While the headquarters, Ramsay solutions run, have faith in the dollar car rental studio. Then, is the day Ramses where'd you learn to take control of your money to create a likely. You allow Maritime Ramsay personality, Rachel crews, billing and per day that this our party is out travelling and right beside me. I have actually good friends and coworker, yes, Chris

right, I love them. So this is so fundamentally they. Let us see this air utterly airing. We're gonna get in trouble to women house in our, and actually both of us are fresh off of maternity leave very fresh when I start back actually next week, but you ve been backward. What amendments Elsa Ben I mean forget it. It's a new normal, rightly going. Everyone told me that going from two to three kids was easier than one or two, and I did not believe them, but we have expired, that somehow, maybe we're just more relaxed. I don't know, but you do you think, owing for analysing sound, two to three was easier: go see, I'm opposite low. Really, you think wondered who is better or easier easier. Yeah yeah two to three can change but we're here or here in an homeward together, barely fairly now. If you want to give us a call at eight eighty, five, five, two to five, we can talk life, money, business and so Christie when all is going on with you. That's exciting. So yesterday was the launch of the business spooky Conference for October, twenty seven,

the twenty four, so we're so excited. You know you spoken this before, but it's just a really fun of it So that's kind of the newest thing we ve Lawrence that people been asking about and it always cells out If we want to have people come early, heads up early bird pricing, that's just fine to see how much this one weekend a couple days, can transform their business this and really their whole life when they get the information they need, gets amazing. Amazing, again, a free call anywhere in the can we triple eight eight to five five, two to five and When did you do a lady's theme hours, the Ladys? If you want to call your guy calling in we'll take your time, we find that make it make it a hour with some, questions from women, Oliver, America so we'll start us off with Amanda main hey? Amanda? Welcomes the show highly these euphoric taking call, I'm so glad to be able to talk to you absolutely only. How can we help ok, so I I feel like I'm at a crossroads between a couple of different principle

really used on the concept of contentment to work. My husband and I threw baby steps. You, but I also feel wake to find my protests with business boutique, I'm not ready to go off on that or, as I am sure like stay in my current job- be content with a life that we have enjoyed, try to maybe work into the proximity principle to where I think my true guests are. Wide say a goal for all of us for you from us here. Resolutions is to do something with you life at your passion about, and you feel gifted annual called any like your created to do, and so ultimately, I would be out of me being content- is not being complacent. Okay, so being content, you can still strive for bigger and better things being ten is just that you have a piece in your heart with where Europe and it doesn't sound like you- have a piece. It sounds like you're kind of stirring into something increase, the ethnic. You see this a what

yeah and I dont think it has to be an overnight changed so that the great thing is Amanda if you're feeling but it is stirring up. Maybe there's something more for me. You can explore that without jumping. If the deepened and putting yourself or your family and trouble financially, and so one of the things that it sounds like you're rustling through, Now that I'd, like you start with kind of exploring for yourself, is if you would like to have a bit us, because if you pursue the route of setting aside business, that's different than pursuing the common proximity small career path and both are awesome, I dont believe that everyone should start a business I'm very pro business. I'm prophesied business make it easy put the cookies on the bottom. Shellfish and a lot of people can do this, but I dont think its for everyone, because at the end of the day it takes but type of person to be ok with risk to be ok with that, for sponsible, your writing, your own checks, and so there's a little. Of a dynamic there that you need to consider. Do I want that? Or do I really like going to

going to office going to a place where they write my checks and there's expectations and stable and there's no risk and got benefits. You know like I said neither right or wrong it's just. It's just finding what's best for you so Amanda when you're thinking, Kind of maybe what's next for you in Europe pouring that I would love for you to look at your options and maybe it's a variety of options like a part time jobs and aside gig, you know you can't get creative here. I may that I'm curious from you. What are you doing now and what would you want to be doing? so am I a data specialists Ah, my enter information into a database, a man I reorganising the pull the report, by it. I feel like there's something and me that I need to share out what Inter not say his name correctly, but look the fire. I encounter leadership the other day and he was Is that how you were a kid? What did you do and when I was a kid I used to speak to me

