat check that she can cash flow. That's what opposite as well but. Right but she sounds like she's motivated I just wanted her to get through the steps for she starts trying to help someone else and so she's got options there Charlotte Char in love your heart and your passion listen I WanNa Thank Producers Zach Bennett. I want her to think associate producer Kelly Daniel. I WanNa take all of you for tuning in and listening.

Chris Emergency Fund. Ryan Zach Bennett John I producer Kelly Daniel
"zach bennett" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:52 min | 7 months ago

"zach bennett" Discussed on The Dave Ramsey Show

"When he has stood the test, he will receive the crown of life which God has promised to those who love him again, that's James One twelve and then. We have a quote work hard at your job and you can make a living work hard on yourself and you can make a fortune and that's from Jim. Rome you know this mindset ao of of where we are right now in this country a lot of tough things happening a lot of things a lot of challenges I think it's really important for us to make sure that our mindset right of what it is. We're saying not worrying about what people are saying about you but more importantly, what are you doing for yourself and I think it's really important for people to be stronger than ever as we deal with. This trial and tribulation of this pandemic mantis absolutely right I'm doing a lot of self studying Hogan and I'm learning that is easy to remember the pass and not focus on the future We spend so much time on this happened in that happen rather than saying this can happen this will happen and we can control the future by making proper and wise decisions today. So although the pandemic is impacting our yesterday and even some of our today's what can we do what choice can't we make today that will impact tomorrow and we all can make choices that will impact our tomorrow for the best and we. got. The last phone call I made a choice that I'm not going to swipe more credit cards because I don't trust myself and I don't WanNa let down my daughter. She was my number one influence thousand choice that he made today it's going to change us tomorrow and we all can do that Hogan. I. Completely agree and the caller before he dealt with some life change not anything she predicted or anything she would have anticipated but it's a matter of what are you GonNa do about it and I think you know looking at it I tell people a lot Ao that it's hard to be hateful when you're grateful. And I think it's important for us even in the midst of trials and tribulations to find something that grateful for is it? Who are you grateful for? Who are the five to ten people that you go boy I'm sure glad I had them in my life I want to encourage you to reach out be proactive make list those people and do a check in check up on them right on there with family members and use technology for our for our advantage with skype and facetime to be able to see family I know you may not be able to get to him like you. Used to but let's look at them and be able to see their faces because something can change and I. Think, no, we got a lot of time in this year. This is September. This is the second new year, but we have a new opportunity ahead of us. Let's grab it and do it the right way I wanNA thank Zach Bennett producer WanNa think Kelly Daniel Associate producer I wanna think ao particular time to hang out money. This was fun hugging. Thank you and I want to thank all of you offer tuning in and listening. This has been.

Hogan Jim Rome WanNa producer skype Zach Bennett Kelly Daniel
"zach bennett" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

04:40 min | 9 months ago

"zach bennett" Discussed on The Dave Ramsey Show

"There's experience transgene as well as Equifax you need to pull the tri. Merge copy of your credit report, so you can see exactly what's on there and what's owed? And based on the divorce decree. Who's responsible for what inside of those debts That's GONNA be important I'll tell you what I'm GonNa, do I'm GonNa? Get you connected. Kelly's going to get your information. We're going to get you connected with one of our financial coaches, and they I train them walking through situations like this, so they'll be able to sit with you and help you navigate this. It's irritating and frustrating, but it's going to be an necessity that you make this a priority and remember. Remember what I said about. These emotional buttons based on the divorce decree. Whoever's responsible for what that's? What has to happen But you know. I think you know in this situation. Tornado for utilize right now is irritating and frustrating, but you're going to get through this and you're going to be able to move forward now faster through these baby steps because you don't have that anchor around you the person that's trying to go in reverse when you're trying to go forward, you get a chance to pursue. Your terms so I want to encourage in. Doctor wants you to speak to us. We got to let go of the victim thinking gay. What's done in the past is in the past I tell people to rear view mirrors smaller than the windshield baby, and you can glance back in the rear view mirror but I want you to focus forward. 'cause what's ahead of you is better than what's behind you. I as a general rule of life. Talk too much. But, that's the best answer I've ever heard, so I'm not even to say anything. Christopher that was part banker, part, marriage and family therapist part attorney Joe all of it well play or not normally so concise in Weiser. But you're exactly right that the thing that. You said she needs to hear is. In that short phone call. She mentioned things at her. Ex did several times. Yeah, that's gotTa stop because she can't carry that stuff. It is what it is now. She can decide to move forward and it sucks man. It's heavy and it's annoying and she's GonNa put credit report. Dude and that's going to be. s going to be devastated. She sees all that nonsense. We noticed. Is Awful and then she's GonNa get with a with a coach. She's GonNa. Get a game plan, and then she's going to go forward. Let all that nonsense. Go and I know that sounds trite and easy, but Christopher. You keep working at this. You'RE GONNA. Get this radio thing. Down friend well, I got the radio, so I think we all right. But but no, you're right. I like what you said about. Put it down and that's amazing. Because each day we decide what we're going to pick up in. How much crap I wake up every morning I just start picking it up grabbing frightening. Get out of bed. It's exactly right. Do you ever watch the movie frozen Oh? Yeah, all right I got a four year old daughter. My youngest son, I saw it so many times in the song go and I'll never forget. I was watching it the seventy second time I watched it so much. I was hoping it I'll man one of my buddies. Who Played Football at Alabama? He goes dude. Are you humming frozen without blinking US do. Did you recognize him? Right first and foremost, but but here's the deal. These these Disney movies have adult themes. Let it. Go, and there's so much that I feel like we hold onto regret. Bad mistakes thing you didn't do ninety eight doing whatever and X. Y. and Z. that we get to make a decision to let some of that stuff. Go down down and grabbed the things that matter for you. Put it down if we would open our eyes every morning and just give a quick prayer that we're on the wakeup list again. Do a quick run through the things we're grateful for, and then before our feet touch the floor. We just thought. What stuff I'm not going to carry today. Noggin carry the fact that you know did this in high school that me and my wife had a fight two weeks ago that I didn't talk to my son in a way that I thought I should have talked to him last night. I'M GONNA. Get up today I'M GONNA. Be Whole I'm GonNa go get today. Let it go I like that speaking of letting. Letting it go. I want you to let go of the fear. You have about talking to someone about your financial future. You have fear. You think they're going to judge me on what I didn't do I. Should have done more I'm hesitant. I, want you to get real for a minute. You know a lot of you are close to baby. Step forward. You're freaking out because you're not. You know the fifteen. Fifteen percents you need there or maybe you haven't done enough. It's okay to have questions I just want you to start investing. The trick is to work with an investment professional like a smartvestor pro. They can answer all your questions in plain. English not some industry jargon. Where like they're talking at you and to you because when it comes to investing, you need to know where you're investing in investing in and. And the SMARTVESTOR PRO can help you go to Daveramsey. Dot Com slash smartvestor and start building wealth today. Listen this hours in the books and want to think producer Zach, Bennett standing in on a thank Kelly, Daniel and one of all of you, America for tuning in to the show..

