From the headquarters of Whimsie solutions, broadcasting from the dollar car rental studios. It's the Dave Ramsay Show that is dumb casual king in the pay of mortgage has taken the place of the Bmw ass, though status symbol of choice they ramsay your hosts. Thank you for joining us. This is on trade and on trade leadership theme. Our your ship is our brand, where we talk to business owners, particularly all business owners about our operate at a whim.

Otto Accede and today out of succeeding today how to survive and you know it into them small business owners, Roger America, all day long with our own trade leadership team. But during this time we have decided to what we ve decided to devote and how our efforts at least once a week with KEN common today a Ramsay personality number one best seller and the executive vice pray an operating board member of Entre leadership that runs the whole area of our company, Daniel they shooting at as well to answer your questions Here's why this is important, fifty percent of the? U S, economy, the gross domestic product, is produced by small business smile. Business in this case is defined as five hundred or less employees. To give you an idea, that's over half of the economy is created by not people with thirty thousand

and a hundred thousand jobs. So when you hear Macy's laid off a hundred thousand people, that's or a born sad, but that is a uniquely small portion of our overall economy. Much more at risk for our economy is what happens with the small businesses, because, as the small businesses Gozo goes, the economy, the General Motors does not wag the dog on this tale. It just doesn't work that way there not big enough as a percentage to do that not or stand there big deal and all that, but what's what is truly a big deal is small business and the bad news is small. Business has been hammered during this carogne of our shut down the suppression of our economy in order to kill the virus. The good news is the first to recover will be small business because their agile, they

You know how to float logger butterflies. Doing like a be those of us who started something in our living room and waited on a card table we scratched and Claude. We know how to scratch and claw. We are not bound by Democracy, and there is not a herd of sacred cows and side of our inside of our business. To kill in order to just free can get something done. Ro said. If you see a snake killing Donovan, committee on snakes, small Do that small businesses that we don't screw around with stuff. We raise the bow and release the freaking arrow, and it's that simple so they'll be the ones that come back the fastest there also the, that a pivoted during this nowadays, a word that is dramatically over used like unprecedented during their started as both accurate but pivoted an unprecedented so much, I'm busy and that that

they're, the ones that that are coming up with new products in way to survive and new sources of revenue to survive during the Swiss and then, when it switches back they'll, be ready to do that. So we're here to help you gas, if that you, the foam, eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five and then authority, we have seen some wonderful six Stories from some wonderful people that we code that we work within the entrepreneurship space? These entrepreneur? yours truly, are not only the backbone of America. I think there are the most creative business people on the planet, Davy exactly right. There, reason that I love small business people, but this lt in earnest in assaulted the earth at the light in the darkness, and these guys they they dream. They have passion they get out of bed every day, in spite of the odds, are normally the odds, stacked against him. Pre corona virus and I've been talking a business owner since all this disruption. I wish I could,

the man and just have them talk to America right now, because these guys for them for the most part, is a few that are really struggling. But for the most part there go, and I got to solve this problem- I would to figure this out there not being victims. They dont have their head in the sand. They're not suckin their thumbs about it to your point earlier. There adapting their pivoting they're coming up with new solutions, large check in the mail box version meals trick there come up with solutions to the problem they ve got and it's it's inspired to listen to, and many of them are figured out whole new way of operating their business that that even think about before, and so these problems have created. Creativity and creativity leads to solutions and new businesses that didn't even exist really heartened by what we see out of business in normal times, and that is that business exists to solve a problem or meet a need, and I also just in oh, I love capitalism because Capitalism doesn't mean that you are immune from economic upturn,

turns crisis. This is a complete stop to such a whole different animal. Here this grown up thing, but what I want. I have faith in his capitalism, because that means that men and women who are running businesses will figure out how to solve their problems. While solving customers problems and I think when we get back to it and we get to a point, most of the american consumers are safe, they feel safe was put it that way to get back out. There I think we're going to see a tremendous boom. I dont know how soon and I dont know what extent, but I do believe in but Elysium, because it is driven by small business owners that we're talking about. They will figure it out. The phone number is eight hundred and eighty eight eight hundred and twenty five five hundred and twenty two five thousand eight hundred and eighty eight eight thousand two hundred and fifty five two hundred and twenty five you jumping you can talk to this panel.