often the mere arm and share stories, So I'm not sure if they make me some crazy now, but if we do that precisely the saga, so yeah, but something like an that round that you could just that sorry exploring what sounds like that there has as yet been a ton of groundwork lay, but you have the stirring in your heart and I would say, listen to that and, like you say, Chrissy, you don't jump off the deep and right, I'm not saying which adopt tomorrow and goes certain the brand new that you have no idea? you're tone the watered always when you're starting something go talk to people that do it's right. So, like you said, ass are talking myself in the mirror of its crazier. Why but it may be speaking is something. Maybe there is a message that you haven't. I wanna start public speaking, go talk to people that do that because you you get the reality of the job nets, with any job, not just public speaking, but even for that's that's part of our job and our career. I get fun, always glamorous like you see the end product and onstage and the thing, but you don't see the cancelled connection flight that you had in Atlanta and then the

night stay in some random hotel. You weren't supposed even be act as your at a different city. Like you, don't see the whole picture all the time and so go talk to someone who's doing or even people ask me all the time if they want to become a publicly were how do I do it in my youth? to anyone anywhere yet for anything, even if they dont pay, you cause that's what, did Rachel like I've spoken to high school unions, family reunions, Kentucky County libraries on a Friday night like it's, not glamorous when you're getting started, but those wraps are giving you experience it it's making better, and then you also know more about who you are. What you're your passion to speak on and you'll get more clarity about where you're going, but it starts by just dipping you're totally. Doing a little bit of it. Tat figure that out and that's what any line of works. Great question to integrate question on marine from screw asks. How do how do I get my spouse on board? If they're not, he says he is. He says he wants to pay off our debt save money, but his actions say differently, so is it possible to do? Is it possible to do it? Even if you don't have his support, it would be. I always say it

it's easier and pretty much possible. It is impossible for spouses on board, so it is possible. He's getting on the same page in driving the same line like that is so important. It's going to be very, very hard if one spouse is not committed, there just involved and that is that that is a real thing. There are people we say on here Dave Issue right, but though I cannot do it like yeah, we were gonna debt, but I'm ok. If we take a vacation, the middle of the debt, snowball like low, you know no big deal. Ok, that's it's right! You gotta be. If you are committed, that's when you're gonna see results that you're not just involve than it sounds like he's kind of involved, so I would say: Hame sit down, show him the now. And say if we get crazy with this crazy motivated here is how fast we could pay off debt. If we just they focus for eight solid months or whatever it is, we could be done. We could be but for a lot of men they need to see results and visual resort resort, resort, resolve, so make sure that use that you like write it down and let him see it and that aha from people motivated this is the difference.

over the years I've seen so many family suffer by not having life insurance. It's not that I didn't care, it's just that they didn't know. So they did nothing. That's a huge mistake! Listen husbands and wives. Mom and dad think about it. If you die how is your family pay the bills, the mortgage food and plan for a better future is what life insurance is all about, and term life is the only way to go. It's not expensive and it's not complicated. I only recommend Zander Insurance and I have for over twenty years, call them at eight hundred three five. Six forty to eighty two or get instant quotes online at Zander dot com Welcome back America choose a Dave, Ramses Show. I am Ramsay personality Rachel crews felling at this hour with, you personally, Christie Rights, the sun, gas, so great plans that were doing

together. All right wing gets the phones and Shelly from TAT this is on the line hey shape. Welcome to the show thank overtaken their car. Absolutely. How can we help well mobile Marquis? We get I started back in July, two thousand nine p m just July. I December we have around thirty thousand and still am, but We still had a wife and our business here, we're one they go to bigger shallows than what we ve been hitting ass a lot of them. Small local town shows, but to get it bigger ones: we're going to have to have more inventory and more risk and we won, to do that without going into debt kitty. Who is there any advice? You can help me here yeah I'll, jumping on this and surely have you spent some time digging into why you took a lost last year like what what is going wrong in your business, that you have thirty thousand dollars and sales and you're having your expenses,

