Why don't you show me broadcasting from an olive oil studios, Ramses were debtors. Dom casual gaming in the pay of mortgage has taken the place of the Bmw status symbol of choice. I'm they ran through your hosting John Bologna. Ramsay personality is Michael over today: open phones triple eight eight to five five, two to five: that's Tripoli, two five five two to five Couple of our show notes around here. I want you guys to check on working on it

Jack called baby steps. Millionaires people that have become everyday millionaires by following the baby steps and ours zillion of you out there, because I've been there, for a long long time. If that is you get in touch with Kelly and let her know you're there for one of our millionaire theme hours If you feel so inclined to brief version of your story on Facebook or Instagram and put it out there and talk about became a millionaire because we followed the steps that the folks at Ramsay teach I'm a baby, Debbie millionaire and I'm I've met, of thousands of you over the years, but I've never they quantified and I've never really publicized it. But it's a good thing. for the world of social media to hear that you can become wealthy if you

do the stuff that we teach, which is very basic common sense. Teach you anything! This rocket science! and we we don T, do anything if not that's rocket science, but we're What we want, what we have done is we show up every day. thirty years encouraging you to do it. And you already knew it. You have to live on less than you make a concept Congress can grasp. I mean you already knew what to do. There's a fun when John Credit card that keeps falling. And here's a sad note Our own edge Dave that's, it will help to attract by banks or on edge. The burning drawn its Americans are paying down. This is from Wall Street Journal. Americans are down their credit card debt levels not seen in years. That is good news for everyone, but credit card issuers, Large card ensures that cater to borrowers, ranging from the affluent to the sub prime say there

a card balances and thus the firms interest incomes are falling to make Four issues are: spending more marketing and their loosening their underwriting standards, which means that you do You have to be alive now and they wish you. Your credit card data have underlined hundred riding standards that has given Your card discover, set its earnings call last month that the share of card balances that were paid off at the end of the first quarter was the highest levels in the year, two thousand but one junior while it he said that nearly half of the credit card balances it had at the beginning of March were paid off by the end of them. La card balance. The three companies, including synchronize, sink run. think I can say that which is the largest issuer store credit cards and the? U S. You got me say their down nine percent. Seventeen percent seven percent in the first quarter of the year perspective

Issuers rely on growing card usage and balances for the revenue, their wonder if the pandemic tranche will turn into a long term shift. We are very focused on returning to growing loans this next line delinquents. You can't get much lower than where they are. We can't beat boy up anymore. Otherwise we are out of our lawyer. Launch rape, senior remedies, come down, oceans. We'll get were his if people don't keep on screwing up working. less money, guys hey guys, how? How can we go back to this marketing and loosening sage? What's gonna happen, you getting these emails in cards in the mail sing. Hey, we miss you guys here's the more money you can just go, spend a day. What happens if a man collectively said woe belle wrong.

And we said Conall wanna be the little pig in the straw house anymore. I'm going to get my crap together. I'm gonna get out of that and have an emergency fund. I'm gonna be the little pig in the brick house. So when the wolf comes and blows, I don't have a credit card dead, I understood alarmed at our car payments under control and I got a pile of money. You know what would happen. Discover would be up a creek we are calling would collapse nor wooden economy would boom. Let me ask you this. if you're, if you get completely out of that. Thus you have your entire income to work with and you. Have money saved? for emergencies and saved to buy things. Do. You, then do people then spend less over the next. Aid following that or more. I know in my life we ve spent more and more How so bought was more the because you're a fluent hot,

you're feeling of Europe. You have money, you spell the end you spend. this idea that debt drives the economy is not true Consumption does drive the economy, but function increases when people are broke so the idea that getting rid of debt and America and getting rather burden on the back of everyone is some going to cause the american capitalistic system to completely fail is asinine because a reality is when people get out of debt and money they spend more money than they spend it differently, more intentionally wisely, but it's less dollars, mainstream big Grange you get our biggest more dollars being spent on the equivalent of whatever the consumption is because you got the money coming

