The Ramsey Show - App - You CAN Get an Apartment Without a Credit Score (Hour 2)

Episode Date: July 17, 2020

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🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is The Day Ramsey Show, where America hangs out to have a conversation about your life and your money. My name is Anthony O'Neill, and I'll be with you today. I'm excited because it's a great day here in the beautiful city of Nashville, Tennessee. It's pretty hot, but it's a great day. 888-825-5225. 888-825-5225.

Kelly is standing by. I would love to have a conversation. You want to talk about your life, your money? You know, let's do something fun. If you're a millennial in the ages of 20s and young 30s or like 18 and 19 give me a call let me tell kelly hey i'm a young millennial i want to ask anthony a question let's talk about your life let's talk about your future let's talk about where you're going or anybody just give me a call i'll be here and i would love to have a conversation with you one of the things i really

love about doing on the dave ramsey show is every time I come in here, I actually pull up to YouTube because every single day while Dave is on, he streams it live on youtube.com forward slash Dave Ramsey show live. And I love to come in there and just, you know, just see what the people are talking about. And I love to engage with them. And today I want to give a shout out to the YouTube channel who's watching and Maddie Fisher asked a good question. And I thought I would start off this hour with that question and addressing it because a lot of people may not know, you know, my story. And he says, Anthony, when was your sick, entire moment, a.k.a. your never again moment? And that is a good question. A lot of you all who follow the Ramsey Solutions

know that at a young period of my life, I was homeless, sleeping in the back of my car. And that was the beginning of my never again moment. That was the beginning of my sick and tired moment. But let me give you the never again moment. True story. I was maybe 19, 20 years old and just got back into my parents' house after being homeless. And one of my friends said, hey, man, let's drive out to the beach. This is about the early 2000s. I want to say about 2004, 2005. Back then, this generation had cars. So we'll go out there and buy like Chevy Impalas, Ford Explorers, you know, old school Mercedes. And what we would do is we would put spinning wheels on the tires, spinning wheels.

So when you stop the car, you still see the the wheels spinning and so i was driving a car that couldn't even go in reverse and i put wheels on my car that was still spinning and so one day we're at the beach and um i i had this new this new model of life like all right i want to change my life but how do i go about it and one day i'm out there and it's me and my friend in the car and I know everyone who's pooling up at the beach one guy pools in with a Mercedes C-Class with spinning wheels on his car but he has this Mercedes

but he lives at home with his mom then another pools in with a Range Rover another set of spinning wheels on his car but he lives in a house with four other dudes then another car pools in then another car pools in and I looked around I see all these beautiful cars and all these nice expensive things

but each and every single one of them were living paycheck to paycheck or they were broke but they looked good and that was the moment that I said I'm sick and tired of looking like I have money and I do not have money I'm sick and tired of my peers.

We want to look like we have it all, but we don't have it all. And that's the day I told my friend, take me home. You know, I want to go home. I'm ready to change my life today. And that's the day I started working two, three jobs. I was already working one job. I went and started washing cars. I started delivering newspapers at nighttime with my dad. I just tried to get so much money because I wanted to pay off

my debt. And I wanted nice things. But I said, you know what? I'm going to build a solid foundation so I can start bringing wealth into my family. So that way, when I do look good, I am good. That was my never again moment, coming from homeless to seeing everyone in front of me looking good, smelling good. But they're broke. They're living paycheck to paycheck. They're living with their parents. And there's nothing wrong with living with your parents as long as you're being a good steward of that opportunity. But these guys, nah.

