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TRANSCRIPT
00:00:24 from the headquarters of Ramsey Solutions it’s the Dave Ramsey Show for Dad is dumb cash is King in the payoff on mortgage has taken the place of the BMW is the status symbol of choice I am Dave Ramsey or hose to invite your calls starts off this hour and Honolulu HI Tyler how are you
00:00:57 I hate how you doing better than I deserve what’s up
00:01:01 I’m in the Army on the 19 years old and I love baby step 1 and doing the Christmas time for your time to go home and I was wondering should I get to my emergency fund be able to go home my godfather would say diagnosed with stage 4 colon cancer
00:01:20 what do you make a year
00:01:26 I’m anemic you currently I’m about to be promoted to E3 if I’m making around 20,000 can you live on base
00:01:34 so what’s it cost to go home
00:01:40 I will do that place last week and the cheapest one I found so far is $967
00:01:48 Ocala Florida
00:01:51 big jump from hunt on Lula okay
00:02:00 they haven’t something a program like that but it’s hard to get on it during the holidays and I didn’t get that place in the place might be even more if I’m trying to leave within 3 days if you buy the flights and lost that money cuz you’re going to get refunded
00:02:24 you got to use the ticket and you don’t deserve your only chance use ticket all right it’s a decision you have to make your own man thank you for your service to the country and they said that it’s a difficult decision cuz you’re broke and you know you have to declare this an emergency to use your emergency fund
00:02:48 and I know if it’s a vacation and it’s not a vacation but if it’s a vacation then it’s not an emergency right but it’s going to see your eyes if you’re going to see your godfather who you know has been given a horrible diagnosis you and in your mind and your closeness with him and so forth is an emergency or if you’re using that to just rationalize going home and seeing your mommy for Christmas then don’t do it right but if they if this is something that’s your that close to him and that means that much to you than you know yeah you would go do it probably but you’re declaring it an emergency if you’re using almost your last dime
00:03:25 okay this is really it’s really really cut this down and why it’s got to be a big deal to do this or something like it is a big deal but it’s not the sort of, I’d like to go home to musicians accused category it’s got to be this is something I regret the rest of my life because this man means so much to me and swollen zombie on it’s got to be big deal category see what I’m talking about anyone get diagnosed with cancer but the weather you make this trip there is dependence not upon the diagnosis but upon your relationship to this person
00:04:10 and doesn’t you know if you’re very very close to this person that’s fine if you met them once when you were three and then they’re declared your godfather then you’re using this as an excuse to go home
00:04:23 you should have different person that raised me since my father passed away right now and that’s what that’s a different that’s what I’m talking about you’re using your last freaking time
00:04:38 oh and by the way between now and Christmas Megan 20 grand living on base I don’t know where your money is going to be saving a bunch
00:04:45 I seriously just started your program I got a feeling once I first got my job first check to work with and you really don’t have anything to do with money because you’re you know your food and your clothing and your housing is furnished
00:05:06 so stay on base at don’t party and put all your money in the account
00:05:11 yeah I completely stopped after all my bills and my buddy today I can put away around $400 a paycheck so I’m sticking around like by the time I’m able to go back I should have around 1,600 thinking the right way and you might even further you shouldn’t have a lot of bills unless you got some debts but it is again your your Necessities are food shelter clothing and so forth and your situation sound thank you for serving your country sir and I hope this works out for you appreciate the call of the Dave Ramsey show my call a couple years back I received inheritance some of it was mutual funds and somebody will stocks directly now it’s twelve thousand of mutual funds and about 5,000 stocks my wife and I are on baby step number to leave $24,000 in
00:06:11 my question is should I cash out that mutual funds and all that and the snowball Rachel friends
00:06:25 okay am I going to have significant title when it comes to text I’m not going to be on are they in inherited IRA
00:06:35 I don’t believe so I think they said it was a single account or something I left for work but if it’s just a simple stock account a simple mucho fund account your basis for tax purposes is what it was worth when you inherited it you will only pay taxes on what it is gone up since you got the money
00:06:55 it’s roughly $4,000 is what the it is gone up since I inherited okay and so you might have $1,000 in taxes
