I ramsay solution, rams region that is now being paid off home market has taken the boy w status, simple, we'll people build wealth, do work that they love and creating an amazing relationships. George camel ramsay personality is michael host. Today the phone numbers aaa eight to five five to two

Five aaron is whether it's in austin, texas, hi Erin. How are you I did? Hey, george, how ya doing today great man? What's up so I've got a question about selling my house me, I'm just take it on a promotion and saw bestowing if in the next thirty days- and I listened to the display so I don't know your answer, but I want to make sure. Instead of using a real estate agent, I was thinking about going it myself, and using my brother, along with an attorney to do all the people, the save and the will to cause. I did speak your real estate agents that border the house back in twenty eighteen, based on the current right now. She had told me about it. The girl that she felt very comfortable lifting the house at at least two thirty, four, I'm sorry, three thirty, and so

I would want to go over that and I'm looking at twenty thousand dollars in the visa charges. You would be doing my brother walked out. I just wanna get you bob on that. Get your brother in law is not doing anything that real estate agent does. when you shall a house, you, typically user total, got me or closing attorney to close the house, and you pay a closing fee enclosing fees, not that much money So you're not really saving about anything that the real estate agent real estate agent. Does it closed the house anyway? They just are the marketing agent and they sell the house for your help. You, with the negotiation, help you walk through the whole sale process. all the details, but when you finally get too close,

usually only term the true using an attorney. You dont use an attorney to draft a sales contract on residential property sales contracts written there. What about this written by age? A lot about profits, though the profits from the cup, but from this old house? It? Don't it's like a six per cent on the profit have to sell the house. Now they get six per cent you're, usually of the sale price of the house. and there's lots of, research out there. That shows that you will get on average, more than six percent for the house cause. You used a professional agent that knows what they're doing and on inside the typical household do but go good high quality reeled herself for more than six percent more than they typical fishbone for sale by owner like you're talking about doing because you don't know what the flip you're doing menu where I stumbled around your pricing just in describing it to us.

So iron. Let's walk through this. If you do for sale by owner, let's say you are able to sell for three hundred, because you can't do any marketing and your hope someone drives by whatever it is. If you get good, real said agent in clean it up stage, it well professional photos emma less listing the whole nine yards. You might sell for three thirty five, which means you may thirty five more on that sales price than if you did selling it on your own, and let me tell you What is interesting, let's pretend, with his first less but and that there was a house next door to you that was Aim price with the same features for sale, with a real estate agent, and your house's for sale by owner same price as the real estate agent house next door. Okay, which the way that you would pocket the commission right? You not sell it for the same amount correct when you put percent, your pocket, if you didn't use roasted agent in this scenario and if that buyer

looks at these two houses that are identical. Basically, are there on the same street or their next door to each other. They got basically the same features: design bryce. He comes and knocks on your door. Instead, knocking on the other door. you gotta know what he's thinking hey I'll, be we'll get this house cheaper, cause this guy's not having to pay a commission, wouldn't t yet and guess what you can't say the commission is the seller and the buyer get a cheaper prices on the commission as the buyer. Both it's the same. Commission you both can't save it so it doesn't end up happening. Is what happens enjoy it in your time on the market is longer your mom prone to make mistakes with the valuation and what you put on the market for the mess

eggs and negotiation are horrendous. The things you leave out of the sale contract that cost you a deal cause. You don't know what you're doing this This is your largest asset, all your hiring when you hiring a good real estate agent is a consultant. The knows what they're doing I don't want you to hire bonehead rules. The agent that got their licence the dead, know what they're doing, doesn't sell any houses that sweet. If you got your license, showing how sweet but you're not really real estate agent, the people that sell you know forty fifty a hundred thousand year. That's a concern. Turn that knows what they're doing there they're worth their money, their high octane high protein and that's how you get after and so on can I'll just just no. I would use a good real estate agent. I've had a rogue state licences. I was not Since I was eighteen years old, nineteen. Seventy eight and arm

it's not unusual, while I actually a real unrealistic company to now, but, as is our internal, is part of our property. Men were process, so I use damn, but they are real estate agents. Do they know what they're doing too? property, for us would also make properties hardly at all, but when lifted. My personal residents, and I sold it last year, the twenty twenty, I listed it with a real estate agent again, I'm full disclosure around the company, but I Keep the commission. I paid the agent, a commission that works. You work for me and also an I know what the flip undoing but I also know enough to know that I don't know I'm not. Every loathing. It's going all out there right now cause I'm not doing deals every day. I do a hundred transactions to you personally, john want somebody that does if ur gonna help me with an the marketing of a hot get a real stage and go to, necessarily go back to your old age gerald age. It might be fine.

