Debt, Budgeting, Savings, Home Buying, Retirement
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This is an unofficial transcript meant for reference. Accuracy is not guaranteed.
From other quarters of Ramsay solutions, broadcasting from the dollar car rental studios. It's that day, Ramsay show what
damn cages, king and paid off home mortgage, has
the place of the Bmw
the status symbol of choice. I'm day, Ramsay your host, you jump and we'll talk about your life in your money. The phone numbers AAA eight to five.
Two hundred and twenty five, eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five
in the immortal words of frosty. The snow man had been
be new year, everyone were so glad
with you is kicking off the new year. Lots of wonderful things
mean for you this year and I were honoured to be part of it. So, thanks for hanging out weathers
ready to change things.
Are you ready to transform? I read kicks
stuff in gear, like you, ve, never kicked it in gear before
year baby, it's a whiteboard, its wide open
you gonna, do with it, you can save for the future. You could build wealth he could get out of that.
You could actually get control of this stuff called money. All you,
is a plan and that's what we're here for or heard here
The information and the inspiration to go about the business are changing your life. I know it sounds corny, but we're
point factory over here. It's what we do and we are happy with that. Were all about you having the best possible turn out for your future that you could have?
Now we ve been talking about this stuff for years. How do you eat an elephant abided a time you have to have a plan.
Taken overwhelming task and make it workable. You break it into
pieces and put them in order of attack than we did. That was
personal finance thing, some twenty,
Five years ago it's almost become tribal, speak inside the tribe. You have to be able to speak the verbs, the mounds of the tribe
And it's all about the baby steps and people call another show a baby steps are only start out with that is if everyone
I knew what a baby step was. So we thought it was a great year. Does
we want to start out. The new year's say: hey: let's go through the baby steps for the whole, our we're gonna take collars this hour from baby step. One baby steps to babies have three four five six and
seven, so you can get the idea. What's going on the baby stuff
an order. That's why
steps? If we wanted
a different order, we'll put him in a different order if they work better and a different order,
put him on a different order. Don't fix this, it's not broken
baby step wants you save a thousand dollars for your beginner starter emergency fund, too, is
of all your dad. Accept your home working your debt, snowball list, your debt, smallest, two largest
pay minimum payments on everything, but the little one an attack the little one with a vengeance when you're dead, free
but the house feels good doesn't say yes,.
There were no move on and save.
Margins she fund, fully funded emergency fund. Go back to that thousand dollar account raise it up to three too
six months of expenses and then, of course, we're going to move on
baby step forward that point four: five and six we do at the same time, for you put fifteen
None of your income into retirement.
Until now. You ve not been doing money into retirement and if you are, you should have stopped, and then babies,
five. As you starts, I've ever gets college above the fifteen percent going into it
and any other money, we get our hands on his baby steps. Six, we pay off the house early and when no house payment and money for kids, college and retirement under way there's nothing left to do in baby steps seven but become very wealthy and outrageously generous. You ve lived like no one else now you can live and give like no one else again we're at all.
Folks at each baby step if you're on one of those baby steps and you that jump about that jump on the phone numbers triple eight eight to five five, two to five. We are glad
You are with us tee
is gonna start the stars off with baby step one
a Washington Dc Happy New year to era
happy New Year sergeant
let's go out! Will you and baby step one well, I started off
here. On November, around November I heard about the baby steps Facebook Group, while black girl, the social work.
We were talking about let loose called right inclusion. What's a gradual black girl them so sure that's great. There were also some workers.
And they were talking about you, don't let it gave them or that the margin arrange Louis you than I was gonna jump on board. You know that's. A great discussion
Every one of us, regardless of ethnicity, need to let go of our generational issues used yeah.
And some are unique, F ethnically and some of them are but everybody's get generational stuff.
