From the headquarters of Ramsay Solutions, broadcasting from it on our car rental studios. That's that day, Ramsay show that is down just about mortgage has taken the place of the Bmw, the status of women and they ran through your hosts. Thanks for joining us, open phones AAA eight to five five, two to five, that's AAA eight to five five two to five next is going debate, starting off the shower that injures allied Jump in Tennessee, a larger. How are you

Do you think you're taking my called the company and thank you? How can I help the observers, so I'm calling in regards to be understood in the mind she lives out estate and she's in a financial disaster blessed years been pre top for both of us. Some. We lost that dad's of unexpectedly and been after death, she went through the force and its really kind of just bailing out of control and my wife- and I both have great jobs- will be almost entirely get free in the next few months and we're trying to be a good example for her, but she stone walls? It's really won't give us any kind, awaits you to help her out or conduct ever guidance and, in the meantime, she's gonna taken advantage. My mom and other people down live around here. You just become like kind of like a boar checks and an end.

You now to take advantage of them for whatever reasons and is trying to find out a way. We know how can I get through to her and really you no help her out. You're really show hurried out. This is not a healthy, Pat were and kind of rights, above all a bed where she lives this encourages offering you up there at least cover times ear. Well, it sounds like that her. How to control craziness is being financed. Why would she have a reason to stop it, I have talked to my mom about that. You know the introduced her to the other word. You say you know all the time and to really stop enabling her. My mom, but in terms of other people,

there. Finally, coming around soon, I think she's gonna use this emotional stress as awaits you are wearing shake her very real to her. She's hurting, and everyone should help her, that she is hurt. Waiter mind is working build. Our cushy is hurting. Just how she's reacting to the pain. That's the question right! I know she makes great money watching what's gratefully what she might A host of cheating over her case she probably makes around sixty seven year, issued a very low cost. Yes, how many had low castle just too well the problem. Is you cannot crazy and stupid or not illegal so you cannot make people do stuff and it's just its And I think one, the most painful things as an adult is to watch adult people that you love

Do things and you can't stop him from doing it? your grown kids are and stupid zone are here, brother, your sister in your cases in the stupid zone- and painful to watch him. Could you can't stop I am so one of the things that happened, though, is sometimes you use your brother voice on her rather your friend voice answered I have discovered in the times that it does work doesn't often work because she read. Does not want your advice, that's correct. Very much Yom apparent to me, and so you know, there's in it. You know those my grandmother used to say those convinced against their will are of the same opinion. Still that's. Why arguing with me on the air is a short call because not here to argue with you. I already know what the correct path is. It's what I do all I do. I can't help you

brain surgery, but I can help you with your money and I'm not going to argue, with you here on the air about it, because I'm right near wrong charges move on, ok, so in my grandmother used to say those convinced against their will are of the same opinion. Stay also idle Spend a lot of my energy, my personal life or here on the air, trying to talk to you when the doing stuff that don't want to do stuff people, the current wanted they need help and what help I'll help you all day but I'm not gonna just walk up to you and go that's stupid referendum unleashed a car there. The dainty brought it over two miles to show it to me. Now that was an interesting transaction. You know cause It's me. I tell people leasing. Cars are stupid. He knows that and so what was what am I supposed to do why Should I love your new car, its awesome he really wasn't asking my opinion about Lee a car heed our we decided what he was gonna there. He was gonna be stupid, and so

don't you got your nice car, I'm happy for you, good luck with that. You know how it works out now go into, but what works I'll answer, this is what my inner here right. So Point of all of this is that the only times I have had If I remember that I have any family connection. If I act like with family members, I don't have family connection and I treat them a an acquaintance that I need to convince that keep me from using my dad voice or my brother voice, or my Whatever voice right, my family voice instead unlikely I'm sitting down on sweet girl. You can't do that in army. This is not and if you, if you don't come off like our brother, but instead one of her buddies that you're sitting with someone that she cares about an respects by any just got I'm concerned about you? I love you, and this is not working for you and in out wife convince Mondo, not what you drain heard dry and you

really need to address this. I know you're scared. I know you're out of control. I know you're flailing, I can watch you do it and it hurts me to watch you do it. How can I help you cuz? I think I could show you some of the stuff, but I know you don't want to listen to me How can you know- and you just but It's really difficult! It's really difficult cause, she's, What is she's hurting from all that she's been through in the different things, and she just not thinking- and she doesn't want anybody to address the fact that she's, not thinking and I it's she may have to get in some bain before She'S- ready for some help. Some financial planning Observers have what my mom and I address that That's really gonna be the reawakening for the twelve supper say when you ve got like an addiction problem, behave misbehavior that you have to hit bottom before you listen, that's what the two after per se- and it's got the same thing-