No tardy, we ve, put together and on her leadership, but to our online workshop shop for business owners called how to lead crisis. Your ninety day action plan, and since I know I wasn't there, who did this this is with John Falcons and Alex two of our top coaches, with our team do and basically webinar with small business owners talking through real issues that are happening right now, but then taken onto leadership principles that have taken us through many crisis many disruption. This isn't the first crisis we ve all faced. We ve looked come what has always been true and what are the things that people We focused on right now and we put that into workshop, this practical, its hands on information and It went so well, we had several thousand people show up and we got rave reviews about how helpful it was in so many business owners go, and this is the hope that I needed today. Figured out a way to package that we broadcast it out, and so anybody that wants to jump on that they can.

The Keyword Free Workshop, twenty three thousand three hundred and forty four for free workshop, twenty three thousand three hundred and forty four, they'll get access to the recording of that's really great show. One thing I think we're going to see which small businesses out there is. Not only are they gonna come up with ideas and solve problems like we ve been talking about to be one of the first group, the economic recovery when the suppression is over, but I also think that there, going to be a a shortage on some of these services, and so there jammed up because some other competitors went broke in the hare, cutting business and won't be back and you ve got the surge of people who desperately need a haircut some of the competitors The restaurant business people dying to get back in red. No pun intended a really desperately wanted you oughta eating, and yet a bunch restaurants are simply not going to reopen they're gone

are. You got to storage and supply, and we're gonna see some price adjustments on somebody Its services work to see some of the businesses to reopen retool and reset beat run with customers. If it may, the best month you ve had in years as you get if things warm back up and some of the surge, this pent up demand from the suppression comes. Sure. I think some of you need to get ready for that Your calls on the river empty shell, dental insurances, great. If somebody else is paying for it, but if you're footing the bill, one dental die com is a much better way from my listeners. One dental dog,

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from Dominic in New York Day my wedding has been postponed a next year among baby step to marking, student launch. However, I just got engaged, I decided to put my national law. Hold on to have the wedding thanks D but our wedding has been postponed until next July. I'm not sure if I should go, to continuing mother snowball or keep saving for the wedding, but would you suggest if you ve got the wedding covered then restart your baby steps would be reached. Archer debt, snowball, but until you ve got the wedding cover that your first priority. So whatever your out of pocket expenses. Gonna beat you need a budget for the wedding and amount. Then you hit that number then boom we push play on the desk. About should be able to cover that as much time as you ve got This is a small business theme. Our non trade leadership theme our the panel answer questions can Coleman Ramsay personality number one by selling author and the executive,

president of honorary leadership, peremptory solutions, Daniel Tardy, joins us. Let's Tommy in California, I Tommy how can that I've ram show? How can we help big? I think for technical me. What's up on twenty eight and I own fifty percent of my wedding but business. I want the business day to day my parents. Don't worry about the large decisions, but the other thirteen and twenty two hit by the wildfires, which causes a close to thoroughly and in the down time avoid for term it's going to or processing costs, and in that I'm realize. If carrots, since are not part of the data they dont show their customers want, but they still turn in part through decisions at the final one might hiring subcontractors and tenders. Without my knowledge, they talked about how they want to be a part of the business. They were there just asking how the business is doing and not part of the decisions. So my question is: I want to have a discussion about the process by my parents out over time and a mutually beneficial way.

I don't have a conversation and I dont know how to put a dollar amount to two percent. It Tommy here, is to hear for love, kins thoughts on this too, but you're twenty eight years old, you're in a business that had it sounds like your partners with your parents. I wanna zoom back for second start with Is this what you love and really wanna, be doing when you're thirty five, or did you kind of drift into this thing has moment at our part of it? This is little. God has for me I love waken up every do you think I got a let's get So what are you? What do you want to be true and a year from now, as it relates to the way that mom and dad are evolved, not about a sounds like you want to buy em out in and have a clean break I'm a good regulation over my family. I think the problem is its. Both my dad gets a little too at all, and so I dont all my idea was by two percent

there's, something that there is a little bit more. I'm more decision on that, but I I just after what I came up with a wooden pop. I don't want to be on that after who are paid a base salary for managing the business, nothing, but then how much profit his laughter year about six hundred while you're profitable six hundred other taken about three hundred you're talkin about three hundred in profit, correct after

you were paid a salary correct, ok, so the business is worth roughly four to five acts of that number: that's the ral! You ok and answer there there half their three hundred is worth somewhere around a million one point: five million to two million five somewhere in their ok. I now the way I would do it is. I would just propose that you give them ex percentage of the profits until you reach that number and it would be an excess of fifty percent. Ok, ok are agreed by out number

