From the headwaters of Rams resolutions, broadcasting from a dollar car rental studio, judge that day Rams asia- that is dumb pages gay paid off old mortgage, has taken the place of the Bmw status symbol of drawings and they ran through your host. Thank you for joining us. Open funds are AAA eight to five. Five, two to five: that's triple eight, eight to five five, two to five star, those hours gonna be Jarrett in California? Merry Christmas, Jarrett how're, you merry Christmas,

Don't worry about yourself that are there deserve. How can I help? As are the reason for my? it is on me and my wife did your financial peace university. Couple years ago than life changing for us we're on the baby steps before through six. Now. And I were starting to save up for our necks automobile purchase, which we have to deal with cash, of course, My question for you is that cash that I'm saving for the new car should I keep that liquid with my emergency fund, or should I get fasting that and my mutual fun portfolio so that it grows faster and I can reach my goal soon Well, if you're investing for less than five years, you take the chance of it going down as much as you take the chance we're going up in a mutual fun mutual funds generally your member from financial, regional. Firstly, ninety seven percent of the five year period of made money on the stock market, but only.

Fifty seven percent of the three year period chaff shall give a one in three chance. Actually losing money when your play, with three years- and I suspect, Having very long for this car right. Right, it would be around the five year mark, throwing aside for five years for a car. Oh yeah, right now we're driving key Sudan's, but we plan on having more kids will at some point we have to upgrade to minivan or something like that, show. How much would you be shaving towards the car ideally one he twenty to thirty guy I'll, come over five years for letters. Take twenty Kay five years is four thousand dollars a year right. Yet and I'm not sure you made

percent on it versus one percent, that's a four hundred dollars wing per year, so it doesn't make or break the deal, because the actual dollars that you would make during the period of time would be. You know if you made ten percent verses, one percent as an example through the predetermine you might make fifteen hundred bucks or something through the period of time. But it doesn't mean you get to buy a car because of this or you don't get to buy a car because didn't, put the money or mutual one more than origin. Ninety eight. Ninety nine percent of the money is gonna, be you putting the money in the account? It's not gonna, be growth mathematically, and so the more you put in the account the faster you're gonna get your Van Orton, today, and so you can do either one it's not got Roy you keep you from getting a car, they went, in value, but it's more of a theory

call discussion and it is an actual dollars that move the needle and so that that sometimes what you can get caught up in this personal finance game is all other people have theoretical discussions instead of exactly what really happened. I thanks for the call open, phones, a triple light five. Five, two to five I'll, give an example. One those theoretical discussions or rather ironic and irregular arranging, do six thousand dollars a year if you're under fifty years old. What happens is in reality in the real world, people just do six thousand dollars in a traditional. Are they put six thousand dollars in the Roth, but of course, or some duper living in his mother's basement riding a blog. Day room. She doesn't understand mathematics when he tells me what to do that, because the when you actually look the mathematics, but, according to the number in the basement, he's actually mathematically correct

although I live out there in the real world, not my mother's basement, but mathematically, What happens is in order to put the money in order to put six thousand dollars and Roth. You have to earn about eight thousand dollars. A man doesn't because you gotta pay taxes them going into Roth, is an after tax calculation. In order to put six thousand dollars into a traditional. You have learned six thousand dollars because its pre tax, So when you compare traditional with a raw, your technically pairing nine thousand to six thousand, because it's in Africa investment? If you wanted to do the arithmetic, do the arithmetic take proper We can do it in a vacuum. That's fine, but the real world, the real world is people. Don't even think like that. That is put six thousand dollars it and I just do it and so

You know the net result of me getting her bodily raw says it's as if their investing nine ding ding, so yeah. I came out way ahead, but you know what I'm cheating, of course, because people are getting rich faster and we can't have that if you're Domini eleven are much basement, so there you go, I mean, but in the real world and Matthew Heaven on earth. Do you have an arithmetical vacuum theoretical discussion of mathematics versus what people actually freaking do? And so, if you'll start discussing ITALY, what people for actually freaking do then you ve got a nothing is thereby gets all upset about something events, charger. Commission all you're gonna do play a convention of the matter.