If you have a really think about the big screen ambition, but by has to approve you for neither shames cash and you have to go through I do not want our portfolio paperwork. Just walk out with your big brain should be binding accumulation me bonnet, but let's Asia, Africa, that versus you go in. or those now. I think I'll take two Ngos delivered to me and here's mine. Now? Who spends more not where I may not you're, not being crazy, but the truth is that I make a lot more money and have a lot more money than I used to have in spend more money than I used to span. Well, Nada You know each other so that this is the most wonderful news and, and I wish I could take credit for what we're not a big enough- the take credit for we're big deal, but we're not the ownership, the whole economy yet, but one goals in life is to get Americans to start treating the credit card like it's the financial cigarette and we are on track baby but

the pandemic came along and help me with my gulch walk about you, you people up its slapped the silly out of some of you, I think that's again. My friends make fun of me for being overly optimistic all the time, but I and they are by and large people are good and I think by large people went back into a corner Go ok our fear is that everyone got their bell, rang nothing can happen to us. We'd forgot nine, eleven and before that it had been years forgot. You no doubt, and I write and the ever unrealized of this can go over night, but this this can be a segment of american others could be there. No emotional great depression, yes, are never again was right and

fully and that naturally, what this article goes on to say is happening and all we're gonna do around here. Ramses you're, startled cash I'll, never been absolutely discuss guards having already be ready for the credit card over to our horror scanner warnings. Bear it one of the most common in important questions I get is how can I find in person? Counselor here's the thing? Not everybody has the time or money for in person counselling, site partnered, with better help to offer video file Even live chat interactions- this is,

counting with real licensed therapist, much more affordable than in person therapy. And after you reach out, you can start seeing someone within a couple of days joined the millions of people who are seeing what counselling is all about, got a better help, dot com, Slash Ramsay and get ten percent off your first month. That's better help dot com, Slash Ramsay, This is your last week to shop. Our famous ten dollar sale learn how to make faster progress with your money in your life, when you check out these life, changing Butch save up to sixty percent over forty best selling books and budgeting tools, like the total money make over or John alone each new with red deer, redefined anxiety, which international bus shower plus he's my great gift We that Ramsay books, forty of them on the best shudder, listen there ten dollars each

mix and match and get half occasion get a case people by the time we make over by the case they Babylonia finding anxiety by the occasion give Mile the Ramsay team loves giving this all the stuff away for half caused. Where else doing a memorial day sail this weekend, where you can get up to seventy one percent of kids products and bundles got all these deals. The ten dollar say the memorial day, sale all at the online store, Ramsay solutions, dog com before the sails, and that will be now it is done, got Ramsay solutions, dot, com and check out the store, all kinds of stuff going on. south is whether Citizens Fort Psmith Arkansas hi. How are you I'm gonna know you better than I deserve. What's up. they are well first off. I am my wife and I we are newly. Do it On Monday, the guy- oh yes, thank you, Thank you,

whence coercion and Carla Del Monte on those our job get out in near him back about where we are today Finally done it, I have not heard that is five. You that's the most archives of thing. I've heard is that our lifestyles and archives are one of the great men of understanding are mostly that's a goddamn it education about t lie, however, it is something that everybody heard you don't do exley Naomi does it say, that if we do it Not only did I ever grab it dont have to request in the drop it hadn't. Each point be allowed to me. So I my brain around it. Well with aid. Vision alone. Fanny may long. If you put down twenty shut or more on the property, there is not p o. My private mortgage insurance

and for those of you don't know what you're talking about private mortgage insurance does not ensure you get in the mortgage company who, by insurance, for they are my show that if they have foreclose and they lose money on the deal, the private Judge Insurance Company rights them a check. It is foreclosure insurance that they make you buy, but as you didn't a down payment to protect them. That's amounts to and so it it's. You know it's it's the concept is valid but isn't, It's not something has found a package, you get zero benefit from it, and the mortgage copier buying insurance to protect your mortgage company from you is what amounts to P M eyes. Eighty percent loan to value on a fanny, Maya, Traditional, conventional love that

generally will drop it, but many times forget- and so, if you get down to eighty percent of the original amount borrowed, are they met regional purchase price? and dropped it. I would lean on the many times you can contact them and if your to purchase an appraisal that by an approved hey that they do, which culture for five hundred bucks than that that country mortgage coming, approves of It shows that the property has eight. two percent equity longed are eighty percent loan devalue. Then they will drop the p m. I they have to drop it. Gets down to twenty eight April. Eighty twenty! If you request, of the original amount, but for anxious to hear you Paid down the mortgage and or the value the house go up and you can get your twenty per equity on there and get rid of it on that with F a J, its technic. God Emma P Mortgage insurance premium and it go away ever is launched.

