Fly from the head waters of Graham three solutions: broadcasting on car rental studios. It's that Abrahams Asia were better stop gap measures. King and paid are much more in the place of the Bmw status, symbol of choice and they ran through your hosting you jump and we'll talk about your life and your money. Forsaken is Michael owes today, Ramsay personality number

By selling author of the book every day, millionaires- and you do need read that book chop people became millionaires, not mythology. It's the truth based on research, so check it all out open phone chair a triple. I ate two,

Five: five: two to five for Chris Enemy in article writers, we're going on the air survival mode over sixty eight percent of Americans had financial setbacks in twenty twenty. Amid the pandemic, more than two thirds of Americans experienced financial setbacks and twenty twenty due to job loss, declining household income or draw down of emergency savings according to a new fidelity study, job lost, declining household income or drawdown of emergency savings. Knocking the report by the financial services company also looked at how America's plan to handle their finances as they head into twenty twenty one and continue to face challenges brought on by the pandemic. Wont. Let me correct: Yonah Yosemite has not brought on by the pandemic. Financial challenges are not on brought on by the pandemic Papa brought on by the economic shut down because of as they that's what the government says. Ok and the government

it brought on by your government. That's where you financial problems are brought on by when you shut down people's ability to make a lie, make an income then they're gonna have financial trouble that really wouldn't be an insight. Usa today, that would be a fairly obvious conclusion cause and effect, but it's not the pandemic. The pandemic and causing because people being sick with covert, did not cause the economy to collapse. The shutdowns by the government costs the economy to collapse in fear of people being sick with a pandemic.

and lots of things to discuss their of the people surveyed over thirty eight percent, so they will spend a year ensure five or mode. Now. What I want to talk about Chris from this was I get any time. I see it's a good service sympathisers. Three thousand people, such as its legitimate statistical, are statistically significant. I dont know the wording of the questions that they use. To draw their conclusions. Where are you having started statistics and you- and I spent a lot of time on research. methodology when we were building out. Our company was building out without shot research firm, the study for millionaire right, and we want to be careful to not asked the question in such a way that its leading and we don't want to say, ok, what's really going on. We want to get behind. What's going on so for Listen this thirty eight percent

say there in survival mode in twenty twenty one, but the unemployment rate is six percent. So Europe. Without me, if you're too household income, you lost one income right and you had built based on double income. You could be insarov, em up still not be unemployed. Want one person viagra, but the other will not be so that's possible, but what I would read between the lines under this research and say is that one of the biggest problems with the economic shut down brought on by the government in an attempt to control the pandemic is that in his affected attitudes, more than reality, depression is up, though, without about suicide is up, as doctored. Only calls from the diseases of despair are up

and so my attitude, my belief that things are worse than they really are in my house, because hazard, I watch the news so much. My house Actually, ok, but I watch the news so much that I think things are bad I go into survival, moat. Ok, I'm with you and it's not an actual mathematic thing. How it's a self fulfilling prophecy? It's a I'm freaked out, because I've watched the news so much right. That told me, was coming to an end, and I listened to the governor of Fournier an allusion to the governor of New York and, I said we're all gonna die, and so it's we gonna work it's over. We need to stay inside and just wait on death to come and we're locked down again steel, except for the people that left those two states which is half the frequent population there with the last. There's not a California, please turn out the lights. Oh my god, People are leaving, but the and moving here. Why

they leave us alone. We like Tennessee me anyway, The shirt showed that that's the point is not all that. But the point is that yes, people are really hurting some are and we're. Here too, here we do that, but some of it and this is what I want Warner listeners about, because if you believe thing,

going bad and you start taking all your decisions based on things going bad you're, going to cause them to go about what you said was self fulfilling prophecy right, don't know! No, that's absolutely true and look at it. This its sixty, eight percent of people had setbacks. Twenty three percent lost a job or household income. Twenty percent had an unexpected non health emergency. Eighteen percent had to provide unexpected financially to family or friends, and then sixteen percent had a health emergency in their family offers the unexpected health that down here of the first page, twenty percent had an unexpected, not health, emergency non health emergent. So that's called an emergency that one in five right Had the number we ve quoted for a thousand years around here and its state. True was seventy eight percent of Americans in any given pure in any given year right will have an emergency and twenty that's about right,

twenty percent would normally do that without covert without a non health emergencies about twenty percent people having on health emerged. No seventy eight percent the signal sent a five year period of time, one such data is that all that we use to quotas and money magazines, that's five fight all, but I'm still accurate life and trains that much plus or minus pandemic grab, but the out so seventy eight percent of Americans have em an emergency in any given. No, no that's in a given decade. That's what we're so it would be about twenty it be yeah. Let's not must not far off ok. So what I'm trying to figure out? Who is so? If they surveyed me and they show, did you have a financial set back? The sure I can easily say yes, yes, we lost the entire segment of revenue at Ramsay solutions of love of its not the entire, but we lost ninety percent. However, other areas of the business are up to the point.