He is whatever was agreed or number, and I'm gonna give you eighty percent of the prophet until we had that number. If you can live on twenty percent pleasure salary which you ought to be able to. These are incredible numbers that make sense. Ok, and so, if we said eighty percent of six That's like a half million dollars and if it's a million five three years later, your clear I like that, You need to agree on a prize, but the price generally, a small business will sell for somewhere around a twenty to twenty five percent rate of return to the investor, which means the cap rate is about for extra five acts of the net profit and their portion of the net profit is fifty percent of understood. You right is that correct.

Yeah. That's the problem, as you got two heads anything with two heads, a monster there, that's what you're discovering. So you need an end. We this by out. They lose the right to interfere. Operationally I'm curious is unavoidable. I think that changes are they're. Gonna go for this. You feel good that they'll they'll go for this idea. What Dave just laid out, I think, with a good conversation, it would anyone. We started a definite something where I was really wanted. To this end they were willing to help end the right. They wanted me to run everything they do everything, but they still want to put their thing. Under our really got hurting. Why Kinshasa Dave gave you some great mechanics on the evaluation of a business in how you would put a proposal together for the buy out, but you may well have a few relations just from a relationship standpoint before

come and start talking you up the buy out and in the timeline. For that to happen. Just so that ever em, if you dont, want to look up in a year from now the relationship that that you have with your parents, that is great, has gotten really rocky because how you approach this was too transactional. It done sound like you're gonna. Do that sounds like you, guys are on a good track and there's a couple thanks to do that being a founder of a business. Your does not actually the founder, you and him founded together with his money. He got you started or whatever and then you took it, ran it and grew at it, but you know honour their mission, as parents always honour their position in the business and thank the Lange falling Four for what you ve gotten for this point, and that's how you always start rotation like that is an end and then you say and in all our original purpose was for us to get this thing running and so Now the natural evolution is dad mom. The way for me, continued honor. You wish to buy you out

And so I want to give you a large percentage of the profits against. I buy out number and cause that to happen, but then me tipping my had to you and saying thank you and I Pritchett you, and I love you and I'm your ear been incredible. And it's the natural evolution of this just now when you are raising me mom and dad you didn't want me to live in the basement allows forty, and this is I'm starting to be in your basement now Mister now you're. Are him a metaphor of some kind in says it's time for me to grow up and grow on, and you you have to. Let me go. I have to move out, I'm getting married. You know it's a kind of thing and show that they are the end, but

They're getting some psychological value out of interfering in you need to take that away from them. Gently well, just be patient. I mean when I was twenty eight. I would want all of this to happen in six weeks. It's ok! If it takes six months, o death, let right there is a very big point. Yeah. I think what day just mentioned on the psychology is huge Tommy and then what Daniel said is true too, if they were Is this a little, but you need to relax, as you told us all unequivocally, I mean you couldn't get it out fast enough. This is what you were created to do so guess what you're getting to do it you're twenty eight, let this thing like a well you're times come, but don't, but it could be gradual, but it does need to see incremental progress with end in mind that everyone is become starts to be in agreement with, because what happened sometimes with family businesses, to avoid conflict would kick the can of conflict down the road and it gets bigger every time you kick it,

show it's easier to go ahead and deal with it again, not if the band aid often not to be impetuous and not to be a mature impulsive Are you a gentle one and honouring always honouring those that came before you that the warmer we're things about Nashville. Is that a lot of me, people around the world are not a music person published a fan boy, but country music. People do a great, of honouring the ones that came before them, You have to honour Dolly pardon. You need to honour John in June You know you need to honor the ones in a porter Wagoner. You need to honor these and they do in that world and it's a good. It's a good make transitions hat, but his classic. This is the I am