like that. So have you spent some time to kind of dig into the root of the problem from this last year? what we did it. We did just started, like I said, He bought like a trailer for our mobile boutique in We did a trailer and things like that. So was We started a lot of. It shows that we went you just broke even at an so we even though we had really, which shows that might have been like too much gas or you know the travel was too far. Fires, or something along the lines of that gap. Now I You and then you know. Unfortunately, it's a really cool, one thing and that first year of business to be testing and figuring things out and it feels like some things- are mistakes remain we just broke even in so that's what's great about the fact that right now, you can do, is you can really dig into some of those problems? And I want you to fix it at the level that you're out, I don't want you to out additional debt. I don't want you to try to grow

expanding get bigger, shows and more inventory and bigger trailers. I don't want you to do more of what your you doing. Thinking that the more is gonna be enough to offset the expenses. The cost in the lost that you experience. What I want you to do something to fix it at the level that you're at I want you to get profitable at the level Europe may be, though, shows that the wrong shows. Maybe an area that you can cut expenses to get there. Maybe there's a completely different business model for you shyly, that does it involve going to shows at all. Maybe your finding that shows is not more. Your market is chosen. Profitable for you and you're gonna try a different model, whether its through online or social media. Something did entirely. So what I really want to encourage you to do is to not grow and expand until the business. Just if I sit in that means the money is there and you're gonna cash flow, any growth or expansion. That's the business new, I'm ready for growth and the business Tell you right now: it's not ready for growth. Yet having of acts, and likely try dont want more training online and trying to figure out different way.

When we have a website and we have Facebook and Instagram, but I'm gonna wanna cells are met platform on any about my boy, you You won't say that one of the things that I help women to a lot of times their business be cheek, is to run different tasks and different experience too. Dignify the root of the problem, because sometimes you're not having sales in your website that you don't. Why is it because the photos is it because you will have enough traffic or you ve got the traffic, but it's not converting so love to help people, that. Surely I would love to you. Send you a copy of my book. Business beauty now will just be a good starting point to one you threw a plan to build this business, get it profitable, and when profit one. I think it will be when you get right, then you'll be ready to grow and expand and its great question, I'm glad you called yeah. Absolutely not, when you, whether its business, your personal life when you say that we're gonna do this without dad. I love that because it That's hard line is hard boundary that you ve drawn, and it's gonna force you to get Fraid of reinforcing you have on other questions because debt, then

has this whole other avenue of how hey fella you can like bandaid the problem, but when you don't have that you have to force so they what's working. What's not so, but so great a lover of next is as Miranda from California has marvelled. I welcome to the show hearing How are you guys doing great? How can we help Oki because Regarding my career, I really of all, namely thousands in my current job are now how much again, I'm sorry I'm sorry! The two hundred and forty nine, combining can move about. Two hundred thousand came- and I just got noted, though I'm before we used to make a hundred and twenty and that what might have been makes now and we have about five thousand dollars and that for my question is stood, I leave my

full time, job making ninety five two hundred and take a part time. Jobs work make maybe eighty to spend more time at home. With my kids. Also the current out, but I have now but he told me that I'm really damned if I leave a due to their retirement benefits and the health insurance candidate states lab that I automatically contribute yeah. Oh, I don't want to have its path, water retire with a good amount of money, or I have to sacrificed bad through our sheriff by further ok. Well, let's look at the current problems you have, which is that you guys are sixty five thousand dollars in debt in your saying, ok, what do we want to do so? The question b, you hey, what are you and your husband want for your family? As you can look, it's ok we're in a live on less than a throw all the things you have a great income and invest in clean this up in less than a year. If you really get gazelle intention everything live on rice and beans. Like you do it you can

