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March 22, 2021 8:03 am
This is Doug Hastings, VP of Moody radio and were thankful for support from our listeners, and businesses like United faith mortgage mortgage commercials are rarely exciting.
So to make it slightly more interesting.
Here my nieces to do it for me. Interest rates continue to drop like my sister's baby teeth, uncle Larry had still not stair.
It was rates are boring. Talk historically low this year is even more boring. Talk historically lower than the previous point talk historically low sounds boring for so many listeners who just wanted to deal at refinancing right now could feel the amount of light faith in God and that love some borrowers could potentially save hundreds monthly and tens and tens of thousands over the life of the loan and if you didn't put 20% down before somebody ends up having to pay PMI gave uncle Brian I sent we are United faith mortgage United faith mortgage is a DBA of United mortgage Corp. 25 Millville Park Rd., Millville, NY license mortgage backer for licensing information, go to an MLS consumer access.org corporate MLS number 1330.
Equal housing lender not licensed in Alaska, Hawaii, Georgia, Massachusetts, North Dakota, South Dakota and Utah shutdowns of forced companies to allow more employees to work from home accelerating trend was already more than ever the house is a list of jobs so your calls at 805 five 7800 574 work from home in 2021 Rob all go out on the limb here and guess that the surety of work from home jobs this year will have something to do with old computers.
Well, you're right about that web software developing and programming have led the way and work from home opportunities but there are many professions moving in that direction. You probably wouldn't expect interesting. Let's get some of those that we would respect that we would expect to get to those first mother probably respectable as well.
These are coming. By the way, from a survey by bank rate.com and they're not just the fastest growing areas, but many are jobs that pay the best actually at the top of the list is web developer design websites for personal or commercial use, and with websites becoming more interactive and complex at my dad you can imagine the growing need for skilled developers of the Bureau of Labor Statistics estimates those jobs will increase by 8% over the next decade, the median salary of nearly $75,000.
Next on the list is computer network specialist. These folks troubleshoot and evaluate network problems. They do some routine maintenance and performing backups.
Employers have learned that these workers often don't need to be on site to do their work in the median salary here is 65,000 kisses. So far, no real surprises as long as you have a fast Internet connection, you could probably do most of those jobs from virtually anywhere. Well, that's right.
And speaking a virtual state.
The next fastest growing job is virtual assistant. See they provide administrative and technical services in a broad range of industries.
You can go it alone with your own virtual assistance business or higher on the company that makes your services available to clients.
Salaries vary quite a bit depending on your skill set and how much assistance you can provide.
But again it's all done remotely okay but you can't get the boss coffee. That way, sure. You can't just have it delivered. And you could even have a bagel delivered on man after my own heart.
Okay what else. Well, here's one that almost begs to be done remotely and that is social media marketing specialist there in demand. As more businesses require a strong presence on platforms like Facebook, twitter and Instagram to promote their brand and products. Median wage is a bit lower around 38,000 but it's a profession where you can easily take on multiple clients. Okay, now how about some of those jobs that we wouldn't expect to go remote okay how about a paralegals and legal assistants. A lot of research from a legal standpoint and document preparation can be done online now and there's some projected 10% job growth for those positions by 2029 median salaries 52,000. And here's one you probably would never have expected before coded marriage and family therapists thanks to zoom in Skype. These counselors are increasingly visiting with patients without leaving home. Job growth is expected to be over 20% in the next decade and median salary here around 50,000 in your right, I would've expected some of those who have been done remotely but indeed other times they are a changing anything else. Well, since more more businesses done online these days.
Steve companies have realized that if customers are coming into the building customer service reps don't have to be there either. A lot of companies are hiring independent contractors to answer questions, manage complaints and process orders all from home in here's one that COBIT has had a huge impact on and that is of course teachers and tutors schools at all levels of realize that offering classes online greatly reduces operating expenses, so those jobs are expected to keep growing even after coded median salary for kindergarten and elementary around 60,000 a bit more for high school teachers college level median salary for my kids schools of the public ones at least have said next year all of next year there and offer a virtual function. They think it's something really is in normal happening all around us a chance to do moneywise live 800-525-7000: right now so you're saying to yourself, I'd like to speak with Rob last. I know Rob West is available is no charge to speak with Rob West, but Steve never gives the phone number I here it is again 800-525-7000 800-525-7000.