but go to ramsay solutions, icon click on ethiopia get one of our trusted people that has a high octane high protein track record interview three or four people. if you're gonna hire somebody in pay em, twenty grand, which you are or ten grand or what you are. You know you would in our view, more than one you know it, you don't get a haircut, you showing your house at trying to say. Big biggest transaction of your life. Probably so this not amateur our out. I don't trust myself to do it now. I've got a pretty fancy camera and I feel I've been in the marketing world, but this is another ball game and I just hired nutrition. Could I have you two, it for hours and probably got it wrong with my wife got electrocuted it all to save on the electricians fee absolutely, but I decided I'm going to let the pros do it and that's how I about poor mounties yeah. I like to see. You tried to go out to dinner, just tied to the door knob and grab the price of per pair of needle nose pliers and have at it

I don't even work on my own cars anymore, which is harder for me than the real estate thing, but I opened the hood. I can't even find the I find nothing when I open my car dave is just trunk space. You mean you can't find the battery nope there's a big open or somewhere. It's underneath just follow the smell. You'll, find it right next to the fire. Oh boy, this is the ramsey show the

while business owners who see ufos, listen up, you've got to stop letting old school financial software hold your business back business leaders who get it no net suite by oracle is the way to go. Nuts. Wheat is the number one cloud ii rp software system out there, and it gives you visibility and control of your financials inventory. Hr budgeting and planning so get everything you need to grow all in one place: go to net suite dot com, slice ramsey. Today, that's net suite dot com, slash ramsay! The george campbell ramsey personality is my co host today. Thank you for joining us america many times. Have you found yourself saying one day when things

about a goal. We have one day I'll be able to buy out one day I'll be happy in my career or one day I won't have to battle with anxiety anymore. Stop waiting around whatever one day as you gotta start right now. That's why we created smart conference. Smart conference is the one day of aunt get. It were tackle all areas of your life in Gaza was face it. We could use that kind of right now, you're here from the nations top thought, leaders, bestseller Authors on money, career, mental health relationships mare? g and leadership. The event will in dallas, texas on Saturday october? Twenty second event are selling fast to the reality, and platinum has already gone. I? U can get generally nowhere. Access passes still for thirty nine dollars. Bestowing authors. World class speakers include rachel crews, doktor john bologna kin, common george camel chris tina ellis I'll, be there our friends in leadership exe.

urge from life church teaching, our marriage, Craig and may grow shale and, of course, we have some big surprises plan to listen. This is already sixty five percent sold out and its in october saw I'm telling you Most of our events are selling out way early right now, if you want to come, I would suggest you go and get your tickets and if you are, if you come, I will make you this promise. It's a day long, I will so promise. You'll leave tired and emotional and you will be smarter for we caught smart conference Our question today comes from blinds dot com find out for yourself. Why blinds dot com is the number one online retailer of customer, no coverings free samples, shipping new promos, all the time you'll see. Even more use the promo code ramsay to get the best, possible deal today's question: Comes from rick in rhode, island, I see many multi family, real estate, investment groups on linkedin and other platforms, men. Require a minimum investment of thirty five thousand dollars. Smile

standing. This investment is to grow capital needed to construct or purchase apartment complexes or condo type housing. The pay outcome at a predetermined Point in the future. What are you thoughts and investing with these groups and how risky is this type of investment. in general. There is a huge spectrum of risk. To give you a general answer, all away from your crazy is crap never do it too. Probably very low risk is probably a good solid deal, so the the trick would be. How do you alleviate their risk? You ve got to do a lot of due diligence on the actual, people do in the offering ok, Some of these are structured as what are called limited partnerships. You would be they'll pay a limited partner, the general partners and control one hundred percent. The amount of fees that they charge for putting the altogether front in Back in

going in going out handling the renovation whatever it is. We're gonna do the property management all that kind, the thing. The fees that they have they charge can be deployed. did you lose your shirt? Where you will? You know you make almost no money, but thirty, five thousand, and yet there is one thousand three years later and that would be like a waste of time for the risky to just about made that stupid bank account right show. they can be very risky if the general part or doesn't know what they're doing or if they loaded with fees. but there are many of them that are operating the do a great job. And you know I've got Don't do this kind of thing, because I only by I don't do partnerships, ship, they won't sales of partnership, so I dont get in partnerships and for sure don't get in partnerships I have zero control. The someone else's controlling my destiny. hoping it all? I just hope it only scares the budget these out of me, so I don't do this kind.