There really really fast, and so I dont know why you're you staying home, though you can make a. Sad, which is only about fifteen thousand dollars less. So that could be something look into as well, but you need to say: ok, here's our goals, here's what we want to pay off debt. Is it worth saying it for amount of time, and if your absolute dying in your job here think there's no way I can get up every day and do this thing again, then, maybe so maybe weren't at an extra month or whatever. It is so look to see what that taking income down. What that does your debt snowballs? That has to be a decision between you and your husband to make what's best for your family and then that's when you can start work the future when you're looking at retirement and all that you need to sit down with a smart vesture pro run. Some number It's ok! If I go and take this aid thousand our job work at home. I won't have you we can have retirement benefits. You won't have necessarily following k, I'm assuming so, if you're just working for yourself but to go into what are my overtime? Investments look like if our income goes down to this. You know what is

your whole, to set down definitely with one of our smart vesture prose and run those numbers out, but specifically for the present, You got to say how fast we want to get out of debt, and is it worth saying the job for them I really love it. When I sit down when, when I'm looking at a couple of an options, is I think of as many options as I can, so that give one option stay in the job, another option to leave the job and what are the in between think we're. Gonna stand the job for three months or maybe go home and hear Tom and earn this extra money and still pay out the debt so give yourself, as any options as possible, as rather and then what you can do as you're gonna be like when you make that decision, it's the best decision based on all of your kind of analyzing everyone options, have yeah absolutely yeah, you definitely be forced into one or the other. So look to see after sharp, so America, Africa anywhere in the country Triple eight eight to five five, two to five the Christie Right, Remsen personality and myself ritual crews. We are hosting this hour and we said we fund a kind of like a lady's theme, our so guys, you're welcome to call to free country, and if we sea can we just

non answer will see delays, it's been verified, Hannah from Twitter asks. How do I budget on every day If I get paid every two weeks instead of every month, while we teach you to do a monthly budget Hannah, so you're gonna look to say: ok, here's my too, whence settlement to get each month, and then you break it down from there, but then you may have to have a specific timelines. Ok, these bills are due on the fifteenth, so my paycheck, coming in on the fifteenth hey those paycheck coming on the thirty the other. So you do, you may have to finance policy, difficulty if you are paycheck to pay check in so there are some looked to see, but for sure that monthly by That is what we teach and you'll just have to kind of map it out. I love it more specifically with getting paid over two weeks, because that's how we get picked at all. We get paid wherever two weeks. So that's how we live so amazing they'll budgeting is something that gives you control over your money, but also within your marriage. It helps right, so many money fight some money arguments of your married out there you have to do a budget together,

having an honest conversation about money is one of the most important things that you're going to do for your face. And to reach really any goal. You have two budget and budget together. So every color is here for you. This is our budgeting app and its makes it makes doing so easy. You guys it's the tool that I use whence and I actually check that this morning tracked my transactions. I love it. I love it so make sure to got every dollar text every dollar, two, three, three, seven, eight nine to get started today. That's every dollar, three, three, seven, eight nine! This is the zebra hepsey show

your job, USA, saves you money down from Minnesota said we switch from Verizon appear talk thanks today, rambling. I was sceptical, but after leaving the big city in travelling to a rural area, service coverage never lapses. Guys pure talk, USA as the same great coverage for and no contracts, try risk free today, all pound to fifty say the key words Dave Ramsay and receive fifty percent off your first month pound to fifty key words, Dave Ramsay, some back America to see the day Rail Sea show, I am Ramsay Personality, Rachel crews, that filling in four days this hour and sitting in the hot seat. Next, we Israel's you personally Christie right. This is one we ve been having a lady's theme, our so far, so good you'll. Eighty seven callanan, we appreciate it sets of recall anywhere in the country a triple eight. Eighty five five,

two to five as we are talking about the top of the hour. How we are back is for maternity leave. Me I come next week. You ve been back for a few weeks, but the whole: u no work, life balance, especially as a mom, is a real thing and it's a conversation feel like we have as a culture, but also specifically as women right. That is a hard battle supine. So you ve got a really interesting article on Forbes yeah, I'm talkin about this. This is something that I feel like. I'm asked about this question more than any other topic in even with business and just ass. My life balance, it is article from Forbes, is talking about some interesting stats. Twenty six percent of work is done out. Side of regular working hours and I think about my own life and like yeah- that's probably I'm writing a night on the weekend. Just whenever I can kind of fitted Anthony and you could create about what a shame it like. Oh everything, to be done an office, but you start to look like where the unhealthy habits for patterns where I dont have a life where you don't have a life, something else that was interesting.

