The Ramsey Show - App - My Teenager’s Only Ambition Is To Be a Gamer

Episode Date: May 9, 2022

Dave Ramsey & Kristina Ellis discuss: What to do when your parent hasn't planned for retirement and doesn't want to talk about it, Advising a teenager who wants to be a YouTube influencer when they grow up, Why you shouldn't use a 401(k) loan to pay off debt, How to deal with large medical bills, Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where dad 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. Christina Ellis, Ramsey personality, best-selling author, is my co-host today as we answer your questions about building wealth, doing work that you love, and creating amazing real relationships. The phone number is a free call, and some say the advice is worth exactly what you pay for it. The number is 888-825-5225. That's 888-825-5225. Kyle starts us off this hour in Manchester, New Hampshire. Hey, Kyle, how are you?

Hey, sir, I'm doing great. How are you? Better than I deserve. What's up? So, my mom is 57 years old. She's losing her job next month. She's been working at a company for 22 years, and I'm looking to have a discussion with her and discuss her retirement plan. Um, so far she has, she told me that she's been put, she's going to put it off. It's too soon to think about retirement. And, uh, I just would like to open up that conversation with her and get her sort of on track for that. Okay. Why do you think she's unwilling to talk to you about it i sat down with her and asked her you know what her what her plan was i'm her only son i'm also a little nervous that it's going to fall on me but she told me that her parents

never talked to her about retirement or their financial situation and that she doesn't want to talk about her financial situation with me being her son. Okay. And that's her only reasoning. She might be embarrassed to talk about it as well. Yeah, I think that's the real reason. It sucks and she doesn't want to own it. She's ashamed.

Yeah, I think, I really feel like I could help her by giving her tools to do better with her financial situation so that she could have a stress-free retirement someday. Almost like she doesn't anticipate on retiring ever, that she's just going to work until the end. Yeah, that's a hard conversation. I know that, you know, I'm the person that talks to both my in-laws and my mom a lot about money. And I found that one of the best ways is not to just tell, to not just say, hey, this is what I should do, but to bring them in. So it sounds like you're pretty on top of your finances. And so I wonder if you could just even, you know, kind of talk to her about what you're doing so she doesn't feel that shame and that, you know, finger pointing at her. But it's more like, hey, this is what I'm

excited about right now. This is what I'm doing. This is what I'm stoked about. Do you want to come with me to an event? Do you want to read a book with me or watch a video and just see if it can kind of be an enthusiastic thing versus a shame- thing exactly yeah the best way you can enter something like this and and i learned this accidentally because i went broke and then i started telling people about the story of going broke and then they gave me because i gave because i did that they didn't feel as stupid because i was bigger stupid and right standing right in front of them right and so then i could call them stupid and call them out. But I was doing that from a position of my negative story,

not I've got it all together and you people are a bunch of doofuses, right? It was more like I've got a Ph.D. in DUMB and I've done a lot of stupid, and that drops the shame down, the gate down, and allows me to walk into people's lives. I didn't even know I was doing it. I figured it out 10 years after i first started doing it probably before i realized what was happening was that god had given me this story of going broke this wonderful story and um it's wonderful to hear but not wonderful to live and um you know and basically i'm running around the country for

30 years telling people how dumb i was with money hey i got an idea how to help you with your money and seems it seems oxymoronic but it what it did is it took the shame barrier down now how does that translate to you just exactly like christina said it's you probably ought to say you know mom i was scared about this for a long time because i didn't know anything about it and i hadn't done a very good job and i felt really bad i felt ashamed and here's you know here's what i started doing i started doing this and then i felt a little better and then i started doing that and i felt a little better and uh if you've if you've not done a good job with retirement mom that just makes you like a normal person and so there's no shame in it i i messed it up and i'm

trying to figure it out and if you want to learn some of the stuff i've learned it would be my honor to walk alongside and to teach and to help you with that but i'm not here to look down on my nose at you and saying you you've done a horrible job i'm just here to say i did a horrible job too because i didn't know what i was doing either and i had to figure it out and that's approach it from bottom up rather than top down and it's what most of the financial people mess up on they drop their glasses down the end of their nose and wag their finger at somebody and talking down to them instead of going hey man i've screwed up so i know what stupid looks like and so then you got