Kelly Christopher Equifax Disney Daveramsey investment professional Football Weiser Alabama Joe all producer attorney America Zach Bennett Daniel
"zach bennett" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:10 min | 10 months ago

"zach bennett" Discussed on The Dave Ramsey Show

"A four one K. and employee purchase plan. For more additional stock. Now I was wondering in terms of the RS issue, which is the seventy, five, hundred, seventy, five thousand. Do you think I, said keep that or trying like move that towards like real estate, investment for some other investment idea. Through, the what do you? mean. You know here's my I ain't. What are your long term? Goals Man Right now. Well right now is I want to end up just starting to own some real estate that way that like I could start having a additional money outside of my work so and just start saving from there. Do you have the basis covered? Though, do you have your 401k's in you? Roth IRA's already invested into. So I just started working, so it was my first job I haven't really set up a four one K. or Roth IRA okay. Go so before you even do anything. I. Want you to start there. Okay, because that's the foundation that's GonNa really set you up for success now. Would you just starting your job right now? You may not be able to go into into 401k program right now. Go ahead and talk to HR NC eligible to do that, but right now you can open up a Roth IRA invest into that. That's very first thing that I'm. I'm going to do. Could you sound like you? A young sharp man I loved what you thinking and I love how you want to get into real estate and I wanted to get real estate but I. Want you to start with a solid foundation I. which is Max Out Your 401k and your Roth? IRA's yeah, yeah, absolutely muhammed. I think that Roth. IRA is the way to go. Typically with the 401K. You've got to be there nine months maybe a year before they can do that, so just get started on the Roth. IRA, give me a favorite go over to Chris Hogan three six dot. COM Click on the Dream Team Button. You can find a smartvestor pro in your area that you can sit down and begin to talk to and walk through on these things the key is you want to get some guidance all right? Listen this hour blue by fast a OH. Yes, had a blast listen, I WANNA! Thank Kelly Daniel Associate Producer Zach Bennett filling in for change. Child is our producer and all of you. America for tuning in this has been.

Roth producer Chris Hogan Zach Bennett Kelly Daniel NC America
"zach bennett" Discussed on KSFO-AM

