Latest / Ron Verb / The Ron Verb Show - 4pm Hour - Friday, 08/14/26

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The Ron Verb Show - 4pm Hour - Friday, 08/14/26 · Ron Verb

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  Speaker 1: For more information, visit KeystoneBlind.org and click Shredding. Hey, is
• 0:28
  Speaker 1: your roof leaking? And Talk Station 570 WKBN. And Ron
• 0:33
  Speaker 1: Verp from the Kingdom of Mahoning, News Radio 570 WKBN.
• 0:36
  Speaker 1: You're on the air. All right, boss.
• 0:39
  Speaker 2: What do you need?
• 0:41
  Speaker 1: All right. When I was talking with the real estate guru,
• 0:44
  Speaker 1: Kelly Warren, I was talking about young people and being
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  Speaker 1: in debt and all this kind of stuff. And I
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  Speaker 1: said to Kelly Warren, I said, the best story, folks,
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  Speaker 1: the best story I've ever heard about somebody being in
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  Speaker 1: debt and getting out of debt was told to me
• 1:02
  Speaker 1: by the guru of Gerard, by Miguel from Gerard, who
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  Speaker 1: had the absolute best story that I think is worth
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  Speaker 1: telling again. And this is how– because I always say this.
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  Speaker 1: My dad always said when you're in debt, you're a slave.
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  Speaker 1: Debt makes you a slave. So the best thing you
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  Speaker 1: can do is to get out of debt. You don't
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  Speaker 1: want to have debt. Like a lot of the financial
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  Speaker 1: advisors would tell you, oh, you don't want to pay
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  Speaker 1: your house off right away. No, you want to get
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  Speaker 1: it behind you so that you theoretically own it other
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  Speaker 1: than the taxes. You want to get out of debt.
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  Speaker 1: You don't want to– You don't want a six-year car loan.
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  Speaker 1: You don't want a 30-year mortgage. You don't want to
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  Speaker 1: owe a bunch of money because it's just– you're a
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  Speaker 1: slave to it. Would you agree with that statement, first
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  Speaker 1: of all?
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  Speaker 2: Totally.
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  Speaker 1: All right. So now I want you– and you were
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  Speaker 1: extremely honest with me several years ago. I want you
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  Speaker 1: to tell people where you were several years ago financially
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  Speaker 1: and and Dave Ramsey and what you did and how
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  Speaker 1: you did it to get to where you are today.
• 2:18
  Speaker 1: All right, now go.
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  Speaker 2: Yeah, well, you know, I was making a fair amount
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  Speaker 2: of money and stuff and I was at a point
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  Speaker 2: in my life where I had went through like a
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  Speaker 2: bad relationship and everything and then I finally met a
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  Speaker 2: wonderful girl and wanted to have a family and everything
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  Speaker 2: and And she was finishing school, and we bought a house,
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  Speaker 2: and we had to get cars. And I don't think
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  Speaker 2: at that point they were brand new cars, but, you know,
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  Speaker 2: they cost money. And before we knew it, like, all
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  Speaker 2: said and done, I ended up going over $ 300, 000 in debt.
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  Speaker 2: At what age? At the age of five. 35, 36,
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  Speaker 2: possibly 37. All right.
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  Speaker 1: So you, you owe $ 300, 000 and then pick it up
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  Speaker 1: from there. So you're, you, you're making good money, but
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  Speaker 1: it's all going out to all these payments.
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  Speaker 3: Yeah.
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  Speaker 2: Uh, pretty good money. Yeah. And, and so I was,
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  Speaker 2: you know, riding back and forth and it's about the
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  Speaker 2: same time I was first hearing you and stuff too. Um, um,
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  Speaker 2: riding back and forth to Cleveland and Pittsburgh and stuff
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  Speaker 2: doing work and, Coming back, and I heard Dave Ramsey
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  Speaker 2: on the radio. He goes out of Pittsburgh, and he
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  Speaker 2: was talking about the snowball effect and how you get
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  Speaker 2: out of debt and how nothing, debt isn't worth it
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  Speaker 2: because just what you said. It's like you're a slave.
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  Speaker 2: Think about it. I want to buy something. I'm going
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  Speaker 2: to buy something on credit, and then they're just going
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  Speaker 2: to tack on 6%, 10% or something that I pay
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  Speaker 2: more for. Just for what? That I couldn't wait to
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  Speaker 2: buy it. You know, I mean, and so if things
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  Speaker 2: are like that, you know, that's the first thing you do.
