Next year to year and a half so it won't all be connected not all of it now 80 miles in one year is is a long. Day of Yale c.b.s. News dot of Texas on Wall Street the Dow gaining 147 points 227006 49 Nasdaq up 4060 s. And p. Added 1000 points now this. Year is near fatal Thanksgiving her family we see how they escaped down the end of this is us stars divorce battle gets a messy next. What do trees make you think of life longevity health there's a reason for that there are lots of our ecosystems capable of restoring Land and Environment while creating stable food systems and economic opportunity trees for the future for 30 years we've worked with smallholder farmers in developing countries to establish sustainable agro forestry methods where there was once deforestation and poor agricultural practices there are now thriving micro environments we call forest gardens made up of more than 50 species of trees and dozens of shrubs fruits and vegetables a few trees for the future is Forest garden approach to thousands of farming families have successfully brought their land back to life a sustainable solution to hunger poverty and climate change sponsored by trees for the future if you're invited to join the movement at Trieste dot org slash radio you're in charge of hiring and indeed has solutions like online skills tests which lead a candidate show that they're the right hire and we give you this magic music which will inspire the perfect hire to begin clog dancing. There is no magic music but skills tests that's a for sure seem way independent research by Silk Road Shows indeed delivers 3 times more hires than any other job site post your next job. And try skills test for free terms and conditions apply when you're diagnosed with maddest Matic breast cancer a lot of questions run through your mind what am I going to do what are my options what did I do wrong we've had those thoughts to let some questions can help you move forward this is. Common for an interactive guide to help you learn the next steps to take after an n.b.c. Diagnosis and how to ask the questions that lead to an open and informed conversation with your doctor start finding your voice today at find your n.b.c. Voice dot com. What do trees make you think of life. There's a reason for that there are lots of ecosystems capable of. Creating stable food systems and economic opportunity. For their future 30 years. Where there. Are. 50 species of trees and. Few trees for the future. 1000. And climate change. Trees for the future. Hey Greg I'm so sorry to hear about your brother's heart attack thanks he's Ok now but it really got me thinking about my family you know could my wife still pare mortgage if I had a heart problem or could my kids to go to college but that is really scary you should call my life insurance agent health i.q. When I got life insurance for my family last year they saved me 41 percent versus any other company I looked at 41 percent that's huge Yeah health i.q. Starts by shopping everyone with the top 30 life insurance carriers to make sure they can get the lowest retail rate then they apply their exclusive healthy lifestyle savings which can save you up to 41 percent I literally got a $1000000.00 in coverage from my family for just $36.00 a month just $36.00 a month yeah you should check it out and health thank you dot com slash easy to save that much money I'm going to call them right now what's that link again health i.q. Dot com slash easy yes dot com slash easy today is Leslie Barry day and d.l. Give Lassie a call or text and list our a happy day wasn't any you know by doing wrong just a tough financial period in our family's history when I was a little kid and I was always a math nerd and always a little business nerd always trying to figure out a way to make money just somehow was I'm wired that way I've always been able to make money. Always make more than my peers my whole life I mean 12 years old I'm cutting 27 yards and keep it a p. And l. You know I mean that's an arguer out there you know no doubt about it but I had a goal of get out the service merchandise for the Sears catalog and you know cut out a picture something I was saving for so give me something other a reason to talk to drive towards a goal and I remember when we went through that rough patch on Sunday I want to be a millionaire because I thought of your millionaire you were not rough patch not financially anyway. And I remember thinking that 101281012 years old 131415 years old I graduate from college when I was 22 and you're too late or start buying and selling real estate I became a millionaire by the time I was 26 ended up losing it all most of you know that story because I was stupid and went deeply in debt and I had to start I was bankrupt at 28 I'm 59 now so that was 31 years ago that when you went bankrupt I had to start over but I do remember distinctly the goal shifted because when I not only want to have bankrupt but then when I started building wealth again I thought well you know I would been a millionaire once and not to do it I knew I could do it you know what you're in a bike you know what it does and so. As I was approaching my 2nd 1000000. My 2nd time around. I remember distinctly thinking this is kind of boring this is attainable I think I want to give away a 1000000 dollars I want to get enough money that I can give away 1000000 dollars And then I did that several times over and not bragging it's just the stuff we teach here works is the point of the story if you live like no one else later you can live and give like no one else and then they go kind of shift and I said you know some day I hope someday I would really like to get financially in a position that I give away a $1000000.00 and $1.00 day fun with that pay that's a cool goal. And today our team $900.00 and some odd of us for their Christmas present all got a $1000.00 each. And we put them on 17 buses and we drove them to the local mall the mall opened up early for us because when you bring a $1000000.00 to the mall they will open it for you. To think and they will they will get good deals in there too for your team they'll do all kinds of stuff for you they were very nice to us they're very nice and we surprised our team this morning in a team meeting and told them that was going on and that we hit had our company goal of serving 3000000 people this year and. Their Christmas present this year is going to be a $1000.00 spending on the love for each one of them at the local mall and then we had you know we've got a local I have assurance home in the area here that works with the at risk kids orphans and kids