KSFO-AM

07:48 min | 10 months ago

"zach bennett" Discussed on KSFO-AM

"You Michelle's in California hi Michelle welcome to the Dave Ramsey show how can Dr John Delaney and I help thank you so much for taking my call I really appreciate you guys sure yes it's my question I find myself beating myself up for some of the stupid things I've done in the past and I know you talked about your rear view mirror in your windshield so how do I park in my rear view mirror to sell it doesn't keep coming up I want to do something that I learned from David Kessler are you ready Michelle I'm ready close your eyes and I want you to picture a purple elephant in your driveway you know you got it there he's in your drive like that in your drive we got a purple elephant you drive where you got it yes all right so you have just proven to all of America that you can control your thoughts it's a choice and it's a decision and I know that sounds trite in it sounds easy and it was a revelation to me Hey when I I realized that I get to decide the thoughts that I ruminate on and I get to decide the thoughts that high dismiss it was also a revelation to me when I found that you can get addicted to stress hormones and you can get addicted to the chemicals that rush to your body when you have shameful thoughts and self hatred and self loathing that can be a chemical addiction that you got to work through but at the end of the day you make a decision I'm John beaten myself up I'm gonna treat myself like I treat other people in my community do you often Michelle Mr this do you often talk to yourself in a way that you would Bob somebody in the nose if you heard them talking to the lady at the cash register that's a great way to look at it yeah so here's what I want you to do starting today right now I want you just to start being nice to my new friend Michelle because she has courage and she called in a couple of dude she's never met and said help and she's got strength and she's kind and she did some dumb stuff like we all did and starting today I'm gonna be nice to her have been nicer to her than you with the lady the Kasher for goodness sakes that's a good I love that picture most people talk to themselves in a way they would never talk to anybody else you just need to themselves yeah right on it's true yeah then it usually revolves around the stuff we've done I mean I mean a brand out of my stupid phone man I started what a career based on most of our data yeah I've got I've got claws it stapled shut because the skeletons are bang into get out right so yeah we're we're right near Michelle and I think it's when you decide I'm gonna stop being addicted to the to the chemicals that that foster my body when I think about the dumb things I've done I'm gonna start treating myself with the same dignity in care that I treat everybody else and then I'm gonna start taking ownership of my thoughts and I wish it was harder than that it's not sometimes we need to go talk to somebody sometimes you need to have a friend or two or a group in our life that we can lean on the same and I'm really being mean to myself right now and I'll just rattle your cage and say we'll stop it because I like Michelle right but I noticed is that decision moment I'm done being rude to myself and I've been out with my self I can't control my thoughts and then you get connected with some folks are gonna hold you accountable to them good work good word Maurice's weather's Maurice's in Georgia MRH what's up thanks for taking my call today our pleasure question for you about paying off my home on fire three of them home and I have a money market account in a money market account eighty thousand miles and I'll have a look on my home ninety thousand dollars so should I take that money out and now my home R. okay what seems like it's ten thousand are short Reagan the other ten grand on the other team and that's what I'm I'm picking up on this in this way at all one of the other key land how should you have any other money saved eighty thousand and I have the the arctic habitat fifty hundred dollars of course for my message on what we need to reset your emergency fund you don't have any other debt right not so I don't know what your merchant she fun should be more than fifteen hundred in each to be three to six months of expenses what's it take to operate your house for a month times three or six let's move some of the eighty thousand in the fifteen hundred account to get there the rest of the eighty thousand I would put on the house what your household income right now upasana round sixty thousand miles I get A. R. T. H. disability check on the military's law you said fifty thousand five zero well six six sixty thousand okay I'm sorry all right so so if you said we're gonna put fifteen thousand into the emergency fund so now we've got sixteen five sitting there I just made that number up that means you would have sixty five thousand to put towards the house and you would be twenty five short how quickly can you pay off the other twenty five B. R. nine months a year yeah two thousand a month would be a year okay yeah I think you can do that and that's what I would do yes I would go ahead and throw that sixty five at the house today because your interest rate on your home is higher than they're paying you on this money market plus a magical thing happens when you put it towards a mortgage the mortgage goes down and you can't get the money back out and go by bus but with accidentally so it forces you to finish the plan if it's just kind of sitting there sparkling in that account it's a little bit tempting a little bit scary people do weird stuff and I I wouldn't go there so yeah then then let's go ahead and knock out that of the two thousand a month in a year from today you'll have your home and everything paid for Marie says pretty incredible day I'm smiling right now just because his whole life Maurice your whole life is about to be different this is very cool you got nobody nothing I mean not a house payment when you don't have a house payment something you don't have any payments anywhere and beholden to no one it just changes the way you breeze I mean it does it changes the way you walk it's it's amazing it changes how you negotiated changes how you look at your work your relationships just changes everything we are slavery is a real thing the borrowers slaver to the lender and that's a real thing I mean and so when you're not on a slave anymore because you're not a borrower anymore it changes at so proud of you Marie she done a really really great job working on this obviously been a saver piled up this money from somewhere and you've done a really really nice job credit regulations John great job today Dr John lonely things let me join you again I love sit next to this table thanks for hanging out we love having you here that puts us our that I Ramji showing the books thanks to Zach Bennett filling in for James Charles this week in Kelly Daniel our social producer and.

Michelle California Dr John Delaney Dave Ramsey
"zach bennett" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:12 min | 10 months ago

"zach bennett" Discussed on The Dave Ramsey Show

"Everything paid for Maurice. That's pretty incredible. Dude I'm Smilin' right now. Just because his whole life Maurice. Your whole life is about to be different. This is very cool. You got. Nothing mean not a house payment. When you don't have a house payment something you don't have any payments anywhere. Beholden to no one. It just changes the way you breathe. I mean it. Does it change the way you walk? It's it's amazing. It changes how you negotiate. It changes how you. Look at your work. Your relationships just changes everything me on slavery. Borrowers slave. To the lender, and that's a real thing. I mean in say when you're not a slave anymore because you're not a borrower anymore. It changes that so proud of you Mauricio done a really really great job working on this, and obviously you've been a saver piled up this money from somewhere, and you've done a really really nice job credit regulations. John Job Today Dr John Baloney. Thanks for letting me join again. Love sitting next to you at this table. Thanks for hanging out. We love having you here. That puts us our Dave Ramsey show in the books. Thanks to Zach Bennett filling in for James Childs this week and Kelly Daniel Associate producer and phone screener. I'm Dave Ramsey your host. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace Christ Jesus. this is james childs producer of the Dave? Ramsey show on your smart speaker. You can add our skill by saying. Alexa opened the Ramsey networks. Still from there. You can listen to all our shows. Ask Dave money questions like. How do I invest my money? Or what is the debt snowball? Find out more at Daveramsey dot com slash smart speaker. 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 a podcast from money expert and my daughter Rachel Cruze Guises Rachel Cruze and I'm so excited to tell you about hype podcast. A lot of people are checks paycheck their end debt. They don't even know where to begin, but they have this need want to get in control of their money that you you have..

