The Ramsey Show Live From Chicago

8:22Rachel Cruze:Вер Чистоя, Это 남 я больше, Я не знала меня, м quest可愛快 и неhop p family,

8:35Ken Coleman:First of all, I did not say that she's an idiot.

8:37George Kamel:No, I did. I did.

8:39Ken Coleman:Yeah, and I think, honestly, the idiotic behavior is you.

8:45George Kamel:Helping her?

8:47Ken Coleman:Yeah, and I'm not calling you an idiot. No, that's okay. All right, the crowd's like, ooh. But I'm saying, if I was gonna label some really dumb behavior, it's actually you. She's broken, you're not broken. Gotcha. Другая considered what like to it Bing чato думаете интер birthdays Hold on a few behinder и каждый показатели мы достаточно nailed мы, и мама приходитсяốt и extrem 가� месечь 5 Podcast whatever positive. И не за это время до этого места будет пprowad -у. Но это не правильное, ноrael 7 приfootpielt из вас прямо наrouла. Нет конс У州 нет стойн веры, programs должныject questionsôngтные, амин聽ательного opkea объяснения 4 in 7 раз.

9:45Ken Coleman:Я не сказал таким страной, что -чет ninguém поможет пrire вам в classe damaged другим. Немногоired attempting interesante有人 во время. So you guys are brave. Thanks for standing up and asking this question. Y 'all give them some love. So good.

10:04Rachel Cruze:And let me say this too. The borrowing is different than the giving, right? So both need boundaries around it. But when you are lending money and expecting to be paid back, like that's a no all the way around. Now, if there's a giving element and there's a family member, a friend, whatever, And you as a couple decide that we're in a good place financially. We feel like, yes, we can do this. We want to do this. We feel like they really, truly need help. It's not creating this sense of entitlement. And we choose to give it. That's a whole other prerogative. So there is a difference between the giving and the lending.

10:37Rachel Cruze:So I would cut the lending off hardcore right now today, 100%. And probably the giving. I think there's an element of that that's all true.

10:44George Kamel:Yeah, the question asks, am I enabling misbehavior or am I helping someone who's hurting right now? And there's a big difference. И, силой, распадающийся матери статью. Пaremim, использовалась посман!

10:54Ken Coleman:И я Playing-Lo так делал, butático уже того, когда Ч weightка очень было мינה сцены, онookyкет в следующие 10 теплов? И я так на. О dieses城 — revival нету. ,IGN -� pos hat В их жизни. ВunkWithим

11:15Ken Coleman:social багаж feltBox upset, и мы же учлим reminds examinю. и мы же учлим reminds examinю. Доброе утро!

11:49Ken Coleman:So we are a mini Supreme Court Oh, there we go On this decision And so we're gonna hear this case We will ask questions You all can applaud, moan, groan We'll let you all weigh in your opinions too Weigh in with your reaction And then we shall decide Are you ready, Josh? I can't wait Yeah All right, young couple Tell us your names And where you're from

12:09Rachel Cruze:Hi, I'm Jenny And I'm Jake

12:11Ken Coleman:And we are from Valparaiso, Indiana Okay, Jenny and Jake Give them some love This is brave Thanks, guys

12:46Ken Coleman:Мы не в порядке деле не Keep 7, но я думаю, что Ирина Газела мощная мальция может успеть. В...</ why Are youEveryone ?iving флит собственностью, по -русски-ciотому -к profitю -стоит временно soypen, всё это не значит. Мне грнадто зарг vanish з orch Z掰 -сза байт theirs

13:08Rachel Cruze:гостерры, стоит сел semвиблит, rehearsal, это это scheduledções ,гор哦, так что будет nonsense, коментар

13:13George Kamel:there на после месяца limite

13:16Rachel Cruze:Ну, это было. Вакансий, плотность, Amazon, просто... Cute sweater, а не карто. Да. Ничего, как, не важно, не важно, не важно, не важно. Okay, so, it's like...

13:31Ken Coleman:Do we have a number?

13:31Rachel Cruze:An extra, like, 400 bucks a month or something? Yeah, that's a good number. Okay.

13:35Ken Coleman:Oh, wait a second, you agreed to that too quickly. Is that really what you want, an extra 400 bucks? Like, by the way, she already gets that, I don't know, there's no... Wow, М transpose «и retail»

13:51Rachel Cruze:и уже в один kh Ride

13:51Ken Coleman:Общили такой 160 ст уг Mac Бойcemos Карвани Р сколько Шутка

14:01Rachel Cruze:А чаще А еще

14:07George Kamel:О масс Bur Cola Б Вем Butler В wasn't pressed God bless your ministry How much did you pay a babysitter? Oh, her parents There we go, this guy's not paying for babysitters Knew it Okay, so you have a baby step 6 goal To pay off the house early I already have that set, that'll be done in 5 years Good, and in your mind Is that extra$400 that should go to the house Versus to her lifestyle Why not do it faster Okay, listen, I'm a tightwad at heart How many tightwads are out there? Спасибо за просмотр!

15:14George Kamel:Я думаю, что здесь будет быть сплит. Вы на тракте для этого. Вы на тракте для этого. Давайте выможем ее финансовую. Чтобы она приобрела ее жизнь. Пока она маниакally. Потому что пять лет.

15:24Rachel Cruze:Пять лет. Я имею в виду, что ваша. Пять лет. Пять лет. Пять лет. Пять лет. How old are you guys? 35.

15:32George Kamel:Oh, my goodness.

15:32Rachel Cruze:You have a paid-off house at the age of 40.

15:34Ken Coleman:Incredible.

15:36Rachel Cruze:Debt-free. Debt-free completely.

15:38Ken Coleman:I have a couple questions here. I'm not ready to decide yet You said I'm locking in my vote Bob Jake you said Have you already decided Judge?

15:49Rachel Cruze:Yeah I'm locking in my vote I said Bob I don't know

15:54Ken Coleman:I need more information Jake you said You already give her $400 a month Is that just blow money? Yes or no?

16:06George Kamel:So if she does the budget и темы.ift

16:12Ken Coleman:Me нет but

16:18Ken Coleman:she asked $400 lever for Jenny wants sure I would say it probably averages out to that Jenny on the mic please do you concur with this information that you get round about $400 a month to do whatever Jenny wants with yeah

16:35George Kamel:I mean I make the budget he the budget he ф ung saddle моя

16:45Ken Coleman:а мне

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17:05Ken Coleman:убор нет Да. И слушай, там нет проблем с этим, брат. Я просто говорю, balls and strikes. All right? Jenny, how much more money are you saying you would like to allocate to the Jenny have a fun day because she has four kids fund?

17:20George Kamel:I'm actually happy with the spending. I just want it to be like, not him like

17:24Rachel Cruze:having to side. It's the purchasing. It's the attitude. It's the side eye. Like, amount is fine. It's every time an Amazon package comes. Why are you getting guac with that? Oh, no! Поехали.

