Why wouldn't resolutions water from a dollar permit issued? This is the very brave show where America, for example, have a conversation about your life more money. I presume you posted along with me. This always got the job Bologna and we are very excited to be able to talk to you about the questions that you have so here's the deal call us telling us by ready to take your call, eight hundred and eighty eight two hundred and fifty five, two hundred and twenty five again, that's eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five,

very excited to be able to talk to you, and the question is, on your mind, John you are taking off your own John D, show we are in it by the courage. You have become official, You're gonna have new episodes every Monday wins they Friday, Sir, on and on Youtube, and you can hot down the show anywhere that you listen to a pot gas you're gonna get real work on life relationships as well as mental health challenges threat were taken, live calls it it's a good time, and that is very good and listen. If you're out there you're feeling that the chaos and the clutter of of life and though motions that it can bring. Maybe battling some depression or even death action at the time for you to be able to get some clarity, get some guidance, it takes a real man and real woman to reach out for help. It's good to have conversations? called or email John. I want to give you the number

Dialysate, four hundred and forty six, nine hundred and thirty three two hundred and ninety one, eight thousand four hundred and forty six, three to night. One or you can email asked John, at Ramsay solutions. Dotcom, very excited with the new show? No, with kicked it off. They had lodged and you ve, gotta, be pretty pumped up to. I'm excited me, I'm a guy who his only listened two or three podcast, pretty one javert really, but almost yet we Haven't apart, guest Oberlin subscribe to it are not suit, certain without even means, but they that's all There is good on internet since ascribe to the EU to be and the bike ass. Well, a devil want to check it out this. Well, you can let you all know you can check out. My shoe was well the crossover Joe get connected. You gotta Chris Organ six dot com to learn more about it. I we're ready

your goals. We got Tom on the line and Tom from in Annapolis. How can we help you? Oh, yes, thanks german approach, energy all ticking time, setting a phone call sure, here, I have a pretty unique situation in anything right. I think at this point I have a daughter who is she's. A levy is all right now and she has been true. Sixteen different during the last decade. She then she's got everything from cold syndrome stage one whelms cancer she's relapse three times in private. Being from Kyoto radiation. So, or can I tell her a place where we're out of options and socialism clinical trials right now.

Reilly up here and we ve been battling with that's right. Basically, over a decade, and so let me she is that its cause, obviously that issues is financially impact, yes, overlapped, Several years also has caused me to reset my life than a sense that all life stepped out on me a few years ago and so had arisen, life there, and then we had a lot of debt that occurred because of the medical, you like, and that those an ongoing my remarried today you ve, been married for about a lower year now and and so is that of life or where we start in life again, and so I've been through the day, Ramsay Programme in the past and I have always been challenge because of this particular situation. And so on one hand, it's like we

familiar with a lot of its ups, but issued daunting because things lad. Our are somewhat nor more like the beans and rice diet right now going on vacation the not doing certain things. I have on child, you wear it balance in this kind of situation because they were told by how is that We were not really like we're. Not really sure you gonna make like Christmas, or next birthday were told that every day, a year after year, it's just like good green How do you? How do you not know, take this kind of thing by where you you can't really plan for the future? beyond unspeakable storm at first and foremost, you're talking to make forget all the monies to every second you're talking to a couple, a dad too, and so a couple of

folks who have two of our hearts running around outside of our bodies also, and so on behalf is everywhere on site at this sucks. This is not the way it's supposed to be, and I hate that you're going through this man and you bring up a hundred good points, starting with the hardest. One is how do you and wrapped around tomorrow. In a dialogue, it looks you in the eyes, as this may be it today. This may be it the next day. Maybe it may be it the next day, so, first and foremost twentieth Tom, sorry, man and our thoughts and Persia with you and with your family, with your new marriage and with that baby girl of yours Rob Tom online, but I think my ribs yeah you, my heart goes out to you that I think, first and foremost, what you have to do is to almost reset for yourself. Nobody should ever have to process, and here the information you ve had to hear. I M here that information from dark.