in Andalusia ha Bottom, a low bottom up, and you can hit bottom by just going. I'm just disgusted or you could lose everything your job, your family, everything before you at bottom and that's all a real low bottom right, and so, but you can do- we're masters. You have to come to yourself member! story of the year. Prodigal son took all A blue all the money and ITALY the pig pan right and the Bible says he came to himself like a bottom, they realized this. I'm Workin I need to change something and they have to go people have to come to that. Usually before the listen I wish I could give you like the perfect low form that you can discover dangle these do do these say these three things and she will magically girl brain but she's not go into knowledge. Just she's she's hurting it's just and just right where she is, and you know any you know What do I just lay out a offering just go when you're ready, I'm here,

when you are ready for some help, when you're ready to get control when you're ready,

He had grown up. I can show you how I'm here, I'd love a fly up there and should now help you do your budget when you are ready, I'm here, that's it! That's the minimum Unita their banks for caring about your system. This is that I Ramses folks. I don't have to tell you what your student loans that is doing to your budget, get rid of it, go to splash financial Dotcom slice Ramsay and see if you qualify to refinance your loan to a lower rate. Unlike other refinancing, splash has no fees, I'm talking no application feet, no closing costs, not even an early pay off fee and if you qualify, you'll get lower rates to help you get out of that faster sounds like a no brain or to me, stop wasting time go to splash financial dotcom slice. Ramsay check your interest rate in minutes and see. If you qualify

picture for a second set, your riding a bicycle up a heel, I grew up and tell us in our neighbourhood there was a hill. You have got to go to cut, go to college Sokoto gotta, go if you're on your back to school, one colleges elementary school and little Betty weak legs in, and you can't get your bike up the here. What do you do we go back it up right, both internally, you learn to do which backed you, go back and forth back and forth back and forth Mega Board and gradually work your way up the hill and keep the bike moving. Annex hustling and Hassan grandiose on ground now, not really talking about bikes. I'm talking about money. With your investment just the same way. You go back and forth back and forth by you keep putting money and you keep pumping He peddling you keep him, you don't get out. You don't quit.

And also when you get to the top of the hill. Their investments. We called the pinnacle point and that's what which are freed up on the handlebars, and you can. Here the baseball cards and spoke of your bike, and I have we'll stray merger, my little stream written in the handlebars and Europe, putting down hill and the head of the wind is blowing through your hair. That back when I had her. So. The pinnacle point, as you ve worked and Martin worked and worked and worked, and now you get to take the ride back down the hill or the hell. The other direction. That's when you're investments are big enough. They are making more money than you make. When you have a lump sum nest, eggs so large that it creates more money annually, As a return, then you created your job. That's the pinnacle point.

Now, for some of you, that could be several million dollars for some of you could be a million dollars for some of you could be less, but that's why Your money is making you more money than you are making. You know that the nice go. That's a good one to reach for the pinnacle point. Look for that! One. If you need some help figuring all the stuff out. We know that the typical millionaire in America, based on urges study of millionaires ever done that we did Typical millionaire uses and invest more professional. They sit down with someone not Make their decisions for them, but to give them options and teach them with the heart of a teacher. And that's why we have group or a group of folks. We recommend they dont work for us. They pious endorsement vase. We endorse them. They're called smart vesture prose. And you click smart, restaurant dive, Ramsay, dot com, little drop down. Oh

when your informational drop down list of Smart, Mr Prodi, in your area, and you can pick out the one that you to work with and sit down. And they should have the heart of a teacher in it. Now you are aligned with them on value system, and I got nothing and Europe. To go Changes everything you guys, you need to do that so. My producer, James sent me this article today that is really does bring it on the Wall Street Journal D. Ships, give car buyers advice stop paying your alone and just a car and repo. Your current car. Now that such a dumb idea that I can't believe that people are actually doing it, but they are apparently the trade in is where the by this is from the Wall Street Journal, whereby our hands a car back to date or ship and uses credit towards another one is often occur