17:37Ken Coleman:Дайв له. Дайвが! С definedи! С exemplarably на спас今, Rep quirken а Meowl. Р 100 центов, Вы дойны experi遊戲, alguma не alguien сделаны? П niños вы FCC, аirmна公ания ,DC вы чем -то в 1 -й -д cannabis? С нее же làatroх детей, Solid possível. А второе есть leuk. Пменяйте VIOL lasting. Д Delhirogenнаяaja, В Панкарпинhibлие нюансовегоrobع�ания А за нее слышали лисички, для того, чтобы было suspănое. для того, чтобы было suspănое. Редактор субтитров А.Семкин Корректор А.Семкин Корректор А.Егорова

18:32George Kamel:Every time

18:33Rachel Cruze:It's not even an attempt Are they thrown out in the garage?

18:36George Kamel:No, just right in the walkway The worst possible spot Can I tell you, I think that's the root cause Of the rift in your relationship It's a part time job for me Breaking down Amazon boxes in my house And I'm tired of it If you bought it, you break it down Jenny

18:53Rachel Cruze:I have a question No, I don't agree with that Of course you don't

18:58George Kamel:Субтитры создавал DimaTorzok

19:28Rachel Cruze:Was there like a level of stress with it? Okay. So I think the real issue, honestly, I think understanding what is going on. Like we had a couple, some friends over and he was literally talking about how he got frustrated that she buys the nicer milk. And she's like, I just don't get it. And they're fine financially, all this stuff, but she, do y 'all relate? You get that? Where it's like, why?

19:48Ken Coleman:This guy wants generic milk.

19:50Rachel Cruze:But the reality was, seriously, of what he viewed of money. Like there was a level of, a deeper level of security, fear, Is everything going to be okay? Right? It's kind of these deeper questions that almost get triggered that you may not even realize. And then for you, you feel shame and like you feel bad and guilty with doing the plan, the plan that we've planned out. And you're making me feel this way. And so I don't feel like I have permission to enjoy the income of our household because I'm getting judged with every little purchase. And that's probably hurtful, right? So deep down in it, I think seeing each other two or three layers down of what's really, really, really going on under that.

20:26Rachel Cruze:But I do want you more involved with the budget. Because I do think if you see it's within a controlled element, she's not out of control, right? You guys aren't secretly deeply in debt. And she's not spending thousands and thousands of dollars. So there's a control issue. There's something else going on. And so for you guys in your marriage, I think that, yeah, to kind of figure out, okay, what's really happening? But I've got my vote locked in.

20:49Ken Coleman:Well, let's start with you, madam.

20:51Rachel Cruze:I'm siding with you, lady. What's your name again? Jenny. Oh, it's right there. Sorry, Jenny. That's a lady.

20:58Ken Coleman:You're siding with Jenny.

20:59Rachel Cruze:I'm siding with Jenny. I think that it's totally appropriate. It does not feel out of bounds. It's not a crazy percentage of your income. It's a controlled matter. You're doing the budget. You're tracking in the EveryDollar app. I mean, you know what's going on. You have the freedom to spend.

21:12Ken Coleman:Judge George, I've always wanted to say that. It feels good.

21:14George Kamel:The court has ruled. I'm going to go with Jenny, caveat. Jake must look at the budget and must find a hobby. And force a line item in budget to spend money. Jenny will hold him accountable for spending said money. Is that fair? And in response, Jenny must break down boxes for one month.

21:36George Kamel:That's fair. I'm fair. That's a good ruling. I'm tough, but I'm fair. That's a good ruling.

21:42Ken Coleman:I have to concur with my fellow judges. Jake, to you, number one, you've been a good sport. Number two, you're terrified. No, I'm serious. Субтитры создавал DimaTorzok

22:22Ken Coleman:You're terrified. And the thing that's going to help you is to confess what that fear is, number one. Number two, you need to confess to her that you have not trusted her like you need to trust her. You've stayed out of the budget, so the trust is there to a degree, but the side eye and the bad attitude about the packages and all the things is a manifestation of the fact that you don't like the way that she spends. And so we've got to get on the same page. And as a guy who's 51, three kids that are teenagers, раз here in college in Chicago and it goes like that. I told Rachel today the days are long but the years are short and I'm going to tell you something if you're not careful you're going to be fearful your entire kids lives and they're going to adopt that same view as opposed to you are not promised tomorrow you better have some fun and make some freaking memories with Jenny and those babies.

23:16Ken Coleman:Well that's my ruling Thank you guys. Спасибо.

23:51Ken Coleman:from financial ruin. So if you know a couple that struggle with money, get Rachel's book, Know Yourself, Know Your Money, gift it to them. It really does what we just did there. And I want to say thanks to them. That was fun. All right, let's get to our next question. Who do we got next? This is fun. Let's give them some love when they come up to the mic. There we go. Yeah. Tell us your name and where you're from.

24:14George Kamel:My name is Lynette. I'm from a little town south of here called Odell. My question is about the average person who's trying to make ends meet. My husband and I are starting a financial class at our church next week. I am also the outreach director at our church. So I'm in our community. I'm seeing the needs. I run our church's food pantry and people just aren't making it. So what is your number one bit of advice that I can go back and tell our people for someone who's struggling to make ends meet

24:42Rachel Cruze:and lives paycheck to paycheck?

24:45Ken Coleman:Give us a little bit more of a economic picture in that area. Generally, мы знаем чтое – это заставляет каждый из земли благородныхboutаций, joking, но какие -то дружбы я не смогу бы вывезли брать?

24:58George Kamel:Я не Cycl consistent, как бы я забыла, мège модели происходящих с дещziehen ,ver 처럼 убивают картинг ,而 я не tilankу scholarship Friday, наньями кисл видите만, но есть уровень langsam, Ассет -лимитед, инком-constrained, meaning they have no assets and also the ability to make income is constrained.

25:21Ken Coleman:Is that government housing?

25:22George Kamel:We have some, yes. In addition to that, we're just losing government funding, so we lost our rural transit in our area for low-income people. It's just kind of sad. Yeah, that is hard.

25:36Ken Coleman:That's tough.

25:36Rachel Cruze:Kind of sad for us. Not us, but our community. But your community, that's right. Yes, absolutely. Ну, я как -то партиллелы два конверсации. Я думаю, что есть реальный поверный конверситет, что они в очень, очень, очень difficult ситуация. И тогда вы у вас еще есть другой группы that's just living the middle-class lifestyle в целом и где их expectations are for lifestyle. So, я бы probably tackle those two different things probably differently, probably what I would say. But I would speak probably more to the middle-class situation that what our expectations are in life is so much higher than it was in the 80s, right?

26:14Rachel Cruze:Like you look at square footage of home, you look at material of what our kitchens are made of. I mean, whatever the thing is, what we expect in life today is just so much greater and it's not a reality, right? And so for people just to get what they want with the income that they have. And that's what we tackle, I feel like, a lot on The Ramsey Show. There's a lot of that because it's a lot of credit card debt and car loans, it's all the consumer side. Высих FrancюCar.

27:08Ken Coleman:It's local, but it's macro. And, you know, George can speak to, you know, how they can cut, cut, cut to the bone. But at the end of the day, if they're limited income, their quality of life is not going to be very, very good. So now, you know, I hate to say this, but if you want to help those people, you help them find a path to a better job. And that means a pathway out of that community.

27:32Rachel Cruze:Our largest community is about 30 minutes away, 30 miles away. So that's hard. For many of them, they don't have reliable transportation, which you can imagine with no income. But I agree with you. I mean, yes, we need to find something, somewhere for them to work to get them ahead. But it's hard where we live.

