2 he believes one of the accusers James Roche a roommate of Supreme Court nominee Brett Kavanaugh is a jail in the fall of $83.00 says he believes Debbie Ramirez is account of a drunken Kavanaugh forcing her to touch him he spoke to A.B.C.'s Wayne Friedman when we spoke with Roach about Ramirez he said quote I believe her to be unusually honest and straightforward I cannot imagine her making this up Rush also said quote Based on my time with Brett I believe that he had his social circle were capable of the actions that Debbie described Kavanagh has denied the accusations he and accuser Christine blazin Ford go before the Senate Intelligence Committee on Thursday on Fox News Cavanaugh said he still enjoys Mr President from support I know he's going to stand by me called deception and so he's standing by me and there's word of a 3rd accuser Michael I have an audio of the attorney representing adult entertainer Stormy Daniels in her defamation lawsuit against the president says they will release her name and additional details relating to her allegation there are going to be many many may be witnesses that will corroborate what my client says that alternately I believe what Dr Ford has stated also Thursday President from might fire deputy attorney general Rosenstein New York Times reported Rosenstein last year discussed recruiting cabinet members to oust the president Violet 25th Amendment Dallas Police fired officer Amber Geiger who shot and killed both in John in his own apartment after entering it by mistake Dallas police chief in a hall said the decision to fire Geiger follows an internal investigation John's family said they learned about the chief decision on Sunday the same day the 26 year old was buried in his native St Lucia A.B.C.'s Marcus Moore in Houston Cody Wilson who wants to release blueprints for 3 d. Printed bill guns is free on $150000.00 bond charged with having sex with an underage girl you're listening to a.b.c. News did you know that the i.r.s. Is getting more aggressive these days and they're using private agencies to track you down. Don't wait if you will more than $10000.00 take advantage of the fresh start initiative a program in place that can help you now you can save thousands and possibly have your taxes forgiven call the tax representation helpline now about the Fresh Start program if you qualify it will stop the i.r.s. Collection agencies from coming after you within 24 hours get the break you deserve and call about the fresh start initiative now call the tax representation hotline now 802951046 hurry or it will just get worse that tax representation stop the i.r.s. From targeting you within 24 hours call the hotline now 802951046 that's 802951046 there is help for those of you who owed $10000.00 or more but it's important that you take action before these programs change call the special tax representation hotline now at $8295104682951046.00. In the. Court. He was taken to an area hospital where he would later. In the incident. Yesterday afternoon. Facing a number of charges including. The 300 block of street. And a firearm. Contributor to change. I. Want to go to the Daytona 500 Kern radio and Pastor I want to send you want to get to the 2019 Daytona 505 round trip to Orlando Florida have a 3 night stay in Daytona Beach and 2 tickets to the Daytona 500 good occurring Radio dot com sign up always sign in to Kerner warts and enter to win Bastrop and the station sending you to Florida for the 29 team Daytona 500 News Talk 1180 and the new 961 k e r And. Our day starts very early in the u.s. So we support the troops at more than $130.00 centers around the world and we never know exactly when we'll have a full house but whatever comes our travel arrangements phone calls and e-mails back home we'll do our very best to see they get what they need if you want to make a difference in the life of someone serving our country if you really want to make a difference the u.s.o. Is how it's done donate today at u.s.o. Dot org The u.s.o. Until everyone comes home. From the head waters of the solutions it's the Dave Ramsey Show that is cash is king not made all the more that has taken the place of the b.m.w. The status so full of soldiers I'm Dave Ramsey your host this is your show America because it's all about you the phone number here is for you a triple 882558225 that's triple 88255225 Kurt is where those in Boulder Colorado I Kurt welcome of the diagrams as you know I answer in b. Thank you for taking my call sure what's up. So I am a junior in college 20 years old and I have a full ride scholarship 2 years ago right before my freshman year my father suddenly passed away of a heart attack and left me 50000 dollars from him as well well my now that money has been put in bank account and I've left untouched for 2 years and I've been a longtime follower listener of yours Mr Ramsey I read total money make over when I was in high school and so I felt like the best plan of action would be to call you and ask for your advice on the steps going forward at this money because as you say you know nothing is going to happen unless I do something with it and I'm sorry that's a tough thing to go through it your. House your mom don't. She's doing well you know it's a it is a tough thing to go through but and then financially she's on she calls your baby step program she's on Step Number 6 Well it sounds like he left everybody taken well care of a good man. Well the good news is you sounds like unless something fouls up you've got and you don't need the money to get through school and the right answer and I have no doubt whatsoever that the way I would look at this is I would look at it as an insurance policy. That Kurt and ensures that Kurt is going to graduate debt free regardless of what happens Ok so if the if the scholarship blew up or something weird got sideways or something like that then we know you've got the money to finish and not have to borrow money that's it's primary use. Is to make sure you graduate 100 percent debt free it's secondary use would be after you graduate you would do something with it you know might buy a car you might move up in a car or something you might start some investing at that time that's serious and more serious investing you might think about buying a home at that time so you'll have some use for it after college if you don't use it up and I'm thinking you're not going to use it up I'm not expecting anything bad to happen but it will use it for now primary use is the insurance policy than to after college we would use it for wherever you are in the baby steps and whatever purchases you need to