"zach bennett" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

02:21 min | 10 months ago

"zach bennett" Discussed on The Dave Ramsey Show

"That is an additional wealth-building step. Leveraging into real estate, borrowing money to get into rental or flips is a really good way to end up broke. Yup, don't do it man. I'm not doing it I'm not on baby. Step seven yet. Once I pay off my home. Mortgage on you. Really do wonders some real estate, don't you? I really do Dave. I really do like I really. Connected to you because I mean that's I. Know That's where a lot of your wealth is, and so I'm learning from you and I'm doing it the right way. Show listen the thing is. It's a little slower than maybe what you had in mind when you call a lot of people. WanNa. Run out and go into debt. But the guys that buy real estate, the GALS WHO by real estate with a bunch of debt ten years later. I, don't know any of them. That aren't broke. Because one cycle comes through, and it'll take you out. Yeah, and there's always a cycle within a ten year period of time of some kind or another. I mean. What if a bunch of your tenants didn't pay for the last two months? Because the cove. And you had mortgages. You would realize the fallacy in the idea. Borrowing have rental property. Then you know there's two things right now with that sounds like he's a young Guy Dave and there's two things has really gone on in this generation single stocks you know and then flipping. Those are the two big things that I'm constantly being axed by by this these twenty thirty roles like Hey, I'm a getting a single south from day trading, and then I'm GonNa, go take out this loan and flip and I haven't found one person. Who has who has really bill true wealth from that? Yeah, I, mean if you found somebody to start doing that when they're thirty and fifty. They're still doing it and they're not broke. Found a Unicorn very myself don't exist out there. and. It's it's really not this generation I've seen it for thirty years. It's everybody WHO's trying to get ahead. Yes, we're trying to figure out what's the shortcut. What's the shortest path to build wealth in real estate's one stocks is another. Good places to invest and bill wealth they're not good places to, borrow money. To get into this because it will burn your, but so it's simple, so anthony oneal co host this hour here on the Dave Ramsey show that puts this hour in the books. Our thanks to Zach Bennett filling in for James Childs this week of course Kelly Daniel, our associate.

Guy Dave Dave Ramsey WanNa Zach Bennett James Childs Kelly Daniel
"zach bennett" Discussed on News Radio 920 AM

