When the headwaters Ramsay Solutions broadcasting from the dollar car rental studio, this is the day Ramsay Show where America hangs out, have a conversation about your life and your money. I bring hope and filling in four days and I'm excited to be here with you and we are excited to talk with you and to take your calls. So here's the deal if you're out There- and I know you ve- been thinking about a money question or looking for some guidance to be able to chase down progress, we're here for you now, here's what you do you just pick up the phone and give us a call. The number to call is eighty, eight, eight to five five, two to five again, that's triple eight, eight too.

Five two to five and call- and let us know now you can so find us on social media at Ramsay Show, or you can hurt me down at Chris Oaken three sixty either way we want to hear from you, and I also want to give a shout out to the Youtube audience. That's watching the day. Ramsay show they are always exciting and great comments. If you haven't plugged in over there get over there and check it out, it's a great great croup were excited too, you call today and dig in and to be able to make progress. That's what I want people to know. We haven't up ready to grow forward, what we have to do, gain information and then take the right action. That's the deal and I know none of us where we want to be right and it's you the glanced back, but I wanna stay focused forward for Chris available to anyone, that's willing to give the effort and to make the sacrifices Let's get to the phone lines here, I've got looks like I've got Luke on the line in New York Luke. How are you

you have all I'm focused, not finish my friend. How can I help you? so I just graduated college and I, but ten thousand dollars and suitable debt, and I I recently inherited a forty thousand dollars search account with various document wondering if I saw the securities in the property counterpart Sid allowed or you buy, had come to pay out the fiddler. Ok, look like you. How old are you Twenty one years old and you only have ten thousand and student loans. You say yeah. I want it. But to be announced its all, which I know, people don't encouraged, but I got a little further keep your mouth, whether by the receiver. If you don't mind, Do you have any other debt outside of that student? Wonder now, ok, proud of you! and so you look at this and what did you inherit? This brokerage account from

via it was. I trust that my grandparents set up a all right They obviously was very intentional for you and leaving you this money. What is your income right now, He three thousand a year. Three thousand. While what industry are you in. I'm in a reinsurance industry actuarial associate all right. So look at this I think you have an incredible opportunity with this this inheritance, left you Luke to release on the right track. Are you familiar at all with the baby steps? He? I am ok all right, you ve heard it. Where did you hear about impromptu? Your parents? Teach you? Would you learn about it in school, actually I've started watching the day brandy show during my last semester in college Oxford? While so you ve been load. I am so Listen? If you listen to the show, what am I tell you what my advice, I'm gonna give you no, I got it.

Better believe it hey. Listen to me. Luke debt is a threat. Ok steals from you right now, but also your future? You ve got a grip opportunity to sit down with one of our tax Ethiopia and I want you to walk through there, so you can understand what's going to happen as you cash out there. Brokerage account you're gonna incur some that's income. That's come and you say you want to be a warehouse- can impact you on the tax side of things, but here's the beautiful thing you ve got. Opportunity to skip forward in the process can not only attack that student loans that until it to get out of your life, but you can all to build up a six month emergency fund and be Intentional now and then start baby step for just investing fifteen percent. Twenty one years old, my friend, I have no doubt that to be an everyday millionaire, but it- should remain allergic to debt Luke. Let me anything you do. I want you to do with cash. I want you to up for car again if you gotta, call ready on what you to set aside money each month for replacement of that car.

If you were main allergic to date. There is no doubt in my mind by thirty five. You can be it everyday millionaire. To tell you that again, because you probably never heard that you probably have never been too that you can do this, but I firmly leaving you, and I know that you can so thank you. Your call definitely attack. That's the loan and get that about your life? That's fantastic! I'm going back to the votes. We'll get Morgan Online Morgan, can? I help you I am doing great how're. You lie and focused not finished. You sound Pepe today, I'm super excited attack. Oh that's fantastic. How can I help you, sir, have the opportunity to refinance my mortgage from a thirty year fixed at a four point: sixty five percent to a fifteen year fixed at two point, eighty, seven, five, that's a big rate reduction.

