The Ramsey Show - App - Is It Ever Too Late To Build Wealth? (Hour 2)

Episode Date: March 29, 2024

Девочка-пай 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. Rachel Cruz, number one best-selling author, co-host of the Smart Money Happy Hour, Ramsey Personality, and my daughter is my co-host today. Open phones at 888-825-5225. Shane starts this hour in Baltimore.

Hi, Shane. Welcome to the Ramsey Show. Hey, Dave. How you doing? Better than I deserve. What's up? All right. So I feel like I know the answer to this question, which I hate, but I wanted to hear from you. Hey, Dave. How you doing? Better than I deserve. What's up? All right. So I feel like I know the answer to this question, which I hate, but I wanted to hear from you. So I recently purchased a home from my grandmother who passed, and I knew it was essentially a figure out if I should roll my credit card debt into that home, into the equity of the home, and then pay that off with gazelle intensity. I have $26,000 in debt, credit card debt, and I make $85,000 you're single i'm single what's the answer to your question you know it i know what it is i just but it would free up 400 a month for me if i were to roll it but i it's funny i tell my mom like my problem is not the debt my problem is that i'm not

disciplined enough to knock it out. Like, why do I need to consolidate it into my equity? And that answer is what, Shane? That, I mean, I feel like I'm getting to a point where the answer is that I shouldn't do it. I know exactly what I should do. I wanted to make sure it was the right thing to do. The thing that scares me is the interest rate. Let's kind of back up for a second.

$400 a month is not true. That's $4,800 a year. You're not saving that on $27,000 worth of debt in interest. The only way you're saving $400 a month is if you're going to be in debt longer. Gotcha. Which is absolutely not your goal. No, it's not. Okay.

So you're just trying to dumb this down to make it easy, and it's not going to get easy. You know, this is Band-Aid fast off versus Band-Aid slow off and you get gangrene. True that. Gross. Hey, Shane and I are okay, Rachel. You don't have to worry about it. If you don't want in, it's okay.

I just have like Google imaging. Oh, Shane. Okay, so what's the deal? Get fired up and lay it out. Lay out the math and go. What is it you make again, by the way? 85. Okay, so 27.

So you're by yourself. You don't have to talk anybody into this. You're how old? 29. Okay, one year. You really think old? 29. Okay. One year. You really think I can do it in one year? I'm positive you can do it in one year. Gosh, I knew you were going to say this.

And here's the problem, Shane. You're going to have no life for a whole year. All you're going to do is work and eat ramen noodles and pay debt. No going out. No eating out. No vacation. Work, out, no eating out, no vacation. Work, work, work, work, work, work, work, and you're done in a year. See, this is only about $2,300 a month,

and you're done in one year. All right. Shane, what is the debt? I mean, I know it's credit card debt, but was it just life? It's life over about eight years. So that's what's going to be hard, Shane, is it's not like this is just a car loan and you made one purchase that put you in this.

These are multiple decisions, you know what I mean, over life, and you're used to living that kind of lifestyle of $26,000 above what you've been making. So it's going to feel even more sacrificial in a sense. So just as a heads up. Here's the thing. If you'll do this, it'll make you a multimillionaire. And here's why it'll make you a multimillionaire. Here's why. Because anytime you get ready to be chaotic and sloppy and disorganized and slip back into credit card debt, you will remember the year from hell and you will not let yourself do it.

Dang. But if you wander your butt, just kind of lollygagging along out of debt, you will wander back in because you, but if you have to pay a price, I mean, if you got the, the the the year from hell in your consciousness and you go crap no i'm not buying that there is no way i'm not going on a month

without a budget i remember where that put me before oh and this is this is it's settled in your brain it's settled in your body it's settled in your spirit and that's why i'm telling you to do it it's not just because it gets you out of debt and it's not just because it's absolutely the highest probability you will win but what we're doing here is resetting the way you handle money for the rest of your life yeah and that's going to make you it's going to make you're only 27 29 gonna make you 10 million dollars i mean i promise you the math says it because you know how to make money and you've not been horrible with money i mean you're not like as bad as like congress or something i mean you're not you know you're not you're not ridiculous you only got 27 000 but it's just sloppy it's like the the enemy

of pretty it's pretty intense that doesn't have to shame Shane, but like $26,000 in credit card debt from just life though, like it's going to be a shift, Shane. Like you've got to hear that, but it needs to happen. Like you said, it wasn't like this explosion of stupidity. It was gradual. You know, like you said, that's the truth. And so the danger of that is, is the enemy of excellence is not horrible. The enemy of excellence is okay.