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  Speaker 2: You just stop. Just like the United States government needs
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  Speaker 2: to do right now. Just stop spending, you know, on
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  Speaker 2: things you really don't need to survive.
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  Speaker 1: So you, so go ahead. You're listening to this as
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  Speaker 1: you're driving along.
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  Speaker 2: Yeah. And I decided, I go, that's good. I'm so
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  Speaker 2: tired of living like this. I mean, it was just, yeah,
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  Speaker 2: you just live in, you're just handing over your money,
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  Speaker 2: all these bills and everything and, And when you want more,
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  Speaker 2: you just think, I'll just borrow more. You know, it's
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  Speaker 2: just crazy. And so I said, I'm going to do this.
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  Speaker 2: And I started, I listened to the snowball effect. What
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  Speaker 2: is the snowball effect? The snowball effect is start with
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  Speaker 2: your smallest debt and pay it off. And then use
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  Speaker 2: the extra money that you just saved from paying that
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  Speaker 2: debt off. to pay off the next one, pay off
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  Speaker 2: the next one, pay off the next one and pay
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  Speaker 2: off the next one until you finally one day call
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  Speaker 2: in and say, I'm debt free. And we have a
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  Speaker 2: party on radio for you and everything. And that's when,
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  Speaker 2: in my opinion, that's when your life begins.
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  Speaker 1: But you don't, but also the key was you stopped
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  Speaker 1: spending other than on absolute necessities.
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  Speaker 2: Oh yeah. I'm driving like my mom's old car. Cause
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  Speaker 2: she got a new one, you know, uh, Stuff like that, like,
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  Speaker 2: you know, not vacations. We bought an old house, and I'm, like,
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  Speaker 2: fixing it up by hand, like, you know.
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  Speaker 1: Stand by. This is the best story about how a
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  Speaker 1: guy got out of debt for $ 300, 000. You'll want to
• 5:36
  Speaker 1: pay attention back in a minute. News Radio 570 WKVN.
• 5:43
  Speaker 4: One person was seriously hurt in a stabbing outside the
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  Speaker 4: Columbus Metropolitan Library Northside branch just after 2.30 p.m.
• 5:50
  Speaker 1: Yesterday.
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  Speaker 4: The victim was transported to the hospital in critical conditions
• 5:54
  Speaker 4: and no additional details have been released. Meantime, three Cleveland
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  Speaker 4: men are facing 117 criminal counts for allegedly stealing 55
• 6:02
  Speaker 4: ATVs and dirt bikes across seven states. Grand jurors say
• 6:06
  Speaker 4: that over four and a half years, the men would
• 6:08
  Speaker 4: use fake Facebook accounts to find the bikes, lure sellers
• 6:12
  Speaker 4: to Cleveland, hand them a bank envelope filled with counterfeit money,
• 6:15
  Speaker 4: take a test drive, and then never return. And the
• 6:18
  Speaker 4: Ohio Department of Natural Resources is hosting Free Range Day tomorrow.
• 6:22
  Speaker 4: This means all of ONDR's public shooting ranges will be
• 6:25
  Speaker 4: free to use for residents during regular operating hours. Guests
• 6:29
  Speaker 4: age 18 and older need either daily or annual permits
• 6:32
  Speaker 4: to use public ranges outside of Free Range Day.
• 6:34
  Speaker 1: I'm Brady Hopkins.
• 6:35
  Speaker 4: Listen on the free iHeartRadio app for all your music, news, talk,
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  Speaker 4: and sports radio.
• 6:41
  Speaker 1: Podcasts, too. Download the app. Free never sounded so good.
• 6:45
  Speaker 1: A to Z dependable services. Now, Ron Verb. On NewsRadio 570, WKBN.
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  Speaker 1: All right, pay attention here, boys and girls. 434 in
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  Speaker 1: the afternoon, so it's a guru from Gerard there. So
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  Speaker 1: you're $ 300, 000 in debt, and some of it was credit
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  Speaker 1: card debt, correct? Correct.
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  Speaker 2: Credit card, house, some college loan, and then cars. I
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  Speaker 2: think that was basically it.
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  Speaker 1: Right. It added up.
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  Speaker 2: It was about $ 360, 000 maybe. It was total.
