Andrea
Appearances
Global News Podcast
Six-day state funeral for Jimmy Carter begins in Georgia
I want one day for my kids to come home, and I'm not home because I was deported. So, yeah, it's just because I'm worried and I have a family here. I pay my taxes. I'm a teacher as well.
Global News Podcast
Six-day state funeral for Jimmy Carter begins in Georgia
I am feeling anxious about what is going to happen in the next four years. I'm worried of my safety.
Global News Podcast
Starmer warns US backstop needed for Ukraine peace deal
And yet she was able to break through into Mexico's entertainment business, which was not at the time very generous to either women and even less women who were not Mexican. Sie ist konventionell attraktiv und ihre Musik war sehr neu und sehr anders als damals, obwohl sie Rancheras gesungen hat. Die Themen und die Art, wie sie sich auf der Bühne behandelt hat, war sehr neu für die Zeiten.
Global News Podcast
Starmer warns US backstop needed for Ukraine peace deal
Sie war eine Verbrecherin von verschiedenen Formen von Verbrechen. Sie war sehr, sehr jung verheiratet zu einem Mann, der bereits verheiratet war, der ein Bigamist war. Sie hatte Kinder. Sie verlor Kinder und verabschiedete sich dann. Sie lebt von Unfidelity und anderen machistischen Verbrechen, von nicht nur ihrem Mann, sondern von anderen Männern in ihrer Leben.
Global News Podcast
Starmer warns US backstop needed for Ukraine peace deal
Das informierte die Art und Weise, wie sie über Männer und Beziehungen sang, immer in einer sehr lustigen und satirischen Art und Weise. Sie hat einen安全en Raum für jede Frau, die ihre Lieder hört. die sich nicht nur mit Herzschlag identifizieren können, sondern auch mit der Verletzung.
Global News Podcast
Starmer warns US backstop needed for Ukraine peace deal
Und jedes Mal, wenn eine Paquita-Song in einem öffentlichen Raum spielt, passiert etwas, was die Gemeinschaft und die Katharsis zwischen Frauen ist, wo wir uns sagen, ich weiß, was du durchgegangen bist, Schwester, und lachen wir an den Männern, die uns getötet haben.
Global News Podcast
Starmer warns US backstop needed for Ukraine peace deal
It's a genre of sorts, we call it the música de ardidas, where all heartbroken women can sing from the bottom of their hearts these very intense feelings of pain, but also desires for retribution and mockery.
Global News Podcast
Starmer warns US backstop needed for Ukraine peace deal
It's a very sad loss for Mexico and the world and the world of music in general. She had a very difficult childhood. She had a very difficult life in general. She was born into poverty in an isolated community far from Mexico City.
Nobody Should Believe Me
Introducing: THE DEADLY SEVEN with Ashley Willcott
Hey, it's Andrea, and today I want to introduce you to a brand new show from our friends at Waveland Road called The Deadly Seven. This show is hosted by Ashley Wilcott, a former judge and trial lawyer, and each week she will tackle a new case, bringing in experts to help unpack the why behind both infamous and lesser known crimes. Enjoy!
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
Well, I worked and then also my book of business was growing as time went on.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
Well, my neighbors are selling theirs next door, and it's around the $270. Wow, good for you.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
I do. Yeah. It's a great feeling. You don't realize how much money is going away until you can start keeping all of it.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
Yeah. You were really in good shape. You only had a house payment. True. I mean, I did have debt prior, but I was always trying to get rid of it as much as possible. And then when I started it, I really felt that I purchased it back in 2019, that it wasn't going quick enough. So I came around you in 2022. So I thought, okay, how can I get this going quicker? And I came across you in that summer.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
And then actually shortly after, we were affected by Hurricane Ian. So before I could go after the house payment, I had to do some repairs. And then it wasn't until that new year in 2023, I really started to get aggressive and making these little goals for me because I just wanted to be done with it. And I really wanted to own my own house and be able to do it all. Wow.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
I worked a lot, so I couldn't have to spend it. Right. And then what really helped me is the goal that I wanted, I started to do too strong of goals to see how close I could get to them, but I ended up succeeding on them. So when I was doing the first year, I wanted to get under 100. I did that with just a couple thousand under.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
So then I wanted to really be able to do a bigger goal at 50,000, and I thought that was impossible in a year. So then I surpassed that, but I had these little mini goals throughout the way to make sure I was on track and just be able to have that accountability that I'm doing it correctly because I wasn't great at the budget.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
I just wanted to be able to do each little goal to feel that I'm doing a great job.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
Originally, it was $151 I bought the house for. You're killing me. It was a good time to buy.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
It feels great. It really does. I didn't think I was going to be emotional, but yeah, it's a great feeling where I just don't have to rely on anything where it's all, I have control. In that situation where if something's going wrong, I know I can... I really love when you said, I can't control what's going on in the White House, but I can control what's in my house. And that meant a lot.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
The mini goals, yes. I didn't have an accountability partner with me, but listening to you guys every day was my accountability, where I was making sure that I was staying on track and then just having the mini goals, knowing that you're still going on that trend. Because when you're doing a whole year, a lot can happen in that year.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
So when I was doing monthly or weekly goals, that's really what helped me get that motivation of I'm doing everything correctly.