Every time they got their paycheck paycheck they spent it on material things rather than investing it and i want you all to hear me clearly that's not what i want for us that was my never again moment what's your never again moment maybe you're in it now maybe you've already experienced it i don't know but right now i want you to really think about are you sick and tired of being sick and tired if you're a young person listening to me you're 21 years old and you just graduated from college and you have student loan debt you're never again moment is right now i'll never again borrow a dime maybe you're 40 years old 50 years old and you have a son you have some kids you have a family you're struggling trying to figure things out what's your never again moment and if you're asking yourself anthony i know where

my never again moment is i'm sick and tired of being sick and tired but what do i do i have something for you if you want to take control of your money you have to be the one to tell it where to go that means getting on a budget give every dollar a job every single month and the best way you can do this is with our new Ramsey Plus membership it gives you all of our best money products

including a premium version of our budgeting app every dollar and i use every dollar personally every single month on the 25th i have a date with every dollar because we're talking about next month and that's where you'll make your budget you'll track your spending and clearly see where you are going what i love about ramsey plus they also have financial peace university inside of it and you can try all of this with the free trial of ramsey plus today and your never again moment stops today and it's going to fuel you okay to start the free trial once you detect begin b-e-g- B-E-G-I-N, to 33789. Again, that's BEGIN to 33789.

You control your future. You control where you're going in life. You control if your kids will have a head start in life. I refuse to find a wife one day. I refuse to have kids and they start in the same place that I started

because I did not take advantage of my never-again moment. I did not say, yo, I'm going to change my life. Get off Netflix. Stop gossiping with friends. Stop listening to people who are gossiping. Stop complaining about certain things.

Start taking control of your life today. The same thing I did 12 years ago. The same thing I did when I said, you know what? I'm done. I went home and told my parents I'll never be in debt again. I told my family I will bring wealth into this family. And because of Ramsey Plus and because of every single thing that we're doing here, not only did it start with me, but now my brother-in-law, my sister are building wealth. Now my brother, a little brother, he's been well.

Now my family's doing well. It starts somewhere and it can start with you. This is The Dave Ramsey Show. Thank you. costs, whether they're anticipated or completely unexpected. For example, take the Olcheski family from LaGrange, Texas. Jeff and Carice had just celebrated the birth of a new baby boy. Shortly after, they had another expensive medical issue come up. They could have faced a huge financial setback, but thanks to Christian Healthcare Ministries, the Olcheskis were spared from a ton of medical bills. As members of CHM, they're part of a group of believers who financially and spiritually support each other.

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888-825-5225. 888-825-5225 888-825-5225 888-825-5225 If you have a question about your life, your money, or just want to have a conversation with me, give me a call. I would love to talk to you. Same way, I'm going to go out to Miami, Florida and have a conversation with Rick.

Rick, thanks so much for calling in, man. How can I help you today? Hi, how you doing, Anthony? Man, I'm doing good, man. How can I help you today? Hi, how you doing, Anthony? Man, I'm doing good, man. How can I help you? Okay, I'm currently on baby step number two. And right before the pandemic, I was putting extra money. I have a student loan.

Besides the house, it's my student loan. And that's all the debt I have. How much are your student loans? My student loan right now is at $57,000. Okay. And hello? Yeah, I'm here. I'm listening.

Hello? Yeah, I'm here. Okay. Okay, so I was putting extra money in there, my minimum payment to about $400 a month, and I was putting in an extra $400 to $600 a month. Good. I started doing that right before the pandemic hit, and so I stopped putting extra money into that and started putting it into my savings until things blow over.

In the meantime, I had stopped my 401K, but I started it back again when the pandemic hit while I was starting to put away the money, the extra money that I would have put toward the student loan. Should I have stopped the 401k as well? Yes, you're still in debt. So I recommend to everyone to stop investing into any type of investments while you're paying off your debt so this way you can invest more when you get out of it but let's rewind here uh rick how much money do you make a year right now what's your annual income i make about 80 thousand a year okay 80k a year all right cool on of 1 to 10, your job right now, is there a possibility you may lose it one,

or is it like you're good? I'm good. I'm a 10. I'll keep my job throughout this pandemic stuff. No, I don't think. I mean, we've been through the recession. I've been here 21 years. Okay.

