A guy's exchange Giles producer. The show Dave and the team are out today helping thousands of small business owners at this week's Audrey leadership summit. But in the meantime, we pulled together some of the best moments from the show from previous episodes for you to enjoy your listening to the best of the day. Random and I ran through your host. You jump in we'll talk. Can common Ramsay personality Michael's today you're on the air or talk life money, jobs, careers in general, is talking about you right in front of the phone numbers triple eight eight to five five, two to five! That's triple light,

two, five, five, two to five Go start. Authors are in Indiana, hey Jeff. How are you great gave thanks for taking Mccall Chirp. What's up, how can I help so I made a second generation small business, our and we are hiring right now, and I have a unique problem of a leading some guidance through sorting through all the Reza maize. Applications were getting hers, farm people than we get interview and. Put a lot of weight into your how much time spent at our previous job, and I am not sure that is relevant as you. To be able to see, and if you had some red flags are sometimes it, but you would look or if you were in my position yet Jeff, I think I would love for you to start by quick exercise. Tell us what will help you win the most one of the characteristics, the qualities, the skills that you can identify right now, top of mine for now You show you not there. The type of persons can help us win what you look at fourteen boy,

team player? What I like to collect? works well with others, Ok, so aid to put down to such a great art, that's a great, less right, their team player, a collaborator rights. If there's a spirit about a team player, their humble collaborator again that that, speaking to there, desire to actually get in the team environment get there dirty they're gonna come reboot, it's not about them, it's about the mission and they actually enjoy the creative, collaborating the of those skills, those top for five things you listed off I'd, be, at the recent maize for evidence of those things to start, that's your I'd start the best way to do it, and then you do a quick phone call and look for those we picked up a book would, for my friend, Parliamentary only a few years ago, and we people here and we would say, will soon so just don't get it And we didn't really know what that man, although we just knew that they didn't get it like that and get the memo

and where and when we read Pats book, we started figuring out what we were meaning in his book called the ideal team player and another in player here is hungry, humble and smart, commissioner that look right now. The other people smart Their hungry mean that go get her and their humble meaning, if not all about them and if you're missing one of those three or another problem inside special inside of small business. Looking for what you said is a sense of ownership to you. Want them to act like an owner which is one of our core values share yours all self employed and so we want to act like that when you're here think about what an owner would do and do that and that's how you there you're on the right track that not one of the things we do took to call This will do a quick phone call and just look for your fair on the phone call and then we, the first interview, is no more than thirty minutes long if they make it to an interview. Do

spend more than thirty months on the first interview, even if it's the best applicants in the entire freaking whirl, your Stick your time do spend more than thirty minutes and spend two thirds of that cause. You have. Two ears and one mouth, two thirds. Listening, one third of talking We got twenty minutes of listening and ten minutes fucking. Do not go thirty. Two minutes do not go thirty. One minutes, thirty minutes, because you what you're gonna and if you have an already found this- and I found it back when I used to do the interviews- I don't do him anymore, but something walk in the door had said a word and you're already it's all over me up here you got confused somewhere along the line. You got confused, you're not qualify as but you have to spend a few men with them and then, if you don't watch you like people- and I would spend an hour with somebody that I was never gonna- hurt a million years and wasted there too Madame frustrate our by involves now just

thirty minutes we're gonna get in and out and that such the stage, Jeffrey Quick. You said you have so many applicants. You can't talk all of em. How many we talk about in for what type of positions or position are we talking about? the mid entry level, physicians- and you are typically get three months. I would have gotten five to eight resume. These are four out of five or seven out of it. What a wet straight trash gear and today I'm getting enough, fifty ochre apple hills to the same job and I'm fighting fifteen, but that's just what beautiful. So let me them give you one of the other. What David seems right before you get to the phone call think of these ties with the amount of applicants that are coming in due to the massive unemployment numbers. I would email all of these people and I want it one of the qualities of Dave talked about in Pats book ideal team play. I want to test for hunger seekers, Pat