Yours? At any point, but I think, as you talk about moving forward in your life and resetting, I think it is a matter of really acknowledging and looking at what it is you're going to What's your new normal gonna look like, and I think that's a matter have taken some things day to day, but at this to being able to give yourself something to look forward to. You have spent the last eight ten years kind of on hold and in this pattern- and I think you know it's going to be important for you to be able to reach out you connected- probably with a thing- to be able to process your emotions and what it is your feeling, and as far as the the individual side of being around some guys were you can be a man. You can be a dad whose heart hurts and figure out how to what's next. And it might be a matter of doing a marriage counselling with your new wife to be able to unpack and look

get some of the old scars and thing? So we don't let old hurt, do no harm to your new day, and Those are things that, as you talk about him in your upright and open, it gives you an opportunity to in the process. Some things that seem unfathomable rights are even go one step further. In the last ten years Tom your life has about hold, it's been in hell, it has been absolute. EL, into called anything less than that is, is to not do justice to the situation. You, your ex wife, your new wife, in your baby girl going through. Neither could you ve got involved thanks to the harsh reality in an eye I commit to always tell the truth, so the the harshly you have Tom is that the doctors are telling you that your baby girls, not gonna, be with you much longer There is a financial reality to that

a relational reality to that, and so, as Chris said, surround yourself with a money professional sir, on yourself, with a marriage professional and surround yourself with a community of people that you can be whole with it. You can create with in the? U can flat beekeepers. Can win because the last decade you walked around you ve been the muscle in the iron and steel in that's gonna, crack and half. If you dont have a group of people that you can let that out, but so truth This is the day. Ramsay show where are we all have enough on our plates right? The last thing we need is to not get a good night's sleep. Think about how effect you're gonna be during the day. If you can't even think clearly, because you didn't actually arrest that's

other regions, I've been recommending, tuft and needle my family has their mattresses and they start as low as three hundred fifty dollars blush. Try it out. One hundred nights risk free, go to tee and dot com. Two figures out they ship to your door for free that tea in dot com. Reward this. Would they bravely show Criswell give their posting along with me? You ve job bologna, and we are excited to take your goals I want to let you know. I know there has been a lot of things going on this year, Europe. We ve gone, maybe getting low, but I want you to hear me loud and clear: Roma What happens? Do not catch altruism one day. Yes, the government, The sitting was built early this year that law before we can withdraw penalties got rid of it, but I want

here. We do not take money for one k, your former case Therefore, emergencies is not there to pay off debt. It's not even there to help your kids get through college. Its! Therefore, one reason and one reason only and that's for your future, the only time you should even think it Touch of one day is to avoid a bankruptcy. Were foreclosure? Let me repeat the only time would consider turning your forward with an early withdrawal is to avoid a bankruptcy or for closure, and that's only after you, ve exhausted your emergency fund, as well as other options, otherwise tighten up your budget cause the baby steps. Take care of the four walls find some part time work, but don't you in your future. For for some quick money, and if you ve already drawn money from your forward gay and up tat. Some people call in Alma show the Chris open don't tell me so well, it's time turn it around and say never again. Never again welcome!

oh my poor when K for a temporary emergency- and it's not too late for you to change your future, your first step is divine. Someone will hold you accountable and guy drew and long term investing you meet someone like a smart rest or pro Godaddy Ramsay dot com, slashed, Smart Vesta and will help you find financial adviser in your area. Today, again, that's Dave, Ramsay, DOT, com, slash smart fester. You got a great opportunity to be able to locate someone that can guide you. You can also find about my website Chris Organ three sixty not Click on the dream team button get someone in your corner that you can have a conversation with about your dreams, your goals, to help guide you, it's so vital, and so very important. Aren't we're going back to the phones we ve gotta Caitlin on the line and California Caitlin? How can we help you hurry. Thinking for seeking my car, I'm I'm financial question away.

I'm gonna, be sport into our my husband and I were really good. We kind of dinner, we'll babies have wine doing away with you for a while, but we cannot because Everything going on. We both third up, I'm our emergency fines to about three months I verse is just a thousand and so We are now in a position, though, unfortunately I will have to be going into do get medical expenses and insurance does not cover. It contains a specialty doctor, I'm gonna, look we're looking at about between ten for upwards of twenty thousand, maybe where medical bat The only that that we actually possess now is on twelve May then, in her in the front row he had credit cards. I always try to fix their political foundation the very low rate

to be to mitigate entrance there even got on. I don't have a credit card that now we have about three thousand left on our car, don't you like a hundred and fifty or monthly payments, and it's actually pay off and stop I'm so we ve been pretty good. My question is: why has its three month, emergency fight, which is about twelve thousand dollars, and so were kind of laying do we just take I'm on the medical diet or do we liquid e? Potentially emergency find, but we still have anyway after we liquidate, so we don't know how to balance sorry to hear about the surgery. Obviously, when you start to get into medical and health issues as a involved emotionally psychologically, so my prayers are out with you as well as your health. We thus what you're all household income

