Live from the headquarters of Ramsey Solution broadcasting from a dollar car rental studios. It's the Dave Ramsey Show that is at all home mortgage has taken the place of the B M w as the status symbol of choice. I'm Dave Ramsey host. Thank you for joining us, open phones at triple eight, eight, two, five, five, two, two five, that's triple eight, eight, two, five five, We have two two five star. This hour is Amber in Nebraska. How are you

I'm good. How are you better than I deserve? What's up? Ok, so I just found your podcast last month and I have been bingeing it like crazy and one of the episodes you were talking to somebody and you ask them about their tax return and not if they're getting a tax return, giving the government too much money right. Is there a magic formula or some way, to figure out how many you can claim on your w four? So you get the smallest tax return back, there's a formula, but it's not based on the number of dependents, because the IRS tables are wrong, of course. Okay, so that you, you know you can climb, but this is my daughter. When she first got out of college claimed six dependents. She didn't even have one right still got a refund. Okay still have enough coming out. So that's how bad the tables are not minorly off they suck so the way

Do it is one of two ways. The the most accurate way is to actually do a fake tax return for the year. Actually preparing your tax return. And let it tell you exactly what you would owe in taxes, your total tax bill and then that by the number of months and that's what needs to come out of your check per month, and so, if your actual tax bill, is the eight hundred dollars and four hundred dollars a month needs to come out right, okay, and so that that's the perfect way to do it now, If you last year got a refund and nothing major has changed this year. You didn't A big raise. You didn't get big bonuses, you didn't buy a house, you didn't have a kid anything like that. Nothing major changes just on the life is almost exactly the same. Then you could just take your refund.

Divided by twelve and go in to your payroll team and say hey, I want to lower my I mean I want to lower my withholding by that much so you got three thousand dollars refund. That's too Fifty dollars a month guys, I need to home two hundred fifty dollars more and his is. Nothing has changed from last year in the tax law this year to last year's hasn't changed dramatically. That would be very accurate, you'll end up, basically getting no refund, you might end up fifty dollars off one way or the other, or something like that. But if something's changed, you know the you, that's an inaccurate. What because you might be whole withholding enough. Are the right now I don't know so. The point is what they get out of your check should equal your tax bill at the end of the year. An if, took too much out of your check. You get a refund if you didn't take enough out of your check. Your short, if you come up your to penalize you for not having enough withheld, and so you can't do sometimes

Google, crazy and got nothing withheld. Well that won't If you owe any taxes, because you get penalized, then show you've got up, you know you got to work at him, but the the most accurate way is just actually sit down with your tax pro or, if you're doing it yourself, assault, or whatever, and just run it out as if you were doing a tax return right now, and then that will tell you the tax bill is divided into a monthly amount withheld from your check, and of course you know, if you get paid every two weeks then you're going to divided by twenty six. So you know how many checks you got to magic months a year. We get three checks, so you've got a different equation, but still what needs to be withheld from your check and then just walk into payroll and tell him this am and if they need a back end to the number of dependants for you to check that box to create that amount. That's fine, but the number of dependants isn't actually your number of dependants that creates this formula but cause it's well. The tables are just wrong.

Sue is where this sue is in Pennsylvania, hi sue. How are you I have well, thanks to you, Mister Mister Ramsey, to talk to you. How can I help? Well, I have a question for you. My husband works for a company that was bought out by another company and he had about twenty three years and, and he had a four, oh one k and a pension plan in his retirement package. The four oh one k has since been rolled over into a new four. Oh one, K. Okay Henshin, however, had stayed with the company until very recently, and they are now buying out all the pension okay and were looking to get back up out of the pension about two hundred twenty thousand dollars.

Three hundred and two thousand two hundred and two hundred and twenty ok, alright good product. And how old is he my husband, he's fifty six? Ok, he needs to roll it to an IRA right. Well, that's the question: should we all the whole amount. Yes, you are right for he was thinking about taking about sixty five thousand and paying off our home and taking the rest and putting it into a new Iraq. Now it'll be penalized because he's not fifty nine okay, because there is a there's, a a qualification that says that if he was separated from his company, they can pay it out. But you can't take it without penalty. Okay, even even though he's over fifty five and he was separated from the company, is over fifty five. If the pension dictates that you might double check of

tax adviser, not HR's, template and not Dave Ramsey's tax advice. Okay. So let's get a tax professional opinion on that, because if you start pull money out of this, it's going to it could cost you serious money, the safe thing to do roll, A2 and RA. How much do you owe on your home? Fifty two thousand. She want to pull enough out to do that.