must have been carbine, but some dealerships are instead telling buyers to give their old cars back to the lender. Voluntary repossession and then sell them a car this known as kicking the trade, never heard that fresh, kicking the trade. Difficult to estimate how much? How often this happens- auto cells veterans say the practice- is an open secret in some show rooms. Oddly vehicles are getting more expensive and Americans are struggling to afford them? Dealerships now make more money arranging financing and selling vehicles, which had been true for twenty five years. If the Corleone goes bad, a typically isn't the dealership it's on the hook. It is the borrower, and the lender. Consumer lawyers say they have seen more of such cases. Five years ago had happened to her times a year. She's Daniel the Connecticut based Attorney, who has suit dealerships an auto dealers, now were hearing about it. Once a month not twice a year,.

Problems, often began when the consumer to buy cars that can afford us on loans. They dont understand dictatorship. Compound the trouble. So here's. The deal, in other words these They call dealerships are suggesting to someone Where were you really don't want? Take your trade in just quit panda payments on call your London Tom become get it. Repossession, it's a voluntary repossession knives. Take your trading, it's because your upside down the car, meaning you owe more on it than its worth. Ok, so you, oh twenty, two thousand dollars on a car, that's worth seventeen. Five thousand dollars in the hope that will be a normal transaction and this on ethical dealership suggest to you that, instead of during the five thousand dollars, the twenty two thousand hours that you o er, the five thousand dollars that your short were you trade in our salad. Still doing that, just die by the payments, more get repo well, obviously, Tomorrow component, you didn't you, you shall be

I prefer the shed. You were car by majority entire pay moral component, there's a lot component you're gonna, get your butt sued. There's a credit component and that is you, ve destroyed your credit course I shall, car before the report actually occurs and before your credit drops. And so this is someone oftentimes that could be current on their car and instead of just working a traditional trade in be going further in the hall, which would be a bad deal too, but still doing Had they do a voluntary possession lemme tell you what happens when you go to? five thousand dollars on a car were seventeen and you get it repose don't sell the car for ship tea and you can't get retailer sale for a car and repose lot? They auction a ripple auction, so what is the seventeen thousand our car, bringing repo auction eight or ten thousand bucks

so instead of now owing five thousand dollars difference when they come after you for the difference, because they will sue you for the deficit. Deficit is now twelve fourteen thousand bucks instead of five thousand bucks and you destroyed your credit Also you can get another car wow, really stupid on your part, unbeaten Lee, vaguely crooked unethical horrible. Get sued for it, The dealerships so what happens when things get out of control? Of course, ain't Thompson was running an article place like the Wall Street Journal deficit, cars are expensive. People can afford them not really. New cars or so expensive that you can afford them if you're broke person, which is all Has been the case by the way broke people never been able to afford thanks. There broke people when I was broke. People

couldn't afford a new car. I've been brought people on our people, looks like you can't afford that gun car what happened in the? U S is not that cars have gone up so much. The people can afford and eyes. Ga what's happened. Does that we ve raised a whole. Generation or three of children who were to grow up and refused to tell themselves know, and so they by cars I can't afford and then when I want another car and so much as I still can't afford it and another I don't even want you're trading and we think meaning ay and you throw a fit lack of low baby child on cereal. Our whose ball rotten can't get a box of cereal. Like your father, in four years old you red faced and you have your low this ball Up and you stop your love, but not entitled to new car, because I pre there and I'm an american you're not entitled and nothing you're broke,

Title what you ve saved up the money and got the money for that's all you're entitled to try. Being a new car is not a human right. That's dumber than crap. And people are like it is what the Americans you care for. Car makers are never been before a new car the ones they had money an hour. Danish finance people understand that they can afford the Average car payment America right now, according to experience, is five hundred. Fifty four dollars over eighty four months, that's the average car payment in America today, which all yours on seven hundred our carbon image new, feel rock superior right. Now, no Yoda feels more DOM more stupid.

