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from the wonders of Ramsay Solutions, Ramsay Shove, we'd, better Niger, staying in the pay of mortgage has taken a blaze of the Bmw. A symbol of this is the ram regime. We help people build well the work that they love, really amazing relationships. Backdrop: the lonely, Ramsay Personality Postal, bleed, Doktor, John Bologna, show and author of the number one best selling book own your past change. Your future is Miko host. Today,

you for joining us a triple light. Eight to five five, two to five Josh where those Josh's and Charlotte North Carolina age How are you- hey John! How are you guys doing better than we deserve? Sir? What's up so I don't know what your answer is: gonna be days long time was I want to do. Well. I don't want to. I just got a verification. We ve talked about with the current state of the stock market. we're both industry leading we're we're Dupree reinvesting fifty percent at our retirement uh we've talked about potentially holding a retirement in wanting to pay off our house, but about what your household I want to see how we make about one twenty, ok and what about my phone? Your home about suddenly size,

do I know I know Dave you day, wicked pause, other thing and and the retirement and keep it going to happen, They'll fave, we You said in your pay. It obvious that you should you paid off in three years, the argument in about three years three years, a fifth percent of your income is only forty five thousand whores the rest of it. Coming from. sorry, I'm not sure of fallen. Let yourself! Seventeen thousand dollars is fifteen percent of a hundred and twenty seven In times three forty five, forty six thousand dollar forty thousand dollars so that's not only out of dollars. So you ve already are paying extra your mortgage. Yeah, already putting extra on mortgage european about ten thousand dollars. Fifteen thousand dollars extra on your mortgage. Now? Yes, yes, okay!

and you said fifteen plus person? Why, plus just to check all about Iraq's Romani, on their gotcha view, backed down to actually fifteen We would increase it. A little bit right, a little yes hooker and so the differences. If we do this is three years or if we only put twice thousand dollars towards it. It's five years there were about. so I have a three year or a five year equation. So the indifferent The discussion is two years difference. Yeah. The stock markets on sale right now. The last thing I want to quit putting money into it, you're going And in a mask and Georgia, Mascot Davis question, I'm here now

if you've got might have put in now's the time yeah, because all the stocks are. I don't try to time the market exactly, but I I it is always exciting to me when the market drops right because taken my money out. but more in and out in a bargain, etc. It's on sale in our work. The blue light would come on a K Mart than they would have a say. A blue lot say on the blurs. The blue light shone on the stock market right now, and so that's nice. Kmart, there's no blue lights anymore. I know I know. Ok, don't send me more dead gum, tweets about being a boomer I've gotten with you, but the I get it I get it. But the point is: is on sale whatever? Whatever it is? You want to flash sale on Amazon. I want to really worry, as you might compare it to Ramsay ten dollar sale. I dunno whatever it is, but yeah I you're right. Josh, you didn't know what I was going to say gonna powder retirement for two years, of game? because the other thing that we haven't used in this equation, as we have not added in this all the wonderful financial things that are gonna happen to you in addition to your hundred point out large with income during this.

Five years that turn the five years into four or three a bonus, an unexpected small inheritance, a a windfall here or there of some kind by the way. You're incomes, probably gonna, go up during the five years aside hustle and we ve not. not done any of that were not met, any of that here and all of that is going turn the five years into four into three. My Dixon. Is that if you keep putting no more than fifteen percent, not blush, and you look at your budget and you D. The gazelle intense, I'm not suggesting you cut out a bunch of other things if you keep doing what you're doing adult, but here that used to be there just take a few tackle fluff office. not naughty hard cuts, just tightened up pay attention, make sure you don't owe written budget contribution that people get sloppy here, through seven, the collar relax on the budget level. Little actually be doing the budget every single month and do be enjoying your intentional you're, not intense, but

My prediction is still between three and four years. Your house is going to be paid for that's what I think's going to happen, because I There are some things coming your way, because the ear Where does follow that God bless as people who are being trustworthy, stewards, Digital, so can you go quick primer. I hear the I hear that its on sale, what is actually mean? Well Ok, the that the market is down in the last five years. We pull up the charge today. The markets now five point: eight two percent in twelve months. Ok, so I say, goes down ten percent. and, if you put in one hundred thousand dollars- and it goes back up to where it just to where it was on it's way north and when it goes back up to where it was on it's way north. Then you will have made