At at it, at a minimum will be taxed. To the only question is whether it's penalized yes and the from what I understand it won't be penalized. Okay, yeah! I know I want you to double check. What you understand, because I understand different- and I don't know which one of us is right show on they may be if the actual pension dictates our fifty five, that that the feds may give you a break on that. I don't know you need to see a real tax professional someone like check when a trickle of arial piece for taxes and sit down with them and get that I'm not taking the hr departments guidelines on this, because there's a lot of hr people that have information that they they wanted to be right, but they Start and so check it check it check it check it 'cause. I don't want you to get hit for five or ten thousand dollars for the penalties 'cause. We did this wrong, but if there is no penalty and taxes only like you suspected

It might be right, then. Yes, I would take enough out to pay off my house. I would because I said you've got plenty of money in other stuff you're in really good shape. You guys, good job, so very, very well done hey thanks for the call open phones at eight million, eight hundred and eighty eight thousand two hundred and fifty five twenty five Jesse's on Twitter Dave, every time you recommend less than one thousand dollars as your baby step, one starter emergency fund. Yes, if Sheldon comes under twenty thousand I'd, make it five hundred then, as your starter, emergency fund and, for instance, were teaching students we always tell them to use a five hundred dollars, maybe step one. In fact, we used only used five hundred emergency fund for high school student, 'cause, mom and dad here, feeding them and giving him the shelter and so forth. Hypothetically this is the Dave. Ramsey show

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Thank you for joining us America. We're glad you're here, open phones, a eight billion eight hundred and eighty eight million two hundred and fifty five thousand two hundred and twenty five Johnson California, high Jan? How are you hide a bunch, so did the talk with you today, you too what's up poop, and so I had a question about whether you think who sells insurance long term care. So I don't miss me too, for about the past year and has made some cheese in my retirement, I will tell you that my husband and I have already purchased the long term care policy it's expired sewing though I went too early. My husband is sixty premiums are due next month and I'm thinking about maybe canceling mine, well, the chances test eccle of using a long term care insurance policy before age, sixty r substantially less than one half of one percent and that's

we recommend sixty and beyond on the purchase of it. It just doesn't happen in other words, and so then as far as self, insuring through long term care. That would just have to be with your wealth and how much. You be willing to burn in and how much Ernest still be safe in nursing, home care and so what is your? What is your net worth or your nest? Egg size? Okay, so our network, probably about four million dollars. Ok, but more invested in. Have an overnight in in my 401K, my husband. Two hundred and fifty in a Roth IRA. We had about four hundred and in just investment we will both have a pension. He can't get his until he's sixty,

ok, here's the here's, your here's, your numbers, the average, the average household that uses long term care, which is most people by the way end up with some, level of in home care or nursing home care, one of the two it last troops four years on average, less than one north go longer than that, so you have a one, Chancer going longer than two point four years: the number of people that use it. Five years or more, is almost zero google usually once you need the care your health is in decline, is what amounts to and so that that's what it comes to. So if and you know the national average is fifty to seventy five thousand a year for a nursing home care, urine one you might be higher than that, where you are, you have to look and see, but play with some numbers. Let's take the high side. One hundred thousand the average is two point:

hardly anybody goes five years. But if you went five year maybe five hundred thousand out of your four million. Your husband is still be ok. Ok, answer your self insuring for five hundred thousand dollars event with a four million dollar mistake or for me, at work and in reverse, I'm too. But if each if you, if each of you exceeded the averages by double went through a million of the four million. Your state is still three million dollars. Well so, yeah you're in a position to self insure as long as you're willing to play those odds right right. Okay,. Thank you. I really appreciate your help. Does it do you see the math I'm doing? Well, I I totally do, it's just. I have a mother look like not just wisp, but yelling in my other ear that I need long term care insurance, which is why I got it. Well, you do if you don't have a phone. If you don't have a four million dollar net worth you do right

what happens. Let's take a typical family has a five hundred thousand dollars nest, which pretty good nest egg for most people right, Seventy five percent of the ladies outlive their husbands and so the normal scenario with that family is It goes into the nursing home burns three hundred grand leaves two hundred ground when he dies and That's not that's, not a scenario you want to do. That's leaving everybody to cheaped out right, so we do need long term care insurance for those people, which is most people mean there's only eleven million millionaires in America, and so you know, that's you and me and a few others you know and so That's it, and so everybody until you get to that level that you can afford to take that three to five hundred thousand dollar hit And the person left behind is still in excellent financial shape. Then you

