From the head waters of boy, I'm sorry solutions broadcasting from our car rental studios. It's the day, Ramsay Show where that is down measures in the pay it off home mortgage taken the place of the Bmw, how's, those status symbol of choice. I am diagrams you, your host, thank you for joining us. America, open phones, I've AAA eight to five five two to five Chris Organ Ramsay Personality number one by selling author is my co host. Today you jump in, Talk about your life in your money again triple eight eight to five five to two

drew, isn't Gilbert Arizona drew welcome that I've Ramsay show I gave creature and retired people? last night into those goods that are already has to try to sort out. then followed. You goes for quite a few years and are our kids are a product of the the teachings basically on your principles, so I got five kids and I told my eldest son money is doing your eye that I was going to be able to pay for five kids go to college, so he started pushing a lawnmower started doing our work, doing things, save for college did actually started the girl for making money and is a natural, cheaper lunch he's a horseman college. Now You saved for all out to pay for The savings account

and now he's just making more money he's got raise. Recent figures are coming here and try to help them understand what to do what I do. I advise the return and help him plan delete your college and then but he had been true to his hard work and dedication. What to do with that great care and proud dad do not obey well done. around on. Well, I mean I'm ok with people not in except into their education into themselves rather and school, even It means there is a pretty good sized pile of money when they come out. when you come out of school and then your full time into the career, whatever that is in itself like this guy's gonna, be entrepreneurs having an extra hundred thousand laying their to start. Your life is never bad, The solution

in this area and has to do with finance right off the market I wouldn't I wouldn't around with a line too complicated. If you park in something like you know, index Fond Arsenal. there are some five hundred Chris. What do you think I would just idea drew I'm gonna help you to be very aware. His mouth important investments in himself right now and take care college. So he can have an interest in it. But I would not put him in that game. Just yet you know you might take him, go sit down with a smart Bristol pro start to look at those words and talk about investing some to allow him to have an interaction and gain confidence in terms of I'm gonna start my wealth building process, I'm going to start my retirement process, can it's ok to, but

most important goal is to make sure he graduates would no doubt any graduate Jai agree, and I think you go in with him drew it can have a conversation. Learn you can talk with him and I don't see a problem fanning the flames of knowledge for him, but as far as doing it, I wouldn't get to tactical right now, but he's done an amazing job while and be sure to celebrate him as that dad regular. Let yes, so he knows it a man Anthony is important. New Jersey, high Anthony. How are you. who are? You did Then I deserve. How can we help I did so I may twenty two year old, I live in New Jersey. I have a killer. having chevy Curs towards about three thousand hours have eighty dazzled three lease on three fifty g The driver should encourage that refugee were like. I got over, keep this fix up and trying to sell it? By now I have an apartment

the rent is, told him a month, but I am sputter with my girlfriend and I pay nine hundred. Sheep is the rest my question, is I'm looking up and you call Do I have it is kind of giving the problem itself so Looking at sea, maybe getting like a tree comber sunlight that bomb, but the only issue is the cars About fifty thousand dollars I have eaten thousands now, I'm just trying to see what you think. If you think I should poetry answer me expensive. I. What do you make? Fifty five thousand Kirsty well a rule of thumb. I use is not own things that have motors and or wheels added together that equal. more than half your annual income because they all go down and value it doesn't. Like you're gonna violate that I'm confused as to why you have to cars.

on the surface by cars that are, I got used to work on car, so I know a thing or about them Do you miss? I was just a really good deal Banda so inspector like some issues within us plenty on selling it all goes home. A soldier outlet, it's just my driveway, I'm coming so you'd feel the gun. Savagery. Crews in your daily driver would be that the two come were hold on a minute here. Three, if you said you work on cars, why can't you fix? No one! You drive, I but the thing is I worked at a needs cost about Europe probably around two thousand hours? That's all! I distinctly large where I got through ok yeah and you got the money. You don't wanna, be below your emergency fund of three to six months of expenses and you're, getting pretty close on that, because you only eighteen in your ombudsman and fifteen right,

right. Here, though, is the thing I don't wanna get below whatever three months of your expenses? Are you don't wanna get below that in the account after you by the triptych? Well, every cell, the chevy. We get rid of the knees on sea and then use some of the money out of savings and get a new to him car. That's why I'm here, but if you may not ray emptying? Can I not made the fifteen k out of pocket cause? You got to proceed from motor car out as regards come now that that may make up the difference in the emergence of Uncas three K left and that emergency fund sound shallow, does Dave, I'm assuming Limited Jersey, so they mean us as their. So let's just make sure you don't leave yourself vulnerable because of a stupid car. That's what it comes down to some. We're twelve thousand workers by that might be draft. I don't know, but somewhere in there and you're, not over half your annual income invested in things with wheels and motor show you're cool there you're paying casually cool there. Overall, the dealers good just don't ever get below your three to six months of expenses in emergencies, because Europe, fighting trouble. Try.