our overall revenues are up right ear over year, not down, but I did receive setbacks. Show it the on my attitude. our matured situations out after that I could go, Things are bad and yours, my spirit and a moment. So it's all bad, and it is not going hats this year and we have setbacks right. It's been very freaking, stressful and it's been hard has been really hard for some of you out there. I know that I'm not making fun of you at all. I know some of you have had a year from Hell. I understand we're here to help you work through their and be the third pig the next time and the council and the big bad wolf caused by we want where we want you to be there again. We want you to be in a reset. My work on a healthy is what we do, but you're Food is important, is reflected in the survey, I think I would think so. Do I think you're right, I had a setback without em up

so what we did. Why is there a way? I am sure that the reason why answer that question is based on my attitude, not least from the mathematical reality. This is that Abraham solution save money on your Christmas shopping with my favorite shopping tool, honey. This is honey is helping pay for one million dollars worth of gifts. That's thousands of prizes each week just add honey to your computer and throw some gifts on your drop list for a chance to win Honeywell randomly select winners and give them shopping money no purchase necessary. So the rules and get started at join honey, dotcom slide. Ramsay,

Why should I go for obliged argon found out for yourself? Why blinds dog com is the number one online retailer of custom window covering you get free samples shipping it with a new promos. They ran all the time you ll, save even more always use the promo code Ramsay. If you want the best possible deal, it's come like magic. What's up, Chris aren't. I can't wait to hear Dave's reply to this. We may disagree. Today's question comes from George. Pennsylvania says my children, or six and seven, and have accumulated about five thousand in cash and give since they were born. My thought is to use the money towards baby step to with the intention of investing heavily in their five twenty nine. Once we get to babies there

four, five and six, which we anticipate reaching by the end of the year. My wife, on the other hand, feels guilty about use that money to pay off consumer debt. Please advise Ok, I'm goin. First, absolutely no use a kids money. You get this for the children, you don't cracked that piggy bank open You leave that money alone. You put it in the bank and let it grow What are you sure you agree with? Do you really? Ok, ok, and the reason is yes, it's five thousand dollars it's not five hundred thousand! Technically speaking, it is not their money. It's your money! From a legal perspective. There, minors they dont, held assets. Now the answer you could use it and be legally ok. The problem is that you're going to feel like a dog for having used your little kids

money to clean up your big boy mass, and it cannot be that that feeling is gonna, cost you more money than five thousand dollars, because you're gonna be looking over your shoulder. Thinkin gods gettin ready smack you for doing this and alter them in your. You really are veal guilty about it right, and so your wife is her Spirit, is right about this and Christmas right. So I would leave it alone because, even though its technically ok,

it's not enough money to take to do the emotional damage to yourself, because unless you're a wacko, you feel weird and bad, using your kids money on others, wackos people doing cocaine and they go stealer kids money to buy cocaine, that's wacko our hide or they steal their kids identity. That's wacko that kind of stuff, but on the tarmac, wacko onto a normal people, and most people at least have some love for their children and would feel weird about unit money, and so they would all go along what you're saying Chris Anna? It really does it's because us so much of this stuff is about managing attitude and behavior. What we're talking, nonetheless, segment and and this affects attitude does and therefore behind Sean is whether, in LOS Angeles Haitian, welcomes that I've Ramsay show they D been frequent. Did Michael Chirrup what's up.