One of the largest studies ever done by the Actuarial Association of America, which is a group of merge, found that twenty four percent of the region that people end up building wealth in their investments is not the fees, it is not the return on investment. It's not that twelve point, four initial peace, eleven point- eight, it was not that you, mediation, Pierce, they didn't beat their simply by a few points here, half a point near their seven four percent of the reason the people succeed in investing is because actually invest, the savings rate, meaning you freaking put money into the account instead of sitting around sucking your thumb in the back booth of some bar having some kind of a discussion about mathematics.

Go home soon pays and I gotta know, choose the new cap videos and pity, because everybody knows piles of investing in by the US, b, because building mutual funds don't be there's somebody just in fast. Those are the people who made up of money that people it put money into investment. We will have money and investments and then a shocking statistical correlation. I mean it's amazing This idea that personal finances really eighty percent behaviour Only Britain had knowledge. So I M not suggesting you over and reason, and not suggesting you by mutual funds that underperform, but really that's not the secret secretive. You do not get paralysis of the analysis and analyze. Everything to the point that you do nothing do it. Just shut up and do it and that's opera

a region that amazing, the ones of actually do put money and investments, the next. I'm your brother in law, whose broke ass, a theoretical discussion about investing returns time, all the turned come from beat to people who put money in the accounts. This is the day rammed leisure, call the other day- and I thought it was worth talking about again. It was from a wife looking for life insurance for her family. She asked why I only recommend term life insurance system of cash value plans like whole life. I use,

explain how you over pay for coverage, earn a horrible rate of interest and don't get your cash value when you die. But this time I just had to go straight disaster dot com and get a rate, and then we compare that right to the whole life plan and she immediately saw the huge savings. That's why suggests that everyone gotta zander dot com or call them at eight hundred three five, six four to eighty two and get a free quote by your joining us America, others of the diver amnesia MIKE, is in India,

MIKE welcome to show merry Christmas workers do through two thirds. How can I help the question? I have four hundred seventy thousand dollars with a rental property. That's three different duplexes figure and about fifty thousand dollars a year and that after Baker, these men and repair of all the other things and if I invited fifty a year, the next twenty years and then sell about how they look like about four point: nine million by outlook Your website, if I saw them all today, seventy thousand, and about the bad for the next twenty years I have the same amount I'm wondering what I'm nothing then I just don't know what to do. What? What is it trouble to run all these voting for all those years. Well, generally speaking, good pieces of real estate,

We'll make you more money than mutual funds will be. They require, but there's a hassle factor. You have to deal with these things called tenants and repair people and all other things. The the wait, a measure real estate accurately. There are three places that the return comes from and real estate. One is obviously, like you said: the casual cash return, which is the rents that come in net of all expenses per year, that you're carrying on cash return on investment. In addition to that, the properties are going up in value, the capital gains net on that, and so this four hundred thousand arduous property becomes worth a million or two million or whatever over a period of. However many years and then the third thing is, is that these properties are depreciatory, meaning you probably have them on a depreciation.

Schedule and that realised as you and actual cash tax savings, which means that some of your income or that from the rentals or otherwise is sheltered. As result of depreciating these properties and there's an actual, you paid x number of dollars less in taxes last year because of that appreciation, schedule almost properties, show that those dollars, plus the increases in value plus the cash flows added together, are watched, called an internal right of return, and I are are in an internal right of return on real estate? When you put it all onrush a sheet and you develop that out fairly sophisticated you should probably making seventeen to eighteen percent on your money in your probably the cells you're making around a ten percent casual cash. So That means we believe, rejecting intact savings and an appreciation another seven

a year as an example, most of my properties, I'm making that or more on the return on on the actual value of the property, not on what I paid for them So then, what I look I look at. It he's a property. I have that. I say I've got a million dollar piece of property today, ok, and look at that and say if I cashed it out, I could take that million dollars and I can invested in mutual funds are abundant spatial real state. So that's what I saw what my return to be on the vow you, my rental, returned the FAO. You and I want my return in increasing value and even the tax is protection is not based on the value, but it I'm looking at the total returns based on what the properties worth not one I paid for, because I have several pieces abroad they're worth like a million dollars or family and ours, whatever that I've got to cents on the dollar and the bottom, and oh, eight for nothing, what I've got in them is not relevant and then I'm looking at the value, because that's what I could cash out- I've sold it. So we don't