So other than me making a major mistake, I don't think I'm going to lose my job. All right, cool. So that's a good thing. So right now, Rick, this is what I'm going to recommend to you is that no, you know, you do not invest into your 401k. I'm going to go ahead and stop. Now, here's the thing, Rick. I do not want you to pull money out of your 401k. What I want you to do is stop investing into it. And what I want you to do is start go back to investing into that four to extra $600 a month into paying off your debt. Okay. You have a good job. You said it's solid. You'll be good. And I like that. All right. I want you to focus on getting out of this $57,000 in student loans. So this way, when you do pay off your debt, you can go ahead and stock up a fully funded emergency fund for about three minimum to about six months. And then after that,

then we can go into your savings and start investing into your 401ks, save up to purchase a home, do whatever you want to do. But follow the baby steps. I mean, you're doing good right now. You have good income and a lucky future. So yes, go ahead and pause the 401k. Do not take nothing out until, never take nothing out, but just keep pause and then pick it back up on Baby Step 4. All right. Thanks for calling in, man. Going out to Mexico, we're going to have a conversation with Heidi. Heidi, thanks so much for calling in.

How can I help you? Hi, how are you? Thank you for taking my call. You're welcome. Thank you so much for calling in. How can I help you? Hi, how are you? Thank you for taking my call. You're welcome. Thank you so much for calling in. How can I help? I have a question about buying a car. Okay. I have a $1,800 car. I make about $5,000 to $6,000 per year. And so, like, I'm just wondering, when is it okay to buy a better car? I've been looking around at around $5,000 or thereabouts, and they are way nicer, those cars, already. More reliable, I guess, and in better shape. How old are you, Heidi?

I'm 27. Okay, 27. And you're saying you make about $6,000 a year? Yes. And you drive a car right now that is worth about eighteen hundred yes you're in a perfect spot for this car okay um you know making five to six thousand dollars a year let me ask you this question why are you only making five to six thousand dollars a year are you in school like what's the situation with

your income um that's the average income that the people around my area make okay if i move an hour from here i could make a little more but uh in reality that's what we make around here okay sounds good so here's what i'm saying uh is anything wrong with this current car that you have right now no it's working fine it doesn't look nice but it's working very nicely okay what's wrong with it not looking nice? I mean, I get you. I don't want to say or act like we don't want something nice, but help me understand if it's working perfectly, you don't owe anything on it,

what I would recommend you do is get your income up a little bit more, maybe get a little bit more, and then start saving. If you want something right around three i would say i'm not going from an 1800 car to a five thousand dollar car in mexico all right what i want you to do is go maybe from 1800 to maybe 3000 and then go from 3000 to maybe five six thousand dollars uh but i want to make sure that one you're paying for it cash. But do not worry about how it looks. You know, I drove an old school car. I mean, it was old school and has about 200,000 miles on it.

I still have it now. Before I purchased a nicer car, I drove that for a while. And I have no problem driving old cars. I actually still drive it into the office. And even some of my teammates be like, man, you still have that car? I sure do. It's driving. It may not look nice on the inside, especially with all the stuff, you know, cracking up.

But you know what? The engine still works and it's cheaper on gas. And so that's the main thing. But I do want to encourage you. If your dream is to get a nicer car, I want you to go after your dreams. But I don't want you to rush there simply because you want something that looks nicer. So my my advice to you is wait until you can get cash. Don't go from eighteen hundred to five thousand because your income is at five to six thousand dollars a year right now.

Go to maybe a three thousand dollar car and and pay cash for it so earlier today um our team gave me this question from emmanuel uh kind of a troll trove on twitter and he says dave ramsey doesn't seem to understand the modern world okay i feel like he grew up in the 1920s. It's literally impossible to get an apartment without a credit score. He grew up in a modern world. And this guy is saying it's impossible to get an apartment without a credit score. Well, Emmanuel, I won't say your last name cause I don't want to be rude. I won't put you out there like that, but you're wrong.

Okay. You're on two things. They didn't grow up in the 1920s. He's not that old. He's a young, sharp man, wiser than me, but he's still a young man.

And then number two, I purchased a home without a credit score. You can purchase an apartment without a credit score. You can purchase an apartment without a credit score. Now, will it require a little bit more, maybe an extra deposit? Will it require you to maybe do a little bit more research? Absolutely. But you know what? I did the research.