So I think I'm on baby said, for I have not given saved thing about proposing this month. Mcgovern so like that, How do I know you do I do it taken tonight? I think I can both in my mother emergency fund a little bit exam. Quite a bit. Save money or you have left us like I'll, have fifteen thousand what your income suddenly, two dozen ok, You got some say this now covered a bunch but you're, probably right flowers, for your emergency, not government, then somebody you found much better on ring. But how do I know you suddenly, amongst all figured had another five hundred acres? Four thousand and you don't have any myself towards a ring, when I die. It's been decided, workings. I've been like putting lifelike last six months, so so yellow plausible. significant date. Next month I gotta be a nice time. Doing so is gonna show how much thirty! Five hundred, can you scraped together between now and then.

probably lead to ban them from other mafia style. Fifteen hundred urgent given prior when kill you, but you gotta put a ride by pretty bad yeah and I might consider going twenty five hundred unjust cash loan it that little bit of a marriage years, my wife marry me that ring was point to three that's less than one fourth of a carrot. That means you cannot see it. It is a speck of it. It's a little speck. Now not wear that anymore. Should that's in the safe for nostalgic reasons and she wears a headline on her hand now, but but it started with a speck, and sowed the out. The point, as there is very little correlation between us as the dominant, the success of the marriage right, you have none except there. an inverse correlation for some point. If they require

large diamond they're, probably a bad deal so yeah there could be an inverse correlation after sharp punctured point for me is so is the Ramsay rule, one months salary now. Ok, what that British, because I'm Joe restores in them also three much right disfigured. A third of them are your airing on this, I'd say about me think about how she makes seventy ground that Parliament authority followed I'll ring feels right, though this will write. A thousand dollar twelve does not bring. Does not feel it s wrong. That's right! Whereabouts! more than sufficient to seal the deed, Assuming this deal is closing, show Jimmie Dale desire. It boils down to size of ring, and all this you're in a business negotiation was in the marriage.

And so you need to see that red flag for what it is so last thing on this is an hour. It were our shown we're having fun congratulations. This is a wonderful time for you, but really, if you'll About how you, by the diamond twenty five hundred or go almost as far as thirty five hundred, I will at a different place, and so, if you know someone who knows a little bit about diamonds. It can help you and help you appraise it or something like that. A high end, pawn shop is probably fifty percent of the retail Joe restoring them all and you really find some deals there from time to time, but you need to know a lot about domicile. You don't Bobby Seale, cut glass, accidentally right, ok and and understand the look just read: upstart researching in Richmond three thousand dollars on something you need to learn a lot, but about carrot about clarity about cut

you know and cause here's the thing the stink and things are not an investment. We got a bunch of sharing. Does unaware jewelry, but she's got a bunch of them and they dont go up in value. That's mythology show it's just S. W Asher wants it. That's the only reason we bomb is diamonds or girls both for another, really not their duchess, to advertising slope rain, and so it just their sweet and they're nice and its good thing for you got to do for your lady. That's a good idea. Do it and spend more money on the spot, but dont do it based on its a good and fair.

Mother, just gonna go up, that's a load of crap. Ok, just do just do it, because it's the right thing to do is a gift and write something fun and am leader as your income. Girls up. If you wanted to upgrade, you can do that. That's why we did but you're not gonna, get rid of that first, when I can tell you right now for non sentimental standpoint, but it's good to hear and guys out there be smart. You know, and I think that it would have to look at some diamond brokers. Ryan. Look at me, look at some high in pawnshops and shop around, because there is a certain furniture and jewelry have dramatic markups in them and so that you can get deals. If we just a hard drive, you learn about it and you push back and you negotiate an you shop around even pair and you don't just go just walking in the mall in her pretty well. That's it open phones, a triple eight, eight to five five, two to five. What a wonderful thing! That's

right after the first the year than for him they're. Getting a gauge us good grabs, a lunatic, very cool stuff. Good good good are at Joe is on Youtube. If our phones are included our monthly phone bill, should the price of funds be included in the National Bob, you pay for your phone period or you don't buy from. If its included in your monthly phone billion, what that's called payments you financed your phone do fish, don't find it your phone. What good Lord pay cash, even if we gotta go, get a flip phone right. How do I know you're gonna? Yes, they still make a bundle. You carry one hush her mouth, but people be small, you're no pay frugal, your Ramses build a. I can't do this

around forty.

