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AK_KSRM_2024_06_26_18_00
| 32 | 749.104 | 763.882 |
if they don't violate the 2% rule that they made up out of thin air. Okay? And so if a marketplace is dictating that you are worth $120, $150, they're going to lose everyone that's in a similar position
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 33 | 763.985 | 779.804 |
If they don't adjust to market. And so, you know, and they may be willing to do that. I don't know. But, you know, one way when you're in a job, one measure is always what can they replace you for?
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 34 | 780.828 | 798.882 |
If you leave and they have to pay somebody $120 to come into the role, then their replacement cost on you is $120. Then they have a real reason to do that. That's right. That's what I'm saying by marketplace study. And so I would go in, like Ken said, with some actual comp studies and go, look, guys, here's what this is happening.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 35 | 798.882 | 816.852 |
And I'm willing to work with you. I'm not trying to blackmail anybody. I'm not trying to be ungrateful. I'm just saying that this position now, it looks to me like, am I looking at it wrong? Tell me if I'm looking at it wrong. But it looks to me like this position is paying $120,000, $150,000 somewhere else.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 36 | 817.568 | 836.783 |
They may say, well, go take it, in which case I would. I would if they say that. But they may also just not be informed because the technology sector, we've experienced it here at Ramsey, the comp studies, we do them quarterly, and it moves rather rapidly up and down.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 37 | 837.056 | 849.087 |
And there was a time that it was just shooting straight up, and then there's a time where it kind of adjusted backward a little bit. So, you know, just look at it and ask them, this is what I'm seeing. What are you all seeing?
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 38 | 849.326 | 873.626 |
And they're probably not even looking at it. I agree. And that's why this is a great lesson. When you go in with a salary range based on real marketplace numbers, you don't look like I deserve. You're just simply going, hey, here's what I'm seeing. And they may not have any idea where their compensation is on that scale. And it really helps you because, again, you're dealing in facts, not I just deserve. Exactly.
|
KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 39 | 873.626 | 896.254 |
And the I deserve the entitlement thing is where always that's where ungratefulness comes from. It's like, hey, I love being here. I'm just looking at this. And what are you all saying? Tell me. Tell me what's happening here. And, you know, how can I help and how can I add more value? I'd love to be a blessing to this place. And tell me how. And very few people get mad at you when you're doing that. This is the Ramsey show.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 40 | 908.558 | 925.64 |
I get asked all the time, when in the baby steps is the right time to buy life insurance? My answer is typically now. Hey, life insurance is not part of the baby steps because it's needed whenever your family has debt and not enough savings to provide for their ongoing financial needs.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 41 | 925.64 | 943.951 |
That's when they're at their highest risk. And no matter where you are in your baby steps, life insurance is a necessity, not a choice. This goes for working husbands and wives, and it also includes stay-at-home parents because it's really expensive to replace those stay-at-home parent responsibilities.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 42 | 943.951 | 967.705 |
And I only recommend term life insurance since it's the most affordable way to get the right amount of coverage and not break your budget. Go to Zander.com or call 800-356-4282. These are the guys I personally use. That's Zander.com or call 800-356-4282, Zander.com.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 43 | 967.705 | 997.329 |
Hey guys, it's Rachel Cruz here to tell you about a faith-based alternative to health insurance, Christian Healthcare Ministries. CHM allows members to share each other's healthcare costs and it's as easy as one, two, three. Step one, choose the healthcare provider you want. Step two, submit your eligible bills. And step three, get reimbursed. CHM members take care of your eligible medical bills. Find out more at chministries.org slash budget. That's chministries.org slash budget.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 44 | 997.329 | 1,027.005 |
Are you planning to sail with us on the Live Like No One Else cruise? Then you better book your cabin before they're sold out. If you're on Baby Step 4 and above, come aboard March 22nd through the 29th of 2025 as we set sail for Turks and Caicos, St. Thomas, San Juan, and the Bahamas. Join me, the Ramsey personalities, and a ton of special guests for the ultimate debt-free celebration. Book your cabin because they are going fast. Head to ramseysolutions.com slash cruise today.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 45 | 1,030.162 | 1,039.872 |
It's time for the fishing report on KSRM. Brought to you by Soldotna Trustworthy Hardware and Fishing. Your fishing headquarters for the Kenai Peninsula.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 46 | 1,043.268 | 1,067.056 |
Welcome to Summertime on the Kenai. Saldana Trustworthy Hardware and Fishing has everything you need to get out there on the river. Get your fishing license, rod and reels, lures, bait, waders, all in one stop. Great deals as well on all things lawn care. New summer hours are Monday through Friday, 8 a.m. to 7 p.m., Saturday, 9 a.m. to 6 p.m., and Sunday, 10 a.m. to 6 p.m. 907-262-4655 or SaldanaHardware.com. Fish on!