Thing, but I've got several wealthy friends that have that these things in thirty five, two hundred and fifty thousand bucks a pop They put money in their making good rachel return with proven track record journal partners or how restructured the operators the trick, and whoever is operating the deal and, of course you know them Get what happens with multi family as it as it picked out in that is going too far Here's what makes any money! I don't know, I have no idea, we don't know rick's financial situation, but who is this right for when the long payment authority, five thousand dollars to burn your hundred percent debt, free house and everything, You probably got a million dollar plush net worth a your retirement is more than covered in your continually putting that an You certainly won't have any dead at all already mentioned that wants. since this was high net worth people with our debt free and make a lot of money and part

Five thousand is money they could lose. The roulette table in wooden mission That's the only way you should put it in its not on, operate investment for someone other than that, and it's not a get rich quick scheme not now, what are you looking to make about again? Is it a hundred percent involved? no not if you're, not a few shipments from cash, and you want to play a play with some of that cash, but check these people out, because the spectrum of because all away from awesome? The sucks I mean it's and not only the deals, but the people run in the hills and their level of integrity, their level of expertise or level of competence. All add and, and that same thing goes for those at the real estate, investment trust, which is kind of like investing a little bit easier to check and a little bit more buttoned up on how they're structured it's kind of a next thing that does it's gonna fall under managed with the assisi and then

It does not manage this. No regulation not regulated as well as tightly here. This is more of a uniform of all boys, get together. Bonaparte complexes a little bit pass that, but not much do you know and you know one of the Gaza probably managers- they put a little together that kind of thing, but that's that's the basis for the idea and yeah. You can make some money and some of those symbols legitimate deal. Some not saying they're all illegitimate, nothing more, that they scare me anne getting in and out of a large piece of real estate is not always something you can count on so long term play it like it could be that you know. Let's, let's pretend that you thought you were flip at in a year because of markets, white hot and now you are today in a recession, show you are not going to flip in here. And so you are now. I can't I have lost my money, but I can't get it out. It's very a liquid. So anyway, interesting play, but only if you got the money to burn at bathing place. You do something like that and I

Don't personally do those- and I gave you the reasons why are at janice's with us in grand rapids, hi janice? How are you I'm fine thanks for taking my call sure. What's up My good recently passed away in them, I am I received some money, One language from childhood was from showing this home, and then he got like this Seven thousand full of life insurance Can I just wondered what I should do with the money I was thinking about, paying of my whole all, but the eyes stepped on yos, trying to say I'm sorry for for your loss, and I didn't hear your number two: when did he passed away? I'm just this pledge genuine, he had covered pneumonia. Ok, now, I am you got fifty seven thousand from one thing and what was the other figure on the net you. Two thousand was the home, so I know I won't have to pay any taxes that money. Now you probably won't you right,

your basis- and it should be Your name is not on the date prior to death. Right now, ok, yeah you gotta, stepped up basis. You shouldn't having taxes on there, so I got a hundred fifty grand basically annually. your question than about what to do with that is, is whether to pay off your house. What video on your home seventeen? given the other debt I may be have like to I was credit card that might kurds are paid off my head? Phoebe. How much you haven't savings, I'm about thirteen thousand entreaties, ok, they're, all area, an emergency fund I get the eight years old. How much is in your retirement accounts, I foolishly I haven't, I ah, but that when you have your work for one kay yeah and I went into it as I heard of Does investments made lasts all my money

I have nothing right now: in retirement if you pay off your home, you're gonna, have to use the old house money they how spend money to regain your retirement and build it back conservative late nome or games, no more, no more, how rich bats right correct? Yet That's what you're going to do then yeah. I would pay off your connector with a smart vest or pro on a website as well, who can help you make some wise decisions with your future income and the rest of this money yeah exactly this is the ramsey show the

the campbell ramsey personality is my co host today in the lobby of ramsey solutions on that free stage autumn is whether say autumn? How are you I'm great? How are you better I deserve: where do you live? I live in river falls, wisconsin, which is outside of the twin cities, yeah great welcome to nashville you and how much debt did you pay off? I paid off twenty six and half hours, then in thirteen months. Alright, I love it and what was your range of income over that year? It was sixty five to seventy three good. What do you do for a living? I reckon member communications, but I also added serving and housecleaning to my resume, whatever