If you have a question or a comment anything along the if you were a former classmate of Robson you'd like your pencils back anything along those lines give us a call right now and we will put you on the air. What's the number again it's 800-525-7000 know Rob were chatting about any new jobs. Any new careers that coalbed has started or that he will do without COBIT careers that are going to continue to be out there, even though they may may morph just a little bit anything else for us that we didn't talk about yeah you know, here's another one that COBIT's had a big impact on Stephen that his loan officers people are maturing houses online so you may have seen if you been shopping for a house you can actually take a walk through in 3D with virtual reality were you don't even have to show up well if you can do that. Why not shop for a mortgage. That way, this is likely to be the new normal in job growth for loan officers is expected expected to increase steadily throughout the decade. Median salary there 65,000 so you know Steve that this is changed so much and although we will return back to some sort of normal post pandemic.
There are a lot of things that I think will stay with us and what you're calling the new normal, about one of the things we know is that a lot of the trends that were already in place have heard many say that they been fast forwarded that you know things have moved forward, maybe two or three years quicker than they would have previously so some of these things that were already going to be new realities like moving increasingly to shopping online. Still having meetings virtually less traveled lease for business purposes. Working remote all that was underway. Changes in higher education, and so we we put the accelerator button on some of that in. I think we are going to see a lot of changes that will stick with us that hopefully will improve the quality of life for a lot of folks as they have more flexibility in their work. Yeah. A couple I like.
First of all, everyone is saying these days that the traffic is much lighter than it used to be on the interstates, and even where traffic is picking up. It's more spread out so the highways have become a bit messed bit less congested in all this and say hooray for that, and then finally just about all of the doctors that I see are not doing it online and I love that I don't have to drive 3040 50 miles to see my doctor. It's quick for them. It's quick for me as hard to take my blood pressure. That way, but every thing else seems to be working well well and probably not for long. Seriously, because so with all the advances in health. You know that of the E if you have an Apple watch. It's keeping your EKG in your heart. Raven talks level itself is probably only a matter of time before there is a Bluetooth become the connection that will allow you to take care just that and that is so your blood pressure so it's all coming and a lot of authority here are how about open and say can we be able to do that if you just put your put your mouth up to the camera and let them take a look they'll give that's serious thought. 800-525-7000. Let's begin.
Tampa, Florida hi Jeanette, thanks for holding what's on your mind about what time so I ran about 4% rule is not included in the corporate difference between keeping between keeping the one that would pay higher one appreciate less than the other. Yes, good questions, Jeanette's let me ask you first. Are you using a financial advisor or an investment professional to build out this portfolio, or do you plan to do it yourself. I found anybody people and that when I found something so can reading a lot yeah I will think that's good and I wouldn't give up, though I would keep interviewing if you haven't already, I would seek out a couple of certified kingdom advisors to interview with as well and others a number of them in the Tampa area. These are folks who have significant experience they met high standards in terms of character and a regulatory review but also they been specially trained to bring biblically wise financial counsel at a professional level. And certainly that's gonna make sure that you are starting from the right place and that is right at God's word you in terms of the 4% rule that you know that's obviously been around for quite a while, the gentleman who actually came up with that recently revised at any said no because he did that, based on the worst possible scenarios, meaning you bought at the very top of the market. It went straight down from there and a whole bunch of other scenarios.
He's actually recently revised.
That said, you should be able to pull out 5% a year, but let's say you stay conservative and stay 4% a year. The idea is that yeah all in view of the dividends, the interest, the appreciation, so both the income and the growth side which would certainly include those dividends gets repaid into the account so that your replenishing what you're pulling out so that portion that's in no dividend paying stocks. Those would be income type stocks as opposed to growth, meaning they're not keeping of the profits in the company to grow at a faster pace.
They're paying it out in the form of income. Usually those companies. Although this doesn't always hold true grow, at least at the stock price would tend to grow a bit slower than a gross stock where everything is being reinvested so they can grow a bit quicker in the stock price should usually go along with that. So you have the combination of the two. You should have some appreciation, but you should also see some income therein. Typically, the higher paying dividend stocks would be in a little bit more slow-growing in a flat but obviously you have that the dividend income on top of whatever appreciation you might see all of that goes back into the portfolio to offset what you're pulling out in the form of income that the key is really finding the right back up balance or mix of investments to recognize the fact that this money needs to last you potentially for decades. So you want to growth component to it, but also that you have a real need for income now and you want to be more stable. So if the market were down 35% in a real recession, your portfolio would lease the stock portion in a wood might be down that much, but overall the portfolio might be down 10%, but you're not going to touch the stock sure to let them rebound what you pull from the cash of the fixed income portion, but all of that goes back into the portfolio to offset what you're pulling out in the form of income and that 4% number is a good rule of thumb.
