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Chapter 1: What is discussed at the start of this section?
Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. George Camel, Ramsey Personality, co-host of the Smart Money Happy Hour and host of the George Camel with a K. Big hit show on YouTube is my co-host today. Open phones at 888-825-5225.
Well, if you didn't hear us dancing in the streets and cheering and didn't see all the confetti going off and you missed all of the... celebrations, then we just weren't loud enough when we were cheering for the news that Dr. John Deloney's book, Building a Non-Anxious Life in Week One, is the number one best-selling book in the United States of America. Woo!
yeah that's incredible well deserved congrats dr john deloney well i mean and the team did an incredible job of course and the platform that you've so generously given us on top of the expertise of the team on top of an amazing life-changing book all of that culminates into a number one yeah so it is a great book and the people that get it their lives will be changed and it's so it's that's the part that's gratifying but it also helps to just come out and win the super bowl occasionally
That never hurts. Just mic drop it, right? Maybe just do it. So a full number one bestseller.
Chapter 2: How does Dr. John Deloney's book impact the show?
That's John's second number one bestselling book.
Wow.
And it came out a week ago, Tuesday. And, of course, it takes one week to get the first sales data in. And you guys helped us by pre-purchasing the book, a lot of you. Thank you for that. That helps a lot.
to accomplish that goal, and it's not only an honor, but it's also a big marketing help for the book and for John for it to land on number one, because when people see a number one, they're like, hmm, maybe not.
Must be good.
Shut that out. It is good. It is really legitimately good. So if you know of anyone, which is everyone, that has anxiety in one way or another, this book is for you, Building a Non-Anxious Life, Dr. John Deloney. Number one bestseller in the nation last week. Boom.
That's got to feel good. On top of doctor, now he gets number one again.
Yeah, well, I mean.
We got two PhDs, two number ones. The guy just loves to do everything twice. There you go. There you go.
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Chapter 3: What should you consider before buying a house with your fiancé?
Overachiever, John. That's it, John. That's it. That's you, John. You're the overachiever. Yeah. I didn't even think about that. That's good. I like that. So you can check it out at RamseySolutions.com and get it there or anywhere great books are sold. And Building a Non-Anxious Life, Dr. John Deloney. John will be with us to celebrate, but he's out working selling this book.
He's out in another city doing podcasts and TV appearances and et cetera, et cetera, which is what we do when we're out selling a book. So he's out there hanging out in another state doing that and So we'll celebrate with him proper on the air when he's here next on the air with us.
Chapter 4: Why is it important to not buy a house before marriage?
But in the meantime, the news is brand new, and we want to make sure we told all of you that purchased the book, thank you, because it caused that to happen. Thank you. Thank you for your trust. Thank you for your business. JT starts this hour off in Dallas. Hi, JT. What's up? Hey, how's it going, Dave? What's up, George? Hey. Congrats to Dr. Galoni, too. Thank you. How can we help today?
Yeah, so me and my fiance are preparing to buy a house in Dallas. And basically my question is, I'm kind of worried if I'm overspending on my mortgage. And so the house is worth $350,000, $350,000. I think it's a great deal. Mortgage, interest, PMI, all that good stuff would be $2840.
And our combined income monthly, if we're just, because we both work in sales, if we're just saying our salary, that's $7,400. If we do our salary plus 50% of commission, it's around $12,000 post-tax a month. Okay. Is this on a 15-year fixed? It's not. That's the one. Yeah. I'd put it on 15-year fixed or I wouldn't do it. And I think you can afford to do that and still do it within these numbers.
However, you're speaking as if you're already married and you're not. When do you get married? Our wedding is dated for May. Okay. You do not buy the house prior to May. Okay. Because you're going to own a house with someone you're not married to. And so you don't have a combined income. And, dude, you're talking to somebody who's been doing this 35 years.
I've had the horrible stories of we bought the house together, but we didn't make it to the altar together for whatever reason. Yeah. Talk about an ugly breakup. Or I'll tell you an even horrible one, and this will never happen to you, JT, but just to let you know, I'm not just pulling this out of my hat. I actually talked to one guy.
He owned a house with his fiancée's mother because she was killed in a car wreck before the wedding.
and all of her assets went to her family so now he's partners with his passed away horrible tragedy fiance's mother in a home talk about awkward messy don't do this dude wait on after may you've got plenty of time in your life to buy a house you are not required by a house right now and y'all got house fever you've gone out looking at houses you've already picked this house out you might even have this house under contract do you
I do. It's like he's done this before. I do. I'm sorry, JT. I would not close on this house. I would tell these folks, I'm going to give you my earnest plan. I'm going to walk away. And your fiance is going to look at you like you have one eye in the center of your head. But, you know, I am not predicting a breakup or certainly not predicting her death. I hope none of those things happen.
I don't think they will. But you are in no hurry. The only thing you got in a hurry about is buying a house. You didn't get in a hurry about getting married. Hey, you know what? We could solve this. You could just go ahead and get married. Yeah, I mean, we could get married and go to court. Is there a big wedding planned, like a huge big deal? There is a wedding planned, yeah. Yeah. Okay.
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Chapter 5: How did they pay off $208,000 in debt?
Welcome to Nashville. How much have you paid off?
$208,000.
Good for you. And your range, or how long did that take?
A little over four years.
Good.
And your range of income during that time? We started at about $30,000, had a peak of $140,000, and then we actually are currently sitting at $90,000. Okay. All right. Cool. Good for you. What do you all do for a living? I'm a teacher, and she actually got promoted to CFO, Chief Financial Officer, or Chief of Family Operations.
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Chapter 6: What was the turning point in their financial journey?
Chief of Family Operations.
Oh, okay. All right.
Stay at home, Mom.
That's why we're back down to 90. Okay. I like it. Good for you guys. So the $208,000, what kind of debt was this?
Oh, man. That comprised of just about anything you can think of. Get my little notes here. Got... student loans, car, apartment repair, credit card, and what's the last one?
Oh, or house.
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Chapter 7: How did they celebrate paying off their debt?
Way to go, weirdos. Paid for house.
You're so weird. What's this house worth? We bought it for $175, and it's currently sitting at about $265. And you're paid for? Yes, sir. How old are you two?
I'm 32, and she's 31. Wow. You're a paid-for house. You're so weird. None of your friends have a paid-for house?
No.
Y'all are weird.
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Chapter 8: What future plans do they have after becoming debt-free?
I love you. You're amazing. How does that feel to be that young and not have a house payment or anything?
Amazing. It feels so good.
Yeah.
feels like my grass yeah yeah take the shoes off and walk through the backyard the grass feels different yeah good for you wow that's amazing so four years that's that's a that's a long haul uh was there a moment where you maybe caught a little extra momentum or you kind of went from okay we're just gazelle gazelle gazelle but now we see the finish line i'm curious what that looked like
Well, I think when both of our careers really took off as teachers, that's when we were able to really be like, okay, we have income coming in. We can make this happen.
Military disability.
Yeah. He gets military disability. And so we were able to really have good paycheck coming in every month to be able to pay that off and just stick to it. Yeah.
And we also had a... We got married in October and we signed our mortgage. And then starting in January, I started looking at the, like looking at the bills. I was like, wow, we're in a lot of debt. We got the house, we got cars, we got a credit card hanging out. And I sat down with her and I made a budget out before she was really on board with it.
And I said, Hey, we can get the car paid off in about three months, which is about 10,000 bucks.
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