Definitely want long term care insurance, so the voice yelling in your ear is a great one. It's a it's a big deal. It's a big big problem, so thanks for your call She what we've got is we've got the boomers have we call the sandwich generation now because their parents are needing this. Two hundred thousand dollars care their kids. I'm going to college at fifty to one hundred thousand a year they're getting hit from both sides, both these groups wanting help from them if you got your momma and daddy in a nursing home in your kid in college. Yeah yeah yeah, it's bad! It's bad fast, so you would need long term care insurance or have built a great network like you guys have done. Congratulations by the way, very well done. All Andrew is weather since Georgia, I Andrew, how are you I'm doing wonderful day. Thank you for the thank the opportunity. Is such an honor to talk to you. What's up,

my question is I'm currently going to a four year university with a degree to be a teacher within two to three years, but also contemplating the idea of working at it going to a technical school, leaving the university going to the technical school for sentencing in late in two years, but possibly making close to twice as much than I would as a teacher kind of wondering what would it be better to stick with the key chain or go to the technical School one cut, basically the town. Now? What thank you go to school one hand and possibly make more money all right. I don't choose careers x Shively on money. I choose them on what makes you smile and so how old are you I'm? Currently? Twenty? Ok! Well, let's, Reach into the future and say you're, my age, you're. Sixty you been doing this for thirty years.

Which one do you want to do? I would have to do either one of them I would enjoy teaching people and, as far as like my current job, that I do, I'm teaching people and help people with a call center, but as far as the eye, T side of it, I love to be able to help out people, I'm I'm one of those server people. I want to help anybody in them anyway, that I can whether it's teaching in the classroom or teaching with computer Anything that I can do to help somebody is just is what puts a smile on my However, I can do it, I would love to do you love teenagers, uh yeah. Now I see that you just answered it. Yes, Sir yeah, but you just laugh go to it, Yes, you love that each, but you might not love managing eight year olds and their crazy parents. Yes, sir, absolutely I was a substitute

for short amount of time at the Middle school. I enjoyed the kids but trying to get Listen is on something else. Yeah so you enjoy the process of someone's light bulb to on above their head, but the process? helping with their child development issues. Is not your joy, yes, Sir yeah and a teacher has to has to a teacher in a you know: a grade school or middle school classroom has to have that love. I love teaching. I am- and I like children, one at a time where I can control them, but I cannot stand the idea if you had to put me in classroom eight year old. You might as well just put me out of my misery now, because one of them, I one stupid parents You know, I can't I just I couldn't do it. I couldn't do it. I and I do love. I love kids, but I am. I don't love large groups of them.

You know at the only speaks in high schools. I don't and there's a reason. There's a reason I just don't. I don't want to that's why I don't do it. And so we love teenagers and we love helping the teenagers, and I love having somebody here that will help teenagers, it isn't main so yeah t shirts and have fun, but that's what to do and you may end up teaching in RT two adults. You end up teaching. Software implementation and hardware implementation of the stuff for the on boarding or whatever, if your company, I end up using your teaching skill in the I t setting sounds like that's a better deal. I think we found that the four yeah hold on I'll. Send you a copy of KEN Coleman's book are famous number one best selling career book. It's called the proximity principle. Then it'll help you also continue to analyze these questions This is the Dave Ramsey Show.

Our question today comes from blinds dot com. You can find out why they are the number one online retailer of custom window coverings. You get free samples, free shipping, new promos. All the time always use the promo code. Ramsey love this company blinds dot moms accent, Colorado Dave, I'm a city employee, I'm close to the end of my open enrollment, I'm wondering what's the difference between the wrath and the four hundred and fifty seven in which is a better choice. Four hundred and fifty seven is deferred comp, which means you are deferring not yet receiving choosing to not yet receive your for your compensation. So if I don't, if I