on our properties. In Julie and as a portfolio each year. The years she? How they're doing and generally are our eye? Are ours between seventeen and twenty and our casual, around ten depend at the time of property areas and so forth, but again over the mutual funds. All I have to do is open the email and on What is that? Might they extend my managing a mutual fun, but with properties in all, I've got it. Tom properly manage my farm, could I got a large poor fellow of real estate show you know. My son in law runs all of our real estate and he's got a staff. The does that in own and so, but so them net of all about is what we're looking at is of all the costs and, of course, I love real estate and but should make more on it because you shut the screw with more so it's up to you. Do you want to own real estate or do you wanna? Do you like the demand, the process? I think you,

more money. If you don't mind being a landlord and you will do the good work of fair with people and firm with people that you put in your properties, but not everybody's wants to do that, and that's ok so I'm lopsided right now. I've got a lot more real estate than I do in mutual funds, because the real stage, a party so cheapen has gone up so fast and it it's gotten out of balance but our greatest, I mourn alike, mutual VON. So there you go, but mutual funds are the best place to make your first three or four million. Because you can get started in there. You can throw some money adamant in, like your father, k in that kind of stuff. You oughta have your million maiden? Haven't you for one casual approach, retirement easily every one of you listening should so, but you and you can- you can put in- fifty five dollars per thousand dollars or fifteen hundred dollars. You can't do that real stay roasted requires a big chunk so roasted you

Please gonna become come later in your wealth building process. You ve gotten into these properties early in your wealth building process and that's fine, but if you want to hold him until retirement fine, I would say I would do some mutual funds in addition to this, that I would not be a hundred percent in either one unless you just hate one or the other, from people who rose dates for their harbours, individual funds. Fine, that's ok and some people hate mutual funds are scared start marketer? Whatever than I got all my real site? That's fine, but real, stating a what we call a less efficient ma get meaning. There are more bargains available. There's few bargains on the stock market So many people changing so many digits at the same time, that market becomes very efficient and a very efficient market, meaning that the price charged with pretty much the price real stay. You can occasionally you sneak up on a piece of property and get a deal. So that's what you're looking towards

I Rachel's gonna, be whether North Carolina high Rachel welcomes that I've Ramsay show our you better than I deserve? What's up? Ok, So my husband and I are funny- really arm obese against you we're ready to be gazelle and men. I have a question: should pay off are any my eighty three thousand dollars in Ceuta land as part of baby step to await in her baby sit back. Which internet and I can say, Paraguay, tyrant and master he killed on. We need to get this student loans got babyship to show what your household income. Now at one hundred and forty three thousand phenomenal and what your degree I'm embarrassed by accounting and will follow the comic while working over. I am one of those fine finance stupid, professor type people that you,

without long? I was too that's. Ok, don't teaches personal finance in that, but at least you ve, got a degree that huge supports not left handed puppetry or something of that approach. Good, so you got a degree in accounting and your household incomes on in forty five, you got eighty two and student loans were actually gotten debt, not counting your house we have about six dollars tunnel in credit card really bought with, they are here yeah away. Don't have card at. My third had ten thousand now we have a lot of our debate is just a little bit of the other than your eighty two know a lot about a hundred and forty three thousand in dead. Ok, I'm sure confirm I ask you: how much do you so you got eighty three on your stood alone and you ve got thousand armed, you should credit cards right was rushed out

thousand dollars on one card, and there are really two that part, but we have forty thousand dollars another car will show it is stupid. Sullen get rid of it. It is and you got roll up your slave. You should be deaf free and to to five years, Pulsar monosyllabic arm. Yes, you If you're student loans, baby step to you, gotta get as much cleaned up ghetto Callanan, this is that I Ramses,

in the lobby of Ramsay solutions on the debt breeze, Michael and Katy, or withers- hey guys, our yeah god. How are you Dave better than I deserve merry Christmas? Merry Christmas welcome to Nashville. Where do you live? Columbus, Ohio of on call great town love it welcome here. That very scream. How much of your pay it off! We ve paid two and twenty seven thousand dollars wow, and how long I'll. Take you took his forty nine months very good and range of income during that time? So we started about one twenty five and ended up about one sixty five very cold. What do you do for a living? Caesar, I'm manager and automotive repair, oh very good, fun, and what kind of debt which are two hundred and twenty seven

dollars. We are pretty normal day. We hide credit card that soon loan car payments, but the biggest part of our that was our house. You Brad. I owe you Jed Logan at which way to go You guys, while you're young diver paid for housing, awesome very closely how much to twenty seven. Was the mortgage But seventy ever was consumer. That, though we knocked out and then the rest of it was all the mortgage show a hundred fifty out and forty or so about the ETA cool. What's worth thickets for about two. Eighty right now signing and it's yours baby. It's all yours! I love it along. You guys been married for thirteen year of you. We're Benda free. While you were married now, no, not even close I love it. Very good, very good manners. I feel great you can't we just here too. Are you running out on your house? It's pretty exciting.

