From the headquarters of Ramsay Solution broadcasting from an armored car rental studios. It's that day, Ramsay Show where that is done, caches, king and paid out more. It has taken the place of the Bmw, those that a symbol of choice I am they ran through your host. Open phones are AAA eight to five five, two to five: that's AAA eight to five five to two Chris starting off. There's our in California Ichorous welcome that I've Ramsay Show Raven Chris. Thank you so much.

My call it's an honour and a pleasure show. How can I help so quick background? My wife and I are thirty, or on the sole breadwinner self employed, electrician, and we ve been really leaning heavy in their baby steps for five and six, with an emphasis on six? The last couple you wonderful good and we really need, down a marriage quite a bit, but now, obviously because of the ongoing pandemic businesses down I'm still bring it in you know some period, but it's not a fraction of what it used to be and I called my mortgage company and I should have liked to capture some the benefit of all this. The sum payments have been making alike to recast the mortgage and they said sure you just need to make ten thousand dollar principle reduction payment at the time you request, we request the recast and you know I've got Not about thirty thousand dollars in cash qualified and checking in twenty five that I consider emergency fund we could prove

we consider that about a ten month emergency fund. So why do you made to recast the mortgage? I'm just? thinking. I dont know how bad this is, gonna be, and I'm trying to lower all my expenses as much as possible so that if things do Really bad enough I want you to your house payment about hundred and change and recasting it will lower the one, because we did so much in a public debate have we all about you? How do you really think your income as within six hundred dollars a losing her home? Somebody Roca so just keep, and is agreed, and then he had after a pay. An extra and you're gonna make you like twelve at our House payment in California. You do a dance in the street right.

What about when you and the prices were down in the outer about with an unlicensed pharmacy, so that a good deal I'm over you soon. As I read it, see you gotta, you got an unusually low house payment for California for that matter. Nationally, you have an unusually low house by and I don't think you're a lot of things are really numbers. Gonna drop. We ve you got how much and saving for emergencies about twenty five tat knocker. I don't think you're gonna get in danger here. Ok, I would not bother with us and recasting the mortgage doesn't do anything to help you pay it off. It just simply lowers the payment right. The way- and I won't thank you days you aren't you ve done a very, very good job and I really appreciate you say and Ocampo trotted out ahead of their someone tried to think through it. But my point is, as if you get within six hundred dollars a month of having a problem, you probably have a bigger problem than this mortgage too.

Then that's day? It's just you know if it was six thousand dollars and you're gonna recast it and it's gonna be a thousand dollars. Maybe ok, but six hundred bucks swing. You know, you're gonna, be all right. You you're a scrapper, you're gonna make this happen number one. There were two. You got a great emergency phone number three. If you get within six hundred bucks a month of a problem on going for an extended period of time or you're, actually get in trouble with the mortgage, thou would be there. You got a lot bigger problems there and I don't think we're gonna get there with growth of ours, What do I know? I don't think we're gonna get here with corona virus. What olano? Some thanks for the call right actually is weathers in Washington, high actual. How are you hello there what's up. I am currently on my lunch break so much time at this point, but many were born in the same place. How can I help knife

I have saved six months worth of emergency fund and that's currently in my savings and I at this point in time, have ten thousand dollars in checking neutral the silence? goal of mine to do about the emergency fund. Of the emergency fund, the eye. I why I'm trying to figure out how to invest it, the right way and I've because of that, I haven't done anything within she's kind of ground. We have any death, no coach, you got for me, my mom, yet we are not voting on putting any money and retirement that at this point no the final work day: yes, let's go talk to them about their after your lunch, break them down,

We are talking about. We say after you're out of that, you have your emergency fund, that put you what we call baby step for war and must be start putting fifty percent of your income away for retirement- and I want to do that, or even right before you do that. If you saw how by house I'm about how she had than you would save up, and you could use a ten thousand in that direction, the only thing I'm sure not only with sitting there in checking? You don't need that for comfort, you have an emergency fund of three to six months of expenses for comfort enough in checking does to handle cash flow back and forth, and ten thousands way more than the typical person needs and checking and ongoing is not earning anything there. So just not now what you wanted to hang on I'll have Kelly pick up, will send you a copy the total money make over before you go in your lunch break and that'll help you get things go on now, is whether such taxes high Noah, welcome that I Ramsay show. I do now

better than I deserve. What's up so all background of nineteen years old currently go to such attacking diversity attitude which, during the good while wonderful. Thank you. Thank you. I have no doubt that I take about a bunch of oak fifty hours you can't do is causing it to work out. The guy was really flexible, says, put scrutinised and do a treat to do any work and ass. You get about peace by weekly, how are you paying for school, so my per man said the bunch of money for it, so they cover whatever escalation I got about. Fifty thousand dollars impose its own should not cover stated the rock man you guys have done such a great job.

