Jonathan or Charlie (Caller, male)
Appearances
The Ramsey Show
Wealth Magnifies Who You Already Are
And how much debt have you two paid off? $122,186.52. Excellent. How long did that take? 18 months. Good for you. And your range of income during that year and a half? Started around $130,000 up to $215,000. Whoa, nice jump in a year and a half. What do you all do for a living?
The Ramsey Show
Wealth Magnifies Who You Already Are
So credit cards, personal loan, HELOC, IRS debt, family loan. Yeah. Car loan.
The Ramsey Show
Wealth Magnifies Who You Already Are
A class at church. So as he says, anything that the church is doing, I end up wanting to do it. He was a little hesitant, but we decided to jump in and go ahead and do it.
The Ramsey Show
Wealth Magnifies Who You Already Are
Well, it's kind of how we wanted to live life. It was just kind of the fire that we needed to get going, the push that we needed.
The Ramsey Show
Wealth Magnifies Who You Already Are
And I guess I always thought I would never be able to retire. And I don't even think I went to the first class, maybe due to scheduling conflict. But at the second class, went home, calculated some numbers and said, hmm, maybe I can retire. Maybe we can do this. Maybe it'll work.
The Ramsey Show
Wealth Magnifies Who You Already Are
I think for me, so I've actually thought that before. Um, I've worked as product manager and delight driving products to market and I can manage those budgets. But when it came to my own personal finance, it was just like scared deer in the headlights. I don't want to look at it. Be better just not to look at it.
The Ramsey Show
Wealth Magnifies Who You Already Are
Maybe. I mean, I actually grew up in a Dave Ramsey household. My parents both listened to you every day. Okay. But I didn't really want to hear it too much. I got you. That's fair.
The Ramsey Show
Wealth Magnifies Who You Already Are
I mean, nothing too much. It was just all stuff. We still have stuff we're still trying to get rid of. But I think the hardest thing to get rid of was her Sam's Club credit card. And for me, it was my Lowe's credit card.
The Ramsey Show
Wealth Magnifies Who You Already Are
How tough was this? We cut a lot. The kids play a song about how Dave Ramsey stole Christmas. So we've heard that a few times, but... The kids all fully on board. If we ever did go do something like, aren't we supposed to be getting out of debt right now? Whoa.
The Ramsey Show
Wealth Magnifies Who You Already Are
Being on the same team, and even if you make mistakes, not just completely jumping ship, staying consistent, working together, and definitely having that budget.
The Ramsey Show
Wealth Magnifies Who You Already Are
I think where there is no vision, the people perish, and you got a vision. We had a Grafana dashboard that showed, you know, like what we've been doing. I don't even know what that means. The predicted amount of when we get out of debt. And that really, I think, inspired Charlie.
The Ramsey Show
Wealth Magnifies Who You Already Are
Yeah. I was like, just pull up the dashboard. I want to see where we are on the graph now. And just watching the little cursor move down the graph. And now it's moving towards paying off our house and when we become baby step millionaires.
The Ramsey Show
Wealth Magnifies Who You Already Are
We have Bella, 14, Amelia, 14, Natalie, 14. We have Caleb, 11, Tristan, 12, and Georgie, nine months.
The Ramsey Show
Wealth Magnifies Who You Already Are
All right. And we also have one more at home that's working and at public school right now.