I don't want do that, like the
generation that right! Yes, exactly so
very cool, so you got started in
January right now known
November's when I started. Ok, very cool yeah,
that started a new job under the government contract in November and
there be an awful before time too. After a couple months,
Oh right now I have a full time job well make about seventy two year and have a part time. Jobs were I'm gonna, probably make about twelve to fifteen thousand. Is my estimated cause? I'm a therapist
I can keep clients goin. I have about suddenly seven thousand a debt. Fifty two
thousand is or fifty five thousand alone
I have about seventy five hundred left on a car, but was due to be paid off this year, as I just wanna show the rest of it
personal small bank. I don't wanna, make twenty twenty by year. Amen
I am now going to show you how much of your time
One of you got done, I'm a half way through
I got quite a bit
probably finish up this month or so yes, good, oh yeah, then babies
no just work at purer and
means is you're going list all of those. That's not counting your home small,
two largest that bastard loans can be your last one,
Your pay minimum payments on ever
the little one. Then you're going to attack the little one and so
seven thousand dollars in debt, and your household incomes don't be one in twenty two any kind of calculating
in eighty five and eighty two and eighty five thousand ok, how much you think you're gonna put on debt and one you out of eighty five
I'm really hoping that I could do like twenty five thousand, I'm thinkin thirty. Thirty
be twenty five hundred a month and not to put you out of debt,
in a little over two years. Okay, so thirty thousand
we haven't, I mean you may be able to do more. Even I don't know what you're you know, what what
some of your lifestyle? You ve got living
They see that you can shop, but what
happen is, as you get more as you get the thousand dollars in the bank. How do you I am? Twenty nine is just going to be like the first
make up a thousand dollars to the sad and never touched it it s. Just like a breakthrough emotionally in it. Yes,
That is a generational thing, but is also like a grown up. Things like I know, people
Maggie eighty and ninety thousand hours a year. The work in the system for the first time in her life they shut that thousand dollars aside, is like mine,
minor, by his thou, both your fingers right, that's not what I'm talking about,
but I'm saying when you set aside and its there and you're, not gonna touch it the changes everything
You definitely got this twenty. Twenty is definitely gonna, be your ear t era and very
cause, I'm glad I got you found out about it, interferes with group and were,
the walk with you, Sir there's, you call us back as you walk his journey baby step one
complete and then head straight and of course, maybe step to with
then Johns baby
may know this.
Is that I Ramsay show
business leaders make twenty twenty the year you find the right team members to move your growing business forward. The thing out
about linked in jobs as they look beyond just the work scales and put your job posed in front of qualified candidates who match your business requirements.
We quite it's, no wonder a higher is made every eight seconds on linked in higher smart
fast and twenty twenty twenty get started a and get fifty dollars.
First job post visit linked in dog
slash Ramsay, that's linked in dotcom, Slash, Ramsay
terms and conditions apply.
A new year, America walking through the baby, steps in detail, taking calls from people in each of the baby steps. This baby steps theme our take up the year. You need a clear plan to execute,
Your execute exactly not is but-
actually like. We target
You're gonna have the best of your life financially
and if you want to mess around with this convent reinvent your own thing, you can do that, but we're talking about what works
What millions and millions of people have done, and it's a proven clear path called the baby steps for.
Lamenting, common sense and biblical financial principles getting out of debt.
Saving money. Investing
money for emergencies? How do we do all of these things? How do we build
how do we increase our generosity? Otto increases
change your family tree. The shortest path is through these steps that take you first out of debt and then in the wealth building.
And I we covered them in the first segment- we're taking calls from people about each of the baby steps as we go along, which brings us to baby step
two Stephanie is in pencil vainly and getting out of debt is baby step to working the debts
while paying off everything, but your home,
funny. How are you
better than I deserve happy new year, thanks
so how'd you get started how'd you get started on this journey, sound
brother actually with when through baby tat, one until became that free and then he bought a kick in the class December of two thousand and seventeen for Christmas. So I've been doing it.
Eating. Shall year ago you took off a two years ago. You took off on our journey in
attributes university in your you're on your way in baby step to getting out
So what have you done so far
so far? I have paid my credit card and then three student mind why
time and how much data be laid off total. So I paid are forty thousand dollars toward my dad
How good for you and what is your income Stephanie.
So my income- I make around forty three
than the ear jobs, but I have risen while you don't gray, ok very thoroughly and you paid and you and your pay off twenty thousand bucks a year at so far out of
without more income, much impressive! You wanna go
How much are we got left to go?
about thirty thousand the girl, I believe,
Glass fell, yes, obeyed her office around thirty thousand? Ok,
and since you ve already done forty, you know you can do thirty right background.
Very good,
shop you today
so I have like that, before the three worry and
work, has a significant about of interest rates, so
I wanted to know if its beneficial to consolidate those were to keep them separate ones. The outrage below them.