Then the five hundred and fifty four, if you think, you're superior cuz, you got three hundred and fifty four know. You're still stupid, give a car payment get rid of a car payment. Pay cash for things that way. You'll have some money is really not rocket science, you guys don't let some crooked dealership talk to you into voluntary repo. Oh, my goodness, this is Dave. Ramsey show dental insurances great if somebody else is paying for it, but if you footing. The bill, one dental dot com is a much better way for my listeners. Why

Dental dot com is a discount membership that gets you on limited lower rates at the dentist, not just for cleaning, but even dentures implants, route, canals braces and more whether you're getting a plan for yourself, your family or your business. One dental dot com is the way to go visit. One dental dotcom today and learn how you can see the dentist on a budget. That's one dental dot, com, for me is whether, since after All- and I welcome that, I ran through show storming pay day, that's an honour to talk to you you to watch up. I was hoping you could settle a dispute between me and my husband

We started to you a couple weeks ago are really in a just now about a month and to our budget have been listening to you for a few months and family got him on the bandwagon, so try and go, and now I kind of like he might be a little bit more and headstrong about this than I am, though, to make a long story short, we haven't sign and we ended up winning a lottery drawing at the White House for the eastern role, which is the day after Easter, and so my ball was that before I started your programme, I used to have a separate law, still haven't separate account. Bed money went into every month to say for Christmas. Essentially this just a Christmas, a cow, and so when we started your programme, its God

clearly the amount that we need. Further, the trail pencil. I told him that I felt like this is a once in a lifetime opportunity and bad. You know. Maybe we should take the money out of that account and go on the trail and you the budget, now add to our budget for Christmas and heaping said no. We need to keep on our baby Suggs and keep go in, and so I feel like. I agree with him, but I also feel like MRS Cannibal, can I come thing in don't know what to do. What is an Easter egg role we got invited to the White House with our science, always option B. Seven, ok, and so he'll go and roll the Easter egg on the White House Law- and I think it's I kind of like a brother- I fail to see her

their Easter egg or an opportunity, as though, obviously I wanted to do lots of educational stuff. While we were there, and so I found flights and hotel for a thousand dollars today, and so I was in an odd budgeted, maybe another thousand for food and transportation and museums, which is just about the amount of having therefore Christmas for next year. You imperfect Russians budget in Congress the year so to Graham, yeah the household incomes, one two hundred blood all over. Well, there's zero mathematical impact right in go to your income. More. The emotional thing of and the relational thing of you now slippery slope once you get off the baby.

And once you decide you're gonna just start doing ram. She is right, then you're gonna be out. Where you go go from there, so what should I probably would do in this situation. Back in the day we weren't MIKE into it Kay when we are trying to do the stuff, but would be he would say. If we're gonna do this, we have to cut something else. They weren't around a cat, like she's gonna be a lot of our Christmas. We're just gonna. Do it at Easter right Mrs got Gunnar is not it's not gonna not happen, but it None of this is Christmas. Present money for you now get a big Christmas present I'll get a small Christmas present. Something like that something else we have because We had to learn that we can't just do

everything we want to do, because you can rationalize the crap out of anything I you know part of what you're saying is accurate yards once in a lifetime thing, but part of it is so what that's what he would say. Doesnt really change your tweets life. You know problems may not even remember it, you know you will It is not not many people, to do this at some funny thing. But you know How many of us never saw? got a friend of mine is going to New York City next week's first from users in New York City, forty years all show He lived, though it hidden counselling, but also that you know So honour it, your kids gonna be, ok is appointed it just like kind of a nice thing turn a grant to And out of two anagrams, not that big a deal it's really not. You really need to somehow we,

stop ourselves from just buying crap. You night Oh! You got a somehow. I is so good that you too are arguing about it. In other words, Yeah I wanted to say thank you, because we did not communicate before narrowly and the fact that there is any period of irrelevant. Madame the facts, it is irrelevant. Amount of money out of two hundred k is causing you got stress, is really good because major dealing with the people in your mirrors, Neil Armstrong, and so I wouldn't, not do the deal because a two grand to undertake its doesn't that's fine. It's not gonna view from hitting your financial gulls. Ok, it's! like. It's not like. You make twenty thousand dollars a year, but in ten thousand dollars you gonna crews. Ok, I just tell you you're insane and don't do it Ok, but this is a small and it's like most people buying a biscuit right. I mean Dunning show up, but what you do need to deal with. It is all the different,

things that makes you able to do this emotionally and you need it with the conflict, if you got all that, if you get what you're supposed to get out of this discussion, then I probably would go, but if you're just I can well. I just want to go. I'm going, then go where you that your destined for financial hell they're right, because you're, gonna, rationalize yourself and everything for the rest of your life and you're. Never gonna break the curse. Family right. You know that can't you see what I'm saying. The emotional part of this and the the. The arguing with yourself part of this and arguing with your husband part of this is the value here. Where the value is: it's not the money. So if you can the value out of this conflict and probably would go in crime logical to your national employment. Very shortly I thank you for college, a good discussion, open forum. The triple light eight to five, five, two to five: it's like we might gas