permission to call out stupid once you've done that but you've got to establish that because she's um she's probably a pretty proud woman it sounds like and um yeah the shame that she's feeling is what is holding her off it's not that her dad didn't talk about money it's that she doesn't have any money and she is going to be working up to 70 years old probably because she's probably broke and so if you can help her with that then you're you'll get her on the way um let me send you a copy of baby steps millionaires and you can give her how ordinary people built extraordinary wealth how you can too you can give it to her and just say hey i read

this book and this was all stuff i didn't know and it blew my mind and because I felt so dumb and just keep talking about how dumb you are that's a real good idea just to get the conversation started and because it just drops the shame barrier down yeah and I think it's so important to just make sure you tell her that there's no dumb questions there are no questions that are too silly I think even as money people we're constantly asking questions and there's constantly things that I don't know that I'm learning. And I think some of the wisest people are willing to admit they don't know things. So it's like no matter where you are in your financial journey, whether you're brand new, you don't know anything about retirement, or you've read every Ramsey book there is, be willing to ask questions and be okay if you sound a little bit silly in the process. Yeah.

But she's not there. Right now, she's just all bottled up with shame she just stopped up and so to kind of get the top off of it get get flow going a little bit and is just just start talking about how talk about you don't talk about her and and don't talk about anything except how scared you were and how inept you were and how ignorant you were and i had to get to learning about this stuff and boy I sure do feel better now that I've learned about it still don't have it all figured out but I know a lot I know enough now that I'm not scared and I don't feel dumb and man I felt so dumb and I was so scared and you know those and that those should be truthful statements by the way I'm guessing

they are I doubt you uh 20 years old had it all together maybe you did a few of those people call here but not most of us didn't most of us have stumbled around looking stupid for a while yeah and they're hard conversations to have but good for you for being willing to go there with your mom and support her and love her that way it's awesome the only other thing you could do is get someone that she considers a peer or she looks up to that would speak into her life and jog this loose. And that might be an uncle, that might be a grandparent, that might be a pastor, someone who's in a position of credibility that you don't have.

This is The Ramsey Show. I get asked all the time, when in the baby steps is the right time to buy life insurance? My answer is typically now. Life insurance is not part of the baby steps because it's needed when your family has debt and not enough savings to provide for their financial needs. That's when they're at the highest risk. And no matter where you are in your baby steps, it's a necessity, not a choice. This includes working husbands and wives, as well as stay-at-home parents. It's pretty expensive to replace those stay-at-home parent responsibilities. I only recommend term life insurance since it's the most affordable way to get the right amount of coverage and not break your budget. Go to

zander.com or call 800-356-4282. These are the guys I personally use. Term life insurance is inexpensive, and your family needs this no matter where you are in your baby steps. That's Zander.com. Or call 800-356-4282. Zander.com. Christina Ellis Ramsey personality is my co-host today. She's number one best-selling author. We're going to talk to you about your life, your money, your relationships, your career. The Building Wealth Live Tour is officially in full swing.

We were in Las Vegas last week, and it was an absolute blowout. We had over 3,000 folks there. It was a lot of fun. You guys in Vegas were so fun. Thank you all for coming out. Absolutely incredible. We're going to be in Orlando next week, a week from this coming Thursday, and we've got a few stops planned for the fall. Plus, we've got news you've all been waiting for.

We've added our last stop in the fall, now Phoenix, Arizona, September the 13th. Phoenix, Arizona, September the 13th. So the schedule now sounds like Orlando, May 19th, that's next Thursday. Then we'll go into the fall. Phoenix will be September the 13th. Sacramento, November the 1st. Minneapolis, November the 10th. And San Antonio, November the 15th.