the side, hustle girl. Why do I like it? for years, one paid better. they? Probably the house cleaning the doubt about it? Do that's all and twenty seven thousand dollars worth of what kind of that the student loans. It was all of you. victim is always the door on. The here are called landlord: hey put: thou woman alone. their degree- and I was in business, administration and marketing cool good for you well done- are you Twenty eight now road, she watched this journey thirteen months ago. Yes, so actually, I had initially tried to pass maintained a couple years ago and it was going great and tell I just found myself completely struggling with a mental health crisis. I'm somersault like I couldn't even make it through a day without work without high my mom and crying, and I'm so decided. Best thing for me to do is actually quit my salary job, and I went back to working full time

the gas station and that just allowed me in the flexibility to be able to kind of free, sat and find something that I could talk to learn. I spent eight months at that gas station, just focusing on getting better and I finally landed the job, but I have now and to be honest, I kind of drug my feet a little bit. I think I was afraid to commit to the plan, but ultimately I decided that I needed to finish my journey, and so I totaled up my remaining debts and the rest is history. Boom show you met with somebody and got help with anxiety or depression or what I was actually struggling with obsessive compulsive disorder falcon and the gas station just gonna gave you some mob. Even gotta. Keep in neutral there you don't have to keep down gear. It was like. I needed to do something different, so that kind of gave me the freedom to be able to just reset, and you know not focus on work or anything. I could just not a high stress job yeah right, I get robbed or it didn't happen so yeah. So do you find the

connection between becoming debt free in it, helping with your the mental health peace, yeah honestly like today, I feel like I've kind of completed to journeys and you- and it's really emotion of because I m a kind of the principles, as was like baby steps through the mental health, but also the baby steps in the programme and seldom I was just standing here today. It's all the sweeter. After going through that man will most of the best transformation is incremental. So that would be true with both of these things played a guy you're like a double hero. Yeah, you conquer. two three way to go the whole new autumn. Training in front of us is also now yeah- I was gonna say how does it feel appeals to me thing really proud of that? his name cup become through this process, should be And they were proud of, you think well done or your biggest cheerleaders. Ah me wonderful family arsons, like she's going. I just want to say that my parents have can, with

if you're the best and the worst- and I cannot hear today without them. So I am very thankful for others. Fort was very grew, very cool god, good undergone. Yes, you can you can when both of the cat and yes, I do a lot and you did when both of them ottoman just curious. Why didn't you just wait for the white house too if you're still amongst you, went to all this work. I know what I listen. You dave and Davis like you know where it is probably not going to happen, and so I'm, like you know it putting off for tomorrow, but I can get done today, and so I don't want, you know, spend my life just waiting in limbo, so I don't have any risk regrets withdrawing it now for each new as good Won't you take control of your own life. There is something about that cause that way you take control of your own life. It's amazing how that works. Yeah well done! Well done. What do you tell people? The key to getting out of debt is honestly got to have your I've had a moment rages, decide where you're all in

I think for me. I was just afraid to have that moment, but I realise that what it was freedom was actually waking up five years down the road and wondering what would have happened had a cha started that day, what kind of the motivation that they needed to just get done, when you are, when you gotta go all in the furious. What if this done work gap that scary, that's a scary part of it and and What you are facing on the other front, that's a double scary, show very cool, very good just like you, had some good help yeah. I did ya now very good good for you good for you, what we ve got a copy baby steps millionaires for you. That definitely is the next chapter in your story. Without that's where your headed and copied, by of total money, make over your bill to give that someone is inspired by your story. At least the money pc your story, so we probably got a john bologna book. They'll help you with the other part, yeah it'd be good yeah, and I will give you also a one year. Membership too,

financial peace, university, Scott, the new videos in it was george camel and rachel grooves doc. John polonium me best. must we ve ever done on fb you, you it's good stuff so before you go through that, if you haven't have not given somebody, so It's all just for you to say thank you for making the trip here and where He proudly, you think you know your mom and dad our and your friends are in europe. There are pushed her bare by sharing your your euro. You're fun person uneasy person to tehran, welder hero, very, very well done our its autumn. River falls wisconsin twenties thousand hours paid off and thirteen teen months, making sixty five to seventy three canada: zero that breach three two one