an extra ten or twenty thousand bucks. So if I'm buying, if I been I am in this, is simple for an attorney to smooth it out for me. If I've been buying Apple's stock at a dollar and it goes down ten percent. You can buy, bought for nine, I'm buying it for ninety cents now and in when it goes back to a dollar a dollar five. The same stock. Just like an area you would a pay dollar you gotta go to jail for ninety and you'd have been happy. A dollar. that's true for good mutual. Finding other same had been happy at Thirty! Six thousand! Now I'm happier thirty for them thirty one thousand thirty, two thousand dial to jump in and because I'm not getting out right, I'm writing it long term, but not getting out. I'm continuing to put money in the slot machine, not that's about it, I'm getting to put money in your your your trunk. The drama quarters, shout Warren Buffett,

and a bunch of other people had things to say when the market dove in two thousand and eight and it went from thirteen thousand and went half down to sixty three hundred fifty per cent drop yeah and they sue or Mister Buffett. You've lost you ve lost ass, much money on birth, Berkshire, Hathaway Stock. You know you ve lost when it was a. Half a billion dollars, and he said I was dreaming the only thing, so I think if I saw it, I blocked in the losses, but right now the value is down, but I'm sorry If you own a house in the house who have done a value in wars, the house until you shall it. If you wait, don't come back up then you'd enlargement on the house and in what's going on the stock market, so hey that works in reverse I've had I've got buddies. Who are like man? I made a million dollars on the house and my thought is you made anything yet Joliet a threat? Yet you have made any money, so Siddle start spending that money that you think you've made you haven't made anything necessary. Your equity has increase, your net worth has increased, but you haven't made any of that.

They turned into real money and then you might have some money I made a lot of money on Bitcoin then lost a lot of money on, but you didn't really do either one you watched it go up and down heads right: this is the Ramsey show,

Well, it's one of those times of the year here, Ramsay were giving away up to three thousand dollar during our rams cash give away and were disco, our best selling books for only ten dollars to only ten dollars. It's a sixty seven percent discount, and why do this, because we want to make it as easy as possible for you to crush your gulls. Ok, John, The last thing you bought for ten bucks. Mean Blake Thomson and PETE Young one ought to accommodate the other night. I got up like a hot dog kind of thing and it was so basically, I bought indigestion for tonight. As one of you

you think of a thing. I know that you can buy, not amend an item now what item and when you get a cup of coffee fronted in Bulgaria for ten bucks, but I can't think of a an item. Hardly that I mean Packer GO media, but that that you know that again, that's something you ingest, I guess, but I don't know what I'd Dubai today, I'm trying to think of things I bought last few months, like a pair of pants and a pair of shoes and bullets, and some each were less. Nothing is ten bucks in each single bullet is less than ten dollar a not much early yards its. You give him a man. Doesn't it much anymore, but you get a lot here, wait: you can go the movies fifteen dollars, you can get a pizza, maybe you could get about. two and a half gallons of gas that drive around the block. and your? U can get total money make over four ten dollars and learn how to handle a lot more than ten bucks or you could questions for humans.

Persuasion, cards and spend hours of laughing and having real conversations with your kid, your spouse, your friends by Doktor John Bologna, only ten bucks, your car be the total money. Make ten bucks good to soviet. Thousands of dollars could push on the path to be in a meal, check out the rams you ten dollar sale, dont forget to enter the Ramsay Cash, give away Joseph is in Dallas high Joseph welcome to the Ramsay Show I gave an John. I really appreciate all the great work of Oakdale banks are coming up So um, yes, I am currently on the baby step. Three be meaningless, saving for a house on. I am looking to relocate, though from Dallas. Ah it's not that they're not treating me well that I'd like to relocate to another state, namely Cleveland Ohio, to be closer to family, that I have the air I'm in. into real okay, now for about a year a little over a year and before I'm not getting getting any traction on Monday

making any progress. I ve started reaching out to allow people there in my field I applied to companies and on this not giving anything back on some start to feel discouraged by it. and I just wanted to call you you're both for some guidance, encourage made up your plan so that I don't just pick up and move because we always know that if you don't have something solid lined up, if you know that they're, not smart, move. Now, what's your what's your field I managed teams. Lee change on political campaigns are actually really enjoy. My I enjoy the work that I do so you you're, you're jobs are usually let they move from cattle Two candidate, I assume Rakkeed around the based upon the candidate or the based upon our thief. and association, usually is eventually. You know somebody around that gives you the next gig and