Dont eighty here's the thing now I appreciate the ESA. The degree field you have chosen is excellent in terms of career possibilities and probabilities and you're gonna make good money and you're gonna make the return on investment. The money you spend to get your education and mechanical, drawing it mechanical engineering at at Texas Tech University. The money you spin there is going to recoup is gonna. You're gonna get her great return on investment in a much better return, word on investing in mutual funds. So, and so you won't let you are the best investment you can make I know you have college covered with your parents and with a scholarships, but we're only talking about twelve thousand hours a year here that you can save, and so, if you save two thousand hours a year, your freshmen and you do that for four years, you'll have thirty six thousand dollars when you come out of school,

you can invested then meantime out pilot up just as an insurance policy to ensure that you get through school Would she wrote back You are a better investment. The mutual funds make sure you get from a school with no backers pile up the cash. That's all I would do This is that I ran Felicia, You know what discipline

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right for joining us America, we weeks back my good friend our Miller, was up there my home and he brought a body of his who became we became instant French named Chris. I'm going to mess up his name Gill up his. Millisecond where that and a Christian. I got it the day and he launched a book. In the middle of the crown of ours, worse timing in the world, but when The choice is publishing things. That's how it lines up and happens. The book is a great book. It's called the money tree Sorry about finding the fortune in your own.

Back yard, he's the author of the New York Times best seller, the hundred dollar start up and since joining me to talk about this book ichorous. Our aim of ram. Dave under it and you got the names is perfect, but why I am amazed. Ok I like this. I love this style of riding we'll get the whole point across. I learned the principles through a threat. Terrible? If you will, story through the process, and so. You know the hundred dollar start up was a huge success. So made you do the money tree and whose this book for

yeah, yeah? Well, so so the money trim? This is the story of funding the fortune in your own backyard. I, when I wrote the hunted all shot up, that was that the how to book is the business, but it is now it's pretty step by step. John crowded out book, but a lot of people dont worry business bucks. As you know, you know lots. People are interested in stories and now this book the money tree, I feel like it's very relevant for the time there were in fact it's a terrible time to launch a book, as you said, but at the same time it this time of uncertainty where people are trying to figure stuff out and a lot of people are asking. Maybe the things that we assume before we expected a ripple leaves or not sure now, and I gotta do something for myself- I have defined by national security. So it's at the Finchley, the story of this guy, who has a good job as they must shake. You got a good job, looked a decent job and he's a hardware

but he still in a lot of that. You know just like someone. Every listeners he's gala debts and the debt is affecting all parts of his life. This relationship is day job everything else, so we have to figure out. What do I do it like? I do I, how do I get out of this situation? I can't just work harder. You know I can't just you know, Dr Gruber at night or something I have to do something to really gonna take control. My future, so into going to this group called the third way begins experimenting with reselling. He gets a challenge to go in and make a thousand dollars before the next meeting in a first he's like how am I gonna do that? If I cannot do that, it would become into this meeting, but you don't go the way I figure it out and so from very starts a service. He started much other stuff. So it's this whole process of now. Anybody out there whose hoping to create more financial security for themselves, career security, so that now then,

signs the thing I expected happens. They they have or the foundation through their side. I saw their second income. My hope is that people will find it an enjoyable entertaining inspiring with also Lord something threat. As said no with those principles there ya, the wonderful by product of going through crap, like the nations going through right now, is that it takes a bunch of us out of the nest, the menu and our. Nor can it that event we're both slung cereal entrepreneurs economic about coming pointed out- is a minute, but not everybody has trained their brains. Do that or, I I am the one, but but but you don't, but they may have had a job. Are they really didn't like that? Just got taken away from them and their there. The I'd of a side. How so might just have become the thing it might be there dear and so running. A sad business are starting a business right now amazing times this could be the you don't you? twenty years from now go, I wouldn't