They actually sending out a ticket is even if you ve, gotta, pick up gigs on the weekend fix and other people scars, that's a natural side. Also for you, you love cars. You have the skill and talent to be able to work on em, so again thinking outside the box and you hold off two or three more months and then maybe you can go get that other fifteen thousand down exactly right sacrifice, yadda make sure you have a plan for that. We live in a coup. culture and I love cars, I'm a car junkie, so I cannot enjoy process a mess around with them and I enjoyed haven't a nice one and all I kind of stuff, not Gaza care. What somewhere else thinks artists like driving and but the thing is they go down and value so fast and it the largest thing. Everyone buys the ghost down and value a ghost the wrong way. So you ve just got to limit the damage that it does

finances, and that's why we say no more than half your annual income tied up in it, even if you're paying you draw really fast through weathers. That this is that I am sure pay folks can comment. I love my burst. Sonic toothbrush studies show that smiling, improves your physical and emotional health and make more likeable the soft charcoal bristles powerfully, remove plaque and will make you he's wider. Your smile brighter and your impressions better and burst. Smart and affordable replacement head subscription is just six dollars. Every ninety days visit burst oral care, dot, com and use. The code can gravel burst, brush furs, Lois, forty, nine. Ninety nine that's burst oral care dot com,

This organ brands, your personality, is my go home today: open phones, a triple eight eight to five five two to five paying off dead is, of course, more so being in investing, is of course mark, but there key to winning with money, that's often forgotten and that protecting your family from urgencies. There are ten kinds of insurance coverage that are good at Lahti, fiction that world, but you might need

all of these two guns, depending on your life stage, and we built a tool, show you what coverage you need to add. Dropper just takes only five minutes. It's the coverage check up to get your phone out and it's free text. The word check up to three, three seven, eight nine text check up to three three: seven. Eight nine are questions that I from blinds dot com. They have a one hundred percent satisfaction, guarantee means If you miss measure, you pick the wrong color they re, make your window blondes for free free samples shipping new promos. All the time used the problem Ramsay to get the best possible deal alright. Today's question comes from my link. Oliver knew he says: I'm currently saving fifteen percent of my income into my rough or one k plan through my poor. Therefore, one k plants portfolio is based on my year of retirement, I'm thirty eight years old and make her on one hundred forty thousand a year. I was

drink. If you recommend sticking with what was pre arranged for me and my works for one cave portfolio spread the money out into my own into the four different categories of mutual funds, of her jewel talk about on his show, or is that not an option with sponsored Roth for poor one case. Well, I mean does Michael what it sounds like is they ve got? U n a target date fund and a target date? Fun is simply this. It's just age based has Can you do with your progress or future is just making an assumption, so I'm definitely going to recommend that you utilise the four types of mutual funds that we talk about. Yahoo, a better Rachel return. These I don't believe in the pre packaged portfolios. If you can, with them at all if there's a way to avoid them depends on how your for a one k service,

structured the thing, but I don't want anything that pre arranged for me enough work of one. Can I want you to decide what mutual funds your money going into? I want you to make the decision. I want you to be in control of this. The pre arranged part scares the crowd out at me, so I'm with Chris recommend, and I personally don't do prearranged. We don't even offer prearranged portfolios and, in my four o k for our thousand team members here, for it would just put major VON options up there. We expect you to learn about them and choose for yourself like a groan, because it's amazing they, those funds, automatically assume that you gear down and take absolutely no risk or as also not get any growth after a certainty. Which is ridiculous, so he again you want control work with smart breast a pro and invest in things are gonna bring you a rate of return

because in Atlanta High make welcomes that ever actually show I gotta go My men are going up, were now. I know, MR you, where I'm getting married in July was likely to be answered. Yeah, yeah, yeah Super Saver decided asked himself His great work like that of our future and additives day. You guys Reprogram is something that I I love in a for me so well. of the brain and thirty in love all ends no wonder that there were two sprang up our debt and we talk about attacking it really between the three of us into us. It's just my far ass your lungs. Far and I wanna get Europe your opinion on it. If you think that actually works, good, bye and more attack, Mr Railway, ok,