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 47 | 1,068.456 | 1,083.916 |
Hooked on the line with Bernie over at Kenai River Bend. How has the fishing been for you guys lately in the various locations you stop at? The fishing is actually really, really good. We're getting halibut and
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 48 | 1,083.916 | 1,104.241 |
Homer and in Deep Creek every day, except Wednesdays where it's closed by federal law. And they're getting some nice eating fish. Everyone's happy, so you can't beat that. Over in Seward, on our multi-species trips, they don't go every day, but where we have people, they've been getting limits on rockfish. They've been getting some really nice yellow eye and a few silvers.
|
KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 49 | 1,104.241 | 1,133.08 |
All in all, the fishing over there is really good as well. And then down on the Seeloff River, we've been catching kings and sockeyes. And we've been getting our limits on sockeyes. And that just went to six, I believe, starting today. So the boats aren't back yet, but we expect them to do that as well. So all in all, the fishing is really great. So far, so great. And Homer Seward, the Seeloff, if folks would like to book a charter with you, how'd they go about doing that? Yeah, give us a call. 907-283-9489.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 50 | 1,135.265 | 1,158.08 |
You've been listening to The Fishing Report, brought to you on KSRM by Soldotna Trustworthy Hardware and Fishing, your fishing headquarters for the Kenai Peninsula. Download our app, find KSRM on Google Play and on iTunes. Take KSRM with you wherever you go. Start now at RadioKenai.com.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 51 | 1,164.48 | 1,180.691 |
Ken Coleman, Ramsey Personality, is my co-host today. Thank you for joining us. We're glad you're here. He is the author of the book, Find the Work You're Wired to Do. It includes the Get Clear Assessment. Now, the Get Clear Assessment has helped almost 100,000 people that took it.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 52 | 1,180.691 | 1,205.299 |
Learn what they are good at and what they love and how to put all that together. Who you are, the way you're wired, and what you want to do professionally, how to get there. All of that comes out of this assessment. And the book is there to help you read the assessment and properly apply the findings from it. It includes the Get Clear Assessment. So you don't have to buy the Get Clear Assessment separately anymore. The best way to do it is buy the book, and it comes with...
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 53 | 1,205.299 | 1,231.135 |
They get clear assessment. It comes with a code. And, Ken, you can take the assessment in what, about 20 minutes? 15 to 18 minutes if you're just instinctively taking it. Which is what you ought to do. Don't try to game it. That's exactly right. And after that, you're going to get a really great report. And it's going to give you a detailed report on the things you're good at doing. We're talking about in the world of work, the type of work that you really enjoy, and then the results that motivate you. And...
|
KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 54 | 1,231.135 | 1,254.855 |
Then the book itself is like me coaching you with your results. Now you know who you are. So the book comes along and says, all right, now let's see where we can do this thing that I'm really good at, the stuff that I love. Where in the world will it work? So it helps you with the where and the how. And it's a really fun little project. So super simple. It's bestseller. It is. It is. It's no longer a little project. That's right.
|
KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 55 | 1,254.855 | 1,282.039 |
Well, you know, I say a little. Turn into a big, hairy deal. Because we write books that are longer than this, and this was one of those things where it was like, if I was going to coach someone with their results on what to do, now how do I go turn this into money and freedom? This book does that with the assessment results. Just go to the store at RamseySolutions.com. You can find all of our products and books and assessments and all kinds of things there. And it's the find the work you're wired to do, the get clear assessment is what we're talking about. Be sure and check it out.
|
KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 56 | 1,282.039 | 1,290.162 |
Grant is with us. Grant is in Tampa, Florida. Hey, Grant, welcome to the Ramsey Show. Hey, Dave, thanks. I appreciate it. Sure. How can we help?
|
KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 57 | 1,291.869 | 1,314.326 |
I am calling with questions about, so essentially my main issue, my brother and I are starting a construction company, or we actually already have a construction company started. I am currently working for another company right now until that takes off, but I do plan on leaving this company I currently work for.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 58 | 1,314.326 | 1,334.172 |
to pursue that full time. And I was just curious, you know, how much money would you recommend saving before taking that leap? Do you think or do you anticipate that you're going to be paid very similar or less than or more than what you're making in your current job when you go work with your brother?