Rick as usual. I know any body in that you don't state level races or local radio. Most mostly might my races had taken the all over actually exists. It is unfortunate that I have not been able to really connect with. I try to connect with people in the Ohio area I've gotten conversations, but no call back, but you don't snivel stuff correct the imo. It's mostly correct. It's mostly fur congressional, can't you sometimes Senate people, sometimes congressional people Firstly, it is mostly been what in the tax area correct. I say: U S, Senate? U S! Congress, not taxes, though those those those two like yeah, right now I manage all right now: I'm local congressional race, and sometimes Albion spur like say: I'm mayors race saw or just if it did, I ve up in your here's. My thoughts on this in a minute use your particular bomb situation to extrapolate a larger issued, I'm here and over and over and over

a teacher and I live in town, in the houses and ex town have tripled in value. buy a house I want to be by my family, and I do this particular career, and I love it, but I do it another state and I want to have what I want to get into this market, and so, feeling his attention between three things- the lie, I want to live this picture. I have of my life. In your case. I wanna make acts by my family, the second in its geography and the third tension is income it. So I'm just going to roll back to. When I was a high school teacher, I was a basketball coach and a attractive dude. I loved that job. It was and it was the street from where I grew up, which wasn't great and they Did me a work sheet that said in forty two years: here's what your income will be, and I still act, I don't want to do that. Life

right so one of the variables had to shift so ended up transition out of a job, and I loved that I think I would have been good at because of one of those variables and so for me, if you're saying I been trying for a year trying to get into this thing, you can control. you to try to make contacts but the question Ask yourself, is you said you want me I have to tell you something, so you don't pack up and move, that's not how life works. You just have to decide to be a grown up and not do something dumb right, doesn't work. It I'll. Tell you not decent dumb what what you say is how badly do you want to be by family? Is it enough to do a different career, or job for a while. If it's not great man, then let yourself off the hook there but you're trying to force around round to square when you may, like on average, between fifty five sixty well, let me ask you this: the bad news is: are they magicians? That's, not an income that ardor oblation other fields right.

so you're probably could land something if you want to move home and be with family in a different field, with the goal of Getting to you know work in your way up from the bottom in the political world and getting back in five years to where you are, but in the higher market. That's a possibility, and calm? Ken can proximity principle with that in mind, but Now, that's a I! I think you could. Probably you know you're. You know how to lead teams and rob product projects, and you can drive campaigns for anything. You know Robert. Can you can deal with a politician leading that you can work for anybody that right yeah? This is harsh urgency no deadline, driven, starve and and your team project manager, and that lot of those actually a lot more than fifty five thousand show, you probably could do that in corporate Amerika. And I'm get a level of enjoyment. Good income be near family, meanwhile nights, again. You know you start in a far more than the content

Can you go work, volunteer, stop and do whatever you got on going to Georgia in the door with and with that group up there and continue to use some of your old contacts to get your foot in the door and so on so yeah. That's. What matters is. What John said trot chain one of the variables In order to make this happen or you to say, you know probably not gonna, build to do it in a way in clean, that I'm gonna be happy with, and so I'm not going to Cleveland. It said fun in your peace among those variables of income and geography and the job, You have read that life you and the others Think heart, which ones are gonna, be good question open. Is a triple eight, eight to five five to two five there's a lot of interesting stuff in history by the way and we're seeing it happen right now again of people doing just what we're talking about and dust bowl during the parties, the Detroit fact,

is opened up for cars, mass production was going and the people that were cart. Cotton. Farmers that were making absolutely nothing and washed by Arkansas gotten a car and went to Detroit I've. I've had thought that. The potato farmer in Ireland. That said, I don't what four weeks away by boat, but it's better than this better than Mr Ivan that I've got an idea. I'm kinda corn, which is the third time in seven year cycles in twenty one years than about appetite of I'm at three in a robot amount to seventeen owing to try something as ensure we end up with you. Imagine the Scotch Scots and Scotch Irish all over Philly they're coming up the before there was a New York City, their land in there in the seventeen hundreds and filled up this place, and that's a diaspora we're saying it now, driven by politics. We saw it after Katrina. We kitchen,

from all over the media, man he's too because they laughed we guy left on Orleans, never to return after Katrina, they're leaving California, because or whatever to return. There live in New York right now, never to return, covert, draconian mandates and praise you politics in their out of their doktor. John Bologna. Ramsay personality is my Carlos today, thanks wearing it out with America in the lobby of Ramsay solutions, which you are more than welcome to visit any time we have a visitors centre