27:51Ken Coleman:Well, and let me encourage you. The messaging for you needs to be, this is going to be a long path. It's a little bit of Dave Ramsey truth. You know what he tells people that call us and they got 500 grand in debt? He just goes, look, the next three, four years, this is not going to be a fun life. And I think that the message there, George, is very similar to say you're going to have to scrap and hustle and save for a very long time, do some things that are very difficult in your life, to then be able to essentially afford a car that could get you 30 minutes away. Or to say, we're going to, I mean, the pioneers did it with nothing, a covered wagon mentality.

28:30George Kamel:Right.

28:31Ken Coleman:Let's say we're going to take everything we own and we're going to make a better life. Now, that is a message of empowerment. And you don't get that in politics because what you get is policy and all the arguing. But in all reality, in your situation, it is an economically depressed area and there is no simple solution. It is gonna be rugged individualism, pull themselves up by their bootstraps with a lot of encouragement from people like you in the community that can say, we're gonna help these people. And if it winnows down our community, so be it. Because by the way, that's gonna happen anyway.

29:02Ken Coleman:And I'd rather it happen on the backs of capitalism and a rugged American individualism than to just watch the thing die slowly and watch them die on government benefits. That's not a good way out. So, you know, they don't have much of a choice. But I want to bring George in because I think he's got great insight here on there is a way to teach and to promote living on very little. Yeah.

29:28Rachel Cruze:Is it your book, George?

29:30George Kamel:No, I'm not going to read my book. I'm happy to gift that to you guys and send you a box to all the folks out there. I think the true answer is, as Dave would say, we don't sell magic wands. You're going to have to choose your heart. Heart is staying where we are. Heart is moving. I mean, I've come from a family of immigrants. My parents emигрated to this country, and that's a really hard thing to do, to leave the culture, to learn a new language, to learn new skills. But that's what it's going to take to get out of their poverty situation. So what you can do is on a case-by-case basis, sit down with everybody and have them make an every dollar budget and go, okay, what is the root of the problem?

30:07George Kamel:Because at least then we have clarity. If it's an income problem, great, we know we need to go make more. If it's a debt problem, we know, hey, we've got to get rid of these payments. We're going to debt snowball this by making more, selling stuff, side hustles, whatever they can do. And the budget will give them at least a financial reality check of them just looking in the mirror instead of looking to all the things they can't control out there, which just creates a new cycle of cynicism and hopelessness. И так, что понимается.альные человека, они такие же, они все -очень. Они."�üz une solution".

30:33George Kamel:И livre -нооб ST every líder того, чтобы понять темуNvin. Для сол даже из духовного сорока работа В beta мне трудно

30:56Ken Coleman:В beta мне трудно I'm going to tell you something. That is really difficult work. It is difficult work to be a light in a community like that where there is no light. You're a great American. Is that your husband with you? What's his name? Colin. I just wanted to shout you guys out. You really represent the best of us и any way we can support you, just let our team know tonight. We want to make sure we get as much resources as we can to you. Let's pump as much sunlight of financial peace as we can.

31:29Ken Coleman:James, our fearless leader, is here tonight. How many of you ever laid eyes on James Childs? Producer James! Give James Child some love! This is our guy. You hear us talk about him and he keeps us, I mean, God bless this guy to keep us all on the rails, including Dave. I mean... It's not easy. И не он? Он не очень. Он не очень. Он не очень. Он не очень.

31:57Ken Coleman:Мы хотели вы meet James. James is phenomenal. James, tell everybody real quick, как долго вы его душе, как вы его душе? 14 лет. 14 лет. Так, так. Я буду дать это, James, потому что мы у нас есть интересный сектор. Джеймс, что мы делаем.

32:13George Kamel:Ну, я просто хочу сказать, что это очень весело, потому что мы, в этом booth, все равно, мы все равно, и это весело. И это весело, жизнью тебе тебе тебе тебе тебе тебе тебе тебе тебе и ты сможешь Glas, но мы слыш hitsный лимф ,äg и думаем, что знакомый, все говорили, что Point, заipsный

32:27Ken Coleman:вопрос rev Skyки, quiz был даже

32:40George Kamel:очень похож на минуту, кручироватьTO يGO留аться на GPU. если по играм напомне Субтитры сделал DimaTorzok

33:15Ken Coleman:Are you the free spirit or the nerd in your marriage? And give an example. All right. That's for all of us. I'm the free spirit. I just really love to buy clothes and stuff. We're responsible about it, you know. Spender free spirit. I'm very spontaneous and I will just forever be a free spirit. You know, I do the budget, but it's exhausting. I sometimes need to go buy something after we do the budget.

33:47Rachel Cruze:Просто просто.

33:48Ken Coleman:Просто просто. Просто просто.

33:52Rachel Cruze:Почувствовать. Да, приятный мир, за sure. Я думаю, что лучший пример из Winston. У нас есть every-dollar budget, и я люблю это. Я люблю это. Я не знаю, я спендер, но я люблю это. Я чувствую, как я чувствую, в порядке. И Winston, я думаю, что может быть, три, четыре, даже даже пять Excel документы на компьютер, мастер -классивные. И он изменяет все, что в Excel, And it changes all... О, я ballots. Я полюс所 Gegen Rabb跡bank.

34:19Ken Coleman:О lives, ты cheating. Ты говоришь меня, красиво.

34:22Rachel Cruze:Я просмотрю пожалуйста. Мне не факт этого.

34:25George Kamel:Я не гран absolutely theis. Я услышам настоящий д 멋 legislation. Яsembля abbra objects дешевых Dig moment. Я сделаю присмотревшись в своих проектах. Spinter из моих сообщений. Я спon peripheral к тем, лайки. Целaskh ты bitte или кр verte? Потому что если сложный человек... It стоит процедать их, они прожилляты примерно каплей. И у меня говорит, что вы hört, потому что я Porscheик, и io futuro вернулся oft HU من seguия му Luk. Вы нахрен��릴 это неiot земли. Яillyо tilted вас надо.

34:53Ken Coleman:Любовь это. Окей, послед how -да вам единая школа? 6 когда -да я получила меня долю Absolutely see the best привет отvisor? Ещё я всё получила, получила. Но я получила хорошую...opt Io с papersピード д Dr. Булулул Wow - boss. It's like my own little hibachi table. You know what I'm talking about? My wife got that for me for Father's Day. And it's just, I love cooking for the family. I love cooking for all of our... We were a house where all of our kids' friends were over all the time. So I got so much joy out of that. And I'm going to say the Blackstone Griddle because you can cook anything on it.

35:29Ken Coleman:Burgers, fried rice, vegetables, you name it. That's good. What do you got?

35:34Rachel Cruze:Winston got me a nice ring when our middle daughter was born. And that was a really special ring. But I'm not a creative person. Like, I don't, I'm not good at creating anything. Not, don't ask me to do anything creative. But I'm thinking of the lake house. And I think one of the most creative gifts I did was to mom and dad, or no, it was to dad for Father's Day about five years ago for the lake house. Maybe it's on my mind. And it's a sign, I got it off Etsy, a sign and there's an arrow. I didn't make it. No, we ordered, I ordered it from Etsy. But it's a sign and one arrow points and it says Papa Dave's dock that way.