However, we have been in the home very long and we didn't put much down because I didn't find as Eve Ramsay until after we bought the house, but it might require us to pause the debt snowball for two months in order to cash flow. The column thing in case the home doesn't upraised where we need to tell you think it will, but there is that chance right if we should go to how much you purchases home for sale. We purchase for one hundred eighty thousand and what was the value when you bought it- right at one aid. It was right at one eighty and you all have been in there how long we ve been. Here a year and a half ochre aright? you think the value is what now. We would need it to appraise at about one eighty five, and I think there is a really good chance. It will be there, but there is a chance it it well.

Ending upon how homesick thought lately alright and your right as you look at that, I wanted to make sure that the numbers were making sense. You know because people tend to think more than that their home will appreciate, like thirty thousand in three minutes and it That's just not reality right, and so you look into this, and so John Baby, step to how much did you guys have right now we have about thousand laughed and what is that break that down for me? Yet so you got twenty thousand and student loans and eleven thousand in a credit card, gate eleven thousand and your payment would go from what to what. With this from the thirty two, the fifteen, it Wade Greece, by about three hundred dollars and utter answered, you say and you'd have to pause, you're dead snowball for about two months to make this happen potential.

So we would need to see what a praises for that figure out how much we need to bring in closing Graham war than a two month bought and the cost of the appraisals. How much to burn told you four hundred fifty or so you look this and I like where you all arm it were your head is, and the reason is, as a you're gone from a thirty year mortgage to a fifteen year, but also Robin your rate from four point: six to essentially You point eight. So whenever you can get them, one percent difference right in your rate at smart move, so I like this idea, the idea of you cutting off fifteen years of your mortgage number one. Let's be honest, that's fifteen years of that out here so that's a positive and your rates pump It's gonna go up three hundred, which is even fifteen years. I like

plan Morgan and on what you got to be intentional. Let's get this appraisal and find out what the deal is right, talk to a real estate, he'll be if you haven't, got a crystal, give restricted our complex dream team you define when near you. This is the neighborhoods assure you know where the absolute best investment you can make is in yourself. If your waking up in the morning dragging you're not doing anyone a favor get the best sleep you ve had on quality, affordable, mattress from tough the needle, they ve got a mattress to fit yourn age and they start as lowers three and ninety nine dollars. I could tell you all about the specks, but I really like these guys. They are an incredible company and they will take care of you get your new mattress with free shipping and a one hundred nine risk free trial at tea in dotcom, that's tee in dot com,

What you are listening and watching the daybreak to show up, resulting in filling in four days, and we love social media Ralph you and, if you're not connected with us, I want to encourage you to you: can connect with the day brains is show at Ramsay, show all the social media platforms and you can connect with me. Address oak and three sixty butts Speaking of social me, I gotta get a question and this is from brandy on twitter. She said my husband and I rent and war. To do a hundred percent down on a home one day it would mean we would have to rent for another three to four years. Already written for over ten years. Is this too long or should we go ahead and get a mortgage? Well, brandy,

like that you guys have been intentional enough to save for this period of time at to tell you not. That makes me happier than the idea of doing a hundred percent down now hold on those people out there here a hundred percent and they think o finance? No? No, no, no, no! No hundred percent down. Needs? No mortgage ever exist, so, if you all, and achieve that goal with three to four more years. Absence least stay the path stay. There and remain absolutely clear, just be very intentional about what you all by and be keep your as wide open it and make a smart choice, that's a good question and proud! and renting by the way, is not a sin renting allows you time to be able to save up money. You can buy home the right way so that that you listeners out there. I want you to be really intentional, keep your eye. Your prize get focus, keep attacking the debt and work. The process, the rest, be works. My friends follow it to a t. I m gonna get to the phones, if you're out there and you ve got a question. I want to hear from you the number two

eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five again, that's eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five Call us we'd love to be able to talk with you, ok the phones. I've got the Heather on the line. Heather! How were you thinking They cover you! Oh I'm focused not finished. How can I help you today? I'm coming because then my husband and I use every dollar budget and found that we're every month, even hours under and am he's been out of work for about eight men and we decided that company I pretty studies there. We got one man to start a business, her hand which has hasn't taken off yet, of course, now and then the other thing was that we took care of em consolidation long and I found out that the interest rate was a thirty percent cut of the dead

and my father won again, and I said how can I help? How can I get help and they say pick alone. Take your second man from your phone k, pay off the bed, consolidation long as only a five percent, down through the following Kay em and then take extra, I know that you are in the red when you, you know why you're waiting for your had ass yet, but that put as that, eighty dollars show every man and unfulfilled, like I've, cancel a camp of cable. I'm dumping even cancelled out of our cell phones, and am you know about ready to do that, to beg you, not it's scary there so much to do that. I just wish back and journalists gotta you gotta go on other. Am The first thing I want you to know is that I hear you ok I hear you, and this is a frustrating time for several reasons. You got some stress. You got things happening and

that you guys, oh right now, I'll total. Forty three thousand. That forty three thousand is that credit card student loans still on the far one Kalen Ochre and humbled. How big is therefore one cologne? There was two of them together at thirty: ok, oh that total of thirty thousand and then get along with thirteen. Let's go back to the thing you said your husband out of work for eight months. What why he does he was trying to get until the flying that says that he was doing, and it just wasn't picking up for him and he is a really good shot. But without hey let you know if you were catering business. Started. We bought the supplies with that first for one key loan and if you know it takes time to build, the business I understand that in the meantime, we need to feed our kids. We got two kids

but you have to do this what's the household income. What's your income right now Income net is about fifty nine. Well. Here's the reality, uncoupled things going on you guys, you got you got a budgeting type situation More importantly, though, you got an appetite for dead. You borrow your way out of this stuff and that's what you ve been doing, you Stealing from your future, taken from the floor, and came to try to clean up. Now and all its this compounding your husband and I idea of trying to start a business. I love entrepreneurs. I love business. I love people starting businesses, but here's the deal right now you guys have to. Need a family. You have to take your business, so he needs to go, get a job, ok, not the job I know he's preferring to be in the flooring industry, but he needs income coming it as a man. Will change his spirit and his psyche to be would have. Are you coming here and then he can

or to work on the Cato business on the side so no more purchasing of equipment for the catering business. You could be by all kinds of things, until tell you all are reaching out. You got a need in the market, are you got people that conserve what you have as a bunch of equipment that sitting there for a large family, cookout. Ok, let's What you're looking for it, It should encourage him sit down. Let's look at this. How do we get some money coming in here and there the key businesses. The thing on the side, that's the thing you Looking at. How do we go about this and how do you approach it so encourage you as you're. Looking at your budget, you guys are probably still eating out and do in some other. The eighty dollars you can, you can fix that right, but It is more money needs to come in and that's the reality and will you can sit down with him? And you guys can talk about that? And yes, still look to get into the boring industry in the catering but he needs a daytime job right now and that's reality talk with him about it and care enough to tell him that

Yet some of the stress and pressure off of you now you're shouldering at all, and this is the time to try to start a business. You gotta feed your view we, then you look: how do we do this on the side be able to grow it and I've got to friends that are in the catering industry and it is busy and it's tough and its beast or famine, and so is the set up, whereas business coming from where the opportunities, and so a conversation. You won't look at it gain agreement on, what's being spent No eating out, I mean, are you gonna? Have some creative meals trusts me Lima? Being ramen, noodles and all the other stuff, but began to get down to bear basics. We talk about that. Is the four walls your housing? your transportation clothing right, how transportation, clothing and then food- and so Who does it mean eating out and our promise if you guys will tighten down that's important at ease one key loans concern we have for the simple fact of were to lose or leave that job. Those can be do unpayable very quickly, typically,

in sixteen ninety days. So that thing needs to get attacked as he gives yourself arrays, because that's the best way to go of raised is the get yourself out a dead. That's the truth! I'm tellin you! Ok! I want to go back to school we have fun with at least one this one. From Instagram List as my husband and I live in California, Pierre School right now, but we can entering moving to another state when he's out to get were cost of living crazy. Or is this something that we should? We be that recommend so ok Moving to another state for cheaper cost of living, listen like the mindset of thinking about expenses, but there's a few to consider with this. What's the job market, and how long are you planning to be in this area are you're moving to, for example, you can the numbers, but is the place you all want to be. Do you have any?

