Guys. This change Charles producer of the day, brands issue David, the team around spending, some of their family will be living. In the meantime we put together. Some of the best cliffs show breeder, enjoy your listening to the best. They ran very Christmas lights from the headquarters of Ramsay Solution broadcasting from the dollar garment, including those in the rams. We shall work that is done, casual k, paid off mortgage and taken the place of the Bmw status, simple macroeconomic air today, Doktor John Bologna, gradually personality. We taking your calls about your life and your money number eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five, relation checks? I remain our EU high here.

Can my car. How are you better than I deserve? What's up nervous around there. But I need your s, but I have been listening to you for years I am opposed to retirement age. Ten worth our year, and I only have the grand in an Irish. Ah I have a teenager, I'm unemployment. Now I was happy to teacher until Colbert Mighty and I would like to invest in real estate to build two halves. The thing in com a continual residual income, but also build that retirement, holding a while that require account. Investment Tom opportunity how is gonna cost fifteen hundred dollars? That's not a lot, but are you wanted

we found a good mood, is real estate, a good move You do. You're, not buying real estate for fifteen hundred dollars, you're buying a class on how to get in the real state investing for fifteen hundred yeah, no, not a good move. I dont want to burst your bubble or spoiled but I get rich. Quick in real estate is mythology. I did it. I got rich lost everything, because I used the exact formulas that those bozos teach net Glasser Don t you so I don't even know what Bolgia videos, but there's a bunch of them out there and one hundred percent of the nothing down real estate, guys after one decade or less are broke. I've never seen one make it long term. I've known all of them for decades,

all of them. I want you to hone real stated that your goal, but really on the world, not your goal, what your goal is: you're scared casually money and your truck make some money quick, and the shoes I get desperate is right. I get stupid and where you're welcome here kiddo. So I would do this now I would back down salmon work on my career I'm gonna focus. I got ten years you're only what fifty shut me yeah the devolved before what happened there so what you do for a living thought. You were substitute teacher but banal your unemployed, Lloyd peopled only to be born real estate, real state will make you broke when you're that's why they call him brokers. so that's a bad place to be when you're broke. It's it's a game. You need some cash rolling around and ordered and not give be it in the world and

from personal experience, and I know from having walk through thousands and thousands of cases over thirty years of people to do this stuff, and so, instead, what what you're gonna have to be. You cannot be Remember the story, the tortoise in the hair, you're feeling like a handgun of time left, I gotta be the hair. but every time I read that both the hare losers and you gotta go to a slow and steady, mindset and really You ve got more than anything. Is a career crisis starving to death as a substitute teacher, and so we ve got your career up and going I'm gonna. Send you a copy, again coalmines book proximity principle and work pay for you as a single mom to go through Ramses for an entire year you get in there and you learn how to handle money, and you get your career up and going in your solve this problem with having too. dive into a pool hoping that that there's you know it

grabbing at last straws in That'S- that's the that. That's what having done a shot of his courtiers? Do this I got this need ringside seat to a. mom was a state. Oh mom. She had a tiny sewing business every once in a while I would include a site house- was a half of the site hustle and then took community college class at the age of forty two one, and then she took one the next semester. Then she took when the next semester, and my stay at home. Mom turned then to a the the can, a country or an accompanying that doesn't exist anymore. We called it and run back in the day and now Fifty seven should gradually Phd and started teaching college club. and now she's a department chair as age. Seventy, that's lifting your yes, and so there's this idea that fifty dawn and I've watched this woman have

to be seventeen annex on an airplane and core some broken phenomenon in now, was all over the world teaches classes at Oxford in Ireland? this whole. Second, over life. They started this. seven years old, still go and strong, still going strong in so, make those decisions, these no more decisions or these, let's just go get it done right now, decisions and the EU are your own path and it's a beautiful radical cool thing to watch is inspiring, but it Not a sonata get rich quick. Take this pill this weekend for fifteen hundred bucks in Europe, and I have it is a grand being stall courage, variance cause that doesn't have an exist. The problem with a bang stock as yours giants up their hats right and you work any work. Can you work and you work no short cut too, place that's worth going. Beverly hold on an Keller pick up we'll get you copy against book, as well as a one year subscription to Rams

large and we'll walk with you and help you do something else, since they are in charge your thing for that it was all free for you. You noticed the difference right shows where those in Wisconsin High Rachel how're, you, I'm gonna, think nothing could take. You think, I'm sure, what's up. My question referred doktor. These, though I'm looking for some advice on how to work on my social anxiety, So whenever, on the centre of a conversation, I like break out into a rash, my heart rate goes up, gets hard to take deep, breaths, though shy away from opportunities where I have to prevent or anything like that. But I feel like it's just extra hurtled for me tat kind of thing. No time doing that where's, that from I don't know, I feel, like I've, heard that for as long as I can remember so, do you he had yet read neck.