actually talk many times on the Otter, Lucia Pike, S used to host a programme here, friendly solutions and patents, three days an agreement, you can't teach hunger I can teach humility, I can train humility and I can teach people smart and train people smart. I cannot put an appetite in somebody that does not exist and he with me on that I would send an email to all fifteen I'd, say some type of wicker sign doesn't have to be a long thing. I turn a scare people, but you try Is the day between the people that are hungry and hungry people are just lookin for Gimme an interview. I want to see some hunger. I say something A question like Did you send us in three hundred words why you want this job and why you think you would be better than other people that are something like that. You can make up your question, make it relevant to you. I think, those that respond. I'd look deep, at their rose makers. I think they're showing some hunger at least some initial longer just tonight.

I'm getting a little gamala, some test still thing to jump over and more money than people in our search will go I'm not jumping over absolutely no got yourself so like that you, like twenty eight out of the pile, because I mean just be mass emailing Razumihin ladder virility, I'm telling you that's happened yet, which definitely have somewhat low turn out of five hundred raspberries. I've got numbers of answers. Just crap on work. Is why that's right without looking people with a pulse. We're looking for people purpose questionable on Nepal show now young people that are wired up and fired up, and so you give em. No gas. It were more manipulative than I would suggest, but if it was like a sales, you thing you're not send out sometime in the not respond for three or four times and see if they ll keep calm. Inaccurate sales is about rejection and other non keep coming, etc. I dont attitude and I think that's a wee bit and manipulate it is, but it still makes the same point of if you just a little bit of a failed, her up, it'll screening,

although a bunch of almighty to the last for hunger and by the way to your point Dave because you we created the interview process that, of course, we still do. We teach Entre leadership and it's it's one of the hottest lessons every year and Andrzej Majesty Series how we do interviews our interview process. It works folks, but I'm a day, something if you and get to the point where you come up with some of your litmus test. Questions. Tuk gauge hunger. I'm telling you to really help you because people will fake hunger, the ones that are really hungry bill stay on the line. So to that extent that you can really do that, it's gonna really up to get the right. People look for hungry people. You can train them to do just about anything

You can write test for all three things for you can, but I think hunger super important now. Aren't I agree with that. Some charred delight wet. Would that's true. I was burned out, not possible. You in a rural environment this is that I rammed regime folks, I got another story for you about the online shopping tool- honey. My team loves it because they love shopping smart with honey. You can stop overpaying on thousands of sites. In fact, Christian

on. My marketing team was telling me she uses honey every time she shops online and when it finds a deal, usually saved her ten thirty percent, so listen Papa Day get honey for free at join honey, dotcom, Slash, Dave, that's join honey, dot, com, Slash Dave! your listening to the best of the day. We will be back soon with poor live content. Our question that comes from blinds dog cart, find out for yourself. Why blinds dot com is the number one online retailers custom window covering should get free samples, free shipping promotion around all the time you ll save even more there's a magic word. To get the free money. It's called a promo code. Ramsay uses a promo code Ramsay. John our question today. Today's comes from hiding in Michigan she visits Dave, Ramsay dot com to ask. I am torn

Six in realising that I need to get my life together. I have been very rare thus with money my pass and I'm trying to get myself at a debt, so I can achieve these huge goals goals is only real estate in running a property management company as well as living a life that no one else can. What is your advice? just getting started, there's so much information out there and I don't know where to begin I'm surviving but not living. My parents are offering me to move back home for a period of time, but I wanna feels I've failed. I just need guidance, That's all over the place we ve talked, this ten times on the show today this is a question is bigger than money. How do you eat an elephant abided time, one by the time, He lifted sixteen things in here you want to do you need a line them up in order? What is the most important thing important things for you to create a personally sustainable situation. You need to sustain Heidi first,

before you were about binary state before you worry about Only you probably management company before your body, language, stable in your career, stable your finances avenue. Neat little apartment and everything is under control. You been, in that case push for a long time. It's all between these words. Already words say you been party in your bought off girl. All of these say you are disorganized and you haven't had a plan and you just had something: every wake up call and that's cool. Here to help you and we love you will walk with you, but your first is very, not flashy, no one of the things gettin grumpy about my old age. Dave is, are obsession with a pathologies losing everything she says this in this line. I dont want to feel as I have failed