Complacency. Yep. It's, oh, this is good enough. You know, and we used to say this redneck saying, I don't know if they say this kind of stuff anymore. Close enough for government work. Have you ever heard that one? Close enough for government work.

Nope. Which means half butt do your job okay that's what it means in the neighborhood i grew up in and so you know it's mediocrity yeah you know and so and and you know shane you're fighting what all of america is fighting this slip into mediocrity and you've got the ability here to completely change that and the cool thing is you already knew every bit of it before you called here now you gotta do is go do it i'm proud of you man proud of you great shane i can't wait to do your debt-free scream with you in a year when you hate the old shane so bad that you will never go back to him and you were breaking up with him never going back with him

and so we're going to be organized diligent have money budgeted for fun money budgeted for luxuries and we're going to go become very wealthy and outrageously generous and that's in your future you could be a millionaire in 10 years you really can be from where you're sitting right now you're in really because mainly because of headspace. Your headspace is excellent. As long as the gangrene doesn't get them. Rip that band-aid off, Shane. So gross.

Watch out for the amputation. Really? This is The Ramsey Show. Every team that wins has a good offense and a good defense. Money's the same way. Offense is you get out of debt, you invest, and you're generous. Defense is insurance. You need good insurance.

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going to save some money as a result go to ramsey solutions.com slash checkup completely free ramsey solutions.com slash checkup Do not let emergencies sneak up on you. Russ is with us in South Bend. Hi, Russ. Welcome to the Ramsey Show. Hi. Thanks so much. Dave, we are a young married couple in our early 70s, and we're financially free.

And at this stage of life, we've got about $80,000 in cash. We've gone through financial peace university and, uh, designated, uh, the emergency fund out of that. But my question is twofold. Um, what's the best thing to do with that money? Obviously sitting in the bank is probably not the best thing to do. The second question is, is the goal of wealth realistic at this stage in our lives? We have to define wealth, extreme wealth, unless you make really, really good money. No, because time is not on your side. But can we, you know, can we build a nice nest egg, a plump one? Sure, sure. And, of course, that depends on a whole host of other factors

and variables that you can control, some of, and some of you can affect. But, yeah, so, but, I mean, 60,000 invested in good mutual funds, if it averages 10%, would double every seven years so it'd be if you don't add anything to it so it would be you know and you know if you're 70 it would when you're 77 it would be 120 and if you're um 84 it'd be 240 give or take but i mean that's pretty close and that's if you don't add anything to it now of course you've got income you've got other things going on but you know a quarter million dollars uh as a plump little nest egg in your early 80s is certainly better than a whole host

of people absolutely and you know neighborhood i grew up in, we called that rich, but it's probably not really rich. No, that's great. So mutual funds would be the way to go in Europe. If you're going to leave your hands off of it. If you can leave your hands off of it. You have an emergency fund in addition, and you have income to live on? Yeah, we both pull in about $60 60 grand a year, about 30 apiece. At this stage, I've got a financial stream from my old insurance business.

I live on residuals and occasional referrals. She also is on Social Security, and she's working at an accounting firm, and she does a little part-time work for that. So this is semi-retirement for us, and there is income streams for both of us along that amount of money. Good. Perfect. Excellent. Well done. Yeah, I mean, so you're secure, and so we can allow this money to grow. We might even be able to add a little bit to it as we go along, if you wanted to. There's no panic here here it's not like the

house is on fire but you've done it i mean you set yourself up to where you should be able to prosper with that it's great for us yeah absolutely ashley's with us ashley's in los angeles hi ashley how are you hi thank you so much for taking my call huge fan thank. My question is, um, my husband and I are on baby step six. Um, we, uh, have, uh, about $450,000 left on our mortgage, just under a million dollars in equity. And my husband would like to take about the, about $150,000 that we have in our savings to possibly invest that in, in real estate and in investments. And so my, in my opinion is that we should, we're $450,000 to completely being debt-free that we could, should continue to chip away at that mortgage payment rather than invest now. So we just aren't sure where to go from here. Yeah, it's a good question, Ashley. I mean, it's one that I feel

like a lot of people are asking these days. This comes up a lot that I see. So yeah, I'm more of your line of thinking. I would throw that money at your primary home, pay it off, and then make it a goal for you guys to buy an investment property, which may be tough in Los Angeles to do it with cash, but that's how we recommend doing it. Right. How much do you guys make a year? So combined income is just about $225,000. Okay. So he... Go ahead. Well, what do you guys do for a living? So I'm in real estate, so that's why I love taking those commission checks and throwing them at our mortgage and just pretty much living off of his income, which he's in law enforcement.