given day, we have fifty to two hundred folks watching the show live we broadly live every day from one to four worse central time. visitors centre with free cookies and all their good and, of course, great coffee. Everything's on us. We want you, come by hang out, see the history of this place and plug ban on, but dad free stage Nick and arose or whether spake eyes. Oh, are you welcome come on you guys live Plain Minnesota. Ok, which is New Year Minneapolis Direct, ok, go welcome to Nashville, how much data have you paid off hundred and eighty thousand seven hundred although you aren't messing around one hundred and eighty thousand eighty eight one hundred and eighty eight seven hundred hours, alright cool, and how long did this? Take you? Fifty months, good and your range of income. During that time Hunter and eighty thousand two hundred and twenty two thousand good for you. What do you do for a living? I'm a master electrician way trade. I do.

Sensation and thorough work. Ah, very good, I'm a police officer! for you, awesomeness. Well will thank you guys very good. Proud of you, that's a lot of debt. In fifty months, I'm guessing I pay off your house the out we got to software to smile just a little hard idea. What's this house worth colony says it's a four hundred and eighty thousand dollars. What do you think is really worth college? Not right died I don't know it's worth over five hundred easy and how much you guys got in your return events, someone a thousand can it millionaires, one replacement and the other ones are Master Electrician, the dozen instrumentation. How old are you two? Forty three, almost four,

two and your millionaires baby steps millionaires, I'm so proud of y'all, it's everywhere baby, it's everywhere! I love it. When you go, you guys tell us story what happened five years ago. They got this whole thing go on. While I was a few years back I was driving home from my cousins highest risk than wiring has gradually Zander this radio shied, and no one, it really was and then bought a year later, my bodies, I k, check out this guy, so he puts you Like that's a guy. I heard coming back from my cousins Allison, Sarah listen. Do you think I listen dear for about two years before we finally started up and the Emily doctor, the wife and I think you are a swear word in the house for it all day but die. She quickly came on board and I

it calculated it all out and MIKE okay, we can get our consumer debt, so he had two car loans can get. paid off near innocent. Take the house five years, is a six year plan and we end up doing fifty one just over four years now, and it is is weird clause we're doing the plan. and finding extra extra money, you know. What's? U omen intentional, it's amazing on how you fine, where other from my arises is weird. A certain rose. What your partner story, how D Ye warrior for a little while sounds like I always just felt like we were pretty tension all other money to begin with neither one of us wherever people who just randomly win, bought things that we didn't need was always just if we needed it. Rarely anything that we didn't so it felt like we were really.

making any changes button. I guess now. Looking back like, I M excited to be able to get new kitchen cabin things like that, but another year there are just the first big purchase now got one some reality that new something to celebrate a meteor millionaires in your debt, free out of president failed and that of a payment in the world are some what Our people, the key to getting out of that is I would say, just stay: track budget that makes a big difference, no one where your money, yours then just yet, these services want, taken with it? You got you're too pretty matter of fact, people I mean there's just no bs and I I got asses yoga, working on this for fifty minds being Officer Minneapolis, alas, for years Minneapolis has been hell, you're,

world came to a screeching halt twenty four months ago been electric. when they said you can't work in y'all kept ploughing through this house, will do that cause y'all would have had to lean on each other in a way that is uncharacteristic. For most most of us wouldn't have been able to kid. We would have said pause because the world's on fire, literally y'all, kept going how'd. You do that just one foot in from other on work, my eyes, gear, the industry that I'm men in all we have keep showing up every day or so and then just in support for her cause? It was a difficult time. Yet we all. Do you remind me of lick? Woebegone characters like just gonna get up and just go. One step up will hunt them after the other man spent in yellow midwestern find a wonderful man. Loaded stuff goods are able to do so. Did you tell the people who are your two biggest sure later a body like the one that

I you turn it on yeah. I love it and then a guy Jim. I got him listening Sean with some conversations in August, the kind of difficult to talk to people finances and the near planned goes its. Abnormal re wearing your winning too, and they didn t want to talk with her children worthy over here our neighbours Nokia go They ve been hearing about you guys for quite a few. Ok. yeah so, came to the trips and I shoulda tag along ensure yonder day? Yeah very good will concur. relations, you guys think very, very, very proud of you very cool consents what I can sense. Why you did this your steadiness you're, just very predictable, very steady, and you know you don't quit and against If you just bear down, keep goin on You were doing in your careers as what you did to the pandemic, the rather stuff you been through as a police officer everything