make an investment you need to make at that point so all of that said I'd probably sit down with a smart investor pro and I'd probably put 30 of it maybe in a very conservative type growth stock mutual fund maybe like a Growth and Income Fund and I might put the other 20 of it in just a money market that way it's not going to earn much but that's kind of your safety net the other money's invested a little bit better and it might go up you know you might make 3 or $4000.00 a year on it for the next couple of years I've been kind of nice and I had had some money to it so when you graduate it's more than 50 it's ins of being you know 55 or 60 or something something like that and it's not going to do that if you leave it just in a simple savings account but you also sit down with one of the smart Mr pros in your area the people we recommend that don't work for us in the investment business and you know where they are just click smart Vester it Dave Ramsey dot com They can help you do some of each you know some in a money market some into an investment. You know you're in a pretty safe place but I just really want to make sure that. You know no matter what the story line is of the next 2 years of your life that you graduate completely debt free because I think that's on uring not only to good financial planning but it's certainly honoring to your dad's memory and he obviously did a great job taking care of his family in life and and death so while pretty incredible open phones that Triple 88255225 you know we don't ever like to talk about losers of my like that. And I have over the years had friends that passed away in their kids are my kids age and you know they become secondary kids to us in the sense we're in their lives and. You know sometimes they pass away and you know their spouses in our life and we we watch them go through the struggle or not. And don't you just say you got to see this too it's not just me it's not just because I'm the you know there's this money character but now in it. In one sense maddening and saddening and and and on the other since other side the coin I guess really. Just honoring that when someone actually has a will actually has a life insurance and has actually taken care of their family in the event that they die before they think they're going to write because we all think we're going to have to be 100 and be a good mind and still be you know skin Blackmon down the mountain right I mean we're still going to be doing everything in 100 right but we're not and we're not all go make it a metric none of us are going make it. Might make it to 100 but doing a make it much past that a year ago my get you know that so you know what I'm honoring thing to when it be cool if your son your daughter was that young man he calls up and said you know my bad took care of my mom she's in baby steps 6 my dad took care of me. And. By the way he handled the money by the way he handled his life insurance by the way you handled his will so you can do all that you can go get your will today and you might be 32 you might be $26.00. I've got bad news for you 26 year old diary day 2 so you need to get your well done you need get your life insurance in place you need to have a plan for your life and a plan and part of a having a plan for your life is having a plan for your death although Well I'm a die you're gone die and doing a will does not increase the probability of her death nor does it decrease it by the way so you better get ready You gotta get ready and that it's the way you say I love you to your family it's the way you look in the mirror at yourself and you say I'm lookin and a dolt I'm looking at a grown up who took their responsibilities their family seriously that's a big deal you guys that's a big deal it's when you quit living for Friday night thank God it's Friday oh God it's Monday you start actually having some vision for your life changes everything and then maybe hopefully not but maybe your son or daughter's calling me some day and my dad took good care of us that's pretty cool statement you know that's pretty cool statement a lot of worse things could be said about you and a whole lot of worse things could be said about me. But that one I got taken care of. I may not make it sort of this hour but that one is taken care of I can promise you Sharon kids oh even those kids are all I'll be Ok financially they're going to be just fine spiritually they're going to be just fine and as the part that I had to play in them and I don't get to make all the decisions apart that I had to play and that those decisions were made I was out a long time ago I will be a grown up. Adults devise a plan and for children to do what feels good this is the diagram she shall. Pass. I get asked all the time when in the baby steps is the ride time to buy life insurance my answer is typically now life insurance is not part of the baby steps because it's needed when your family has debt and not enough savings to provide for their financial needs that's when they're at the highest risk and no matter where you are in your baby steps it's a necessity not a choice this includes working husbands and wives as well as stay at home parents it's pretty expensive to replace those stay at home parent responsibilities I only recommend term life insurance since it's the most affordable way to get the right amount of coverage and not break your budget go to Zander dot com or call 803564282 these are the guys I personally use term life insurance is inexpensive and your family needs this no matter where you are in your baby steps that Zander dot com or call 803564282 Zander dot com Hey this is Rachel Cruz that is always drilled into us that you can buy quality things and still get a great deal that's why I love tough needle mattresses tough to needle offers amazing mattresses for every budgets and now they have a brand new mattress called mints they took their best mattress and made it even better it's incredible try to have to needle for a 100 nights risk free at c.n.n. Dot com that c.n.n. Dot com And remember it's tips for free that c.n.n. Dot com I know it's back to school season but that doesn't mean you have to stress out about what's for dinner for almost 10 years I've been telling you about my friends at the meals who make meal planning and shopping virtually sure as free you can even have your groceries gathered for pick up over delivery right from the emails app it's the smartest way to save money every month and you'll be a hero as your family eats delicious dinners together sign up for a free 2 week trial today at the meals dot com That's emails dot