and. You know in need of adoption kids in the foster care system they work in that and they've got on staff social workers of the house or parents that do everything and so we were able to give those guys some money and give them some money to spend on the kids each of those house parents as a $6.00 or 8 kids and we were give them some money to do that and we were able to bless a family that has the came down and jazzed our guys up today did their debt free scream on the stage in front of our whole team and gave them some money and we put all of these people on the bus and we went to. The local mall and it all totaled and we had other giveaways of the mall drawings and other stuff and the whole package was well over a $1000000.00 And so I got to have the experience this morning I actually went wow that just happened I just gave away a $1000000.00 in one day this is not below your freakin mind that God would allow you to do that blows my mind I mean I'm a kid from a Tennessee I don't. Know how that happens I do not happens but I it's God's blessings and a lot of hard work and those 2 things together and started together. And this whole idea that. Giving is absolutely one of the most fun things you'll ever do with money outrageous generosity and we're always trying to get you guys to say outrageous generosity is your call because it it truly is the most fun you'll ever have with money it's the best thing to do with the blessings that God gives you is to know that you are blessed for one reason that you might be a blessing you're a conduit you are not a cistern that stores and you do store you do invest you do save you do hold money to be able to do things like this because the income off of the investments will allow you to do things like this and allow you we don't lot of giving in and always done a lot of giving their family foundation and that's got a lot of zeros on it but I never in one day gave away $1000000.00 before and it was a it was a surreal experience you guys it really was a trip I don't some of you guys are big time people and you know you made a lot more money than that and you're like Oh Dave you know you're just thumping your own chest I'm really not it was just it was a I'm 60 years old all in all it's almost And so it's been a long time coming for one thing but. To get to say these kids that are foster kids and orphans and the parents that are taking care of them and they're at risk kids coming out of some of these homes that are really messed up and they need a place to rest for a while and to some of the toxicity blows out their home they can get set up get back home you know for to be able to pour money substantial money into those situations for those kids and for those people who are serving those kids and in our team who serves you guys all year long and does it with excellence and does it with zest and exuberance and. Just a cool thing that God allowed the day. And the only reason to share it is not to brag on us or something like that for sure and not even to brag on God The reason to share it is just to encourage you to say you know maybe on a write down a goal like that I mean that would be like when your bucket list things because you never know I mean if you grind and you hustle and you work and you grind and you hustle and you work and you keep your hand held open instead of a tight clenched fist. Maybe someday you'll give away 10000000 dollars in one day I don't know I might I might have been in a goal now now that I did this one. I'd be pretty cool. It was fun today I'll tell you that there was a fun day with a really really fun day. Not just one Courage be outrageously generous it's the reason for the season this is the Dave Ramsey. How often can you get the best of both worlds not very often right well with the right secured program at Churchill mortgage it's possible you can secure a low right now to nail down your budget and if rates drop while you're shopping for a home they'll give you the lower rate that's right they take on the risk of fluctuating interest rates not you who does that well you should fall in love with the numbers before you fall in love with the house this program lets you do just that so if you're buying a home this year you'd be crazy not to call Churchill and get your rate secured now call Churchill mortgage today and have the best of both worlds go to church your mortgage dot com or call AAA loan 200 that's Churchill mortgage dot com This is a paid advertisement in m.l.s. 91591 in about us consumer access dot org equal housing lender 761 Old Hickory both are great with Tennessee 370272 my favorite things are pizza and my bed thanks to my tough to needle mattress but a new favorite thing has entered my life that's right I absolutely love my tuft and needle pillows they sing I just ordered 2 with their phone pillows and I didn't think it was possible but my sleep even better to listen if you're one of the smart ones who's already taken my advice and got your mattress go back to t.n. Dot com and check out their pillows seats and Uvas you'll fall even more in love with tucked in needle that c.n.n. Dot com Christmas is my favorite time of the year just ask my family. My team here at Ramsey solutions being able to give and bless people while it brings me joy or the greatest gift you can give your family this year is the gift of peace and security you can do that by making sure your affairs are in order and known if you haven't got your will yet go to mama bear legal forms dot com Use the promo code Ramsi to save 20 percent off that's promo code Ramsey mama bear legal forms dot com vehicle accidents are stressful enough you don't need someone showing up at the scene trying to pressure you into letting them tollway your vehicle call your roadside assistance provider or insurance company for telling companies suggestions or consult with colleagues on the scene and always have the price and terms in writing before you let them look it up if you suspect fraud call us at 1800 and I c b or visit w w w dot n i c v dot org a public service message from the National Insurance Crime Bureau 11 50 am 1017 f.m. w d L wishes you and your family the warmest of holidays we know that there are many in our area in dire need as we head to the cold this time of year especially children that's why we join with bold and brothers for Christmas for kids right in the season by making a new toy or team gift donation it's brother to you brother might help make this a merry Christmas for all donate to Golden brothers Christmas For Kids We Care you share a smile find out how you can help add w d e l dot com Does driving