Now, that's Rachel Cruz, George Camel, Dr. John Deloney, Ken Coleman, and me. We can't wait to see all you guys. Again, we had so much fun signing books, taking pictures, hanging out with all of you. And there in Las Vegas, It was a lot of fun. And we're looking forward to being with you guys in Orlando next week. There's a few tickets left. Tickets are only $25, $60 for a pack of four. So if you and your wife, you and your husband want to bring your friends with you,

hey, it's less than the cost of a pizza, right? So there you go. Go to RamseySolutions.com slash events and get your seats now orlando week after this week from this coming thursday now phoenix september the 13th sacramento november the 1st minneapolis november the 10th san antonio november the 15th our question of the day comes from blinds.com they They have a 100% satisfaction guarantee. That means even if you mismeasure or you pick the wrong color, they'll remake your blinds for free.

You get free samples, free shipping, and with the new promos they run every month, you'll save even more. Use the promo code RAMSEY to get the best deal. Today's question comes from Tim in Pennsylvania. I have a 16-year-old son that does nothing but play video games. He seems to think he will be a rich YouTuber. How do I motivate him? Whew.

It's a big one. I feel like this generation, I've heard a lot of kids recently saying they want to be a YouTuber. And I think it kind of falls into two buckets. It's like saying I want to be an influencer. Shoot me. You failed as a parent. Oh my gosh. But I will say there are people doing YouTube. Yeah, and there are people doing influencing. It's not anything to be proud of though. But before you come down on him, I would

see if there are some nuggets there that could be a career. So does he potentially like videography? Does he like engineering? Is there some type of design work that could interest him? So dig into that and see, is there something in that space? Now, if you start pushing him to explore different options and he's not interested in that, then it might truly be a motivation problem. But I would first see if there are any nuggets of some sort of career path that might be in there that's not just being an influencer or youtuber yeah there's something i mean you you you know we're on youtube and we make a lot of money on youtube so you can make money on youtube i'm not saying

that um and i guess in a sense in a weird kind of a way we're influencers except we really do stuff and have actual thoughts we're not just famous for being famous but the um but here's the thing tim the way i would approach it is this um i would take him somewhere away from your house coffee at a minimum camping would be better and uh just say my job as your dad is to prepare you for adulthood to turn you into a good adult a good adult has a good understanding that work is where money comes from so my job as your dad is to teach you to work i have failed and i'm sorry for that because i've allowed you to sit in the basement and play video games that's not work and so you're going to start learning to work the bad news is i've messed up the worst news is you're about to learn to work you're going to start doing some

things where you learn how to work because i don't want you being 38 years old and living in my basement so you're going to learn how to work i love you too much to allow you to think that playing video games is an actual job it's not it's what you do for fun it's a cool hobby it's exhilarating but it is not an actual job and so i'm going to help you learn to work now part of that might be the nice things that christina was saying because i'm an old dinosaur dad and she's a nice lady so uh but the nice part of the part of that is part of that is i think you may be drawn to something like video work you might be drawn to something that has something to do with the gaming world or the youtube world and i'm fine to help you explore

some of that let's uh let's get a camera and let's see if you can actually make some money doing this and let's do you know maybe make some money that's not on youtube and not have to do with the video game but still has to do with those those same kinds of skills and discover some of those skills help him discover some of those skills and and you know scratch the itch that he's got if it is a creative itch if it is not a i want to sit on my butt itch because some because some of these people do want to sit on their butt when they're 16 most of us did by the way some of us just had fathers that wouldn't allow it and mothers that wouldn't allow it and so i mean your mother would jacked you up if you to come in saying that oh yeah oh yeah my mom is a challenger and she would have nothing to do with that but yeah i mean she would have been more like me than you

oh you were like well let's discover his gifts and i'm like kick his butt you know but i mean but both of them have the same motivation both answers are how do we help the child, not what Tim wants, but what he wants for his son. I want my son to become a man. Right. Men work. Right. And it's a loving challenge. Like, it is a challenge that is a challenge.