average. I alone you have him happy with the aim of building on its own is not technically there, but built into their system, so you're you're, paying for it in both of those either way. So The way to get rid of it is to refinancing get rid of an ef. I try long but with a very gonna, be my let's go down by sandwich. You ve got an f hiv yeah, yeah, yeah only way you're getting rid of it. Unless well there's a few, the new fangled ones that you can do and you can get rid of it one. And it's more like the fanny may show, you may want check with your mortgage coming to start talking to him about ago. Ok, under this, check your alone. What am I gonna do to get rid of him up a european, my and I'll tell you what their guidelines are, and if it's like yours, whether forever than the way you're gonna get rid of. It is to refinance it and its equal. About seventy five dollars a month per one hundred thousand borrowed.

So it's a lot of money. Monthly equals You know a quarter to a half a percent of interest as what it amounts to. and so you're gettin, deemed for not having put down a good down payment is what it comes down to you. At the end of the day, why we always recommend offers any way possible to put down twenty percent simply because you avoid that. I hate pay in that My love not have any p m, I be unable to more money than I would think it was what you said. I was thinkin fifty bucks. Now it's come on get up. It adds up to being a substantial amount. Phoenix is on the line, Kim's calling I count our you, I'm good. Thank you, I'm so pretty fuck, you guys, those like me on your principles? Familiarly are maybe I want us to waive farm industries was excited by that. My knees, Please help me laughter

The mandate will surely you can break my mom died the adopted her cheek Its graduating college, was shown you adopt at her lanky twenty yeah. Ok,. it would be adopted option I gotcha on yeah. She didn't have health insurance another day. Wanted her to have access to our state, deplete, adopted options, Tucker he graduated from our way with only six thousand dollars, and God thank you. I've never been she's done, but she struggling with anxiety and what to do next. Find a job. How did you decide to process professionals became advisor, struggling getting through, I dont know what to do with When you say your struggling to get through describe it, What does that mean.

I'm gonna give advice here is a pay attention you it's a hell is going on and what does it mean normal teenagers sought me give her advised she asks all eyes, but you want to give it. Do you think she's she's twenty now says not she's out of my little tea free. Now there are twenty three, so she's out of nobody knows what he's cheese and full right. Yes, yes, you she still live in with you So I graduated a week ago what should agree in. an event damaging to ensure at the time season, they get so so back. a booming industries, and so are you know, not incorporate that you use. Learning opportunities there, so she just using the not go work yeah. Why? How come? What may the answer I guy is, I know, there's an anxious. I dont know if amendment

they only a state of one thing. I am, I gonna make mistakes. Everybody makes mistakes. everybody acoustics? If you dont, like the first try to find, learn something from the advice. I can't just pulled the trigger song. Yeah. So here's here's a heartbreaking situation that urine she experience loss like many people. On earth will never experience right. caretaker passed away. Her second caretaker passed away, And then, as an adult you swooped in and at some, point, you're going to have to lovingly let her go, and this is gonna be hard because you want to be that person is always there for her, and what you're gonna have to do is change a definition of what there for her means in that I mean you can just live at my house and and do whatever you want. That means I'm gonna put a plan and Europe.

To move out, you're gonna have to go, get a job and then we're gonna have you over every Sunday for lunch and I'm gonna check in with you. But, gonna have to start learning to fly scared. he's got a lot of reasons to be scared, but any time you jump out of the nest and spread your wings. It scare for her. It's super scary, but she still has to jump out of them ass. It doesn't mean you don't lover when she's just a flock where back bay.

We were travelling to see family taking. They caissons in some of us are back on the road for work, but here's the reality. The travel industry has drastically changed, causing our friends at dollar to make some adjustments. The good news is dollar still taking debit cards and still taking care of our listeners. They just had to make some tweaks to their rental policies around the posits, which means plan ahead and budget accordingly for more information on dollars, policy changes, visit, dollar, dotcom, slash, Debit, Dr John Deloney Ramsey personality is my co host today: Hyundai rims, your host open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five

