The Ramsey Show - App - Don't Cripple Your Kids With Student Loan Debt! (Hour 3)

Episode Date: August 12, 2019

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🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Thank you for joining us. Open phones at 888-825-5225. 888-825-5225. Neely starts this hour in Texas. Hi, Neely. Welcome to the Dave Ramsey Show.

Hi, Mr. Ramsey. Thank you so much for taking my call. Certainly. How can I help? I have a question on Step 6. So that's currently the step I'm on. And currently right now, my home mortgage is or my home loan is a 30 year loan, but I'm currently making 15 year payments on it. Excellent. But and so the home loan includes my home, which is a mobile home, and then about 12 acres included altogether. So, of course, my mobile home is not my forever home. And so my plan is to build in the next five to seven years on my current property. And so I guess my question is, I kind of want your advice on,

so whenever I spoke to a local bank about getting a construction loan and just kind of planning for the future, they said, of course, since I have a mobile home, I needed to have the loan paid down because they would not take into consideration the mobile home value, only the current land value. Exactly. So I think that I can have that paid down over the next five to six years. What is the value of the mobile home? So the value of the mobile home is about $55,000. As it sits with no dirt under it? Yes, sir. Okay. And what do you owe on it? So on my current home loan, it's all together, so I owe $136,000.

Okay. And what is the ground worth? So I have about 12 acres, so it's anywhere between $7,000 to $7,500 an acre, so about $84,000 to $90,000. Okay. All right. So who is the loan with, your local bank? No, sir. It is through Plaza Home Mortgage. Yeah, a mobile home thing.

Okay. Yes, sir. All right. Contact them and find out if you were to sell the mobile home without the land, how they would release that. If you gave them all the proceeds and you sold it as is and say, in other words, someone handed you a check for $55,000, would they release the mobile home and let you continue to have the other mortgage?

Okay. Okay. Or if you're willing to move temporarily, we can do this another way. What's your income? $115,000. Excellent. What do you do for a living? I'm a nurse practitioner.

Good for you. How old are you? 34. Okay. Here's what's running through my head. Every day you keep this mobile home, it goes down in value. Sure. So I want you to build.

Mm-hmm. Now. Okay. If we can figure out a way. Me too. Okay. Okay. you to build now okay if we can figure out a way me too okay and uh and we just got to build something that is in budget you know and then but you make a really good income you're really a thoughtful project-minded person the way you've put this discussion together already shows you're on top of it you're not spacing on me or spazzing on me you've really got this dialed in um which would fit with your career field i mean you're used to you know executing proven processes that give you a result and so um you know that's what we're looking at so what i would

say is this uh if you got the construction loan approved, not counting the mobile home, and you sold someone the mobile home for $55,000, the bank would pick up. So you owe, what was the total again? One what? $136,000. Okay, $136,000. So $135,000. So like $80,000 is on the land, right? Yes, sir.

Okay. right yes sir okay so if someone gave you 55 for the mobile home the bank could take the 80,000 on the land which is worth more than that and roll it into the construction loan they just will not do it with the mobile home correct you see what i'm saying now the downside is if you do that and you start building you don't have a place to live while you're building yes sir so that's what i meant by a move you're moving into a an apartment or something while you're building. Yes, sir. So that's what I meant by a move. You're moving into an apartment or something while you get the build going. But I probably would do all of this if you can. If you can get a construction loan approved for a build and find a builder, get a plan, have a schedule, have a budget, have a plan, have a schedule, have a budget, have a plan.

Those are the three things you've got to have when you're building a house because those are the three documents that are your plumb line. They hold you accountable for the schedule, the budget, and the plan. The schedule, the budget, and the plan. The plan is what the builder's supposed to build. The budget's what they're supposed to build it at. And the schedule is it doesn't take four years, right? Because you're screwing around with this thing, living in an apartment for four years.

It takes six months. You build a house. You get on with it. Okay? And so that, you know, and all of the total of the house and the $80,000 on the land, when you're done, you're going to have a permanent mortgage, a traditional mortgage lined up, that will pay off the construction loan. Okay?

