How To Be Intentional in Baby Steps 4, 5, & 6

Ramsey Everyday Millionaires

Ramsey Network

Investing, Careers, Business

4.6 • 3.6K Ratings

🗓️ 13 June 2022

⏱️ 6 minutes

🔗️ Recording | iTunes | RSS

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Summary

Listen to how ordinary people built extraordinary wealth - and how you can too. You’ll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible! Featuring hosts from the Ramsey Network: Dave Ramsey, Ken Coleman, Rachel Cruze, John Delony, and George Kamel.

Transcript

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0:00.0	you're listening to Ramsey every day millionaires where we talk retirement building wealth and outrageous generosity.
0:12.3	Mike is with us in Philly. Hey Mike welcome to the Ramsey show.
0:17.2	Thanks Dave. Happy that you took my phone call and thanks for giving me the tools to really change my life. I really appreciate it.
0:25.6	Monard how can I help? So I'm on baby steps four five and six and ever since I paid off my debt and it got my full emergency fund.
0:39.0	I'm saving up for a house but the last six months I've been going over budget and I just feel like I sort of lost that gazelle intensity.
0:51.5	Regarding my budget and expenses and I just want to know if you had any tips to help me sort of get back on track.
1:01.9	Mike what motivates you to succeed financially? What gets you excited whenever you think about saving and money?
1:11.3	I don't know I guess just the idea of living free and being able to do what I want. I mean I was under so much pressure from debt for so long and so like such a big part of my life.
1:26.4	That like this it's the sense of freedom that's been really my you know I guess my passion or my.
1:38.3	I mean I'm 37 what do you do for living? I work in full answer P.
1:46.7	So you're a development guy? Yes okay cool.
1:53.4	Well one thing one clarification once you're in baby steps four five and six we don't teach gazelle intensity.
1:59.7	We say move from intensity to intentionality but even that you're violating because you're going over budget.
2:06.0	You're not being intentional because you're not doing with your money.
2:09.4	Your money's not doing what you want it to do because you're goofing up.
2:12.7	That's what you're telling me so even that you're not being intentional because you're not living on your budget so that you can.
2:21.4	By the house right now is your budget too tight?
2:26.5	It probably is are you single? Yes are you a saver or a spender by nature?
2:35.0	I used to be a spender but I think I'm become a bit of a saver.
2:40.2	Except that part where you fell off the budget and didn't save.
2:44.8	Yeah well I mean I'm still you know it should be perfectly honest I'm still putting money into my retirement account.
2:52.7	That's just you should be.
	...

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