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Panel, Daniel Tardy the executive vice president of honorary leadership, or answering your questions about small business right now we're offering Hey free Workshop on how to lead in a crisis. Your ninety day action plan and the workshop breaks down the four steps. Our bunny our operating board? Might me in my leadership team used Ramsay solutions navigate through the last forty days and we will navigate through the next forty five days. Using these same four steps, the register The free online workshop text free workshop to thirty three four, Forty four, this is for you, leaders and particularly small business leaders. Workshop to thirty three four, forty four one phrase: no spacious free workshop and often about

we'll get ninety days of good. Shall material from Alex Judge on Falcons. Jonah's, head coach and our job is one of our top coaches, but also as the host of the entrepreneurship podcast it. So you hear him out here all the time and he's not lacking in energy and Johnson logging in wisdom. So you you'll enjoy their such absolutely amazing. Another thing that we are doing for business in America today we have an eight hour benefit that we ve sold for years in the finance wellness space teaching you please how to handle money, how to get on a budget out to get out of that out. A bill. Wealth is now to be outrageously generous and it's called smart dollar and lots of companies that have taught it it's been available to over ten million employees? At this point, companies like cost co, for example, have taught it, and I used it so here's what we're doing we're doing a couple of things number one. If you

have had a lay people off if you'll get in touch with our team Mark dollar dotcom, slash, hope they. Set you up to put any of your former laid off employees are furlough employs throughout dollar free. To the end of the year, I can stay in the programme hurry up until the end of the year. They get all the. Lessons in the curriculum on how to handle money, and I me and Hogan, and Rachel and many others teaching on this, and I it's pretty incredible, stop completely free for them. Also, if you weren't you company for your current employees, to have a free trial to smart dollar will make that available. You at smart, not or die com, and there's a message of hope. America moves forward, focusing helping. Leaders like hr folks cease waiters you're trying to make these money hr decisions at times like this. If you want to join for that it'll be Monday April. The twenty seventh at eleven a m I'll check it out on our way

but paid. Are you tube channels and you'll be understood? What's goin on there for that space, so we're trying to help you when business? Because we all business, is where job for a we need. No a whole bunch of people in America need a job right now. They need some income shoe is Weathers Susan, California, high. So welcome to you. Welcome, Ramsay show. How can we help we own a my business partner, I own a small business act which, against studio location and its super frustrating here in California, since there is to be more focus on gathering data than getting physicists back on their feet, and we ve

in the end, have educated ourselves immensely in the last several weeks with strategies and ways to stay afloat, but small businesses. Here I don't know about the rest of the country, but aren't even given an opportunity to keep doing what they were doing and incorporate the to the directive, and I know that their offering loans. But we know that that is the temporary fix, and I'm just to the point where I wanna know like my civil liberties are being taken from us. Our freedoms are being taken from us they're, not giving us really any definitive dates. I want to go back to work and I want open at my business and I wanted I will. I will implement the mandates that

Central business is apparently have that opportunity to do, but we were not given that opportunity. So I just want some advice on that. Because Sue, could I ask you a bit it yet How? What is your main form of revenue? Is it classes where there's larger groups or is it also individually, dance, lessons it large its. We particularly, we are a rare occasion, video we do have a performance team company, but were predominantly a recreational and so classroom instruction imprisonment, structure that we have done everything we pivoted were on my we we're prerecorded. We have lived in classes, but it is not the preferred method of sermons and we survived our first April month because we are on an automatic

to Asian an invoice system. Can I ask you, when you are the preferred method in terms of format and and what's best for the students how's? This impact revenue has as the pivot that you guys made have been able to keep you guys afloat from a catholic standpoint, but they were an auto drug for April should be made. For you know, right yeah met while April as we survive. That may is not looking favourable because we keep having used daily, allegedly these daily updates, with no specific information meeting which city or you hand wherein San Diego and so our county. It isn't any where air. What

mafia and was carrying an emphasis, go area it with regards to you know, I mean I and I could go on and on because I just personally feel I spoke with my own doktor to find out the civic information about this, because this virus, because we need to make good business decisions that are going to keep our staff and are customers healthy and his information does not align with That, with the direction of the leadership here in, I was trying to explain that to a person in government. I was having a discussion with earlier in the week that the that the problem is that those of us that are part of an aerial running our own businesses- you have to present credible

data to us, and if our data was off as far as their data has been, we would have been out of business a long time ago. Oh my gosh! I had someone working for me whose data model was as far off. I would give them one pass, and then I would fire them for encamped and are trying to learn that the government, you cannot cast a vision for people. People are not going to stay in their homes because they no longer believe the data, because it's been so inconsistent and the models in the applicant one of the restrictions have been so Willy nilly and so inconsistent. Ah answer Ivan I think, a lot of share your you're frustrations. Now I guess it's like fascinates me. I we sit in Lebanon and all of these entrepreneurs are like will? What can we do?