I was so frustrated of getting this complaint from a lot of millennials saying, you know what? I can't, I can't get an apartment because I don't have a credit score. So I have to get a credit card so I can have a credit score. I have to get into debt so I can have a score so I can get an apartment wrong. And I was like, you know, since y'all don't believe me, let me just try it. Let me just try it. You know what team? I want y'all to play this video when we go to break for the YouTube channel. I call 10, 10 apartment complexes here in Williamson County and in Nashville, Tennessee. And I say, no, let me just see. And I recorded myself calling the apartment complex. Not one of them told me. No. Now, did several of them did tell me, hey, yes, you may have to put down your first last and extra month deposit absolutely but here's the thing if you follow our teachings we teach you to set aside three to six

months of expenses for emergencies well get an apartment is an emergency so you will be able to pull the money out of there to put down towards your apartment i think the problem is people don't want to put in work. People are lazy. You're scared. No, you can do it. So Emmanuel, two things wrong. Dave is a young man, sharp man. Works harder than me.

Didn't grow up in the 1920s. Two, you can get an apartment. Just go to youtube.com for slash Anthony O'Neill and you'll see you can. YouTube channel. Y'all stay tuned and check this out. This is The Dave Ramsey Show. Most people's money problems come from not paying attention.

That's why before I spend a dime of my money on something, I do the research and I make sure it's going to live up to what it claims. Recently, I got a great pair of sunglasses from a company called Shady Rays. When you're looking for sunglasses, it feels like your options are limited. Name brand sunglasses cost too much. Shady Rays The best overall value in sunglasses. They also replace your shades with a brand new pair if you lose or break them from day one of your purchase. Plus, they offer an exclusive for Ramsey Show listeners. Right now, you can grab most polarized pairs for just $28 at ShadyRays.com with the promo code DAVE to get $20 off your first pair of Shady Rays. 888-825-5225. 888-8 825 525

I want to have a conversation with you about your life about your money and the phone lines we have one line open so get in here real quick and we'll get you in going out to Hastings we want to have a conversation with Oprah that is a nice name okay Oprah how are you

okay it's Opal. Opal. Spell it for me. O-P-A-L. Okay, Opal. Okay, okay, okay. Nice, nice. I was about to say, Oprah is on the phone.

Okay, Opal, how can I help you this afternoon? Okay. Anthony, I am going to be inheriting approximately $200,000. Okay. And this is all I have. I don't have any savings. I'm going to be startingiting approximately $200,000. Okay. And this is all I have. I don't have any savings. I'm going to be starting a new job on Monday that's going to make me about $44,000 a year. Okay. And I'm 59 years old and I just want to do what's right. I, you know, for my future, I'm wanting to purchase a house for about $150,000. Okay. So do I pay out, do I pay up front for the

house or do I put a big down payment on it and make payments? Um, do you have any debt right now? No, I do not. So you have no debt. Okay. Outside of, you say you don't have any savings, so no debt and no savings. Okay. Um. All right. No debt, no savings. So let me ask you this question. What, what, where do you see yourself as far as in these next five years?

Cause you're 59 years old right now. And so you're in a, you're, you're in a good season of your life. A very healthy wise season of your life. Buying a house. How much is the house again? About 150,000.

About 150,000. Okay. And you have $200,000 coming in. You're making $44,000 a year. You know, you have two options. Can you go and pay cash for the house? You could. But here's another option that I really want to talk to you about. Like, well, maybe you put down 50, 60% and you sit down with a financial advisor and start investing some money into, you know, like a Roth IRA. Start investing into your future retirement. So that way you're not working for the next 30, 30, 40 years, especially the next 15 years while you're, you know, while you have this mortgage, if you go that route. But in your situation, I would definitely say I would want you to sit down with one of our financial advisors so that we can figure out how do we get you into the house?

But then also, how do you start investing into your future? Okay. You know, but here's the thing. If I was you, this is what I'm going to do.