My highest minus ten point. Seven, five per cent
they're all are only good lunch. There are located
and what's the other rights,
nine insects. Ok,
and consolidate what right have you got a quota consolidation? I
now. I would think you can probably get down to six or so
Are they federally in church to launch so the wine that six percent is a fact?
learn. The other two are private through discover the private ones are harder to consolidate, but
Ok, so let's say you ve got thirty thousand over that.
Say you went from temperature.
To five percent is my gaze: shall fat five percent will be
three thousand hours I'll be fifteen hundred dollars a year. Your saving! Ok, that's helpful! That helps get
I'd like to have fifteen hours of you said to me I'll. Take it but
but it doesn't solve a thirty thousand other problem. So I dont mind you
consolidating, because it helps a little
reeling. Ninety five percent of the region, you're gonna, get out of that, is you
you, are the special sauce. The interest rate is not the special sauce. You are so it's ok to
affected by all three to five percent or something and helps a little, but the MAC that you
doing such a good job on forty thou.
Our year attacking this.
Making such good progress? Really, I'm not just I'm not just Rhonda. Give you a
compliment here. I want you to understand. You really are impressive, you.
Who are the secret saw, so you stay excited you stay,
game on you
They are the restaurants used stay offer vacations. You work, decide how you work and work and work.
Work and work and savings scrimp and an hustling ground, and that is
years more important than the interest rate. But if you
consolidate them and get him all right for the one year that they're gonna being around you or so then that's how it full. But it's it's how
ninety seven percent ring you don't get out. That's gonna! U three percent! Coming the interest rate! Mathematically, that's actually true, show
it's ok to work on it, but don't look for that to be the saving gracious,
already found the saving grace she's in your mirror, she's your secret weapon,
Her name is Stephanie and she's impressive. Well done cat, I'm proud of you
phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five, the baby steps today, Stephanie's in baby step
who ploughing through man she start off with fifty some thousand dollars in that sixty thousand hours in that as plowed. The forty of it already has pretty impressive humming, it's amazing and and making no money, and we made an forty. Those large year should not make it four hundred thousand here. So very, very good, very, very, very well! Then! Ok, so maybe step one thousand dollars we'd than the first segment, save that our first collar tiara was halfway. There baby step to pay off all your debts, except her home, listing the smallest largest in that order. That's what's definition the process of doing
in such a good job. Watcher debt free everything, but the house that moves us to baby should have three were Cathy, is in Oregon Cathy Happy New year.
We favour you better than I deserve. Tell me about your brain,
three, how you doing me: huh
liar are currently everything babyship tree and we will have three months of our emergency funds saved by next month and I'm curious if I can squeeze babies have three b in between
the three months and the six month, because we have no insulation and our walls and we keep our house at a balmy sixty degrees, because it is upwards of a hundred two hundred and forty per month
keep her another sixty. Are you moving the legislator
no, are you
The biodegradation I just want to buy a phone call.
Well, I wouldn't be really three b. That would just be a budget.
On that you wanna put in which would slow
things after you get your basic emergency fund in place, and, yes, I would, I would definitely budget for insulation in the walls. After had three months
the sad and then, if you want to go back- and you know the only difference in three and six months as just your beefing up- it's not that you don't have one now. If you said back, I want I want
Stop Andrew insulation before I have any emergency fund other than my baby step? One, I would say: don't do that, but giving but get the three months done first and then that
You know that get that gets you done and then and then you go and you know do some other stuff. That's gonna, edgy right now,
installation, they ve come edgy and then, before
do some more luxurious type spending which you can do in baby step. Four, five and six are you may want to go back and beef that up a little bit and that be ok to hey, guys,
got a free preview for you forefront,
obese university, over six million
People have been through this class in the last twenty five years and here's the thing we're gonna
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You want to watch a link on on Youtube, a free press,
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They are a commercial and infomercial. It's really gonna help you you're going to want to see this lesson there were putting out there
to start off twenty twenty. How do you do it? You text? The word watch
Thirty, three: seven: eighty nine text. The word watch two three, three, seven, eight nine.
How would you like to get to the end of this year and the almost out of that risk?
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you know you're we're doing the baby steps theme. Our two kicked off the new year today, and that means we're taking a collar from each of the seven baby. Steps to illustrate
what they are we already talked to. Someone was building up there
and dollar baby step, one someone paying off their debt, using maybe step to using the debt. Snowball baby steps,
finishing the emergency fund at three to six months of expenses, Tuesday night
January. The seventh are gonna have a very special event: a free free, free free for a reason
word preview of financial?
he's university, if you would like
to watch it. We will textual link.