that do you have so my few loans is sixty five hundred, which I plan on having done do I can through I'll my car, which is extremely thousand and her father witches. I now passing Nokia and what you make Gabon ninety Why you're on combined? Yet what do you mean my people? what she might she makes forty shake right, a thirty six, o clock I took it you dont pay on each other's dad and it sounds like when you get married, you're gonna have to car payments. Were the ninety thousand other income in that's gonna, be your first order of business is to knock those out. Do either one idea, big money and savings? Yes, right now that forty five, that oak, How much does she have saved.

and how much you are planning to spend on this wedding Bobby about in the rest of my parents who can Are you planning on spending on the wet amateurs you're the arch? I got Not the parents may be about either each out of pocket. You and her drunk, I see you have forty five you're gonna spend five on a wedding she has. Dane she's gonna spend five on the wedding, and I get that right. the rest of it other than a thousand dollars. Both a you're gonna write torture dead today, she's gonna put or a car and you're gonna pay off your debt. Today you for that is that in several convincing lie I, in July. I, I guess the scary thing of of a brain it down to the debates that one. But we are not you girl,

don't worry, you only got twenty two thousand dollars in their right mind: Niner so you're gonna have Europe, ten thousand dollars lying around and cheese. Be a baby step one yet and then, when you get married, you're gonna pay off her car after you combine your accounts after you get married Nick you gotta be ahead of the game. Now. What would you- having right now is called cognitive dissonance that that is Europe brain is going. I hear Dave and Chris, but that's not what I was desired, though this is new and you're right. It is new information, a totally different way of thinking, because we want you to start that marriage off without having debt hanging on for ten or fifteen years buddy, it's gonna drive for you guys to start to really save up a fully funded emergency. If you're willing to pay off your card, they make you shall it

we're hold only just heard it. They know I'm new to him. He could do it nick you gonna do I believe in you file If you do, that. The reason that we teach for wage neck is the shortest distance between where you are and wealth, yeah and so you keep your show? You finance a separate, proud, a marriage and babies. Once a thousand dollars anything above that goes on all of your debts. In your case do all that it you're still gonna fifteen thousand left over an you need thousand set aside for the wedding she needs. Five thousand set aside for the wedding already. Did that and then you're going to continue to build your baby step three until July India. Fully funded emergency fund and she's. Gonna. Can you to pay down aggressively on that car between now and July and

If there's any car debt laugh and they're probably will be with her after you get honeymoon or knock it off. You're gonna write a check and be done with it and then you're a hundred percent that free by the way, you probably have five or ten thousand hours left over. After all, that happened just by July because you're a safer and you might party you take what was paid on the car, the student loan, what she was banned in the car start save in that torture, fully funded emergency phone man. so fast assembly at a young age, we'll start not the right way. That's boy Nick play this callback play it, listen to it with, gain agreement, Pinky swear and right. Jack said the father. Add for the wedding mess up the when no mention of the wedding, but you guys. a good jobs. Ivan money. You done, allows a job managing their money and so we now I gotta, defies now we're gonna fix wrangling going up the mess. It really is that's what it comes.

so we know from studying millionaires that the shortest path to being a millionaire is not keeping money on savings. Where you have a car payment, it's not on the list I that millionaires there now and what knowledge things I did on the list. Middle class people. Do it all time, but now millionaires showing

what do you know? What do you want to do or you? How do you want with money? This is that I am she showed twenty twenty is over. Let's start this new year, strong make sure your housing strategy is working for you. The right plan can lower your interest fees drastically and ultimately, have you paid off years before others talk to Churchill. Mortgage call AAA alone, two hundred or Churchill mortgage dot com. This is a paid advertisements, animal less idea, one five, nine one: animal s: consumer access, dot, Org, equal housing, lender seventeen, forty nine Mallory Lane, Sweet one hundred brilliance and see three seven zero to seven

Chris Hogan Ramsey personality is my co host today, open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five Christians in Dallas Texas, a Christian. How are you David Curse thinks thanks this particular time. Could I sure how can we help. There is much more simony Rosner Herman Mulberry blushed at dollar gift opportunity, getting a thank you to, just look at the background are currently a semester ahead, and so I would have been only too much superior knowledge. And I decided that nobody does for me to take over. Simon, denounced, take a step back and tell them. I want you out of here before before down into my final year, Much of studies for management since I realized I could employ professionally, but I still wanted to stay within sports, but I think it can.