This rule good stuff- I mob this for thirty years and I'd never cease to be impressed with her The old saying discipline begets discipline healing in one area of your life begets healing another area of your life. How many times. Do we hear an overlap? if someone lost a bunch away, while they're getting out of debt, someone's marriage was healed while they were healing their finances. And in her case she was walking mental health path. transformational path and arm. And then simultaneously somewhat of an overlap. Not a hundred percent simultaneous but is

lapping the other area of healing. At the same time, there there's something. I think, happens is our confidence once we go, what I can do that. Maybe I can do that Secondly, there maybe I could do that, there is a failure and I can rise above where I'm met right now. It gives you power once you have some incremental progress is where the baby stir this. Rather that's noble work. path, the little one we got one And although men with enlargement- and you know it build, your hope hope is powerful elixir, which her dear we talk about, focus, intensity, overtime, multiplied by god, equals unstoppable momentum. Focus intensity is who is what the baby steps are in its what it takes to improved or marriage to what it takes overcome addictions and we that time and time again that free state where they go david change. My marriage. I even realize it David, our overcame addiction while getting out of debt, because I was just so focused on this- over here. It's amazing, the transformation that happens across every area of life.

five times we deal with someone who, as a part of their dixon recovery decide to clean up their money, or I clean up their money and let him do addiction, recovery or mental health challenges or relational challenges or career changes this idea that something about once you decide. I am in control of more than I was thinking, and now that I see that I'm in control of that oil be probably more in control of the other thing mike over here and I'm gonna do that, and so she now she didn't adopt the victim status of I'm gonna, wait on Joe Biden to pay off mustard lunch, and I want my life back. I want Sally may out of my life with a thread. Is you if agency over your life, that's it and until you believe that your life isn't going to change because you're going to continue to have things happen to you. Instead of you happening to it

vague paradigm shift for a lot of people to make, but it's life changing once you make it agency, that's a good word ages. An old timey word David thought: you'd enjoy that you need an agent. You need a new agent, you you're the new agent. This is the ramsey show the

the george campbell ramsey personality is my co host today. Thank you for joining us america. We're glad you're here open phones at triple eight, eight to five five, two, two five craig's in Jacksonville Florida, hi greg. How are you. Good, sir, how you doing that I better than I deserve. What's up- Very good energy varied its honour, those bombing legion. Sorry, I'm a little nervous. How can we help? I heard a quick question. I was trying to figure out. I guess how I would stay motivated darnedest baby steps to I've been

to you for about a year, draw your youtube videos in bonn, cats and act showers into some videos, for I called you today and that's what encouraged me to call I'm currently again work on baby steps to I probably paid about thirty five value added, sixty thousand dollars you that so far way to go and unjust kind. hitting a emotional, like mental and motivation, speed bump process. Why do you think that is No, I just have a bunch of stuff for my mind. What the career path I have family issues going on my health and everything's. Those things are just gonna taken at all. Over this whole year of grinding outdated debt, a journey that I'm one what's wrong? Your health

why? Why happy as depart failures in job? In truth, I was can be safe from the thirty years old now, so that in that that did not change the oh, no sir what's wrong with your family my mother and father, actually have split up now kind of working their relationships. That kind of calls to on everything could I actually what family member because of the health issue? I have some day with one of them. I at my grandmother's out. She bought the house when my only mood in florida and I've been staying. Marriage in your parents are not. In your opinion, space every day, but there going through their own crap right they are, and my father tends to usually as it large long going through what I'm going to and some time to carry out.

And then he said, you have a career path issue, yet currently a manager at a local walgreens. I work when I make about thirty one thousand a year and I am glad to have a job, because I will work, no I'd, never job before coded in them. I switch back to this job so and I'm just gonna not really happy on that because of the amount I lake, It has got me through the earth year. Me pain, my at that I had but I've. Yet I felt like a slow. How slowly the motivation start you hit rock bottom, not make sense yeah cause yours what's happening. You feel like this jobs happening to you you're not happening. Did you feel your parents, mass was happening to you, you're, not happening diet and the heart there happening to you, and obviously you can't happen- happened yet to control that one button, These things are, controlling you

they cause your allowing them to. Yes, sir. The parents mass and your job mass. So you have the here is the it's hard to have a sense of power over your money. When have a sense of powerlessness key relationships and powerlessness in your career. Yes, sir, they they it's. You know coz, its second, what confidence you you gay little confidence over and the money thing like you thirty thousand, it's really good, but then again it's like you're dead, mom come along with confidence, syringe and remove it craig, how long it would take to pay off thirty five I actually started last July and that's including marking and my job at overtime inside get here, and there did. You believe in Nothing! That's impressive! Now are literally Every two weeks I literally live off a hunter.