at last. It was one of the best decisions of my life. That's what you said about using timeshare exit team to get out of his timeshare after the resort refused to let him out. Listen. I've said it before. If you ve tried selling your timeshare and can't if the resort refuses to take it back, call timeshare exit team, the people, I trust, call eight for four: nine, nine, nine exit or time share exit team, dot, com, Chris Hogan Ramsey personality is my co host today here on the air, open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five George and

they are with us in to Georgia, says on my screen: you're dead, free way to go guys! like emerge way to go, how much of you guys paid off salmon. six thousand five hundred and five bucks in ten lines on range of income during that time, started about ninety nine thousand six hundred and sixty, and we ended with ninety three thousand four hundred and twenty in I didn't do it. I had to decide the internal ten months by Archer, John, you guys what kind of debt or seventy seven. Graham that was the biggest part other about fifty thousand dollars worth car loans and credit cards on top and out. Of course, you gotta have credit cards I'm not your dollars worth of car loans that you sell. Some we got rid of both of them. We try to demand. We saved money about cars in cash,

when he drew out o nine at all joy Jack, I'm so in mind. You're gonna sell your tactile Dave. I have connected with these two before Barclays as Rapporteur. It doesn't amazing. Job his fiery and feisty, but they they got intentional. Dreamily serious, tell Dave kind of Some of your motivation was behind this sudden low of intensity, so a year ago we and our first year, marriage experienced our first merit miscarriage. We had a couple more after that, but really a few months after that we win just down and said what something that we can control and also if we actually got a child into this world, do play like page. I could. We are even afford at this, and so we just I got it heavy with. He asked a jacket just about

every day and just started going through the house and your silence, Fatima wages, We really I'm and during that time, of course, we have more miscarriages and it's almost like each time it happen. We got more intentional with our go thou as we took her one thing and it turned out tat. Child said the blessing for us on the earth. We were lucky to have experienced to get where we are today. I hear etc, etc. RO right there as it is so well done you guys, I'm so proud of you. Why did not allowing idea, how does it feel to be free now? I actually feel like my feet on the lead me, even though we still know that it's all right, it's worth a lot closer than we would have been

yeah? We actually were before we started. Somebody gave me a few ten years ago the dvd sat, and it was the one thing that, as I moved, I never got rid of and Philip What a dvd thou a year ago- and I really don't- have a dvd player anymore. silver bar girl, but during that same time we were looking at homes and we were trying to scotch together, like two thousand bucks, why we can put a down payment of two thousand dollars right I mean we did tat. Idea, you borrow money from family just about it. Yeah like we sat down and really cannot hunker down on our budget, we're like loose it does not accept those money from other people is a bad idea were just put yourself in a worse situation. Payments and technically we couldn't afford it, which we couldn't afford. It somewhat was the car you saw in the truck you shoulda worthy

So mine was Lexus G access. You ve had thought it was the it was the mom car that I would make an aid, but the ninety eight at the time, and that, with my fifty thousand lower Cocker that put off about I am not so far, but I thought I was doing well, so I thought out and then people dream of data about lowered dealership, Darwin Latona we'd traded at an. I got a runner with certainly my planet, but in good condition, and I got a six thousand our father. Thank goodness. Taxes cannot push to July because we are able to use them back money we had set aside to buy that and it worked out gray. I mean I M timing and everything is worked out really really well for us, our Europe. Bon, you really worked hard. You sacrificed, and with cell in the two should Bernajoux cars. That's emotional

you, but it also. It also signals the friends and they start making fun of you. with TAT. I was so excited to have that like this originally, but what we do tat. We had to immediately change and we said so- we're gonna take us and we can actually tell everybody how much that rain and work to fly at as that and as usual we weren't gonna be able to do it. We were right couple years and when I would start looking at their the budget- on the everyday out and I'm like? Oh gosh, George, look at those we can put another thousand towards this. Dont even a month earlier in a month earlier and then the funny thing is like, with the biggest the Beggar summit consistently reminders, retired everything on Monday of every month following months somehow. get a reimbursement check or an overpaid medical bill or a refund of some sort, and we just throat right to our diet. I wish it would,

and I was actually think that made us the most happy like times. Were you look about money in your tempted to do something like that? We never did today in your face when he had to put this towards dirt and pay out quicker. We deplore blood, each time that we get tired. I so that's amazing thing. Will never stop doing less room. You guys are amazing at the decision you made, you know the year we ve done Then twenty twenty you ve got people that are out there that a delay in getting started. What are you gonna tell em You gonna tell him to motivate them to go ahead and get going on this process, No, you don't have anything to anybody else. We put your PA beside him, because if you can stop an applicant, we don't know what our neighbours are going through. They dont you, don't know how many people are and that we had so many people who were friend of ours that we're like. While you inspired us, I'm this amount of money of that like it, you can You guys, don't you have a pulse, you can get out of date.