I'm going to make sure that I have three to six months of my emergencies in the savings account. So I'm going to do. I'm going to make sure that I have three to six months of my emergencies in the savings account. So I'm going to take that from the $200,000. So whatever that cost is, whatever it costs you to live in that with your season of life, I'm going to say I want you to have six months. So I'm going to subtract that from the $200,000. And if you want to spend the rest of that to purchase a house, that's fine. Here's the thing. Your yearly income,

you really have to start investing the 15% and talk with a financial advisor and see how you can maybe invest a little bit more so you can get ahead of the game a little bit with your season of life. Does that make sense? Okay. And yeah, that does make sense. So how long do you think I should work? So I worked on 65. that was always going to be my retirement date. Or should I work until 67? You know, right now, you know, Chris Hogan, who was our retirement financial wellness expert, he says this, which I totally agree with him. Retirement is not a number. It's your dream.

So you've got to ask yourself. You need to write down a vision and ask yourself, where do you want to be at 65? You know, if you ask Dave right now, where does Dave want to be? Dave is going to say he's still going to be doing a Dave Ramsey show until he's 70, 75, until he can't talk anymore. So there's really no age number, America, when it comes to retirement. All right. It all goes down to what's your goals? Where do you see yourself at 65? Will Anthony O'Neill be working at 65? No, but I don't work at 36. I love what I do right now. This is a

I wake up every single day looking at this as if this is my assignment. This is my calling. Now, would I be doing office stuff at 65? No. Will I be doing it at 55? Probably not. You know, but you got to ask yourself that question. How much do you want to retire with? Then you got to step back and say, all right, how do I close that gap? If I want to retire and I'm making $10,000 a month, $5,000 a month, $2,000 a month, what do I need to do from today to get to that number in the future? And whatever age that is, that's your goal, man. That's such a great, great, great question. But you know,

you got to be a good steward with the income. $200,000 is absolutely, that's good money. You know, I really want to make sure that you are wise with that. Speaking of that, we just talked about the agents and our financial advisors. I want to definitely mention this here. The main difference between houses that sit on the market and houses that actually sell are real estate agents who knows what the flip they're doing. That starts with you knowing the value of a good real estate agent. It's worth it to find an experienced agent who cares about getting you 100% of your home's worth. Okay? That's why we endorse here at Ramsey Solutions the top agents across the country. Our endorsed local providers.

So it's easy for you to find a quality pro to help you win. Never again settle for okay agents. Get your home sold or buy a home for what it's actually worth. I want you to visit Dave Ramsey, DaveRamsey.com forward slash agent, DaveRamsey.com forward slash agent to find an agent I recommend. We all recommend in your area. Going out to Olympia, we're going to have a conversation here with Romia. I think I said it right. Ramona. Ramona. Hey, good afternoon. How can we help? Hi, thanks so much for taking my phone call. My question for you is how do you set boundaries between work and family without feeling guilty, but also paying off debt? I'm 20 years old, and I have a 2-year-old,

and I feel like I'm working so much that I don't spend time with him, and he's at the age that he has to absorb everything. But I'm also, like, I hate having this debt over my head. So I'm like, I'm just going to work and pay it off, and we'll be able to remember it later. How much debt do you have right now, Ramona? $27,000. $27,000.

Is that a student loan or is that a car? What is it? Two of them. It's two cars and some of it is a credit card and then also medical debt. Wait, wait, wait. Are you married? No. So why do you have two cars?

I was dumb and bought a car for a boyfriend. You did what? I know. You bought a car are you still with this boyfriend yes yes it was my thinking at the time was okay you need transportation to take our son to and what kind of car did you buy him this is the worst part it's a Hyundai a Hyundai and what are you driving a Hyundai

y'all got just two Hyundais in the okay alright alright alright alright alright you made that decision you know if Dr. D was still here on the show with me, he would tell me, Anthony, be kind. So I'm going to be kind. But that was a bad decision. And I think you know that. Correct, Ramona? Yes. Lesson learned 110%. Yes. Yes. Yes. Yes. All right. So we have two cars. We have a couple of credit cars, $27,000 in debt.

