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And let that be a rocket ship for you professionally. What is your total debt load look like? Second. Currently, I have $23,000 in student loans over the course of, the 3 years and some change. I was work I ended up working full time. I got married while I was in college and got into the workforce because experience in engineering matters. And I wanted to have some experience while I was in school. So now I'm trying to just round it out and and get to that accredited engineering position. So what do you make now? Right now, I make about 68 to $69,000 a year. Right in that range. Cool. And you have no other debt other than the student loans? We have a mortgage of about 1200 a month. Okay. All inclusive. Yep. And your wife is at at home with the 1 and a half year old? That's right. Mom's staying at home, and I'm working a second job to pay off the student loans. So would you continue working full time while doing this program nights and weekends? Yes. I would actually be a fully remote student to finish out the work that's left, because all of that is actually available, for me as a remote student. So there'll be no dip in income? No dip in income apart from figuring out how to pay in advance the course work required. Yeah. I mean, I I I would figure that out ASAP, and I would how how much do you lack? I'm about 70% there, 75% there. So what would it how much total is this gonna cost you? Probably around $15,000 given the estimation that the university provided me with my current plan. Grand, and they're gonna reimburse 5 total? My company will cover a 100% of tuition year on year up to the federal tax limit, which is $55100 a year, approximately. Okay. So what if you covered the difference with cash and you were able to still do this? How quickly could you save up the difference to get through this 1st year and then save up the difference for the next year and be done? I could probably keep
And he's her daddy now. And she lives she lives with y'all. Right? Yes. She does currently. Yes. Yeah. She, you know, his relationship to her is more important than 33 freaking acres in Texas. Okay. I just I I just don't. You know, I I I would give him about 20% part of the right answer here and a and about 80% wrong so he loses. I feel like I feel like a different scenario would be you guys were fifty five years old. It was your second marriage and the kids are grown. That feels different. Situation with saying, Hey. But you're contributing, you know, the vast majority you're you're contributing half with the sale of the house and the building of the house and your income for 40 years from age thirty five to age sixty five or to age seventy five. Right? And you're you're contributing half all the way through there And so how your daughter doesn't get into that half is ridiculous. Okay. The the from a math standpoint, from a philosophical or spiritual standpoint, it's just a stupid piece of dirt. I don't really care where it came from. I mean, I've got some dirt that I own that I really love, and I'd like to see my kids and grandkids playing on it for my great grandkids, my great, great, great, great, grand when I'm looking at them from heaven. I'd love to see them playing on that and enjoying that dirt, but I don't want it to form their life. And I don't want them to value that dirt over relationships. Yeah. Yes. Yes, sir. Yeah. I just I I I so I don't buy off on the sentimental crap. You you know, if you I I got, you know, uh-uh, some hand tools from my dad. Okay? That's sentimental. Okay. They're ancient antique hand tools. Right? And so those are sent
And a great guy. He's gonna be with us on the cruise. Monique Shohan from, the Food Channel, world class chef, winner of Iron Chef, and a whole bunch of other things. And she's become a friend in the last few years. We've done several events with her. She was at an event I did that we did just the other day at one of our one of our VIPs. Oh, yeah. Yeah. But, man, the food when she she's going to cooking demonstrations, all kinds of fun stuff with Monique Chohan. Dina Carter, country music star extraordinaire. I don't know how many Grammys or whatever she's got, but, she's a big deal. Been around Nashville forever. We're bringing some of the, country music, songwriters. We're gonna do songwriters nights. And these 2 of the guys, Wynn and Phil, are they've written some of the biggest hits out there, like Wynn wrote, Waiting on a Woman. Oh, yeah. Yeah. Little little little little song that Brad Paisley did. And, so these guys are gonna be on there with us. It's got it's incredible lineup. We're gonna be talking and doing events and doing, sessions all week, and we're gonna play together, and we're gonna, splash in that blue water together. Top of all the normal world class cruise entertainment, and we're bringing stuff on top of that. Yeah. Well, it's our cruise