I've got a social media team and I don't hang on Twitter immortal. Fuller trawls get my instagram a glance at twitter, occasionally we're lookin Instagram about two million people, honest ramp. I see what Putting I put some stuff on its grandma. I tweet everyday. I used to be on Twitter back when Twitter was cool but origin clearly more just full of trolls and so on. I don't fool with more, but we tweeted the other day and posted a thing, on its ram. To something I say item you shouldn't see: inside of a restaurant. If you're getting out You shouldn't say the inside of a restaurant unless you're working there. Well, some like out on some kind of crazy but liberal through somewhere in all, left winger dinners are Hammer in me for three days, how I hate poor people, because it's the only joy that they have is going out to eat and so Dave poor people. Will you but that was what we were talking about. We're talking to

if you're gonna pay a price you have to change and you go out to eat all the time you can't go on vacation while you get not that you can't to eat all the time. You're gettin out of debt it's one of life's little pleasures, it was like yours, like human right not to get away from the widening of the snow play. Snowflakes was astronomical. Maybe it was like a of snowflakes. It was crazy because I because I dared say topcoat to dinner. And spend money in a restaurant while you're getting out of that. You should get out of that because that's what got you into debt do for us. All this stuff right so again all in all alone, now you going to let you go out to dinner now If you really think that going To eat human right, your color Ruggles financially did your stupid really you're gonna struggle going out to eat.

Is called a luxury to face its luxury going on vacation is a luxury, that's what stormy is arguing with herself about and her husband, it's really healthy, good argument, We do this luxury we're trying to get out of there. That's her car, chip and generally the answer would be no because to get out of bed Generally, that your answer, you can go ahead and tell yourself no cuz. When you learn to tell yourself no later you get to tell yourself yes and you get to tell other people. Yes called outrageous generosity.

Our scripture, the diverse bade her fortune, ten each has received a gift use. It serve one another as good stewards of God's varied grace John F Kennedy said: leadership and learning are indispensable to each other. When found a triple eight eight to five five, two to five, you jump and we'll talk about your life, your money, Steve is whether in Indiana even how are you well, I do that right, Stephen or you think I just stood up, I'm putting all hold an you. Gotta figure this out open phones, a triple eight eight to five five. Two five, let's try Heather Idaho, high Heather? How are you crying

I am grateful. How are you doing better than I deserve what's up through, These steps to em we're trying to come in line with your plan, and I have already told us not local and know all the red flags. It's in the small military community, animal salad. I have a proper deed manager and youth a year to year contract on a MAC renewal and they have a router air and obviously the two are not going to line so how'd you like fella and gracefully exit out. That's manful, ok, When is there a lease on the property with the winter he asked for? When is it up. In search of timber property management LISA that up King Anko. The property manager know that you're not going to renew, and if they,

to work for you month to month of August, they can jump to them, but you can collect rent from you click July and August ran on your own right, yeah, ok, so let them go and with the proper manner. No now the other thing what are you on the home. Do I owe bout. Ninety two thousand on the minutes worth a hundred and five, and then the other thing I would do is in a couple months. I would start contacting endorse local providers in that area and have some of Come review the property most the time your. Lease gives you the right to inspect the property ever so often once a month or with modern notice or whatever, and so, while you're going to have your new real estate agent, that's going to list the property inspect the property. Meaning that it be meaning, then to go? Look at it and try to figure out ok,

Luck in June they need and start having up. And for putting it on the market. When the tenet moves out in August You can actually put on the market a month early, if which, indeed, condition trying to sell it with a tenant in it, knowing to be moving in August. She put on the market in June or July. You just can't you just can't give the new buyer possession until the tenant moves outright The last thing you could do is the tenant might be willing to move you gave them a little money. I have done this in addition, what we just described as the minimum, you can do what we just described without a doubt, that's easy! Ok, Now, if you want to get a little bit more aggressive, which I don't know that you need to, but if you want to, you can I have on rental properties in the past years passed when I want to sell them, I would just go.