News Radio 920 AM

10:41 min | 1 year ago

"zach bennett" Discussed on News Radio 920 AM

"Started airing in Salt Lake City the first paranormal story we got was an exclusive and I thought my gosh it gold seriously I go on the air do I show which shows first started airing in Salt Lake in nineteen ninety five April fools day also this paranormal story skinwalker ranch can't even in my own backyard not this week in my backyard I mean you have to travel to three hours to get out to it Mildred Beasley who is the chairwoman of the Utah chapter of the mutual UFO network and a UFO investigator Ryan Layton gave me a news tip about a ranch off the beaten path if you in a basin that was being attacked by forces that could not be explained now the story at first was a UFO story but it was only a small part of it UFO's story because the people who lived at the ranch said they were starting to see these lights above the mesa area of your farm the range there in your forty shades G. Shane area and that was only part of it I remember back when I worked with a guy manual Wolfgang gossip who on his deathbed swore he was DB Cooper said that he was in the area and he believes it was some sort of a portal some sort of a more hole or something that was out there a vortex of some kind what people are traveling to and from we believe time travelers or something was going on something was going on at their long before we had the UFO story a skinwalker ranch I was thinking trying to put two together there are you know where to go with it a number of reports of the ranch was also being played with the werewolf okay this werewolf poltergeist activity strange voices and other encounters were unheard of in any paranormal circle mean this ranch was owned by a man named Terry Sherman is white when and it was literally a ranch of terror with stories would make we after the horse on a children's Halloween party what the time Sherman will talk only a few reporters talked with Brian Leighton he was a guy that was usually my conduit the guy zag vandaag was a writer for a newspaper in Utah Sherman talked to very few reporters want to talk to by Ryan Layton you wanna get rid of the ranch anyone any attention from the press but of course we're travels ed course when you're a small community like your leg you are here for Shane to mean you seeded reporters in paranormal investigators all settled in the overlook near the mesa where the strange activity was occurring very little information was released about it in nineteen ninety five only that a strange force was playing games with the Shermans there were strange shadowy figures inside the house objects would move on their own disembodied voices could be heard speaking unintelligible languages in many head of cattle were found mutilated on the ranch it also reported UFOs in the forms of large balls of light could be seen this guy coming down to the ground strange humanoid figures would step out of these lights was almost like the light will open in these strange humanoid figures will come out I remember the Sherman described him as looking like Shaquille o'neal is big muscular bald black man coming out of this light there was also a time when they saw what looked like a box car coming down out of the sky with a huge lie to remember that story going around so if you're using this flying boxcar it was like coming out from this box cars flying around these these big men with big muscles then these upright walking wolves before I was even called B. skinwalker ranch was known as your full hill because of the stories the tribal police would tell about UFOs and objections in the areas later called skinwalker ranch because the locals call the upright walking walls skinwalkers in the area no nineteen ninety five the ranch became well known to a group called the National Institute for discovery science based in Las Vegas and on by billionaire Robert Bigelow now the I. D. E. N. I. V. S. the National Institute for discovery science bought the property it began an unprecedented scientific study of all of these paranormal claims observation platforms for builder CCTV cameras there actually it was what was I was when we were there I love the crew there we were like on the overlook looking down first of all and we saw that there was something they would have these towers they they were these weird towers and then they had ropes attached to the tower a cow some user cals on both towers as a cow it was tied to you know with that of course it was about a kind of a lesion that was tied the cat would stand there is almost like it was offering a cow is it true I kind of thought this is like the offering they're giving they're offering a cow to the great gods or something I I just just bizarre and then we decided Ian Dave Rosenfeld who is a guy who's well known in Utah we will daily definitely want Kevin to little of was a film crew were doing a show for the sci fi channel called the unknown zone the time it was tell me they're gonna replace Dan Aykroyd show with the reason why I never went on the air because I was in a meeting with NBC universal I was at Universal Studios Hollywood we were talking about the show and it was really a high is because I the interview was bizarre I showed him my my information on skinwalker ranch I show to my information about the V. P. wood EVP session with a bunch other crazy stuff I would have to Dugway proving grounds a show it was the other area fifty one get a lot of things just around Utah simple stuff several reports I remember when I went into the interview sat down I shut up all my material and you're really interested the skinwalker ranch story and they said to me they said in this kid it means he had to have been like years younger than me I had to have been like yeah I was at the time no my forties your early fifties I guess is Kim comes at all Pierce faces all peers to you'd accept the ear gauges he's got the nose ring he's got everything you sitting there he's got this no he's he's executive at NBC universal any sitting down at a table and I'm at the other end of the table I remember at the time it does really bad over the time I was doing a movie while I was doing the movie ate a piece of pie and I broke a tooth and so I had this broken tooth in the front of my mouth I thought they're gonna see is broken too they're gonna think I look like some sort of not gold weirdo because I can get it fixed I said you know you're trying to keep my mouth closed I don't want to see this other guy was this lawyer that was said he was gonna hurt represent me sitting in this room guy sees a skinwalker stuff because all my god this is great skinwalker material so I'm so fascinated by skinwalker ranch blah blah blah blah blah blah and then he says to me he says what makes you better than Dan Aykroyd when I stopped I said what are you talking about he said well this show is so great that you just gave us is going to replace Dan Ackroyd what can you tell me makes you better than Dan Aykroyd I looked at him and he said you gotta be kidding me right it was only me said I'm not better than Dan Aykroyd not by any stretch of imagination I know though I I know that I should have said that looking back I could have been famous on TV doing this forever but no I said I am not better than Dan Aykroyd he looked at me said what we need to find somebody replace Dan Aykroyd I gonna hear replaced an acrid I'm here to do my thing hello Dan Aykroyd now to show what they were saying what makes you better I'm not better than Dan Aykroyd Dan Aykroyd is a classic Dan Aykroyd is amazing Dan Aykroyd Saturday Night Live denigrates ghost busters Dan Aykroyd is well known for knowing all about this stuff I am not Dan Aykroyd gather to me said wrong answer close this book got up and left for luxuries would you just tell us and I just killed I just killed my career in TV right there said if I'm not gonna go into a interview I'm not going there pretend like I better when someone is classic is Dan Aykroyd just can't do that okay just didn't so I had my reports I had everything had all my experiences great and then of course after all of that I backed off in one talk about it anymore I knew what I knew Zach Bennett knew what he did he knew but then ray Barnett came to me who was a producer of TV shows as well she produced a was it a stranger reverse bloodline a movie that run the chateau Jesse Ventura's conspiracy theory she was involved in that as one of the reasons why I was on conspiracy there like two or three times she came to me and she says you know sorry to hear about what happened with you and you know side by channel would really love to have you work on some of the projects we're working on we want to know what you got about skinwalker ranch and I said well it's a difficult story to get on the mainstream because it's in such a remote area it's under heavy guard all the time Robert Bigelow's got his hands on it I have a feeling that I'm not gonna be able to get anywhere near it nor will the story be anywhere near getting information I'm sure everybody has on Robert Bigelow of Bigelow aerospace and all this other stuff so I was back in two thousand three I teamed up with a video crew doing work on it the colonel pilot called unknown zone what are the the rain today Rosenfeld who would find anything out of the ordinary but we found nothing really we got a big zero we we did see like some lights a gas with other people like her place because what happens the wind would blow in off the mesa into this area is Kelly's valley area it would blow the the we chat about his we give some sort of high we either high wheat or whatever it was blowing around I thought wow you see this like static electricity these balls of light coming up it was funny because we open up the aperture the camera so you can see all these balls of light now right it's flipping everywhere so Dave owns all that so I don't have any of that and Kevin I don't know if you still have any of the old videos of unknowns on I'd love to have them and show them to you on you too baby I'll give them a call and see if he still has any dental material I don't even know if we were able to show any of that material because side by put a big you know you do not share this with anybody this is a purpose proprietary said you said dress so somewhere out there you get to see my investigation skinwalker ranch but it was a big zero I'll say that right now nothing going on there Jefferson PZ electric lights would be perhaps the main said has some sort of like from magnetic vortex around us the only thing I can tell you is that I was pretty damn convinced that there was you know this.