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 59 | 1,335.111 | 1,354.377 |
I would assume less. It's still growing, and that's something obviously I would wait until the income was somewhat worth my while. But yeah, it would definitely be less. What's the reason for jumping? Why would you do that? Why don't you get it? Why don't you make more? Well...
|
KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 60 | 1,354.787 | 1,383.251 |
I've worked for this company for quite some time. It hasn't been too bad. I know deep down it's something I've always wanted to do is be my own boss. Make less money is what you've always wanted to do? No, sir. Obviously, in the beginning, that would definitely be the case. I don't know why it has to be. It doesn't have to be. So here's the thing. You said, I'm going to take the leap. I'm going to recommend you don't leap. Yes. I'm going to recommend you step. Mm-hmm.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 61 | 1,383.592 | 1,409.974 |
Get the boat closer to the dock. Maybe even an electric slide right into that, you know, a little style. Here's the point that we're making, Grant. Yeah, go ahead and get this construction company kicking butt, and you guys are working 80, 100 hours a week, and you're about to collapse from fatigue, and you're making more money at the construction company than you are at your old job. Then it's a no-brainer to quit your old job, and you're not asking me about emergency funds because you're not in the water. You stepped into the boat. You didn't leap and miss. Yeah.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 62 | 1,411.015 | 1,430.418 |
Yes, sir. It's going to be there. That's what you do. That's how you do it. All that requires is patience. Yes. You're all excited about this, and you just want to go over and do it right now. Yeah. But grown-ups have to wait. Yeah, I'm finding that out more and more as I get older. Yeah, it's a pain in the butt.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 63 | 1,431.323 | 1,454.326 |
Yeah, but I'll tell you, when I look at it that way, if I'm in your shoes, then I've got to go really pour the gasoline big time on the fire over at the construction company because the faster I get that thing up, the faster I can go back to a normal set of hours working a normal job at a place I own, and I don't have to leap.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 64 | 1,455.384 | 1,466.8 |
Yes, sir. Yeah, and then your emergency fund doesn't come into play because you're not creating an emergency. You create one when you leap. There is no emergency when you step.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 65 | 1,467.517 | 1,485.947 |
And so let's get this thing going. You guys go over there and just really, really work on the jobs and let's get them going, man. Here's a really important mindset shift right here for people that are in Grant's situation that are listening or watching. Grant, you have to switch from looking at this day job as this job that's holding you back.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 66 | 1,485.947 | 1,515.947 |
from doing the thing you've always wanted to do and you've got to flip it to this day job is the stability and the boat that is going to get me to the bigger boat. It's a mindset shift. And if you do that, you'll find that the patience is extended. But it is a complete mental game right now for you. And that's what will keep you patient. Otherwise, if it's all emotion and I keep thinking about how much I want to work for myself and be with my bro and never work for the man again,
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 67 | 1,515.947 | 1,534.343 |
You will never be able to wait. Your emotion will rule the day. You've got to reshape this deal. That's wisdom. That's good. Good work. Good work. Brandon is in Boise, Idaho. Hey, Brandon, what's up in your world? Hey, how's it going? Better than I deserve. How can we help?
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 68 | 1,536.152 | 1,560.555 |
So I have a question. The best way to put it into words is how do we take advantage of a larger income that's more likely than not shorter term? And what I mean by that is my wife is making a larger amount of money than she has been for a few years, but we know that
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 69 | 1,560.981 | 1,580.247 |
Approximately the next four to five years, that's going to go down. And then my situation is I'm a disabled veteran. I have a medical retirement that I can no longer work, and I will no longer be able to work. And so our concern is how do we...
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KSRM
| 2024-06-26T18:00:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 70 | 1,580.913 | 1,610.845 |
set ourselves up over the next four or five years to ensure long-term financial independence. That's a good question. Thanks for your service. I'm sorry you were hurt. Thank you. Well, the answer is, and then we can dig into it a little bit, but the answer is the baby steps that we teach, Brandon, are the fastest right way to build wealth.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 71 | 1,612.056 | 1,639.121 |
where you don't have a problem later. But if you strike a chord of desperation, oh, God, this is going to run out, so we've got to go do something stupid, right before I get stupid, I'm usually desperate. So let's don't get desperate in here. I hear wisdom right now. I don't hear desperation. But if you start panicking about it, then you're going to go do something stupid in an effort to try to leapfrog, right?