com. Wake up to 1st look with Scott Cox one day morning 6 to 10 do not miss the Tuesday edition of the 1st look program Kelli parents coming by She's director of the Small Business Development Center she's going to tell us about this expo they've got coming up there's obviously madness in the White House but what I will track all of that for you and all the local those that say and plus traffic and weather that's all that exists today right here is talk a live update of the News 96.8 more personal one Scott Cox going to morning 6 to 10 on Cain e.r. And nobody ever says It's just cancer get over it or snap out of it it's just diabetes and who would ever say it's nothing serious it's just heart disease but you do hear those words about people living with another serious illness it's called depression and it threatens the lives of more than 15000000 Americans like heart disease its symptoms can be misleading like diabetes it's biologically based and like cancer it can be fatal So what we should say is what doctors medical professionals and other experts say depression can be treated which is why those who have overcome it say getting treatment is like getting your life back depression is real but so is hope learn more that depression is real dot org. Supported by a coalition of mental health organizations including Mental Health America the National Alliance on Mental Illness and the National Medical Association I want to go to the Daytona $500.00 Kern radio and pastor of want to send you want to get to the 2019 Daytona 500 you'll fly round trip to Orlando Florida have a pretty nice day in Daytona Beach and 2 tickets to the Daytona 500 could occur in radio jock sign up or sign him to Colonel warts and entered a way a pro fast trip and the station sending you to Florida for the torn. 19 Daytona 500 Newstalk eliminated and a new 961 k. Heat on. The 2nd of October a Tuesday night we'll be doing our 1st ever smart money home in San Francisco just looking at the sign ups it looks like there's about $140.00 get so left so it's not quite sold out they'll be about $3000.00 folks there and we would love to have you if you're in the San Francisco market we still got about a week which probably means you've got like 2 days maybe 3 days for those tickets will be gone by could be declaring a sell out here during this week sometime I'm sure and we don't hype up our sellout numbers some promoters in a war within 10 percent were called Sano when are we if there's a butt in the seat it's in every single seat ticket was it sold out not everybody shows but everybody that paid for a ticket when we've sold out that's when we sell it out until then there's somebody that still needs the help and so we'd like to have it and I'm going to be there speaking and that Chris Hogan will be with me Ramsay personality millionaire expert and will be doing the smart money event and it's kind of like a pep rally laughing a little crying a lot of elbowing your spouse saying See I told you a lot of bring in your friends who thought you were crazy and then they get more hardcore than you are after that's over because people who believe in something that works well we can lean into a don't want and we're going to show you step by step exactly how to do the baby steps and exactly how to win with money and why why it's important and you will leave there and motivated and informed I promise you smart money coming up. This coming week from tomorrow actually for most of you San Francisco October the sack and then Minneapolis is sold out October the 29th San Antonio is November the 15th is not yet sold out and it will be live streamed for everyone and if you want to buy a lottery ticket I think there are only like amount of 10 bucks or something there for 1000 maybe I don't know something like that check it out and Colorado Springs is January and Irvine California is January and most of those are me and Chris or Hogan and Anthony O'Neil or back and forth so we're going to be at all kinds of different places just check they Ramsey dot com for all of that but San Francisco coming up next Tuesday October the 2nd Thames in Idaho Falls high temp Welcome to the Dave Ramsey Show a may get to talk yeah sure what's up. Oh I'm a full time student and I were part time and my are you kind of variable so I was wondering what the best way to try can get my emergency fund when I don't have a regular income Well you make a list of everything that you need to spend money or want to spend money on and that would include building up the emergency on on that list and then you look at that list and you say what's the most important thing if I have a bad month and I can only do one thing what's the most important thing on the list and then once you've gotten that want to accomplish then you say once I got that done what's the next most important thing and then what's the next most important thing and then you rewrite the list in order of most important to least important I'll help you with the 1st few number one is food not eating out and food in the cabinet so that you don't go hungry food. And eating out is entertainment that's not food. And so I love eating out big fan of restaurants fine fine dining is one of my favorite sports but that's entertainment so then then the 2nd one is you or do you live on your own Are you live in Mom and Dad I would know my own Ok then the 2nd one is lights and water utilities and the 3rd one is rent. So food and shelter transportation utilities so we're going put transportation next you got a car payment. And I don't good Ok you can put gas in the car and paid pay for the insurance and that's the next one so once we kind of gotten food shelter clothing transportation and utilities done then we can kind of start to work on other stuff and that's when you start to build up that emergency fund pretty quick but whatever you want or need to spend money on. But let's say that you are got you know you got clothes in your closet but there's a cool jacket you want to buy Well that's a want not a need it's nothing wrong with buying that jacket but it will be below food agreed . Right and it would be below you paying your light bill you would never buy a jacket and get your life cut off given the already have a jacket so that's a want an upgrade in clothing as a want and really getting your emergency fund in place will be ahead of buying the cool jacket you see how this works you kind of just make your list down to the news look at it and say most important to least important is the way the list is really written in and then when money comes in he goes far down the list as you can no more