From the headwaters of worms you solutions broadcasting from an armored car rental studios. It's the day, Ramsay work that is done gauges king in the fate of all mortgage, has taken the place of the Bmw status symbol of showing. How knows you guys heard or not, but we're in the middle of the corona viruses pandemic? I guess that's why epidemic and under state again like I've been known to do: yeah I am a glass half full abundance. Anger based person, some people

glass, half empty, scarcely based fear, based people, and you need in your life, because it keep things about Sharon's more of these scarcity. Fear based. Kirsty oriented anomalous like Jack, you now, and so I dont and under react to these kind of things, and she tends to overreacting these gatherings in your work, The two probably we'll make more of an optimist, more pessimistic. You need both both in this world. You need both in your life. You have attributes of both if you want to have wisdom and so some of you are completely going crazy in over reacting in hysterical. And some of your under reacting me as an example React all the town his cousin of just cause. I refuse to be fewer based. It drives me nuts, and so, when I get angry instead, I just want a punch. This thing in the face and and I want a new people that are fearful you to speak. Just makes me angry chasms, already angry so and

more people than with our angry people when they get even more scared it just as a dead guy mass So here's what happens now sound Robin this morning- and God knows- I'm going to give you a metaphor: Hoopdriver, bigger raptor, one of our cars and its and drive it really fast, all the time and so on women. And there's not much traffic because its spring break incarnate irish scroll of ours, and so they got the interstate myself just about except for a couple. People my way, which some people are my way in some around a great change lines. And I'm going to see this portal previous over there are just about. In a previous hawk and unswerving in my my we recall, is navigation, stuff, go off and screaming and in an instant I realized he was there and courses raptors a big, but truck upon these big ultra wheels wheel up to career

back in the lane. My heart, so fast, I'm almost killed. I guy me too broad, but you know, and been wishing for virus. You know I mean it terrified me, yellow and talking about when you almost every car reckon you broke out Nicole, sweat run over there. I just about and don't want I've willpower to correct back to the other line. I over corrected in my feet, and almost t boned wall hurried talk to us like her boyfriend Mamma. He said that people over correcting flip cars cause worse Rex, oftentimes than if they did just hit the car, because when we get terrified we have a tendency to O. Correct. We get angry. We have a tendency to over correct so view out. There right now are over correcting yeah there's. Not just about a wreck

It was a real threat. There is a real threat out there right now, but toilet paper I have read several articles on this virus and I dont see dysentery is one of the symptoms, toilet paper really nowhere in the articles I read those who say that the water system is gonna get destroyed. Why people buying out all the bottled water aren't you buy an alcohol? If you don't have a party in cases of bottled water. I do not it's so that tells me you're overreacting, you're freaking out, as what tells me- and I do it- Rather this morning my heart was beating my story. My throat outcome clammy, yellow urinal, the physical effects of fear or anger in other the same by the way we just choose to name them, fear or anger. Psychological study indicating that. Something to think about guys, don't over correct,

So, if you have a real thing, don't hit the car, but I ll get the while, on the other side right and so, if you got a real thing hate your rest, worker you're, an airline worker. You work in a hotel. You got a real problem right now. You can read. I have no money coming in and you got a real thing: there's a car and that other line, but don't were correct in cash out. For a one k, just cocoa. Part time work and and stop here. Stop your baby steps, just pile up cash, if you're in the middle of baby steps to- and you have a real thing, there's a car and none of the line you're about to hit em, don't over correct and hit the wall in cash out here for a one k, just tighten up the budget, lookin sale What can we not do, which is most of the crab? We were doing and lets take care of, four of our house: food, shelter, clothing, transportation, utilities, let's dollars, again and whether this storm, but if you over

your tea bone into the wall on the other side, because you became angry or afraid, your glass, half full glass, half empty fate, verbatim anger based you're, an optimist, a pessimist. You can scarcely are abundant. You could put on whatever spectrum we want to put it on, but you're still gonna end up. Analyzing these things through your natural default mechanism- and I just told you what man was admitted it right here, eighteen million people and sought over correct. You take her yours, too. You gotta be right, now in the middle of this number one. You have to keep your perspective and all you keep your perspective is: where will house prices be next fall? Where will stock prices be in the stock market time next year. Do you really think around his gun affect either one of those twelve months from today? If you do that, just really foolish, a trifle wish is going to affect them in The term absolutely already has organized They tried or you're an investor