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  Speaker 1: All right. And you made a good buck. It's almost
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  Speaker 1: like you're just running around like, you know, on that
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  Speaker 1: wheel and a mouse runs around on just going around
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  Speaker 1: and around. I mean, yeah. So you're paying the payments
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  Speaker 1: and the interest and it's just like exhausting. So one
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  Speaker 1: day you hear Dave Ramsey, you hear about the snowball
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  Speaker 1: effect and you say, I'm tired. I don't want to
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  Speaker 1: owe all this money. So the first thing you did
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  Speaker 1: is you stopped spending on anything that wasn't an absolute necessity.
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  Speaker 2: True? The second thing I did was stop spending. The
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  Speaker 2: first thing I did was explain it to the trophy.
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  Speaker 1: Of what you were going to do. Right.
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  Speaker 2: All right. And then... It took a while, you know.
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  Speaker 2: We got it. And so, yeah, I mean, I had
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  Speaker 2: like a minivan and And I ended up selling that
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  Speaker 2: because her grandmother's car was perfect for sitting in a garage.
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  Speaker 2: She passed away. And it was just pristine. Remember those
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  Speaker 2: old Ford Tauruses? And that was a great car, actually.
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  Speaker 2: She drove it for 10 years or something. And then
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  Speaker 2: my mom got a new car, and I drove her
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  Speaker 2: old Buick something. And And I did that, you know,
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  Speaker 2: for years. It just got rid of the cars. That
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  Speaker 2: was the first thing. There's no payments, right? So then
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  Speaker 2: I started going, I think it was like the credit
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  Speaker 2: cards after that. Knocked them out. Until it basically got
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  Speaker 2: to the house. Which then, you know, now we're starting
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  Speaker 2: to get more like everybody should be. And applying more
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  Speaker 2: and more. We just kept making extra payments. And during
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  Speaker 2: that time, too.
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  Speaker 1: Actually..
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  Speaker 2: Bought a house behind me and knocked it down because
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  Speaker 2: it was just like bad, you know, and I, I
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  Speaker 2: didn't buy a brand new house. It's nice. Now, you know,
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  Speaker 2: I call it cost. Yeah. Um, but it's, I'm even
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  Speaker 2: right now, Ron, I'm still, you know, I'm, I'm painting
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  Speaker 2: my own building. I'm fixing the bricks in my driveway
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  Speaker 2: and stuff. And I just do these things. Cause I
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  Speaker 2: don't know, like it's better than just borrowing money and
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  Speaker 2: spending it. I told you the wife said, You know,
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  Speaker 2: there's tickets along, and it's like, well, you know, give
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  Speaker 2: me $.
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  Speaker 1: 10, 000.
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  Speaker 2: I'll get this done in a day. And, but what
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  Speaker 2: I can do is this. Like, so I go out, I'm, like,
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  Speaker 2: readjusting the bricks and everything. I'm almost halfway done with
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  Speaker 2: what I want to do. And I'll end up doing
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  Speaker 2: it for, like, 500 bucks, you know.
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  Speaker 1: It's all said but i mean that.
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  Speaker 2: Kind of mentality is what you need right does it
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  Speaker 2: if don't don't live above your means it means don't
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  Speaker 2: live above your means you need that vacation why do
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  Speaker 2: you need a vacation like if you're in debt it's
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  Speaker 2: just the same way you say about the federal government
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  Speaker 2: why are you doing this when you're in debt you
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  Speaker 2: just have to ask yourself the same thing like do
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  Speaker 2: i want to go in get more to go on
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  Speaker 2: this vacation And so let me tell you, after finally
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  Speaker 2: when you do pay everything off, then you realize you're
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  Speaker 2: like living the whole way you never have. Because now
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  Speaker 2: all that money you were paying in bills, you're just
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  Speaker 2: putting in the bank. And so when these financial tsunamis hit,
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  Speaker 2: like now, everything changes on you. They run up the
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  Speaker 2: interest rate, the inflation, all that. And if you're stuck
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  Speaker 2: with bills... you're screwed because that goes up with you.
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  Speaker 2: And that increases your cost of living every day. And
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  Speaker 2: so I kind of just pull out of the economy
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  Speaker 2: when this happens. Don't spend money because no one's chasing
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  Speaker 2: after me. So, like, I don't care what the price
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  Speaker 2: of gas is if I don't use gas. You know
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  Speaker 2: what I mean? And it affects food and all that,
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  Speaker 2: I understand. You've got to leave yourself some cushions and things, but...