Just got it put your gratified and due to observe- and I would say this life is yours for the taking here. That is what you make it to be. So if you wanna keep continue on the path to your own, keep on their own It was never show you wanna Jane who were you on them not indifferent and charge had even creek. Here in August, I just got their rain people s church should soup subscription. So I do you feel like we are completely surrounded them. You know it's like the extra confirmation that like not only did we do it, but we we father, I programme not only the charge for by your walk and breathing testimonies. I'm so proud of you guys very, very well who were your biggest cheerleaders I would say no direct family just catch, as on him, and we also have to keep in mind that what we have done.

I'd love to pay due to a number of members of the charge that would cost only retail when they found out those a few of them that we didn't see often, but they would come in and they would just tell us how proud they were where we were and don't we it was like a people came the woodwork magical. Congratulations, you guys. We ve gotta credit Coptic Christians book for you. If you don't already have one that is, day, millionaires us the next chapter in your story for sure very as a rock stars, somebody's gotta needed them. we got out of there. We also found out we were pregnant, so painful their story. That's great news thanks for sure that part,

seventy seven thousand bite off in ten months making a hundred Thou accounted downloads era. Debt breeze grew why so what they really are powerful stuff? This is that I remsen

the jargon Ramsay personality is my collage. Today, open phones are AAA eight to five. Five two to five Aaron is with us in Illinois. High Aaron welcomed that IRAN's Asia agitator great help. Well, so my remarried about five and a half years and Mozilla startled again on the same page financially and just finally got a red tunnels. make over which he agreed to read like one chapter a week and then she read it all up like three species got into it, but I'm trying to get her to do as key you. Nothing would really help us just with like getting budgeting better long term, and I don't really know to achieve early

The politburo that she wants to do is use. I think, stay the course now. It would read one but an I kind of like when you were a little more began your rights for that. how many kids you have asked for one of the ages it till eleven year old a two year old and a ten muckle, so she's been busy. Yeah, I'm confused once your concern as she says, she's really enthusiastic cause. She read the whole book. Allah wants real fast, so Why don't you want to do the book? Well, are you still? I am now I feel like maybe just a struggle with any kind of show with like an understanding how to actually budget well long term tunnel. Where am I Finally, I feel it would be good for us to go through what I would do is just say: let's get on every dollar and down

the average free Doncaster thing. Unless do the book in every dollar, if you want, I investigated Ramsay Plush, as well as a free trial, a fourteen day free trial, Seventy free trial, whatever you jump on their right now, a diagram. She dot com and you can do that or you can text begin. Thirty three seven, eighty nine interstellar hey, let's look at the free trial to gather and if you don't want to have the free crown cancel it and do the book in the EP, and I was asked about the kids day because often times in order to get a spouse on board. Every parent wants better for their kids and what they have, and so, if, if you connect- and you guys are thinking out loud about what you want, your kids, they be able to do. The things that you didn't get too and you want them. You start to realize as a parent or grandparent you're in control of that you just got to make better decisions and work together. Then that could be that step in dreaming and high definition, but no you're right that the total money maker remedy right now at books

ginger still on the best seller list, and it still weaken people up and joint people what to do but dollar is well plug it into the app is nowhere you gotta go, you can do it on law and plainly for a girl, and you can do a free trial and see if Ramsay Plus, for you you got it could even binge watch through after you are you're doing that and look at it together, and then you know that in Austria. Think look at it and ask her to do that and should do that she just worried about, spend the money on imply more understand, she's, all enthusiastic. Now it's a good thing. I just I would go with that. Man was flying with Morocco whether this is what this would throw Jordi pay just run down. If you want some extra cash Christmas, this is the final week to enter our Ramsay Cash Christmas, give away. It could be chance to win our grand prize of five thousand dollars and make this Christmas extra Special entered daily to is your chances of winning our grand prize of five thousand dollars at Dave, Ramsay, DOT, com, slice, giveaway process, not to

to get life, changing gift for family and friends. This week, only you can get the proximity principle and love your life, not theirs audio books for three dollars each. My might be something to get her business three dollars for love, your login, others, that's good, three bucks! That's what do we do that when you give it away Opel cheap. If you lie, Vietnam will also launch Christie Rights, brand new devotional living. True forty days to get back to you tonight Tina. Ninety nine is the perfect gift for you, your loved ones, to get twenty two once started right order today in it everything in time for Christmas entered a win some cash and saved from serious money on your Christmas shopping today, at Dave, Ramsay Doc, slash, giveaways no perch necessary to wind, so check it out. Folks, they rambler, I'm gonna, come look at it. The form this is the easiest form I've ever seen to enter. To wit, knock you get blocked for some and every time I try to put my name in here but I'll they cause Chris