Very difficult for me to find a job in that field coming, I you're, so restrictive end, question really is today that should I can, of course we're trying to limit the scope. Should I turned my major tobaccos windows? Mandarin a broad range of options in order to guarantee a job coming out of college. Nothing guarantees you a job coming out of college you're right and that you you you but carpet yourself into a corner in an industry right now. That is that his is a hammer. Sport, obviously the stadiums and their readers are empty. answer- and I assume their coming back, but I assume that they would never go down. So what do I know? I mean last time. Last year in March we were silent while well

She'll be overrun, Tom prefer bomb, and then it was so. What do I know? I don't know anything and also by, but I do know you can do- sports management with a business degree it's too to get into business. or management agree. because it is narrow and there that much different. It's classes or something different right. It's not much the army, so you can have all of the actually as elective. You could pick up all the sportsman or management servitude. They'll have those tools in your belt. Meanwhile, just have a degree and marketing degree and management or whatever None of these things guarantee you a job anyway and none of them keep you from getting a job. If you walked into our place, we don't do sports management of Europe. management agree one of guys aren't in leadership ears interviewing you, they're gonna have

That's enough to know that that's basically a business degree with farmers exports classes in our work, and I know that you ve got basic knowledge in those areas from your academic studies. If we're interviewing you comments I'll. Tell you that, so, if anyone is DOM enough to look down at a resume and say: oh we're, not gonna interview the guy cause he's got a sports management agrees to a business degree but other than theirs to too stupid to work for really. I agree Christian, how much student loans that do you have others. Now, I'm not about fifty one o character. I would have that would be adding twenty. for my last year, you haven't any so tell me this. What sport did you play a group lines Ok, so I got what good it Average Richmond University and so on? summer in London and other not really Sunday. My like Russian, and so is gonna work.

I got him over and pointed you know. You got a word out here. You're hundred right, yeah well the mindset that you have about shifting to business? I also I also like the mindset of you can have taken a step back here and go and ok. Let me attack this that gained some real world business experience, while you're doin it that way. Cash flows that senior year- and I don't care if it takes you five, six, seven years to get the degree as long as you pass through. Well, if you cut, it is what I'm saying is if he takes offer or two to be, pay organized on a short period of time. You know during the short break down into polish from cash package, for your life you your last year and make that make the major change. I would and while you're doing the major trying to pick up the sportsman or stuff. That is, the love of your life, has elective gotta materials in your belt. The patient, for your last year and I would make the move but

for two reasons: one is it's a very narrow degree to is The sports world is just its upside down. I don't know what I'm no much gonna be there? I can't tell you I kinda, it's not gonna, be there. I don't think it's gonna be destroyed permanently what the world too much sportsmen, The item is more transnational. Gonna issued before you go, I'm gonna Ass, Madison Git, your information, I'm send you can comments. Both proximity principle This is something that will give you some real world experience as your building your career of getting around certain people, building relationships and starting that right now, two key eyes: whether silent land. I took a horrible. very good pleasure close to you today? You too? How can we hope so question for you. I'm I've been dead for EAST is twice exchange. Thanks to you and your team. Mr Watson for Commercial got a pretty typical. Allow a vehicle

it is only thirty point bags About twenty five thousand dollars bag you'd better in buying a car level caught between fifty thousand I'm trying You sound, like style, make money. I wonder, lady took out, Eighty two thousand and eleven twenty five shaved. and your informant here and baby steps for five six. Yes, about cars launches not brand new did you see what is the car I'm a Bmw, excise, all sweet, the nice car. Therein? I shall want one year old to Europe I'm probably one you're out, ok, good! Very! today. How much do you owe on your home? two hundred and fifty two thousand dollars. I get started attacking my mortgage. Actually, this month open a period of bombs by

Last Monday, twenty four, your heavy and savings right now that savings needs to be on four five and six other than the car in the emergency fund. Ok, You shouldn't little heavy on cash. You don't need. Aren't we a thousand in your emergency fund. Now, sixty out you probably, namely sixty in your marginally Vandalia now My sixth mark that, finally, about really too Twenty five k- I must be going. Ok, let's leave thirty and therefore just for comfort to Jamaica. You make really good money as pull sixty out for the car us, but the rest of it on the house. Do I you doing great while you off affirmative on this car one, that's a big dollar amount. They want she's on the right. I'm sure makes a hundred eighty grant the current drought? You give a little push back the cash.