Or is it says we check email on average, every six minutes and forty percent of people that took the study. I'm use their computers after ten p m. So obviously that's cut, to sleep and I'm curious for you Rachel like for me with when it comes so I found some people ask me about this. I dont have a perfect formula, but I do have habits and so on, you know like from you out of your mind, what does habits that make you create your own a balance that help you do that for me, for example, as we have various civic boundaries. You know like Sunday night is a boundary. We don't take commitments with very few exceptions. On Sunday night we say if it s family I like any time, any invitation comes our way with the Sunday night. We already know the answer we don't like wrestle with it. Are we sure that we feel obligated? Like that's a boundary, we set The one is- and this is most recently Summer- Sun calmly, He can talk or talk about our middle children. Here, I'm his three chapters on he can talk pretty get the other day. He said My phone wishes to my hand. I was looking at him, but he said to me. Let me please put your phone down and Rachel. It was like this

punch in the gut, like just hearing it from my tiny taller, and I went out that Diana bought this like box, that I sit on the kitchen countenance refunds go now. So when I walk in found goes in this box. Did not even have it in my hand, the visual or the temptation to pick it up and look at it when I'm with my kids. But what are you those are just habits. What are you guys do to help? You feel some sense of balance. Between all the things we got going on the attitude. Big things is the phone right technology and might even if it's not even working out, it's yours grow into social media means just like it's just tempting you just attached to it. So I all when we get home from work? I always put my vote in Ireland. I plug it ought to be charged, actually go back there whenever easily back in her bedroom, where I was out in the living or the player in the kitchen, with the kids during dinner and so those back there, and I just kind of like out of sight out of mind you honestly totally and in the end as time goes by faster and and you're with the kids. Your present. All of that, because one of the quotes- and I was quote you

what are you, because you said it often amen sister- is that like bounds is not about being fifty fifty it's about being one hundred percent presence, and I love that being that it gives you the permission to be at work and something that you love to do so passionately for called two's how I filled my work and I love it and, unlike you know, if I'm not work work like obviously an emergency happens right. Obviously my kids take priority over everything but like when about work. I'm able to be present- and I focused on that- and I want to go home saying- is true right. I am now mom and I am home when my kids, work is on the back burner and if there is a company that check, email or something, people not usually can be after seven o clock and then that's got out. Yes, so that's big and then because of travel, because we travel

and I put in a rural. A few years ago I read after our first was born about four years ago that I'm not gone more than two nights, so he just said that right, you know it and I'll come home. Take a late fight in even just for the night at heart, beat them correct, Vesna by black out back out to another city that I'll do that, but that's kind of a boundary. We sat just that, I'm not goin constantly. You know the whole idea of being present to you. Like your saying with this. Fifty fifty split is. I think that to me helped me shake the guilt that I felt, because what I found Rachel that those source of lt in my life came from always focusing on where I'm not so from here at work, unlike our kids, ok or they say they need merely scared of the sad and then I'm home I didn't catch up on emailed at him. A deadline were always focusing on where we're not what? If tell you live your life looking through the review mere, then of course you feel guilty because you're never present a moment there. Instead of such a gift to simply switcher focus

be present in the moment. Your aunt, when you're at work be at work focused on the people in front of you be present. Dont worry about your kids are taking care of their good them in your home. Don't worry about email, closure, computer, put your found out and be present. There are loved that concept of just be where your feet are, and then you shake the guilt, and you actually give people the gift of your attention, which is a rare thing. These two s got absolutely so good. I going to the funds as Stephanie from Minnesota: hey Stephanie, welcome to the shop drinking sir, taking my called absolutely. How can we help What my group is, in my we are working on baby step number two, I'm a stay at home, so what you guys were just talking about really kind of resonates with me warrior

Do you know about it? We got that all figured out in all right. He blames, but it still just doesn't feel like enough and I'm trying to figure out if I should go back to work. If I she just do site hustled, you know what I can do to help contribute to getting rid of that debt. God cigarette question and I feel like there's a lot of women that are exactly understand your spot. We hear this question a lots so crazy. You actually help a lot with women and and getting kind of aside hustle going to make extra money not acknowledged to do it for their passion and their gifts, but also to bring in some extra income yet Stephanie. First, I just want to say well done because there's a value on the fact that you're saying homer tickets, there there's a value and childcare childcare is expensive.