They call that the takeout loan because it takes out the construction loan. Yes, sir. And they will usually require, if your bank that you're talking to, the construction loan, doesn't do permanent mortgages, they will require a takeout letter from a mortgage company as a part of this approval process okay all right so you have to get the permanent mortgage approved and you'll know your payment is not going to be more than a fourth of your take-home pay on a 15-year fixed but that gets

you out of that mobile home sooner rather than later because here's the problem 55 is going to turn into 30 really quick in value it's not going up absolutely and so the quicker we get out of it the more bang you're going to get for your buck out of this out of this trailer so i'm going to go ahead if you can build a house that's in budget now and could get the land i get the um uh you don't have to have permission from your current lender. All you have to have is your new construction lender willing to loan you $80,000 plus the house cost. Okay. If you got those two numbers together

and then you got a permanent mortgage lined up to take them out on a 15-year fix, now we've got a plan. So you got some work to do here and there's no rush nothing's on fire but i'm not waiting five years till you pay this down i'm just going to go ahead and get rid of it and while i can get the most possible dollars for it because it's not going anywhere but down and that's the thing so good question well thought out good job good job so um i i catch a lot of flack you know dave you're a mobile home hater you hate and shame people for mobile homes i don't shame anybody i've done so much stupid

butt stuff in my life now i will shame a behavior because i've done some stupid behaviors and that was stupid when i did it and if you did it it's stupid too and if that hurts your little millennial feelings well it's toughies because if you do something stupid i'm not saying you're stupid but i'm saying when you did that it was stupid and mobile homes go down in value rapidly they are not an investment investments go up in value it's a cheap way to get housing no it's a very expensive way to get housing. It's a large car you sleep in. It goes down in value. So we don't do mobile homes.

I'm not mad at mobile homes. I'm not mad at people in mobile homes. They go down in value. Don't do it. That's all it is. This is the Dave Ramsey Show. Are high health care costs getting you down? Are you confused trying to navigate your options? Do you wish you could find an affordable, biblical solution to your health care costs? Based on New Testament principles, Christian Health Care Ministries, or CHM,

helps Christian families, churches, and ministries join together as the body of Christ to share their major health care costs. Christian Health Care Ministries is the original health cost-sharing ministry. A Better Business Bureau-accredited organization, CHM members share to pay each other's medical bills. It's not insurance. It's Christians financially and spiritually supporting each other. It's what Christian Healthcare Ministries has done for over 35 years, and our members have shared over $2.5 billion in medical bills. To learn more, visit chministries.org. That's chministries.org. Christian Healthcare Ministries is a proud sponsor of Dave Ramsey Live Events. chministries.org. nick is with us in mississippi hi, Nick. Welcome to the Dave Ramsey Show.

Hey, thank you, Dave. Thank you for taking the call. Sure. What's up? So I'm in a little bit of trouble. I just started listening to you probably about a week ago, and I'm stacking debt. Okay. How much debt you got? So right now I'm living with my girlfriend,

and we have a combined total of about $4,700, $800. We don't have a combined total because we aren't married. So how much debt do you have? Okay, just me, we're going to be looking at probably about $2,500. Probably about $2,500, $26,000. Okay. And how much do you owe on your car? $18,000 less on the car.

It's a monthly payment of $385,000. Gotcha. Okay. And how much do you owe on student loans? Seven? Right now it's about six, but as soon as I go this next semester, it's going to go up another six and a half. Okay. What are you studying? I'm going for software development.

Okay. And in a four-year degree or two? I had a little bit of schooling before I went. I did have to cut down the credits a little bit due to my full-time job. Are you trying to get a four-year degree? Yes, it's going to be four years. Okay. How much longer before you complete it? I'm looking at about two and a half, three years.

Okay. And are you working full-time now? Yes, I am. I'm on a salary job. And how much do you make? $40,000 before bonuses. Okay, good. Doing what? I'm a general manager at a pizza hut. How much do you make? $40,000 before bonuses. Okay, good.

Doing what? I'm a general manager at a pizza hut. Good for you. Okay. And what do your bonuses look like? It really depends on sales and profit. I mean, roughly. What do you expect to make, not counting the $40,000?

