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Has assembled the best sports talk around and 90 m. Enjoy Dan Patrick in the Janet calling capping still wants to play is probably not going to play for the local and national makes it the whole story with the whole show as well it was one of those years no doubt about it and we'll see if this Rammstein can turn the page and finish the day with the herd out to having a really disturbing trend where stars are not hurt and just take. A real talk to the real sports fans. Zach's Ramsey can help. From the headwaters of him he still has to get the dog all the studios it's that Dave Ramsey Show work that is cash is king in it all but it has taken the place of the b.m.w. As the status symbol of. Thanks for joining us Merry Christmas to your man on the phone numbers for polite 825-5225 that's AAA 255225 Elias starts off this hour in the San Antonio Elias thank you Sara thanks for your time and well my question I am a full time grill and. You know consistent commissions are always the key but I've got about 51. 100 in credit card and that's pretty much. My but I'm trying to get that free you know. What do you think is the fastest track the best way to accomplish. Well if it's a ratio of income to debt we call it a shovel the whole ratio how big a hole we're in is your debt you told me that your income is the shovel you've got to get out of the manse right and so obviously if I go ahead. I'm sorry my past year and my best year to date. That 4000000 and I think weighted with after expenses and everything about 60000 and. $33.00 good for you Ok she made $60000.00 and you know did you say 50 young credit student loans student loans $51.00 and I have one credit card with about $4500.00 on it in time and so you've got $55000.00 in that you made 60. I mean so if you paid off $27000.00 a year you'd be done in 2 years if you pay off. $18000.00 a year you've done 3 years right Ok. Roughly I'm just taking 55 and dividing it by years all I'm doing here and show the best way to do that obviously is chop up the credit cards not be going into any more debt get on a written budget make every dollar that you have behaved so that you can throw it at the debt and pay off your smallest debt 1st and then your next smallest I'm sure the student loan is not $1.00 single loan is broken up right. To one of the other ones that's. 2 single letter to the groupings like. It was 2 and then I consolidated into one Ok well then you've got to you know you've got credit cards $4500.00 and then you're just going to be bidding on the student loans for that 2 or 3 year period of time while you knock this out and of course the more you make the faster you're going to get out right. So if you double your income this year you'd be out of that in a year. That is the go there you go I man thanks for calling in Chris is in Los Angeles Hi Chris welcome to Ramsey Show Hi Dave so excited. Ok so I just recently got married and my husband I have. Quite a lot of that one of the largest ones that is concerning me right now is a federal student loans that my husband cosign for when he was 18. And the original balance was a little bit over 100000 now and just. He got a letter from a debt collection agency wanting to settle it for like $25000.00. Now we have $58000.00 and that including this $25000.00 and it's going to take us probably 2 years to pay everything off on an income of $72000.00 take home that work and I'm just worried if it's safe for us to have a joint bank account because there's a possibility that they might garnish or levy our bank account and just swipe the screen in the process if you're if you have an agreed amount and you're paying them the agreed amount why would they garnish your wages Well we haven't been making or he hasn't been making payments but getting ready to cut a deal. Why don't we don't have $25000.00 saved up right now we're just barely on Baby Step number 2 off with the lowest i.q. Lowest and that $25000.00 is the last time how how clean is your credit. It's probably in the $700.00 that he has. To his credit is shot because that is Ok but what if you talk to a credit union about borrowing the $25000.00 and just put that on payments and be done with student loans and then you pay the $25000.00 off in the next 2 years by paying payments would that be Ok. But that fell hard because that he meant I think that the payments would really put us on a super tight budget specially if we're trying to say I'm sorry you got $58000.00 in debt of which $25000.00 is settling 800000 right you're planning to pay that off in 2 years now right $58000.00 total including the $25.00 Yeah and you're planning on paying both of those out you're planning on paying off $58000.00 in 2 years correct yes so why could you not put the $25.00 on a 2 year or 3 year or a 5 year payment plan and pay it off in 2 years Ok because you're going to pay it off anyway. Yeah Ok that doesn't change your budget situation it's just participating what we're doing here is getting them out of your life and getting rid of the threat of a lawsuit and locking in this wonderful 75 plus 1000 dollar discount Yeah that would be very cool so yeah yes you have joint accounts I don't think you're about to be sued I think about to work your way out of this really fast and we think we get notification Oh yeah we're handed Yeah there was a lot in yesterday you know you would Ok And you know and even if you didn't if they hit your account one time then split them but they're not going to hit you you're as long as you're messin with them and you're sending them money big chunks of money like we're talking about you're going to work your way through this and and if you can borrow that 25 unlock this in I surely would as fast as I possibly could so I could question thank you for