ship. I mean, they're gonna have their little dancing people and all that, but but, I mean, they're gonna have their normal thing. Right? But we're gonna do our dog and pony show, baby. This is it. Ken Coleman and I are gonna do a little routine How are you? Out there. Yeah. We're working on a little Little little banjo. It's kind of an Irish jig. Oh, please don't. We'll save that. We're gonna I'm I'm gonna veto that. But we do have, world class magician and comedian, Nate Barghetti's dad, Steven Barghetti's gonna be joining us. He's a hoot. He's amazed. That's how Nate got funny. You've seen him open for Nate. Yeah. He gets it from him. And then Carolyn Xavier, a hilarious comedian, who even Dave was Oh, man. I well, I was the one who recommended her for this because Recovering California. Yeah. Recovering Californian. She makes fun of the South and tells Californians, like, this is a stick of butter. They use the whole thing when they cook and stuff like that. Right? So she's funny as card I love her. This is gonna be great, y'all. It's gonna be March 22nd through 29th, so about a year away. A little less than
Dollar. You understand what I'm saying? Yes. I understand. But in the meantime, obviously, and that's probably gonna be a year before you hear from them on that. Okay. So we're gonna put that repo, as nasty as it is, in the back of your mind, and try to get to work and get your current life straightened out as fast as you possibly can here. I I think that's what's gonna matter is what Jade said. And because the way you feel about yourself and and the sense of desperation, the knot in your stomach and knot in your throat, I've been there, man. It's no fun. It's terrorizing, terrifying. And so, yeah, I I I, you know, I want you to get some cash coming in that place, then go get you a little beat up car that's reliable and get you your life started back, and then pile up some cash to get ready for when they come at you later on this. This is the Ramsey Show. Hey, guys. It's Rachel Cruze here to tell you about a faith based alternative to health insurance that can make health care more affordable, Christian Healthcare Ministries. CHM allows members to share each other's health care costs, and it's as easy as 1, 2, 3. Step 1, choose the health care provider you want. Step 2, submit your eligible bills. And step 3, get reimbursed. CHM members take care of your eligible medical bills. With no network and the freedom to choose your health care provider, CHM is the best option for Christians who wanna take care of their families and help other believers. Find out more at chministries.org/budget. That's chministries.org/budget. Jay Washoe Ramsey personality is my co host today. Thank you for joining us, America. We're glad you are here. Open phones at 888-825-5225. Jay is with us in New York City. Hi, Jay. How are you? Hi, Jay. I mean hi, Dave. Hi, Jay. How are you doing? Doing good. Good, man. Good to have you. How can we help?
At this point, listen. In the in the economy Or start something. That's what I mean. By starting something off of a skill. So Oh, I see. I see. In my father in law's case, he started his own home renovation business, and he's not he's not doing full rebuilds, but he's doing a lot of stuff. Not swinging a hammer. He's he's subbing. He's got a crew. He's subbing it. Yeah. You know, he's been still being a GC in that shit. That's exactly right. That's exactly. That's the way you do it. So there's a lot of stuff. So, Joy, there's 2 things. 1 is, what can we do to get your income up better, quote, retirement jobs, unquote, and get with the SmartVista Pro, and let's see how if they can help you get that 140 working a lot harder. Those two things together, and you guys stay on a tight budget, and I think you're gonna be okay, but I don't think there's gonna be anything here that adds a $1,000,000 to this issue. Yeah. This is the Ramsey Show. If current times have shown us anything, it's that the least expected events can and will happen, and we have to deal with it. That's why everyone who has a family counting on them needs term life insurance. For over 25 years, the only insurance company I've recommended is Zander Insurance. Not only because they search all of the top term life plans to find you the best rates, but over the years, they have constantly changed and updated their systems to make the whole process simpler and easier to get the protection needed. You can now apply with a completely touchless experience with everything being done either over the phone or the Internet. They also have plans with super competitive rates that don't require an exam, allowing you to skip a step and get the coverage you need faster. Go to xander.com or call 800 356-4282. Great rates and a simple process mean there's no excuse to not get this done, people. Ken Coleman Ramsey personality is my co host today. Open phones at triple 8 825 5225. So