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_00
| 72 | 1,639.667 | 1,651.169 |
I should tell you a little bit more. So what I would do is I'd just work the baby steps. How much debt have y'all got? We have $60,000 in our car.
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KSRM
| 2024-06-26T18:00:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 73 | 1,652.483 | 1,681.118 |
a car it's part of so she has social media it's part of the business though um so i grew up listening to you as well as born and we've done actually pretty well um so the vehicles are only decks we kind of went backwards a little bit because we use it to use it for social media so her her income that you think is short term is the social media income yes sir why is that short term
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 74 | 1,682.159 | 1,700.708 |
It's influencer, and that industry is very... It's dying. It's up and down. No, it's dying. It is. It is. I mean, we're seeing it everywhere, yeah. I mean, it's not what it was 18 months ago, for sure, yeah. Okay, so...
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 75 | 1,703.422 | 1,716.834 |
It's hard for me to speak intelligently because I don't know what she's doing. But I will tell you this. I think you rationalized your butt off on this car. You need to get rid of this car, man. That's bogus. If the only way she can have influence is to be stupid.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 76 | 1,717.108 | 1,742.432 |
And $60,000 car, then that's a bad idea, man. So we got to be thinking about some other way to get at this and start getting rid of this car debt. I don't know what kind of money she's making, but if she's making a couple hundred grand or something, pay the stupid thing off and keep it. But we're not going to finance our way into influence. That's a way to make this temporary for sure. Because your influence is based on hypocrisy then. So, no, you don't want to go there.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 77 | 1,748.507 | 1,767.517 |
You know, it doesn't take a degree in statistics to realize this one stinks. 93% of undergraduate private student loans are co-signed. So when you're delinquent and drowning, mom or papa or uncle Joe is stuck in that financial stress along with you. But there is a way out. Why refi?
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 78 | 1,767.517 | 1,783.046 |
YRefi offers a custom refinancing option with a fixed rate loan based on your ability to pay. And the average interest rate YRefi offers is 3.9%, which can significantly reduce your monthly payment and decrease your total cost.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 79 | 1,783.046 | 1,806.305 |
Contact WhyRefi at 844-2-RAMSI or go to WhyRefi.com slash Ramsey. That's 844-2-RAMSI or the letter Y, then R-E-F-Y dot com slash Ramsey. WhyRefi is not licensed by the California Department of Financial Protection and Innovation. WhyRefi is not authorized by the New York State Department of Financial Services to service...
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_00
| 80 | 1,806.834 | 1,815.657 |
Upstairs at Beeman's, talking with Steve, just outside the bike loft. Bikes galore. Come get yours today. Matt, we have a great selection of bikes for sale, so we're really excited about having them.
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KSRM
| 2024-06-26T18:00:00 |
AK
|
UNKNOWN
|
AK_KSRM_2024_06_26_18_30
| 0 | 0.009 | 4.616 |
Why refi is not authorized by the New York State Department of Financial Services to service.
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KSRM
| 2024-06-26T18:30:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 1 | 5.111 | 33.541 |
Upstairs at Beeman's, talking with Steve, just outside the bike loft. Bikes galore. Come get yours today. Matt, we have a great selection of bikes for sale, so we're really excited about having a good stock on hand. We also rent bikes, so we have mountain bikes, fat tire bikes, a limited selection of pedal-assist electric bikes to rent. We stock comfort and mountain bikes and kids' bikes. We have adult trikes and unicycles. We do repairs and accessories. Find it upstairs at the bike loft at Beeman's Variety on the Kenai Superhighway in Saldanha.
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KSRM
| 2024-06-26T18:30:00 |
AK
|
UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 2 | 36.169 | 58.234 |
ABC News. I'm Dave Packer. A decision that was accidentally posted prematurely on the Supreme Court website taken down quickly. First reported by Bloomberg indicates that the high court will allow emergency abortions in Idaho when a pregnant woman's health is at risk as a legal case plays out. In another case, the Supreme Court decided with the Biden administration in its legal battle against social media companies.
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KSRM
| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 3 | 58.234 | 79.053 |
Louisiana, Missouri, and other individuals had claimed that communicating about content with social media companies violated the First Amendment. Today's ruling that those states and individuals did not have grounds to sue. Troops and armored vehicles have started pulling back from Bolivia's presidential palace after an attempted coup.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 4 | 79.053 | 93.268 |
People gathering in the streets of Bolivia's capital as armed vehicles rammed into doors of the government palace. Amazon's investors pushing the value of the e-commerce giant above $2 trillion today. This is ABC News.