Anywhere between $200 to $400 extra a month. Okay. So another $4,000 extra a month. Okay. So another $4,000, give or take. Okay. And so, you know, good year, you're going to make $44,000, $45,000, all right? And you have an $18,000 car, and you have $6,000 in student loans, and you are not cash-flowing college. I am not. I am paying a little bit for it because my student loans won't pay for all of

it. So there's about $400 a month going into school. Okay. So what are you paying for school? School right now is looking at 411 credit hour, nine credit hours, a term. There's four terms a year with the school that I'm going through. Okay, so $3,600, $4,000. That's only $4,000. Did I do that wrong? It would be $4,000 a term. Yeah. And they're giving me $1,000 scholarship for two years, so it makes it $3,000.

$1,000 per term scholarship makes it $3,000 per term. Okay. Right, right, which every term is about three months. Gotcha. Okay. All right. All right. So, and you're how old? I am 20 currently.

Okay. All right. So, here's the way I answer questions. You said you just discovered us and I've been broke and I was a millionaire and I lost everything and I started over and I've counseled people for 30 years. The shortest

method to financial peace to having some wealth and to not being broke and stressed. Number one, you have a roommate. You do not have a wife. So you do not pay her bills. You do not pay her debts and she does not pay your debts.

Okay. All right. Just pretend from a business and a legal perspective, what you have is a roommate. That's how the law looks at it. And so if you paid $10,000 to her student loan and she decided to run off with your best friend, she just took your money. Okay? Right.

If it was your wife, it would be a completely different scenario legally and so forth. Okay? So you don't pay each other's bills when you're roommates, number one. Number two, you have a car you cannot afford in this situation. An $18,000 car when you make $40,000 is financial suicide, and it's what's holding you back. Number three, you should be cash-flowing college, and I think you can if you get on a very tight budget and don't spend money on anything except survival and college. Right.

And that's what I would have you to do. That is your shortest path to wealth. It's your shortest path to completing your degree, your shortest path to becoming a software developer, your shortest path to making $150,000 a year doing that and living your dream as fast as you possibly can rather than wallowing in car debt, wallowing in student loan debt, to where the 32-year-old version of you hates the 20-year-old version of you. Right. That's where you're headed right now because you're doing a bunch of crap that you're paying for stuff left and right.

Okay? So you're not doing anything evil. As a matter of fact, I think for a 20-year-old, I think you're doing, you know, it's amazing what you've accomplished. I'm proud of you. But you're heading down the interstate the wrong way with your foot on the gas. So I'm saying, hey, get off the exit, turn around, you're going the wrong direction. And some pretty severe things I'm suggesting, okay? Number one, your social life's just going to disappear because you're going to be on a written budget

that involves eating and school. Right. You're going to be no fun for a while. But guess what? It ain't no fun having $100,000 of student loan debt either. Ain't that the truth. But guess what? It ain't no fun having $100,000 of student loan debt either. Ain't that the truth. So, you know, and you're going to be driving a car that has not got the sex appeal the one you've got.

You're going to be driving a hoopty that you can pay cash for and just like you're a college kid or something because you are. And so live like a broke college kid, pay cash for college, get out of school as fast as you can. The last thing I'll tell you is as you start to get into your software development training, have you actually taken any of those classes yet? I've done a little fiddling on my own as far as programming goes, but I am still about a year out before they start teaching the actual software development side. Yeah, as soon as you actually get some level of skills, you probably can make what you're making now at an entry-level position with a tech company or a company that has a tech department like we do.

Okay? Okay. My entry-level guys in tech make more than you make on my team. Okay? And so you could do that while you're finishing school and maybe be sitting right where you end up working, but at a minimum be getting some real on-the-job experience and be getting paid more, which helps you get through school. And by the way, a company that's supporting a technology department that size might pay for your tuition if you could

make the jump over so as soon as you can get where you have a tech have some value to offer someone that has a tech department start looking at making the move that direction they might pick up your tuition and at a minimum i think you can make more as you but as you you know you don't have any value to add right now because you'll know anything yet you're just fiddling right but as soon as you get there um i think that that uh i think you're there and it might only be 12 months away and so and you know your side hustle right now could be all kinds of stuff around that fiddling you know you might make an extra thousand bucks a month fiddling if you watch what you're doing right and uh you know just learning and pushing in doing all this kind of stuff and um uh anything you can make like that's