We are so terrified of feeling uncomfortable of feeling hurt to feeling sad and we are robbing ourselves of transformative moments when we do, and we hide in each you compressed those things, no I'm out from those feelings, I think the most important nation to do if she's, twenty, six and realizing I don't have any Nowhere near my goals, well. Yeah Phyllis now have shot veal. It feel it's not what you want to be now and let that be the catalyst for what might look like area can be. I speak from personal experience on this front. We went broke. The thing I had two first go through was feeling stupid because I was I had if you like, an idiot everyone in my life. I was an area in each country and live in that a moment, and then that helps you not do it again yet

it's not it's conviction, it's not condemnation! That's right! In its! In its the guilt as appropriate verses. I'm gonna put that in my back I can turn their guilt and ashamed. I'm sure to hear their round with me forever, so What was going on is Heidi. You dont use, go from. This having no plan misbehaving, chaotic life life whatever is going on here or whatever combination of censure gonna the switch. And now you are real estate up successful business and your person, Answers are all under perfectly right. It there's! No microwave no pill, there's no Oh I'm gonna get a life pill now you're gonna builder, alive, brick by brick or by board- and you start with nation which has just you gets type and there's no soundtrack, swells, there's no big mouth. Well, there's no fireworks or, for you know, symbol hit you. Up and say to them

from a running shoes only get as far as again walk back home in stark and more than one more day when we're done, and then, if you don't little while the new, if you're, really comfortable in Conakry and peaceful about taking. The next step is little winds next and the next and the next step. We try to do everything at once, and it is. The beauty of a wake up call- and I am not dispute you ve got a wake up call. It looks very thorough, nothing whatever it is. It woke you up, but the other thing is one high five, Heidi good. Are you you had it you had it don't waste this moment. This is a thinks, but don't so- don't despise weird thing on the wall over here over the cop tabrimon replica- my car that are used to carry around shelter books out of the trunk of a car with us, Are the sleigh now finish? Turner? Fifty thousand square foot shovel

and on our buildings, but over the top of that all trunk over their inner bookstore run across the lobby ring sheet from sitting here. Usually it's behind a wall for me so dont. Despite small beginnings, humble beginnings, there don't despise humble beginnings, and that's so don't do that. Just because humble beginning determination. I end up. You get every one of the things on this list. You just gonna, get them in order, that's how you in an elephant abided at Times James is where James changes in Texas, how James how're you I'm really thinking. Must taken Michael sure, what's up in your world, so I've been a fan from you're now I know that you always you never say that it is smart. I want to give your opinion on what I'm about to say is introduce a little bit at that a thought which scholarship to law school good for you and for you, you were also have a university Richmond Virginia awesome.

Oh so that innovation is all covered. You need room and board. Yes, sir,. Why to come here? And you start to you. Yes, sir, I also get a aren't. You can pursue a gold agree with this call ship in the cupboards about seventy five percent of it, so beginning my arm might have behaved well, what is now on so I plan to remember: bore books, all good stop living expenses on it'll be adopted, You two eighty thousand by the time it is also- and I encourage you- have to pay twenty five percent of the India as well on an I'm planning, You say: I'm broke student and my graduate I'll be a lawyer. Don't even want don't go to strong unless I'm talking in for an extra ship to pay out my debt fully on board with that I want to know is with all that being said: it is stupid, so I will just go find eighty ground the trick to grant you don't eat at all. Today, anyway,

to your programme through your programme, three don't leave out three years on a summer else, I've seen it want to grant a year so delivery money in June, what is this? What's the NBA knows about me: meals, Edina, students, at a law school for for five years. What's in India on the back individuality, gonna get you First I want to know how to marriage. My money firm daughters. I wanna go into corporate litigation and I know that getting a hold on how corporations work. I can better represent a corporate or multiple, depending on what that litigation brings you to, Gazer, your way more to the main way to go and be. What I want you to do is to sit down and talk to folks who went through the Jedi, India, program and find out the our ally against that MBA becoming I want to know if it's worth that gap money- and I know