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  Speaker 2: You know, you have to work your way into living
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  Speaker 2: below your means because it's naturally, like, you're younger, you
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  Speaker 2: just think, you know, great, I want to prove, I
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  Speaker 2: want to make my mark in the world and all this,
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  Speaker 2: you know. And now you get to our age, you
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  Speaker 2: realize none of that really matters, so.
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  Speaker 1: But, I mean, you started with your lowest credit card
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  Speaker 1: bill or whatever it was, paid it off, then went
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  Speaker 1: to the next one, then paid it off, then took
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  Speaker 1: all that money and went to the next one and
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  Speaker 1: paid them off, didn't create other bills. And how long
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  Speaker 1: did it take you to get out of $ 300, 000 in debt? About,
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  Speaker 1: I can't.
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  Speaker 2: Remember, eight years.
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  Speaker 1: Eight years? Eight years. And you got totally out of debt.
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  Speaker 1: So you've got $ 300, 000 behind you. It took eight years
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  Speaker 1: to pay it off.
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  Speaker 3: Right.
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  Speaker 1: And what was the feeling like when you paid all
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  Speaker 1: this stuff off and you didn't have debt anymore? How
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  Speaker 1: did that change you mentally and physically?
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  Speaker 2: Okay, so first off, realize that changing that took a
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  Speaker 2: lot of extra sacrifice because you're still living your life
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  Speaker 2: and trying to reduce all that. But then when you
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  Speaker 2: finally do it, you feel like, wow, okay. I felt
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  Speaker 2: like when I graduated from college or something. And then
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  Speaker 2: you start to realize the ramifications of it. And that
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  Speaker 2: takes a while to sink in. And here's the thing.
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  Speaker 2: When you start, now you've paid all your bills off, right?
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  Speaker 2: And you got this money. It's not the time to
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  Speaker 2: blow it. It's the time to put it away because
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  Speaker 2: what's going to happen is next month, your car is
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  Speaker 2: going to break down and you're going to be faced
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  Speaker 2: with the choice. Do I put this on the credit
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  Speaker 2: card or just pay cash? And so you need money
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  Speaker 2: in the bank to pay cash for it. You know
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  Speaker 2: where I struggle now, Ron, is because I've reached this
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  Speaker 2: level of, of self financing of things. I try to
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  Speaker 2: prevent my kids from doing it, you know, and they're
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  Speaker 2: young and everything. So, some of my problems, I kind
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  Speaker 2: of give up to avoid them falling into the same trap.
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  Speaker 2: I try a lot doing that. But I wouldn't even
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  Speaker 2: be able to have this conversation with them or myself
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  Speaker 2: if I had not went through that.
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  Speaker 1: Interesting. So now you're out of debt, and you've stayed
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  Speaker 1: out of debt.
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  Speaker 2: Oh, yeah. I actually now got money in the bank.
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  Speaker 2: That's why when I'm Like I told you all this
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  Speaker 2: stuff going on with like AI and my job and
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  Speaker 2: how it's changing and everything. I'm just not freaking out.
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  Speaker 2: In fact, I could work tomorrow if I wanted. I
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  Speaker 2: really wanted to like live a horrible life. But I've
• 14:01
  Speaker 2: actually reached a spot where I'm like selective about what
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  Speaker 2: I do. And that's because no one's chasing me.
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  Speaker 1: For money. Right.
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  Speaker 2: Yeah. And once I buy that e-trike, man, then no
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  Speaker 2: one's going to chase me anymore.
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  Speaker 1: Right. How old are you now? All right, so would
• 14:22
  Speaker 1: you say you're semi-retired? Yeah. And are you enjoying it?
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  Speaker 2: Yeah, because, you know, I'm working like a madman, and
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  Speaker 2: I think you saw what I'm working on, but it's
• 14:37
  Speaker 2: what I want to do. It's not what, you know, somebody,
• 14:41
  Speaker 2: you know, when you get on a job or a
• 14:43
  Speaker 2: contract or something, it's like, okay, what do you guys need?
• 14:45
  Speaker 2: And then you get your mind in, I'm doing whatever
• 14:47
  Speaker 2: you want every day. I wake up, you know. And
• 14:49
  Speaker 2: I've always wanted to develop this product, and I'm doing it.