started that business, but I got kicked out on us by the crown of ours. You know when I hear stories like this all the time, I'm not not so much Verona virus as this new, but over the past ten years I've been writing. I hear stories of people who got laid off and at first it was traumatic without as this terrible. Then they end up starting something that they never about before maybe it was just a dream, you know some kind of idea they had understood and then, as you said, it becomes the best thing that ever happened to them and so on. Collecting storing now of a people who are already trying to adapt and activity transition say what what are the opportunities now, because whenever there is destruction or disorder chaos there also possibility in just like. Whenever there is progress, worked or new technologies. Some industries are harmed. She have to ask okay what we are doing, the opposite situation, who is actually benefiting during this and what's that what's the thing that I should pursue now, so they lost opportunities from you know the millions of people they're doing remote work. Now that done that, before you know at home, exercise everything

going online virtual digital for our opportunities, but I think that even more valuable thing, what you mentioned earlier by training, your brain, that that is the skill to learn so not too much like what is the hot thing right now. But how can you develop that our box relations that the next time something comes around like? Well, here's what I notice and here's what I hears, what I've done so partner the experience. I have the skills that I have developed. How can I apply that now so that I continue to build security for myself in my family, Chris Galileo is get gullible was with us. Is the author of the New York Times best selling book a hundred dollar start up? The new book is called the money tree, a story about finding the fortune in your own backyard. You can pick it up anywhere great books or sold, certainly Amazon and your local bookstore, or have it crosses unknown all

and I say the bookstore heavy stuff front- the centre, your I was gonna, build a find it there and you certainly, as I said, pick it up on Amazon. So what about that person? That is a little bit like I was describing myself or maybe even a while ago. That has just better yet too many ideas. How do you? How do you filter, you suggest they filled her through the ideas

the idea is yes. I have that problem. I shall fun. I think what you could do a couple things you know. First of all, you asked what is your goal like what you trying to accomplish right now at this point in your life, because if your goal is like man, I gotta make some cash like. I need to make five thousand dollars in our propre shorter time to pay off tat or get back on my feet that at a different goal from my job is ok right now, but I want options for the future and I want to do something so that if a job changes at some point, I'm not depended on it, and so I think, if you're not place where you like me to do something now, you know the number one thing I recommend everybody is is do some kind of reselling thing because everybody got stuff they can sell. First of all, the arguments he's, got something like two thousand twenty five minute art with the stuff and are closet. The bridge is not using for it's not like you sign up your prize possessions, but this autumn stuff on Ebay or any other auction site next door offer up. You now cetera there's lots of options for that and the reader I mentioned. I thought so much just like selling your own stuff. By doing that, often it is what happens,

the character of the book as well. By doing that, you're gonna learn something, and you might be able to see here something else that I can buy and resell. Here's what other items were selling or here's the completed auction price. Will I see you? I can buy this somewhere else than recital that's a skill you're, not gonna, do it for the rest, your life, presumably by twenty years ago, when I got my start, that's that's what I learned to do and it led to so many other things came later so recently. I think the first thing second thing is: they ve got all these different ideas. You actually have developed a plan for lock the different services product, etc in I'll ask yourself what is the most feasible? What and how it has the most profit potential, and what are you the most motivated to do? Hopefully, some they ve emerge are three questions: what most feasible but I gotta get shot like the possibility that data, because, like a short myself something excited about you know what I was doing when we were broke. I used to do a thing with a yellow, paddles doing roast ideals, and I made a list of the deals are working on and I would just prioritized them what makes me by Friday. You know

once you want you identify that you just got what the other deals I can work on. Lighter but I'm needs money by Friday, methought prioritization, you're, you're thinking about, urgency. You thinkin about the scarcity and then the last thing I would say is like it. If you really can't to sideline industry to pick something, because I think that the greatest challenge for the greatest obstacle people have is they just get paralyzed by indecision and they call it research. They sat on the researching different stopped by nine. They spend six month. Considering different ideas by them. Honestly, if you pick the wrong idea, you figure it out pretty soon in a few weeks or whatever. If your days maybe, and then you try something else, so I guess I think that, having up having a biased towards action over you know, extensive planning, intensive research is gonna sort. You will in the long term the lot of nonfatal failures. That's good right! It s good, to reach out to smack something and see, what's pushed something, I'm sure of it.