Like, we're not going to tolerate sitting around playing video games. Like, that's off the table. Grownups. I shouldn't say men. Grownups work. Let's just call it that, okay? And so, yeah, you find your gifts. The Bible talks about train up a child in the way he is old, in the way he is molded, or the old King James says, in the way he is bent, in the way he is bent, the way he's designed.

Train up a child in the way. So that's what you're saying. Pull those gifts out. Start using them. But, you know, sitting around saying, I really have no plans in life because I want to be a youtuber this is not a plan young man this is not a plan this is a good way to end up broke and so you've got to have um you got to have something more than that but dig in dig in dig in and do take him out of the house this is not sitting in his bedroom or your bedroom or the living room he's got to be away from the house. This is a mono-imano,

man-on-man discussion. I am your dad. I love you so much. I'm going to help you become a man, my son. Absolutely. This question reminds me a lot of when people talk to me about their kids not wanting to go to college. Some people get really negative about that right away. They think, oh my gosh, my kids are going to fail. They didn't go to college. And it's like, that's not the case. They just may have interests that don't lie within the realm of college so maybe talk to them about a trade program talk to them about a vocational program like really lean into their interests and see what they are but bottom line we're not going to sit at home and eat cheese puffs all the time like you're going to do something well you know why they call them starving artists because they don't make much art you know yeah and so if you But there are plenty of artists that make a lot of money.

Right. Because they create a lot of art. You know? And you know why they call them starving songwriters? Because they don't write a lot of songs. But I've got friends who are in Nashville who have written 1,000, 2,000 songs. And if I said their name, you would know their name. Ta-da.

That's a lot of songs. But there's a work ethic involved in the creative process you don't sit around and wait on roast duck to fly in the window you go shoot the duck pluck the duck and cook the duck this is where duck comes from you know it doesn't just fly in the window already roasted and so this is the lesson that's missing in this question right right i think that a lot of times this question of how can I be a YouTuber, it's because the kids are saying the glamorous side of YouTube. They're saying, you know, an influencer, and that's cool,

but it's like, no, you've got to be willing to do the work. Man, I'm telling you, the people that make it on, I mean, we've had a billion downloads on this podcast. The people that make it in the podcast world, they work. We show up here every day, three hours a day doing this. And we like it. We have fun doing it. But, you know, most people don't understand that that's where this comes from.

It's what Malcolm Gladwell calls in Outliers, 10,000 hours of practice before you're successful. And it may involve doing a whole lot of stuff that's not on YouTube before you get there. This is The Ramsey Personality, number one bestselling author, is my co-host today. Nate and Faith are with us on the debt-free stage right here in the lobby of Ramsey Solutions. By the way, if you ever want to visit Ramsey Solutions, we've got a huge lobby and visitor center and free cookies and coffee and places to watch us do the show. We do it for three hours every day, live from 1 to 4 Central.

Many of you consume it at different times on your local radio station or podcast or YouTube or whatever, but that's when we're here doing the show. And lots of people calling in live from all over the nation and lots of folks dropping by. Usually got 50 to 200 here in the lobby hanging out. And so just come make it one of your stops when you're in Nashville. Nate and Faith, how are you? Good.

We're great. Thanks for having us. Absolutely. Where do you all live? We live in West Lafayette, Indiana. Oh, fun. Good for you. Okay. And how much debt have you paid off? A little over $47,000. All right.

How long did this take you? 23 months. All right. And your range of income during that time? Started around $90,000 and ended about $110,000. Okay, cool. What do y'all do for a living? I work at a university.

And I'm mostly at home. I do some photography. And she waves towards the babies in the floor out here, right? That's right. Perfect. Good. Good for you. Love it. What kind of debt was the $47,000? It was mostly student loans. There was a little bit of credit card debt in there, but primarily student loans.

Okay. How long y'all been married? We've been married since 2011. 11 years? Okay. All right. So 11 years, but something happened two years ago, a pandemic for one thing. And in the middle of that, you decided, oh, we're getting out of debt. Tell us your story. We had actually decided to do the program right before the pandemic broke out.