when a woman should not is not half her income that non violent should not by no its, not should not actually now millionaires by notion and get the house paid off. Yet but it's it's it. Similarly it she rose now. It's all I mean if you, if you make sixty thousand dollars a year, you should be doing now. I completely agree. Maybe I'm just frugal, maybe promoted, makes got out and I was like us off Bob you about a market about not come on. Let's get to the call to emulate too late. maybe I'm just for local economy. But can I was isles allow now it is being automata accommodates, modestly parameter commercial, but he walked into the earth. Could its greatest listen! Everybody we had our centre. Are you shaver? I am spender.

I really am, and you know it's one of those I had a really real and, as I talked about the reset events last night, with my groceries, I in a day, I'll be all right was really about some hours for half an hour. But often- and I know a lot of you listeners out there- you got a category in your budget that gives you trouble and, as I talked about what you gotta watch the reset event, because, as you begin to see it, you realize I'm gonna make a decision for myself and my future, and you start

making these sacrifices in. It's ok to be uncomfortable as long as you're being productive, so check it out and you'll get a laugh and you'll get some backs, scooping ups maying stupor ever scooped up egg. I heard of his great this is that I ran out

Mr Prodi, ecclesiastics seven fourteen in the bay of prosperity be joy, fallen in the bay of adversity. Consider sky, has made the one as well, as the other. Man may not find out anything that will be after him lower Stevenson said to be truly happy is a question of how we begin and now of how we end of what we want and not of what we have

Chris Organ Ramsay Personality is my co host today triple eight eight to five. Five two to five Andrew is with us in Orlando high Andrew welcomed that I've Ramsay show I therefore encourage so decided to talk here. Thank you sure. How can we help? on twenty five years old. I dont have any Gatt. I graduated college. This pass may and I was ever went home and do an inch state school, and so I was able to save a lot during those years and now. I have about thirty five hundred in the bag and then, Charles Schwab. Account did I just we have heard about thirty eight I dollars into, but it's not invested right now until I'm wondering what your thoughts on, what should do? A lump pigs what's happening. Entered different coins are watch all for ideas. Thoughts on that you graduate yet yes, Sir, you started a new job crate

and having moved into your new place, well right now and actually still at home and and I'm talking to a friend of mine, we had actually moved out together, but once called Yet we know tat. Ghana to our house. So I'm working with him right now to move out. Ok, What do you do for a living? How much do you make Now I make about thirty days but that's I'm working part time job I got. I should be starting full time in the next weeks or the next month or so, and then that should bring it. and hopefully idea of terrorism. There is well aware, in the troll swab account come from. It came. I had it just in my savings account, I'd have to say for years, and then I just gonna transported over wanting to go get started on some stuff and how's your car. Gonna call you it's it's paid off

they Toyota over. I don't know I don't have any get right now. and have his vehicle for one another? Five, ten years Yes, it's really good shit. That's good! That's good! Why, like Did you or plan to get back out on your own Yonah roommate and so you know with that in mind, beginning to look in giving yourself some cushion of your car is stable, right, ear. Make thirty you're getting when you try to get the full time. Some of that money you hold onto four as part of your emergency fund. There of an invest that for the future. Buddy yeah and law, and order first Home fund are either one, but you want to do without you can that's what I was thinking about two I was sure to light a region tat the savings, but I didn't really happen. What themselves? Ok, I'm saving up for this, and so I just You think was probably not super smart. You just want to get there. That's that's good man than I would invest it either.

Retirement accounts and Roth, Irish and so forth. And or I would put side from the origin, chiffon and or I would just say, to side invested in the mutual fun for your first home purchasing, continue to add to it and that your payment fund, and so it's got a name. It's got a purpose and that's very smart for it to have a purpose that also tells you how to invest what to invest it in once you give it a name. What should give it a permission Bazin saint Louis. I shall be welcome that ever amnesia high Dave Thank you very much for taking my car I'm come and help. I have a question life insurance, my appearance by a life insurance policy. When I was born and I'm twenty six years old, I was diagnosed with childhood leukemia when I was thirteen nine thirteen years cancer free now. But in these things, The of keeping that party