Juno make something cradle friction somewhere, you'll get pushed back, you're out where you must be pretty goitre, sir you'll get push back or or you're getting Nord, which is worse than he realized. Tat, is actually something different. The gods Ruth Olive groves like sprang in our there's the book is the money tree a story about finding the fortune in your own backyard. Please check it out. The other is Chris Ill about and you dont want to Missus book. It's it's a great rate gotta I've gotten most of the way through it and I couldn't because I just picked it up- could put it down. It's it's a fun page Turner. In that way, you enjoy the money tree by trying it out dressed, like that.

This is that I Ramses. Have you been

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Thanks for joining us America when follows this was that they were amnesia. All members triple eight eight to five five, two to five Warren, is in Texas. I warn Welcome Ramsay show how do you think's were taken Michael chirp? What's up. Well, my wife and I worked in the baby steps. We started off with a hundred thousand dollars in debt. And then a few months ago I found out that we were having our first baby. I thought it was a huge things we want to push paws on baby steps just temporarily Said the whole bunch of money in an watch me public will we patterns are not appropriate to save up. He continued to play down dead, to having a little bit of money set aside for the baby. The baby toll now here,

Happy and helping another day is a good solution. The conundrum wherein we have almost the exact amount of debt and savings right now. We ve gotten kind of, and you haven't. I the money money alone, but savings account. Now we got this little guy, look after so we're just looking person guidance on how to proceed. And do this the right way very job stay. When grown worse minors. Your uncertain about hers, can you make it you're income. I think so get up. We work the baby steps. Baby stuff. Do you not? Are you familiar with those? Yes, sir? I'd go to add. We down to a thousand dollars in the savings account to pay up. Ok, and then you have no doubt right. Yes, sir yes, or no, that no major internal now we're just gonna, get

What does your household income right now about two hundred thousand crummy river dude? I know you make two thousand hours a year and a half thousand years the bank and no payments in the world. How fast can you rebuild your emergency fund twenty seconds? Yes, I mean it's gonna happen and in twenty second he's got, do it, but getting rather dad is actually paramount. The fact that you have a little bit of a not your stomach and a little but a gulp of air when you do this is gonna, make you really focused on getting that emergency fund put back quickly. Am I correct yes,

there is a little bit different with little guy. Now they love it right your hotel. Now you feel the foot. You feel the weight of of being a grown up being responsible for other human beings to eat, but you make a lot of money worn. I mean you're, doing wonderful, congratulations, what a wonderful rear and so you're you're, not you're, not at a hurt. You're gonna be just fine, but I really appreciate you being a responsible man as a dad as a husband, a mink, thoughtful about that, but I'm not asking you to be reckless. You have a ton of money coming in. Yes, your good! Thank you. Thanks for the common you're gonna, be just fine, open phones, a trip

eight to five five, two to five Daniels in taxes. I dont know: how are you: are you d better than deserve? What's up, I'm gonna go out what I would my next. Actually I am. I have paid off my out last week, hey, I wrote that four hundred and fifty thousand dollars I owed, and I about two hundred and fifty thousand dollars in stating my couldn't happen. Make some money had not you back. I can't complain ago. I have, I have, are obviously have an emergency fund. I don't have all my cars or pay for I don't have any there and I have been able to put fifty down all three kids and been able to persuade you don't know

one of those it. Maybe the girl in a bank account and wondering what I should do. Next. I have put the ocean good mutual funds. Further education- I wouldn't put it in a bank- account it's not earning anything in a bank account, The good news is, you, ve been making money and you ve been paying attention, paying attention to the money and words going and making it a you and you been responsible, so you ve got a really good foundation here to build from and I saw how I just tell you to get with one of our smart vesture prose clicks Mart Vesture Diver you're, not gonna. Let me get some investing started. Verses of bank accounts for those for those kids and for your retirement. You need be saving fifteen percent of your income towards retirement, then once you're doing those, two things which are fairly easy to do in your situation, that kind of a minor tweak? Then you ve got a bunch of extra cash left because you're a hundred percent that for

and you just gotta figure out what you want to do next for investing. I not in vast, because I've talked So many wealthy people over the years. I do not invest in anything Super Francis. That I dont understand I've to understand it and I have to like it and so there's only two things. I invest money in other than obviously generosity, which is a type of investing. I guess, but in terms of actual investing looking for return, I by real estate that I pay cash for, and I put money in good growth, stock type, mutual funds and that's the only investing I do and