The money right now, anyway, you're just freaking out my friend Glinda older, bipolar money out of the market. This morning, glint shut up. Stop that I love you you're stupid. Don't do that! We're been friends along Camp article n stupid. He calls me stupid to buy one took it were it's a friendly, stupid thing. Let me show you don't do that! Don't take your money out your stock market and don't know over correct and hit the walkers. You almost at a priest near the lane dont over correct, then quit your job because you're afraid to people at your job and wash their hands that stupid that, because by large, this is not a fatal virus. Unless you are a person of at risk due to medical conditions are age. Ok, this and by large, this virus hates eat? And so so is it gets to seventy eighty degrees in your area. There's gonna be gone. All local people are telling you this topic, Doktor Manny Up Fox today.

Don't morning shown you shouldn't, have green room react about, he said July to be over, probably it'll be overhauled places in Tunis we make as it also hates humidity, and we ve got. You may remember, we re import humanity, we export humidity. We got some humility here, so you can be ok, you're gonna be ok. You're gonna, be ok. Now you may need to tighten up on a short term. You may need to stop your baby steps in the short term. If you got a job problem it's a reality. I got nowhere with that, I'm not gonna miss with your call. Your worst or such like that for that, take care of business when you got business to take era baby, but don't freak destroy your long term, because you go short term problem, don't solve a short problem with a long term disaster

Don't do that! Leave your money in your forum, one guy gets some extra work, get your budget down to the four walls, food, shelter, clothing, transportation down over correct just cause. Your heart rate went up in your terrified, like I did this morning. This is that I Ramsay show Switch your cellular service to peer talk, USA and save money. Jasmine from main said, I heard about pure talk, USA from Dave Ramsay Peer Talk, USA is the best cell phone service. I have ever had folks all of pure talk. Usa plans include unlimited talk text and that and no contracts try risk. Today call pound to fifty say the key words Dave Ramsay and receive fifty percent off your first month. That's pound to four

The key word Dave Ramsay. Thanks for joining us, open phones AAA eight to five five, two to five gives weathers in Michigan Miko area you're on better and I deserve date. Nature gave her my God, my honour, sir. How can I held a while ago? where'd. You learn more Egypt, but hang around my neck, like an old albatross search around two thousand You are separate abortion but I want to keep our son. I was deaf free up retail down, but the along an odd attack. This more do you can get a paid off and effectively and not a despite European, like get your opinion out of it

Accurate, I've, gotta I've got money market. That I've been not cannon for money and over the years and not I've gotta. Awesome I raised as well, but I like to know like extra money out of my I raise and my money market or do I just stay, the money market- you get it done seo about sixty three on it using your money market a little over two hundred. Yeah, twenty thousand dollars in your money market, correct, right, a chart unbundled your mortgage, I'm sorry, sir! Don't write a check and pay off your mortgage. Ok, I just I just didn't monarch that deep waded through bad, give up one or two hundred and forty break my heart. Well, I just did not by maybe takes a monitor, yeah. My retirement know, I only know, will take another money market and listen

the Hague, not having a mortgage and you're scared with only a hundred. Forty thousand, you not, I got a mortgage later, but I wouldn't do it I'll get you I just one you're not Monday, and by the end of the day I would be dead free. If my name was MIKE in Michigan are Jeremy is Witherspoon. Tennessee high Germany welcomes Abrahams. Russia has again better than I deserve what's up. Well, I have a delivery business I pay I rent. The ban are used for my dad. That day, eight months for that. But I can't understand it straight to my dad. I can't get a tax, I can't get it from attacks a hundred a month, yeah diameters other, it's kinda thing here

J Ram, forty five hundred? Ok. So so tat body already reuse. That it for a while but want to jog came up. I made a deal with him then, after the eight hundred also includes insurance as well as my question was. Would it be better if I bought a ban in lower payments in I look into it and I can also yet if I bought a day- and I can also use that in my tax- we'll never never make business decisions for taxes, make good business decisions and then take the tax write off that it creates whatever that is, but dont go. Oh, I did this because a taxes that almost always indicate you made a bad call because it means you ignored other things that you should have been looking at: we're not only for taxes or doing this too. I gotta get rid of an aid under dollar payment and then get a five hundred on payment and own it, and

and do the same job or four hundred dollar payment or whatever, how much money are you making and made for the for Jack, knew nothing about fifty. Fifty thousand a year, so forty eight hundred bucks a month plus my modest taxes, minus eight hundred modest fuel and repairs, yet so you're making thirty. Yes, I'm not sure I would go into Delmar fact, I'm positive! I would not go into debt to own a business that made thirty thousand dollars a year and by the way, doesn't make a dime. If you don't drive it, and so you dont really on a business. You on your job is all