I thought this year, we probably will break- maybe thousand on am I just had to leave my job. No should break oh you're, a hundred twenty human fell, the like a concoction way, I'm, but I was making sexy, but I just love my job because of my whole decide it wasn't a good faith, So I left my job and I'm, but he and he has a job where people to cover basically our basics- I'm you know refer Have you met that, but you are able from a health simple, you are able to work. Yeah, king at new jobs. So I dont anticipate sir. I am perfectly qualified I have a new job within the month. I'm not worried about that. I'm so I guess a world projected About one twenty grows ended maybe take home seventy or got

So what's your question, you want to know shit use your emergency fund to be able to pay for the surgery. I would say no, because you want to keep that cushion right it not gonna, be able to have an outright. Is your huh job stable stable, like you will have. It is in fact the like how much money comes in for a month. I think so. Well, my few doing better. Now, I think the woman for about thirty five hundred take off and his black smoke was really good. Almost six thousand take home, so I just without I had these studies job and with them. That you know you wanted that emergency fight for if anything, goes wrong and could pay for. Like good beginning appointments of this medical often cause it's like seven hundred dollars per complication are appointed. Ok entail rotunda, hoping for that. Do you have any children, I'm no!

and we don't plan on how to have a future that occurred at home. Will it take you to recoup from surgery. Have you heard so it's gonna be like, depending on the planning, what they do, I'm it can take anywhere from a couple weeks to a mile how ever I should be I've been walking after a couple weeks ago Might like I'm in four right now and probably after the surgery. I have to go once or twice a week if it got there p and you guys are currently are you on your husband's insurance? Now? What do we actually both have visual plan, drive because I needed a very good health insurance. So I paid five hundred dollars a month and then he also his he pays five hundred dollars a month for insurance? What's not very good, if you, if you paid an extra effort, then I gave your health and it didn't covered Unita.

But they dont have a special about that at all and for what I have you have to have that particular like very good specialists and day to go in to pieces. Cut you open tied all my cocoa either time by have you talk to them, a surgery, cash option. These have constantly lower yup ended. I've heard of of It has been done at fifty percent at thirty five percent of the cost a tremendous discount if you walk in and they will push you around and also well, you know. So I want to speak, the hospital administrator and I want a cash optional, give you a they occur in. Writing will tell you what the cash option would be, and you may be surprised at how low you can get the Carter surgery. Does her task doesn't hurt to really

I used to do that when I didn't have insurance. I haven't talked to this yet there's not a chance in the world, I wouldn't have their conversation. All the worst. I can tell you know best. I can tell you is not ten grand off. If you pass up right and even Kate leave, even if you hear no, I would still only here not yet like that's that's the thing there, but you know prayers go out to you with this the in talking about it. Obviously, you're not dealing with something that is an elected surgery. It is necessary, I wanted to say the day brings about comes. You can get connected to one of our insurance eel bees, just so their able the thumb through look at this and understand what it is you're doing and the best option in approaching this, whenever you're talking about dealing with your health, obviously were not trying to labour anything or put anything off the mindset,

out. It is gonna, be obvious if you have to take on this than to be to get the surgery want. The mindset of attack it and get it out of your life, but you're gonna have to tend to be living as your recuperating two months too two a month, so you know you want to go into this with your eyes wide open. Please get with that, reveal piece. You can see all that duct tape mix all has adopted, tease across you could feel clear about your path. This is that raids issue. A business owners and anyone who has to talk with customers. Often listen up. You are the backbone of.

Freaking economy and just by staying open to serve your community year, providing hope to your customers. That's why my friends at podium want to do something special for you. There offering you the opportunity to text your customer base for free, so sign up at podium, dot, com now and join our crusade to communicate, connect and spread hope, that's podium, dot com. However, when you are listening to their Abrahams issue on crystal getting close along with me, this hours down bologna as we take your questions on life and money, As you know, we are excited to talk with you as always, and again one remind you if you are in the area to come by love to be able to see you here as we do to show we ve got bakers Kathy over there Miss Melissa is