and it is, it has been fair. Both of them have been very, very good me over a period of time and both of them come and go there up and down and all that, but that's investing and I dont bother dont borrow money. So in your case you never borrow money again. You made this far. But ya start if you like real estate for buying some roast, I pay cash for it and obviously you're buying roasted to create an income income producing realestate, because we can put a couple on the grandest The EU needs to be made to give you some money back for that investment. Jose is whether Jose is in South Carolina high Jose. How are you going to do? I do better than I deserve. What's up me and my family and babies are now four five and six

wonderful work and aviation industry, gender neutral on bad- and I'm not gonna happen before. Along from this creation of the option of transferring with a company to another base of love. Thirdly, in my family, like about you you're, not sure, like all the experts should be. What do you do on the planet? Airline mechanic Ok, what city in South Carolina are you in Colombia, ok and so there's some?

that regional airlines I'm guessing that has a base their that you work for in their doing away with that base, and it's not Karun of Irish related issues there there is changing their business strategy, a misunderstanding. You write. So it's a few more months before you have to make the decision right about that. We make the distressing UK and after three weeks what happens, if you say, I'm not to go Oh, yes, I say about move day, I'm done with a company. I can take the following week or light for I can decide to go with the company shall, after three weeks the pay stops here I'll catch. You were down there. I thought of several months: Google, you didn't

measures to a couple of months before they were moving now. What do you do when they told him the doing thought we had to make the decision in about three weeks? Leather even now be transferring Argus. The fellow understand, I'm gonna, take the follow how does your pay last only three more? We all endorse about that. It makes sense- don't you show they need you another month maybe I'll, be about three weeks after the Copenhagen do all I can show that means. You're gonna get paid almost two July. If you don't move good Can you not find another place to turn arranged on aircraft between now and then about such a low level? come on abided by their life, an anathema highly fees from, and I am sure

If, if I were you, I think you're making a decision, you don't wanna live up north, you wanna live there, and so I'm I'm not going. And I'm gonna spend a lot of my time as people start coming back to work and of the hiring Frazier start going off I must start landing my self in the middle of some of those places where I can agone landed job in this area. Hang on. I'm gonna. Send you a copy again comments: Coleman's book, the proximity principle. I think it'll help you go to him. Website gentleman, doc download a bunch of the free resources. It'll help you land that job. If I were you, stay right, where you are unchanged. Companies

like for drawing a chimera guise of recall, a triple aid aid through five five, two to five? But let's get real for a minute summer, you're freaking out about your investments, you're watching the stock market and this how old absolute all that has happened with the oil business and with the corona virus, which are related to each other as scared. The death and yet You need to be saving fifteen percent of your income. The we have there are tons of research in the investment world that I have witnessed over the last thirty years. That's

that when you have a high quality adviser that teaches you with the heart of a teacher in your corner. You make a much better rate of return on your investments. Is that because they are light years, smarter at picking mutual funds than you are no there better picking mutual funds and you are the been doing a long time, but you're gonna pick the mutual find their just gonna teach you about some funds that are available, so why is it? People get a much better return, a rate of return with an adviser that has the heart of a teacher because they talk you off the ledge. What I do here, don't jump off a roller coaster in the mill, the ride that certainly, where you get hurt ride this.

Out right it out right it out right it out. If you do not have an adviser in your corner, that has the heart of a teacher, and you know they are the heart of a teacher. Does when you meet with them or talk to them. You learn something and you become more over the years you become more and more and more able to make your own decisions. Quick

and easily, because you have more more knowledge that they have given you. That's how you know you have a proper adviser that simple. So, if you want one thousand, you don't have one click: smart, vesture at day, Ramsay, DOT, com, it'll, you put in your informational, drop down a list of the smart vesture prose in your area, and then you pick the one you want and you will be. You know, you'll be getting the much better rights of return because you'll stay in the market and you won't be trying to time the market and you'll be picking mutual funds that out perform the Essen p. They are there. They are there and they can help. I thanks thanks for joining us, open phones, a triple eight eight to five five too

five Marcus's, whether some Michigan Marcus welcomed the diver amnesia. Thank you so much data and honoured. Thank you. There you two. What's up days, I've been struggling with something for a few months. That's why I called then I am twenty seven years old. And I was diagnosed with chronic pain. Commissioner, my kids then too, we're going under the leads to much for preparing for my fourth surgery and for years, and the doctors have told me I'm not really going to get any better and to hear the twenty. Seven is not great. So I called you today just to kind of you know, I'm just trying to figure out my financial future. You know I'm a social worker. I love my job. I makes it before about hours a year,