Does that make sense of what okay very good. Listen if you want to connect with a certified kingdom advisor there in Tampa.
Jeanette email@example.com click find a CK night interview at least 2 to 3.
Find the one that's the best fit for you. I do want to underscore the importance though you've worked your entire life to build up this money. Find somebody you can trust that can really take responsibility for managing this money alongside you not not communicating with you still in constant communication, but really doing the heavy lifting. Jeanette, thank you.
800-525-7000 moneywise live he's around West time Steve Moore and would love to say hi to you today.
You have to place the first number but here's ours 800-525-7000 800-525-7000. Let's go to Palm Beach, Florida hello Heidi, what's your question should I now know how to continue ranking all looking for a bite the bullet and let out and keep ranking yeah yes I can certainly understand where you're coming from Heidi. Obviously if you're selling a home which I realize you're not because you're renting and have been for several years, but if you're selling a home. It kinda normalizes everything right because on the sale you're getting top dollar so that you can buy at top dollar and 10. Everything works itself out. The opposite is true when the housing market is a bit depressed, meaning you're not going to get quite as much when you sell your home but you get a good deal when you buy the homes everything, works out, you're in a different spot because you're renting, and so your buying in without the privilege the benefit of enjoying that top dollar sale of the home that you already own. With that said, I'm less inclined for you to try to quote" time the market given that this is your home and the reality is rental prices are very high right now and you're not you enjoying any benefit to building any equity over time.
So the only thing that would really slow me down is if you said a know we don't have an emergency fund be in addition to that emergency fund and we don't have a down payment of at least 20%.
I mean, I'm hearing that you you have zero debt. You've got the 20% down. We didn't talk about the emergency fund, but hopefully in addition to that 20% down, you've got at least three months expenses. If not, I'd wait and build that up. But if those things are true, and it sounds like they are as long as you're planning on buying a home, you can stay in for 5 to 7 years then I'm okay with it because even if we were to have you on the market. Let's say the housing market continues to climb this economy, and we expect based on the economists I talk to that are godly men and women who been doing this a long long time really good at what they do think that US GDP will grow the fastest. It hasn't 20 years this year. Now does that mean next year the year after we couldn't have a two or three year recession know the economy is cyclical.
We been you know growing in the stock market's been leading the way for 12+ years. Now it's overdue for your the cycle to rollover but that's what I'm saying.
5 to 7 years because if you can wait it out and even if we were to have a dip you probably build up a little equity over the next couple years. If the housing market would cool for a couple years you were in the recovery and now you know you're starting to think about your next home. That's maybe a little bigger. So from that standpoint, I say, as always, you can check those boxes and boxes in terms of your financial foundation. I'd say go ahead and make that purchase but here's a big one.
Make sure that you don't buy anything that overextend you make sure that the principal, interest, taxes and insurance payment is no more than 25% of your household income on a monthly basis so that reflect on everything. I just shared because of throwing a lot at you will wear my nature. Much you know you can't share how hard not to feel like were making it hard. I purchased high and then we ended up making that are coming home from family member. I think I like to tell me to an inflated email market right now kicking the can down the row in return my call will get down yeah thing I would add to that displeased with you to set Heidi's. Keep in mind you, the timing of what you described in 2006 versus when you sold in 2008 because of an unforeseen family situation. The required you to sell was very unfortunate timing because keep in mind that you bought at the top and then in 2008. We literally hit a financial crisis driven by the fact that that the housing market was in a bubble, so is kind of the perfect storm that you all found yourself and where you had to sell in two years right at the same time you with major financial systemic problem in our economy that had to work its way through. That's a once in 100 year type of event and mean it couldn't happen again and we keep our trust in the Lord and nothing else. But I think you know the odds of that happening again are very low. The other thing is, keep in mind one of the benefits of you buying now even though the market is very high is we have very low interest rates.
So on the 80% of the value of this home that you can be borrowing for were talking historically low interest rates. You could buy under 3% in the form of interest, which is going to help to offset you, even if the housing market would cool off in the next couple years you're going to be borrowing money likely that a significantly higher interest rate at least a percentage point you know for more. We would expect. So I think all of that should be comforting. It sounds like you all are following biblical principles you have for a long long time. That's good you're trusting in the Lord giving you're doing everything right. I would just step proceed prayerfully and if the Lord confirms this that I have no problem Heidi we wish you the very best. We appreciate your phone call today.