What's up whenever he looks at you you're here workshop red living. I guess our people, my in my family than that that happens to when that window conversation turned to him, that's different than being a redneck, its exact right. It's the front of the bag right, yeah Europe. They just changes color. That is, that you, Rachel Banks, So here's the thing you nailed it and you are ahead of the game. This is extra hurdle and it's gonna. Next, a hurdle, and the only way through this is one ugly grind toward us in the hair. Is you gotta practice?

what yourselves in situations where you have to practise in overtime, your body will stop responding in firefly you'll nail these presentations as a great western Bhutto's to you for passing through it for putting yourself in those positions and brought over takes bravery and the wording is your builder competition. Then you'll be unstoppable.

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like if it wasn't for you, I probably would have it's more difficult time with the with the virus and everything going on for thanks for your wisdom in for the programme like you, how can we help today so, I have a career question for you guys I am a software engineer and years ago I took a class through my local government and it inspired me to work as a computer scientist in the public sector, specifically in cyber security, in the industry. I see that a lot of the projects are top secret, though employees can't talk about the work, I've been able to meet some scientists ever found an email, but after a couple conversations I usually get turned down for future chats or for membership. So I'm wondering if you haven't even on finding mentorship when the job it felt make that kind of Turkey is now either turning you down. They feel it. I can't go any further than a couple of miles phone calls due to the nature of the work

I'm not sure I believe I have most of the education and experience that they require from us the jobs, but you like. I just need to know more about the specifics of the industry too, Can a push me over that line and actually become a more competitive candidate assemblies, and will you be able to walk away with some information? And so, unless you know that they're saying you know what we can only do this much communication and I don't think that's the case. Then this is a function of come to the journey man. You know some people going to be willing to give more than others and some people you know just won't, engage that much in its really about getting attention of people that are making the hiring decision could feel like Europe, a guy who's. Little further along you, ve got the education. You ve got the the requirements and experienced now, if you're looking for a little bit of an edge and I'll viewer love your spunk. I love that you're gettin after your using the proximity principle, which says you gotta be around people that are doing what you want to do and be. Cases where that happening:

just have to keep turning over rocks. There's no silver bullet answer ear, but again we want to start moving towards the people that The decision makers number one and then to the way you do that is you're. Looking for your web of connections, everybody you know, and you start to go k o my. What do I have a one to one, a one to one, two, three one, two, four connection to wear can you get your name in psyche in the form of resume and a true recommendation from somebody. That knows or knows about you and is willing to say I take some Chris is a sharp short candidate. We need to be aware of him, or will you be looking for something specific? So this is about regional, the map and then walking through changed. Your currently is we're engineer and your wanting to move into cyber security on local government level, right yeah. So from from the private sector into the into public. Why

the pay as last year. If that's true, I guess it's honey. I just feel almost Canada calling to it like I just want to serve a country like in a different way. I guess that's! That's the only way I can describe it I think there's two different issues: the Cyber security and what you actually do, tactically, when you're doing- cyber security that could very well be type Topsecret, the actual function you're, not asking for mentoring and how to do Cyber Europe from entering and how to get involved in the business. I think her step You know you're not only because they're, not disclosing any topsecret things how about how to become how to into cyber security on the publicly on the public's basis that there's no, there's nothing, nothing in that its top secret. How do I get your jaw? a job like yours who crude one

to be a whose, in this business I've got these modifications of the qualifications donate none of that Topsecret. Now, maybe what do with some of their knowledge, might be topsy grown daily basis, but you're, not trading lines of code here again that person is more willing to mentor you or at least inform you. If there is a personal connection- and it seems like he just really hostilities reached out a few people any got to a certain point than he had a lid. Now again, the lid is removed. If I say today, hey Dave, I wanna talk to somebody about this this or this negotiation. I know a guy let me say to connect your email agenda. A person's gotta, be more likely to spend an hour with me on your recommendation. Tyler's in Pennsylvania, high Tyler, welcome other rooms, issue, even can hurried eyes right. How can we not now? soon. I? Why about eight hundred thousand in a cage shall bring about don't