joining us open phones at triple 88255225 if you've just joined the Dave Ramsey Show for the 1st time Merry Christmas this is a show about common sense how to build wealth and how real people have built wealth not what your broke brother in law's theory is real people real wealth by living on less than they make by being on a budget a written plan that's your map to the land of wealthy you do not visit a land that you're not in the town without a map no one randomly just shows up in Florida you get the map out pop it into your i Phone or whatever you're going to do g.p.s. Whatever it is we're going to wander your way down through there do you land where you want to go it's an act of intentionality. People who build wealth don't have payments and they use the most powerful wealth building tool which is their income . To get out of that. People bill well save for emergencies invest long term or build wealth and change their family tree or for one say the fire people who build wealth are generous. Super generous. This is the diagram she shows. No matter what time of year it is focusing on your family's financial plan is always a smart move I get questions all the time about where to start and what to do 1st one of the most crucial and affordable 1st steps to take is to protect your family and get Term life insurance i know it's not glamorous but all the other steps mean a lot less of something happens to you and your family has no financial protection getting term life insurance needs to be a top priority I recommend 10 to 12 times your income and lock in rates for 15 to 20 years this gives you plenty of time to get out of debt and build wealth and I've been recommending Sandor insurance for over 20 years they understand and live the strategy and they will take the time to help you find the most off forward O'Boyle term live or h. Go to Zander dot com or call 803564282 it's not that expensive it's not complicated and you need to do it right now that's 83564282 Christians have an affordable incredible way to meet their overwhelming health care costs it's Christian health care ministry original health cost sharing ministry a better business bureau accredited organization members share to pay each other's medical bills it's not insurance it's Christians financially and spiritually supporting each other it's what c.h.m. Has done for over 35 years learn more at c.h. Ministries. That's c h Ministries dot org And health care ministries it's a proud sponsor of Dave Ramsey live events it's the season of giving switch your cellular service to peer talk USA save money and get a free copy of my book The Total Money Makeover and a copy of the book every day millionaires plus $25.00 lucky winners will receive signed copies of both books folks all up your talk usas plans include unlimited talk text and data with no contracts trite risk free today just call a pound to 50 and say the key words Dave Ramsey. 3rd to. K f k is so sure oh say Gayle's look at the news in the morning one of the whole show insiders another scooter read the fine podcast for each of them at 13 to j.f.k. I Tunes or Google Play. One to catch the nerd show missed beers 30 year brutal heard something on seniors circle you want to review you can find them all in i Tunes Google boy or a 1310 k. Of dog. Poo talk on can't pay is for the sophisticated beer drinker I was getting ready to play around a golf actually unlike can begin to buzz when true professional as always Doc chef Chad and Tanner's went to drink beer there's a lot more to it but most English beers are a little bit more forward review beer but I still think it's a decent beer I'm going to go with an 8th and discuss new surrounding beer it's a beer show for everyone to talk Wednesday night at 7 all a part of the block party on 1310 k. F. K. America has kept safe because the Army National Guard responds protects and supports our nation when it needs the most from fighting wildfires with air support helping civilians in flooded neighborhoods to delivering food and supplies to those who have lost everything the Army National Guard. Always responds when disaster strikes the Army National Guard also trains to be ever vigilant against threats foreign and domestic They protect our skies with missile defense weaponry they secure our information communications and infrastructure with cybersecurity and they protect us against chemical biological and radiological hazards with the civilian support team the Army National Guard also stands ready to deploy and provide support for conflicts or humanitarian missions abroad join the Army National Guard and be there to respond protect and support your community and your country visit National Guard dot com to learn more about a part time service sponsored by the Colorado Army National Guard aired by the Colorado Broadcasters Association and this station getting you out of the business of paying bills says Dave Ramsey an thirteen's in j.f.k. a. Question that comes from the lines dot com Find out for yourself why blonds dot com is the number one online retailer of custom window coverings free samples free shipping for a company that put window blinds up for the holidays there's some kind of window covering these guys in the past here's the problem code Ramsey when you go because that's where the best deals are my cousin Ohio my 100 percent owned l.l.c. Has a cash flow negative of 250000 dollars this year can I ask my church for a refund of my time. Since there were no 1st fruits this year well you can if you want to call your pastor to laugh out loud that's absurd what in the world I mean that's can't be a serious question really so if you have a cash flow negative your business is losing money you shouldn't there wouldn't be a time. Your tie that if you give a time of a properly calculated tie to your