going to clean up some of these messes and so goal number one is add no more debt goal number two is begin to reduce debt by getting rid of the car okay now with the car it's probably valued at you know about 16 17 so there still would be a little bit of the car payment you gotta borrow you gotta borrow the difference yeah right but at least you won't have 18 000 hanging over your head while you're making 40 and trying to go to school right those ratios just don't work mathematically because you're just you're carrying a heavy weight you got a lot going on here including the fact that we haven't even entered the whole relationship zone of what's going on with your live-in roommate there i mean that you got a lot of stuff going on here and so decide what you want to win at and focus on that hey good to talk to

you sir i'm honored to speak with you. I think you're a sharp young guy. You call me, I'll help you anytime. This is the Dave Ramsey Show. Hey, parents. Did you know going to college is expensive? It's insane. It's only getting worse. And I know some of you are saving.

You're working your baby steps. You're trying to get to baby step five. Student loans look tempting. It's like that young man I was just talking to. This is why the average graduate walks away with over $35,000 in student loan debt. And that's including all the ones that went through and have zero debt. The average is 35, which means the average with debt is probably more like 70. So don't do this to your kid, parents. Just don't do this. Don't cripple them with debt before they even start their career. There is a better way.

I'm excited to tell you about this new book written by Ramsey personality, best-selling author Anthony O'Neill, called Debt-Free Degree, the step-by-step guide to getting your kid through college without student loans. Debt-free degree. Now, like most of the Ramsey products, all the Ramsey products, there is no magic pill inside this book. It requires making tough choices because otherwise you're going to end up making some tough choices later because you're deep up to your butt

in student loan debt. Alligator snapping at you. Debt-free degree is only 20 bucks, $19.99. If you pre-order it, it comes out October the 7th. So if you order it now, you're pre-ordering it. We're going to throw in $40 worth of extra stuff, which includes the Debt-Free Degree eBook, which is a $10 value, Anthony O'Neill's compelling talk on how to connect with your kid, which is a $13 value, our premier Smart Parent event with over two hours of video includes talks from Anthony O'Neill and Dr. Meg Meeker, a $20 value. All of this is free. We're going to send it all to you now, except the debt-free degree book, of course, which

comes out October the 7th. We'll send it to you then. Online at DaveRamsey.com or AnthonyO'Neill.com, or call the customer care team, the Ramsey Concierge at 888-22-PEACE, 888-227-3223. Do not put your kid in student loan debt. We will show you how to go to college without debt. It is not easy, but it is doable. We'll show you a whole lot more, too.

Debt-free degree. Guy is in Arizona. Hey, Guy, welcome to the Dave Ramsey Show. Hi, how are you, sir? Better than I deserve. What's up? All right, so here's the situation. Me and my wife, we own my house outright.

No more mortgage or anything like that. Wow. We are working towards paying off our debt and moving to Tennessee here within five years. Okay. Why are you waiting five years? My question is... Why are you waiting... I'm sorry.

Why are you waiting five years? We're waiting for her kids to get out of high school. Oh, okay. All right. So we still have kids together we're waiting for them to move out of the house gotcha and then we can move okay that makes sense to me all right good all right and so uh the house is paid for and then what else correct um currently we have about ninety five thousand dollars in other debt between two vehicles, credit cards, and her student loans.

My question is, should I just keep plugging away at the current debt we have and leave the house paid off and turn around and rent out the house or sell the house outright so we can buy our property there or take out a small loan now to pay off all the debt that we currently have and just pay a mortgage. When you take out a loan to pay off debt, you did not pay off the debt. You moved it. Yeah, correct. Okay. So how much of the $95,000 is student loan debt?

About $30,000. Okay. And how much do you owe on your cars? I'm going to say about $55,000, $60,000. Okay. And what is your household income? Right now, we're at about $180,000 a year. Okay.

All right. Way to go. Okay. Alright. Way to go. Congratulations. You do very well. Thank you. No, I would not take out a home mortgage or a loan because you should pay this off within a year and a half or a year. I mean, if you just buckle down making $180,000,

if you just buckle down and said no occasionally, you guys could pay off 95 000 out of 180 that still leaves that still leaves you like a hundred thousand to live on and you don't even have a house payment you just got cars that are approaching insanity but they're not too bad you make 180 you can afford them, but I would get them paid off. So I would be, I mean, if it were me, now you're calling me up, and so I'm shocking you, okay?