Thanks much going to take a brief break from him back to say hi to Priscilla, Kelly, and perhaps you 800-5515 Eva Kelly and Tim see you out there. Hang with us, but first it's Priscilla in Naples in which a situation is hi how are you thank you for taking my question. I 65.
I had gone through divorce at 60 so we had a division of marital assets. We were both self-employed, with some no 401(k) retirement. Basically we had land to the date Ramsey Connor lifestyle. Everything we owned was paid for so you know that was that my husband's plan for our future anyway to make a long story short, he went through divorce. I own my home.
I follow no debt and in 2018.
I was involved in bad car accident and I did receive this past year, personal injury settlement and at that time I did have a little nest egg put away and I I do live a pretty frugal life and like I said I'm out of dad. I have a modest home that paid for and so I'm trying to figure out my Social Security is and I am still working part time myself.
The security is not large and so the money that I received.
I need to somehow make some income off of it. But I also, since I am turning 65.
I don't want to risk anything I I am afraid to lose it because I don't have my earning potential is obviously going down so I'm struggling. I did contact online King because I do listen to your program a lot. I did contact to try to find a kingdom financial advisor near me in the closest one is 2 1/2 hours away and I'm really not that comfortable with that but I just don't know what to do. I do know the stock market I think is we've got a crash coming.
I do believe that and so I get don't know how to invest this money to you had some kind of income coming in that can supplement my income through you know the next 25 years of my life. That's helpful. Priscilla, I appreciate that backgrounds couple of things were done here today.
I want you to stay in the lines we can get your information will see if we can connect you to somebody closer. There are some cicadas there in Naples.
That's where you are the should be so much closer than 2 1/2 hours. But secondly I would just say, well, let me ask this. Are you comfortable sharing the amount that you will be receiving.
I've already received it about $350,000 okay and you mentioned it was due to an accident. Other ongoing medical costs that you will have where this money needs to be available know it does not meet there are ongoing health issues.
I would hit my head on by a commercial truck so now there's yeah and I am grateful to even be walking and alive. But anyway, that's a miracle in a testimony on itself, but based on the income you have right now you expect that your bills will be covered for the rest of your life. Just based on your modest lifestyle and therefore this money would just be available as excess if you need it for long-term care. Something like that or a portion of this now. No I yeah I will need about $12,000 a year to supplement my income. Okay are and that's guaranteed income or that's based on your working right now. Now that's what I need. In addition to what I my Social Security on an annual where my life is now, I would. In other words, if I didn't get this money I would have to continue to work make supplement my Social Security working because of the car accident so I had to start looking at 62 and unable to go back to work part time. Very good. Well the good news is that that Social Security this is going to continue the rest your life. If all you need is another 12,000 a year. That's also good news because as we shared with the previous caller Mr. Bingen who was the one who came up with the 4% rule, who now says you can probably go to 5%. You know that's a pretty good rule of thumb in 4% of 350,000 is 14,000, which would account for you know you covering any taxes that should be needing to be paid out of that and still give you about a thousand a month to supplement your income on a very conservative basis, but I do think Purcell it will require that you have a portfolio managed by somebody you trust that has at least a portion albeit less than half I would say probably around 30, 35% exposed to the stock market and the idea would be that with that portion because people are living longer if the Lord, to reason, you're in good health. As you said this money needs to last potentially the next 25 years or more.
And if that's the case that's why we add this stock component, even in retirement because it gives you a growth component, but the idea is that if we were to and let's say you're right.
Let's say the stock market has a major pullback use the word crash in the next couple years.
You know, we've seen historically over the last hundred years, every time we get into a major problem with her was the.com bubble or the housing financial crisis in 08 you all of them.
The market does recover. We work systemically through those issues and we have certain levers that the Federal Reserve and the US government can pull and we can work our way out of it.
Now I think long-term have to do with his debt issue and I think we will then there are some other challenges we have to keep in mind one of the biggest economies in the world still growing had a very good clip and I think we could weather a storm like that but there would be perhaps a year or two were you wouldn't want to touch the stock portion of that portfolio, but by design, you'd be able to do that because you want to let those stocks recover your 35% pullback in the market which would be a major pullback you know would still mean that the in of the 70% of your portfolio that's in fixed income and golden cash and no other type, income type investments would be very stable to offset what's being pullback in the market. That's where you would draw that 12,000 a year from and you let the rest recover but I wouldn't try to do that alone.
I would get a trusted professional to help you with that. So let's do this. Once you hold the Y will get your information will connect you with a couple cicadas hopefully much closer than you think.