• 14:53
  Speaker 2: And I'm just keeping my costs low. But, you know,
• 14:58
  Speaker 2: it's not work if you enjoy it.
• 15:02
  Speaker 1: You're developing what type of a product?
• 15:06
  Speaker 2: So I told you it's government records, access to them
• 15:11
  Speaker 2: in a common way, you know, like all across Ohio. So,
• 15:14
  Speaker 2: you know, the County Auditor is the first one that
• 15:17
  Speaker 2: I completed recently.
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  Speaker 1: Yeah, but don't they have that open checkbook? I mean,
• 15:23
  Speaker 1: it's already out there.
• 15:26
  Speaker 2: Oh, great. But it's not very consistent because there's 88 counties.
• 15:32
  Speaker 2: They're all different. Like, they all reported it differently. Some
• 15:35
  Speaker 2: have the CAMA computer-aided mass appraisal stuff. Some don't. Some
• 15:41
  Speaker 2: aren't even in there. Like, you know, they have their
• 15:45
  Speaker 2: own site, and they just never reported to that system.
• 15:48
  Speaker 2: And it's just very bizarre. Like, even with that, it's
• 15:52
  Speaker 2: all different how you get that information. So I was curious. Like,
• 15:59
  Speaker 2: I started doing just Trumbull County to find out how
• 16:01
  Speaker 2: the whole thing worked. Oh, and by the way, too,
• 16:04
  Speaker 2: so those programs that you do, they're all like, I
• 16:07
  Speaker 2: don't know if you ever saw ArcGIS, but they're made
• 16:10
  Speaker 2: for like an old-fashioned desktop. And none of them work
• 16:13
  Speaker 2: on the phone and all that. So I made these apps,
• 16:15
  Speaker 2: you know, and they do all that information, and you
• 16:17
  Speaker 2: can just run the whole thing from your phone. It
• 16:19
  Speaker 2: doesn't matter what county you're in, you're going to end
• 16:21
  Speaker 2: up doing the same app the same way. And that's
• 16:23
  Speaker 2: just one example. I'm doing the same thing with, like,
• 16:25
  Speaker 2: health departments. I created one for one of the local ones,
• 16:30
  Speaker 2: like a map, and now you track health access. And
• 16:33
  Speaker 2: that's what got– actually, that's what started the whole thing. Well,
• 16:36
  Speaker 2: part of it. Before that, I had to make some
• 16:38
  Speaker 2: public records and got some– water records and things like
• 16:41
  Speaker 2: that and I was just looking public data is free
• 16:43
  Speaker 2: and I'm like hey I need some data I want
• 16:46
  Speaker 2: to develop this app on public data and so I
• 16:51
  Speaker 2: started on it but then with I developed this infrastructure
• 16:55
  Speaker 2: and with the help of AI it's not really doing
• 16:58
  Speaker 2: it it's just it helps you learn so I was
• 17:01
  Speaker 2: I'm able when you, when you have a question, you
• 17:04
  Speaker 2: have to ask somebody, it's like your coworker out there.
• 17:06
  Speaker 2: He's always never tells you, no, I don't feel like
• 17:09
  Speaker 2: answering you.
• 17:10
  Speaker 1: Yeah.
• 17:10
  Speaker 2: All right.
• 17:10
  Speaker 1: So, so you're trying to put something like that together,
• 17:14
  Speaker 1: but now it's not now it's 63 after a belt,
• 17:18
  Speaker 1: a little bout of some health issues. You're semi-retired. Yeah.
• 17:26
  Speaker 3: Yeah.
• 17:27
  Speaker 2: I'm doing things I want to do. You know, I
• 17:28
  Speaker 2: think I told you I'm going to be, um, teaching
• 17:33
  Speaker 2: at the college level related to this stuff I'm doing.
• 17:40
  Speaker 2: I am trying to... Well, ultimately, I'm curious, Ron. Can
• 17:52
  Speaker 2: better software save us tax dollars?
• 17:56
  Speaker 1: Yes.
• 17:57
  Speaker 2: I think the answer is yes.
• 17:59
  Speaker 1: I think AI can as well.
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  Speaker 2: Yeah, I'm an experiment. That's kind of... It's not just...