local church that's just this is just people this got it right there nobody does this if you get a properly calculated tithe if you understand what the Deuteronomy says it says you tie the on your increase what is your increase your increases not your gross revenues your increases your net profit if you have no net profit and you have a net loss you would not have a tie the bowl nor a taxable income and so thereby you would not be doing a refund because you would not have paid anything in this is just nuts I open phones at AAA 8 to 552 to 5 Shane is with us in Raleigh I Shane how are you oh. Man Christmas Day Merry Christmas to you how can I help. I have a question tailored towards job direction or possibly had a how to ask my boss for a direction I feel like I've reached the edge of what I can do but I'm kind of trying to look for my next album can I learn in the Marine Corps you know he's always looking for that next thing and trying to emulate that and right now I do a lot of training and teaching for heavy equipment on one of the ticklers cranes is kind of a hot topic now and right now we teach it internally and it's a it's a federal license kind of like a c.d.o. License and a lot of people are looking to have it and I kind of want to take it instead of being an internal thing and take it public where instead of it costing us money to do it would create some type of income off of it. The company itself about 200 people and right now I'm the only one doing the training and out kind of want to advice on how I should approach my boss about it if it's even certain that he would be interested in a memory or not I don't know about that I mean you know the only reason we're doing this is just for people who have no desire to get the teaching business. But you have bandwidth you have extra time that you could teach people from the outsiders a room in the classroom you're already running that you could put them in for Let's Move me out of this training facility I mean it's big enough you could cost 800 people and they're really only thing we use it for is like safety dinners or he has a huge meeting he brings people over there to do it it's a great facility would be something that could you know when you're when you do a training on crane operation internally how many are in the class. About 10. 8 is there was room for another 90 Yeah I was going to do that out of your own in a class that you're already doing. I'm not doing it as frequently as I want to. How often do you do I mean we. Once every 3 months Ok but I mean if you saw what could you charge someone to attend this class. We could charge after 2 or $3000.00 a case. And so if you had 50 people. Extra in the class and you only charge them $1000.00 that be $50000.00 extra income for the company each time you did it if you did that 4 times a year b. 100 b. 200000 dollars extra income and it's almost all profit but yeah it would be he said what he would I guess pay me and yeah a little bit if you want a bonus for there's a great idea but basically you're Yakin in front of 10 or you're yakking in front of 60 or 80 or whatever. You think you can get that many people to come in there. I believe I can get 15 to 20 in there at a time. Now and then if the going rate is $3000.00 and you only charge 2 you will get more right. Than it got like that I guess you might as well let me know the price I ran was only a 1000 just a minute ago. Right and I put but I'm 50 in the room so you know I just sit down talk to him say I'm already doing this I think you can make some extra money and you know I'll run it and help you get the people in here and you can pay me some of the money but we're using your Belding I'm already spending up there teaching it doesn't take any more effort other than to let people know that they can come in here and give you money for this and a little extra paperwork and yeah you got to certify them or whatever for the feds and the whole bit but you're again already doing most of that and you don't create problems for the existing operation which all I'm hearing is is that you're not you're just you've got a big empty room and you're filling it up a little bit more and. And again you're not you're not I wouldn't recommend teaching more until you've filled that room 100 percent if you put 100 in that room every time 4 times a year then we talk about race and number of times you do it but we're not going around teach it more until then but while you're already doing it make some more money and he shares some of that with you in the form of a bonus sure definitely talk to him about that Steve is in Michigan hi Steve welcome to Dave Ramsey Show a day great to talk to you too man what's up well my wife and I went to a financial advisor to buy will get a will and to it's called the state plan navigator Have you ever heard of it nope. It consist of a Last Will and Testament financial power of attorney health care power of attorney attorney assigned to file cloud story and sharing and letters of direction off for the low low price of 650 dollars my question to you is this something that is worth it is something I need. Where you think you need a will. You need to go to mama bear legal forms dot com Get your will going and it doesn't take but about 20 minutes to knock one out of basic will 100 bucks or so and knock it out all the way up to you can spend tens of thousands of dollars on a detail estate plan if you have a lot of. A lot of a big a state that you need to is very complicated that you need to work through so anywhere in there so what is your net worth. I would say probably half a 1000000 and what your household income. I'm retired which is I get that pension and so for about 50000 now my wife works full time she 3839 now to you guys I'm 63 she's looked at the 3. I mean you can probably ge