your old car make you feel pile then buffed out of that old bird are you dumped in Ohio monthly payment then trade in that old turkey during turkey day at the all new Apple Apple lot of need to be she didn't get out of that old turkey you're driving today even if you still owe fountains more than it's worth thousands people dead $29.00 corrected prove it done all you need is a job and 29 dollars 29 bucks at the own new Apple Apple only if he she cares about only the best pre-owned takers a brand you miss it. He sees thousands often as Arqiva lets you get a lifetime warranty lifetime charge engine transmission even oil changes for life no charge get out of your old turkey today even if you still owe thousands more than it's worth $529.00 for read it through with them and all you need is a job and $29.00 we all know Apple Apple I don't need to be easy big help in apple much of ha dot com for me to be easy dot com like more homeless on the streets people hurting and dying from drugs every day it's Sunday breakfast mission we see hundreds more come for a meal or food boxes to fill empty shelves at home what can someone do Hi I'm Reverend Tom Lehman president and senior pastor of Sunday breakfast mission and I want you to know that there is hope for the hungry homeless and hurting right here at Sunday breakfast mission because you give thousands will be fed this fall and hundreds will find new life because you give are residential programs for men and women and women with children will go beyond food and shelter to meeting the needs of the whole person physically spiritually and training for life look for the grocery bag that came in your newspaper or at your local list of a spank and go fill it go online to give it Sunday breakfast mission dot org That's Sunday breakfast mission dot org And may God richly bless you your source for winter weather information 11 50 am 1017 f.m. w d w d L dot com. $421194.00 all right I love it and how long did this take. You know 9 months wow and your range of income during that time. Started at about 100 and ended well currently at 140. What I'll do for a living I'm a computer programmer and I'm no home Mom Oh Ok so what was the 422000 and bad. A lot of everything we had a 41 k. Loan a car loan credit card student loan and 3 mortgages you paid off your house yes we did talk about where people. Love or why you got out so how much of the $422.00 was a house mortgage mortgages Well the our house that we're currently in was $135.00 is what it started out and then we had to rental properties. That range they were one of them was 200 and the other one was about 90 and when we sold those we basically made that back Ok I show you that helped get rid of some of the death of them some of it but not all of it that's for sure yeah and then you from there plowed through this and basically you've been on a 5 year journey Oh yeah yeah so tell me a story what started this. Well you know back a little over 5 years ago we had to rental properties with the mortgages and one of our tenant decided to move out on a so we were stuck with an extra house payment that we couldn't afford to make and so we decided to sell that house. And we we were never really on the same page financially anyway. Elaine always took care of the bills and I always spent the money I don't know if you know anybody else like that but that's pretty much how it was here. So that was kind of a point of contention so we realized when we had that extra house payment we needed something to change that that wasn't going to work the way it was and we had no listen to you on the radio but never really talked about it so when Brandon finally mentioned hey we have heard that they've rammed the guy jumped on board or had a way and so we went out and bought the book the total money make over and both of us read it within a couple days and we got gazelle intense and started hand everything off and building up our savings Wow very cool so how long did it take you to get out of consumer debt before you started on the mortgage. Well when we sold the 1st rental that kind of took care of most of that and then we were stuck with the other rental that we were way underwater and so that's where we really found that most of our focus she had to get upside down and then you sold it is why are you to get it right side up in the years old as well yet we were upside down in that thing 70 or 80 $1000.00 Whew Ok all right now your current residence is paid off as well right yes or what is it worth about $350.00 Why how old are you 2 I am $46.00 and I'm 39 and you're paid for house yet you're right in 5 years ago you were upside down rentals and deeply in debt and borrow. Money were I mean you can legally turn this around I'm so proud of you all thank you very well Don thank you so who are your biggest cheerleaders outside the 2 of you. Well my my folks kind of made fun of us. First until they realized hey these guys actually know what they're doing and so they actually got on the plane and they're debt free now and so is my sister wow yeah so kind of a whole family thing we all work together Ok so you turn the doubters into followers you know I like it that's cool and so what other cheerleaders did you have well my parents Of course I mean they've been that free for a while and so and they've always taught me to stay out of that and so they were cheering us on as well and you know our friends from church somewhat and you know we have lots of people in our corner very cool Good God how does it feel to have no payments not even ah house payment. I will tell you that the the the stress and the you know the the feeling of weight on your back for you know I'm the breadwinner in the family and the weight of having that debt it was crushing it was it hurt I mean like physically my my help well and good and it was just not a good situation I'm telling you what the the joy you feel from not having that weight on your shoulders is it's so hard to describe Wow it really is special and som am I'm watching the You Tube channel is a feed in front of me and it looks like they're putting up pictures of your family so you guys really did take your shoes off and walk into the backyard when you paid off the mortgage yes you know the old family want to feel their bare feet in the grass you. Know that is so awesome I love it that's a great picture that's on your frame beside the paid off mortgage and put it in the hallway. Yeah very cool even the dogs out there that's awesome yeah yeah. It's very cool guys very cool so when someone says Wow you paid off your house that's impressive how did you do that what do