00:07:05 okay something like that that be the most so you know see if you cash it out you know holler at your tax guy have them look at the What’s called the bases or basis is your market value at the time of inheritance and the change in basis from that time where was worth at the time you inherited it up to now is what is taxable and so there’s no tax on anything that you inherited at the time so that that’s the deal but thanks for the call man I appreciate it but that check your tax guy and I’d set aside the thousand bucks but yes we cash out everything that is not retirement and use it on baby step 2 because we’re getting out of debt so that we can build wealth because your most powerful wealth-building tool is not an inherited stock account it is your income or trying to get your income back because right now it’s committed to other people sounds like that ugly woman shot him a steak and some of yours student loans and so we have to kick the ugly woman out
00:08:05 old ugly woman get to the curb that’s the plan with Sallie Mae we want her out we want any big time eviction notice served right there just check it to her forehead right there we go you are leaving the building lady that’s how this works you can do this you got it man this is the Dave Ramsey Show
00:08:55 if you die, and get your last will and testament LegalZoom is not a law firm attorneys can answer your questions from start to finish today and get special savings at checkout life meets legal legalzoom.com promo code Dave
00:09:37 Ronnie Milsap our number one best-selling author and host of the wild least popular YouTube show the Rachel Cruze show Rachel Cruze Ramsey personality and my daughter don’t welcome back thanks for the 2,000 people for the last marriage and money event in Irvine right money and marriage work. I actually talked to some people and they said you guys were just like stand up comedy that you two were having too much fun you unless it was before on a show of America
00:10:36 it’s just hilarious is a very Lively crowd there always finds Orange County and it was just people are needing because people are struggling with her marriage to the top things to take away of how to communicate more effectively and I’m getting to use those tools conversations with your spouse and how crucial it is to be on the same page with also teaching in a cigar basic things like getting out of debt and budgeting and all that but it’s fine it’s a great tickets they are and so you can check it out, love it love it love it this very cool and I
00:11:36 and they were they were amazing it was a it was a fun fun group shop and cities I didn’t do a personalities and sometimes different it always comes up speaking of which are you and I will be this Saturday during the day of our lives in Kansas City and I just got an email a minute ago it sold out and so I were actually going to continue to oversell a little bit cuz there’s some people that don’t show she can probably still actually get a ticket but we’ve sold more tickets in our seats already know something so over sale because this general admission tickets people don’t come for some reason or other sometimes but charged enough for the ticket if you charge a lot to take it the male witch called
00:12:30 set alarm for this weekend in the smart conference is it it’s so all-encompassing and now every different area of your life and the people that are on stage speaking about myself cuz it’s so good at what they do and getting these Scout amazing 10 minutes to apply your life stages of your life you’re going to get it whether it’s your kids ages where you are financially to a Smart conference here in the area still, because you can still do you learn new things where you are in life
00:13:30 Anthony O’Neal talk about teenagers can call me to buy careers Chris Hogan about millionaires with your talk is Northwest what number one book and I’ll get stuff I’ll be closing day out let’s pair to bits as I said talk about marriage the skin Henry Cloud on the boundaries and I’m missing somebody else what other folks flipping women to make money doing what they laughing are good stuff so there’s not yet sold out and are the Phoenix Arizona money and marriage event is November 8th and so that’s just a couple of weeks away in the end that’s Rachel and less and that one is
00:14:30 directions to Shell out there in about 2,000 tickets and I know some look at the reports on the as those tickets and so I have to go and it’s just pretty amazing that these events everything we’re doing this ball is just jammed I think there’s like 14 tickets left a business Boutique for the Christie’s doing in November it’s down to nothing amiss. Almost sold out for you and the next marriage and money event will be February 14th in Nashville Valentine’s Virginia and Nashville show in your episodes are on YouTube as I am in Facebook is coming out I came out yesterday right and zoom zoom again and so the Rachel Cruze show what’s the subject about this weekend comes out every two weeks right
00:15:30 she’s good. She works with easy recipes to make at home because money is always a number one area in our budgets that we bought six wooden myself people are saving money cuz the beautiful thing about an hour to save money it’s unbelievable in to make money and so it’s it’s great some great tactical content of that show so I can check it out on YouTube or Facebook