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  Speaker 2: Like I said, you've got to be careful to say
• 18:07
  Speaker 2: AI because it's such a big term, you know? But AI,
• 18:12
  Speaker 2: it does searches for you faster than just regular, like Google,
• 18:15
  Speaker 2: like large mass searches. So you can find it and
• 18:18
  Speaker 2: ask it questions that you just couldn't ask before. And
• 18:21
  Speaker 2: because of that, then I'm able to do things. Yeah,
• 18:24
  Speaker 2: but I believe... Oh, and by the way, so I
• 18:27
  Speaker 2: also believe, Ron, that this... AI that they're giving us
• 18:33
  Speaker 2: now at this price is simply because they need to
• 18:37
  Speaker 2: exercise the model so they make it available to you
• 18:42
  Speaker 2: and pick your brain while they're doing it. And one day,
• 18:45
  Speaker 2: they will have picked all they need out of our brains,
• 18:49
  Speaker 2: and it will no longer be free or cheap, and
• 18:53
  Speaker 2: it will only be in things that the big money
• 18:55
  Speaker 2: has to support it. And so I said to myself, okay,
• 19:00
  Speaker 2: knowing this, I got like a year, maybe two tops
• 19:03
  Speaker 2: before this whole thing gets, oh, and then there's the
• 19:06
  Speaker 2: other side of it too. Like half of it is
• 19:08
  Speaker 2: driven by data centers and stuff and all these data
• 19:10
  Speaker 2: centers coming in and people aren't into data centers. And
• 19:12
  Speaker 2: so who knows what's going to happen with the whole thing, right?
• 19:16
  Speaker 2: And so I said to myself, I got like a
• 19:17
  Speaker 2: year or two to develop something. that needs to develop.
• 19:22
  Speaker 2: And what I saw was, you know, we pay all
• 19:25
  Speaker 2: this for, like, county auditors and things for this kind
• 19:28
  Speaker 2: of data because no one had the ability to scan
• 19:31
  Speaker 2: the whole state and do this whole thing like this,
• 19:33
  Speaker 2: you know, before. And so, you know, and by the way, like,
• 19:39
  Speaker 2: where do we drink? I think it started on the
• 19:41
  Speaker 2: show with you where I said, I don't know if
• 19:43
  Speaker 2: you remember the day I was asking you about telling
• 19:46
  Speaker 2: you about the different water systems we have and how
• 19:49
  Speaker 2: many systems water systems have to go before you get
• 19:51
  Speaker 2: to Liberty and stuff like that, you know, and how
• 19:53
  Speaker 2: many people mark it up and, you know, like Niles, Youngstown,
• 19:58
  Speaker 2: and then it goes to Girard, and after Girard it
• 19:59
  Speaker 2: goes to Liberty, and part of it comes from Trumbull County.
• 20:02
  Speaker 2: And so I started, the whole thing started, I said,
• 20:04
  Speaker 2: I'm going to make a public records request and ask
• 20:06
  Speaker 2: all the Girard water customers, not customers, but accounts, I
• 20:10
  Speaker 2: don't really care about, you know, who owes what and
• 20:12
  Speaker 2: all that kind of stuff. I just want to know
• 20:14
  Speaker 2: where the house is and where they get the water from.
• 20:17
  Speaker 2: And then I made a map of the whole thing and,
• 20:19
  Speaker 2: you know, and I was like, wow, you can see
• 20:21
  Speaker 2: this whole system. And then I did another one and
• 20:22
  Speaker 2: another one. And I just think eventually, like, if it's,
• 20:29
  Speaker 2: I'm going to send you a link because I kind
• 20:31
  Speaker 2: of put a concept onto this thing now. And it's,
• 20:34
  Speaker 2: the concept itself is getting close enough to be able
• 20:36
  Speaker 2: to send out there and say, hey, Do you want
• 20:39
  Speaker 2: to jump on board on this? You know, because it
• 20:42
  Speaker 2: looks like a ship now that you can jump on board.
• 20:46
  Speaker 2: Four months ago, it wasn't anything.
• 20:48
  Speaker 1: Yeah, it's hard for me to take any guy serious
• 20:50
  Speaker 1: that's looking at buying an e-trike. That's right. I mean,
• 20:53
  Speaker 1: so he's 63 years old. He's semi-retired. And he wants
• 20:59
  Speaker 1: to buy this e-trike. that if he gets on it
• 21:04
  Speaker 1: and rides it on a sidewalk in Girard down to
• 21:07
  Speaker 1: the Jib Jab or wherever he might be going, he's
• 21:09
  Speaker 1: going to look like he's 102.