Of course, real it s, South Korea as far feel light is a further yeah, something else, one so proud real job. So tell me what happened for years ago. They put you on this journey. Well, we struggling we're just live in patient Hey Jack in May, pretty good money. We're pretty happy with what we're making. But then, when we're done, our taxes and things like that were worth all the money gone, and it was getting to the point where, on Tuesdays and wednesdays, leading up to my payday, can you go hey don't spend any money tell Friday in that. Obviously led to arguments and where we have money coming in, why? Why can I go to lunch at work? This way, because we're only money MIKE, don't don't spend money, we're done, and it was so our attention in everything we do in trying to figure it out ourselves and fix it. Just wasn't work quicksand, we're going backwards backwards backwards. Never great idea I had back then was not a great idea

We went to a good friend of our wedding and it was one those weddings where we know them, but we already know anybody Alice or sit in a one. Assign seeds, tables, side of us is a couple and another side of us is a financial adviser, and God bless the guy who sit next to us he's like while I'm broke, use a financial adviser and then we're just kind of sitting in the middle gone, interesting conversation just keep your mouth shut, and so there I can about money and a couple different things in the programme s wife has said we ve been doing the rate Rancey punishment really workin for us and then later in the conversation they mortgage debt and that's why decided open. My mask the thought. I was smart guy at the table, which I wasn't said: will you we can have a mortgage, and that is why looked at me and I ll. Never forget the ratio to issues Dave Ramsay says you won't equipment. I'd never even heard your name web day were actually happen so that night, when we got him from their wedding.

The total money make over and read a book so fast. It's fast of ever read a book in my life and then. Katy to read it, and then we were off the races. At that point, it was like clarity like wash over us like this is what we have to do is also of our life. How fast did you knock off the seventy? The consumer do about it, ten months. What I thought you were a girl and then record you broke records on the house, yeah we we borrow has pretty smart. We didn't have any p m, I we're pretty good in it and then we got down with me step three we're looking for five and six emerges trudged along on four five and six enjoying it and then Katie's. Okay, we gotta stay gazelle intense. We have to get this house, don't even a life where we're just going to talk about it. We gotta do it in our behaviors were in place from knock out the seventh Aqua yeah. So she had sixteen eighteen months or the muscle built up

able to do it, and so you just leaned and knocked out. Yes, we were game on like time anything that would bring an extra money, we're doing that's impressive, very lengthy, and so so really, the house about two and a half year from the time you knocked out the other yeah. That's very that's highly, that's very fast, the tip about seven years. Just to tell your excellent well, I think so outside of the two of you who are your biggest cheerleaders so appearance or a really big cheerleaders. We had a couple groups of friends that were really big cheerleaders than they did in a fairly or stay on exactly what we are doing, but they were support have so you know that real helped and our journey little We are so good friends who may not be the plan, but they understand if you can hang out with us, we're gonna cook at home or Bonaparte Euchre like we're, not gonna, go to a fancy dinner and I really I knew you and ass. I question arose like that's like the support,

looking for through that, they just really helped us stay on process. Absolutely, that's very, very cool, good, very good show. What are you tell people The key menu you got your whole, alright, I'm thirty fact: I'm thirty nine and you have paid for out We do your officially, we all so. We actually have a doormat in front of our paid off house that says weird people. If here nobody knows what it means: we're DE rooms, a guy, that's perfect. So what do you tell people the key to getting out of areas everything's a number one thinks teamwork. The number one call that you're on your podcast that just breaks my heart is: how do I Mrs Paulsen Board, in its is a blessing from God, gave you on board with this from the very beginning- and I mean