36:07Rachel Cruze:The one below is the arrow back to the house. It says Mimi's Kitchen and they have a fence for all the dogs and the other arrow goes the other way to the dog park. It's like a little arrow thing for the lake house. Isn't that creative?

36:18George Kamel:That's really cute. I mean, somebody was creative. You clearly weren't. I came up with what was on the side. I think it was a lovely gift. George, one last quick question. I'll give you a recent one. So I have a one-month-old son now. It's our second. Thank you. Thank you. And I didn't know about this, but there's a new thing called a push present. where the woman demands a gift, understandably, for carrying a human being for nine months and pushing it out, hence the word push present. And so I thought, you know, we have a lot of stuff. I'm done with stuff. Let's do an experience. And so I got my wife tickets to Backstreet Boys at The Sphere in Vegas in January.

36:59George Kamel:And I'm very proud of myself, Ken, because boy, did that hurt. Oh, I was like, does this count as your birthday and Christmas and our anniversary next year? She's like, no, that was one gift.

37:11Rachel Cruze:One gift. Such a great husband, George. You know who needs to have drinks with you?

37:14Ken Coleman:Jake.

37:15George Kamel:Yeah. We already talked. We're going to compare spreadsheets later. Oh, man. I got to tell you. Backstreet Boys, huh? Yeah, it's her one dream.

37:24Rachel Cruze:It is one of the best concerts. Rachel went. It changed her life. Y 'all, with the sphere, I had chills. I was so... I almost cried. I was so emotional. But I think you're only feeling that if you're in the ages of like 32 to 45.

37:38Ken Coleman:Was it a certain song that pulls that string?

37:41Rachel Cruze:No, but what I learned, I won't go on my whole tangent, I learned this. Actually, someone on Instagram sent me this article, and I was like, yes, that's what I'm talking about. Your music between the ages of 10 and 16, when your brain is forming certain parts of your brain, music specifically during that age sits in a part of your brain that is different than any other time in life. So when that gets triggered, it's a level of nostalgia that gives you literal, like something chemically happens in your body. And that was happening to me at the sphere.

38:08Ken Coleman:It's science, Ken. How can you argue with that? This explains a lot. This is why to this day, if I hear Hold On by Wilson Phillips, I really enjoy it. And I feel a little guilty about it. Like I've got to turn my man card in, but now I get it. Yeah, for me, it's Live in La Vida Loca.

38:25George Kamel:So you can have your man card back. Ricky Martin. You've got to look. By the way, I'm not going. She's going with a friend. Good. I don't want to be a part of that. I've got sensory issues. дедушка - conducл и девочек и до CU сто в меня и Taiwan, примерно до места не устали anymore.

38:42Rachel Cruze:Yes, they can! No! No, they can still sing in it. It's very impressive. It's very impressive.

38:47Ken Coleman:It's an animatronic up there, I'm convinced. It's AI. I'm telling you, the amount of Ben Gay in that green room after the show, unbelievable. Their dogs are barking back there. Yes, they are. And I just gotta say this, hot take. Their dogs are barking. You never heard that? No. By the way, inside baseball, Rachel knows very little cultural reference phrases at all. Like, my dogs are barking?

39:11Rachel Cruze:Who's never? Has anyone not heard of that? I'm from Boston. I learned that in the South.

39:14Ken Coleman:Yeah. You're raising your hand, what, that you don't? Of course you do.

39:18Rachel Cruze:Has everyone never heard of that?

39:19Ken Coleman:Because this guy's got some dogs that are barking.

39:20Rachel Cruze:Okay, we got some. All right.

39:22Ken Coleman:I'll keep the dogs in the house, pal. All right. Let's get a show back on the road.

39:26Rachel Cruze:You heard of that one, Rachel? Get the show back on the road? Yeah. Get this train on the tracks?

39:33Ken Coleman:Perfect. Nailed it. Okay. All right. Next up, we're going to go to another question. Laura is joining us. Give Laura some applause as she comes to the mic.

39:46Ken Coleman:Hi, Laura. Tell us where you're from. Logan Square here in Chicago. Great.

39:50George Kamel:Yeah, I am 29, baby step two. Just student loans left. But I'm going, I'm a bridesmaid for my friend's black tie wedding here in Chicago. And so I've already gone to her bachelorette and then went to the bridal shower, didn't give a gift yet. И затем я буду с этой депозанией и спуститься вам легко дующе. Все бы proposed в мажет, не очень похоже мне сказали одежде, которая в поправду. Почему? Я и Junior глаge предпочта, слегка босящиков и отдовые на internationally гноз unbelievable и приветствуем все эти. А其实 будет дороже для этих века можно гору из описания. А в месяц.

40:28Rachel Cruze:Ос suppl diaghデ hasta что нет. point?

40:34George Kamel:Other than when we travel together, right? I think we all split the Airbnb. Sure, okay, yeah, yeah.

40:41Rachel Cruze:But you haven't given a physical gift yet. Nope.

40:44Ken Coleman:I got a quick question for everybody and you, Rachel. Why does the boyfriend... He's just the boyfriend. Why does he have to buy a wedding gift? Am I too cheap on that? George?

40:55Rachel Cruze:Is he friends with the groom?

40:57George Kamel:Yes. So we're going to a wedding the weekend before. That's just for my friend. Угу. Не дайте им появление наого диаботы для этого.

41:05Rachel Cruze:Я нав recogn меня интересного,

41:07Ken Coleman:как я хотел бы узнать ее?

41:08Rachel Cruze:Не знаю. Но мне сильно это делает искать, что ли? Не делая цифра. editorial,

41:18Rachel Cruze:особого костαльника, that you could do that's like, oh yeah, it's not going to be an obvious like KitchenAid mixer that you know what I mean? Like that she's going to know the price of it. Do you think someone wants that for their... I don't know. I don't know. But between your friendship or something, like it's a gift to her. That's fair. And it's something there that's not going to cost a lot.

41:34George Kamel:I thought it was like a faux pas to give something that's not on the registry.

41:37Rachel Cruze:Okay, you're all black-tieing me up. I can't, no, like, no, like, it's like...

41:41George Kamel:Ask her to name 30 things on the registry. She'll lose track after seven. Я гарантируюia тащоold. Просто дав Julien, по -д speechете можно. ТеперьFC Масси - У тебя нет денег на тех ,iksaya лучше всего.真的是

41:51Rachel Cruze:шутка. Разуман на тех, может быть, я хотел бы

41:54George Kamel:нам дcents Brustens ,iken так же頁.

41:55Rachel Cruze:У меня поэтому их братьевую цену activists.

41:57Ken Coleman:Яors Memmiночка. Погореваемый, поetas гл �ん Enstrel Яворъемно? Ну вот как ты.

42:01Rachel Cruze:Ноids у них ответственность могли быть женщиной недель. Его лиinas addicted пока, но кон arranка, вы 시간이 весьма 책амитобанной, а уж имазать трех, всех ваших людей. Я тебе могу freedomsитьẻ.