Salt Lake City Salt Lake
"zach bennett" Discussed on 710 WOR

710 WOR

08:25 min | 1 year ago

"zach bennett" Discussed on 710 WOR

"Of our own team members Zach Bennett and his wife on Audrey welcome Ghazi Dave Hey you made it well I always had to come up stairs but we're here but you made it all the way to debt free we did like absolutely debt free that's a house and everything else that you're officially where people we are officially weird people this is actually our second debt free scream we did our first one nine and a half years ago we paid off all our consumer debt okay ends I I joked forever I was the only person ever to leave your office to do a debt free scream because we did one at the bank when we pay off my truck yeah and so now I'm redeeming myself by actually doing one here at the office because you work here when you did that right did yeah about ten years and years today all right ten years today touch that what way to celebrate your Ramsey versuri exactly I love it so you you when you first started here you paid off everything in ten years later your house is paid off yes Sir and we we didn't even have a house back then we were renting and so over the course of that ten years what what I was telling her we were we're reminiscing about when I when I got the job here we have to do it our first budget we never budgeted before and it was the biggest fight we've ever had in our marriage was when we had to do that first budget and it was terrifying because we didn't think we were going to have enough money to make it by moving to Nashville and all that but we didn't know how to handle our money back then yeah so once I got the job here and we started we went through financial peace university we started doing our regular monthly budget about ten years ago this summer yeah and since then we got out of all our consumer debt we saved up we bought the house without getting PMI and then we pay the thing off so so we've we've feel like we've gone from baby step one to maybe step seven in the ten years they have yeah that's why you feel that way that's very cool so how much of that how much was the house how much was the debt paid off in ten years well the the house itself was about a hundred thirty grand and you bought that when we bought it at the beginning of two thousand thirteen so right about seven years ago it took me seven years to pay off your house on thirty five thousand Bucks yep yep and we paid off the last fifty six thousand of it in six months okay what are in the minds want to know well because I know your income but we had some money that was just sitting in the bank kind of aimless we've been saving up for vacations or new car whatever and it it was just sitting there was just a pile of cash we what why don't we actually just throw that toward the mortgage and so that was a big chunk of it then that gets you excited because you can see it yes exactly and then I started driving for lift and door dash on the side and made a lot of extra income driving people around Nashville and then taking their food to them after they come back to their hotel rooms for fun I love it yes sorry what do you do for a living hello buddy I actually work in accounting and a local medical clinic okay very cool and your husband being hanging out these crazy people for ten years has had an impact I'm sure at times it was not always pleasant being a Ramsey spouse that's not bad but I'm very easy going person anyway okay all right well for those of you that I can't tell by Zacks Natan lack of fear on a microphone here is a radio guy he is on a radio team and does a lot of editing for ocean that when I'm out of town and you hear a best of that was actually in the work you make sure that we don't put best ups out there that say something that tells you that I was that it was four years ago that we take that we tape every show and then he goes through the mind picks out the segments that are usable and makes up the best of among other things he does but that takes up a large portion of your time that's a big part of it I'm also producing the YouTube channel every day so when you watch they ran the show on YouTube you see all the stuff we do in the lobby during the breaks or any other video packages we play on putting all that together on a daily basis as well yeah okay very good thank god all right that's what you can tell what's going on so well done you guys thank you thank you did it how's it feel how are you two I'm thirty eight thirty seven yeah and your paid for house yes Sir did you ever think when we bought the house you know you always say are you most people pay off their house in seven years we did yeah we paid it off and just sort of seven years about six and a half and we went to the bank that morning and we wrote the last check was sent off to Wells Fargo and never in my life I've been more happy to see that that go away about and it we we came home and and we just kind of walk through the garden when it we really did that it was kinda anticlimactic like it should be a bigger celebration but for us we went out to eat that morning and then I just came on into work so we could help some other people learn how to do the same thing I love it very cool and we just got back we we've already kind of celebrated we just got back last week we spent all of last week while you were in Australia we were at Disneyland in California so we had we had these buttons and they're showing it on YouTube right now it says I'm celebrating paying off my house if you go to Disneyland you can get those buttons and write whatever you want on it and so we had a bunch of people not only their cast members at Disney but also a bunch of just regular people that were standing with us in line with a look at our our buttons and just kind of double taking go I don't I don't think I've ever seen that one before that was five years he said yes we are very weird and happy to be I love it I love it so I know you know the answer to this but what's the secret to getting out of debt it's it's just paying attention it's it's budgeting it's living on less than you make it's earning extra income when you need to and just being diligent just paying attention from start to finish and and in art I'm stealing from up from a master when I say this but if you if you don't have a plan for your money you're not gonna get anywhere you know so it's it's just learning from you and and it it's not just that but I was thinking about this today too about being happy with what you have and not necessarily wanting all the best stuff when you can't afford it I was thinking about working in our old building for nine and a half years of my ten I worked in metal building and we outgrew it many many years ago but we were living with what we had until we could afford this one yeah and that was that was a good metaphor at for for us because we we always have been like well we didn't really need that we will be happy we're happy with what we have so so we've been practicing contentment for a long time and and we got this board last week when we went to California and Nevada it felt weird to be able to just spend money and go so we get this yeah we can why not the budget right godliness with contentment is great gain artery when people ask how you did that how did you get out of debt what he told the secretive honestly it really is the budget is the biggest thing for us because we've been doing that for like within ten years and so that's just I mean that's how we live now every month we do budget and and it's just you don't feel guilty like when we have things that we need we have the money there to do it and so if we need clothes we have clothing clothing money in the budget you know and then I hear other people who are stressed because something came up and they can't afford it but we generally are not in that situation because we have made a plan for that and so well prepared plus everything I mean other than possibly you know some of the folks on the YouTube team or you know James our producer Kelly R. social producer I don't know anyone that has to listen to the show more than you I mean if you don't get this stuff over ten years no one's going to get it my head is very hard but it's not that hard to body when you have more hours of this in your brain than anybody else other than the guy who did it and we've left several financial peace classes and I've had people tell me that all the time they're like you answer that exactly like Dave when I was like well I have a reason for that I've heard him answer to Philly in years of having to listen to your show every day at my job love it well thank god many worse jobs than that thank you very nice we're very very proud of you guys are wonderful team member your wonderful people and that you did it you're thirty seven years old your house and everything you're officially warrior people did in seven years out of it all right Zach in outer counted down but zero debt free scream three two one we are debt free.