• 21:10
  Speaker 2: Yeah, but I'm not going to be 102, and I'm
• 21:16
  Speaker 2: not going to be buying gas to go down to
• 21:17
  Speaker 2: the Jib Jabs or go see my dad. Baseball team.
• 21:22
  Speaker 1: And how much is your e-trike? Have you looked at
• 21:25
  Speaker 1: the price?
• 21:26
  Speaker 2: That's what I'm working on right now. I haven't dropped
• 21:31
  Speaker 2: the order yet because I'm finding out more, but I'm
• 21:33
  Speaker 2: anywhere from about $ 600 to $ 4, 000, depending on what I want.
• 21:41
  Speaker 1: Oh, that's a reasonable range, $ 600 to $ 4, 000. Everything I
• 21:43
  Speaker 1: told you, which way do you think I'm going to
• 21:46
  Speaker 1: go first? Maybe somewhere in between. Who knows? But the
• 21:54
  Speaker 1: reality is you have the money and you won't be
• 21:56
  Speaker 1: borrowing the money. You won't buy it if you can't
• 21:59
  Speaker 1: afford it. Right.
• 22:02
  Speaker 2: In fact, I had lent my son some money to
• 22:05
  Speaker 2: fix his car. And I said, just pay me back.
• 22:08
  Speaker 2: There's no use in putting it on a card and
• 22:09
  Speaker 2: going through all that. So he's been paying me back
• 22:12
  Speaker 2: and I'm like, put that away. And I'm like, go
• 22:15
  Speaker 2: buy my, use that and take some cash and buy
• 22:19
  Speaker 2: my e-bike or e-trike or something like that.
• 22:23
  Speaker 1: There you go.
• 22:24
  Speaker 2: I'm pretty sure I'm going to do it.
• 22:25
  Speaker 1: Eight years, and he got out of throwing $ 300, 000. He
• 22:30
  Speaker 1: stopped spending, paid it off with a snowball effect from
• 22:33
  Speaker 1: Dave Ramsey, and never went back in debt. Stopped spending,
• 22:41
  Speaker 1: paid his debt off over eight years, and now doesn't
• 22:44
  Speaker 1: buy it if he doesn't have the cash to afford it.
• 22:47
  Speaker 1: That's a beautiful thing. He's debt-free. He's no longer a slave.
• 22:51
  Speaker 1: And now he's 63 and can do what he wants
• 22:54
  Speaker 1: when he wants. That's a beautiful thing.
• 22:57
  Speaker 2: Well, I wouldn't say that, like I can do what
• 22:59
  Speaker 2: I want. But if I, you know, I can enjoy
• 23:01
  Speaker 2: my time on this earth without spending any money for
• 23:05
  Speaker 2: as long as I want.
• 23:05
  Speaker 3: All right.
• 23:08
  Speaker 1: That's what I want to say. All right, Miguel. Thank you,
• 23:10
  Speaker 1: the guru from Gerard. News Radio 570. I mean, that's
• 23:13
  Speaker 1: what you got to do. I mean, it's a hell
• 23:19
  Speaker 1: of an adventure for that guy, but he stopped spending.
• 23:22
  Speaker 1: He just said, I'm not going to spend on anything
• 23:24
  Speaker 1: if I don't need it. And I'm going to take
• 23:27
  Speaker 1: all these credit card bills and all this money that
• 23:29
  Speaker 1: I owe on whether it was a car loan or
• 23:32
  Speaker 1: a house or credit card bills, and I'm going to
• 23:37
  Speaker 1: pay the least lowest one off first, and I'm going
• 23:43
  Speaker 1: to take all that money and pay the next one off.
• 23:46
  Speaker 1: I'm going to just keep working up the bill ladder.
• 23:49
  Speaker 1: And eight years later, $ 300, 000 was behind him. Obviously, he
• 23:53
  Speaker 1: had a decent job, and he just didn't buy anything
• 23:57
  Speaker 1: he didn't need. He said, I never want to get
• 24:00
  Speaker 1: in debt like that ever again. But now, in this
• 24:03
  Speaker 1: day and age, you have people, you have car loans, like,
• 24:06
  Speaker 1: you know, people taking car loans out for five, six,
• 24:09
  Speaker 1: seven years. Some of these car loans are ridiculous. Well,
• 24:13
  Speaker 1: doesn't that say if you've got to take a loan
• 24:14
  Speaker 1: out that long, you simply can't afford it? I mean,
• 24:18
  Speaker 1: sometimes Saying no to yourself is the hardest thing, but
• 24:21
  Speaker 1: the most important thing. And I'll be back. You know,
• 24:31
  Speaker 1: I just read this for Michael and Gerard with his e-trike.