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 5 | 94.377 | 112.125 |
Now, news of the Kenai in Alaska. Brought to you by Elite Auto and Diesel Repair. When your vehicle is acting trivial, call 262-2280. A steward man and employee with the Department of Corrections has been arrested after he was found to be smuggling narcotics to an inmate at Spring Creek Correctional Center.
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| 2024-06-26T18:30:00 |
AK
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AK_KSRM_2024_06_26_18_30
| 6 | 112.125 | 124.872 |
58-year-old Seward resident Paul Cottrell, a maintenance worker at Spring Creek, was accused of smuggling drugs last week, prompting an investigation. Cottrell was arrested and remanded to Spring Creek Correctional Center without incident.
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| 2024-06-26T18:30:00 |
AK
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AK_KSRM_2024_06_26_18_30
| 7 | 126.101 | 147.022 |
Alaska's permanent fund is facing a $600 million shortfall heading into the next fiscal year. $3.8 billion is set aside for the budget and the permanent fund dividend, and one other billion is allocated for inflation proofing. That exceeds the available revenue in the fund's spendable account, according to CEO of the state permanent fund corporation, Devin Mitchell.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 8 | 147.193 | 166.613 |
For more, visit RadioKinai.com. That's news of the Kenai and Alaska. I'm with Arianna Hernandez-Santana. Wait a second. AIH has paint? Yes, Alan. Now we have that, too. AIH is excited to offer a wide variety of PPG paints and stains, including favorites like PPG Speed Hide and Manor Haul.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 9 | 166.613 | 184.019 |
for both interior and exterior projects. No way. Do you offer color matching, too? Of course. And while you're here, you can find all the brushes, paint sprayers, and accessories you could hope for. Just another reason why AIH is Alaska's one-stop shop for contractors and DIYers.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 10 | 184.07 | 214.07 |
Beaver Loops Sand and Gravel is the home base for Alaska's sourdough peat. They take great pride in producing the very best organic garden mix of the state. Their topsoil is finely screened and contains topsoil sand and peat. Beaver Loops Sand and Gravel has screened sand, pit run, 2-inch minus for leach field, and granite boulders for your yard work. Beaver Loops Sand and Gravel will soon be accepting wood brush and stumps for composting. At this time, they can sell truckloads of topsoil, peat, or garden mix. 907-252-1891.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 11 | 214.07 | 240.503 |
Looking for top quality Alaskan seafood? Tanner's Alaskan Seafood in Soldotna has you covered. Conveniently located by Centennial Park right at the end of Kay Beach, Tanner's offers the freshest Alaskan seafood and bait for all fishermen. Need fish processing? They do that too. Can't make it in? Shop online at tannersfish.com for all your favorite Alaskan catches. Remember, for the best in Alaskan seafood, it's Tanner's Alaskan Seafood.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 12 | 240.503 | 264.002 |
Visit them today or shop online at tannersfish.com. Hey, it's Chelsea Chess inviting you to join me and Mark Gage as we broadcast live this Thursday at Country Liquor on Willow Street in Kenai between 2 and 3 p.m. Stop by, say hi, and check out the liquor store with seemingly the largest selection on the peninsula with some of my favorites like Lindemann's Raspberry Beer. Check out all their premixed cocktails and wine in metal bottles. Perfect.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 13 | 264.002 | 273.08 |
for camping, hiking, all your 4th of July activities. There's going to be loads of specials for you to check out as we prepare to celebrate 4th of July. No matter what time it is, it's always...
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 14 | 275.077 | 303.797 |
Now, your Keen Eye Soldotna weather outlook on KSRM 920 AM and 92.5 FM. Brought to you by ConocoPhillips Alaska. Investing in our communities and building Alaska's workforce. Today, partly sunny skies. Highs around 62. Tonight, partly clear skies and lows around 48. Thursday, partly sunny skies with highs near 62. It's currently 59 degrees at the 1 KSRM.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 15 | 303.797 | 313.626 |
Provocative commentary on politics and the American agenda. The Sean Hannity Show, weekday afternoons 5 to 8 on The One KSRM.