So we started Financial Peace University in January of 2020, obviously not knowing what to expect, but we kind of found ourselves in this cycle of using credit cards to do monthly expenses and just sort of playing catch up all the time. So when the pandemic broke out and we couldn't meet in person with our groups, we just had to take ownership on our own and build that support system in other ways. So we took advantage of things like student loan pausing to really get aggressive uh about paying that back and it worked out and our vacations being canceled yeah that also helpful that helps yeah yeah we weren't allowed to do anything it was awful yeah oh so while everybody else is panicking about the pandemic and the financial markets you guys are

already plugged in you're already like we got this i, we did a little bit of panicking at the beginning, like everybody. Yeah, I think we all had a little of that. Yeah. But you still leaned in, and you said, okay, vacation money, we'll throw it at it. Student loans are paused. Let's get it. While there's no interest, let's get it knocked out. That's right.

Yeah, good, smart. That's smart. Very smart. What was the hardest part? I think the hardest part was seeing the end from the beginning, right? As you're chipping away at those student loans, and we're so conditioned to think of student loans as this thing that just lives with you forever, right? So just getting in the mindset that this has an end date and that we could get these things out of our life. That was the biggest challenge.

Yes, and amen. Man, with this pandemic pause that's what i keep telling people pay off your student loans now this is an opportunity and you guys are just a shining example of that yeah beautiful beautiful so 23 months when you first started and you wrote it all out how long did you think it was going to take you uh we had it closer to three years yeah and then isn't it funny how it speeds up? Yeah. Well, you get sick of it.

So. I'm done. And I got all that vacation money. I got all this other stuff to throw at it. I got all these refunds coming. I got everything coming. I just throw it all at it. And boom, there you go.

Yep. Yeah. Way to go. How's it feel to be free? Feels great. It feels great. It's freed us up to, you know, pursue other things. We're going to be transitioning into a new job for me and a new location.

Oh, wow. And we're able to do that without this thing hanging over us. Yeah. Amen. This thing. That's what we call student loans. This thing. It's a big thing.

Yeah. A big thing. I like it. Who are your biggest cheerleaders? Well, with the pandemic, I felt like we cheered each other on a lot because we were by ourselves uh our parents taught us a lot of good foundations for finances um my cousin cassie went through your program and got debt free as a single mom and she was actually texting us this morning i love it where's no kathy cassie but yeah oh i'm sorry yeah

yeah good good for you guys what do you tell people the secret to getting out of debt is now I love it. Where's no Kathy? Cassie, but yeah. Oh, I'm sorry. Yeah, okay. Yeah. Good. Good for you guys. What do you tell people the secret to getting out of debt is now that you've done it? You're actual experts. I don't think there's a magic bullet. I think it's just an intentionality.

You know, for everybody, there's that thing in your life that's preventing you from being financially responsible. Maybe it's eating out or maybe it's student loans. What was yours? Vacations. I think it was vacation. Yeah, we really like to be on. We're on vacation now. There we go.

But now you can afford to. That's right. So it's just being intentional, making a commitment, and sticking to it. Yeah, okay. That's a big deal. Big deal. Well, way to go, you guys. So for all those people who have student loan debt and are waiting to pay it off,

will you tell them how does it feel to have them done and to be debt-free? It feels amazing. And I mean, I know that there's talks of maybe a certain amount of student loan forgiveness. I would say, this is your education. That's your degree. You know, take ownership. Take advantage of this time because it feels amazing. Amen. It's worth it. You're done.

You're done forever, and you don't have to worry about some politician fixing your life. You fixed it. Very cool. Very cool. And you brought the kiddos to scream with you. Let's get them into the shot. What are their names and ages? We've got Walter, five, Amelia,elia three and madeline just turned one oh perfect very cool and made the trip to nashville

as a part of a vacation very good very good well done you guys we're very proud of you we've got a copy of baby steps millionaires for you how ordinary people built extraordinary wealth you can too that's the next chapter in your story we want you to be that so very cool good job good job good job all right it's nate and faith walter amelia and madeline all from lafayette wow 47 000 paid off in 23 months making 90 to 110 count it down let's hear a debt-free scream you ready guys three two one we're debt-free way to go guys great job great job oh man those kids have no idea what mom and dad have done they have completely