• 24:36
  Speaker 1: The headline in Thursday's paper, man riding e-bike falls off,
• 24:41
  Speaker 1: fatally struck by two vehicles. There you go, Michael. There
• 24:45
  Speaker 1: you go. This guy was 49 from Levittsburg, was pronounced
• 24:49
  Speaker 1: dead at the scene on Tuesday night in an accident
• 24:52
  Speaker 1: on Todd Avenue. He lost control of the e-bike he
• 24:56
  Speaker 1: was riding and fell off the bike around 9, 10 p.m.
• 25:04
  Speaker 1: And a 2021 Ford F-150 was traveling north on Todd
• 25:10
  Speaker 1: Avenue when it struck this guy. And obviously it was
• 25:16
  Speaker 1: fatally struck. There you go. Well, I guess he's getting
• 25:20
  Speaker 1: a trike, so he probably wouldn't fall off of it then.
• 25:22
  Speaker 1: It'd probably be easier for him. You're on air.
• 25:27
  Speaker 3: Ron, I've been listening to you over the last few
• 25:29
  Speaker 3: days and today, and I'm finding myself disagreeing with you
• 25:32
  Speaker 3: a lot on a lot of things.
• 25:34
  Speaker 1: Well, that's not good. What seems to be your issues here?
• 25:38
  Speaker 3: Well, you know, I caught the beginning of the show
• 25:41
  Speaker 3: here about houses and them becoming more valuable, and I
• 25:46
  Speaker 3: don't agree with that. And You mentioned about interest rates
• 25:50
  Speaker 3: and how hard you guys had it when they were 16%.
• 25:54
  Speaker 3: And now they're 6% and everybody's belly aching.
• 25:57
  Speaker 1: Yes.
• 25:57
  Speaker 2: And I don't agree with that.
• 25:59
  Speaker 1: <HAL> <HAL> <HAL> <HAL> <HAL> <HAL> <HAL> <HAL> <HAL> <HAL>
• 26:03
  Speaker 1: You know, now listen here, Sonny Boy.
• 26:06
  Speaker 2: Yeah, yeah, yeah.
• 26:07
  Speaker 1: All right. That is true. Like when I was involved
• 26:12
  Speaker 1: in all of this, the interest rates were really double
• 26:16
  Speaker 1: digits for And I refinanced down to 6%. Yeah. Well,
• 26:22
  Speaker 1: I'm going.
• 26:23
  Speaker 3: To explain it to you, Ron.
• 26:24
  Speaker 2: Don't worry.
• 26:25
  Speaker 1: Okay. But, I mean, it was like I thought I
• 26:27
  Speaker 1: was lucky to get 6%. I mean, there was no
• 26:30
  Speaker 1: way 3% even existed. So... You always say, like, you know,
• 26:36
  Speaker 1: all these other generations had it so much easier. And
• 26:39
  Speaker 1: I think to myself this. I mulled this over. Maybe
• 26:42
  Speaker 1: I said this to you before. My father's generation, guess what?
• 26:45
  Speaker 1: They had World War II. I mentioned this before. My
• 26:48
  Speaker 1: mom was just happy that my dad came home alive.
• 26:51
  Speaker 1: My brothers, my older brothers, the baby boomer generation, of
• 26:55
  Speaker 1: which I am a part of, well, guess what? They
• 26:58
  Speaker 1: worried about the draft and going to Vietnam and coming home.
• 27:02
  Speaker 1: So a lot of this..
• 27:03
  Speaker 3: And, Ron, I don't deminimize any of that at all,
• 27:07
  Speaker 3: and I think you're taking my references out of context
• 27:10
  Speaker 3: when I speak of these situations. I'm referring only from
• 27:14
  Speaker 3: an economic standpoint. Now, every generation has its.
• 27:19
  Speaker 1: All right, standby. I want to get into the meat
• 27:21
  Speaker 1: of this. And we have a long segment. Alec coming up.
• 27:24
  Speaker 1: I want to hear this.
• 27:27
  Speaker 2: In a minute.
• 27:28
  Speaker 1: Zero is the word at the Stadium GM Super Bowl.