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| 2024-06-26T18:30:00 |
AK
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AK_KSRM_2024_06_26_18_30
| 16 | 318.012 | 347.858 |
Ken Coleman, Ramsey personality, is my co-host today in the lobby of Ramsey Solutions. You can come by and watch the show anytime you want. We're on every day, Monday through Friday, from 1 to 4 Central Time. Usually have 50 to 200 folks out here eating our free homemade cookies, drinking our free coffee, and watching the show for free. And it's worth every dollar you paid, too. I'm just saying. So in the lobby also is the debt-free stage, and that's where Kyler and Stephanie are.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 17 | 347.858 | 375.486 |
Because they're debt-free. Way to go, guys. Congratulations. Thank you, Dave. Well done. Where do you all live? Chattanooga, Tennessee. Chattanooga, just down the road. Nice little day trip up to Nashville then. And how much debt have you guys paid? $123,000. Very good. And how long did that take? Just over two years, Dave. Good for you. And your range of income during that time? I think it started at $90,000 and now it's $160,000. Cool. What do you all do for a living?
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| 2024-06-26T18:30:00 |
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 18 | 375.913 | 397.841 |
We have two of the most boring jobs ever. I love it. I'm an accountant. And I'm a data analyst. And Ken actually gave great advice and helped me move into this role about a year and a half ago. What were you making before you made that move? About $40,000. Whoa. $120,000. And you now make what? $120,000? We combined make $160,000. Oh, okay. What do you make?
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 19 | 397.841 | 411.391 |
About 70. Okay. She almost doubled your income because of Ken Coleman. Yep. So what's your cut, Ken? It's pretty good, man. I'm telling you right now, I like hearing those stories. That's great, man. Congratulations. Way to go, heroes.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 20 | 411.664 | 434.104 |
I don't care if they're boring or not. You're making bank and you got out of debt. You did some data analysis and some accounting and figured out $123,000 sucked. How long have you all been married? Just over two years. Okay. So by the time you get married, you looked up and said, this has got to go. Tell us the story. How's your I've had it moment unfold? Well, so I was kind of, it took me longer to get on board.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 21 | 434.445 | 464.428 |
The accountant. Yes, I know, I know, I know. But Kyler had actually found your podcast before we got married, and then we kind of talked about it before. I didn't really think he was serious. You hoped he wasn't. Right. I was like, maybe he'll forget about it. But we got married, and then we tried to cash flow a wedding, and it was super expensive. And then we were kind of at a point where he was really pushing it, and I kind of was like, well...
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 22 | 465.145 | 494.735 |
I've kind of worked a lot, and I kind of just want to enjoy it at first, if I'm being honest. But then I was remembering when we were trying to cash flow our wedding, and I was making good money, but I was living paycheck to paycheck, and I was like, this is miserable. So I kind of thought back on that time, and I'm like, we make good money, we don't have kids yet, why don't we just go for it? So with his help, we kind of started it. There we go. It took a lot of...
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 23 | 495.265 | 515.811 |
Difficult conversations, but also a lot of graciousness from both of us to be able to come together and really develop that budget, and that was the cornerstone of it all. Yeah, and as soon as you turn that corner and join arms, boom, game on, right? Exactly. I mean, but until then, it's like it's pushing a rock uphill. Exactly, yeah. Yeah, way to go. Very cool. What kind of debt was the $123,000?
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 24 | 515.811 | 528.131 |
Just normal stuff. Credit cards, car loans, student loans, and the wedding. Of course. Some of the wedding day, yeah. Gotcha. Okay. Very cool. Very cool. Did you guys sell anything or was this just all hustle?
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 25 | 529.206 | 553.473 |
I mean, honestly, we were graced with like great. We were blessed with like great promotions at work. And I feel like if you keep your head down and you keep working at it, like you're bound to have something great happen to you. And that hard work is going to pay off. So we like tried Uber Eats for a while, too. We did that for maybe a few months. But honestly, we were just both pretty blessed with promotions and, you know, instrumental moves in our career.
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| 2024-06-26T18:30:00 |
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 26 | 553.473 | 570.486 |
And just dialed in the numbers and said, we're going to stick to it. Yes. Dialed in the numbers. A budget, yes. Because, I mean, you blew up. I mean, you did 60K a year for two years. That's pretty impressive. Probably the larger in the back half as you got some raises and stuff. But still the average on that's strong.
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 27 | 570.486 | 599.582 |
Starting out at 90 and now to 160. Way to go, y'all. Way to go. I get this question a lot, and I want you to answer it, Kyler. What was it like to change jobs in the midst of paying off debt? Because a lot of people go, man, I don't know if I want to do that. And you did it, and you upgraded, which helped you get through quicker. I'd love for people to hear what the psychology was for you going through that switch. Sure. So it...