Down with a tenant in your case should be a phone call with the tenant. I almost all the property in August, if you'd, like make a little money. Between now and August, I'd like to pay you to do two things: three things, one keep the property really really clean to keep it. The accessible, so people can come. Look at it and the third thing is being, To you and I to work out a deal where I write you a check if it sells to move early and break the lease and so like, what's the rant on the property eight hundred show it might you don't need to do this, but if you wanted to get more gradually, it would sound like hey I'll I'll drop ran to seven fifty four. Fifty bucks, you keep it clean and accessible to buyers and Great I'll give you a thousand dollars to move early and I'll. Give you least one month's notice to move ok and they could. Then you can bring

that breaks the lease and they can stay in pay. You stay there. Thirty days notice until you sell it Now, that's if you really were pushing hard to sell it, ok, that's the one! pull that all off. However,. Ah, you know you're, not you don't have to do any of that. You can just take the money and put on the market, not close it and put on the market in June, Tell the real stage, and obviously we can't, possession. Until lieutenant is gone. Will it whatever? It is. First of all wish to abolish whatever that is, and you can just work that part out so that you know that make sure that we do not pay the tenant dumping, but you can work with a tenant. If, if I doubt want to do any of that? They just say no worse day until August and we don't want to discount, and now we want except money for breaking the least. Then you can't make them do it then you'd have to wait, but

items, tenants like the extra money because they know they gotta move anyway, and so this is not a bad deal for them at all. Hope that helps Stephen is weathers. Stephen is in Indiana High Stephen. How are you I'm great, they were you better than I deserve. What's up a car that I'm upside down in and now you ve made your repair, So a house! My question is: do I just pay off take the cyber attacks and learn from a mistake. Ok, the house you're selling, is your home no I've moved already and also the house with mercury and so I o five grand on the car Elizabeth without an hour repair and You say about the differences that answer it. I really hate to take the scrap? All I could also cheap is or something I could do with car. Well,

just say the car was paid for for a minute They spent four thousand dollars on a five thousand our car right. What's wrong with it. The design the radiator came apart, its own a car And then the current got into the transmission, so we need both of those at about four grand but that line body. The rebuilt or knew I'd put a use transmission from a solid yard in it. Ok, then I'll grab a rebuilt radiator instead of a new We still do not know is still worth there because the way you are giving you what you call on you but more than the cart worth yeah, you don't want to spend more on the car. Then it then- which plush the repair, average plush, plus the repair equals more than the value of the car. After your done, you spent too much on it, which would be the case here. Ok She ran on their cars away.

Yeah, I'm not like you can get the costs down to. Who grand in the cars worth a thousand the way it is, then, if you would spend who grand on it to make it worth more than a thousand instead is gonna, be worth five thousand. That's ok turn on the two grand and I would fix the car by it off and then, of course, out of pay it off in its pay them pairs when I'm proud to say right, Did the masses worked out that way, it's a lavish four thousand salad for salvage and pay it off. Ok, if Martha if they repair can get down to two thousand fix it and sell it fix it and drive it whatever you want to do and pay it off. Gotcha that make sense. A lot is at stake through today. Thank you, Sir pressure to joining us open, found a triple eight eight to five five, two to five. One of the benefits is probably the only benefit other than its paid. Forty, nine of car payments of driving a piece of crap car.

Poverty is its kind other car disposable. If it breaks it, has taken over the junk yard, sell it for Some are fifty thousand bucks right, EL, the Jordan. We call them junkyards anymore, politically incorrect, but either way whatever you call a result. Been zone which Columbine Junkyard Warwick Almoner kid right, And so yeah you're driving the two thousand our car and it needs a two thousand A pair you don't fix this car. You just go salad. You go get through that more cars, the only benefit of driver. Hopefully now we don't drop hoop he's very long drive like no one else. So later we can drive, Let no one else

point of this puts us our that IRAN's you, showing the bugs thanks to James trials, are producer, kill it anywhere social producer and funds greener. I am Day Ramsay your host when we back before you know it in the meantime, remember, there's ultimately only one white of an actual peace and that's the one daily with the prince of peace, Rice Jesus. This is Genes Giles producer of the day Randy. You can now listen to the day, really show on Spotify, Andorra or anywhere. You listen for all the ways to watch and check out our showpiece Dave, Ramsay, Slash 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 all 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, you can call me 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 we'll help you create a plan to make your dream job a reality. You matter and you have what it takes, join the conversation on the can com and show here more from the Ramsay network, including the current com and shove. Where ever you listened about gas hates J.

Producer of the day. Ramsay show this but so does over but check the episode notes for links to products and services you ve heard about during this episode