And your work at home is. Not you just sitting around, I know, is our maids and valet rags shafts everything right here too. There is that there's a vat there's a value on what you do. So please don't feel like I'm not contributing enough, because I'm not working outside the home. You are working inside the home and there's a value on what yours in your family and child care costs. So I want to start with that. Baseline of you already are bringing in money for the family by doing that now, if you want to contribute a little bit or in a different way. User gifts have some site hustle, it's easier than ever before. To do that and what I teach people to do. That may just be a good starting point to explore, for you is this with one you have your skills, your strength and your stuff. You start with what you have in coming up with an idea for a site, hustler home based business. It makes it so easy on you to win quickly and to turn a profit quickly and have income coming in, because it's not this scary thing. To learn a new skill and by a bunch of stuff you're. Just look around you when I'm a good at what I have expire

that's what I'm unnaturally talented at what stuff I've gotta sewing machine, maybe a conservative swimming pool. Maybe I can teach summer since I've got a computer. Maybe I could write you know when you Look around you with what you already have you make it so much on you too, when it becomes success, one bring in money faster and then it built or confidence. It's more fine. As aside, don't you making more money. So if you want to explore that, in addition to value your already bringing to the table in your family for baby step to than I would encourage you to that and Stephanie. I would love to also send you a copy of my book business boutique, and that is a plan to start a business. So should you decide to do that any level, even if you just want to make an extra carpenter dollars a year, it's gonna help. You do that. I love helping people get started and selfless down. The formal will send you a copy but I think you see this a lot Rachel with baby step to people want. Bring in more money faster or some.

A good thing, but the really good thing absolutely for sure. But I love that we don't just counts the fact, as people get out of that all the time and the wife's safe at home, and that's what an that's per job. That's what she doesn't. So she focuses on because there's only we said that there's a peace of mind right when the husband comes home from work in your there and you're you're helping our and your doing, what you do at home, like that. That's powerful and answers expansive gosh. So there's plenty of people in America many that are getting out of debts are one and income, so dont lose hope on that thing it's impossible, but if there is something that you have they like man, I really could do this in and it be fine, I would enjoy. Other kids are in school and all of that, and that definitely is an option, but don't again discounts this coming home, because that is such such a gift. That you're giving your family for sure will again a free call anywhere in the country AAA eight to five five

two to five and as this is a spring busy for you Chris here you guys hit the road at all. We ve got our. We got the Ramsay crews coming. I guess winds blew a big thing for us, dumb excited about that in that country. Leadership summit in May a lot of new talks, which I know you know as the speakers customary yet but exciting soviet Libya funds bring all of it, so we're travelling all across Amerika to use that makes your check out all those dates. A daydream see dot com. This is the day rooms issue,

welcome back America to the Dave. Ramsay show. I am rooms he personally Rachel crews, filling in four days this hour. An sitting next to me is rooms. He personally Christie rights, as this one so great, whereas go to the phones, is rosy. Virginia pay, rosy, welcome to the show, hi, how are you guys we're doing great? How can we help I'm I'm doing my husband and I an ideal by third baby in July AIR. We have been working for almost two years on finishing up eighty step number two, which is a big deal my husband got a good bone and raise and we think that we might be able to. In everything off, but we're not sure if that will kind of put us in a situation that might be scary having