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| 2024-06-26T18:30:00 |
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 28 | 599.582 | 627.21 |
wasn't an easy transition just because I didn't hate the job that I had it just I knew what I wanted to do and I knew that I had to get qualified to do what I wanted to do and where I was wasn't going to allow me to do what I wanted to do so I had to make the switch so it was a little bit easier for me in that regard but like I said the job I had I didn't hate whatsoever but I'm very blessed with the job that I have now but you you it wasn't scary you were able to just prepare and get qualified and step right into it yep and I had a lot of support from Steph as well so it was it was easy
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 29 | 627.21 | 649.548 |
He's gracious in that regard. I was kind of hesitant more so, but he like blew it out of the park. He, you know, got a certification in the process and I really saw like his determination through it. So I guess when you go through like scary stuff like that, I think the best comes out in your partner. So that's cool. Very nice. Very good. Good for you guys. So what are you going to do now that you're debt free?
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| 2024-06-26T18:30:00 |
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 30 | 650.623 | 680.162 |
We're going to actually take a vacation. Oh, good. Where are you going? We're going on a cruise in September and then Disney in October. Wow. Very good. He hasn't been to Disney yet. Okay. So where's the cruise? I think it's to Mexico. Okay. We're just going with a few friends. It was a pretty cheap cruise. That's what we're doing, too, this year. Okay. That's great. Good for y'all. Well done. That's fun. That's fun. So you started the whole thing off, Stephanie, saying, in a sense, I make too much to be this broke.
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| 2024-06-26T18:30:00 |
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 31 | 680.367 | 692.261 |
There's a little bit of disgust was your why. I'm disgusted with this. I'm not going to live like this. And that's what finally helped you turn the corner. Now that you're the other side of it, does it feel like you thought it was going to?
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| 2024-06-26T18:30:00 |
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 32 | 693.302 | 719.65 |
Like you're free? I think it feels better. Because, like, we have so many opportunities in front of us now that we wouldn't have before. I mean, right now we're a Dean Quad family. No income, no kids with a dog. So, like, that puts our, like, future family in a better position, too. And, like, the next move is for us to purchase a house. So it has opened that door greatly. And it's just, like, lifted a whole different burden off our shoulders for sure.
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 33 | 719.821 | 726.63 |
You can for sure stack cash right now. I mean, you're in a great place. Way to go. How's it feel to be free?
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 34 | 727.09 | 751.288 |
It feels, well, freeing. It's really nice. It's reassuring that all the hard work is paid off, and we can confidently go into our future and know that we don't owe anybody anything right now. And once we do buy a house, I'm sure that will be paid off as quick as possible, too. Yeah, we didn't want to, like, you know, we kind of got, I was, what, 27 when we got married, and I kind of felt like that was a little...
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| 2024-06-26T18:30:00 |
AK
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AK_KSRM_2024_06_26_18_30
| 35 | 751.288 | 771.049 |
Like later on in life, but having like this pause and this reset to like get us on the right track was better. And we knew like we wanted to set our marriage up for success. And we saw the like statistics on like finances being like a huge contributor and divorce. And we were kind of like, that's not going to be us here.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 36 | 771.254 | 794.889 |
Yeah, we're going to go ahead and tackle the number one. If that's the number one thing, let's get that off the plate. Yeah. Yeah, I agree. Very, very good. All right, Stephanie, talk to the person out there who just got married and their husband or their wife is a little Ramsey crazy and they're driving them nuts. Tell them whether they should do this or not. One hundred percent. Yes. Or I wouldn't be here. But I mean.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 37 | 795.162 | 811.049 |
I would say just hear them out because truly like you guys are on the same team. If you're married, you're on the same team. If you're working towards that, you're on the same team. You have the same goal or you should, right? So like when he was trying to convince me, I kind of had to put like,
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| 2024-06-26T18:30:00 |
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 38 | 811.049 | 829.667 |
my internal, like, thoughts aside and I was like, okay, Kyler just wants the best for me. He wants the best for us. And if I can put that aside and really see, like, why, his why on it and his why was just to set us up better financially, then it was like a no-brainer at that point. So just...
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 39 | 829.667 | 846.852 |
Kind of get all the outside voices out, whether that be yours or like people who think your spouse is crazy. Just get it out the door and look at it because truly it's going to come from a place of like he has your best interest at heart or they have your best interest at heart. Yeah.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 40 | 846.852 | 874.206 |
Way to go. Very mature. Good word. Good word. Well done. Well done. You guys are heroes. Way to go, man. Thanks. Touchdown. Yeah. All right. Kyler and Stephanie, Chattanooga, Tennessee, $123,000 paid off in two years. Newly married and set, baby. $90,000 to $160,000 was the income range. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free. Yeah. Yeah.