We do, and I said what you were doing, what we need to be doing, but we also need to be smart and we can use our voices and say this information is not lighting up, so it doesn't. You me collectively come together and say I if I, if the data and information that came from my vision lined up? I would I'm all in exact consumers go first of the natural quick here because I am with you, I'm so frustrated on your behalf right now, but I think you do have to make their voice heard. Here's what I would do if I were you, this is worth a stab number one I too, Your clients talk to these people, their kids, or maybe these are adults at her pain for your services or have up to this point if they ve got tested, Have they been tested? Are they willing to get tested and if they had a negative where they got pausing than the quarantine for fourteen days were of the CDC says. Would they

willing to come in. If you had all the safety things in place and everybody was tested were already see in multiple states around the country, Green open up. If you took their temperature before they came in. If you went to all these into degrees, I think if you have clients, they'll come in either you gotta make their case. I'd sign a petition, not take it to the mayor. I take it to the to the city do it and I would publish it too. I put the word out at this point you have to think the able to spread the word. This is where the protesters Thank you. How you there the anger and are not there not crazy, wrote a novel and shut down during a very large objects and, logically, looking at the data that doesn't line up, it's not consistent.

And I M just not not stay home power scripture of the day, psalm three hundred and twenty eight. I will instruct you and teach you in the way you should go. I will counsel you with my eye upon. You also are quote of the day. Is amateurs have hard work and speed? Professionals have hard work. And direction? That's good. Jamie is whether in Arizona high Jamie welcomes Ramsay ship thanks for helping me on sure. What's up

oh, I have broken every day brand new role in the work that I can, but I can tell show I lay gotten on board. I've had enough. And so I'm just beginning to learn how to run a budget, and I see that in my business I have to businesses that my personal stuff, it's so intermingled it like this embezzlement from a company. And so I'm crazy, pickles around a virus. One business literally gondis zero, not road, your company, that the refund over ten thousand dollars, whether reservations, because of cancellations in tourism, and then show that business generated three hundred dollars and twenty days

and my other business with tracking company and I'm truck army dump tracking and every day and I'm busy every day, that's better than I can imagine jump. And your general I'm literally robbing from my truck to pay for off road toys. Well or not off road towards your pay for your other business right, yeah gathered toys that you use your using them for Thou for a business re not erect, ok, which does not allow different Maria. Different lines of business and some are up in summer down and the ones that are upper covering the ones that are down and see. You haven't done anything ethically wrong here by saying hey for right now. You know the horse that walk and I'm gonna write that one, while the other ones can a layman limping along behind the eyes. Not is not ethics anyway, and I even structurally wrong right, smart Aleck, it's not accounting was you just you

one area that has a temporary shut down of suppression and wonder, is booming and they all sat and wouldn't like like Daniel said, author. Ramsay solutions were looking at anything we can do because even within you know one particular product sometimes the study home is going big, but the study somewhere else has not disappeared, temporarily and soap, and it's made up for by the study at home and were saying that I hope all through this place eyes ample. So that's all fine, the personal, dove interwoven. You ve discovered you need two on weave it right, yeah, that's an eye, buying grocery asian pay in your goin on trips: where are your business? Take money, from the business and then go those things, but they need to be the accounting and needs to be very specific to your business, and you could two divisions of one business or have to business. Is you can call it whatever you want between,

working in the offloading, but one of them. Then they run they have values associated with them and expenses associated directly with them and then pay. Its associated or lack of profit, associate directly with them and then the net profits of all of that glum together and you get to take that home for your personal income and if you keep that set a book from that and run your checking account that way. Our paying bills for you don't pay your house payment, your business, and you're: not don't you know that covering that co mingling thing and I laughingly colleague of embezzlement from yourself, but it helps keep it clean and you you, better numbers on your business to be able to make decisions on your business, because now the numbers are pure, nor I'm saying yes or share, I've done a very good job. I'm dead free Finally, with the exception of my mortgage good and

broken every rule in the business? I have financed everything to the hill in back just like the interweaving into the budget. You just begin to begin to say all right. Not where I want to be, which is what you're telling me? and how quickly, how dramatic lay. Do I need to get out. I pay my way out over time and keep the off road toll in the truck or do I say, I'm gonna get out of one of the Businesses- and you know let that amount of debt go awakens Marcel those items. I don't care if thereby we have a long if they both can cash flow over the coming Twelvemonths and make money, and you like both of them, and you want to use that cash flow to clear these debts and a reasonable period of time. That's unusual suggestion that we have for an honorary leadership person right yeah minute. I think you gotta go if, if I wanna keep it just like day said especially the offering thing it's gonna come back, and so you promise