Dayton is weathers. End Valparaiso, Indiana, Haydn area didn't know you better than I deserve what's up. Well, Michael, I withdrew my man, I'm having trouble here and muffled can expect directly under your families, whose better gesture thank you. grandmother passed away a couple years ago and bless her heart and her heart work. She left on both her children and children's children and inheritance, so basically out of thirty nine thousand dollars. In contrast, we are- to receive half at age, twenty, five and half at each thirty. I turned the five on Sunday and receive my first half but My mother, as she is the one handling the money. Potentially the second half a lot left to zero percent interest. Checking account something other than that. That could possibly not have interest check my, but over the next five year,

his mother, the trust day. Yes, ok, She's about alluded to even the money it account. Obviously that kind of out of the question- and I just wanted some guidance on some good, three, maybe after I see ensured you no account that. Could that could, Maybe help had against that inflation. There's not any. Inflation is run an average of four point, two percent for the last seventy eight years and Interest rates on money markets and if the icy accounts are one percent one and a half per cent, gonna hedge inflation was one and a half hours for After you have two invested greater than that to offset inflation, the Good NEWS is only for five more years. only eighteen thousand dollars, ok and so if you make it out to pay or four percent on aid

thousand dollars, it does not change your life in five years. one way or the other here sure in writing. I want to get real technical about what she should do, but it wont is to put it on a good mutual fine, something even like an index fond and utilise shut their for five years. It'll do a lot better, but not, if they actually ensured, then she's pro flavouring and out, and I won't do anything she probably super our conservative its humorous that thirty nine thousand dollars small amount. Somebody bothered to set up a trust, for it she'll be done now but nevertheless the lesson would be that's not worth screwing with look at you can't you can't mess up your entire life with thirty nine thousand dollars, have you could have thirty thousand hours with our group will be the worst case scenario:

but on that united. So I, meanwhile, I wouldn't have Mona put it in Essen, pay five hundred index fund and look at the record on that over the past fifty years and I think she could be very comfortable without or put it in a money market at one percent. You can get that at your local bank or credit union, and that would be if the I see or if us our, are and see you a insured. You could get insurance on that, but you're not gonna make one may be wanted some change or something which is not there's nothing, life changing and these numbers and you're gonna go. dear Mamma. She probably gonna say no, let it go for don't lose your relationship with your mom and be dramatic and over five on her box over five years, That's nice! Just not enough money too! If it was three point nine million, we now have some arguments. Trout was invested. Ok, Martin Luther substantial money at that point and I'm a snob or something like that, I don't think it's just mathematically the difference. a biscuit right, I am

she's wrapped up in this he's, got different different hooks and Money is a terminal, just tolerable of emotion around this day, I can tell there's your grandmother put it there before. We passed some, There are eight open follows a triple. Eight eight to five five two to five Nick is weathers. Nick is in Houston, Texas. I Nick area today, clicking a gaunt and great or even better than I deserve. What's up so we wish needed park. We recently sold a house and on figure out what to do the accurate equity of the house we have sixty thousand from my house. I inform you I have three years eagerly change our life. We're just recently completed step number three, so I'm good months or the entrance saved up and falcons got number for Ireland, I'm thirty three, having contributed anything to Myers Attire lunch model.

Worse from home. My club leaves them what I am getting paid: money even if we don't mash anything unlike because I'm a house. We all know how? Yes, ok. So this was a different property than you lived in correct levelled at first pretty much like a house? How kind could well we should have tell you baby steps forward, have put fifteen percent of your income into retirement and we heard that before I have some. National budgets are two point: six percent to work for longer but my I'm trying to figure out that equity that we're gonna come on First house what you do that sixty thousand knew around babies to revive and six because you're putting fifteen percent of your income, not six percent into retirement. Ok, you don't love somebody you dont lump sum baby step for so I shouldn't take

Sixty thousand from the House Andrews knock the remaining? What your household income? A hundred and gum are you need seventeen thousand larger you're going to say between you and your wife, And she has therefore one available. You don't have what you don't have a retirement plan available work. I do, however, have a foreign, trade and they'll blood work. It's while those in old forms such a peculiarly in return, you contribute to their target dates ok. Do you still owe money? Your mortgage, yeah, we have money on mortgage, we just gotta, be a children, bother part of that. We do here. We have, Three children, I'm a thirteen year old, three old one. Wonderful how'd, you know it you some of us. I was shut down you're smart, Mr Prodi's, some of your sixty thousand towards setting up their colleges might Bhutan for on. my wife actually buy why mother just pathways without fear.