So what's the van cost, my dad paid for a used, I believe you paid seven thousand for it, seven thousand dollars. Yeah? You got again the affair, and why is it eight hundred dollars a month, then he toes he'll like Sudan, that I got mild on it. I'll show you by Van for seven thousand dollars, I don't know if I get by on my bed. I'll bet you're good right now, there's was I mean, like people are freaking out and is a great honour botched up, had money. I don't really want you own, I mean! I know I don't want you going thirty thousand dollars in that for thirty thousand or your job. I am not sure ongoing dead at all for authorities of our your job, but

If we could get you away from an eight hundred dollar payment, it sounds like you have a one hundred or two under dollar payment: yeah yeah, that's a move! You wanna make tech with taxes, six hundred dollar swing. Much more targeted. Eighty percent swing in your in your profitability here, yeah yeah, that's that I just ran way too much and saw a letter. You have it back since he likes it so much and I get go. Get you another one, that's what I would do. I thanks for the comments. Open phones, triple light. Two. Five, five, two to five. You jump talk about your life in your money. It is a free com, at C is in Alabama high Nancy, our? U I thank you for taking my call sure. What's up.

Well, all my husband and I we are in the process right now of trying to buy a retirement cartoon order. Here we were gonna pay cash and, of course, in the last week we have lost about five hundred thousand dollars. In our portfolio low you haven't written Charlotte well that that's true value when the jury and sell it, which tells me that you ve got a million dollars ride. We are told. You know that you're totally unaware

yeah. We were actually on your a millionaire female a few months ago. Very cold. Congratulations shall watch. How much did you have in the market? We had. We had a network of about three million. He. How much is the combo two fifty awesome? I love this and what your question will be. I guess I have been getting a little bit of it. You know cope. Eighteen not sure if this is the right But this is the right time. This is the best possible time, ok and low ball. Your offer cause you the only one Megan offers on retirement gone. Doesn't blurred arrived at on an area? also stand on the side of the road look like a beer and the headlights, one on one they're gonna get it by truck. This is the time to back rap like this absence. Yet you a d, although I mean It was worth a month ago. It's not worth right now, because you is a cash.

Your closing in the middle of virus city, who take advantage of this crazy time right, there's gotta be some good come of it right. Well, yeah! I guess one mixture when they came to the city, but here's the here's. The thing that question is not the way. You answer the question. The reason I'm so sure, as is where are you? Where is that and I'm gonna be. How are you are you what I'm fifty my health and safety to all your junctures? Ok so where's combo gonna be in value when you're seventy instilling joining. Would you regret this decision? Will wonder what scenario would regret. This decision then I I don't think I would also do so legal economic scenario, short of total collapse and China over the? U S and were all

having to learn new languages. I mean the entire economic collapse would had to occur for this to be a bad decision. Twenty years from today, there is no twenty year period in american history, in which this would have been a bad decision. I make sense, Yes, that's what I'm looking at it, and so all this anchor bodies feeling right now, when you're, so on three happening in dollars. This is when you expand your fortune. You get. You know you get a five hundred thousand condo for three any clothes on like thirty minutes when clothes on a Friday with cash, but I want a deal and I know I know I'll throw our fears are close on a Friday. I know I'm gonna buy your condo you're gonna be scared. You are in the driver's seat, baby girl, maces all eyes. Is this but ever amnesia

Over the years I have seen so many families suffer by not having life insurance. It's not that I didn't care, it's just that they didn't know, so they did nothing. Huge mistake: listen bones and wives moms and adds think about it. You died. How is your family pay the bills, the mortgage, food and plan for a better future