she's my says about you, not accountability partner, not hers. You know in this journey, you want a struggle and you want to buy stuff in sometimes I'm a guy- and you know I might now, even though it existed five minutes ago, but now I have to have a definite and that's where a wife comes in handiwork: hey we're not buying that take a cold shower, wait a week if you still want it. Maybe we'll talk about. The budget when the house is done but move on my own behalf and in I think vice versa there. So that end, the envelope system and a budget, you gotta be on the budget. Budget is the law, and if we wrote the budget, we wrote aggressive budgets, we were gonna hit that budget, no matter what it back in. At the beginning of this, I had a really nice gun collection. I was begun collector and gone into it. Randy platinum like I will give it everything I'll, be super aggressive, just don't touch the guns, there's no

laughter and we were three months from being over the house and we're gonna be two hundred dollars under budget in eight o clock it was the first gonna ever buy. Like very important to me, but hidden budget that Martin, miss my to arouse way, more importantly, with three months left so got rid of it We did that, so we would hit our number if we wrote it, it was the law we had to do it. Well, the goodness of joy payments. So young bargains life is going to happen to worry about where many or Erika Mann. Congratulations, you guys very cool Katy what're you tell people the key to getting out of debt is definitely to have your spouse I will admit that I was a little hesitant at first. I cried our first couple budget meeting, certainly not he was taking everything away from me and then I learned that I didn't really need all that stuff. So yeah it's getting yours, some born being on the same page so but eventually by the third budget,

You had a vote I get more later on. You start taken stuff away from him idea for about fair play right. That's why it's supposed to be right there well done you guys in the young manner. What are your, your sons or what names. This man, these eleven and this is Landry and he's eighth show are or were they involved. They know what's goin on our three months, they know mom and dad pay if change their family tree. Yes, there's never go back now. This minister, generational trained well done count it down. You guys Michael Katy, mad and Landry Columbus, Ohio to it and twenty seven thousand Beethoven. Forty nine months, Megan one twenty five one, sixty five baby counter: let's era that very screw three, two one

were not even forty years this is the diver amnesia areas in Florida very welcome that Abraham seizure, Dave. Merry Christmas! Merry Christmas to you! What's up the amount paid. The undertaking

The two are not left, but I, like clamouring, ran on it seven, twenty four! and I got thirty eight and cash trawling, And coins- and that's it Would you like wherever and whenever I think emissions by Bishop true, is that we should who is you have sold everything except retirement funds to be out of that, so you would. The Czech today and be dead free except her house to pay off the car. Yes, sir,. Like like eight weeks ago, yeah, but our two months That was our second child. Ok, Forty thousand, how much you show your savings? Forty eight forty, YO twelve on the car. Here you see a thirty six that bucks left in the account nearby beyond what you'll be ok change I can do to match. But here's my question.

This item shit in the plan and something I wanted to do for a long time ago, my wife, twelve years you asked about your parents, brothers on disability and even a ban neighbour learning about apartment and not an option. Data pertaining to set down on a small house around the corner from Gaza Morgeson. He drew his chuckle covered with a mortgage, They moved closer to us we'll have to mortgage. Is my house in his house but you'll be able to pay for it. I'm handy I put a roof on our own house, I just didn't know still die. Simpler steer. If I should state that applying do this ten years from our other baby on the way and that kind of my main focus should they you need to have an emergency funds set aside out of your dead, free and out of you

show your coins and you're emergency fund of three to six months set aside out of that, and then you start by beat up four five and six switches percent of your income, going into retirement, start talking about a kids college fund and by becomes and then we start talking to pay off your homer as quick as you can. What is it? shoulda income, fifty three six, three or five three five, three not told him artfully expenses or twenty seven hundred men includes food and utilities and everything? Ok. So, let's at ten thousand of the thirty six aside that Romania the camera Azure emergency fund. That leaves us twenty section. You should twelve and gold coins right yeah, which puts us back to forty, eight thirty, eight and thirty, eight that we put towards the hundred and twenty four on the house

how the hell should not at all after but Mamma Mamma comes homework for with the baby, but now you only oh, like eighty thousand dollars on your how'd, you make fifty thousand that's not ten years. It's about three years for years, you're gonna be have your house paid off. Yeah, so fine, a certain margin of second. How now on twenty thousand our house and my brother line you, if you need to help you help him alone, but with cash flow running, something better than worry is until you can your house paid off and you can save up and pay cash for the house. You remove him into. We quit going money. Shall we get out of debt hooker? So that's what I would do I love that you want to help him, and I love that you ve got Anxious pulling in brain between taking care of child and helping your brother in law you're, just giving guy your guy wants to everybody and that's a good thing. What you have to do most

probably spent or to almost bender most of us that are spenders or givers, and so What I figured out a few years ago was the if- manage the spending and keep things prioritized. It enables me to become wealthy are so that I can give more and it changes my giving. So that's what I want you to do and don't let your giving keep you wealthy, your wealth from building which will keep you from giving show that that's you ve just got to keep us the power to do so. I don't mind you helping him. I would not by my house until you can pay cash for it after your Paid off- but I don't think that's, but about three years from now that the house has paid off then, shortly after that, no house payment or payments of any kind of an organ job and cyber money to borrow a house pretty quick? put him in and then In pay, you ran equal to his income or whatever. If you want to do that which would be pure. Flow.