Zach Bennett Audrey Ghazi Dave
"zach bennett" Discussed on AM 1590 WCGO

AM 1590 WCGO

09:43 min | 1 year ago

"zach bennett" Discussed on AM 1590 WCGO

"Ramsey solutions right on the stage of our own team members Zach Bennett and his wife on Audrey welcome Ghazi Dave Hey you made it well I always had to come up stairs but we're here but you made it all the way to debt free we did like absolutely debt free that's a house and everything else that you're officially weird people we are officially weird people this is actually our second debt free scream we did our first one nine and a half years ago we paid off all our consumer debt okay hands I I joked forever I was the only person ever to leave your office to do a debt free scream because we did one at the bank when we pay off my truck yeah and so now I'm redeeming myself by actually doing one here at the office because you work here when you did that right did yeah about ten years and years today all right ten years today touch that one way to celebrate your Ramsey versuri exactly I love it so you you when you first started here you paid off everything in ten years later your house is paid off yes Sir and we we didn't even have a house back then we were renting and so over the course of that ten years what I was telling her we were we're reminiscing about when I when I got the job here we have to do it our first budget we never budgeted before and it was the biggest fight we've ever had in our marriage was when we had to do that first budget and it was terrifying because we didn't think we were going to have enough money to make it by moving to Nashville and all that but we didn't know how to handle our money back then yeah so once I got the job here and we started we went there financial peace university we started doing on a regular monthly budget about ten years ago this summer yeah and since then we got out of all our consumer debt we saved up we bought the house without getting PMI and then we pay the thing off so so we've we feel like we've gone from baby step one to maybe step seven in the ten years they have yeah that's why you feel that way that's very cool so how much of that how much was the house how much was the debt paid off in ten years well the the house itself was about a hundred thirty grand and you bought that when we bought it at the beginning of two thousand thirteen so right about seven years ago it took me seven years to pay off your house on thirty five thousand Bucks yep yep and we paid off the last fifty six thousand of it in six months okay what are enquiring minds want to know well I know your income but we had some money that was just sitting in the bank kind of aimless we've been saving up for vacations or new car whatever and it it was just sitting there was just a pile of cash we what why don't we actually just throw that toward the mortgage and so that was a big chunk of it then that gets you excited because you can see it yes exactly and then I started driving for lift and door dash on the side and made a lot of extra income driving people around Nashville and then taking your food to them after they come back to their hotel rooms for fun I love it yes sorry what do you do for a living I actually work in accounting and a local medical clinic okay very cool and your husband being hanging out these crazy people for ten years has had an impact I'm sure at times it was not always pleasant being a Ramsey spouse that's not bad but I'm very easy going person anyway okay all right well for those of you that I can't tell by Zacks Natan lack of fear on a microphone here is a radio guy he is on a radio team and does a lot of editing for ocean that when I'm out of town and you hear a best of that was actually in the work you make sure that we don't put best ups out there that say something that tells you that I was that was four years ago that we take that we tape every show and then he goes through the mind picks out the segments that are usable and makes up the best odds among other things he does but that takes up a large portion of your time that's a big part of it I'm also producing the YouTube channel every day so when you watch they ran the show on YouTube you see all the stuff we do in the lobby during the breaks or any other video packages we plan on putting all that together on a daily basis as well yeah okay very good and you got all right that's what you can tell what's going on so well done you guys thank you thank you did it how's it feel how are you today I'm thirty eight thirty seven yeah and you know paid for house yes Sir did you ever think when we bought the house you know you always say are you most people pay off their house in seven years we did yeah we paid it off and just sort of seven years about six and a half and we went to the bank that morning and we wrote the last check we sent off to Wells Fargo and never in my life I've been more happy to see that and I go way back and it we we came home and and we just kind of walk through the garden when it we really did that it was kinda anticlimactic like it should be a bigger celebration but for us we went out to eat that morning and then I just came on into work so we can help some other people learn how to do the same thing I love it very cool and we just got back we we've already kind of celebrated we just got back last week we spent all of last week while you were in Australia we were at Disneyland in California so we had we had these buttons and they're showing it on YouTube right now it says I'm celebrating paying off my house if you go to Disneyland you can get those buttons and write whatever you want on it and so we had a bunch of people not only their cast members at Disney but also a bunch of just regular people that were standing with us in line with a look at our our buttons and just kind of double taking go I don't I don't think I've ever seen that one before that was some weird **** yes we are very weird and happy to be out I love it I love it so I know you know the answer to this but what's the secret to getting out of that it's it's just paying attention it's it's budgeting it's living on less than you make it's earning extra income when you need to and just being diligent just paying attention from start to finish and and you know I I'm stealing from up from a master when I say this but if you if you don't have a plan for your money you're not gonna get anywhere you know so it's it's just learning from you and and it is not just that but I was thinking about this today too about being happy with what you have and not necessarily wanting all the best stuff when you can't afford it I was thinking about working in our old building for nine and a half years of my ten I worked in that old building and we outgrew it many many years ago but we were living with what we had until we could afford this one yeah and that was that was a good metaphor and for for us because we we always have been like well we didn't really need that we will be hit we're happy with what we have so so we've been practicing contentment for a long time and and we got this board last week when we went to California it felt weird to be able to just spend money and go should we get this yeah we can why not the budget right godliness with contentment is great gain Audrey when people ask how you did that how did you get out of debt what he told the secretive honestly it really is the budget is the biggest thing for us because we've been doing that for like within ten years and so that's just I mean that's how we live now every month we do budget and and it's just you don't feel guilty like when we have things that we need we have the money there to do it and so if we need clothes we have clothing clothing money in the budget you know and then I hear other people who are stressed because something came up and they can't afford it but we generally are not in that situation because we have made a plan for that and so well prepared mmhm that's everything I mean other than possibly you know some of the folks on the YouTube team or you know James our producer Kelly R. social producer I don't know anyone that has to listen to the show more than you I mean if you don't get this stuff over ten years no one's going to get it my head is very hard but it's not that hard when you have more hours of this in your brain than anybody else other than the guy who did it and we've left several financial peace classes and I've had people tell me that all the time they're like you answer that exactly like Dave when I was like well I have a reason for that I've heard a mansard opinion years of having to listen to your show every day job love it when you guys many worse jobs than that thank you very nice we're very very proud of you guys are wonderful team member your wonderful people and that you did it your lotus seven years old your house and everything you're officially warrior baseball did in seven years out of it all right Zach and Audrey counted down but zero debt free scream three two one we are debt free a well some of you listen the show for free Zach gets paid to listen to the show not a bad gig I guess worst things that have to do what he does act very very proud of you guys when you guys are special people you're great friends the great team members were so so proud of you guys house and everything at thirty seven years old man the whole team is gathered around here and do this and they're screaming with them everybody's top five and this is real you guys very very real a lot of it this is the Dave Ramsey show this folks great.