But if it were me, I would cut this dadgum lifestyle thing you guys got going on here to nothing, and I'd be debt-free in a year. You're probably not going to do that based on our conversation. You have a much more gentle feel about this than i do because i i i would just be going this is silly we make too much money to have this kind of debt i mean and but at a minimum at a minimum guy 45 000 a year out of 180 in two years you're debt free yeah well this last year we've paid off probably about twenty thousand dollars in debt uh between another car a camper and some credit cards that we've been kind of plugging away we've been well

if you made fifty thousand a year i'd say woohoo yay way to go you make a hundred and eighty twenty thousand is nice but honestly it's pretty wimpy. That was not exactly like you guys sacrificed. Yeah. All you did was sort of. I get it. Yeah. You sort of paid attention. Mathematically, I'm not living in your household.

I don't know what the emotional state is, but $180,000 is going somewhere. And if it were in my house, we'd put $50,000 of that, live 50 of that live on 130 and be done in two years okay that's simple and i'll just be on a written budget jump on every dollar download the budget you and your wife sit down look at it go that's our goal two years we're 100 debt free see how this sets you up though think about this you said you got five years before the kids are out of school that leaves you three years with not a payment in the world. By then, you're probably making $200 a year without a payment in the world. You can bank some serious wealth building during that time,

start talking about how we're going to pay for kids' colleges and this kind of stuff, and sell the house in Arizona, move to Tennessee, and you're going to have a pile of money. That's the position it puts you in. Instead, right now, I mean, you're looking at probably $1,200 a month in car payments. So I'm going to make some moves and get rid of some of that junk if I'm you. I mean, I'm not saying you have to sell stuff, but I'm getting rid of this lifestyle temporarily so that we can just clean up our mess. I don't know how long you've been making this kind of money,

but if you've been making it a long time, you've been sloppy. If you've been making it for a year, then you just hadn't got adjusted yet. But I'm going to adjust and, you know, really dial in on that. So, hey, good question. Thank you for joining us. Open phones at 888-825-5225. Ted on Facebook, I financed a car at 18% interest before taking FPU. It's not the top of my debt snowball, but my credit has improved since then.

Should I refinance and try to get the interest rate lower? I don't know what your loan balance is, Ted. I suspect it's high enough. Probably what you just need to sell the car. That's my guess um i again i don't know the loan balance or how quick you can be debt free but on the short term interest rate is not your problem in a one-year period of time so if you're talking about paying it off very very quickly it doesn't matter much but if you're talking about holding this and this car is keeping you in debt

for long enough that you need to consider a refinance, that gives me an indication you probably have too much car debt. And so you probably need to sell the car rather than just refinance it. That'd be my game plan. Hey, thanks for the call, man, for the email and the Facebook follow and all that kind of stuff. This is the Dave Ramsey Show. Thank you. Our scripture today, 2 Corinthians 5.17 Therefore, if anyone is in Christ, he is a new creation. The old has gone, the new is here. C.S. Lewis said, you can't go back and change the beginning.

But you can start where you are and change the ending. You get to decide. You are not a victim. You are not a victim. You may have been a victim of something. But sitting here today, looking forward, you get to decide what you will tolerate in your life. You control the controllables.

A victim of circumstances is someone who decides to sit down and stay in the circumstances. All of us have had bad things said about us, done to us, happened to us. And at that moment, we were a victim. But if you remain in a victim status, you will not progress and become successful in any area of your life. Your parenting, your marriage, your career, your spiritual walk, your physical condition, or your wealth building, your career, any of it. Anything you do, you have to decide, I am not a victim of what happened. I love this C.S. Lewis quote.

It's great. You cannot go back and change the beginning, but you can start where you are and change the ending. We see people and admire people our whole lives that have overcome something. The overcomers are always the heroes in the story, aren't they? And in real life, we just look at them and say, wow, you're impressive. Look at where you started and what you have overcome. Look at what you were a victim of but didn't

remain a victim a victim mentality gives you an excuse to not win you don't understand i dot dot dot you've never been like me and only lived on dot, dot, dot. Well, maybe, maybe not. I've lived on nothing. Worst year of my life, I made $6,000 one year. Boy, that sucked. I was a victim of the tax law change under the Reagan administration. So did Ronald Reagan ruin my life?