42:09George Kamel:Вы на практике медос Вы на практике медос ar края для вас? Good to me, stupid. I thought if you were a bridesmaid, you don't get a gift because, like, you're doing a lot already, you're spending a lot of money to be a bridesmaid. Do you agree with this or still get a gift?

42:21Ken Coleman:Okay, I'm hearing from the, especially the older ladies in the room saying I'm going to go, I like your$150. I think$150,$150 each person. Yeah. Okay. Total? My boyfriend thinks. This feels like prices right now.

42:34Rachel Cruze:This is good.

42:35Ken Coleman:Listen, I love this. I told the audits you speak up. I love it. It's my opinion. I'm going$150. $150 ,000 ,000. As you, I'm not speaking on behalf of the boyfriend, but I'm saying to you, I think$150 ,000 ,000, that's nice. That's nice. If it's cash. I don't believe you would not...

42:49Rachel Cruze:Well, I just know the amount of money you've already spent. I mean, the way you're talking about it, it's a very elevated... Everything's been elevated experiences, so I can't imagine what you're spending on dresses. I mean, you're spending a lot. I'm assuming. Maybe not. I've spent over$1 ,000 ,000 already. Okay, that's what I'm saying. Thank you, guys. Go to Etsy.com. по себе молоко

43:07George Kamel:я пошёл о taught Bangalore я вне got а卡 м De Cruz да я внаючий

43:18Rachel Cruze:я по下 Web that's a good

43:23George Kamel:я пос drin

43:26Rachel Cruze:мое строительство от aula я думаю Стрелально

43:32Ken Coleman:оснащий slipped а không и я на добре безъедомicio я не могу icio я не могу Субтитры сделал DimaTorzok

44:06Rachel Cruze:Like, that's my thing, right? I thought I was supposed to be that you're supposed to give money

44:10George Kamel:to replace what they're paying on the plate of food. And so I'm getting two dinners, rehearsal and then regular. And they're nice, like, salmon and steak. How do we know she's even paying for this with her own money? Now we're paying the parents for covering the bill? No, she and her fiancé are paying for it. Wow, that's on them.

44:29George Kamel:Listen, some of my friends are fancier than me. I can't keep up. I cannot keep up with my fancy friends. I guess the easy solution... Субтитры сделал DimaTorzok

45:06George Kamel:и вы должны быть с нами. Это просто keeps going.

45:08Rachel Cruze:Интернадцатая. Да. Вы знаете,

45:09Ken Coleman:the more I hear this, the easiest solve is to get the exact same thing on Etsy that she got for Dave and Sharon. И просто say it's for your grandkids one day. Just say it's for your grandkids. Because this is the gift that keeps on the kids. They have a lake house. They have a lake house.

45:21Rachel Cruze:I'm going to do it. Yeah, yeah, you could. You could.

45:23Ken Coleman:I think that's the play. Thank you. You need a sponsorship with Etsy, by the way.

45:27Rachel Cruze:And I never go on. I'm not creative. Give her some love.

45:30Ken Coleman:Wasn't that good so far?

45:34Rachel Cruze:But can I say?

45:46Rachel Cruze:Продолжение следует...

46:06Ken Coleman:Я не знаю, что это. Опен бар. Они шаги на них. Эрм your money back, girl.

46:08Rachel Cruze:Эрм your money back on that open bar.

46:11Ken Coleman:That's right. Милк that open bar for all it's worth. Amen. No guy wants to go to a black tie anything. All right. There it is. All right. Hey, fun segment coming up. You ready, guys? We're going to call it Two Truths and a Lie. All right. So let me set this up because you all, the audience, get to weigh in here. Okay. So all of us have done the Ramsey Show for a long time before that, the Dave Ramsey Show. So we've been on. And when you do that many hours live, you hear some things, right? People call in and say some things. And so what I'm going to do is I'm going to roll through a list here, and I'm going to read three statements, okay?

46:46Ken Coleman:A, B, and C statements, and you all are going to guess which one is the lie. You got it? And these are actual things that callers have said.

46:56Rachel Cruze:Two out of the three are.

46:57Ken Coleman:That's right. Two out of the three. One is a lie. One is a lie. Два революция мы получили, один из них не получил. Мы получили? Я люблю это. Я люблю это. А. Мой мужик thinks the government isn't real и has stopped paying our debts. Продолжение, продолжение, продолжение. Семь -то, что все вы делаете, что все вы делаете, что вы делаете, что вы делаете.

47:16George Kamel:Да.

47:18Ken Coleman:Вы не получаете extra credit за это. Да. Просто calm your jets. Вы будете выиграть в полном случае в течение всего. Just a second. B, I was scammed out of$100 ,000 being catfished on a dating website. And C, should I install a payphone booth in my house to get free phone service? Which one is the lie? C. All right, let's go A. Who thinks A is? Who thinks it's A?

47:47Rachel Cruze:A is A the lie. Anybody think it's A?

47:49Ken Coleman:Okay, not A.

47:50Rachel Cruze:We got one back there.

47:51Ken Coleman:All right, anybody think it's C? Yes. Alright, the real answer is B. George and I were on together when a lady called in and said, my husband thinks the government isn't real and has stopped paying all of the taxes, debts, everything. It was a... Do you all remember that? It was just... Oh, boy. I never... I have a true confession here on the live show. Hey, keep your men off the internet, ladies. Yeah. All right? I'm just going to say it right now. I mean, that's a call where George and I couldn't say what we really wanted to say. It was just a train wreck.

48:23Rachel Cruze:You're telling me he's going to go to jail?

48:25Ken Coleman:Яintell, что я поднялся. ГОВОРИТ НА У応 Bronerem Если кто не revelation меня там

48:28Rachel Cruze:Ну что, это яardoさい Да, это больно

48:30Ken Coleman:Хорошо, как это ЖД А job ficar п싸� $5 ,000 Д언ка get bail my boyfriend out of jail В Cash Should we prioritize A reverse And C I'm 14 лет And have$21 ,000 In debt What is it? A Is A the lie? How many think it's B? should I prioritize a reverse vasectomy? A few people. And then finally, how many of you think it's C, I'm 14 years old and have$21 ,000 in debt? Okay, the real answer, the lie is A, should I pay$5 ,000? George and I again were on when we took the call about prioritizing a reverse vasectomy. What did we say? I bit my lip. Because I thought it was insane to reverse it in the first place.

49:21Yeah.

49:22Ken Coleman:Муч less pay for it.

49:24Rachel Cruze:Что случилось? Что случилось? Second marriage?

49:27Ken Coleman:Я deemed it was not worthy of a reversal. Okay. Просто Google it, Rachel. Reverse vasectomy on Google. The call will pop up. Yeah. And then this call came in. A 14-year-old really did tell Dave once that he had$21 ,000 in debt. Okay, next. A, my wife maxed out her credit card on McDonald's.

49:50Rachel Cruze:The Diet Cokes are good?

49:51Ken Coleman:Б, мой дом is haunted by ghosts. Should I sell it? С, мой мужик took out a credit card on our 12-year-old. You all think B is the lie? C? I can't hear anybody. Alright, the lie is C, my husband took out a credit card on our 12-year-old. George and I again took this one.

50:18Rachel Cruze:Y 'all have the craziest shows. George and I get the good calls.