00:16:26 Mary to be sure and tune in new ways to save money the Rachel Cruze show drops every every two weeks we drop another episode out and every single episode has more and more and more and more fewer and I’ll your subscription and I’ll dial in on this stuff like a cool I don’t know the stuff on YouTube if you go to someone’s Channel like the Rachel Cruze show channel and you can subscribe to her YouTube channel that anytime she post a video of any kind YouTube are YouTube usually the stuff that they’re posting
00:17:13 the show is they may take a debt free scream and repost it or they may take a rent and repost it out of my show that kind of thing but Rachel show is that and I are we allowed to talk about the other project you’re working on regarding your YouTube yet
00:17:27 I don’t know who is the CEO you could make it pushed back release cuz you have to send it in like a month before in order all winter or summer side, there’s some cool stuff happening some cool stuff happening in Rachel’s world that’s what were some stuff that people been asking for her and we looked into it was like yeah we could do that right there probably is going to find out it was supposed to happen sooner but we might be different
00:18:27 financially and it’s a fun I’m going to be master, I’m living like no one else so I’m not with you with you was right there with you Cruise show on YouTube you can subscribe to it don’t miss it Rachel thanks for stopping by this is the day Ramsey Show
00:19:30 in the lobby of Ramsey Solutions
00:19:34 hell is where this IL how are you how are you doing and I in your hair to do how much we fight off a thousand fifty thousand and the second job towards the end of my baby step 2 so is it a part-time thing at the YMCA of the stores where we look like to be kept out of trouble is that alright what kind of dog was the 16,000
00:20:34 Axel Axel Axel financial aid as terrible as it sounds I didn’t really know what that title number was going to be so I was kind of just doing my exit counseling and I saw how much I owed and it was terrifying because I knew what my starting salary was going to be and I owed more than my 1 year salary so I sold my monthly payment and then I saw all these different payment plans and you know I’m in accounting so I knew the interest was going to add up quickly so yeah it was just it was very scary but I knew about the baby steps so I just decided that’s the route I was going to take okay so where can I buy Thrive stuff from actually listen to the Dave Ramsey Show and I was like in junior high and high school age
00:21:34 so my dad is a farmer in Kansas summer time I drive tractor and combine out in the fields is the radio AM radio and you learn quickly that they play the same songs so you don’t listen to ask him in the morning and then I switch to the Dave Ramsey Show from 124 nice little late in the day I have a strange New Vision now they show do you as a little kid driving a combine that’s bigger than a house tuning in the radio as you’re out here getting some a picture of it and I’ll ask my dad drive combine and cut the wheat and after that we have to work the fields so childish
00:22:34 by yourself that’s really say you like 12 or 13 or something like that I have two older sisters and they did the same thing so far Mueller not to work
00:22:51 very cool alright so you this is drilled in your head you come out of my account and get the degree look up and sew baby steps I got a guy from the radio then what happened then chew it so I went to Kansas State University I move to Kansas City to get established but then I jumped right in I started paying off my debt and then I get a little bit of a bump in the road into the process I was in a motorcycle accident and so I had to hit pause on the baby steps for about 6 to 8 months and I just paid the minimum and then I picked it back up and was able to pay everything off but I’m so thankful that I was working your plan because I think I probably had an emergency fund in place and that was so important that it was so helpful to me in a situation that I was in so much more manageable so I’m just so grateful that I followed the plan and had that set aside
00:23:51 so many vehicles in the story, motorcycles or the name is just too much at one out for you how does it feel now that you did this thing in the world how old are you I’m 28 years old. All the time very well done very cool. Yes I did I talked about the plan constantly throughout the process just talking about Dave Ramsey cheerleader
00:24:29 CC my sisters I told her sisters and they are also working the plan and they’re working on paying off their student loans right now so throughout the process yes well. I’m just being content with what you have that was such a big thing throughout this process is just learning to be content with what I had and not focusing on what’s on social media and what everyone else is doing that was just so beneficial to me you just have to focus on yourself have y’all here and proud of you I’m sure your parents are proud of you and your sisters way to go get your dad at your daddy
00:25:29 the millionaire you’re on your way you know the numbers you can do this it’s very very doable very well.