How much do you make a year? About between $40,000 and $45,000. $40,000 and $45,000. And I got to ask this question. Do you and your boyfriend live together right now? Yes. I figured. I mean, yeah, I really figured.

Okay, all right. This is what I want you to do. We're going to, we're going to actually hold this until we come back from break. Cause we got to go to break. And I want to finish this conversation and dive in a little bit deeper and really help you walk you through this process. All right.

Because I care about you and I care about your boyfriend and I care about your baby. So I want you to sit tight and we're going to have this conversation when we come back from break. Okay? Okay. Thanks. All right. Thank you. before we went to break started a phone call conversation with Ramona and uh I wanted I wanted to hold her on because I really wanted to dive into this and really answer her question to help her out.

And before we went to break, Ramona revealed that she is $27,000 in debt. Two of them are two cars. One is her car. One is her boyfriend's car and has a couple of credit cards. She is trying to really find a balance on what do I do from here. I want to be a good. Sounds like she wants to be a good mother. Correct me if I'm wrong, Ramona, but you want to be a good mother. You want to be a good sounds like she wants to be a good mother and correct me if i'm wrong ramona but you want to be a good mother um you want to be a good girlfriend and you want to um you know

do the right thing and one thing that i was really thinking about this over the break was you have a good heart you know would you agree you have a good heart yes yeah i could tell. It seems like you put everyone before yourself. Let me ask you this question. Why, if you bought him a car and you all are living together and you guys have a baby together, where is marriage at in this picture? Are you all talking about marriage? Is it a conversation? Where are we at with this? How come you guys are not married? So, yes, marriage is in the picture, but I am a type 1 diabetic, and my pump supplies and my insulin is very expensive. And since I am covered under my parents' insurance, that's kind of what's keeping us not from being married, because if I got married, I would get cut from their insurance, that's kind of what's keeping us not from being married. Because if I got married, I would be, I would get cut from their insurance and then that's the extra couple thousand

dollars a month I'd have to pay just to survive in a way. So that's kind of what's keeping us back until I get, I hit like 26 or until we both can get really good insurance that would cover it. Because right now I get it for free. Okay. Here's the thing. I can understand that. I can really understand that.

Here's my problem, though. You guys are acting like marriage and you're adding this extra stress onto your life right now. And so here's, and I want to make sure I'm answering your question before I give you some other advice to give me your question so I can make sure I'm specific with that. And then I want to give you some other things that I want you to say, you know, step back and pray on and consider, uh, within our time today, but what's your question for me so I can make sure I answer that. Okay, so, yeah, my question was how to set boundaries between work and family without feeling guilty but also being able to pay off debt.

Yeah, yeah. You know, that's a good question. You know, Christy Wright, she does a lot of things with ladies, and I definitely want to encourage you to follow Christy. Go to ChristyWright.com. She has a brand new show out. She'll bless your life. But she says something that I that I agree with. She doesn't agree with balance.

She agrees with priorities. OK, and so I think what you have to do is step away from your boyfriend, step away from your baby just for a little bit and keep your eyes on the baby. But don't worry about your boyfriend. Don't worry about your family. Don't worry about your family. Don't worry about no one else. I want you to write down what are your priorities right now. Okay. And right now your number one priority should be your,

your baby. That's your number one priority. Number two is providing for you and your baby. Here's the key word there. You and your baby. Okay's the key word there. You and your baby. Okay? Your boyfriend sounds like he's a good guy, but right now he doesn't need you to provide

for him. You have to write down your priorities. And so this way, every single day when you wake up, you're going to make sure that your baby's okay. Every single day after that, you wake up and your baby's okay, then you're going to go to work and you're going to provide for you and your baby. do you have a son or a daughter a son okay so you're gonna go and provide for your son um and what i love about you is that you're saying you

know what i want to pay off this debt i'm 20 years old i don't want to have this debt because i want to be able to provide for my son i want to be able to provide a better life for my son. And that is a great thing to have. But right now, what you have to do, Ramona, is dig deep down and you have to put what's best for you first and your son first, not your boyfriend, not your family. And I hear in your heart that, you know, I heard you say it earlier. Well, you got to you got to get to work so you can provide for for your son. That wasn't your responsibility to help another man take care of his responsibilities, which I love your heart. But he should have said, you know what, I need to do this for my son. And I'm not knocking him at all because I don't know him.