Fifty dollars and being the right right. Indeed, literally. On the hillside, that's something you ve gotta manage! That's always is not something we can just fix overnight the parents, hide, it may require boundary with dad and a hard conversations. I dad listen. You, find a good their press accounts or who can help walk you through this? I can't be that for you, the career side, you can go, be a manager somewhere else. You can start applying today and probably make way more than thirty one. and so, if you have that pepin your step gone, I mean control. I can do this, worse case. You're doing this for one year longer why'd, you start the baby steps to begin with. Guys. I wanted their financial freedom. I remember not having any haven't money in the bank able, by something I wanted not go. You know, take like a car came running out budget having that financial freedom and not that burdens

you know what the problem with a free book is nobody region, because they were free, nobody paid for even pay, for it, but I'm gonna, get you to free books anyway, on there scared that I can get you to read them. I'm gonna, give you a paycheck to per back in common. so you get up on top of their careers and you start happening to it instead of it happening to you, and I'm going to give you on your past change. Your future from John bologna, show. You can begin to have some tools to work. With mom and dad and say I love you, but I can't fix this. I am actually the kid you're. Actually, the parent, I can't fix this and so only the strong and can help the weak, and you are not strong enough to carry your dad right now. Show him being using you as a crutch, he's got a rubber She's gonna hit the floor,

Shall I and your both going down you, you know you ve gotta love him, but be carrying around his stuff, you're carrying around all of his burden system of him carrying them, and you feel stock over at the job, because you hadn't done anything about gettin unstuck I'm gonna give you both books and there are two different things, but this all comes back to craig you taking power you taking georgia's, were agency over your life in these areas and when you do you're gonna get some energy back for getting out of that, but I now you got these tune. Three nights it if drains is pulling down. While you got one area, your being suggest buoyant, that is difficult for anyone, my man Well, they haven't been added one more gift in case you get sick of reading. Greg, I'm gonna, send you financial peace university. You can watch those videos. It also will include every dollar the premium version, so you can make

plan for every dollar come in and attack this debt asked her because I don't want you to have to sacrifice longer than you have. You know, that's good in getting trot. I found one of the financial peace groups in your area when it get connected. Writs gives real to human beings in the room with you who works, I did that allowed that'll. Be that hold you accountable, then uncle of winning but they also in the other side, are gonna love ya, and just say, hey man, you know you can do this, though, incur encouragement, accountability. We all need in areas where we're struggling, so yeah, we'll plug into all of that. So we do but gonna load you up with resources on because it's easy term too, this meeting is coming at you that are wriggling power in so many different areas? It's easy to feel powerless The interesting thing is you're, not that you can, decide. Today, I'm not carry my father stuff around he gets to carry don't stop!

life, no job him and I know, is hurting, but I can't fix all that. I'm gonna, let him carry his own deal and here's your backpack, and I don't want to be at this. Oh yeah, there's walgreens John, were shot john talks about that, all the time, the bricks and the backpack that carry around from other people, putting them in there and are wondering why we can't even crawl. That's exactly what is it you're, not exactly what's goin on here so you can do this man. You really can, and if you need more help, you call back in time will have to talk to you in you can call me a colony show the area from one to the career side. well always tell you the truth, but he's gonna hear it and you don't want don't have we'll physically physically feel great because of the heart thing going on my triple hard defy through the other stuff, show some mental exercise of tough and mental toughness for you to move through these other areas. trolling, the things you can control and then

We start to move for you and let go the rest. That's exactly it a thank you for calling sir hang on we'll get you all those materials out to you and try to help. You any way we can that about, puts this particular hour in the books, our thanks to Austin, benzac, andrew and james and kelly in the booth. I am dave ramsey, your hosts will be back the do you love a good day brand want to see the latest ramsey show videos going viral check out your favorite moments from the ramsey show on youtube, go watch and subscribe to the ramsey show channel and the you enjoy this podcast. You should check out other great podcasts from the ramsay network like ramsey, everyday millionaires, ordinary

people built extraordinary wealth and you can too an everyday millionaires. You'll learn how millionaires live on less than they make avoid debt, invest and are disciplined and responsible, listen to everyday millionaires wherever you listen to podcasts, hey, it's james producer of the ramsey show. This episode is over but check the episode notes for links to products and services you heard about during this episode. Thanks for listening,