Every law student I've ever worked with and they are brilliant in smart and kind and ready to go attack the world and they are looking for. Every single advantage on planet earth to get them to the top of whatever apple compile they wanna be a part of it. I've never sat down on the back in and said. Are these extra things is that extra eighty thousand dollar sixty thousand dollars, mainly room abort, right or thirty dams, amateurishness, MBA cough. I bet it's ensuring taught you be adviser. They said it be about twenty thousand at the high investment agenda. How quickly I can I can take it. I note what let's say we ve got sixty and twenty of its latin forty other german board forgot going back to Europe. The Johns idea, let's double check and make sure there's an hour alone, that extra twenty four the NBA as well covering the other stuff in thirty years. I've never told someone to take out alone of any kind of Spain

they didn't want. They almost gotcha Dave announced like this. No nine on genetic, close and so on. Close. I love the gps Yon, you joy, so the now you're gonna get adoption lady hours a week between now and the time you go to college, and you can do it again. Next summer and you're gonna be the craziest hidden law school cause, you're not allowed to work, but you're gonna be working and then cost you can make it you're not that far also most there's a close down cave in and be broke when you come out with eighty thousand hours in that you didn't have a better plan, go get you some money. I know feeling safe at home has never been more important. That's why I want to tell you about simply safe home security. Simply say makes it easy to get comprehensive protection for your home without them.

Of a technician or salesperson disrupting your home, you simply order it online and set it up yourself in about an hour plus there's no monthly fees and no contracts order. It now at simply save direct bad com and get a free security camera you're listening to the best of the day, friendships we'll be back soon with more live cattle in the lobby of Ramsay solutions. Here, I'm sure it's the debt free stage right here in the lobby. Real humans are here, Jeff and partially or weathers, along with our kids. Logan Adela Ella, hey guys! Welcome hello! where'd, you go, live just out the Birmingham weren't alabaster just now, the down nice. Ok, who are welcome damage, but aren't you appear cup

hours Dr North, to do your debt free scream. That's what we hear! Rumours love it! How much you paid off sixty nine, thousand dollars and about seventeen months while and your range of incomes. A hundred and thirty thousand. We do for a living work, I'm a salesman and the outdoor industry. I can. I have the cool job for as far as men are concerned, I sell hunting and fishing equipment work for law, big, national and global brands. You probably recognise Simona John we're gonna talk after that on a day to thinking samples taken SAM. I log out my matrona we're not browser, and I brought the queue with me to the dirty stays there to help raise our children also teaches after school or classes or go to both children and senior adults or candidate was sixty. Nine thousand well, it was limited everything kullak lawyer listeners. We did not have credit card that, oddly enough, but we had stood alone. We had two cars and we had a pile of medical debt that we had to work. Just from not being educated on me

insurance entire time. Much like what you have heard you talk about lessons we are. We No, what we were doing their ends up is a mixture of understand. So what happens seventeen months ago? It was the wake up call. Well, Darcy Headcount. I've been there right. We took your class and failed at about ten years ago, so we're Flunkey and we went through this and I knew all the one liners. I drive a lot, so I knew the program and just never applied to my whatsoever and I guess seventeen months go in August. I was true the EAST of Atlanta one, I M gonna cause she not already started in little stewardship class. Previous church home in Birmingham and traveling in georgia- and I call it two in the morning. Cause it to the more never get either so are too old. Dont here today we sold them