and locked her some money, and then we're gonna bunker turn. That's an unheard of. Our aid a around a hundred thirty four hundred forty thousand much real your home. we owe me One unfolded outermost long, almost by it off my question out. They could we not kid shouldn't weight? some of them and put it into five times or something at least of the five, a proportional sixty thousand from the house, so baby steps I get college such a huge sum of sodality Smart, Mr Pro put ten each aside, maybe I'm goin on very each kid that leave you. Puts thirty and as young as they are, they get you a good start and start doing a monthly on that. In addition, and this market

broken out. We calculate exactly how much we need to be doing to have a fully funded college, one for each kid based on their age and then for the rest of it at your mortgage, When you get within reach of that inherited our impair the mortgage about cash, I re out they inherited one and by the mortgage off cash, abnormal irish or for a one case to do that at your age that inherited IRA has a ten year rule on anyway, you're required to pull a tenth of it out every year under the new law, and so, as you pull it out, throw it at the mortgage output, throw a trait access the one at the mortgage and then back to your baby steps forward you need to get seventeen thousand dollars a year, fifteen per one want in ten going into I'm combination of you and your wife's still using pronouns as if to you to aren't married, our money our house our. retirement and our kids, our inheritance and our, and we, my wife, inherited money. So we have an

Deny right now it's she's gets to set that over there on the side and that's not what does not others work zone owner complicate this just make it real, clean, real, simple. It's one pool of money. One frontage for the whole house. It's that most of the retirement age and her name, it doesn't matter you ve got rights to it by marriage and by wills and everything else Unita always ever will. But that lets get this moved out here and the sixty thousand give you the opportunity to do it

our structure that I proverbs thirteen twenty walk with a wise and become large for a companion, a fool's suffers harm. John Maxwell shows a man must be big enough to admit mistakes, smart enough to profit from them and strong enough to correct them. There you go open phones as our Doktor John Bologna Rams. Your personality is my co host. You jump in talk about your life in your money. Carlos is in San Jose. California, I Carlos now are you. there are you do better than I deserve. What's up want some clarification intention to provide past couple months and aviation mistakes from our lifestyle swung into a right this time

my wife, and I am thirty one. My life is thirty three and we gather sixty a month old baby. Congratulations! You thank you their shared it. We're just me Our federal tax today, after eight weeks awaiting them I believe situation. I can actually pay off my car today we re now a thousand dollars. I made a mistake of getting a fleet, and then I heard you like me, I thought me now grow would mean occur or best friends. I guess not right now. curly hold above thirty, two thousand our savings account twelve in our checking and another four thousand in separate checking account changed. Make sure I'm just doing this way. I know during a say: yes, I'd pay of this card today. and start saving up for house now. I wouldn't you alive in the Bay area. You know Lou expensive, so this one measure under to understand correct, no one here how someone

so my wife makes about fifty thousand a year and I am just started a part time jobs that take care of my daughter during the day, so it is only make eighteen dollars into the distance for our shine only to bring my income, especially living in the Bay area. Poor working Is that so I wanted, So I want to know if they so wish. car? What one is taken by the car off? They will be about twenty thousand three hundred and eleven dollars. Twenty eight thousand. and your household and fifty serve right now, unless your household incomes gonna go probably out to sell the car, is your household income gonna go up. The answer is yes let's hear so by the car off today, you're right. You knew what to do, but Here's the thing you live and work,

of the four most expensive areas in America live. Yes, Sir and you may go below average income. for America, household income, in the most expensive area, so the this this is. I think the mathematics of that statement are very strenuous on your house old. Yet what does your wife do? Men shoot shows at the clinic should have funds alone. I can show you guys, you're gonna have to get careers going there. I urge the experts Bavaria that you live an organ, to consider relocating. Yes,. It's ok to make my dream and making a, but when you, fifty and housing and other living expenses in the in the Bay area. In the San Jose Margaret Freak of Silicon Valley, I mean, on beetle probably expensive Manhattan. Yet you know allay