Or you can just lame live there. If you wanted to active as a ministry year in order to act of taking care of him or something I wouldn't kill, you can judge paid for it changes the game when it's four or something happened, and he just took off in their your health left. Well in that house and you gotta payment and he's not pay in the play. Many more your stuff now you gotta relationship with your brother in law, the strained, and we just don't be an all of that so Peck get your house paid off and then let him pay. Cash Noah would not buy a rental right now and those are the reasons behind it so that you can be in a position to do more, even even more later China is, whether in Kansas, I generally welcome that I Ramsay show critical thinking so much for taking the time to certain. Certainly, how can I help you, Philip. My husband and I are the marriage for five years and we are at a point when we were disgusted- hired and we're ready to finally get out of tat. We

not that our budget and our plan- and we feel like we- can have our ninety seven thousand dollar thinking it would get paid off in about two to three years at maximum. Quite an inner and my question is that we know how much we can throw uttered monthly by three bought a home three years ago and we well below mortgage. So we know it's a good place to stay and allow us to even more, but the house and saw her part income regard it five years old, any eat some serious repair that I just don't know how to budget for those repaired but are necessary, but we can't we Intel three years goes by to fix them. Well, you slow down you're getting out of debt and you pay cash. For the repairs or you don't do them. Ok, then, from there

to selling the money paid, moving. We don't have very much equity in the house should be so I guess I just don't know really what that looks like limited. If you sounded any broke even and you went rented something you're, not even right- judge for repairs every month, while you're trying to get out of that- and you just creasy quality of your life. Kid you're living in a dump, the accurately sour hadn't, even out of that an option there I'll just get rid of the here's. What happens with mostly when they buy a house to do motion, while their living in it it sucks marijuana, your bones, yeah that's where the money you ever say that put that movie there was cheese, use, cried, got the money pit it was an overdraft dramatization of how most people feel when they do renovation, whether living in the house very difficult thing to do emotionally therein of

house over a four or five year period of time, while you're looking at it worrying shoe the Czech Ranger relationship, Ranger money- it may you know you're just I heard of dealing with the rap. Am I wrong I'm around now Ok, that's! What's more money had were mostly what, when you go into it, you go hey, we got a deal and I'm kind of handy- and I can do this stuff and we'll do it unless you push on through that in about six months, it gets really really old and your way past that really old part I'd get out of there. If I were you, I'd just get you another gets into the place get out of that and decide whether you want to renovation again this time or not. Armando reservations about a lot of properties that we rehab, but not while people lived on and on

come out? We ve done some pretty massive redecorating sure and besides, we have to do that every so often to shoot me, but it's something she understands and I dont so we're doing it, but even tat level of just stop being porn up for four five weeks, while their runnin paint and putting it little crap on the wall or whatever is they're gonna. Do that drives me banana just adjusted over a period of weeks, to do it for months or years. It's just push our individual But our anniversary, many people do that successfully. Thank you for the golf merry Christmas to you that puts us our that I Ramses show in the books are thanks to James Childs, our producer country Daniels, our social, belligerent funds greener. I am Dave, Ramsay your host and we'll be back

hey. It's Kelly associated certain funds for that Abraham Seashell. This episode is over, but if you heard about a product or service, it didn't have a chance to write it down. Don't worry! We list everything that is mentioned during this episode in the podcast show that sexually thanks felicity. You ve got questions about retirement, investing becoming an everyday millionaire, go beggar and broader with my man Chris open on the crisis in Georgia. I M excited to be able to talk to you all week in week out we're gonna focus on your calls and it's going to focus on building wealth, investing and how to become an everyday millionaire subscribe to the chorus of ensuring wherever you listen upon gas. Hates me producer of the Dave. Ramsay show this episode.