By that you didn't come on now, I'm a big game show guy, which one was it. Can you tell us say I thought I'd be safe, doesn't help me. Are you all right? Ok, we're wait occur while a hundred grand Gatt in CAN in fact that it will be receiving back in about three to four weeks. Nice We will be about out one way about hundred thousand after attack theirs and, as you can imagine, I wouldn't advice on how much to give Emily and then how much she flew than on a house were about their babies. That for now that change is anything but yeah I was firstly, do is double check, triple check your tax advice, because the last last memory of this subject might be a few years old, but I

there's a special tax rate that extra huh? for game, show winnings it's my account better cry about closed for seventy five by I guess until we get more information on how its tax that's the figure I would give in four hundred and seventy five thousand dollars after taxes yeah. so they're taking almost half of it. God bless you ever come our shrill halfbreed, despite ok, we are for us five thousand net of your dad gum, thieving government, ok, livable and like they did anything to do this. Ok, sewed up So and then your first question is how much do I give the family will probably very little. The non modest family need any of this.

so I went away my grandmother and my cousin is the one who applied and accused ended up that I'm the closest with her they had asked. If I could go on so I feel like every Things are entitled and we do not want a laughing degenerate. Why are they entitled? I think the. Why think my mom thinks that Only if the other grandkids could have got hacked- and I was the one they got picked. Ah, I think she feel Blake We should have some management a lot of time and guilt trips, Londonderry Private, even said that she thought so, unlike her He could feel that I'm that for life- and there are seventy five- also never lived Darlin so obviously a lot of money, but you're not said for life. I did this is this. This is messy, so let me make sure understand so that your cousin it was your cousins idea to assign you up or your grandmother of migrants,

there are few in wanting to go on said. He'd did the work to find her up and then for a situation they had asked. If I could go on and he doesn't know He so did you know my grandmother compete together, or was it just you? Yes, oh my god, I'm so you and grandmother both competed. Did you each get? Eight hundred. What's your grandmother's during your point, Grandma got her if she wants to give some to her grand kid. She can you naturally, you got no obligation here that this is a weird family. Let grandmother take care of cousin Eddie and did you? You carry you look at our house, you wanna, buy wow, expensive, isn't going to get your house and yet we are in the house now we're out apparelling at any, hardly worth about one. Fifty there We had been working to buy. It was about three twenty and we would have had today on whether that was too much

such now rather chairing the package for gay other dat notice. They're starting babies. Have for our colleague. That's right, you're right. You say this is phenomenal: yeah you're, a hundred percent debt free house and everything. Now, if you want to be generous with a little bit of what's left over, gives them by Grandma shot mothers, that's fine, but you are not morally obligated to You are not morally obligated to your untitled cousin and other news. Dave, I'm in sight of her game, show you I got more and sign up. Can you got away on a position that I roundly show Europe like your grandmother too

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from window coverings. You get free samples, free shipping, it with a new promos. They run every month, we'll save even more useful ok Ramsay, to get the best deal. So you're. Not you not read the question the unwilling to read it and was rated poker. Pleasure from the annual Florida, my wife and I usually every dollar up consistently what Zira nearly every dog. What what do we do with extra money left over at the end of the month and a specific line? Item category: for example, we budget under twenty five dollars for electric bill as approach seven do our shock that extra money and savings are put a towards dad or user for fund money, that I will have an extra hundred fifty to two hundred and extra money categories we over budgeting, because we don't spend all the money. So what You come out from America and it really meant here the class okay, so they budget a hundred reproduction later bill. Seven Ergo today of extra money coming in