That's no body! We took our guys, but my oldest son Jegu call me two in the morning over there in Georgia and I entered the phone. I can't believe I heard it. I woke up answer the phone and on the other, in the line was was Jacob in you when you can hear fear in Europe voice right Anna to the phone and Jacob chaired. It is mom had taken her own life that night at home, and that was probably probably the one thing they come together on new, last Monday and this bit so, but that was doubts, private guys, really motivated. I got this. What gets me on board and then I'll make sure and others are ex wife? Yes, I was when I was younger and call it I'll catch of those other two kids, ok and anyway, We are we a divorce, And we had a son together and that she struggled long tire and anyway, that was probably the one thing

transport. The fire undermine got me move and got me on board where she already was, and we cannot came together which, as you know, is, is paramount to this programme, and at that point we home and decide to get serious about it? I'll sit in the corporal line when data pickup elephant school and on your program, you guys we're given away leadership. Materials on on your programme for a hundred people now happen to win. Never won anything on the radio my life before, but one that- and I thought of that, God tell me it's time to get involved and get focus, so he's not only went from just listening and don't you want to. I hadn't just became a coordinator automatic corner soup absolutely, We ve done multiple classes. We now all we do other online events, while we do whirling class has now joined, Madeline, Scullions Antonio John Mammy, acid, and on their classes and vice versa. They sit owners, we ve got the big gotta, be friend, who face looking so we're doing it? Man, while very

I plan on doing it for a long long time. You never know it play on contain a coordinator, but you don't know yet from coming to work, for you take out we'll take the notice, Ratner, Lemme boss is he's listing that right now, eventually, that's not why that does not also, but the speaking at a friend amongst funeral, whether another two to have told us guys were speaking that were our speakers, and he said something in that funeral that I've never forgotten as many years ago. He said death and births when a babies born or a tuning fork for your life, you suddenly got been, and with her your your ex, why should a sad it it just re? been anyone, the shit out of town and I gotta get lander you're absolutely right in it will be clear one. That was definitely the one that I can point to,

but I also knew and Mount if I had a great godly example, I just just Nord. What I knew to be right for so long and a new, I knew what was right, and that was just the one thing that debt that lit the fire, but there is more to it than that for sure I won't do it for these guys in addition, sorrowfully the problem Jeff if he doesn't do anything half way, and so when he decided that this was going on you're like a kind. I wish I hadn't brought this rights. Are you are? You are thankful that you are going to finally do it, but are not yet he does it takes. It runs I came home day from travelling when we got my guitar with me. I play guitar everyday in one of the few material possessions are really love in this world is much. Is my Taylor, guitar and home. I got a call from the credit union about the brand new how under thy deserved, and we weren't making payments on and on

was so infuriated at one. The word we behind, which course I call her light. Why are we behind and she is tell him. You were behind you're, just not listening and so Stopped- and I was gonna- sell a guitar to the guy hold it to me to make that carpet. Which, as you know, was like stick and my finger in a hole in the South hold a boat and knew that wouldn't fix the problem. Came At night we sat down till two thirty in the morning we laid on the table. Is a school night related all out there and answer this? This is where it ends change in direction and body. After that, like you said it was all I mean. What are you tell me what you ve done: multiple clashes, human, highly successful. You been a coordinator multiple times when you tell people the key to getting out of that. If this, level and I think it to each person. It applies differently, but first and foremost you ve got to decide. You ve got to. All that line in the sand and you ve got to decide its time just like what He say all time your kleiber hands and its where we're going, and so you ve got.

I first of all, and now always tell our classes, us stressed our classes, which shut out to our classes out there in Birmingham we lover or support group, but we tell him You gotta find your. Why just like Simon says you gotta find Y, know your. Why and then you ve got to have your I've had a moment and you decide once you do that, but you gotta do it. I mean it took us all time. You're gonna love your family, legacy more than your stuff, and you ve in you gotta be rated to shut it in rock and roll and lock down the stuff, hey Darcy death to the loud laugh lovely, passionate husbands out there who sit. To quiet, brilliant, beautiful, what's the ones You wanna tell those men this to be there for your wife and be there for your family in and listen to them, and in this support them and, oh, you said Edward, listen, her eyes and less it enough