What does he make of the $250,000? About $150,000 to $175,000. Okay, so if you throw $100,000 a year at this plus the $150,000, About 150 to 175. Okay, so if you throw 100 a year at this plus the 150, you're done in three years. Okay. How old are you? 38. Yeah, so you're a whole 41 years old. You own a house at that point that's worth a million and a half to $2 million,

and it's completely paid for, and you make $250,000 a year. That sets you up to build a lot of wealth in the future. And if you go put $150,000 down on a $600,000 or $700,000 rental property, it'll barely cash flow, barely cash flow. Right. And so there's no blessing there. So the answer to the question is not real estate or what can you do or that the answer is should the lens to look at it is okay what gets us when we're 50 to the highest net worth which method which method and i can promise you the

method that does that is paying off your mortgage first and then paying cash for your first rental property and you can do all of that before you're 50. Yeah because there's there's still this myth out there Ashley with real estate and investment real estate I see it everywhere it's just like I just it feels higher than it has in a long time of people wanting to get in and do stuff and because there's kind of this mentality of like, oh my gosh, how great. It's kind of fun. And we have this other property and we get rental income. And it feels like this cool thing to do. But in reality, it's a side business.

I mean, you're going to be dealing with tenants. And on top of that, the money never ends up being what people think it is. With the headache and everything. Like what you guys end up after fixing stuff in the house, paying the mortgage because you're taking mortgage out on it. If the rent isn't paid, I mean, there's just so much that goes into it that's not as glamorous as it seems. And it's great. We love real estate. We are a real estate family. My husband does real estate. Dad, Dave loves real estate. So it's not that we're against it

in fact it's a wonderful thing but you want to do it the right way because if you go in about if you go if you go into it like you guys are thinking it's it doesn't end up being as wonderful and great as an Instagram reel makes it out to be that you see all the time. Yeah, for real. Nothing ends up as great as an Instagram reel in reality. So, but yeah, you know you're dealing, folks, with someone who doesn't know anything about real estate when they say things like, well, the tenant will pay the bill. That means you've never had a tenant. That's what that means.

That means you've never had a hot water heater go out the same month that the tenant moved out and broke the contract and you don't even know where they are they just left oh and this was in a nice house not a junky house and they trashed it the same month so i'm putting in heat and air i'm having to paint it because these morons spray painted the wall for some reason they decided to do this as they broke the contract and left and disappeared in the middle of the night. And now I got no payment coming in. I got a lot of money going out. This is landlording.

This is landlording right here. Now, can you make money net net of all of that? Yeah, because you put a tenant back in. You're going to get rent and you don't have any payments. You don't have any payments. You don't have any payments, but if you put down $150,000, you have lost your hiney under the thing I just described. You'll look back there, and it's gone. This is The Ramsey Show. Rachel Cruz, Ramsey Personality, is my co-host.

Teresa is in Little Rock Arkansas hi Teresa how are you just fine and you better than I deserve what's up well I am knocking on the door of 61 I have no retirement money saved up whatsoever I've been working the baby steps. I've got my little $1,000. And hopefully Social Security will still be there when I retire at 67. My question is, even though I'm in the baby steps too, my company matches 4%. And I'm just wondering if I should go ahead and be putting that 4% into my 401k, even though I'm still in baby step two. So you're 61 and have no money? None.

What do you make? I bring home roughly $67,000. What is your debt? A little over $69,000. What is your debt? A little over $69,000. On what? A student loan is $11,000. I have a car loan of $18,000. I have a personal loan of $12,000. And then I guess you could say another personal loan of 26 on a tractor

why do you have a tractor uh well we're country folks oh wait where's your husband my husband is 75 he's drawing social security he is basically um disabled okay i guess you could say he has copd and emphysema he's had three back surgeries so he don't need to be on a tractor no i'm i use the tractor not anymore broke people don't have 26 000 tract Well, I have tried everything I can to try and sell this thing other than just letting it go back and letting them sell it for whatever they can sell it for. No, you haven't. And then paying the difference. Tractors are selling right now.

