We’re Bored In Our Financial Situation

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5 • 839 Ratings

🗓️ 23 October 2025

⏱️ 6 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today. I'm Ashley.
0:08.0	Hey, Den Theater. My name's Jim. Hey, Jim. Jim. That's Jim. You do voiceover work? I have done that
0:15.4	in the past life long, long time ago. Okay. Well, you haven't lost it, pal. That's his side gig.
0:21.5	Very excited.
0:22.2	Okay.
0:22.4	What's your question, Ashley?
0:23.8	So we're in Baby Step 4, 5, and 6, and we're just kind of like feeling kind of stagnant.
0:30.0	Like, it's kind of boring.
0:31.6	I mean, I'm happy that we're here, but, and we're able to invest a 15%, and we are saving for college, but we're just not
0:43.2	finding every single time we have any extra money, we can't put it toward our mortgage.
0:48.2	It's like, we have a plumbing issue, or we need a new car, which was a $5,000 car, just so you know. You know, so it's just, it's just been really difficult in this kind of phase because, like, we got out of debt really quick and we saved our emergency fund really quick. And now we're just like, okay, let's move it. I really want to pay off the house.
1:12.2	Like, I want to walk in the grass.
1:12.9	Yeah.
1:14.2	How many kids do you guys have?
1:15.0	We have two.
1:15.7	How old are they?
1:19.7	Yeah, we have a 13-year-old son and we have a seven-year-old daughter.
1:20.9	Okay, okay.
1:24.6	How long have you guys been in babysubs four, five, and six?
1:27.5	About a year and a half.
1:28.3	Yeah, okay. Yeah. Because I do think we have this picture of, because the steps are so succinct, that everything is just going to go up like this, and we're just going to keep going and going and going, and it's going to be great. But the truth is life happens. You're in it a year. on average, I think our millionaire,
1:45.1	from our millionaire study, nine years,
	...

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