for years. I must go back to John John. In trouble. Dorsey here is a ninja. You can see it well again. She was there. First she was ready. She figured out a way to make his idea tethers off of Ngos. We welcome you now we got serious, I mean ass old or one that companies I work for the fucking say who our workforce, but let's get straight to it at all, is our term sure sixty dollars. Prayed are often seventeen months and we see why make it Thirdly, these guys rock stars- you guys are heroes, Jeff and Darcy. Low now from Birmingham Alabama counted down, let's hear a debt, three Why were there

the baby goblet result gives everyday millionaires, but for you that is definitely the next chapter in your store. You guys are incredible, like you so much zone, a great story. This is that I Ramsay

you're. Listening to the best of the Dave. Ramsey show power, scripture proverbs. Two hundred and twenty six train up a child in the way he should go and when he is old he will not depart from it. Franklin D, Roosevelt said we cannot always build the future of our youth, but we and build our use for the future one of my favorite ages Proverbs is not written Christie, as you know, in sheep, she's, not a line upon line. It's it's up a series of statements or quote in Burma But it is interesting to me that proverbs twenty two six is train up. A child noise should go resolve to depart from proverbs. Twenty seven. If you keep reading, says the rituals over the poor in the bar or slavery, the lender

like trying to procure, did not go into that. That's what I thought. That's all we ve been teaching for awhile. That's what I heard only it's always accidental that those are back to back if you most Americans, your car may have gotten all dustier this year, because the parliament cause you been staying at home, Less cars on the road is less risk for your insurance company, which means you might pay a lower premium this month, some car insurance We already started giving credits for about fifteen percent of your premium now. Obviously, if your confident did your pain lowest price well go and take the credit, but if you're not confident, don't settle for a skimpy seventy dollars or whatever it ends up being that you save you could save way more by actually shopping the rates so connect with our endorsed local provider for insurance, our e LP, it's something you can do from your couch

it's free to have an agent shop rates for you? These are independent insurance you mean they don't work for just one company they can around and get you the best possible deal and we work with any LP save an average of about seven hundred dollars, not sixty or seventy. So I'm and of course, after grown of Irish, every penny counts. Never again, should you put your insurance on auto pilot and just keep overpaying yet annually shop at continuing, make sure you're getting good deals. Click LI, L, P, Dave, Ramsay, DOT, com and click on insurance and get a quick, easy quote from your endorsed local. Provider joy, is in Virginia, had joy. Welcome to the diver amnesia I gave increasing, question regarding my husband's job search. He on a boy a couple weeks now, but I have it

composition of mad accompanying I'm working, for it will be a great match or by whom? I'm not sure how I make that referral. You weren't you, even in the same building remembers insidiously by legal codes, in human resources and I'm wondering how you recommend I'm a cabbage barrel or leisure, coming over policy about that I'm aware of doctor, I think I would just be funny about it, that's because that yet call it out. I have a good time where they go hey this a really good guy lab. I didn't me makes me breakfast on occasion. Wilma day. Everyone could call it out as some fine weather, though, and just tell a jar. Obviously I obviously have a conflict of interest, but but

you hired me and I'm working out, which is in good indicator that people like our family or good folk right and he's great mats word in highly educated, all requirements at the gates. I was hoping you now That way. Sometimes I just don't want. Let me just theatre make referral now. I don't think it's way. Unless you make it weird, I mean nothing we gave said. If you just call it I'll see, you see things get weird when you try to run away the awkwardness, but if you just go head into it and have fun with it it's disarming and then it you and him that much more like a bull in them that much more open to it mean. Obviously they want to be interested in his experience and skills, but I'd open it with something funny and fine like day was saying and it just open. The door for them to consider him for his skills, but also going then who's your husband saga. I think you can have some fun with it. A good thing to consider is the downside date, not the organization, but to you guys if he got in

even though, is not in the same building or what are running out an apartment. Had bad experiences are gonna sour you on your job? I don't know why I'm working, our public health and he d working more public relations that we are only really. It is the same organization. Range someone in leadership pooped on him right, on average and a different building- is still poop- I'm coming in to make good on meagre? Make me out with them, and you gotta think about that its wanderings. We don't higher. We our policies, we almost never that's how we say it sometime We do, but we all motion ever higher relatives and that's the reason is because of you. If I live to reprimand or even fire your husband, it's very hard for you to stay, engaged and love in this place. You know,