willing to help you and give you some of the big goods that God, we ve got our obviously the bookstore over there were you can peruse and see the books, and Now that we have gone on but we'd love to be able to see you it's so exciting to see people live on it. Free stage celebrating their momentum and their focus and but you know you can come by and do the tour and walk away that at any point in time, we'd love to see him. I would get back to the votes we ve, William on and Fort com in Colorado, William. How are you Are you doing her job? Like all the body? We are focussing our finnish. What's on your mind, and so I got a good question about mine, I think I'm curly on eighty step for also while trying to fully favour doubt they were not a house, my question once I reach my six thousand dollar back to fire, the testing by fifteen percent income. Should I just keep threats to that

to mutual funds over. There is something else that I can be or has recommended to be ended, into an fired retirement Should I be putting that towards saving for that down payment on a house without checks out back, ok, so couples So we do William. So in talking about this, we talk about the home down payment as babies. That three be so that's after you get your fully funded emergency fund She would do as then focus on the home down payment, in place. Then you could move to investing. So it sounds like you were already investing on baby step for yet there, okay, so mind, set as you look at this. It would be a matter of you determining our what's the range home, but I'm looking to do what I'm down payment of ten percent I'd prefer you have twenty G get avoid p m. I, which is private mortgage insurance, but you Can it that an understanding? Ok, how much you know would that ten percent look like, and so you could pause the investing to get to that. You know it is your call, but its clear

more simply just to get to that number and have it just open the money market out, o God sends you can't get that down payment. Think that vote is liquor and then what that's right and then here's the thing William people have told me will Chris it might be five years before I looked by well, if that's the case, then maybe you look, it put another gross thought neutral fun it's gonna be there for five years or more, but if it's the likelihood of you a home in less than five years I wouldn't invested averages sit. It opened the money market out, let it sit there. You what's there is no risk being taken with it and you can get to it when you get ready. But that's kind of the mindset around that in that flow in that system and so forth. Well that are new out there. When we talk about baby steps There are road, that's our road map, it's the recipe for how you can get them from being. Balls uppity eyeballs in debt to have some freedom and amazing, giving baby step one

saving the thousand dollars baby step to us. Where you list out your debt, pay it off with a debt snowball, smallest two biggest we're gonna attacking The momentum baby step three is where you have to fully funded emergency fund of three to six months have elapsed. The citizen, a money market account and then baby step, four five and six, do these all at the same time, babies that four investing fifteen percent of your income baby step. Five saving for college the six pack up the house early and then baby steps. Seven building under the greatest thing, could ever do with money? That's give up your out there. And you're sick and tired of being sick and tired, I would encourage you to get plugged in that this road map to this work process. It will help you change the game. Are you go to day rancey dot com we ve got Ramsay Plus, which is an incredible opportunity for you to get plugged in to get community tools, I was tracker. All you gotta do is text were trial to three three seven. Eight nine hear me text the word trial to three

three hundred eight nine and you can get jump started you're into plus right now, tools tracking as well unity and connection, I'm Tilney people, it's a game, changer and it'll help. U turn things around. To the votes we gotTa Marisa line in sandy Amerika? How are you. How are you all took about what's on your mind, I was wondering I'm currently active duty as wondering about the home, even though we alone this is renting and using it. Housing allowance that pay off that Moreover, how lonely view served about yours. While thank you for your service, what branch or u? N, I'm in the Navy, ok and do? You know how much longer you thinking about serving I actually getting out next July next July, and so are you looking at

in California? Colorado where you think it surrounding area. As you get out. Do you know You're gonna be doing I'm going to school full time, and I should still receiving be having allowed after school full time? here's the mindset around it. As you look at I want you to be very careful. Ok, I mentioned a couple things the AIDS. I know loans are set up to be able to help our veterans, and you know I acknowledge it, but I'm gonna tell you right: a convention alone is gonna be better than to be loan rate wise and it's not gonna have some of the loopholes and fees associated with it. I don't want you buy it until you ready to buy okay, and so what, mean by that is, are you planning a b. Are you staying in the California area? Ok,

How do you plan to be in that area after you get out of the military oh my husband! More be attending grad school. We he'll be in school for the next three years and I'm assuming I'll, get down with scorn the next week or so over the next five at the least better. Look at it back and do you have any other debt, let you out. We bought a car last year and then we d have his student launder it now how much stood alone dead does he have at the end grad school. He should have about sixty Kay. And is he in the military as well? Now he's ok, all right, so here's the deal until people Morrison You want to buy a whole when the time is right. People will tell me what Chris the mark is doing this or interest rates, dont care, dont care. When I was about his Europe positioning. Meaning are you ready because