their baby underway yeah. Absolutely how much did you guys have left so we weren't seventy thousand right now we are at I we have nine thousand dollar and twelve thousand dollar nice. Ninety five great then how much she does make ear. My I think all my husband makes one twenty two you that I'm sorry up awesome well the rule of thumb, on baby cept too, is always to pause that at snowball when you're pregnant Andrews, pileup cash again just put the cash aside, that way, you can make sure babies here safely you're, here's your here healthy good! All of that then what's everything's good, then you can take the money you have how up on the side and throw it at the debt. Snowball indeed, you want Do this because in a thousand arm at sea, when you know you have a big medical expense coming. If you were having a baby,

when you know that's coming than we always do say, deposit and- and I know you guys- are designed to me- you're killing- you guys are almost there you're. So so close you make a great and come and so even have that money to decide that you know cave. We could write a check. All the debt could be paid off. So, whether you have the cash on the side just in case and then again, whence you guys are home, everything's good than just write a check out and then just pay their us off without money. So it's ok to pause for a little bit and you guys just have a few more months, GAD till July, for the baby- and so that's always the rule of thumb for sure, but it can be. Rosy because you guys are pure gazelle wantonness often it can is hard to have that pilot. Like all, but we could be completely out of debt, so I approve

the sentiment and the exhibit with it, but for sure, pause and have that cash. It's getting gimme that peace of mind even mean going into that delivery is just going to give you the peace of mind and that cushion of saying you know what we ve got this cash. If we need it for any reason of anything could come up, you're, not making any decisions at a fear, desperation cause you don't have the cast, but you're debts paid off, unlike Rachel, said yeah, that's right! that once everything's good than you can pay it off. But congratulations wrote yes, so exciting and rosy contact me. It has been harder for more than two or two to three different experiences that all the discussion rosy. But I'm saying God bless you use the third earlier, but congratulations, that's one! Our next is a man. From Oklahoma, hey a man's. I welcome to the show any guide. Thank you. So much for taking my car, I was hoping you might be able to help me with a small business, start up question: I'm basically my husband, has been a ten ninety nine contracted bar tender Our local wedding venue for the past by you and I clothing, and he wanted to.

Get official, undue his own bargaining service and we're getting a lot of conflicting advice on how to do that. Our eel pcbs said to form an l l fee, some financial peace coordinators said to just Danny Ainge. Until we start to generate income and then my father said Pierre was just Huber adamant about incorporating it? I'm watching a review on the internet right now, like what the difference is that Why don't you? I think you didn't do yeah, I saw a man, we just give you kind of a rule of thumb, and this is something that you know: I've learned from David empty as he's coach people and business through Entre leadership, but what you find is a view seek council through an attorney through Us Epa. There always going to be trying to protect you against any possible, ever ever ever ever, even if that risk is very unlikely, so they like to just cover all the base. As even to access, sometimes to make it a little bit harder just as they really want to protect you David ruled them. Is you don't need to incorporate

we need to become an owl see until you have It unless you have a high liability business. So, for example, had a dream. A long time ago to have a horseback writing in account for girls that high liability, you ve got very unpredictable animals. That would be a high risk business to protect you and all of your assets from anything that go wrong. If someone sued you, they would see the business other reason that you would want to incorporate is if you have excessive or extreme wealth or the appearance of wealth like? Oh people, think you're really really wretch, so they're gonna try to have something wrong complain and do you and take everything that you have. So it's really to protect you in your many financially, if you're in liability business, I dont know the ins and outs abort tending other than just that the Vienna from outside perspective, what I think you're doing. I know there could be some risk there, but I would not say that that's a high liability business, especially without, laws and regulations around that. So you'd want to do a little bit more digging, but I would say most likely your fine operating as US

proprietor, which is doing business ass for the first few years as you get your feet under you and get that business up in but again just with the nature of alcohol. I would You know how to check the law specifically that industry, but most likely your fine as the sole proprietor so good and Monica from business boutique community Chris he has a question yet I love this question, so she sent this in. This is about the idea of saying no, and we talk about this Rachel cause it's hard to do, but it so important and here's what she said. She said I have a fault job, but I love, but I need more income and I have aside gig that I've started I'm good at it with a love that she knows that but have a problem. People no sweat, leaves me completely drained. What's the best way to set myself a boundary and quit trying to please everyone, here's what I tell people- and I would love to know how you do this right. But I tell people that saying no is a muscle. If you never use it, that muscle is weak. So the first