They have extra money that they don't spend and I'm not gonna let recommendations to have a hundred seventeen and twenty five. What you do with a different yet throw a torture baby steps so, if you have that thoroughly extra that, if you're going up emergency fund throw through to the emergency fund, now, if your baby- four hundred seven this is where you can kind of like you know. We had put that somewhere and you could have important phone category inorganic unemployment if you're amazed that twenty three definitely apply it to the biggest abstractly. Exactly so, basically, though, as you're doing you're over dollar budget, what happens is that when the real bill comes in, reverses the allocated amount. Then you the adjustment in your every dollar budget and you Ok hundred seven is the real electric you're, not a hundred and twenty five, that I've got that difference and I'm gonna pull different, simple it over in another category in every dollar. Budgeting out makes that easy to do yet. Absolutely reconciling your budget to reality as you go along, yes, and every hour have said the math and keep showing you, which you have now that's a great situation when the average our budget, when it comes and less

then what you allotted the worst is when you add to turn your irrigation and you get We are building eczema, somebody sometimes some. I know I don't know, I'm us and a monitoring on irrigation and the water browser. Is you We didn't really count for the overall budget when we got our water builders model is the other way around is the other way round. Hurts is undergoing a lower these other categories, Tang, it legal greater another sad cash money. Pan Yes, just haven't cuts, cut the things that's all. I'm saying, though, is like we were new budget, though that's a real thing like you shoulda, you feel worldview. What happens is reality starts innovations to you of being able to ignore it. Yes, and then you think happens when you do a business. Budgetary yeah so anyway when it, when you have more money left over. That's the fun part of budgeting cause you have more money to spend, but when one bills a bullet higher yadda yadda reconcile

but it's worth it because then you know I mean we have the money for it and so were sent to switch other categories lower other one's gonna wanna go but should regularly show. The self study course for teenagers at home short of our school study of edition of our high school curriculum. If you will know instructed nator needed you can teach your kids, how to handle money. So when their grown. They can leave pay their irrigation, because right now, ourselves study course is at a deal not a day, rams, dot, com, slice, self study and learn all about different courses available for middle school students in high school students, so that your keys, this- can have a sense of confidence. What happens when I was a teenager and they go through this house curriculum, whether its at home or in the classroom, their cause, but an level about eggs thing in the real world increases because there's a lot of fear

looking at the real world in unknown. If I can make it gap, what's that so many unknowns, and so when you unpacking especially the money part which I like, that Wickham, there's a really great job, giving those students what they need to know, and it's all common sense like these they're gonna learn things for sure. But overall, They're getting an grains that this is this is the wisest way to handle your money. Things like live on less than you make. If you're on the money don't buy it, those type of things, the crude forced conversations with your teenagers. That you might not have had other was like a work is where money come from entitlement diversion doc. Arms self study check it out pages where this enabling taxes high page. How can we help. Have you given Rachel? Thank you so much for taken my call sure. What's on I am so I'm twenty years old and I'm about to graduate from college in May and I've been fortune have to have a good job. I've been working my way through school be graduating, get free and I've also accumulated about fifty thousand dollars.

time. When I graduate so my question to you, you do her best I m working full time and school I was working for me. The major cell phone company providers debate me both early and commission, for that was really helpful and you gotta believe that good salesman, ok and work you go to school, outgoing, crushing university knocker. Then you pay cash for it. Yet there you're incredible. have you and your fifty thousand left over in your questions. What show I'm just curious It is the best way that I should spend the money the during may be made by putting the redwood down payment on how they're not sure the right decision Just with meeting pretty I briac page, if yet this is, number one, a great conversation: it usually the complete opposite of what we're getting win when you, when there's a college student, usually in obviously there are tens of thousands of dollars a student loans, the fact you have fifty Grand saved up. I would

not rush to throw at a house right now. I would just gonna pause. Let this. its transition happen after you graduate from college and may see what's what you want to do. Where do you want to go? Where do you want to live and that that transition between college in the world can be a very expensive one and so having Castro's able not to rush that you ve like if you spend a habit there, you know when you go and she sat down and when you go out, that's a non college. Couch they cost more I guess I haven't come from up didn't come from a Craigslist, Craigslist garage sale, couch right, so they did more and not now that you're gonna blow the whole fifty grand on consumer items, but Rachel's right getting settled into court the idea that the big girl job and the adult job, and that constitutes a settled down, get their own place get. So let's do this

and take twenty four months will be twenty three and Leslie what lifetime in you then- and I think your big make a much better decision on buying a house. Capades K interview you for like two seconds: why have you on the phone for her? Ok, so how much was recalled? How much is your tuition a year before scholarship thinking it usually is We have thirty, seven thousand, but I've been able to get in scholarship, and I think it is natural sixteen thousand dollars a year. My company, they actually give me five thousand dollars. You aren't you brushing reimbursement, though I've been out of pocket about six. now wait a year, you're scholarships and just some academic scholarships and also got down from the college. what I'm doing? degree scholarships did you get and how many did you apply for so require you are play for all their university scholarship and I wouldn't. I wasn't able to apply for them and tell my second year and then

by God, thereby indolent getting on quite a bit more and scholarship, and I even had I won't let you down we paid for just fibre the scholarships received and then how many hours are you working a week page on it, Berries, but usually I'm working about thirty five hours a week. Ok, carrying a full Odin graduate in four years, there'll be getting my master. I thought people died if they did not child between.