ocean. I congratulations are very strong people. The farmers to go. Have some fun yeah, yes, girl! That's why we're here we just got here this morning. Snowing up the rest of the couple of days enjoy Nashville. There's plenty here to enjoy that's awesomeness and hit downtown Franklin right up the road. It's a lot of fun, so we got to Happy baby steps millionaires for you, because you should have been there. Your book next traps in the story. It is the chapter in your story. We are also going to give you a a one year subscription to Ramsay Plus, which gets you into every dollar and a financial piece. You probably I have been through it or may want to go through it again, or maybe you want to give that to somebody. Maybe you know somebody just getting started on this same thing with the total money, may government give you all of that to say: concur. Adulation, were so very proud of you Mick and rose Minneapolis Minnesota, one hundred and eighty nine thousand dollars paid off their by steps millionaires in their early forties. Megan did then fifty months Megan one eighty to one twenty two and there was a

and Dimmick out and a few other things going on up there, counting down my share of debt free scream. Three three two one word pray the that is fun That is great stuff. very very well done. It's me when one Dave, but one front the other and keep man I just got? I have to do here and she's on our time. I guess I'll be there, for it will be. Therefore, I'm going to keep moving forward. We made a goal and we're going to make it happen, he's not working but mild or something else I'll work, something else and it'll be okay and it just kind of they're gonna keep working on, and this is no drama. There's no drama the drama is not allowed. You know, we've got to get the tortoise, doesn't have drama. This is going to shock, you did, but I'm the exact opposite yeah.

I food too. That's why we end up teaching this stuff, because God wants to keep us both on track and we're married to stable people. Well, that's true! That's true and that's helpful as well, have succeeded good news. There I mean I mean they went through a lot of really hard Stasi, laugh

at least very tough, tough tough season and still paid off their stinking house. Man! That's right! It still became millionaires, they're curve, busters man. They are they take people's excuses away. You know what I mean folks like that grunt is like you know, and then there's Nick and rose this is the Ramsey show the Matthew, seven eleven, as our scripture of the day? If you, then, though, you are evil know how to give good gifts to your children. How much more will your father in Heaven give good gifts,

to those who ask him charity said: should our Thomas Fuller said charity should begin at home, but should stay there Our seas, Weathers Costa Rica higher see, what's up great day? Are you better than I deserve? How can we help the true honor to be on the phone with you, and I also want to know John. You are a great value. Add to the program, love listening to you. Thank you so much. How can we help so? my question is how do you deal with the emotion of yours As for now use me crazy fluctuation towards Eu Star Pocket these days now I'm an everyday millionaire, he probably twenty years of hard work. eleven million dollars and the next day at levels or back now

but now you watch over the course of former good eating. A million dollars eradicate out of Europe about almost overnight and well. How did you lose you got twenty million dollars and investments six million it's down mark download six percent in a twelve month. Period of time Let us down a chamber said during our first knowledge. Not it's no more than two percent and a twelve month period of time. It wasn't back up that for show what not is down eighteen percent, though, see thirty, two thirty one They are. Probably fifteen. Ok but that's, not a stolen. A million on six may innocent

now. You should, of course, not does that yeah yeah you're, pretty close? Ok, I'm a location. The bottom line is, though, I had no idea where that I didn't even know it until I looked it up a minute ago. So track it day by day by day, because using this money day by day by day and with the money that fact You are in the market and have been in the market for years. You have written these waves before what, about the time when there's a gun, you shall troubled, I think, what happened here. RO, your wealth, the man, It's become a bit more astronomical and start thinking back to where you started the do you realize, though, that you pick the highest point in twelve months to compared to the lowest point in twelve months. Now. I understand your emotions them on your motions back the worst part. simple scenario in any anyway.

in the entire twelve months, much less anywhere in the put on in years. non, certainly not already. What are you about that here? The anchoring bias swore you attach to the best I the neighbouring my. I understand that nature to anchor what I don't locate, what How can I deal with an emotionally not number? I'm always looking forward from it and are not concerned about thirty one thousand. How many more than I was concerned about thirty six thousand bow. I e ten percent shift since January, the fourth to be the high date, I'm sure they're pulling up while we're talking about it, but I never looked before today until you called because I thought your, I thought your numbers were yes but they're not shook up, but because most of time people exaggerate their numbers when they're going down because they are in freak out my there's a psychological study. Done years ago the says you have to recoup three dollars for every dollar lost to feel. Even