friends, there was this place, you all can call home. So that's gonna be really important thing too That is the cost of the move, Whenever you're moving honey, that's us can be a pretty serious expense. So I would ask you to do some research to really Could this and understand what jobs are lined up to be able to get there, and You hit the ground, enabled to start making some grass right off the bat, move to a new area, I recommend people to rent for six months to a year. You need to the lay of the land and find out where what side of town do we want to be in the schools and things of that nature. So keep doing. Homework, though it

your eyes, I'd open. Let's make a wise decision. This is but a ransom show when it comes to dealing with identity. They have. There is so much more than just financial fraud. Folks, there's medical are deeply aft employment fraud, criminal ADI theft account take over title fraud and tax fraud. These risks account for fifty percent of all. I deeply after events yet they're not even detected by those pricey credit monitoring services and prevention plans. What a joke! That's! Why Sanders idea plan is the only one I've ever recommended, an used for my family and my team plus kids are covered for free on the family, Bland gotta, Zander, dot com or call eight hundred three five. Six forty to eighty two.

Anyone who are listening to the neighbouring Ramsey on Chris Hogan filling in for Dave, and we were just talking with George on the Youtube China we were talking about my show the council can show any was ask me how it's a little different. All my show I do some different segments. I'd do it did you know where I try to give a staff or something that may be people didn't know or something for my book everyday millionaires, but I also do a panicked pump segment where people who, when panic about something have an opportunity to be able to reach out, and we can talk about it now kind of coach him right where they are, or maybe their power because of celebrating something and we need somebody to be able to high five or talk to, and it's always a lot of fun. You can, follow my show its on Youtube as well. You can actually watch me in. Different hair styles and the different face expressions that I make budget so why, on apple pie, gas, Google pot gas as well as serious exam, but I

so do a segment on their. Where I talk about articles and I love it because My vips, those are the listeners they will. They leaped upon articles to send me to get me rolled up right. So they'll send things and because either wanna hear me rant on something or talk about it, but our question article that that some people sent- and I wanted to talk with you about it- is this- is from motley fool that look is five ways to avoid financial disaster you can imagine this grab my since I was like why I want to see what people have to say and look at it on a motley pooled that Norway's Align with what we talk about, not always but every once in a while they gets up right and this one is really good advice. Watch you gonna start to hear things managing money is all about common sense. But as you and I know common sense and always common right, there's some see people out there, but how five ways to avoid financial disaster number one. The article gives these five

haven't emergency fund too be insured, but actually have coverage on herself three get out a debt Obviously you a I know, debts a thief fits the US from you, for if below your means, that's pretty straightforward. Five, save and invest for retirement. Now, read these and I got pretty they sound eerily familiar almost sounds like it's us, given this advice, no, sure they're Listenin, because the advice we people, it actually works as I'd like idea, five ways to avoid a financial disaster. I couldn't agree more emerges, one is a cushion between you and life happening, its impact, to have so once you a thousand dollar store emergency fund and you'd. Think it yourself, that you want to build up a fully funded emergency fund of three to six expenses, that's the key you want to have Just sit in a money market account and its liquid for you to be able to get to living below your means. This is a tip

mindset where we have to understand regardless what you make you want your lifestyle to build, be a step below that. Were you I want to have to depend on a paycheck and unfortunately, as you all know, eighty percent of people are living paycheck to pay check. We break that down, for you. That's like eight out of ten should they could tell your friends accordingly. That is, the aid of the Taliban are living paycheck debate, Jack. If you want closer to home, think of your family members, then it get serious. Or to realise this is something that's real and so on. I encourage all of you out there that are listening to continue to be intentional. As you walk through these baby steps, the a process that works and his changed mill, of lives and it hasn't opportunity to change yours as well- and of you are already in the process and you're pushing that's great. How can you go faster? What can due to continue to chase down progress. That's where you have to think different, we're goin back to them if you ve got a question, I'd love to hear from you the number to call

eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five again, that's eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five would love to hear from you I'm going to the phone lines. Now. I've got Martha on the line How are you going to thank you for taking my colleague Chris? yes ma? Am? How can I help you? Ok out a question for you, my husband retire within the next year will be fifty five that shares are looking to arm tired and I'm here will be given an offer. An opportunity either can take a lump sum up one point three million dollars worth: he can take his monthly pension, and then he would opt in to be for me to get as providing spout if an event he passes all continued. The famous till I die so now. The question is, we are really torn between kicking the lump sum or going, but

you, don't pension benefits, do they tell you a dollar mounted the pension yeah. Fifthly, is roughly fifty seven about a month ago, Are you familiar mortar with a baby steps? Yeah? Ok, I hear a lot about it. Would? What did you have right now Are we on everything pretty much frankly are. The only thing we have right now is a copy of it. Would you that car? Ten thousand hours, Hooker right, your income right now, right now, twin thought about this. A hundred and then suddenly So look at this as you have that option, I'm gonna tell you my preference and suggestion would they take the lump sum and for that, trinity what you have is now you'll be able to control Board which are investing in you.

Able to sit down with a smart vessel pro and sit look. Ok, hey here's where we are here, it's what's going on, and the investment accounts that you all will have together will actually be in both your names. So that's not an issue of a survivor benefit now you guys are both gonna at lumps almond due to sit down with someone as smart. The pro and look at how you're gonna invest this and so gotta be really crucial, but I like, idea! Now you all can understand goals and the timing and what it is you're trying to accomplish. So that's exactly I would do. Unfortunately, people out there aren't given that lump sum opportunity so Martha. I would definitely take that move forward, and be very intentional what your game plan now speaking up, ask me all the time about investing, and you know I talk about this all the time, because it's imperative you ve got to make, but you're putting money, wait for for retirement bottom line people are relying on social security, and I need you to hear me, but government can't count The last thing you want to do is to try to count on them right now.

Security is set to become insolvent by twenty thirty five I know I just use a ten dollar word there and you might Can I go and what's insolvent mean broke like broke? That's what insolvent means right there, and so, We can't do a pin our hopes on that. We ve gotta, make sure we're here. Ourselves. So it's really improve that you engage with an investing professional to be able to you, along the way now some people they are hoping I I drew my own way- got Google and Youtube I'll. Dear me. Ok, you do not want to rely on that are right. I use youtube the other day to try to fix something. Oh my vehicle right that in go well rub reaching out to a professional number one? You don't need me with tools in my hand, that's a dangerous thing, but anyway, the professional in your life, so I want to stop you right here until you, when you start investing, you gonna realize you want someone, that's dedicated to your future. Just like you are someone able to guide you, and so that's why to use a professional. I too people. I want you to become the ceo of your financial future. You know what that means, that chief

thing officer, oh I like that, but that on sticking out right, you're, the ceo and you want to get people on your team to guide you along that path, but you can't delegate your future You can't just handed off to some one and let them go hamlet. You gotta be plugged. Involved, if you're married and what you and your spouse, both to sit down with a smart, vest approach really have a conversation about it. Now, here's what you can do you my website, Chris Oaken, three sixty dotcom, that's Chris Organ six, zero, dotcom click on the dream team button and there. You will be able to get connected to a smart rest approach in your area. By putting in your, the goat and you move from there and I'm gonna tell you. It changes the game because you have an opportunity to have a conversation with someone. That's a big deal and I want you to hear me, they're not there to judge you there there to help you regardless of where you are right. Now, don't shy from that you ve got an upward, he D sit down so just grab your for when K your fault