Let's see if you find somebody to you. Thanks a good fit and talk through that not some is trying to sell you something, but somebody who could really help you build that kind of portfolio that would give you peace of mind to sleep at night, your trust is in the Lord, but you have your being a careful and wise steward of what he's entrusted to you with the significant amount of money Priscilla stand. The line will get some additional information to thank you very much for that, you know, it sounds like a Priscilla is the kind of person who really lives on a budget and we applaud that, but we also live on a budget here at moneywise and it's important that we let our listeners know at least on occasion Rob that we do have needs and that this ministry in this radio program wouldn't exist without their generosity. What it's exactly right Steve you know we are listener supported so that we do what we do on the radio every day, in partnership with Moody radio because of your generous support to moneywise and so we do ask from time to time that if you benefit from this program you consider yourself a part of the moneywise family you're here by appointment.
On the way home or at work or wherever it is as you're getting ready to cook dinner if you would consider's investing in this ministry would certainly be grateful it's quick and easy to do to set over to our website moneywise live.org button that's there there that says donate and that you can become a monthly contributor. You can give one time and we would certainly be grateful.
Rob, you mentioned earlier in the program that the people we know and respect think that the next year or so were going to be pretty good as far as the market is concerned should we expect that even on the spend big changes at the White House right now you know there's no reason to believe this economy won't rebound as we come out of the pandemic and growing good clip and I think the market will follow suit shall see, and the Johnson Controls will be in forest in Vienna even listens to us over W and I know what your question you with us. I go right ahead and thinking about how they want to put my name and my blood brother's name on them. I think if they can't pass away make you care for you. Often folks will put their home in their children's names or add them to the title to avoid the property going to probate, but there's not really a big enough reason to do this, and there are some downsides. You know, in terms of the downsides, there's the loss of control. So when this is done, you're essentially giving up control the property making someone else the legal co-owner with you, or instead of you. To the extent in their replacing you and they're not good to put themselves on it. It creates you know an inheritance issue. Potentially so. If the child were to die before the parents their interest. The child's interest could pass to someone else, which is not according to the wishes of the parents of their note putting this name on there prematurely and they may wanted to go to a child, but they may not want to go beyond that to based on that child passing that may happen exposure to creditors of your child has a tax lien or some other judgment. It's a taxable gift so potentially have to file a federal gift tax form. Although there's pretty massive exclusions that would make sure that there's not any tax have to be paid leave stuff to file it and then there's tax issues as well. So, the basis for the property for the home would be what the your parents paid and not the market value at the time that the property was transferred to you. You know at death potentially potentially down the road and so it would create some tap capital gains issues that wouldn't be there if it was passing as an inheritance with a stepped-up basis. So I think there's enough reason not to, but this is something where we get into these type issues where you'd want to consult with an estate planning attorney so I'd look for one in your area just to talk through all these kinds of things.
One of the things that could be done. Is there could be a trust created and then the home could be titled in the name of the trust which would allow it to pass efficiently and according to their wishes outside of probate but not prematurely, until either they're incapacitated or they pass away, so there are other ways to do at that wooden crates of these challenges that I just mentioned by just adding you all, or instead of them adding you to the title so that you don't have an estate planning attorney there in Indiana connect with a certified kingdom advisor on her website moneywise live.org and asked for referral to a godly estate planning attorney who can help.
Perhaps your parents, and maybe you with them and you visit together. Think through all these issues. Even a great question. Thank you very much out to Warren Ohio hello Tim, how can we help you today sir. All we never really got a budget and orderly click put on my heart. Help us set up a budget and summarily help that he not only help us to have a week we formed a friendship okay just better locks them okay. It was just such a blessing. I mean just this. How how you help with some parts were related to friendship with you go out because of what I'm missing that you know often that means obviously is a financial professional typically working on a spending plan would be outside of the normal course of business, but because these folks are you there kingdom oriented kingdom minded. They want to help God's people, many of them will allocate a little bit of time to do this type of thing. Just as a service or a ministry. So I'm delighted to hear about that. I will say for those so folks are listening only to one help with the spending plan. We do have a group of godly men and women were trained in volunteer just for that there colder moneywise coaches and you can find firstname.lastname@example.org or Tim, I appreciate you getting that thought giving that shout out to Jeff.
