You're listening to Ramsey everyday millionaires or we talk retirement building wealth and outrage just generosity.

All right, let's go to Laurie and Kansas City, Missouri. Hey, Laurie, what's going on?

Hey, guys, first I just want to tell George congratulations on becoming a personality. I'm really excited for you.

Thank you, Laurie. You're the first one to do that. And Laurie, let me into the bars pretty low. That's true. I mean, but I appreciate that. Thank you so much.

I think you're both great. So I have a weird dilemma. I bought my house last year and cash. So I think I'm technically baby 67.

Heck yeah. What do you mean you think you're either a millionaire or not? Are you a millionaire?

No, not yet. But she's on baby steps. She's got to pay four house. All right, you bought a cash because you're a baller. Yeah.

That's incredible. Yeah. So I'm still behaving like I'm in baby step two and I'm afraid to spend my money.

And I'm afraid of making the wrong move. I say like I have to say for them because I'm still saving for my daughter's college.

Sure. I got that on my radar and then I own a home. And so now I want to fix my sense because it doesn't work.

And then I know I have a roof that I have three to five years left on it. And then I have a car that has 217,000 miles. The logic tells you any day might start to go out on me.

Who's got to fall in? Yeah. I'm just hoarding my money right now and I won't spend it. So I'm hoping you can help.

Lori, who taught you this? Who taught me the word? No, somebody taught you two things. Number one, it's all coming down at any moment. Be ready.

And someone told me somebody taught Lori, you can't trust yourself. Who taught you that?

Myself, I guess. Come from you. You taught yourself that? Well, maybe in my parents. There we go. So here's the thing.

Trust Lori, it's not all coming down. You just paid for a house in cash. How did you even do that?

Couple of hard. I became that free December 27th and then I just kept saving. I mean, that was the same mentality that cost me to pay for the house and cash.

I didn't trust myself to buy a home and what if I lose my job and all these. You didn't do it out of fear. You didn't do it out of excitement to pay for house and cash. You did it out of fear.

I did. Well, the end result is good. The result is good. So what is your household income? I'm just curious.

My gross is 64,000 now. So you have 64,000 gross and after taxes, you get to keep every single penny, right?

Yeah. And I should also confess that I still do a side hustle. And it's crazy because like all my money from my full time job goes into one thinking town and then my side hustle money is actually what I'm living off of.

Whoa. When I don't need to. So can you cash flow all of these repairs?

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