This is what life insurance is all about, and term life is the only way to go. It's not expensive and it's not complicated. I only recommend Zander Insurance and I have for over twenty years, call them at eight hundred three five. Six forty to eighty two or get instant quotes online at Zander dot com in the lobby of Ramsay solutions on the dead, pre stage, Travis and shall be are with us. So are you better than Dave? I love, and where do you live or land forty four, I'm fine good, for you are welcome to Nashville

and all the way up here to do your dead, Frisco yeah. We got a nice nice corona virus plane, ticket discounts, much was the ticket. It was like ninety dollars round trip for both of us here and if the dollar's round trip home, why love very cool, good, bye, yap, very good enough? An empty shell, you're gonna enjoy yeah our eye. So how much are you paid off hundreds twenty one thousand two hundred and four dollars and eighty two cents I'll longer this take you thirty three months for you and your range of income during that time, started edge, showbiz income at fifty thousand, and we worked our way up to one hundred and seventy five thousand last year. So you joined in, I did the hundred and twenty one thousand dollars and what kind of that student loans, all all of while shooter Story what happened thirty three months ago? They got their started. Well, it started you.

Produced to me by the guy, was living with in college. I was renting mom, he was an old cheer coach and does so I took them measured and I loved you right away. I always hated debt as it was cries out, credit cards were stupid, and so then I told shall be that this is exactly what we're going to do and we were marriage and I'll. Let you out her tell you how well that went over. I said no, no way, no we're not get married. So then we eventually move down to Florida. And that after week, both graduated and I'm driving. Oh, I gotta teaching job I'm driving home one day, and you say you guys are act, you're married. Why don't you just get married? So I was like that's exactly overdue and were actin like we're married and we're not married so Oh that very next day I went bartering

I was listening to the park as undesirable. She said yes, yes, she did and after we got married, that's really started to taken into gear. When we were what would happen on, she got shit job, and you didn't thing was that, like right after college, you got the job Yes, so I graduated first, so I'm ok and then, when he moved down doing what we all do for a living, I'm an occupational their best and our teacher. Ok, Now, once you got married and you got this great income what what Shall we met you? Should ok, let's let were most of us get out that what made you come around I think I really seeing how much I made and then still not having money, what frustrating yeah also said a few days later. You're after I told her what we're doing you said now, you got your approach and it all wrong. You gotta,

it's on the why she she doesn't want you to come in and tell yo we're doing this this in this. She wants you to understand, or you want. You need to understand maker, understand why dream together and that's what really got her on board. I think bird grew worse oh you guys you. How old are you two and twenty seven and twenty eight You are bad Bremer student has re was worn by our views. Probably all over your biggest cheerleaders, probably of nature. Probably sister. We when I got all gone, about this? A couple years back, I was telling everybody about it most ever is that your lackey and most everybody's just shut me down, and my sister was like, while you know why you, this is actually probably good information,

and then she's competitive, so she's? I come out on you pay off your loans before older regulars, Don yeah. She she finished, I probably a year or a year and a half before we finished, but she had an eight year had starts. I always reminder of the taxpayer. Failure the twenty eight year old, millennials and non big fan millennium here listening to show an you paid off a hundred and twenty one thousand dollars in thirty three months. You gotta know that as people within your age group or people than any age group that that's very, very impressive and very unusual. What are you tell people? The key is because you ve done a very unusual and wonderful thing. How did you do I mean the first thing for me was just her not compare myself and where we are in with other people has. When I first said no, I was like I want to travel. I want to experience all these things.

People. My age do and so really thinking together about what- future is gonna, look like instead of what I want right now to look like. I think I've never had to sacrifice as much as I thought I was going to when I started this, nor as much as I thought I could have, and I think it set me up through so many other areas of my life to be like you know what I shall I did that this is. This is not and I can work out plan for a month. I went thirty three months without going anywhere sound working every night to the other. Something about discipline, begets discipline and there's something about what you learn that if you live like no one else later, you can live like no one else can give like no one else. When you get that doubt into your emotions that ability to delay pleasure, it applies to life. Well, it really does you guys are. Very

Russia, show honoured, make you very very well done around or to meet you to act alone and thanks for a braving the corona virus, Crazy museum and appear from Orlando to see us, and we really really appreciate your joining us very well done. We got a copy of across slogans book, every day, millionaires, because you are on your way, baby, that's less than a decade they'll be with the numbers, are given me, you're on your way, ass, ugly, very cool, our Alison, shall be Orlando Florida, a hundred and twenty one unilateral road, Alban, thirty, three months, Megan fifty to one seventy five counter down. Let's hear it British three line. That's how it's done. Dawn was baby. I love it