That's that's awesome to hear. Hey, how can we help you today what are you familiar with what you think about investing in tax lien. The deed you know I'm not a big fan yeah I would call myself an expert in this by any means you can get a decent return, but it can also be quite risky. So for the benefit of her audience. This is basically when somebody doesn't pay their property taxes rather than starting foreclosure, the municipality of the county and put a lien on it and then later sell that lean that auction to a private investor then when you buy that lien. Essentially you're risking your money you're hoping that the taxes will eventually be paid plus interest to you that you know and you could earn that interest rates of 3 to 7%. If not, you have to start foreclosure on your own it out. The benefits are that it doesn't require huge investments you can diversify by buying several different liens for different properties and locations and get a decent rate of return.
If everything goes right. I will say though. On the downside of sometimes homeowners failed to bring their taxes up to date your lien may also expire in your not able to collect anything now tax deed investing is different with texting, investing, the investor receives the deed to the property and yelled the for yelled. The cost of the back taxes you could own the property outright, but you will most likely pay far more than just the taxes because tax deeds are auctions off to the highest bidder.
So where you have competitive investors.
These bids can almost mirror the real market value of the property. But then if you get one you to hold the property long enough to get a better price than what you paid, you might have to rehab it at that point you'd kinda consider it a flip, but I think both of these Tim are kind of realist, risky real estate investing options you have to really know what you're doing or you can lose a lot of money. So for me, although I like your real estate as another investing asset class. I'd start with something that's more passive, like stock and bond investing.
But if you know your maxing out your 401(k) and your you giving at the level you want. You feel like you want to diversify into real estate. I'd probably go hook up with somebody who's done some real estate investing. The traditional way. Were you typically buy a property or buy into a REIT or you got good rental income, you know, if you don't have any experience with tax deed investing then no or tax liens that I would be careful Tim, we hope that information helps you.
Thanks very much. And again, thanks for the nice words about one of our certified kingdom advisors in your area. We are able, or were glad that he was able to help you Tampa Florida. Candace what you question for Rob West side are 25 years and now we wait we find I lack in replying again but not to be redone so at one point they get the kind of a bat like that show on TV. I let Diane regularly thinks out one you know what you recommend me a cocktail that led or can you tell me now.
At what point do you get telling a Catholic talent and credit somewhere out. I appreciate the question Candace and I think the first issue is recognizing there's the financial side and then the non-financial side.
So if you're just looking at how can we maximize this as an asset in terms of getting the most out of it.
You know you'd want to evaluate where is this home in terms of its field market price today based on comparables based on you know how it's been upgraded and so forth and are the things that you could do. Probably not much because you would want to do a major renovation expecting to get full value out of it. When you sell it. There's only certain things you want to do mainly repairs and curb appeal. Maybe paint and you know the carpet that are going to allow you to maximize the sale, but renovations you're typically not going to get, you know, at the most. You can get 80% back and often time certain things get even less than that.
So if it's purely a financial question.
You know you'd approach it entirely differently than this is our home and you know we love this home and we want to stay in it.
We want to enjoy it. We want to continue to improve it and you know that's really a decision that you and here you have to pray through just in terms of your lifestyle and is this what you need and is it too much and where you want to live you know in the next season of life.
Is this the right location so we don't have a lot of time left, but just kinda give me a breakdown on is this a financial issue or is it a nonfinancial issue in terms of you will making this decision about water, so I will let not file now or getting older. I want to let the revenge of the nation and not to be done. You all had those conversations were you sit down and talk about the reality you've been through this before. So the two of you come together to sense is this really what we want to take on. I have some concerns you want to hear you out. If you have those conversations and you kind of that it odds on this okay well you know I think you just need to get a sound simple, and I know it's not but I think you're going to just have to make this a matter of prayer and at some point decide you know what is our vision for this next season of life for us know what is God calling us to where we want to live what we want our lifestyle to be doing one more time available for church and volunteering to do whatever he has for you and is this the right season for us to take on a major renovation for your husband may be a hobby for you. You're looking toward other things, but I think coming together and creating that vision first around water value.
What's most important to us. Where is God taking us those of the conversations I think you need to start with, and that that's way before you even get to okay so now what would you do with the house.
That's a vision for the next season of your life as a married couple and then we soak it. Based on that vision of where God is taking us. Now we want to stay in the home and take on a major renovation. We want to stay in the home and just be happy with it but we want to sell in downside and by something we don't have to touch so we can just enjoy those things of I pray first approach him about that and maybe take a weekend together and see if you cast a vision for this next Candace S you, thank you so much for calling in today. We wish you and your husband the best money wisely.
I was a partnership between Moody radio and moneywise media. Thanks for listening doing this again tomorrow