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| 2024-06-26T18:30:00 |
AK
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AK_KSRM_2024_06_26_18_30
| 41 | 876.766 | 882.688 |
Woo-hoo-hoo-hoo! Yeah, baby! This is The Ramsey Show.
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KSRM
| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 42 | 906.732 | 936.254 |
When you're gazelle intense, you know the value of every dollar. And SimpliSafe provides Ramsey listeners the latest technology to make their homes and families safer for less than a dollar a day. And only SimpliSafe offers 24-7 live guard protection. Visit SimpliSafeDirect.com to save 20% on a new system with fast protect monitoring right now. SimpliSafeDirect.com. There's no safe like SimpliSafe.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 43 | 936.254 | 965.691 |
Hey guys, Rachel Cruz here. You know, some people think budgeting means they can't have any fun with money. And I know this because that was me. But the truth is, budgeting doesn't limit your freedom. It actually gives you freedom. A budget is simply telling your money where to go. And the best way to do this is with EveryDollar, my favorite budgeting app. It'll help you create a plan for your money that fits your lifestyle. So whether it's a spontaneous date night or an epic Disney cruise, budget for some fun. Download EveryDollar for free today.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 44 | 966.203 | 981.578 |
Connecticut Water Systems will make a difference in your family's budget and an environment that we all appreciate. Connecticut starts with industry-leading water softeners and reverse osmosis systems that work efficiently to deliver long-lasting comfort that's tailored to your home and lifestyle.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 45 | 981.578 | 1,008.268 |
Your water is soft and looks, tastes, and feel better. And you'll have softer skin, silkier hair, and longer-lasting clothes, fixtures, and appliances, too. Plus, there's no need for bottled water, so you won't be creating plastic waste. Kinetico systems help to eliminate iron, hardness, sulfur, and arsenic. Every Kinetico system is backed by the most comprehensive warranties around. It's why Kinetico customers love their water and refer their friends time and time again.
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 46 | 1,008.268 | 1,026.374 |
AK Quality Water Conditioning has been in the business of serving the Kenai Peninsula for over 40 years. For commercial and residential systems, contact Connecticut Water Systems and AK Quality Water Conditioning at 235-5116. That's 235-5116. And ask for Roy.
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KSRM
| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 47 | 1,027.381 | 1,052.312 |
Hey everyone, this is Carly at the Franz Bakery Outlet located off K-Beach Road. Summertime is right around the corner, which means sun's out, buns out. My pun game is always well-bred. If you need large quantities for an event, you can order with us ahead. If your kids eat multiple sandwiches a day and are needy, we have lots of options like white wheat and even seedy. So rise to the occasion and stop by our location at 34306 Business Park Frontage Road off K-Beach.
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 48 | 1,056.288 | 1,086.288 |
Looking for the hottest pot shop around? Check out Majestic Gardens, where the prices of dank selection will blow your mind. Majestic Gardens, located on the corner of Evergreen and the Kenai Spur Highway in Kenai. Open Monday through Saturday, 9.30 a.m. to 11 p.m. and Sunday, 11 a.m. to 9 p.m., where it's always 420. License number 15393. Marijuana has intoxicating effects and may be habit-forming and addictive. Marijuana impairs concentration, coordination, and judgment. Do not operate a vehicle or machinery while under its influence. There are health risks associated with the use of marijuana for use only by adults 21 and over. Keep out of reach of children. Marijuana should not be used by women who are pregnant or breastfeeding.
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| 2024-06-26T18:30:00 |
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AK_KSRM_2024_06_26_18_30
| 49 | 1,086.288 | 1,114.462 |
This summer, team up with Denise Ashman and Stacy Krause of Jack White Real Estate on the Kenai. With the market's low inventory, Denise and Stacy are your top choice for positioning your property to sell. They provide expert advice on staging, repairs, and enhancing curb appeal. Don't miss out. Call Denise and Stacy with Jack White Real Estate today at 907-741-7253 and let them help your property shine in the Kenai real estate market.
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| 2024-06-26T18:30:00 |
AK
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UNKNOWN
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AK_KSRM_2024_06_26_18_30
| 50 | 1,116.34 | 1,125.828 |
offering common sense advice about your money and your life. I'm Dave Ramsey, and this is The Ramsey Show on KSRM 920 AM.
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| 2024-06-26T18:30:00 |
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