00:25:41 This is a motorcycle riding combined driving woman right here I’m telling you
00:26:00 yeah wow where to go absolutely amazing very well done yes then get any better Madison is an Atlanta High Madison welcome to the Dave Ramsey Show on and pursue my Master’s Degree while living at home so I’ve been able to finish my education debt free but now that I’m on my way on my own and I’m just curious if you’d recommend renting or buying a house with somebody that has a little bit unless it was a very unusual situation
00:27:00 completely debt-free
00:27:03 and I’ll be on that how much do you have saved towards your house buying for cash
00:27:08 I got about 30 thousand in the bank right now but I would have gained Federal HR Consulting
00:27:20 elderly dog in Celtic Gaston and that’s your degree was an English major what the best daily the path I wanted to take didn’t feel like that was where I was in life so I had to talk with you and he’s kind of good for you very well. I don’t mind so much money you’ve done such a good job you’re only twenty-five I might take six months and just kind of get it going to take a six-month lease somewhere and just kind of get settled in and start thinking about okay inform what you have in the apartment or don’t have an apartment that your rent and where it’s located you might be frustrated with things you didn’t realize you’re going with which would tell you which what to have in the house that you buy you might make a better
00:28:20 Sound Decision on the house what you learned by renting for that short. Of time probably would actually sometime we going to try that but it’s no it’s no problem go ahead and buy you made all the guidelines if you want about it but again I didn’t do that we want to have a mortgage on a 15 year fixed as a maximum or the payment is no more than 1/4 of your take-home pay on a 15-year fixed-rate mortgage this is the Dave Ramsey Show
00:29:28 Michelle Michelle
00:29:36 I have recently got engaged and I found out that my fiance is 250 he makes about $90,000 a year $47,000 of that goes to his ex-wife for child support and maintenance I’ve never been in debt and I honestly don’t know how where we would even start it get out of this set and how
00:30:18 how old are you guys I’m 36 and 38
00:30:26 basically from the divorce he knows about $70,000 to his ex-wife
00:30:34 $45,000 on a vehicle that he turned in for a voluntary repossession $30,000 to her lawyer and his lawyer and about $75,000 in credit card debt but with everything we ended up paying everything
00:31:00 whenever the divorce went through he was making about $125,000 a year and we and we lost the job I lost my job and so he’s gotten back he works in the plant he gotten back to working but he had to go with a different company and they offered him $5 less than an hour later and the plants are in Louisiana
00:31:40 how much Daddy had until after you were engaged why I was not aware I was not very smart and I didn’t ask him about his yet I’ve never had that it didn’t cross my mind
00:32:05 that you should have had this information prior to making a commitment to marriage that’s kind of a problem like he was hiding it
00:32:17 and that bothers me more than the debt right this moment and so what’s his attitude about the debt
00:32:30 I just don’t want to start a marriage now that I know about the debt I can accept that I just before we actually set a date to get married I want to know that we are on a plan to get this and that he believes in that plan and is committed fully to that plan if he if he can if he is for whatever reason has it has given up hoping it feels like you stuck a just going to stay there or he just doesn’t care or whatever about the dad if for whatever reason he’s just going to wallow in this that’s a deal-breaker it’s not the bet I wouldn’t tell you to not Mariam over the dad but I would tell you to not Mariam over lying about it or not Mariam over the fact that he wants to just stay in it cuz you’re not going to beat you know it’s a long life hell for you
00:33:23 if you don’t think about 10 years 15 years from now you’re still wallowing in the stuff you’re not going to be okay with that going to be all in like we live on nothing and you know he probably just go back to court and adjust some stuff
00:33:44 and I don’t think he owes $45,000 on the repo I think that’s what he owed on the car at the time they repoed it you don’t know what she driving at Suburban which I think is absolutely outrageous