50:22Ken Coleman:My wife maxed out her credit card at McDonald's.

50:24George Kamel:I did the math on air and could not crack it. She was spending like 30-something dollars a day at McDonald's. Yeah, a lot of Happy Meals.

50:34Ken Coleman:How do you do that? A lot of toys. That's crazy. Alright, next. A, should I sell my daughter's Taylor Swift tickets to pay off her debt? Easy, easy, easy. You folks out there. They don't miss a beat. B, I bought an expensive monkey and then it started attacking my fiance.

51:03Ken Coleman:And C, I won$1.5 million from a scratch off my mom got me. Am I obligated to give her some of the winnings? What is the lie? A. B. Okay, well, actually B is the truth. Добавил субтитры.

51:48Rachel Cruze:Но я думаю, что надо делать кол Parinомб merci, что у них choir за Marco.

51:53Ken Coleman:А где -то такой hosting ютота есть, что с был Asst !τικ guy encanta случ kimse.

52:01А'veкро

52:02Ken Coleman:Somgania, пищей surrendясь на девирку источником, пищей и аромат.

52:11Ken Coleman:И это вернувшись Т intr realidad ко мне. Мы не могу сказать. Side hustle. Dave took the call for the guy who financed his wife's breast implants. A poor guy. He was a double loser on that. Spent the money and didn't even get to use them.

53:01George Kamel:Dave was beside himself. He couldn't get through the call.

53:06Ken Coleman:I don't know that I would have been sadder for a guy if I'd have taken that call. Terrible.

53:13Ken Coleman:Okay, and then I was on the call with Dave when the guy started the call. Dave, you're stupid and arrogant. And I just was like this.

53:24Ken Coleman:I didn't know what was gonna happen. Oh, man. I think I replied to the guy. I've got a great book for you. It's called How to Win Friends and Influence People. How about that? That's pretty fun. You guys are great. Yeah, y 'all were great. Yeah, you guys really knew it.

53:38Rachel Cruze:You knew it.

53:39George Kamel:Yes, sir. I made my own little bonus question here You are kind of known for the crew Infamous for having quite a bit Of doozies that you don't even realize what you're saying So we have kind of like our own Booth quote book for Ken We call them Kenuendos

53:55Rachel Cruze:They happen all the time Can I say before he reads these

53:59Ken Coleman:I truly don't in the moment know That they come across the way That you're about to hear them

54:05George Kamel:So the best ones I don't feel comfortable Saying in front of an audience В Toutahane, его злоум не подрастает. Давай переклад거나 домашнее цели и сверка о нем здесь. Через конкуренную часть героев Isden на нов puppranе?

54:25George Kamel:Политительной песни для мимо холодной neck.

54:39Ken Coleman:So what's the non-Ken statement?

54:42Rachel Cruze:C.

54:44George Kamel:James, tell them. So the answer is B, but it was a real statement said by Dave. So they were all real, just not by Ken.

54:53Ken Coleman:And Rachel was on with me when I made the hardwood dealer comment. Does anybody in here remember that one? You all remember everything else. You all remember that one? Oh, it's good to know you guys listen when Dave's not on. That's great. Просто quick context. Вы remember this.

55:10Rachel Cruze:Oh, yeah.

55:10Ken Coleman:Young couple called, and they had been saving up to renovate their house and been living in just, you know, a dump of a floor. They'd saved up. They had plenty of money.

55:20Rachel Cruze:She wanted to do it.

55:20Ken Coleman:She wanted to finish their hardwoods on the first floor, and this guy was like my boy Jake over here. And, you know, he was just, he called us, and he's just hemming and hawing, and Ken, should I do it? Rachel, should I do it? And I finally said at the end, You know what? Tell your wife, hang up, tell her, go out for dinner and then take her down to the hardwood dealer and make mama happy. Except Ken, you said it a little more like this. Take mama down to the hardwood dealer and make mama happy. It was more like that. That is true. It was a little bit more juiced up. That is true. And I look over at James and the entire crew.

55:56Ken Coleman:They're dying laughing. And I know that I've said something, but I don't know what I've said. And so we go to the commercial break and these guys are amazing. They pull it up and they show me the clip and I just... It happens twice a week, every week. Twice a week?

56:10George Kamel:It's like ESPN playback, slow motion. This thing just careens off.

56:14Ken Coleman:Yeah, yeah, yeah. Okay, we're gonna now go to another question. Is that right? We got Ricky. Everybody welcome Ricky to the mic.

56:29Hi.

56:30George Kamel:Hello. I live up in Skokie, which is one of the suburbs. и я брал один из ваших любимых фантов с вами, мой донор Рути. Hi, Рути. George, я read your book. You read my book? What? She's going to be a future millionaire. I love it. She will. That's fantastic. So, speaking of books, are there any books that you've read recently that you recommend either lifestyle, relationship, financial, not yours because we've read all of those, particularly for people in Baby Steps 4 through 7?

57:03Ken Coleman:о, это

57:05Rachel Cruze:что мы читаем, что

57:07Ken Coleman:мы читаем, что помогает вы, что

57:10Rachel Cruze:я читаю, что не читаю, но я люблю их. Они были в целом, я думаю, что люди уже читают их, но The Psychology of Money, это great one. И Дай With Zero. Это great one. не agree with everything in it, but he does a really good job presenting the case of using your money while you're alive, whether that is if Instead of leaving a big inheritance, give it to your kids when you're alive and when they need it for like a down payment on a house, all of this. Because this whole thing is, if you die at 85 and all your grown kids are 60, 65, they're fine. They don't really need the money at that point because they've built their life.

57:48Rachel Cruze:So if you can use it throughout your life, which again, we say at Ramsey that you should leave a legacy to your children's children, all the things. So there's a balance in it, but I think he does a really good job of saying, hey, if you have done well financially и вы можете и вы можете spend it on experiences with people you love if you're able to use it to help your family if you're able to be generous instead of leaving it all to charity when you die be giving now more I love that mindset so Die with Zero it's a great one

58:18Ken Coleman:Real quick I would say The Pursuit of Happiness is the name of the book written by Jeffrey Rosen and what he does is he goes back into our founding fathers obviously many of us know the phrase The Pursuit of Happiness from the first line of the Declaration of Independence It's written by Thomas Jefferson. This book goes back and it examines who influenced the founding fathers to the point that they used that phrase, and it goes back into the Stoics. The reason I'm recommending this book for people in 4, 5, and 6 is because you've been gazelle and tense, and so now you're in that stage of living like no one else.

58:49Ken Coleman:This book does a fabulous job of explaining what that phrase means. It's become an American phrase, but the real heart of it is that the pursuit of happiness as the Stoics и тогда наш фоунинг фазы saw that phrase. Это не было не обучения, это было обучение в вашем уровне. И я думаю, что это будет perfect, что люди думают, что сейчас я могу использовать мой деньги в очень разный раз, чтобы жить как ни один из других. И так, что Пурсит от Хаппинес была пурсит от получения более вертуюсь. И thus, вы выживаете. Я думаю, что это будет, что я рекомендую. Это будет.

59:24George Kamel:Бюти, что я буду говорить. Я буду говорить «5 Типс Овел» по Сахил Блум. Да, great book.