And you have, the decision is attached to get that. Link and we'd like to
Let you see how far Atropatia fifty works over six million people have been through financial
conversely, and learning to walk in detail these maybe steps in walking them with a positive peer group right
but people doing the same thing you're doing. Instead of making fun of what you're doing, that's a big deal, shot
watch on,
January, the seventh of seven p m. You have to have a link
you get the link. Ah there you go. You text. The word watch to thirty three
seven, eighty nine, seventy nine text. The word watch
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free, a preview of in anyway on Tuesday night, so check in whether baby step
four is saving fifteen percent of your income. In
retirement
Rhonda is on the line with our baby step for question
a person working babies to have four from New Jersey around our area, crybaby doing great pleasure to talk.
You you two shall tell me your story. How long you been work in these steps
you start it might have been an eye. When did you last February, twenty seventeen and
that time we had a little over a hundred thousand dollars and tat. We were able to clear that for just under two years, while air,
and will soon go you about that as we get into
the new year for twenty nineteen has started to work our babies
So over the course of point nineteen we save forty five hours,
and that three and now we're heading Enzo babies that for finally
so you paid much that total chauffeur a little over.
And say forty five thousand and innovation?
did that in a year and a half or two years, while pretty impressive,
Last January start for you allow back there,
The agenda is a good time to start all this stuff. That's how we feel for our very cool so
I mean you have no dad and forty five thousand hours in the bank in two years. You were deeply indebted, had no money how's, it feel I'm leaving
The only way to describe it amazing, you're on your way to everyday millionaire status, fast, archer, absolutely absolutely partial failure on baby stepped forward and how much you guys
what your household income to sixty five o
Ok, make us or serious bank what I'll do for a living. So a doctor.
Being an island marketing both done very well actual, an excellent excellent,
so you're, saying fifteen percent of two sixty five is the gulls starting now right yet and your questions what so the question is now my company offers the Roth for a white k without glance it max out. My husband, however, works for a small physical therapy practice and they don't
wherefore okay, so for him we were going to do their bit
so I already since we can't do the world, but that only brings us up to allow twenty five, twenty six,
We still need to figure out what to do for the rest of it, I'm under them.
Russian and hopefully, I'm wrong that I cant do a traditional irate with I'm already doing them, one by one.
You are wrong? Thank goodness good
Thank goodness you so
yeah you're in your ingrate shape your gun building all kinds of stuff here, so I mean
You can do nineteen thousand in your fora. One k you need to go
thirty, nine up! Thirty nine
forty rotten,
going here. That's gonna be fifteen percent to sixty five. So if we put
eighteen in your fora, one k that leaves us
twenty me to go.
And both
You can do Roth, I our age, but you can
do them directly because you make too much after which call a back door Roth issues. What I do every year,
the Chaldean, I'm thirty six amendments
in our view, catch English, six thousand each and
you do is you can have it once a year I dont in one fell swoop here in January, when I do it and honest open and after tax traditional, not before tax, traditional, okay and after tax traditional.
I and twenty seconds later I roll it into a Roth. Ok, can you that's called a back door,
Roth if your income as to how to do a directly
into a rod. You have today a two step procedure to get there. If you
It was one of our small investor prose. They can walk you through that
and I show you exactly how to pull that offered it is it just a little too
It is always gotta extra piece of paper worker do with it, but I do
every year and I make way too much to do the took to qualify
actual qualifying guidelines. Now,
the sea. That only gets us to twelve though, and we ve done the eight to go right needed. You got me
you need to get the thirty nine you got. Nineteen at your place
or put another twelve in, and so we need to go.
More does your husband have anything available. I work nothing at all. Nothing at all
Does anyone have any self employed income now, none at all,
then you don't have any other retirement options. They
You can do now is just a start: saving in a traditional mutual fun,
are allocated with eight thousand hours gone about a year and I use that
probably what I would do their in sheep meat we vesture pro and they can work either some options, but
regular investment. There is no tax break at all. What your problem!
look for his watch call a low turnover mutual funds,
and that means I don't sell the stocks inside the mutual funds very often, and so there's no
taxes on the growth until you cash out the Good NEWS,
any cash doubts. Can we taxing capital gains right, not an ordinary gum right? Ok, so
and I saw you like in essen- be five hundred
because I almost always have a low turnover ratio in their locations to and that's what I thought
extra money, and that is not
qualified in any kind of return, a plan, but I dont think you ve got
any other other than backdoor Roth's and your Roth, overwork. I don't think you ve got in.