be your irey statements and going there sit down, and I will tell you, people have told me who I thought going in there they were going to judge me. I thought it was I going to do. Principal's office a reality. Different, not the people that we work with their there to help you I want you to make a list of the questions you have about where you are, and what you're investments are doing and sit down and talk with them watch what happens, walk out of there worth knowing that someone in your quarter, nobility! That's again change your we all need the right people and our corner. The rightly with the right information at the right time can make progress at this is,

rooms, issue you are listening to the main Ramsay show I'm result in filling in four days, and I just had a chance to go on their lobbying and boy. We are visited by all people like from the eastern seaboard. Today, I've got washing the decency West Virginia Massachusetts,

absolutely fantastic, and if you're ever here in the area, come by the office wearin just south in Nashville are you can have opportunity to visit Baker Street CAFE anomalous over there will take great care of you, have cookies and some coffee get a chance to relax and see the show as well as the bookstore. So we welcome you here. I am. Back to the phones. If you got a question, I want to hear the number to call us eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five again, that's eight hundred and eighty eight eight thousand two hundred and fifty five five go to the phone line. Here. I've got to Jeremy underline Jeremy. How are you Are you did I focus the not finish my friend? What's, on your mind, So I need some guy man. I am married two months today, oh well, yeah. My wife and I were in our early forties. This is my second marriage and her first true I've. And you have to you before she is not going

However, where into or into the programme a couple of lessons together she's on board in out during the budgeting and that's the ball. She recited about all that good her. What she's nervous about having managed her own money for forty years. You know by name in charms, could you not having like a joint accounts? rarely uneasy about that. My question is: will it be You know what advisor innovation. Would you have me or for her and gently, if it may be, checks are some time to get comfortable at that I just don't be a lot harder to do budget when your work, your way, do not different. Take action Murray dates and all that gonna stop hate. Let me ask you this year me. What do you think her biggest hesitation is? I think it's just that she's

I think she's still nervous thinking that maybe a budget in a restrictive open- can. I think that's what it is embarrassing and her mind being tall old. What can and cannot do Ngos or burn again she achievement extra money for forty years. I get that, but I think that sort of nano and its That you understand those two things Let me ask you: do you guys, two months of men newlywed? How much Do you all have now as a family? It's not about it forty thousand total. Ok. What does that? Forty thousand brick eventually. So she has a ten thousand our car alarm. I've got about six chain in student lounge. I have up Ouch thousand change and iris and then some my divorce. I've got like some attorneys ease up stuff like that,

what's a household income for you all set our sights balls. Just China got some bumps recently somewhere about ninety one thousand. Ok, ok, with that I've got some jobs or I'm paying out about right but you are in agreement about attack in the debt, correct, direct, ok, and you are in agreement about the the good the budgeting side. I'm gonna do she's a little nervous about it. Yeah she's, gonna, green uncle and aunt. She has not gone through philanthropies University with you. No sir, where were actually a couple lessons and do it together, Rankly together? Ok, good, that's good! conversation Europe. I mean she's had forty years on her own and can have some nervousness. I mean you, you know I mean you as well go into a second marriage. You had nervousness about being married right, but you know You had found the right one, and so

I would have a conversation with her talk about this because, when you guys went down the you said, I do and she said I do it's now a we do, and so now habitat mindset of that bill, paying thing together. It's important and again, control factor. I hear that allowed a lot of people think well. If we do, the budget together are combined accounts than this so this control it me of that person. No, not at all. It's about you all doing the plan together. So I'm glad going through financial Peace University sounds like you guys need to have some more conversations, because the joint account together is gonna be absolutely necessary because otherwise, your operating like two separate entities and any to collaborate, and you want to go together and you can let her know Europe. It's about some things as well, but you are sure about her. I won't you to be assured in the plan that working together, it's gonna, give a great opportunity? Thank you for your call. I back to them I've got J calling a J. How are you?