59:52George Kamel:Я一直рую

59:58George Kamel:Now that I got the money stuff under control. So that's a great one, regardless of where you're at. Yeah, great question. Thank you, everybody. Give her some love. Thank you. Way to go.

1:00:06Rachel Cruze:Thank you, Ruthie.

1:00:09Ken Coleman:All right. Next is Ashley. Keep the applause going for Ashley. Where is she? Here we go.

1:00:19Ken Coleman:There's a man following you. Be careful. Yeah, that guy looks shady.

1:00:22George Kamel:They told me he could come up.

1:00:24Ken Coleman:Okay, great. Introduce yourself, Ashley and?

1:00:26George Kamel:I'm Ashley.

1:00:27Ken Coleman:Hey, Den Theater, my name's Jim.

1:00:30George Kamel:Hey, Jim.

1:00:31Ken Coleman:Jim.

1:00:31George Kamel:That's Jim.

1:00:32Ken Coleman:Do you do voiceover work? I have done that in the past life, long, long time ago. Okay. Well, you haven't lost it, pal. That's his side gig. Very exciting. Okay. What's your question, Ashley?

1:00:44George Kamel:So we're in Baby Step 4, 5, and 6, and we're just kind of like feeling kind of stagnant. Like, it's kind of boring. I mean, I'm happy that we're here, and we're able to invest the 15%, and we are saving for college. But we're just not finding, every single time we have any extra money, we can't put it towards our mortgage. It's like, we have a plumbing issue, or we need a new car, which was a$5 ,000 car, just so you know. So it's just been really difficult in this kind of phase because we got out of debt really quick and we saved our emergency fund really quick. And now we're just like, okay, let's move it.

1:01:29George Kamel:I really want to pay off the house. I want to walk in the grass. How many kids do you guys have?

1:01:35Rachel Cruze:We have two. How old are they? Yeah, we have a 13-year-old son and we have a 7-year-old daughter. Okay, okay. How long have you guys been in baby steps, four, five, and six? year? About a year and a half yeah, okay Because I do think we have this picture of because the steps are so succinct that everything is just going to go up like this and we're just going to keep going and going and going and it's going to be great but the truth is life happens you're in it a year on average I think our millionaire from our millionaire study nine years I think is the average that they're paying off houses I think it's seven for baby steppers

1:02:11George Kamel:ten for millionaires in general

1:02:13Rachel Cruze:okay, okay, okay So give yourself another six-year runway, meaning within those six years, your income's gonna go up, stages of life with kids is gonna change. Things of life are gonna change. And I really do believe if you are disciplined and your goal is to pay off the house early and you guys are looking and working the plan, it's gonna happen. I really do believe that. I think just give yourself a little bit of grace because life does this, right? Cars break, refrigerators break, things happen. And, you know, you got to buy plane tickets for the family to go somewhere. You know, if there's a funeral, like whatever it is, things are going to be up and down.

1:02:49Rachel Cruze:And so I would just say, give yourself some patience. I think you really are going to get there. I really do. And I know it can feel frustrating right now, but you will get there. You're seeing it in a really short window where I feel like the runway is much longer for you.

1:03:02George Kamel:With the airplane analogy, it really is like when you're getting up to altitude, it's kind of exciting. There's like announcements happening. We're like, whoo, we're taking off. And then you're 40 ,000 feet up and you're like, all right, three hours to go on this flight, I guess I'll watch you. And so it does get kind of boring. What helped us was tracking it, maybe make it visual if you want to do like rings for the mortgage. And right now it's like, woo, 300 went to principal. Towards the end, you're really making progress. So it does get faster and your incomes are going to go up. The kids will be out of the season where they're mega expensive and hopefully off their payroll eventually.

1:03:35George Kamel:So just know that right now it might feel hard. I also would do a budget audit and go Why can't we make progress? Is your emergency fund good? Why can't we cash flow these things in our budget? Do we need sinking funds for maintenance and repairs? So that it doesn't feel like it's derailing this other goal Yeah, actually I just wonder Maybe we're putting away too much in our sinking funds Maybe we have too many sinking funds That could be So I think that's something we should probably re-evaluate

1:03:59Ken Coleman:But we need them all the time

1:04:02Rachel Cruze:Because stuff comes up Right, right, that's what you're saying

1:04:05Ken Coleman:Just yesterday

1:04:06Rachel Cruze:What happened yesterday? We did need it yesterday.

1:04:09Ken Coleman:Tree roots blocking our sewage system. I'm sure the Den Theater wants all the details. Yikes! Well, I imagine that, Jim, when you saw that, you went, Oh my, this is unfortunate. That's a great Jim impression. This must end, stat. Yeah, Jim likes the microphone more than I do, and that's saying something. I love it. That's saying something. I have a quick question, because you said boredom. Я думаю, когда вы Это тоже неีщет ничего. Полностью, Loud camerама.

1:04:39George Kamel:Мы уйдем кстати,

1:04:53George Kamel:У не differently. Да, жар coming up. Can we put that toward it? And as your income goes up, the amount will go up, the principal will start to sink down, and you'll feel like you're making progress. How much is left on the mortgage? $155. Okay. When you go below that six-figure mark, you're going to get a new pep in your step. A second wind, if you will, in that marathon. So just keep at it. You're doing all the right things.

1:05:44Rachel Cruze:Yeah, you guys are doing great. Congratulations for being on the step. Yeah, thank you guys. Give me some love. Thank you.

1:05:52Ken Coleman:Alright, we're going to go to another question. We've got Amanda's coming up similar the ladies show up tonight yeah yeah the guys no bravery pure cowardice now go come on

1:06:06George Kamel:hello hi where are you from I just recently moved to Milwaukie so an hour and a half up north nice um so my question is I was incredibly blessed with a twenty-two year career in the United States Air Force I recently retired thank you sounds

1:06:22Ken Coleman:Спасибо.

1:06:23George Kamel:Спасибо. Ты –

1:06:23Ken Coleman:Вы – Вы – Вы – Вы –

1:06:24George Kamel:И, like – Like, a lot of veterans, my identity was completely wrapped up in the uniform. So, my question is, how do I find meaningful work on my terms while I differentiate myself from my military career?

1:06:41Ken Coleman:Yeah. I love this question. I'm going to go back to the whiteboard example that I used a minute ago. and so we would look at your entire career in the Air Force and we would look at all the skills that you've acquired. And I think this is an exercise I'm going to challenge you to do tomorrow.

1:06:58George Kamel:Absolutely.

1:06:58Ken Coleman:Okay, and so one side of the paper, I want you to write down talent and I want you to write down all the skills that you've acquired. And, you know, like let it flow. Like I was really good at this, I learned this, all that stuff and it just creates the proper narrative. Then the second thing you're going to write down is all of the experience и описать, да? Я имел эти talents и skills, но мой опыт был в crisis management или в logistics и просто write it out. И так, то есть, вы можете look at both of those sides of the paper и go, oh, this is who I am, regardless of whether I was in the Air Force or not.

1:07:38Ken Coleman:So, that's the first thing. Second thing is to realize that a lot of employers really respect people that come out of the military. It's the greatest organization in the world.

1:07:49George Kamel:Amen.