Their options. You can go to at this time, but you
do fine european
fine european, great shame because kill it
Yo Rhonda White ago great great, maybe step forward.
Lindsey is next em
Lindsey is in California for baby steps.
I've talked about saving for kids college happy New Year, Lindsey Happiness
you, sir, so tell me
story. How much of you guys done so far. Hello to taking you to get to babies have five journey actually started
in twenty fifteen on when my husband I got engaged and
Father followed you for many years and said you know
my wife and I will help you pay for your wedding. If you read the total money make over several women
reading your story which had been laughing into our family. I am so without hope. We were able to
Why are you wearing ourselves with my parents? Thirty, five thousand, all big wedding.
We came home from a honeymoon workaday their settling into wave found out. We were pregnant and went into
Let me say that about that: within twenty seventh year they became whom we turned out to be a little bit,
and went out of gave orders is where they fish iron, save for a three be inside of three
while the new home- and I had our I've- heard it only in December- twenty eight p m- we were you know about it.
New heard, I was afraid either and we have no emergency far and what are we gonna do
had been putting into retirement and so had. I sat down with it by please
if they want to monitor the rest. The story and we'll talk about your question for five would come back from the break so baby.
Upstream our Europe
Dave Ramsay shut
happy New year adds up baby stabs theme or on the day rooms pay. You can join us for a free preview of an enterprise university Tuesday by texting. The word watch
thirty three seven eight nine
toward watch two three, three, seven, eight nine will send you a link to a free preview to financial peace university or covering all the baby steps too.
Lindsey is on baby step. Five,
Lindsey from our own babies to have five and your question about babysitter fathers? What can I question is where its thinking
second child in May
My question is what we should be telling our money to deal if we should be increasing requirement to thirteen percent going to start mood or potentially setting up there-
higher, which I am. I ran the cards.
Ready to die on the site.
For the car is a budget item in anything.
Add something to the budget and lowers your ability to do for five six, but we start with baby steps for before we do anything once you're out of three.
And that's fifteen percent of your income going into retirement
dad.
You're saving towards a car and that's gonna, reduce what you can put into five and six
You start, but you need to have something steadily going into the
babies accounts in baby step five for college, our
If your hundred dollars a month ago, be alive and let's get something, let's get the muscle of college savings built and then in a watch
that going and you ve got everything else handled then will be
it sounds like you guys need to work on. Your budget sounds like yours,
a little is flying around
as you say, an almost get by on the fifteen percent, now be set up for fifteen percent. Before we move on to baby step five and then, of course, that brings us to baby step six, which is where Michael, isn't it
as I Michael Happy New year having earlier days per year.
Better than I deserve, sir. So Europe
we step six guy workin on pay it off your house. Congratulations how long you
organ: the baby steps five years
wow shall January. Another January gas January's good time to start to stuff. So much debt
have you paid off so far. Six hundred
three thousand dollars good Lord
and you worry of what you do. What you're just start January. We actually went through financial police in September
twenty fourteen, and we made a commitment to it and January. First
my baby girl was born and we drove our whole five hundred dollar color.
With new rat daily were wayward, we were in it away.
I love it and you past six hundred ninety three thousand and five years from financial busier, there's so good so
or to baby steps in paying off the house early you're already putting
in retirement and kids college. What your question my question is: we can finish this up and twenty four months
You know we are running out our own house in, but but we will have a really strong desire for over two years ago,
christian school men were five year old children.
You been in the school in two years. Art are tell your old will start she'll be eligible to start
school. We can hold her off rule more year. They put her mother's day out church and weaken, knocked his house out or wicked back off the house a little bit and install her in the four k it the christian school. Now, what what would you recommend? Google cost seventy four hundred a year in which
Linda. I want warning letter, so this is a seven thousand dollar question after you paid off almost seven hundred thousand, whose yes, sir, I think you're gonna be ok, either way dude and I probably would do what your heart tells you to do, which I'm guessing. You start your kid and delay slightly paying off your house Bismarck Delay at a year, its seven thousand
Our question, sir, has held a a little bit, but I mean you ve done so much so fast
so well because of your intention, Amity and here's the beauty of this
really not a wrong answer to your question. You could go either way. It won't hurt you. The beauty of this is you are choosing to decide this on purpose instead of acting like you, were a victim
choices and all we had to start getting screws arena. Rejoicing now, yours,
we haven't. We have a choice.