times- you- do it's a little shaky its little awkward at heart, but the more you use the stronger that muscle becomes and the easier it becomes, an you realize, overtime that it feels good and you feel more power. When you have a right to your own, but I would encourage you the one thing I want to call out here, Monica in your question, if your listing right now, as you said, have a problem telling people know some completely drained that So we know that you're in high demand, so you probably need a razor prices. Instead of just trying to please everyone and serve everyone? If your demand is up, that means it's time for the price is too up and you got a completely great justification. That as your demand is going up, but but this idea- Oh can be hard, but the more you do it. I found the easier it becomes Rachel. How do you two are surrounded it up thing? You do it right. Why I mean I first or think whenever you, new boundary in your life and place, whether that's like ok, we're not going into debt anymore or realistic to the budget or I'm gonna start saying no or I'm gonna actually charged for my hobby,

instead of just giving away for forever. Whatever that boundary is a new boundaries, always gonna be uncomfortable because its it's a new way, you're kind of viewing life. You know your beer perspective is, is tat, king and so for you to say, ok, this is to do and when you can have an absolute your minds and makes life easier. So if you have like when you're gonna say now like under these circumstances is for sure now, then it makes it easier to say: ok this is it It's gonna be a now it s practice and I think you have to be confident in your now and it can be heard an awkward at times and you're not going to be able to please everyone in some personalities are more people pleasing than others for short, but man it feels good. When you can take control of your life, and say: ok, here's the margin I have in my life with my talents, my job everything and I'm gonna dictate. What is ass for me and my family in time? And so, when you have that confidence in me, nothing for sure helps now and you teach people how to for you, so it's amazing is your clients. Are customers will begin to behave when you teach them behave, most of them may say: hey. Can you? Can you do this on a last May,

as you say, no, they will give you more notice them get in line. Most of you may lose a few customers, but if someone tries to undercut your price- and you say no- this is the price of oil, and most of all is pay it you have. You are teaching them how to treat you. Teaching them? What you tolerate, what you allow by your behavior and just like, like Rachel, said, feel confident in your your permission in your right to do that, to run your business, that's why I love that. Ok, so one last question Chrissy before Wrap up here, because this happened actually to a friend mine, she's, starting to charge for a hobby that she had this was a really well extra money- and I know what I'm doing I'm really good at, but now I feel awkward going back to people that are used to just give this gift for free and now I'm having a charge. What's your Willa thumb for women and opposition? Ok, so I hear a lot of times of people that have a business and they have family asking for free. So that's a little different than what you're saying as it sounds like your friend has been doing it for free Yes, now wants to talk to those same people. So here's what I would do. I would tell your friend too

send an email or do a facebook poster just almost Kaliko many campaign announcing but she's starting a business and really steer her heart. It's not like I'm starting a business by for me. It's not a sales pitch is to say: hey, I'm still, I'm going to try to make money doing this. I would love your support. Here's the website, where you, for more information and it gives them- and for two to rally around her and they wealth. So God what a fine women's Steve Hour on the day Ramsay Show today Christie rides. Thank you for being here so great thanks. To produce our James Childs and send for filling in four associate pretty and for you, America. This is the day.

Hey. It's Kelly associate producer info for the Dave Ramsey Show. If you would like to be your debt free, scream, live on the show, make sure you visit, Daveramsey, dot, com, show and register. We would love for you to come to Nashville and tell Dave your story money doing what you love check out: Christie Rights, business, boutique, podcast crises, firing and equipping women to become successful, running there There's much hamper see right and I help women all over the country, take their ideas and passions and Hobbes and turn them into profitable business

and you have an idea in your head or dreaming your heart and you ve ever wondered if you could make money doing it, I'm here to help join us on the business duty podcast where we are equipping women too, make money doing what they like she described across Europe's business, booty podcast You listen, the pod cash hates James producer, Dave Ramsay show this epoch.