yeah yeah, it's not easy, but not, but graduating with eighty thousand also stood alone that no money in your pocket Amy's either now you're a rock analyzing title. I just wanted to like say it out loud for America too here because it is possible and we get I get, pushed back all the time I talk about going to college break. You aren't you obviously push back, go Rima, Instagram, Communist right now, after opposed to this, the federally insured stood alone programme is stupid and needs to stop. Now we, the people, need to quit letting Congress ensure loans in our name to put young people so deeply indebted can't breathe, I'm not against education and against stupidity. All the comments are sure you don't want people to go to college nuclear college year old Man, you don't know anything about the costs to college. The comments are full of stupid people and theirs

rock star. Rather, who just did it about bringing a major, I may say so, and I shall Graham, if your stupid, ok they're comments are stupid. They are not stupid. You would be true. Both would be. This is that I ran future.

You are listening to the best of today, perhaps I will be back soon with more like us. We were rudely interrupted by the networks, need to make a profit around here or those commercials and shall continue that discussion. The answer to the equation is simply this. Ok, page as absolute rockstar is an example of peat, thousands of people but we have made over the years that have gone to college debt. Free, ok, now What do we tell me why Anthony only book that free degree covers this in The first thing that you have to do is you have to stop saying, to yourself and for sure to your young people, America,

only way to go to college, because com is that you only where to go to college student loan and do away with a student loans. That programme would mean to do away with education, which is absolutely asinine and wrong. She half stop saying that first and then How could you say that, where you can say that with the proof that the pudding and they elements that you need to do to go to college, that free are scholarships switch. when all its choosing a school you can afford first and foremost, scholarships and grants working. I'm a nurse theres many elements, but I think that the very first step, though one that one before that one was that you to decide yourself Can you do this like I'm not going into debt for it? So now what are my options and when you do that then reality sorts to plan. Ok, maybe I go to a community college for the first year to my school selection is key. Maybe you say in state and go to a public university page, so

we can went to a private school, thirty, seven thousand dollars a year, the scholarships to do it's an work and they never had she, nor by thirty seven does now. She children go based on where she could get scholarships and we could afford it? So you go, school. That's doing that happening. In this case, which I ve got a good friend who graduated from their couple a murderer and Do you also can go to an end state school? You also can go to a community college and you don't have to go, state lines and pay, terms the tuition for basically the same education, because you went across a straight line. now some adjoining states sometimes will give you institution does- are trying to attract students across the bay on average. Particular students with good grace. Another thing what she had a great Mackay also, but all she had great parents No shit gray parents, she's articulate employ confident She is working hard, thirty,

five hours a week. She did studies when she was in high school. I wasn't turned out to run loosely anarchy. We know because she got academic scholarships. Ok, you don't get those without putting in the work look at people got oh you're, smart, they go you the work and you got the great and you're, smart, that's academic scholarships happen, pillars supporting Thou shalt absolutely yeah in into her credit, unlike she's, twenty one she's all right. Mr Andrews Absolute killed it. So it is just that I want to keep on the function. Like is just proof like this shows you it stories. We hear all the time, but not everyone here is on. So when you have someone like that on the phone you like, ok tell me thirdly what you day. What was your situation because, and I thought she was going to a public school my network, their way through, so that even want to a freaking private school thirty cents,

starts here, and so did it was collar ships or never paid more than sixteen intimating as organic thing. For the servant of the section I want if she worked them because they wanted her there, you really me if your college, you want page people like page there that they work at getting you there shall parents, parent these are eighteen year old. seventeen year olds, fifteen year olds that are preparing for college. They need to get but in gear, and get ready and not wander Have drunk out other senior year trying to figure out, What won't just wanna go to college, like the guy call me up here, Oh no women do my my daughter, told me she's going this expensive school or like also that's where you get confused miles, all my teenagers tell me stuff, I told them stuff or told me where she's going with my money how's that work that don't work and so you're not window that our place? You know we didn't we discussed it. We had a conversation, but we all know where you're going to school in state