What kind of tractor is this? It's a Kubota. That tractor will sell. Well. You haven't tried to sell this tractor. Well, when people say that they go buy a brand new one for the same price of what my payoff on it is. Well, your payoff is a personal loan. Does it have an actual lien on the tractor?

Yes. Okay. With who? Who do you owe? Kubota? Yes. Okay. Well, I would go to owe? Kubota? Yes. Okay. Well, I would go to the credit union and borrow the $5,000 worth of difference and get this tractor sold.

And you need to sell your car, too. You guys are in emergency mode, girl. You don't buy a $26,000 tractor when you're broke. Well, this was two years ago before I discovered Dave Francie this past March. What is your land worth? What's your land worth? Probably about $3,000 or $4,000. Your land is worth $3,000?

Yeah, we bought it back in 1902. I'm sorry, per acre? No, for the whole seven acres. You have a $26,000 tractor for a $4,000 piece of land. Well, we hunt, and I use it to clear deer leases in our hunting area and food plots. Yeah, I told you I was a country girl. Not criticizing country.

I love country. I was over bush hogging last weekend on my farm, so I got that. Just because it's therapy. But, yeah, okay. I admit, it was a stupid purchase. Yeah, it is. Spur of the moment purchase yeah okay it gives you joy but not as much joy as being as being broke is stealing from you right yeah and you're starting to look up and go i need something to eat other than social

insecurity when i get to 66 67 so yeah i if if i'm in your mode i am so scared i'm going crazy and i'm selling tractor i'm selling car i'm gonna get two thousand dollar car i'm gonna work like a crazy person are you leasing the land did you say dearly hunting lease are you leasing it out to people it did no no it's land that other people own that has give us permission uh to hunt we're not having to physically pay for a lease oh you don't have to pay a lease but you're not receiving any lease money on your seven acres no okay all right that's what i was trying to get to okay all right you have seven acres and literally the only value of it is four or five thousand dollars yes it's 500 bucks an acre is it mountain land or something

no it's it's just it's in between a bunch of uh heirs that and nobody i mean it's paid for i know i know but it's just hard for me to imagine land that's that cheap five hundred dollar an acre land in arkansas mean, you must be piping sunlight in there. Okay. We are. We are. All right. I got you, girl.

Only God knows where we're at. I love it. I kind of think I'm going to like, I think that I've got a feeling it's beautiful. I really do. It is. But anyway, okay. So, all right. Selling car, selling tractor.

Get rid of the car, get rid of the tractor. What's the student loan? loan Teresa why do you have an $11,000 student loan I've been paying on it since 1999 and did not take advantage of paying the last three years okay okay so you've got to get in high gear mode because if you'll get this mess cleaned off, you'll have plenty of money to save and invest. But you've got so many payments coming out, you ain't got any room in your budget to invest. And that's why we tell people to clean their debt before they take advantage of the match. Yeah, so the short answer, don't do the match right now. I want you debt-free in a year by selling everything in sight.

I want your husband afraid he's going to be sold next. Okay? And every deer in the area needs to be afraid you're going to sell him because you're going to shoot him and put him on something and sell him. I mean, oh, my gosh, you're unbelievable. You've got to scratch up every dollar you can, clean everything up, and knock this out as fast as you possibly can because you don't have any money to invest you don't have any room in your budget with what

you described to me so uh and you've you got you know as you said you got six years so we've got we got to make we got to make hay while the sun shines and you got to get with it and um and Teresa it's going to be it's going to be extremely uncomfortable just know that going in but it's going to be really uncomfortable being 82 and zero money a hundred percent and a rusty track but you're you know what I mean but I'm like after decades of living a certain way untangling that is much more difficult I think than when you're living some some way for five years. You know what I mean?

You're taking a life, Teresa, and you're turning it on its head. I mean, you're going to be doing some really newer ways of thinking that are going to feel very uncomfortable but keep pressing through, even though it's hard. And every time you do something smart, I want you to say, I'm doing this because I'm a country girl. I don't want you to do anything else dumb and say, I'm doing this because I'm a country girl. I don't want you to do anything else dumb and say, I'm doing this because I'm a country girl. Quit blaming dumb stuff on country girl.