a premium for these vehicles that have now depreciated, and so you may not want agitating jacked and say ought to get out of that. I have to do right now, when the reality is your cash flow made. Dig you out the next six to twelve months when things come back here. I don't know how quickly you can pay off the dam much profit. Do you have that you can throw out there How much debt is earned its than its six greater fourth grade were we to say: ok, I can make fifty thousand a year and I got thousand origin in vehicle debt. Our then ok we'll take it we're two years and what we can do than does that's the way you look at the math on the thankful and also want you to factor in a percentage of your profits. Not just going attacking, the debt, but starting to set aside some four retained earnings, because there's gonna be more speed, Bob's, just like the one. We have right now and you don't I'll, be back same situation were gone. I have no cash flow and I have no cash and I've got the debt so paid debt in a reasonably aggressive amount of time, while you're. Also setting aside for the rainy day, women is dropping a dump programme as an off road thing in Haiti,

speed bumps. I heard it just happened inside out, for it is on the other that stuff all its authority. They make fun of me. I couldn't resist, aren't Alfredston taxes. They offered welcome that. I Ramsay show a day. It can be where you been long live here. First on collar will, thank you saw it. I got it and he did gonna. Give you a little bit me I get through the question. What are you are you need to go through? The question does not want to run out of time on you. Ok, pressure needs. We have twenty five employees, we have most Roma for one key and since staying there for one key quarterly report everybody's down their asking me if they can stop their contribution until being get better and I am at a loss as to what do I tell them tell them that the market on sale and they should keep buying wallets on sale. Ok, that's what I returned match

that's one of the things that I mentioned, but you know again on their side. They look at while you non contributing this much and we put choice. In the last quarter. We lost Father four thousand, and I'm saying well I mean basically now. I know why you got that not proven not just didn't happen. They did not four thousand in enlarged four thousand once they had unless they had twenty a thousand in Romania twenty five thousand early, when it would have gone down by four thousand. That's true, but the four thousand They put in, they did not lose out to prevent the stock market, didn't get out underbrush and so on. People's emotions. Tell them a bunch of stuff that isn't true! So if your want. One k plan allows for people to stop in the plan and start the don't have a choice: they they get to do what they want to do legally. But in terms of smart thing as a leader I would just sit down teaching moment and say, here's what happened!

after nine eleven here's what happened after. Why to here's? What happened after two thousand eight here's, what and after the swine flu Margaret went down and then, when it came back, came roaring back and you're gonna. The roaring back, because your panicking, which on its not how you do investing in can you ride the roller coaster for the full right? Nobody gets hurt except those the joy often the Miller right. That's what I would call on them to do. Well, a big down it's just a number until you sell examined if you sell at a loss than you lost it, but you log in your Laconia losses, but it's gonna come back up and when it does, and you sell at a result gained than he made money, and I rather because her until the rights over near ready, so on its on top One of the things I try to do is love my people and other folks, our team enough to catch them about life. Don't do this, it's not good You then cost me a dime I've already, given you the money for the four one guy, it's costing, you ran away.

You hurt yourself and hears? Why not coach them through that? All the time, Can common Daniel Party? throwing out six days ago, puts contrary leadership. The theme hour in the books, all kinds of free offers out there be sure and check on him right now, this hour that IRAN's you show in the books we'll be back with you before you know it in the meantime. Remember and only one way to financial peace, and that's the one dealing with the prince of Peace Christ. Jesus the middle of these uncertain times, Ramsay solutions wants to give you some hope, for the very first time ever were giving you financial bees university free for fourteen days of Abraham Zidoc arms like oh, so you can watch from all over Europe

for fun and practical ways to save money in your everyday life. You need to check out the Rachel Crucial, applaud cash from money, Export Madonna, read your crew guises rates of crews, and I'm so excited to tell you about. My party has a lot of you following 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 emphasising at a time of inspiration and practical advice, not subscribe to the rates of crucial pod cast, make sure you today there are more from the Ramsay network, including the Rachel Crucial wherever you listened upon. Gush, hey, it's just producer of the day. Ramsay show this