Ramsey Zach Bennett Audrey Ghazi Dave
"zach bennett" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:53 min | 3 years ago

"zach bennett" Discussed on The Dave Ramsey Show

"Live from the headquarters of ramsey solutions it's the dave ramsey show were that is dawn cash is king and the paid off home mortgage has taken the place of the bmw as the status symbol of choice i'm dave ramsey your host we invite your calls toll free and nationwide a triple eight eight two five five two two five well total eclipse jokes are running abound to say the least it is eclipse monday and one of the best daveramsey eclipse jokes i saw was a guy tweeted about daveramsey zero pissed off now that the mastercard logo is in the air not bad not bad of them out as pretty pretty observant um always thought of that is like two i always thought of those like the the uh olympic rings or something but it really is just too circles inner it looks like an eclipse doesn't know mastercard local of course noise uses at dale use visa an but anyway it's such as life such as life so yeah zach bennett and kelly daniel and i are the only ones working right now hey everybody else's in the parking lot so it's getting dark endow we're all going to survive without a doubt yeah martin was running around gaza gone shipping and said you wanna see a picture of the total eclipse yeah and it was a picture of his eclipse car the guy told us not bad it's a little bit of uh but of m shrink but a little little rim shot there but i you got to have some fun with this kind of some fun with it when amazing event and i ruddy is different people are excited about it at different levels of the knicks sabin uh press conference where he is unimpressed in this letter by get back to work i love nick sabin i'm a tennessee fan but you gotta love his miss press conferences are hilarious or bill bellichik as ripe.

bmw dave ramsey martin ramsey zach bennett kelly daniel tennessee bill bellichik
"zach bennett" Discussed on KOA 850 AM

KOA 850 AM

02:12 min | 3 years ago

"zach bennett" Discussed on KOA 850 AM

"Realised glasses haul it was so embarrassed came by here do you alone that autry series yeah he stopped lie he goes no i'm gonna go through it was studio we do reason no one else is in this room except for day ever again admin assistant christie coming down in chill clean that whole thing during the number i foreign going through so you could stay in here with the smell who's on may one st long evil i i'm always going to do that always think about i had to quit saying it was kinda like the forty in thing 'cause i always say you know what the caller like hey what's up mark tell me what you up and then if their name was choke i'll go home it said to him i would say it out almost crap and portuguese probably had that his whole uae during a terrible system now the mix minus thing for we went into the break with a is if you if you guys are out there don't know what that is i didn't know what it was for click on the radio but apparently when you're sending your signal from one studio to another you know it takes a few seconds to get there and it comes back in your headset you're hearing yourself three to five seconds later and there's nothing more distracting in the world you can not if like you're is like pat your head rubbing your stomach almost impossible to think and i talk yep while you're hearing yourself back five seconds later very clearly in your headset and so yeah we're i go on the air that's going on for a little while and i just thought there is no possible way that this i can and so i'm like okay black we are going to besta tiger three two one s we'd have any best and now we have a guy zach bennett that all he does a lot of things but it's number one key result areas listen to the show every day for anything he catches that maybe a date dave mentions or something we don't wanna rear and archives those and so whenever daves out you usually don't know he's out he does such a good job editing rosalio it's actually the best segment so it's like.

christie uae zach bennett autry dave five seconds