managers, fabulous right there, so beautiful so well done Our question that I come from blinds dot com or the satisfaction guarantee means. Even if you miss measure, you pick the wrong color little remake your window blinds for free, Amber. North Carolina Day, my father recently passed away in November, I'm so sorry at the time of his passing. He and my aunt head. Taken out alone together. Four hundred sixty thousand my kosher alone there and sister, or not trying to push this loan off under myself and my two siblings twenty three twenty and eighteen respectively. My father did not have enough funds to create an estate, or we legally responsible for this loan being that there is a close interest. Living you're, not legally or morally responsible, and tell your grandmother and your aunt

that I said so and they should go, be grown ups. They kosher alone. You didn't, you did not get date. If you got a million dollars in a cd yeah, you go back and clean this up to help the family out, but you can get nothing and debt is not inherited unless you're done enough to Co. Sign it like his sister was so she inherited the day Yet another reason not to co sign alone. No, you are not liable. Twenty three twenty eight ten and the grandmother in the annex to dump it on you guys. Somebody needs to be smacked in your dysfunctional family. No, no! No! No! No! No! You do not pay the slow not morally, certainly not legally obligated under any circumstances will get under circumstances. It you'd an outline here but If you promise you are received a million dollars. You ever go back clean up the one sixty that be nice, but you're gonna, be you got nothin. You said

I've, no state. He didn't have any money and you're supposed to take on his dad this is the Dave. Ramsey show

one of the things we found in our research from people are investing. Is that people who have a high quality broker in their corner, like our smart rest, reproached the teach you. And in crazy times like these, when some of you become very, very fearful and others become too greedy, you're smart, restroom. I'll talk to you off the legend either occasions is now just stay. The course daddy wins the race, steady, wins the race, steady ones as no one gets hurt on a roller coaster, except those the jump off. Steady, wins the race This is a buying opportunities. Why not a shilling opportunity, because where will the start more in the economy be one year from today. Do you think that the crown of Irish is going to completely destroyed?

the United States of America that action on, of course, not of course not now arson people hurting, yes, are some people. Sick, yes, are, should be we're. Gonna go out of business. Yes, our stocks going down yes, but it is not a permanent condition, is a temporary condition, and so you that our wise investors do not play permanent do not play temporary conditions. You play the long haul, play for the long ball you reaching out into the future saying fifteen years from now twenty years from now. How will this situation look? And you got a smart, Mr Perry, talk you off the ledge. So if you need some help with a strict jumping to dive you dot, com click, smart vaster

and found the smart. Mr Pro, in your area of two or three m, you pick them when you want and sit down and get some really really really good advice. So, in two thousand and eight, when the market crashed didn't really crash, a crash would mean it was gone over. You got nothing. If anyone says to you, I lost all of my retirement in the stock market in two thousand eight mathematically going, they are a liar emotionally, they felt like they launched at all costs. I lost a bunch if they bought at the top and sold at the I buy Hoddan Solo because I'm functioning on fear in others what people right. So if they did that, but listen here's the numbers, ok, the dowager! Thirteen! thousand and went to sixty three hundred. It basically went in half and where did they go from sixty

three hundred and two thousand that late two thousand. I ordered a guy. What was the peak just a few weeks ago in January thirty thousand, what six thousand about it in the thirty five five. A million dollars then turn into five million. If you wrote it out. So you started with a million. It becomes a reasonable to me, Becomes a million and a turns into five million if you wrote it out that you're two thousand six to two on twenty January scenario. If the market simply route as to what it was in JANET by the end of the year, if you ve ever done you put in right now. You would make a forty one percent rate of return on. How awesome would that be? So you think long term. You have to think long.

If you're, not thinking long term, you should not be in the stock market. It's not a savings account, it's an investment, it's not some, you play with day in and day out. I almost now First sale, a mutual fund, the only My ever saw one is if it is really dogging compared to the other in the same category. In other words, I got a bad one and I'll take that money and redeployed into another one. I am continually putting into the store. Market continue millions and millions of dollars, and I I haven't lost a dime because I've been sold any had so when it goes down, I understand you can be afraid, But if you got someone to talk you off the ledge, all the data tells us all. The data points tell us that when you have a good broker in your corner, you