1:07:50Ken Coleman:Come on. And so, yeah. So that's the narrative. Hey, I'm trained. And this is what I acquired. And this is what I did. And then take that and now go out there and look online and just see what's out there. You don't have to apply, but just see what's out there in the world. Because ChatGPT, by the way, is amazing. I would literally take those things I had you write down and I would put it in chat GBT and say hey describe for me potential paths outside of the military with this skill set and this experience below your freaking mind.

1:08:29George Kamel:I'm also

1:08:30Ken Coleman:going to give you my get clear career assessment and so Grayson right here the handsome guy in the red hair see him afterwards he'll get your email I want you to take the assessment and I'm not going to describe it for lack of tiempo. But it'll really create, I think, an ideal job description for you, and it'll actually give you some AI suggestions. But that's the exercise, because right now it's really hard for our men and women from the military. That's all they've ever known. So it feels so scary. Am I nailing it?

1:09:01George Kamel:Transition has been difficult, for sure.

1:09:03Ken Coleman:Of course. But a lot of it is you're just terrified because of the unknown. You've only known one world. And so here's what we know. Если вы через него началиuters со bore путешествовать, и мы позже раноenden пяне. С 바�FOу – нюня, safes из bás stem między мозги возника assigned реакцию.ahifishaid

1:09:21George Kamel:– бэрверсорение

1:09:23Ken Coleman:дуан xứ дому, который grupp exhibitionist с рабочим зрением, ما нашли.

1:09:37Ken Coleman:ما нашли. the unknown is one of the most paralyzing fears that we as humans face. So the exercise I've given you is going to help you see what is out there. Now, once you see what is out there and you match it all up with the exercise I gave you plus the assessment, now it's all about, I'm going to tell everybody I know what I'm actually looking for. And I think you're going to find there are a lot of great Americans who want to help a great American. And I really believe it's that simple. Seeing leads to believing And believing will lead to you Getting the thing that you want to get And you're going to do great out there I absolutely believe that

1:10:07George Kamel:Thank you Yeah, thank you

1:10:17Ken Coleman:Okay Oh, this is very exciting Do you know what my This is very exciting You know, we've never done Like a really cool group Debt-free screen

1:10:31Rachel Cruze:fruitst Natalie

1:10:36Rachel Cruze:алеetto

1:10:37Ken Coleman:что вот так это то из пок collect стать

1:10:50Ken Coleman:в последние 12 12 months. Stand up if that's you. Stand up, tall. Don't sit down.

1:10:58Rachel Cruze:Oh, yeah. Okay.

1:11:02Ken Coleman:Yeah. All right. Okay. That's a good amount. That's great. So, George, you got your writing utensil? Yeah, I'm going to use... Oh, you're going to use your phone. Now, here's what we're going to do. Stay standing. Stay standing. And if I miss you, because I can't completely see around me, I'm going to start to my right because I see some folks right here. Мы будем добавлять как много денег. Мы будем добавлять как много денег. В последние 12 месяцев. И George's got his handy-dandy calculator. So, yell it out loud and proud. Right here, this couple. How much? Round up. $280 ,000. $280 ,000. All right.

1:11:39Ken Coleman:Okay, next. $3500. Hold your applause. Hold your applause. $3500. Okay, next. $40 ,000. $40 ,000. 75 ,000 75 ,000 You guys are going to have to help me If there's anybody else Go around the room like the wave What's next?

1:11:57Rachel Cruze:George, you got these numbers? Here in the front

1:11:59Ken Coleman:Right here 48 ,000 48 ,000 Ma 'am, right back here I'm pointing at you 5 ,000 Okay, up in the top 46 ,000 This couple right back here Oh, 126 And then 48 ,000 George, you keeping up? Okay, you sir in the hat 4 ,000 This couple right here 175 By the way, sit down once you give me your number One time to have it 15 ,000 Back here 42

1:12:35Ken Coleman:265 ,000 This is for fun

1:12:38Rachel Cruze:The total for just the year Has been in this room

1:12:42Ken Coleman:Oh, I like this Drum roll Like a Joe Joe drum roll

1:12:48George Kamel:In this room in the last 12 months $1 ,172 ,000

1:12:58George Kamel:That's wild I love it

1:13:02Ken Coleman:How about that?

1:13:02Rachel Cruze:Oh my gosh Okay, so for the debt-free scream I think everyone in the room who is debt-free stands up

1:13:08Ken Coleman:Is that what we're going to do? We're going to do a So everybody who's debt-free stand up

1:13:13Rachel Cruze:And that can be consumer debt too Itu tetовико,

1:13:22Ken Coleman:плодом的人ит América. It тоже очень пятна,, nonprofits. Это зависимоотно, как строит растения Сitude. Но, вот степенно 사람들, issues anxiety, меняется на мне паниverts.

1:13:33Rachel Cruze:Вы нажимаете на меню, Okay, alright. Live from the den in Chicago, making anywhere from zero to$250 ,000, we have an entire group of people that have paid off almost$1.2 million in this room. So you guys, count it down for your big debt-free scream. Three, two, one. We're debt-free! Yeah!

1:14:14Спасибо.

1:14:20George Kamel:Спасибо. Спасибо.

1:14:23Ken Coleman:Спасибо. Спасибо. Вы guys, so fantastic. Мы applaud you.

1:14:26Rachel Cruze:Incredible. Инкредитивный.

1:14:28Ken Coleman:И мы не просто applaud you, потому что вы знаете, что мы делаем, George? Что мы делаем на депутат -фри. Мы делаем эту депутат -фри. Мы делаем эту депутат -фри.

1:14:33Rachel Cruze:На депутат -фри. Если кто -то делает депутат -фри. Снимаем, live, а там, это будет овладеть. Когда мы снимем, после того, как мы снимем, мы идем в лобби, и мы yell, Мы чаем!

1:15:13George Kamel:Субтитры сделал DimaTorzok

1:15:44George Kamel:Какие -то? Какие -то? И я еще раз, это не ваша баба, это не ваша баба. Если вы не знаете, мы просто сделали новую версию Эври Доллар. И это более чем только обучение, и Рachel и я, с Джей, в этом премьере, объясняю это все. Добавляем их, что теперь включено.

1:16:02Rachel Cruze:Да, Эври Доллар, не только обучение, обучение обучения, это обучение, обучение, обучение, обучение, это обучение, это группа, это ваша бюджет, Это все, что вы должны делать с вашей деньги. Это очень большая версия. Это все -таки новое, EveryDollar. Мы так рады, что вы все -таки выиграли. И вы, мы так рады, что вы все -таки об этом. Вы все -таки, вы все -таки, вы все -таки.

1:16:25George Kamel:Спасибо, вы все -таки, вы все -таки.

1:16:27Ken Coleman:В Chicago, мы хотим сказать, на behalf of everybody back in Nashville, Tennessee, from Ramsey Solutions, for our entire crew, the cameramen, everybody that worked so hard to bring financial peace to people, our entire team we're so proud to be associated with you you are the ones that did the work you guys are making a difference you've got financial peace and you have changed your family tree so we still believe in you we're never going to stop believing in you so proud to serve you tonight and just on behalf of Rachel and George entire team thank you all for being here good night

1:17:04George Kamel:thank you guys

1:17:11Спасибо.