I'm going to do about you all want progress are not finish. My friend. What's on your mind, My question is: when the middle of the year to worse, he had not got a substantial firelight Kay the two worse, he had got a substantial firelight k and gas substantial amount of you shouldn't to still be x number nine. Should I use up opportunity to pay our father? Judy Arrow, hold on to ask myself. What is that the total dollar, about the dead. Yet the other two hundred and ninety two thousand ok and That is its associated to the divorce, boy, you are pretty much- that's all of our combined debt- that's not a half and have everything

all right and what is your income right now? twenty five thousand, ok, twenty five thousand How much do you have in your for one k right now about four hundred and seventy, two thousand? Ok, So looking at this and walking through an understanding, what's going to be associated to you and what's going to be assigned to her, is going to be absolutely crucial obviously heard distribution. That's gonna happen base on the settlement, whatever you guys come up with, as you wish, through mediation or whatever the judge requires. But in as far as you touching the rest of yours from your for, Kay just to attack the dead? I would not you're making Twenty thousand, you got an opportunity to be able to look to see what it is, that you oh, and have that minds Not only do you really want to take care of your now, but you also want to take care of your future. A lot of will fail to remember that? That's why you're put money away in a four one, Kay

or three b, because that way becomes your paycheck. So we don't want to stop compound interest from growing copper, interests is a bad mother scooter. It helps money, grow and it allows you to be able to see and this stuff starting to move and move, and we don't ever want to stop it and it's just planning a bush. I would not pay Bush and a year later go out and rip it up out of the ground to see him. Its growing as I want to leave it there. I want that Bush to grow and I want your money to be able to grow, so I think you ve got opportunity to dig in get you gonna have to tighten your budget year life all over again as you budget for yourself and understand, expenses, and so you You have an opportunity to recoup whatever you ve lost, you just gotta, this mindset of? It's not gonna happen overnight, and I wouldn't you're, just as a very intestinal, with what you're doing and stay focus You're not finished yet. Thank you for your call. Our next up. I've got Cheyenne underline giant. How are you know why? I guess she denied will talk to me.

Ok, I'm investors bought unwanted happen. Sometimes sometimes the voice turns people I guess I don't know it's not like us. Singing or anything assets hurtful right there artless right again. Let's let's see if shes arrogantly see here Diana you, they're, ok, restricted right. There are not doing anymore as is bottom line. When I do when I talk about someone said me, I got a question and they asked me Chris. Why do you all are so? Why are you so insistent about life? Insurance? Ok- and I want to talk about as for a couple of reasons, because people get this confused. Life insurance as to be able to replace your income. If something were to happen to you and we tell people want to go with term life, insurance, ok, life insurance cover shoe for a set period of time, so you have a dollar amount for a set period of time. Dollar amount. We tell people tinted of times your income, so you take income, write it down, multiplied by ten or twelve. That's the dollar

did. You want to have an term life insurance. However, people say what, I'm getting it through. My job. Is that a good thing? Here's the problem, portable, If you lose or leave that job, that insurance, add value and you ve got a situation, so it's best. The now get it inside of your job to get it outside of your job, and we talk- Zander Insurance as a great operates option for you, but you want to be mindful that understand what she had, because you gotta protect yourself as well as your family will listen. I want to thank

producer, James Child and think Amanda Rogers for help me out here on the call screening- and I want to thank you, America, all of you for turning in listening. We appreciate you every want you to come back. This is believes you show hates breakdowns in senior executive police are for the show. You know you can listen or watch anywhere with a day rooms. He shall have your smartphone catch, the full shell or watch the highlights and check out gaze. Guess, I'd, be asked or download it today

looking for fun and practical ways to save money in your everyday life, you need to check out the Rachel crucial upon gashed from Bunny expert, my daughter, Rachel crews, guises rates of crews, and I'm so excited to tell you about. My party has a lot of you following paychecks paycheck their end ass. You don't even know where to begin that they have this need. This want to get in control of their money, and if that's you, you have come to the right spot. So in Egypt, the cellular and get a time of inspiration and practical advice not subscribe to the rates of crucial podcast makes region nor more from the Ramsay network, including the Rachel Crucial wherever you listened Abad, gush, hey, it's James producer of the Dave Ramsay show this