If you work for me and I don't pay you, you don't get taxed on it, you didn't. You chose not to take your pay yet not sitting in an account over here for you and you can get it later. But when you take your pay, you'll get taxed. That's what a four hundred and fifty seven is deferred comp or deferred compensation. The Roth. However, any growth on that is taxable as you take it out later, you put in a Auburn in mutual fund, it'll grow and you're gonna pay taxes on it, like you do for a one k on the whole thing when it comes out the amount you put in and both the Roth IRA grows. Tax free, all of the growth has no taxes. So the answer your question is: do the Roth Christian is an Ohio, hi Christian? How are you Hey Dave, I'm doing well, how are you better deserve. What's up so I'm I'm twenty six years old,

got a father who is about six thousand three hundred and sixty four he's not in the best health he's on disability So my question is final expenses and things like that. What's the best way for me to know about handling all that, so my dog passed away in twenty fifteen and she didn't have life insurance. She didn't have any plans or anything set up or anything like that, and I was the executor at twenty years old. So I had to deal with all that and it was. It was pretty much a nightmare, so I just want to prepare. He does have life insurance yeah, she one thousand, He does yeah who's the beneficiary me my sister and I ok and you and your sister in agreement you're, going to use the money to cover his final expenses before you divvy it up. Well, that My question so does: is there not required to? But if you don't have any other money, that's a good way to do it. Well, no, I mean, does it come in before it does it come in in time

to handle the funeral and all the final expenses at that point, or does it take a while to process usually get usually get within six weeks in a funeral home will accept the fact that the policies on the way. Ok, I'll, do the funeral and you pay him when the money comes. Ok. Well, that was my biggest question. Kids. Are, you know, like I said, I'm I'm fairly young and my wife and I just started the baby steps and I'm wrapping up graduate school down and I don't want to be set back anymore. The way I was in the past now, so I think you would talk to your sister and your father an a handshake family agreement that the money from this policy we're both beneficiaries is going to be we're both agreeing or first pay for the funeral and whatever is left, will split. Ok, okay, now he has other bills, that money does not have to be used for those other bills, because that money not his money. It's your money, correct, okay,

unless he has named the a state, is a state as the beneficiary which I would not do wow He has no assets or anything like okay has anyone built for years any bills if he's got thirty thousand dollars in credit card debt? Your fifty thousand dollar policy that comes to you does not have to be used to cover the But if he has assets, they would cover the and would cover his bills. What you own personally covers what you owe personally when you die but but beneficiary of a life insurance policy is not him. It's you. You see the difference now. I think You're a good show, show it, but here's the thing if your sister just decided she did not want to use this money for his funeral. There's nothing legally binding for her to do that. So I would want to with her that we're green we're going to pay for the funeral and will split the proceeds. The second the second thing, can do if you want an extra level of comfort and since

through bad process with your mom, you might do this year. Go over to the funeral home and go ahead. And select everything now. Even if it's years and years before you actually buy it, don't pay for it. Now, but just go ahead and have everything and dad's in agreement, we stand in there if he wants, I don't care, but you Stir then have a budget you go okay, this is gonna, be eighty six the two dollars turn key on this. Whatever it is, and you can just decide. We don't need the Bentley coffin will the chevy and you know there's vast array of as you found, with your mom of costs that you can get into right right and it's it's better to do that when you're, not in the middle of grief, so pre planning but prepaid a funeral would be very beneficial. Particularly at your situation, where you had a bad experience with your mom's situation and

you and your sister coming into agreement now that you're going to split this cost before you split the fifty thousand, and so that's uh a good thing for everybody to be on the same page now Rather than later on, 'cause grieving their memories. Sometimes don't work well, Alright Kyle's with us in Kentucky hey Kyle. How are you Better than I deserve what's up, I'm twenty one, I'm sorry, I'm looking to stay out of it up sometimes I still have that of course, trying to get my line, I'm supposed to start baby steps, I'm trying to get my do with me and do with me. A budget like I, the whole budget on Google sheets out and looked at past three months on money at that part, but I just need to figure out a way to get her on an I can't get her on without, like you know, just being like I want to you know that another

well problem is the problem is you're being a guy, and let me tell you what guys do me Do we always immediately go to fixing the problem? here's what we gotta do we get on a budget and we got to this and then we gotta sell this and we gotta work extra and now we can go out to eat anymore, and you start talking about what- That's what guys always do? What do we do we're going to fix this? What are we going to? What are we going to do? and while she stand there going no thanks, I don't wanna play. Right, yeah, and so what you should do is apologize to her for doing that, and then say You know what we really should be talking about is why I want to do this and why, as a couple, we should want to win financially are really honey I've been reading this stuff. I've been looking at the stuff on Youtube and I've really come to the conclusion that if we to work together we could become very