San friend, downtown and Silicon Valley in these are. These are ample you probably expunge of areas. and so do it, but that most people that are doing or known on double or triple what you guys are making and so I'm just you know, our doesn't fit in this equation. So I think that car Yes, I'd pay your car off. You can sell it later if you want to do no harm in paying off today and but but- don't be sitting in the exact spot. Income was and be still sitting here wondering why you have no money? Three years from now, and because I've already just told you why you have no matter what our job to have a great conversation about. living in this cool place with nothing worth. or do we move to Kansas and make the same amount of money go a lot further. We don't have the bayside, but we ve got life. We can breathe, gloves

good times and filled the blank ripe wherever it looks like, but I want to launch a lab. conversation about eyes. Could you go or even? If you do not you, you love that particular area, but you just move a hundred miles from there. and avert similar climb climate and so forth, but outcome. A different set of economics, because if It is just prohibitive to think about buying a home where you are with that kind of income, if you don't, get a pass all mouth because you live in California is still there so that what it comes down to Aaron's, whether in New York City speaking of expensive iron how're, you good data, Oh, that are then deserve. How can we help, try and keep us imports. We could point I mud twenty two years old ever since I got you high school. I worked in a very specific, the other. construction and I make about a hundred two hundred years

thousand a year and this year with all the overall so far and actually already out about a hundred can tell a contract or about you, the two forty, the sheer buried. I, what do you do? I also want to say why do people don't jump and career filled? The apparent specific structural aid sort of lobbying that we do out here. That is really wonderful. I'm proud of you awesome! That is amazing and my friend growth lecture. Absolutely a start, and I agree with him. I thank you, I am actually think that you are now working day and night, that's right now, but about whom I put my question was the actual live at home. I have about eighty thousand and bag I about nine thousand and an annuity through work at about another twenty, five thousand. Our traditional ironic that I spent last year are known. your love, you and I, I'll just wondering what back movies like. I love that

the man, but he felt a lot. You know- and I know really happening on the more my age talk to about it. Don't you have any people anywhere to talk too good for you man? Could you have more common sense that they average aid Americans put together, you're amazing good for you and your stood so in in the multitude of will and the multitude of council there's wisdom. The Bible says and so you're making enough money in your doing very well that you need to see Putting some experts in your life that have the heart of a teacher so get online and get a smart vesture pro and go meet with them. And began to map out watch. Some of your goals are four you're in sitting even get online and even start talking about having a will Everyone should have one regarding their age of their eighteen years, older older and that's an expert. You started The financial people in your life that way

advise you because they do no people like you. They do not Well that more money than you and less money than you and they can true and say well, here's what one of my clients didn't here's an idea for you to think about, and they can each you? U dont, do it because they said to you: do it because you learn from them. Ok, If I were in your shoes, I would put a date certain on the calendar that I'm moving out. Ok, I can tell you that can be to a rental. It's ok, I didn't. I didn't give you the date, but it doesn't need before years. be good for you, as a young man emotionally at that. During all this money to not be living in his mommy's basement. Ok, It's not it's not like you're, a bad guys, not like your weak or something like that, but I don't this to have no end date. If it's got an end date than every body in your house around you, your family, or vice versa, plan emotionally for the

that Aaron pack up his box of her trophies Ngos on his way and guarantee. Did you grow up in this area? I actually live out from where I work actually live in New Jersey, like I sat down we can only have you can live in the same neighborhood, then I don't care where you live, but I'm just saying I get on your pay your own life, built by your own food by your own coffee. In May. You know that kind of stuff lock the door when you leave all the things that adults do That's gonna be good for you light around. You don't have to do it, you can do it in a year. You can do it and I don t much. You can do it in five months. I did not give you the date certain than they did before years. I did say that, and I wish you d started grab.

Couple of friends that are different than you. Ve hung out with your whole life death and guys are gonna, be able to walk. If you teach with you in this new place, you ve levelled financially, while and you're gonna need some new eyes and ears around you and more here men college anytime were impressed with John alone a good show good, show James Childs and carried out using the booth. Andy Ramsay, we'll be back with you before you know it. In the mean time, remember, there's ultimately only one way to financial peace and that's the one daily with the prince of things right she's, its Kelly says you pretty. Certain funds remain for their answers. You would like to do your camp recently lying on the cell extreme visit. The Ramsay shall not register with the plenary today. Your story, money isn't the only thing we talk about around here. Get life. Changing advice on your career from my good friend and career expert can combine makin com and show, according to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, it can com and show is for you. Everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is you were born to do and then will help create a plan to make your dream job a reality. You matter and you have what it takes join. The conversation on the CAN Coleman show here more from the Ramsay network, including the current common shop, where ever you listened about gas. Hey it's James. Prick

Serve the Ramsay show. This episode is over the checking,