I'm very realistic and I probably won't be able to work full time when I have forty, so I would suggest open free thought so well, obviously, having long term disability policy as one of your benefits wherever you are employed, is a big deal, and so, when you get on a group policy, it is not based on your health condition. At the time it is based on. The fact that you work there and I in all the years I have had. I got a thousand folks here. Now Hannah probably had closed another thousand. They have worked at one time or another over thirty years,

and I have all of that time. I've only had to go out on permanent long term disability, both very sad situations and was really glad. We had long term disability insurance furnished here as a benefit, and it doesn't cost a lot for the employer to do it. It's one of the better benefits the employer can furnish in terms cost, some verses, what it provides for the team in terms of protection. Soy number one you want to make sure that in place, wherever you arc, has obviously your anticipating needing that in the future. The second thing is: is that that this just put say, ah an added intensity on new working, the bay

steps being out of that. Staying out of that, so that you can pile up cash and investments in the next fifteen years is what you're telling me is absolutely essential, because, obviously, from a math perspective, the bigger the pile of money you have when you're unable working more having a long term. Disability insurance policy implies when you're unable to work any more n. You know either in others all the other health concerns. Psychological concerns, pain, management, concerns that I don't know anything about, but you're asking me about the money, and so if in your shoes. I'm gonna get very, very intense, probably what someone else might consider wig doubt I'm an obese. It's good, like my whole faint

You know, I'm gonna do these things and I'm not gonna. Let you do not have the luxury of it. Being impulsive, irresponsible, overspending out of control with credit cards. You don't have that luxury. Other people, Europe could recover from something like that, but you ve got to stay away from that stuff so that you ve got a big Pollack ashes at logical. It's very logical makes a lot of sense. I am I dont. Have any consumer demand I do have student loans, but half of my student loans are being forgiven if I stay where I'm at for two years as a Rule- communities health centre I'm really really focused on my stood alone, and I have learned from this insurance there. We do yes said

I've already utilized by short term disability twice. We have that too. Well, I just get out. Your emergency fund needs to be your. We usually say three to six months of expenses, but you ve got a chronic situation medically and so You know you need an extra emergency fund. Good you're gonna be tapping, it is like me. No actually, I have a thousand dollars, but my thought was to put my stimulants check and my emergency fund now yeah baby step to ya? Don't building it up a little because you ve got you ve gotta, you got mitigating circumstances here that are very real and you're going to have. Of regular medical bills that are far beyond what the typical person would have agreed agreed. That's what I mean by chronic and so on Tom, at the pain, the panes information. I am not an expert on that. You probably know ton more.

That then, but the but but the point being you're gonna have some bills coming, and so you know You live in an area where hurricanes come more often so. I don't have a bigger rainy day fond right right. That's all I'm saying and so yeah make sure that you, yet that bigger now and then, let's get those loans cleared in the next two years and then its game, on how big a pile of cash can we build? They'll thing that happens is if you have federal, church student loans, which hopefully this it's not gonna, be the case. But I, if you go out what nor are gonna be gone before you went out disability, but if you go out on long term disability in their federal interested most, they are forgiven. What's your proof for s eye for social security, disability which is permanent, stability then.

Stood alone that is for given it met, Sally May Federal, interested Mondo forgiven. At that point, you have to go through the hoops in its opinion, the, but to get it done, but you can get it done and you need to so yeah. That's absolutely in others the way to go about this May God bless your brother and if I can help you as you're going through this, you call me anytime, I'm here to help stuff tough situation. You got there. This is the Dave Ramsey show

in the middle of these uncertain times, Ramsay solutions wants to give you some hope, for the very first time ever were giving new financial these university free for fourteen day after day, Ramsay Doc, arms like oh, so you can watch from all.

Money is the only thing we talk about around here. Get life changing advise on your career from my good friend and career expert can combine makin com and show, according to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, you can call me show is for you, everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is you were born to do and then will help create a plan to make your dream job a reality. You matter and you have what it takes- join the conversation on the can com and show their more from the Ramsay network, including the current common child, where ever you listened about gas, hates producer of the Dave Ramsay show this.