healthy, and that would change our family tree for our kids. That would allow us to char with dignity. Allow us to be more generous, allows to travel. Allow us to get out of this dump but car and get a nice one whatever. It is. Okay about her dream is but gave her a million dollars what she would shoot, what she do with it. That sure why that's? Why we're doing and then, if she says okay and then it did to have a million dollars, so I could do x or I could do why or I could do see that sure why you say all right now how we don't get there, we won't get theirs, will get on a budget we'll get out of debt. We're gonna stay out of that we're going to invest, and we're going to work on this together, because all the data points say the couples that work together have a very high. Probability of building wealth and almost no couples that don't work together, become highly unusual for a married, become wealthy when they're not working together, right,

so also like I get that works. I appreciate that a lot also, so she she are you in college next semester grade and there will be going full time great doing what she's doing and Should we merge our bank accounts then, or should we go ahead and do it now? You should do it now you're married, they should be married, they should be the rest of your life and you should merge your goals and your dream. Because you are now one the preacher said when you walk down the aisle he didn't say, and now I pronounce you had joint venture You are now one that's. Why couples that work together? are the ones that are able to build wealth and that's what we to do hold on I'm going to tell Kelly shine. You guys up going to put you in the Financial Peace University the one year, membership to include every dollar that worlds best budgeting app. It's going

the non weight classes coming include everything I'm going to give it all to you get. You started with somebody done that when I was twenty one, this is the Dave. Ramsey show open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five, taxes in New Jersey, welcome to the Dave Ramsey Show MAX thanks for thanks for taking my call Sherman, what's up uh I want to see what you would do, I'm currently in a situation where I'm already to someone. I mean they just up to I have some money set aside to to a trip I'm going to have to take, but I don't know when this is probably be sometime next year. I don't know about you,

keep the money in favor for one that comes because it could be at anytime or should I rolled into my you know, put that told my dad snowball and then worry about the translator when it pops up. What is the nature of the trip? It's a trip. I have to take a do to my wife, says: citizenship status in her home country. Ok, all right and you have to go. The largest star citizen ship? She has to go right, but but I'm I'm petitioning I kind of want to be there and on and it I'm sorry, I'm yeah, so she's going to have to be there for about month, I wanna be there for two weeks, the final two weeks of her birthday, Anne, but so far we haven't,

four thousand saved up just because I don't want the fluctuation of the of the church. I don't know how much the airfare is going to be our various expenses. I think you've got to set that aside That's that's an expense that is coming and it's not really flexible because sure this is something that's been. The process has been worked on for years and, if you don't take the trip when it becomes available for her to do this, it'll probably delay her process quite a bit so something you need to do when you're going to do it. So I'm not sure I understand exactly she's trying to become a citizen of another country, no, no she's, trying Her parents came here, uhm, you know she wants a dual citizenship: co, and dumb, so she is countries of early born in the? U S? U? G? U S! Citizen right! You know, I'm not sure what the market, your support, yeah, so um right now, she's she's out

because I don't want to risk anything. You know that we've been through all the expenses everything's been approved. It just waiting for the interview date to get her visa. So it's been a stressful process but uh, near the end of it. Ok, I'm still confused what country is she trying to become a citizen of she said she to become a citizen of this country? You and you have to travel somewhere else to do that, the nature of her parents coming legally with her she has to have the interview at her home country. She can't cannot have it in this country. How was it she status or something now, I'm not never heard of that, I thought I thought I thought all the US citizen work was done on stateside. I didn't that I don't know, I'm just ignorant, I'm just interested as it seems Originally she was doctor, but she

as a result of that. She can't have that. She can't have the interview here. She has to happen in Brazil now I'm catching on. Ok, so dark. I think, ok, cool, interesting, yeah. Well, yes, this is a known thing and if you don't take care of this, it's going to cause serious. Evil in your family and it could cause. Which delays in her citizenship or even put it in jeopardy. So, yes, you need to do this when it's available in you need to have the money sitting there and you don't touch it for anything. Just pretend like you, don't have that money, but not every girl she's, the one that has savings account. So I pretend it's not there yeah exactly and just you're sitting there and then yes, that's exactly what you should do. Sorry, I'm just curious about that. I didn't. Interesting, ok, uh, Mary Beth is in North Carolina, high Mary Beth. How are you I'm doing well, I'm so excited to talk to you today. Will you too what's up so please, I love my husband and I we have three houses that we well. We own one