Blame smart stuff on country girl because country girls do smart stuff. And, you know, this is what you're about to do. You're about to do some really difficult things. And people in your life are going to think you've lost your dadgum mind but what you're doing is you're trying to secure a reasonable last three decades two decades of your life you know and and that that's very important to fight for it's very important to fight for and it's possible Teresa we've talked to people it's gettable five years from down from where you are and it's a completely different situation so you do you it's never too late we always get that question is it too late it's not too late you know and not too late

but you're trading a $26,000 tractor for $150,000 in your retirement you're trading an $18,000 car for another $100,000 in your retirement you could have a quarter of a million dollars set aside with match if you'll get your butt out of debt now by the time you hit 67 68 years old you can get there if not maybe maybe 200 maybe not two and a quarter or maybe not 250 but you can get to where you don't have this sense of being broke and then if you want to go buy a six thousand dollar tractor to play with out of your two hundred,000 and your $70,000, fine. Go do that. But otherwise, don't. No, no, no.

And blame all smart things on being a country girl. Don't blame dumb things on being a country girl. This is The Ramsey Show. Rachel Cruz, Ramsey personality. Taylor Swift, song quoter. I butchered it, too. Co-host today. You giggled all the way through it. Nobody knew song quoter. I butchered it too. Co-host today. You giggled all the way through it. Nobody knew what you said.

I had a dream. My daughter-in-law kills me for the money. She thinks I left them in the will. Is it? And then they all have the reading and they realize, you know, they're not in it. And then the last line is, they're all screaming. She's laughing up at us from. Hell.

Can I say that? Yes. Oh, I guess. We don't get fined for hell. I don know i mean as far as i know yeah all right remember when you thought asinine was a cuss word there's that michelle is in rochester new york hey michelle how are you hi thanks for taking my call sure what's up? So my husband and I are trying to decide if we should move in with our mother-in-law. We are going to be seniors in college. We've been married two years now. And there's two main reasons why we would move. The first is we would save money probably.

We'd still pay her rent, but we'd probably save $400 a month. And the second reason is because she's a single mom and her son is moving out to get married, so now she'll be in the house alone and she doesn't like to be alone. Is her son your husband, the one that's getting married? No. What? It's my husband's twin brother. Oh, okay.

Yeah, so Michelle, a reason to move in with an in-law under the motivation because she doesn't like to be alone, that starts to really entangle a relationship because it sounds like you're being kind but it actually ends up being extremely dysfunctional that she's depending it upon you guys so the only way she's not alone is her grown children stay home with her that's dysfunctional i'll just say it that way yeah

okay i'm sorry this late it's a normal thing to cry when your grown kids leave and cheer 20 minutes later. It's a normal thing to do that. You do both, okay? And to just cry, and I don't want to, she needs to have a life outside of her children. Okay. I will say she is very self-sufficient. She still works full-time. No, she's not. Not emotionally.

It's not that she, I the situation it's hard to describe but i'm not as much concerned about her like if because we've talked about not moving in and she would just go on with life it's not like a necessitated thing yeah i think it's going to be better for y'all and her emotionally and relationally but that's not a psychologist or a therapist speaking or a pastor speaking that's just an old man telling you okay you do whatever you want to do and do you guys is there a reason you know you said you're going to save four hundred dollars but there are juniors in college you said right uh we'll be seniors this year coming up but the twin brother and his new wife aren't staying uh well they're living in um the new wife's in law apartment with her parents so they sort of have their own situation

um we had just talked about it like because it was our last year of college it might be nice to save money and take some of the strain off of ourselves yeah if you want to do it it's fine it's the way you presented it sounded weird okay sorry no that was i guess you didn't you didn't it's not that it sounded weird it just that our answer changes or my i'll say my answer is more cautious for you michelle because of the end of that it's not that we're doing this for a financial goal because some people do that right i mean we we talk to people a lot that they're like hey we're gonna make this move uh because we have this goal and then we're gonna be out there's a date it's very specific all of that i'm not completely against that it was the