set them up to win changing their family tree absolutely fabulous done fabulous done mandy is with us in san francisco hi mandy welcome to the ramsey show hello dave christina thank you so much for all you do i appreciate the opportunity to pick your brain here today. Thank you. How can we help? So I had a hard year last year, as many of us did, and it left me in about $43,000, or what is now $43,000 of personal debt. I also have about $113,000 in school loans. Just started learning, picked up your book and listening to your podcast, et cetera. So I'm starting to snowball. I got my emergency fund

a little bit higher than the thousand, starting to snowball and starting to get the hunger, right? Like starting to get the hunger to get out of that all the way. I have a little over a hundred K in my 401k. I'm a good earner. And my question to you is, should I cash out, well, not cash out, rather borrow against myself? Fee is only $50. And the interest I pay back to myself, 3.5%. So should I borrow against my 401k to get out of debt? Mm-hmm. And what is your income? So should I borrow against my 401K to get out of debt? And what is your income? $175,000 plus I get bonus.

Oh, good. Okay. You live in an expensive area, but other than that, you have a wonderful shovel and a medium-sized hole. You know, you need $150,000 and you make $17 and you make 175 i think you're debt-free in two years but you're not going to have much of a life during that time because you're getting out of debt you're on beans and rice rice and beans but 75,000 a year out of 175 is pretty doable would you agree yeah yeah i think so that makes that makes you done in two years and so um you can't borrow your way out of debt and so we tell people not to borrow uh unless there's just some kind of a

moving around of something in this case never borrow on your 401k because uh you're unplugging good mutual funds that'll be making you 10 to 12 percent on average instead getting three and a half and when you leave your company when you get a better job get fired or die when you leave your company that loan is considered due on due in full if you don't pay it within 60 days you get penalized 10 plus your tax rate and the last thing you need when you leave your company is that so nope nope no shortcuts kiddo just dive in you can do it this is the ramsey show Christine Ellis Ramsey personality is my co-host today Susan's in Gainesville Florida hi Susan how Hi, Dave. I'm in a quandary. I've been following you for years, two years from paying off my house. And recently I've been told that I may need to have a liver transplant. And in doing the research, my insurance will pay for a portion of it up to my yearly deductible or my yearly out-of-pocket. And, but then there are drugs after the liver transplant that you end up taking for the rest of your life at $300 a month.

And I'm single, and I'm 60 years old, and I only have 150 in my 401K, and I don't know what to do. The research is telling me it's a lifetime commitment of like $ hundred thousand dollars um you know i just i can't i can't even imagine how i'm gonna how i'm gonna pay that off well there's so there's so many things here to be afraid of isn't there yeah i mean when you just say liver transplant i go whoa you know and then when you say 500 000 i go whoa double whoa yeah there's a lot going on i i can imagine you're scared what do you make a year well i work from home uh i work for a company out of state as a technical writer, so I think I paid 85 in taxes this year. Good.

And the good news is that, you know, that doesn't require a lot of physical exertion, and so after you're in recovery, you'll be able to resume work fairly quick, right? Yeah, they're telling me about three to six months. Yeah, that's pretty cool. And my company provides the short-term disability where I'll make two-thirds during the time I'm out for the years that I've been. My heart just goes out to you. I'm so sorry for what you're going through. I can hear the pain in your voice.

Thank you, Christina. Yeah. Well, it's keeping me up at night. I mean, I just, you know, I been a ramsayite for a long time i've even i've even um facilitated at my church uh on two different occasions and i've never heard heard you talk about this and so here's the here's the here's the truth of the situation sometimes uh for me anyway i don't know if this works for you but sometimes once i understand i'm doing something period then the fear starts to go away because here's the deal medically this is scary