large losses way over yonder overstate the losses, get more credit for losses in your emotions than you do in your increases. So I'm always just lookin out. I'm going ok howled our harshly. fifty four almost took action. I'm sixty one, I don't have as long as you got probably and I'm not what about it, because I'm lookin out twenty years ten years I mean Six may inertia in the market. It's gonna go up a lot during the next twenty ten years and you really pointed out today, look I'm not I'm not bailing out on, Can I ask him a rescue you or a a arcy? Are you Is there a chance, you're gonna get out. the youth, you need your manager, they wow they won't. Let me do that. I've got a strong norquay, just the emotional interest, the emotion of the click on the on the website, and you go. Oh my god, yeah okay. So let me let me say this yeah that if I know that I'm

going to take action, be then not going to spend the emotional energy on consuming actionable data. On that variable suit of saying If I were going to jump out of the market unless my Nigel Visor conferences, hey this is World war, three get out now! If that a short of that and I note, was down fifteen percent cause? I don't look because I'm never get now what I've put in their pursuit of same so the emotional energy I dont, even I don't even put that those doors on the table because I'm never go, spend emotions. And it is the thing Arcy. It's a great questions about the way our question I apologize for calling you never be asked cause. It really wasn't the morn looking at plainly or sitting here. Catching Well, I don't look but the but with the data, you're using your numbers are accurate, but I dont

get it and it's the same thing we're talking about earlier segment, Warren Buffett when the market dropped and in two thousand Without too that seven eight, it went from thirteen thousand to sixty five, stop it percentage of MR about it. You know Berkshire halfway, you loved Edna, billions of dollars. Nigger, I lost ailing, told anything, goes shall answer it in our show. You anything you in Lhasa. Thank you launched the perception of Yahoo worthy. The value of and you know the only reason that you would be freaked out about this if you felt like it, was a trend that was going to continue. I don't I don't know I mean I go down for two we may be in a recession. Biden may screw up everything for awhile and then will come along somebody else and they'll have their own version of screwing it up, and so you know it's just a prospered under every president and every party, Bite of all of them is the way I look at it.

You've had down seasons probably across every president. It now- and you know I went broke during Ronald Reagan. There you go, I mean you know and and I'm a Reagan fan some of the stuff he did was nasty bad for the world. I was young mary- is whether Jacksonville Florida high Mary welcome the RAM show Pinky day. Thank you for taking. Oh sure, I'm a little short on time go straight to your question. Please What do you do when your husband you don't support co, signing a loan for your twenty year old son? He just moved back in with you, and then you find out after the fact when you asked with the status that he went ahead and signed the loan signed along with her So what do you do when your husband deceives you on something? That means a lot easier fuss about it tat way This is called financial infidelity He violated your tried. Yeah, I'm sorry and he says, is correct.

But what you can do it because my son and I have always, but it's better Mary. Has he done this before and other things? Yes, yes, returned. Yes, these things rarely happen in a vacuum and so you're bringing all of that history back to this moment and it's fair to do right because he violated your trust again. I'm so sorry that I dunno what it is, I don't know I don't like it already. I him. I said it's, this extremely dangerous and I dont supported. Moreover, it doesn't even of a erect job, you does door, it doesn't matter. What is your son is not in the equation not about math. Is your husband lying to you? it feels like he had an affair. It aggravates the exact same place in your emotions, yet the others, treat it like you, ve had an affair

and that means you need to go, see a marriage counselor and he needs to go to because this is this is activating exactly the same level of trust. We should all the time- and I gotta tell you here- no idea, because he's blind as a bat much damage he's doing does thinks this is innocent and he just over road. You, because you were emotional and more using the judgment and he disagree with your decision, but

That was used in his mind to justify his affair, and it feels the same way, I'm so sorry, honey. I know this hurts hear me and Dave say the hurt you feel is real and valid social. You should be hurt and you should be angry and you need to go see a marriage, counselor, and so does she desperately. This is not going to end well, if you guys don't work through this, that puts us our the Rams show in the books will be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace and that's to walk daily with the prince of peace host of the Ramsay show. Did you know over eighteen million people listen to the Ramsay show every week a lot of those people listen on one of our six hundred plus radio stations across the country. To find a station near, you could arrange the solutions, dot, com, slash, show the you enjoy this podcast. You should check out other great podcasts from the Ramsay network, like Ramsey calls the day check out our new Ramsay call of the day. Podcast it'll give you a quick hit of advice about life and money in under ten minutes. Listen to the Ramsay call of the day,