Eighteen, member on you're, not eligible rebates on protein squeeze we have a low censure on. Theirs is Chris Organs such she. Don't let him register accounts Rube elicited we people. This is the easiest form. You put your first name lasting email phone numbers, zip code to win potentially violent. Europe. The five pounds are defined. Those are all go we're down on the ground. It is the big one, the big but do it. The big dog is, on the porch, Frank, isn't also Oklahoma, hey, Frank: what's up a guide dog, he, as you know, our term listener, but a long time follower of your programme last thirty five years, even though he had me do that law You had common sense before new now can we are so I've? shovel our problem. I've got a large shovel and knowhow guided them. Investment, helped us a ass, I or rather that contribute to max to every year, but I don't have it

its money in my raw fiery. Can I open it? simple. I re I'm a one man business contribute to a rough simple, yet Yup simples can be Roth, I think sapped can be Roth and they exert though my tax guy in my broker gases that I cant do wrong. In my sitting. Ok, general, ok out I'll, go out. The first of them are just subject, gathering us definitely you can do a simple as wroth and you can You can lose, you can roll out of a ship every year and just pay the taxes, And on the euro becomes us It becomes a Roth ok. Can I can work the other traditional IRA money that I've got to that. are all about. You can all in all a rough. How are you fifty eight ok You're gonna leave it alone ten plus years, and it sounds like you got pretty good NASDAQ, don't you as bringing it how much.

two point: seven million good for year, such down dead. Well done so yeah. You show them Don't you want to do it all at once, but whatever you role to Roth, if you leave it Live alone ten years are makes sense and you're. Not using all this money in ten years so that you are going to leave alone unless you just play giving it all away or spending like a wild man, but that would be a change a clear picture enjoyment. you ve done so well, congratulations anyway, living in giving like no one else yap, so yeah every year old rosters can be taxed at your tax rate, which are in three fifty to forfeit.

what you have thirty five to forty percent hit on every dollar euro and for it to recover with tax free growth and for it to make sense you gotta have a decade or so. Well, let us at last get less likely that well, that would be true, now would be to show you got. No penalties on earth did, but you, but you are taxed on it and I dont suspect your tax rate is going to go down under this administration because you are an evil rich person Well, let's ok, yeah you're, the bottom right: do you have any old for one case from previous jobs? Now, sir, I can run

you're, converted all or yet left. Well, I'm proud of you man, great job and for people who are out there. We were talking about converting. What we're meaning is is that you are going hidden, paying taxes under situation in your current state having the money not taken from your merchants, he fun but being able to cash flow. The tax. If you cash flow, the taxes, then you effectively have vested more from a math standpoint. Frank! You out that yeah! So, like you take a little, I take a hundred grand and you gotta thirty thousand our tax bill and you pay the tax bill. But you leave the whole hundred grand in their it's as if medical! You ve invested an additional thirty grand and it's all growing from this point on tax free, so you'll come out day one, but for it to really make sense It's about a decade to Roma around so how much further still inherit. Ah, it may be up one hundred two hundred seventy five thousand, but I'd past directly through my kids. I keep any of it so so that is not why you

who pointed out now. How did you get it? How did get two point? Seven million dollars. I went to work, Today and I saved about forty percent of the income rope, you killed a simple formula, effort and sacrifice eat, be every day millionaire out of doubt. Nine out of ten of them did not inherit their money don't freely. if what you heard it was ago, Frank, I'm so proud of. You are you're a stud man, that's amazing, nitrogen childs producer Caledonia, our social protection phones, brainer, I'm they ran through your host. We will be back

Its Kelly associate producer advance greener for that Abrahams issue. This episode has ever, but have you heard about it of product or service? It didn't have a chance to write it down. Don't worry. We lost everything you ve heard about during this episode in the podcast shown that section or had ever Dave, Ramsay dot com and click Dave recommends. Thanks for listening, have you got questions about retirement, investing and becoming an everyday millionaire? Go beggar and broader with my man Chris open on the gross organ? Shall 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 Kosovo show wherever you listen about gas page. producer of the Dave Ramsay show this,