Nope. Did Congress ruin my life? Did the IRS ruin my life? Did banks ruin my life? I went bankrupt because of all of them and moves that they made and moves that I made that put me in the firing

line so when those idiots all pulled the trigger I got shot. But I was stepping in front of bullets so I was asking for it. I didn't know any better. I was dumb, ignorant. That's 30 years ago so am I a victim or not? Mike Todd says, I've never been poor.

I've only been broke. Poor is a state of mind. Sometimes the biggest obstacle those of us who started with nothing have is between our ears that we believed, as Henry Ford used to say, if you think you can or you think you can't, you're right. I heard my whole life growing up, well, the little man just can't get ahead. You don't understand, Dave. The little man, the game is rigged.

You have to have somebody to do it for you because you don't have a chance of doing it yourself. I didn't hear that in my family, but I heard it with people I knew. My family always told us we could do anything. As if we had some kind of superpower and it turns out the superpower is belief believing that you can well nobody in my family ever went to college so go to college nobody in my family was ever a millionaire so go be a millionaire nobody in my family family dot, dot, dot, so what? Go be the first one.

Might be time to change your bunch. Your bunch might need changing. They may be saying about this old man's bunch someday, but we changed. We decided we're not borrowing money anymore. We made the decision we're not living like this anymore. We made the decision that that's not how things work. So you control the controllables. You can't control what other people say.

You can't control what other people do. You can only control what you do. But the interesting thing is what you do has more to do with your winning or losing than what everybody else put together does. What happens in your house is a whole lot more important than the White House. It's amazing to me just watching social media. Some of you people have just lost your minds out there. We were laughing today that

in the con you know you you post a tweet or you post something instagram somewhere around the fifth or sixth comment someone says yeah but trump and like yeah but trump and it ain't got anything to do with trump it's just they want to start an argument everybody wants to fight and if you just say yeah but they want to start an argument. Everybody wants to fight. And if you just say, yeah, but Trump, you can start an argument. Pro-Trump versus anti-Trump or whatever. And I got news for you. He has not sent me any money. Nor am I sitting up nights waiting for him to send me any money. Barack Obama didn't send me any money. George W. didn't send me

any money. And I'll go on down the list. Clinton certainly didn't send me any money. George W. didn't send me any money. And I'll go on down the list. Clinton certainly didn't send me any money. They didn't. The best possible thing they could have done, and some of them did it and some of them didn't, was allowing me to keep some of my money. That, by the way, was my money. It wasn't yours. By changing the tax law and allowing me to keep something I earned rather than taking it from me against my will.

That's the most a political candidate can ever offer. Because they're not sending you any money. They're not sending you any money. What happens in their house is not that important. If some of you spend as much time and energy focusing on your own success, focusing on the success of your family, focusing on the success of your career, as you focus on your sports team and on politics, you'd be wildly successful. The amount of brain power, knowledge, passion, and energy that some of you spend on your sports teams and on politics arguing about Trump one way or the other,

arguing about these crazy butt congressmen that are socialists and all this stuff, arguing about all this stuff one way or the other, if you spent all that time and energy on you and your success, your family's success, you'd be wildly successful. Isn't that amazing? I meet people who have more sports trivia stored in their brain. It's so impressive how much brain power they have, but they cannot tell you the balance

in their 401k. They can't even spell 401k. They don't have their term life insurance in place. They don't have their wills done. They haven't been on a budget, and they're deeply in debt. But they can tell you every stinking thing about a sports team. See, and I'm not against sports, and if you're a sports trivia person, that's just fine. But make sure you're successful before you spend all your time admiring other people's

success. Make sure that your career, make sure you're reading a book that causes you to win, that causes you to be a better dad, that causes you to be a better husband, that causes you to be better at your work. Make sure you're doing that stuff before you worship other people's success. Spend your energy and your time on that. You can't go back and change the beginning, but you can start where you are and change the ending. I love that.

That puts us out of the Dave Ramsey Show and the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. This is James Childs, producer of The Dave Ramsey Show. Once again, you made The Dave Ramsey Show one of the top five most downloaded podcasts last year. To get your daily dose of motivation and inspiration subscribe today