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Chapter 1: What is the main topic discussed in this episode?
Live from the headquarters of Ramsey Solutions, broadcasting from the pods moving in storage studios, it's the Ramsey Show, where we help people build wealth, do work, that they love and create actual amazing relationships. Open phones this hour.
Ken Coleman, host of The Ken Coleman Show, Ramsey personality, number one bestselling author of the book Paycheck to Purpose, talking about careers, jobs, and how you make money with your life. He is my co-host today. So you got questions about that, jump in. Again, the phone number, 888-825-5225. Speaking of Ramsey personalities, student loans are happening. Student loan problems are happening.
Your student loan, you're going to start paying on it again shortly. I hope you're ready. So Jade Warshaw, Ramsey Personalities, hosting a student loan webinar. Limited space, totally free. So she's going to talk to you about how to get ready for starting back up and all the issues around the whole student loan crisis, debacle, epic failure, whatever adjective you want to use for it.
She'll help you with it. jade warshaw totally free there's just a handful of slots left for this free webinar go to fpu.com slash student loan and it's a free webinar with jade warshaw on student loans fpu.com slash student loan yesenia is next in lubbock texas kicking off this hour hi yesenia how are you i'm good how are you dave better than we deserve. What's up?
So, um, my husband has decided that we should move up to Oregon because he believes the cost of living is lower and we'd be able to get a better start. We currently do not have credit on a home or anything like that. So we've been renting for the past three years and so we're looking to buy a fixer upper home that are in my in-laws would help us get and then, you know, start paying off and such.
And it's about 40, 40 K and then to remodel and such, we'd invest about 60 possibly. And currently we owe about 10 in student loans and we have 3000 in savings that we could use. So considering we'd be moving about 1500 miles away, we may need that to use, to move away or we may, you know, so paying off our student loans right now, I'm not sure if that would be the wisest decision.
And then we also have a, about 30,000 in our car loan. Good Lord. That we just took out.
There's a lot going on in this call. What's your household income?
It's about $40,000 to $60,000 a year, but my husband has potential to make more because he has his CDL for trucking.
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Chapter 2: How can I pay off debt while preparing to move?
I would love for him to be home, but that's not where we're at financially or with, you know, starting out our new lives.
Well, what if it's a season?
For a period of time. If it takes you guys, sell the car, if it takes you guys a year to get your finances straightened up so you can move, then all of you go to work and let's get moving. That's right. Everybody pays a price. Let's get this moving and then head off to Oregon. I'm not mad at Oregon. Okay, you can go.
uh but you know he's got this all dreamed up that he's gonna you know what we have is a mess and then let's go ahead and buy a house that's a mess and add a mess to a mess that's just you're just you're signing up for terror no thank you
The harder he works, Yesenia, the faster you get to Oregon. That would be the vision I would try to cast with him.
Yeah, right after we sold the car. Oh, yeah. Did I mention you need to sell that car? I hope I was clear about that. This is The Ramsey Show. Thank you for joining us, America. Ken Coleman, Ramsey Personality, is my co-host today. We appreciate you being with us. Sam is in St. Paul, Minnesota. Hi, Sam. How are you?
Good, gentlemen. Thank you so much for all you do, and thank you for taking my call. Certainly.
How can we help?
Yeah, so I have a little bit of a generic question here on terms of negotiating salary for a promotion internal to my own company. Basically, they create a new position for me to move up to a managerial role. And instead of talking directly to my boss off the bat, now I'm being asked to talk to an HR representative that's asking what my preferred salary would be.
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Chapter 3: What steps can I take to improve my financial situation?
But, yeah, you just plow your way through the details, which is what you're doing. So very well, very well played. This is The Ramsey Show. Ken Coleman, Ramsey Personality, is my co-host this hour. I'm Dave Ramsey, your host. If you haven't heard, we will be in Chicago doing the SMART Conference, and we is all the Ramsey Personalities.
Me, Rachel, Dr. John Deloney, Jade Warshaw, George Campbell, and Ken Coleman. All day long. We'll be there September 15 and 16. The platinum tickets are all sold out, but there are some general admissions left at $99 if you want to be there in Chicago. Chicago's a cool trip, too. Come on up. Hang out with us, especially if you're in the Chicagoland area.
You can get your tickets at liveeventstab at ramseysolutions.com. We'd love to have you. On the debt-free stage in the lobby of Ramsey Solutions, Ryan and Kate are with us. Hey, guys, how are you?
Hey, Dave. Thanks for having us.
Absolutely. Welcome. Where do you all live?
Denver, Colorado.
Oh, welcome to Nashville. And how much debt have you paid off? We paid off $70,000 in 34 months. Yay. And your range of income during that time?
Range of income was anywhere from $35,000 to $67,000. Very cool. Very cool. And what kind of debt was the $70,000? It was mainly, it was all me. So it was mainly credit card debt and a bunch of student loan debt.
Okay. All right. How much of the 70 was student loans?
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Chapter 4: What are the best strategies to negotiate my salary?
He's in Arizona somewhere. Oh, so they're divorced? Yeah. Okay. For how long? Quite a few years since my wife was a preteen. Okay. And you guys have just gotten married recently. Yeah, within the last year. We're hitting our one year and a month. Congratulations. And thank you for serving your country. And I appreciate the sense of love and the sense of responsibility you have towards her.
You're not in a place you can talk to her about it. She can't discuss this with you. You haven't been here long enough. And it doesn't matter how smart you are or how good your intentions are. To speak into people's money is a very personal thing, and it requires a pretty in-depth relationship. And so I think you don't worry about it right now. Do you have any idea?
Okay, she's disabled, you said, permanently?
She lives on disability right now. She lives with her mom and dad.
Okay, so how much does she make in disability? Do you have any idea? A couple of grand a month, probably, right? I mean, she's getting SSI from the government. Is she getting any other disability? Was there any settlement on the car wreck?
There was a settlement, but she's working with somebody to renew her health insurance right now, and they said that she had to spend half of it because she couldn't have a certain amount for the health insurance, and she only makes about $900 a month.
She had to spend half of the... Okay, she needs different advice on the health insurance.
That's what I tried to tell her, but she said that the lady works with this... Social Security or whatever.
That for sure she needs somebody different. I mean, let's ask the IRS about our taxes. Well, that's a dumb butt idea, you know, and that's what she's doing. She's talking to Social Security about everything. Now, you don't need to get your financial advice from the Social Security office. They're not that bright. So, no, she needs to get outside of this and get some other information.
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