last part when you said and because she doesn't like to be alone that's where my flag went up just for you michelle like woman to woman it goes up for her it goes up for your husband too yeah that's what's weird i mean that is weird so if that part wasn't the end of it though and if your only question was hey it's our last year of college and we're able to save some money if we do this you know what do you guys think about that if that was it i would say and you're all in yeah and i would say i mean yeah if that's what you guys choose to do and but i would have an end date i would not be living with my in-laws over a long extended period of time as young newlyweds i don't think that i think you guys figuring out life just you guys together

is really healthy um i would prefer that you didn't i think you guys just figuring out life together is is great um but if you wanted to and had an end date and all of that you it could be an option it won't like destroy but it's that end that other part of the question that i'm like oh just don't you know what what i heard was just codependence and i don't i wouldn't i don't recommend that for anybody um you know if uh because there's not an end there's not an end to that that needy that neediness is not something that needs to be fed it needs to be healed and that's that's all i was saying just from again that's just old man talking so it's not there's no professional quote guidance there you called

us and ask our opinion. So, and I don't think she's a bad lady. I think she's just normal. It's normal. She's got two twin boys are the last two to leave. Yeah. And sob my eyes out. And she's a single mom and they, they've been her world and that's a normal grieving.

Yes. Yes. But it's also a release that, and you know, she doesn't have a choice. She's got to move on with the next chapter of her life. And you guys can't run over there every time she's lonely. Yep. That's, yeah, okay. Anyway, I'll set our pace.

Be careful, be careful, be careful. Janice is with us. Janice is in Charlotte, North Carolina. Hi, Janice, how are you? Hi, I'm scared to death. Why, what are you scared of? Well, I'm going to be 63 in a couple of weeks. I have no retirement.

I'm still working. Made some very poor decisions with money over my life. Raised up in a Christian home, but the only scripture I remember about money was the one that says, don't store up for yourselves, things that would, you know. Be poor. Yeah, I got you. I remember that scripture. Yeah, and I never really learned money management from my parents.

They were poor. Before I run tight on time, how can we help you hon well i just i've got three hundred dollars in my emergency fund so far and i want to get started i just what do you mean i'm afraid i don't what do i make uh i bring home about three thousand a month good all right and you got and you have no and you have no money how much debt do you have uh i have a twenty thousand dollar car um i have a ten thousand dollar credit card a four thousand dollar credit card a twelve hundred dollar credit card and a three thousand dollar personal loan at the bank yeah well there's reasonable reasons to be scared

not terrorized but scared because this is an unhealthy situation and you're and you're recognizing i have to address it um and so i would let that if fear tells me to not touch a hot stove or get out of the road a car is coming that's good fear yeah and it's i don't want it to be debilitating fear fear that keeps you up at night causes you have to car's coming that's good fear yeah and it's i don't want it to be debilitating fear fear that keeps you up at night causes you have to take anxiety medicine that's not what i'm talking about but i mean fear tells you to get out of the road you're getting ready to get hit by a car that's good fear so and that's kind of where you are you got a mess and you're going i got to deal with this so what we'll do is we'll help you okay we'll walk with you uh it's not going to be

easy you're going to get your income up. You're probably going to sell this car, and you're going to do some difficult things, but we'll show you how in Financial Peace University. It's our nine-week class. You'll have people around you that are holding you accountable and encouraging you because you're scared, and you need some encouragement.

We'll gift that to you, Jana, so stay on the line. Oh, yeah, we're not going to charge you for it. We uh and we'll gift that to you janna so stay on the line yeah we're not gonna charge you for it we'll pick you pick up and do that for you be completely free for you yeah and the thing is this be afraid enough to do something but not so afraid that you're that you're frozen so get out of the road don't freeze in the headlights and we'll walk you out of the road and get you to the sidewalk and then walk you to uptown so um and the good thing about this too janice is that there's gonna be a lot of quick progress in this that you're gonna see and because of all these these debts there's a lot of them so it feels overwhelming even as you listed it but you're gonna start with the debt snowball you're gonna start knocking this stuff out and it's gonna take

some years you know it, it's a marathon. It's not a sprint. But continuing to make those decisions day in and day out, you're going to see progress, Janice. You really will, probably for the first time in your life, actually get traction the right way. Hold on. We'll help you. Hey, it's Rachel Cruz. If you love the show and want a deeper dive on your money journey,

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