And if you're with him, sounds like a good guy. But I definitely want to consider that. And then two, let me ask you this question. You may not like this, but what would happen if you told your parents or your family that you want to move out of the house that you and your boyfriend are in and move back in with them to save money and to get some help? Is that possible within your situation uh that's where we're at right now actually actually i live we live in a bedroom um in my parents in my dad's house so and how come you how come your your boyfriend is with you at your, at your parents' house. He can't go to his parents' house. Um, no, they're, they're not very,

they're in and out of jail and, and do drugs. And he was living with his aunt, but his aunt kicked him out, um, for drugs. So. I got you. I got you. Well, I'm not going to dive too much into that. You know, my spiritual beliefs, I don't believe that man and woman should be living together before they are married. You know, that's just my spiritual beliefs. But I definitely want to respect where you are. You know, I want to help you with your question.

And that's what I want to do here for you. So, number one, write down your priorities. Okay. Your priorities, it sounds like it's your son. It's you. It's getting out of debt. All right. Don't worry about anything else right now.

Make sure that you focus on getting those things out. And honestly, I would even sit down and have a conversation with your boyfriend and say, you know what, if we're moving forward, we need to have a clear vision of what we're doing, where we're doing and put some timelines on it because you all need to, I believe, go ahead and get married and get inside of your own house. But I totally understand what your medical issues. So, you know, Ramona, I appreciate you for calling in. And you know what? This is what I wanted you to do, because I really want to get you connected with Chrissy Wright. I want you to stay on the phone. And I want Kelly to send you a book of Chrissy Wright's Business Boutique. It's going to even help you generate some more income. But I just really want you to get familiar with Chrissy Wright

and what she's doing for ladies. And I think that you will learn a lot from her. So definitely, definitely, definitely stay on the line and Kelly will get that to you. You know, I really try to be sensitive and safe with some of the things that I say on here because, you know, my spiritual beliefs are one thing. I'm definitely not a perfect guy,

but I definitely do believe that two people should not be living together. And this is taking away spiritual stuff. The practical, you're adding on more stress, you're adding on more bills. That is unnecessary. And then in this situation, it's scary because if he walks away, now she's stuck with two cars because he has the right to walk away from the relationship.

And this is not the first time we've received these phone calls. I have single people moving in and buying homes together. And then a guy gets upset or a lady gets upset and they decide to leave now one person is stuck with all the mortgage there's a reason why married people there are certain privileges uh when you're married because two become one it makes no sense for two to still be two in one house okay and so i definitely want to encourage you to america reconsider that. That's something that I'm talking about on my YouTube channel. If you go to YouTube dot com for slash Anthony O'Neill, one of the main reasons why I have a huge passion talking to millennials, a lot of people say, well, Anthony, you always say you're talking to millennials.

What about us? You know, wiser, older people, individuals. And that's fine. I'm here to talk to you too. But I really want to make sure that I'm talking to that 18 to about 34, 35 years old individual because that was a season that I made a lot of mistakes. 19 years old, I'm in debt. I'm homeless, sleeping in the back of my car. 20, 21 years old is when I had my never again moment. 23, 24, I'm really starting to pay off my debt. And I'm doing a lot of research to figure out, hey do i become wealthy how do i start a business and a lot of

things that i was researching and learning were actually bad stuff you know then i started learning more about dave ramsey and so this is why we are here because i want to make sure that I'm helping young people from across the world. So go check it out. DaveRamsey.com forward slash Anthony O'Neill. I want to thank our producer James Chow and our social producer Kelly Daniel on the phone lines. Remember, the caliber of our financial

future will be determined by the decisions we make today. This is the Dave Ramsey Show. product or service and didn't have a chance to write it down, don't worry. We list everything you've heard about during this episode in the podcast show notes section or head over to DaveRamsey.com and click Dave recommends.