rating, not pause, be, are taking the money and run in getting. I know you don't preach termites insurance, but I'm just not sure what to do, and as I have a history of cancer is now well We need to figure out if you can get term get in touch with Zander Insurance and see if thirteen years from childhood is enough to clear you get term insurance. If it is then it's time to get a big girl policy and let this whole thing go away up grating oh, what upgrading means getting getting whole life they have great, I'm updating, variable official life that I have now and are trained to a need to have life in the eighth. That's a downgrade actually know. I wouldn't do that No, I wouldn't do that. The only question is: how do you keep what you have, because your uninsurable order you get term insurance and drop this crap, because you are able to get insurance. Those your your two choices. That's right! Ok,

and shall be so. What you do is reach out as they had or go ahead and apply and begin through the press, as their walk, you through it and guide you For some reason, it comes back that your uninsurable you'll be able to work with one of our insurance endorse local providers to be able to guide you to find out what other special policies are available that are gonna, be a better overall deal for you than this permanent life. He had thee insurance world Jeff and our Tom, let us over the holidays. We were together for Christmas, instead of an arm. He was saying that the it's amazing in the last even five years. How If insurance world is now covering things that they wouldn't cover before you mean like, and the day when I started. If you should cancer outlay Yonder dine in our in her case. That would be you just your dont. Even over thirteen years ago, in those childhood leukemia, even though the ridge survival rate on shouted, leukemia very high done matter

the matter your dad? days. They look at it very carefully and they ve been able to write policies people that have had diabetes or people that have had a cancer or had a heart attack scare or something now, if you're square in the middle of it, they're not going to be tough to get cover John. That obviously, but do you know number of years. They went away that your cancer free hasn't changed their just much more lenient on the underwriting now, because I think they ve got better data that there with an ordered up in order to book those Anne and arm. So God is tat southern term life insurance. If you haven't priced it unless you have an illness or something where you're getting write it up. The prices are really dickie. low? It's just brought. You know you

what thirteen dollars a month ago by you, if you're thirty years I'll blow your freak in mine, I may it's unbelievable and and really here, if you ve, got dependence or people counting on you. This is not an option. You want to make sure that you ve got term coverage outside of your job that policy what's your job is not going to provide you enough? It's not doing enough. So we tell people tend to our times. Income If you're making fifty thousand a year, you lookin at five hundred to six hundred thousand in term, but it's really how you say: you loved Europe, your family. As I say, I love you because you're provide them money to be able to take care of things after you're gone finnish funding college finnish, paying off the house finnish whatever it is that they need to do so. Please don't delay and if you this through your job. It's not portable. It's gonna follow you and I wouldn't delay because others covered measure now, because covert is going to affect life insurance policy prices. I dont know

secondly, how yet right because we don't know what the data is, the actual death rate, code. That is not high enough to effect it. But the illness and the man it's it's. It's got that business that businesses are numbers driven, statistics driven business and they don't worry uncertainty. They don't like pandemics, and so they may jack policy rights up soon, just in case such right where's the remembering I'm back down lighter light rewrite? So I have a few if you haven't even dilly darling around about this again today gum term insurance in place now I'd that about put particular hour in the books. If you have not seen the reset event that was live last night or to an forty thousand folks signed up, see it last night, it was Chris Hogan Dave, Ramsay, Rachel, and Craig rochelle- all four were on their game, including me so check it out.

She'd outcome slightly showed I'll, be up for a day or so more, though be over a million people watch it, but the time it's over and it's completely free James Childs, good job and the poor Madison. Thank you fulfil infidelity good stuff for smoking. Thanks for hanging out. This is that I am sure will be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace and that's the Wolf daily with the Prince of Peace Prize Jesus, it's Kelly necessity, producer and funds for the day Ramses. If you would like to do your temporary scream line on the sound make sure you visit Sapiens last show right. We were laughing you two hundred ass, well, tat danger story, feel like you're in a rush and living life just going through the motions, build confidence in yourself and learn to trust the God who created you check out the Christie Ride, show where Christie inspires, you break through your limitations and create the life your proud to live, pale and Christie right. You know it so easy to feel stuck. You live life just going through the motions doing this is doing laundry carpal lines and a whole list of commitments that bring you no joy. We live like that. That's why I want you to check out the Christie Right, so each episode will help you felt competence in yourself and the guy that creating dear more from the Ramsay network, including Christie Right show wherever you listened, applaud cash page

aims producer of the Dave Ramsay show this