outright totally own it outright. We use it as a rental that brings in approximately fifteen a month one thousand five hundred a month phone as our primary residence as of now, but we planning on using it as a rental and getting one thousand five hundred a month, and then we're going to buy a third one, that's going to be our primary residence and that we're going to thirty year loan. So my question is: which house do we pay off? First, do we pay off our one or about about user rental form? which we owe one hundred and five thousand dollars on it, it's a two point. Eight interest transferring or do we pay, The new house that we're about to move into, which is, thirty year at three point. One percent interest rate. Well, I absolutely love rental real estate, I own a bunch of it.

And I'm the man that, if you do like rental real estate, that's a great place to make some money if it's paid, for. I would not keep the house that you're living in I would sell it, and I would use all of the equity to buy your next home that you move into and when I get it paid off, I would save up and buy rentals will for cash the one you have this already paid for can just sit there. It's fine, it's not the end of the world, but I'm not going to tell you to keep your current home and which causes you to go further into debt on the next one 'cause effectively. Lock. Your next home, like you borrowed on it, to buy a rental yes and I wouldn't do that- I wouldn't do that. Ok, okay makes

I'm always leading you to be debt free because it's the shortest path to wealth is, if you get your personal residence paid off and you've got that other property paid off. You can save money like a crazy person. I mean the money will just pile up 'cause. You got no bills, you got no house payment You got no payments of any kind and your most powerful wealth building tool is your income when you don't give it to somebody else, source in Massachusetts, had Joseph welcome to the Dave Ramsey Show. Thank you for having me look I want you say, thank you for your show. I appreciate it. I am a retired veteran thanks for your service father. Just thank you, sir. My father just passed away about a month ago. He had no, no we'll nothing like that. Unfortunately, he didn't have a life insurance cuz of this cancer

taking over hills estates, I'm trying to take over my bills. Unfortunately, I can't keep my mom's house. I can't sell it, so I kind of forced to renting it out. Which leads me to having to buy a house? Why can't you sell it? because I talked to a real estate agent in it's not market right now, where I can sell it, two hundred and ninety on it, and I wouldn't make a mockery out in equity off of it right now. Okay, and so what would it snow for today? Uh probably about two hundred and thirty about asking about three hundred and thirty: ok, and then it's hundred and ninety on it yeah. You need to just sell it, ok I'm going, not gonna make anything, but you wouldn't buy this house.

No, no keeping it by keeping it you're, buying it you're buying it again get rid of it. It's a it's your date, been to a lot of emotion of your dad just been gone a month, where's your mom live in ' she was living in the house she's moving with me, which the reason which is the reason why I called so do military. I have a VA loan on a house in California, I have about two hundred and thirty thousand equity equity 'cause, I only oh two hundred and thirty three right now, 'cause I've been extra mortgage payments throughout the year. I have about thirty three thousand in my bank account right now or forty. One thousand bank account right now. Where I was either going to take out a heloc, so one thousand to put on a down payment of their house for basically is twenty five percent, which is about seventy four thousand. On a house here in Boston, to house my wife, my son, my mother in law and my mom yeah

yes, yes wow. Yes, Okay, What I would do sell the house in California. Even though I have other equity in it. Yes, especially because you've got all the equity in it, and I use that equity house in Boston be careful, you're, buying a house for this many mother in law's that you don't end the house- that's not marketable, but someday they're, both not going to be there and then, if you've got this your house, because all designed around this unusual family situation. You heart I'm selling it so don't buy a it becomes a white elephant I'd. So both those houses put all the money in a file and buy one house to accomplish this goal. Don't buy a weird house, this Dave, Ramsey show

Hey it's Kelly, associate producer and phone screen over the Dave. Ramsey show. If you would like to be your debt free, scream, live on the show, make sure you visit, Daveramsey, dot, com, show and register. We would love for you to come to Nashville and tell Dave your story money isn't the only thing we talk about around here, get life changing advice on your career. From my good friend and career expert KEN Coleman, all my KEN Coleman 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, the KEN Coleman Show is for you, everyone has a sweet spot. Your sweet spot is at the intersection of your greatest talent and greatest passion we will

If 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 Coleman show here more from the Ramsey network, including the can call in show where ever you listen to podcasts, hey it's Jay. Producer of the Dave. Ramsey show