make a much higher rate of return on your portfolio and the main reason is that keep you from doing stupid stuff on your emotional. It's not that they really do all that much better than you would have done on your own expertise. Keep you from going crazy when you're good. And we all need a lower that sometimes sometimes it's a thirty second conversation, sometimes a sham, in a reminding us of historical data. So we don't jump off the dad gum ship. You know stay in the deal stay in the deal stay in real and smart. Mr Prodi, your corner makes all the difference to build a do that and so Be sure your thinking that way Koreas, whether some Pennsylvania, high Corey, welcome that I've room today warrior better than I deserve. What's up I'm so I just recently was an anti shawl, and thank you for the time you take the get out such sound wisdom. I really appreciate it,

your book. The total money made over I completed baby that one. And I'm in baby step too, and I just want kind of figure out my dad chair. I got it noble idea down through all my debts in collection, except one, small medical bill. My student loans, can I also have a lawsuit against me, a judgment I should say from credit. Could debt collection agencies? and I can even make enough. I can't even keep up with the interest rate the payment- and I just want to know how to Hamley Bang payments. On that judgment, I have now because I kind one in the scumbag status, if you will and decided not to pay my debts and then, when I heard your show, God can approve my heart said this man stock and some stuff

and your life going on in real time. China stood alone right now. It's into fell right now, I'll come just, cannot just got into baby step to understand everything later, ok and how much is the lawsuit for Five thousand all right around five thousand on what your household income thirty five thousand year, then how long is the loss openly in their use? was that I receive a judgment on at the end of two thousand eighty two years now, one you when you're in some change, ok and how much assisted London Just a little over eight thousand dollars guy, so, like fifteen thousand dollar set you free right much

Frankly, clouds about number among them, yeah thousand dollar, massage job. Even if you spent what you're making now living thats not or massage rob as you hundred percent debt for you in a year right, Yeah, it sounded thousand times twelve you there baby. You got this good God, I'm excited for either the terms so I would lead us to launch a deferral and Take your level methodical bill first. The second thing is: I would save up two thousand dollars cash very, very quickly which are neutral fast. Then what you called judgment and say I was talking to my financial coach and he said even though your broke, they might work with you because they might run have some money now, since they never gotten anything. So I don't have any money, but I got two thousand dollars if you want to take that a settlement in full. Remember that phrase, if, if you take the resettlement and four will do a deal right now, and you'll probably be able to settle for somewhere around them. Ok, now

have to argue with them and they wine and their role in the floor and format the mouth and others crap. But at you gotta go through that I'm all right, but you'll get there with the negotiation. Backup and always blame it. On your financial coach said this was a thing, because I'm your financial cocaine Just told you that's what's a true statement: ok, and tell him you're financial coach said you weren't allowed to go any higher than that, because you're too broken only make thirty five thousand a year ago. Long dead, and this is just like a one time, good time. They also take the money. While you can fast compound mess with me. Follow me yeah now, two things to remember: get it in writing the deal got it? What, if it's not writing it didn't happen. You can tell credit card collectors are lying if their mouth is moving. Get it in writing. If it's not writing it didn't happen. There was a myth and it needs to say

this amount settled this account info. You keep that piece of paper hard copy, the rest of your life continued. The second thing is you keep proof of that meant that you make rest your life, and so the second rule is no electronic access to your checking account because of you Tom thousand dollars, but you got three thousand in your account they're calling your account out. Then you'll have the money for Europe. I am writing and no electronic access. Your checking account you can wired to them. You can debit card of a different account? You can do stuff like that, but no, actually to your main account because they lie what you clear that up, then college did long people get our payment plan, apply your way through that, yet an extra job get on the Ray dollar budget. You ve got this. Do you got it? You can do it? This is the Dave. Ramsey show

this is James. Charles producer of the Dave Ramsey show you can now listen to the Dave Ramsey Show on Spotify, Pandora or anywhere. You listen to podcast for all the way to watch and listen check out our show page it daveramsey dot com show if you're looking for fun

practical ways to save money in your everyday life. You need to check out the Rachel crew, show a podcast from money, expert, Maidan, Rachel crews, guises rates of careers, and I'm so excited to tell you about an ipod. Has a lot of you, darling, paychecks paycheck their end ass. You don't even know where to begin that they have this need this want to get in control of their money, and if that's you, you have come to the right spot. So each episode jeering at a time of inspiration and practical advice, if not subscribe to the rates of crucial podcast, makes region. Today there are more from the Ramsay network, including the Rachel crucial. Wherever you listened Abad, Gush- hey it's just. Producer of the day. Ramsay show this