I am beginning to make love young blood is thicker and water. In that regard, she doesn't need to talk through that potential awkwardness as well from your perspective. If you want to do it or not, because my fear is that if I lose one team member, because a something's going on a may lose to just because they were there connected at the hip and in and adjust that's the problem that their distant cousins or something different, but husband, wife, that's a star We didn't, we have hired, you know occasionally, but but it's a very we talk about it openly. We, like you, say we approached the awkwardness. I think a lot of you to say us out loud it does away with the demon. It's amazing how disarming that can be, because I think people try to keep the peace and keep things normal by, avoiding that actually just makes it weirder just go straight into call it out merely hey this, I'm married to him. This is uncomfortable. This is maybe a little bit.

Obvious, unbiased, but hey, let's talk about it. Are you open to it? We talked about it. Here's the potential concerns or whatever we like you said. I do think it's interesting with the aspect of the effect on their marriage. That's a lot of time in the same worlds: you're Homeworld and your work work even if you're in different departments its latest hyper, I won't. I have like some rules like we don't talk about work near, but a certain time, yet oh yeah, and then we turn it turn work off now I'd be a good idea. I marry is in taxes primary welcome that over amnesia how're. You thanks for taking my car sure. How can we allow am? I have a question I had within the oil and gas industry here in Texas is, as you know, it's not doing very well

nope, so his company laid up about sixty percent? Do you boys, and he was caught up in that and he created a consulting companies found some part time work for maybe the next three to five months, about twenty hours a week, but we're still not where we need to be an end. At the end of the day, he got em like a settlement type thing with his company. They paid him couple years at his salary and got eighteen months of insurance for how much more though he found a vow, why, under six hundred thousand, not bad and so his concern is. But it's that he came to me the other day, and this has happened like a girl. He said he wanted to invest in a wild franchise like all change brainchild- and I you know,

it's almost fell over and I can wait a minute. You know the condom. He's got really great right now and I don't know how many people are getting oil changes. I'm not sure, if Where will we need the car? Maybe we just need to set up a little bit and really think this through so used to be watching these sale things and these people They tried to get been, calling warn them. Once you get on that list, you're gonna get hammered with salespeople franchises. I dont think he needs a franchise. Only gazed stop needs to figure out who he is and where he wants to go and then decide of a franchise, we're gonna, take you there franchises or not success in a box, and they sell themselves sometimes with that, and so Christiana want him to go back and learns think about who dwelt

They want to grow up now, yeah yeah, and you have what's so great, as you have the time to do that, any of the money they just not a ton of money. You got some freedom and options. I wouldn't just look into this next thing is its in front? You may take some time to really figure out with his next step. Is to us, as you got all the options, that's a good place to be sometimes franchises, regret our dear, but when their shoulders succession of box, it's a bad plan, and you need that you need to be to be. Success- will be doing something God designed do any thing through what that is then figure out of a french ass rich that.

It's a sour that IRAN's you show in the books will be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace and that's to walk daily with the prince of peace project. A guy's exchange child producer of the day ran to show you been listening to the best of the different. Once again, you made the day. Ramsay show one of the top for most popular Potass last year to get your daily dose of motivation and inspiration from the Ramsay network subscriber followed to date,

going for fun and practical ways to save money in your everyday life. You need to check out the Rachel Crucial, a pod cash from money expert, my daughter, Rachel crew, guys it's rates of crews and I'm so excited to tell you about. My party has a lot of you following paychecks pay check their end that 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 in Egypt, the cellular and get a time of inspiration and practical advice not subscribe to. The rates of crucial podcast makes review it today, you're more from the Ramsay network, including the Rachel Crucial wherever you listened Abad, Gush hates producer of the Dave. Ramsay show this