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
Yep. So then I would just, when I wanted my mortgage to be at 50,000 at the end of the year, I broke it down monthly to every two weeks of where it should be at if I was making extra payments. So I knew by September, it had to be at this amount of money if I was going to be on track. So at the end, I knew in 2024, I was going to
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
pay off the house but then i made another goal to be more aggressive to have it paid off before my birthday so i i was at least keeping track of where i was at in the year but i had another line of where i needed to be if i wanted to supersede it earlier in that year and that was so firmly seared into your brain that you forgot how old you were a minute ago yeah
The Ramsey Show
Don’t Wait for Someone Else To Fix Your Life
Yeah, I don't need to make the sale now.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Yes, I am in a really, like, tricky situation. I am baby step number two with my husband, and I just received a call today in the morning, actually. My brother and my mom asking me to borrow my brother, or lend my brother $3,000. But my mom didn't know about the snowball. For what? Okay. For what? For his business. Because he needs to pay stuff for his business.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Exactly. But this is the catch. I talk to my mom sometimes, you know, telling her, like, we save money for the kids, right? So the kids have money. So her idea was to take the money from the kids' savings account to give my brother the $3,000.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
I mean, my brother helped me when me and my husband were in a really tough situation at the beginning of our marriage. How did he help you? I mean, sometimes like buying more kids stuff if they need it without asking. And he was like, okay, you know, I can do it. That was not $3,000. No, not $3,000. That was $100. Kind of like that. $50 here, $50 there. What's your cultural background?
The Ramsey Show
You Can Move From Family Drama to Financial Peace
What's this accent? Well, I'm from Ecuador.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
No, they live here, but yeah, they're Ecuadorian Salesforce. And they live here right now. Most of my family lives in the United States right now.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
And he is single and he does have a kid back in Ecuador. Okay. He has a business and she did not open. Like, this is how.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
I received a call today in the morning that my brother asked my mom. And then the call came from my mom. Okay. So she was listening. Okay. Because she knew about my kid's savings account. So her idea was that I needed that money.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Well, they actually live together, so they're really close. And I know my brother doesn't know about my savings. It should have been my mom's idea because it's not something that I just speak about.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Yes. And what is that? My brother's dad, he's more like resentful. He's that type of person that if. You tell him something that he doesn't like, and his wife hasn't even approached about his business in the poorly way that you guys said that he is managing it. It's because then he's not going to talk to me. So I'd rather just be on the side.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
The answer is like, yeah, but he can pay you interest.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
No, what is she going to do to you when you say no?
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Yes. She will try to talk to me like a way into it.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Hey, so actually, um, You mentioned in the taxes what precipitated this whole entire question. So I realized through doing my taxes that I had paid about $8.8K in interest this year. And then I got a little bit of a return, but not $8.8K back. And I've always heard a lot of people say like, oh, like your interest is like a tax write-off.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
And I've been thinking about paying my mortgage off quite a bit. So the number is basically I have $165,000 on my principal. I have $185,000 currently in a high-yield savings account. That's not all my savings. I do have about $40,000 in a Roth IRA. Do you have other debt? No, I don't have any car payment.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
It's just me. I'm about $131,000 a year. How old are you? I'm 36.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Well, it's that, but my other concerns are just... The six months that I have, that leaves me with about 20K. I've always had like 30 at my six-month savings.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
In my head, I think I'm just like an over.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Like I want to feel safe that that's there. Like I know at one point I definitely.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Um, my mortgage is 14, a little bit more than 14. And then my HOA is 400. So about 1850, if you want to pay extra on it. I do. I honestly pay like, it just depends on spurts of like, I like to see my numbers even. So if it says it's at like, $16.527, I'm going to pay $527 extra just to keep numbers in.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
I would say, yeah, that's pretty fair.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
So I did maybe not the smartest thing back in December. I did end up two of my 401ks, I did end up cashing those out because I had been thinking about doing this mortgage payoff. But it was only about 67 that was from there.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
I kind of, in my head, I feel like I should have called you guys before I did that.