If you buy one before its time, it's more of is a blessing at stress, your situation. So I would want you guys to get out of debt, build up a fully funded emergency VON Vinci for the home down payment, and you know John. It sounds like a broken record, but that, though the recipe works in its oh tempting to be in the military and you think you're doing something patriotic to think me, and this is the his path and work. Regional alone does, is it puts a hurdle in front of you? You shouldn't new House unless you ve got that ten percent down that twenty percent down and it feels it is vital to slide on in their browsing. You find yourself, would realer feature upside down in your own house at a scary place to be right. Now it really is saved money due at the slow right way, there's no short cuts and others all these programmes at their there's. No short cuts is due at the right way and listen for people that are out there. A bitter, renting, renting allows you to sign it.

You time to either save up money to recoup regroup, it's not a negative, and so you know you gotta be kidding. About where it is you're goin in what you're doing, especially in California market, where my goodness they charge you for its Korea in either rented some remedy a few years, the US two and a half years. I was running so it's it's a portal. I forgot you little kids and they had a great life now my wife to integrate only we all did great and so there's just seasons, weren't slowdown, Savior money. Do it the right way, there's no short cuts that the tortoise always win nor here's. What I want you to do. I want you guys to get over into Ramsay, plus and I text the word trial to three three

in eight now actually forget that was given to impress on the or that let's go, let's go, let's have votes, give versa bedroom. Let's give it a lot earlier. Ramsay, plus your job I'll get your debit card for we could answer I had, but now I think that's a great idea resembled you and your husband a plug in every dollar one. You guys on from the budgeting side of it, but being able to look and get together on it and again, thank you for your service to come I want you gotta get online game, gonna lead you to a destination were travelling and you can do this and we're glad to help This is the day brand to show.

In order for this the day, Ramsay show I press. Ok then posting with me is John Bologna were excited to take, The questions as well as your calls just want to remind everybody that John has got launched his first ever doctor The John DOE Mony show new episode every Monday winds they Friday on Youtube and anywhere that you're Listenin pot gas? You can find him John Bologna on social media wanting I urge you to not only get plugged in with him, but also call it. If you ve got waste quest, relationship issues things that are on your own mine. That desert deal with family or or co workers so great opportunity to be able to have an outlet to reach out to communicate about? What's on your mind, some guidance right, the worst thing we can do

the isolate and compartmentalize allies need to open up, get the right kind of guidance, get people around you that care about you You need to call and check on the show I let's get back to the phones, we ve gotta openness, here we ve gotta, oh some spam- guess? So I got Thomas and Marisa. How are you are you got there? We're doing great it's great to be able to hear you guys tell me, you call and from and the Denver Colorado that you guys are just on here, because you have a question you, shame on you to make a statement and a celebration use. A debt recall correct we are having a terrible time here. You guys, can you guys get closer to the phone yet Ok, then, Marisa kid, the closer you help me

thousand, every guess I'll tell us. How much did you guys pay off, though a hundred and seven thousand tat none? hundred and seven thousand dollars in twelve twenty and twenty ok twenty months was the two hundred and seven thousand. What kind of debt was that we had one thousand in school alone? Than why were ok the student loans. Was it both of you? One of you tell us about both of us. Then the car loans was built for that was well. Ok. So what happened? cause? You guys get serious about attack at that and not just listen hang around, while she was the little night she stood daydreams ease name unless Non Abrahams in the truck,

when I was written with a GAD right and kill. Coworker told us a little bit about his debt Bree Journey, and yet you gave us a total honey make over and ended up. Reading one night, I wonder what books have written in one day This did bill from their Thomas Immerse, a bootleg, untollable makeover very understand. Morning he said. Well, maybe I knew that it was the yes, you guys got serious about this. So what was the biggest sector? eyes, Marisa you all made in this journey. I mean what we wanted to do. You know it had to say: don't you you now going out. As my chin, some trips here and there but we really prioritize that throughout their two years, that is good

but what about for you? What was your biggest sacrifice? Yeah? I gotta sacrifice. Let's just you know I loved you like or saving the camp telling your sacrifice. Just now what were in that for the long run here we can sacrificed a couple of things here and there going out and few trips here and their right to the long run for both of us for a marriage and just serve our long term financial journey that is, they Jessica. What was jewels household income? So sorry about that about one hundred and forty thousand. At that time I took a cat and dropped down to about two hundred and ten. I household incomes, ok, and then we ended around two hundred thousand up towards the end. While ok, you guys that little bit of a roller coaster there, but you attacked it. You got intentional.