The side which ones best for our family. When you
like that with intention reality, always
gonna come out ahead. There you're always
Gonna win very, very proud of you, Michael, so
very, very well done excellent. Excellent job. Man really well plight
baby steps avenues when your dad free witches were models cumbersome,
how's everything you putting money.
For a time at you putting money away and now your own baby steps seven ass release.
Like no one else now you're able to live and give like. No
else, and that, of course is where rig is to finish our baby steps theme.
Congratulations Ricky made it to baby steps. Seven very go all! Thank you! Dave
You been working to stuff.
When we started in January twenty ten again and
January Yom added yeah. So are we had maybe some six and nine January twenty sixteen wow,
good for you, and here we are ten years later and your cooking gash man I'm a year, its game,
stale you're doing this. Are you
so. How old were you when you started this? My wife and I were fifty five, ok and so now you're like sixty five close to it there, while while cool. So what your question about baby steps, seven so we're on babies that seven and sows weren't burden sharing retirement,
talking about poor boy by about retirement every day. So how do you know when it's time with you? It should be not a question of money,
be like. When do you want work, and what are you gonna do?
Let me remind you, Sir
What, if you want do now, but
There may be some, you know if you stay a few more years and then we may be able to maximize this, or that might be worth it
a toxic environment. You might get on out. There's no problem with that. If you got something,
want to do that. You're, Encore career, you won't let the curtain come down. Carton come back uptake abound onto the next thing.
Then you got plenty of time to do that. A lot of people make a ton of money from MID. Sixty two mid seventies.
Because they step out and do something. I've always wanted to do, and it now just for fun its monopoly money. You know, you're not trying to feed babies and stuff
So there you can do any of us anything. You want you naughty.
My situation is, I intend work and taught does not work for me.
What I do I like doing a shower
Were they only I'm not gonna, be only shows of equipment can sense when they take me off, but
until then I'll be coming down here and go in all being on.
Very probably grasping or something with my voice right, but
can't do it. I join speaking in the cost of now Margaret continued run, the company that would be unhealthy
the company. Is the ceo shall step aside from that in a few years, but
for now, I'm both
and but my anticipation is, I I
ever anticipate not doing something because I get joy out of embracing the marketplace. I'm on an entrepreneur in.
Like to teach. I like what I'm doing so. If you find something like that, I was
retirement, you know, is not retirement.
Target for so long has been cast. As I hate my job, and I can't wait till I get to sixty
I don't have to do it anymore. Will you pass that a long time ago? Man, I mean so just what do you want? Do your life? You know you got a wake up like your eighteen NGO,
my dream, and what is it I want to do in, and I wanted to keep your omega really good money and will give you a few more years, because I like piling up these Benjamin's or home. I hate this place. I can't get.
Way to get out of your wouldn't get out there. You don't but found something to do.
To lay your hand to you got more join your life when you're productivity may, when you're productive duchess, we all do when you're serving you get more joy than when you're just sitting room fishing Doc. I so much golf and fishing. You can do it right
and so on. But I have some fun, though you ve earned it congratulations everyday Megan! Her well done well done well done! Well, we again,
coming Tuesday
January, seventh, a free preview to lessen one financial position
you did not mention that it's free freezer good word tat. The word watch
two hundred and thirty, three thousand seven hundred and eighty nine, that's text. The word watch
thirty, three, seven, eight, nine
renewing our Magnum bag, twenty Twond, your baby, make it happen
guys visual,
Ramses, we'll be back with you before you know it hey. It's Kelly, says he producer and thats rate over the day, Ramsay Shell. If you would like you to urge every scrape live on the show, make sure you visit, Dave, Ramsay, DOT, com, flash so register with love for you to cover national. Until they hear story,
money, isn't the only thing we talk about around here. Get life. Changing advice on your career from my good friend and career expert can comment on my can com and show, according to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, it can com and show is for you. Everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will,
If you discover what it is, you were born to do and then we'll help you create a plan to make your dream job a reality. You matter and you have what it takes
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Transcript generated on 2020-02-21.