but you're doing it you don't have a choice right well not if i want to live well there you go that's what i mean we're doing it so game on right uh scary scary but uh yeah scary but straight up you know dying is not an option here we're gonna not when we have other options on the table and so game on you know let's do it and it is scary but you're just embracing the the the facts of the situation and you're going all right i'm not really can't i'm not really gonna worry about this i've just got to do it now as far as the three hundred dollars a month you make eighty five thousand dollars a year you're okay it's not five hundred thousand and it's not five hundred thousand dollars out of your pocket this is a five hundred thousand dollar total bill the insurance is going to cover

the the vast majority of you're going to cover your deductible and your co-pays and some other stuff that insurance doesn't cover that's associated with this but let's say it's $50,000 plus $300 a month, and we get to keep Susan around. I like the plan. Let's do it. But I've already almost depleted my emergency fund. Our other option is die? No, don't think so.

Well, also, I do love that you said that you're doing a lot of research and you're kind of exploring what's out there. I would encourage you to continue leaning into that. I don't know if you've looked into any of the prescription drug programs that kind of reduce the cost. Like, I know there's a lot of coupon programs

like GoodRx, and I know there's some other ones out there. So I would definitely go through and see if there's any option out there that will reduce that cost. And then I would connect with some other survivors, people who have been through what you're going through, have seen those bills and been overwhelmed and somehow got through it. I think they're going to have some of the best wisdom and insights for you. So here's what's going to happen, Susan. You're going to have a liver

transplant and you're going to have a bill that's three hundred dollars a month and five years from now you're going to be making 85 or 100 000 a year you'll be 65 years old a survivor of a transplant surgery you're going to be paying three to five hundred dollars a month in prescription drugs and you will have come out of pocket with 50k and you'll be fine you'll be all right 150 still there you know you're going to work your way through this you make enough money to work your way through this um you can continue to add you'll be able to start adding back to your retirement again this is not going to bankrupt you it doesn't have to my retirement for now i would just sit on it right now you don't need to write any checks yet nobody

sent you a bill yet yeah actually i've i as i said i i've nearly depleted my emergency okay then go ahead and stop your retirement and let's pile up cash just your stop stop retirement let's pile up cash as fast and as high as you can. How long are you going to be on this list waiting on a liver, do you think? Well, I've been told it could be anywhere from two weeks to two years. Yep. Okay. So game on.

Let's pile up cash i'm in i'm in a uh and i i'm looking at at some things um some organizations that that uh help financially um to apply well kind of like christine did with her schooling. Sure. Here's the thing. I think you're going to have the $50,000 in cash before you need it. Because you're going to put $50,000 cash real fast together because you stopped your retirement, you stopped everything, and you're piling up cash like crazy because you're scared. If you weren't scared, you wouldn't be human, and i'm not making light of your situation you called me asking me for hope and i'm telling you you're going to be okay

but it's not false it's not going to be easy it's going to be you got a hard two three four years ahead of you uh and then you're you're going to be okay financially you're going to be okay medically unless something goes wrong that we haven't discussed on this call and so i can standing outside of your fear which you should have that fear i would be scared to crapless if it was me okay i get it i'm with you okay but i'm standing over here not in the middle of it looking at your numbers in your life listening to a lady who's already a survivor you're already a scrappy woman aren't you yeah you've been scrapping a long time.

It's just one more fight. Double up your fist, girl. Okay. You can do it. You can do it. And I'm not making light of your situation, and I'm not making light of you having some fear. I hear the fear in your voice. I hear the hopelessness in your voice.

But my job is to speak life over you and it's and it's based in facts not based in the hope i'm speaking over you and christine and i are speaking over you is based in facts not based in pollyanna positive thinking or something i can tell you that a woman that makes eighty five thousand dollars a year that stops her retirement can pile up 50 grand pretty fast boom i can tell you the woman makes eighty five thousand dollars a year five years from now is going to be making a100,000 a year. Boom. I know that a woman making that kind of money can pay $300 a month in prescription and be okay.

Boom. I can see the math is going to be okay. But I'm not the one facing all of it, so it's not as scary for me. So my job is to say, hey, I love you. I'm afraid with you. But you're going to be okay. You're going to get there. You call us back if you need some help, honey.

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