Your biggest cheerleaders throughout this process. Clearly ears was down deafening. My co worker Josh saddened to Jost bought out there like family and friends. We had a lot of friends from our church groups supporting us well at spent ass. They, while received the pictures you I am so proud of you, so I want you to do it less care. Yes, I would account it down. I wanna hear deputy scream we'll get muslim. Orissa, Denver Colorado had paid off over a seven thousand dollars, income range fluctuation from one forty, two wantin to then now hundred thousand eliminated Dude Loan Dep eliminated two cars, Thomas Amorous account it down. Let's hear a debt free scream. You guys

tell you something hearing that that never ever gets old, because what our people that were committed and focus that intentional on making sack vices to make some great things happen. Nan and ears thing Why works its way, but it always seems to work this way when you can sacrifices. You may see. Every journey you may see your income did, you may see senior year rule she gives get rattled, but he dropped what for a thousand dollars and then suddenly finds it. Sir, another seventy ride. His marriage is greatest, kids are going to come into the world and never know sick. Figure. Shackles. Oh yeah go! I liked where you put them. There never gonna, know you're gonna have to the two parents who are free is a bird who earn thing, and then I thought I declare my hand in their energy money. Last an antipathy people will think. Oh, my gosh, it's our possible can't do it! Yes, you can. Just them

zero again and being committed to it, not just making a one time decision, but it actually becomes a. Early decision. You have to keep yourself motivated loved a lover. Eleven, I'm proud of you guess, Thomas a mirage around I'll have done a fantastic job. Well, I want to share the scripture with you today. This is from Titus to seven. Show yourself in all respects to be a model of good works and in your tea, show integrity and dignity is from Donald again and leadership is an action not up section. That is absolutely powerful, as you look We talk about leadership. We help business all around the country we ve got the entry leadership brand. You are a leader or a manager or someone that's trying to grow as an owner want to remind you to get plugged the bat brand. So you can start to see and understand what it is to do. The exact steps to be able to take. You know how

let alone and its important understand what you can do to get some guidance Chris, just taken as moment for a shoutout. What somebody who to leadership whose somebody, linear life and taught you how to being a lot about, I would say, are coach cabin Donnelly was my head coachman and football, which was an amazing man just to be able to see how he that only connected with us as team members, watching him interact with his coaches. He empowered people, he believed in you. It was amazing just to see how he could connect with em. Because he had a genuine care for people. He just What about you, man, So many, including my dad and several my bosses and one that pops into mine, is Randal demand and alone. Pops in mind is John: we'll talk guys who, like you said, were both great husbands and they were green dad's in their own right, but the nay leaned over and said. I'm good, investing you John inside and outside of the workplace and they came.

For me, as I hope the accountable said, hate, that's really stupid would say that right in or that's not what leadership looks like leadership is the hard hearted up behind closed doors and nobody urgent and those the investments those men put my life. May I could just go on Christmas in ships. Directives go on for days and days, David also leaned into me in and taught me what leadership looks we both is starting coaches, Ernie Horning Dave Campbell, Bruce Owens, Bilge, Cronan Amy, just go on and on, but it's awesome when people take the time to invest in you and that might be a conversation, it could be having a cup of coffee, don't encourage you out there. One of the things to do is whenever you kind of feel like things are tough, for you make sure you take an outward look, find some people to invest and find some The? U can mentor up or down at matter the age or the stage is just about the heart. Well, listen. I want to thank Sir James Styles, so

producer Kelly Daniel. I want to thank all of you, Amerika pertaining here. I want to thank Doktor John, the lonely for hanging out with me. It was good to hang out with you about it and also with you. Man thinks Chris absolutely and until next time remember stay up, stay focused they positive. This is the data to show Missus James Giles producer of the Dave Rams show on your smart speaker. You can add our skill by saying Alexa open the Ramsay network. Still from there. You can listen to all our shows acetate money. Questions like I do. I invest my money or what is the debts noble, find out more Dave, Ramsay dot com, slash sparks

Have you got questions about retirement, investing becoming an everyday millionaire, go beggar and broader with my man, Chris Open on the crucial genscher. I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building well investing and how to become an everyday millionaire subscribe to the Christian, ensure wherever you listen about gas hates J producer of the Dave Ramsay show this