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Okay we're gonna talk to Scott Scott is in Boston hey Scott welcome of the Dave Ramsey show how are you tonight I'm very you better than nine deserves our how old are you.
-- point there are all right cool how can I help.
I graduate college this coming may and -- -- trying to.
Certainly come out me pretty quick especially in the month of July lieutenant.
Because I'm also engaged.
And me and forget me getting married at the end of July.
But I won't actually be able to start my first real job and neither -- because we've both graduate in May until August.
And so at this point we really don't have much income I mean we're both -- is working on our campus trying to subsidize their college and keep it.
Down as much as possible.
She's done a better job to me she is completely.
No loans or anything I have -- about 26000.
And I guess my question -- many thing is just like what would be some things to look out order.
But just the course of action for now to July and then really the first three months -- merit and that's only part that kinda.
Worries me a little.
One point 60 largest and long enough to more available worried about -- you want to worry about those for six months after graduation of course because they'll delay the start of that but.
It's -- it's a really good question you're asking I think there's a couple of different areas we can touch on one is on the marriage aspect of things.
High quality marriages that have a high statistical probability of staying together.
Success -- -- successful marriage one thing that they all seem to have in common is detailed in depth pre marriage counseling.
And some -- really lean on inside man if I was your age that's what I would do.
As matter of fact my daughter who's in colleges just gotten engaged and that's for the things.
Leaned on her fiance when he came and asked my blessing that they need to be sure they get detailed pre marriage counseling as a part of a good way to start out.
-- lives in that in that process of counseling your one of the things you need to discuss his money.
And debt and how we're going to handle our lives going forward and how -- you're going to get rid of this debt and how you're going to build some savings.
And how we're going to accomplish our goals with money and how we're gonna -- -- budget.
In that process you can -- -- practice budgets where you pretend like.
That you you know that you -- that you were married in home paper.
You combine your expenses and your incomes and just see you know what you would do this month even though you're not in your quote real job -- We're going encounter I have a lot of discussions.
About the money subject and put yourself in some situations with -- -- budget exercises where you're forcing some of these issues.
Because it sounds like she's the tightwad near the -- that's way it is at my house my wife's anti.
-- -- -- -- -- -- -- We cannot vote tend toward saving.
I went to an extent because then she didn't.
Well I mean -- so so these are some things to talk that what are we gonna do with the debt now.
As far as the actual money peace what are -- what you do there as you stay away from credit cards you live on a written game plan where you don't spend money that you don't have you live within your income.
And then you develop some goals where you can take any extra money you can pour into -- situation which will be none until August.
We need to survive turn the lights on and eat between now and August.
But as soon as August kicks in you're gonna have both if you both -- -- you're going to be suddenly.
Having more money than you've ever had your life and -- -- be very careful that it doesn't cause you to do something stupid like go up by new car.
Yeah so we drive what we're driving we get the student loan debt cleaned up we build an emergency fund we pay cash for whatever we're doing we do all of that with a written.
Game plan hang on the line Laura is gonna pick up on messenger copy and advance wedding gift.
A copy of our book the total money make over.
Which is a New York Times best seller and -- the two of you'll read through that together kind of measure working your pre marriage counseling.
You'll see huge results as you.
Can begin to talk about these differences and money and how we approach it.
Very very good question sir congratulations you got a lot of milestones coming up the next day or -- in my.
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