It's Thursday, and this is the Ramsey Call of the Day.

Part of the Ramsey Network.

Joining me today is Ramsey Personality Anthony O'Neill.

Orlando is on Instagram.

I'm only 15, Anthony, and I don't have any debt.

But I'd like to create passive income now instead of later.

Do you have any ideas on how I could do this well first I'm

really excited you don't have any debt because if you were 15 with debt well that would be scary

two for a 15 year road I'm not really focusing on passive income I'm working on securing and

developing a solid foundation for my future. And I think oftentimes this younger

generation of high schoolers coming up, they keep hearing this word passive income, have multiple

streams of income, but no one's teaching them how to start off correctly. And so the key thing

I want to tell you, man, focus on identify if you're going to school. If you're going to school, make sure you come up with a game plan to go to school, 100% debt-free and graduate the way you walked into it, debt-free.

And then after that, just start following the babies that we teach.

Now, I don't mind you having different streams of income and generating some stuff down the road.

But what's the point of creating a lot of income if you also accumulate a lot of debt?

So avoid that.

Yeah.

It's a pretty sophisticated question for a 15-year-old.

Here's the thing for everyone out there.

This phrase has grown in popularity in the last few years, passive income.

Now, that would be as opposed to what?

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