You pay for it and pay cash for it and not over pay, for it and you know the young lady. I call me up a few months ago from shore your she wants to go to oh miss and pay five. four times situation, because state instead of going to South Carolina Instinct, why I asked her the houses around us it's such a pretty town. It is, pretty it's a pretty on your callin me here. Oxford as an experienced gorgeous town and for a few hundred dollars. You can visit once a year and stay a week. I know you don't have to pay five times or forty institution to go out of state Dahmer, that Iraq must leave now and I'm paying the bill because she got a thoroughly in church, their loan ensure by a tax payer. But if a North South Carolina girl, one go to omit and she had scholarships and had the money ago called Europe met that go, but please

your decision, based on how pretty the town is cheap, sure you pick your education. That's just not good critical thinking skills When I was a modern art class. Oh my god. It's an education! study o, because it's it's on the map that we talk about education, I know but listen. This is hey. This is where your point about the parents. Being parents is huge based what you're, eighteen year old, seize their perspective. Right here. Right there perspective is who's going. school? Are they gonna do a for a story or fraternity? Are they doing in a minute like like that? Is there World and you parents are decades out of them and so to bring that reality to the eighteen year old is what is key. So, yes, we're not Murat PIG school based on how pretty the town is you're not doing it they some friends, it is what is financially and where you can get a good education, if you're paying for it so doing all that that's what's gonna happen as an eighteen year olds perspective is going out there for years fires a school pupils, or they do in town and time, and they

they're gonna, be five years out. looking back and have zero when you're out no regrets the people here that regrets from are the world too didn't have conversation to their parents. They really just send it forever squarely one desire for then there you're out with TAT of thousands of dollars, a student loans that you are having to pay back and are not able to do things that they want to do or stock. Because of that, so it is legally for it all. They see. So her seeing the pretence, all she see so like having people in her life, who I'm sure you did on the call from I would remind the house, nice. I was again I've had a brief, but I was now, but it's true, but like that's, the thing is like, and I even learned in a book recently I mentally butcher. That's all you psychologist out. There can correct me, but even like the front Lobe of your brain, like fooling, does not become a turn like twenty five or something similar mingling many reports about their making these decisions that are going to affect them for so long, and so that's what you have to look at your a lot parents, by

having these conversations and talking about here's one out of all the successful people in an impasse, to run around with which Ober successful people I have never met a soul I am successful because graduated from college, that I followed my girlfriend to not once I select college! I'm going to based on Girlfriend is going there and that to my success in life. I'll go a step further. You pride never met someone that says I am successful because of where I went to school. Even that's true. That's true but they often tell stories. when you get older of regret for the stupid but stuff that have all done yet again. A Phd in D, do you and be I've got a whole list of stupid, but stories of things I've done, and you know. following your girlfriend to college would be on the list. You don't go to college because your girlfriend is going there, I'm sorry

you can, even if you can pay, for it is not a recreational activity. It's an education education. is not how you select your field of study and the what you're going to do it and what you're gonna pay for it. The end this is how we have western loan crisis, is for mentioning this crap the number people we did borrowed future that we interviewed for that podcast that use- student loans to buy cars while they were in college, was in normal yap. First, While the amount of money that goes to lifestyle is its yes, I live in an environment where the skylight my jacuzzi and they play beer palm on their time off. On my nickel book guaranteed these student loans, because I'm an idiot as a taxpayer loud Congress to continue to do this work northward. the show we're guarantee and I used for,

or even just none nutty on Africa, shall go to college. You can afford work work. It's not a dirty word not afford our work. You're not gonna die from it right before you dial pass out work. It's ok, work work go to college! You can afford and get scholarships parents errant. This is that I Ramsay share. This is James Childs producer of the daydreams issue on your smart speaker. You can add our skill by saying Alexa open the Ramsay networks from there. You can listen to all our shoes Ass day, money questions like Adeline best, my money or what is the death snowball find out more daydreams, dotcom, Slash marked

Have you got questions about retirement, investing becoming an everyday millionaire got bigger and broader, with my man, Chris Open on the crucial genscher. I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building well investing and how to become an everyday millionaire subscribe to the Christian, ensure wherever you listen about gas. Hates me producer of the day? Ramsay show this.