00:34:03 and so that the 45,000 is the difference I got settled at for pennies on the dollar I can probably sell that 410 Grand but the rest of stuff I don’t know I’m in the XY saying I don’t know what you’re going to do with that how in the world ends up I want her and these two attorneys wow you might be able to settle those with lump sums I mean you might walk up to her and say Here’s a check for 30 if you’ll go away and she might take it you know but you have to have the $30,000 as long as I’m better not $30 and so you know you got to put some money together here and that means both of you are going to get your in comes up and you both have to have a high desire to get out of money article that an end to make more money to do that you have to both have this thing and it’s still going to take you a few years I mean if you guys just go bananas it’s going to take you a few years so I
00:35:03 that that’s what you’re facing and I bet that the thing is folks hear those of you dating out there it is not a deal-breaker as far as I’m concerned you can be for you you can say what you want to do with your life but I don’t tell people to not to get married over that I do tell them to not get married over the decision to stay in that when you don’t want to stay in that because that’s going to be when you can’t be in agreement on money before you get married when money is the number one cause of divorce we can highly predict that your marriage is not going to last it’s it’s the number one cause of divorce you don’t agree on guess what you’re going to get divorced I mean that is a fairly simple equation here and so are you have to be in agreement so I don’t think I’m 50 doesn’t scare me scared me but it doesn’t terrify me to say this guy’s not a keeper I don’t know if he’s a keeper or not I can’t tell sure has a bad taste in lawyers I know that because he got
00:36:03 but anyway and half of his income house gosh wow somebody so this was not an equitable situation was but anyway so committed to cleaning it up if we are ready to go that’s fine thanks for the call open phones at 888-825-5225 Alex is in Pittsburgh hi Alex how are you
00:36:50 hey Dave how you doing better than I deserve what’s up
00:36:54very good hey we are newly married and looking to create a plan for word as I’m going through it looks like we are on step 6 we’re debt-free we have 6 months of savings both put about 15 to 17% into 401k
00:37:23 doesn’t happen all the time right I really good for you if mortgage is RMA. Okay I’m not I’m with that we have about fifteen thousand extra on savings on top of our six months emergency fund for the question is still about 48 on the house worth about a hundred minutes in a good rental area so our goal is to move in about two to four years and with that 40 15 extra Grand do use that to start paying off the mortgage more right now I do double payments so where are you actively trying to pay that off quicker but do we fully commit to paying off house early or do we split it and keep keep doing the thing down of the the mortgage and bulking up for a downpayment knowing that we want to
00:38:23 real estate real estate I really want you to get there I do not personally buy real estate with that for investment and I don’t tell people to buy investment real estate with that ever and so you borrowing money to buy your next house mean while keeping a paid for a rental is the same thing as borrowing money to buy a rental affect the place I know you’re going to like my answer but I would tell you to sell the rental by your next house when your ex house is paid off save up your money pay cash for the rental that would be a baby step 7 issue hey thank you for the call Sir this is the Dave Ramsey Show
00:39:09 the guy just Blake Thompson sheep production officer for the Dave Ramsey Show here’s a tip to
00:39:15 Dave’s classic facial expressions to some of those calls make sure you watch him live just visit daveramsey.com show each day from 2 to 5 p.m. Eastern Joy
00:39:29 guise of your looking for real world leadership in business advice from the top minds and business check out our entreleadership podcast they folks can cold in here would love to have you join us weekly dive into conversations with the top minds and Leadership and your business questions to yourself your team and your profits don’t you listen to podcast of the Dave Ramsey Show
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