From the head waters of Ramsay solutions, broadcasting put on our car rental studios. It's that day, Ramsay shall work that is done. Casual gaming and paid all mortgage has taken the place of the Bmw status symbol of choice and they ran through your hosting closed on the air. They result in number one by showing author Ramsay Personality, we're here to answer your questions about life, about money, open phones, Tripoli, eight to five, five, two to five: that's Tripoli! Eight to five five!

two to five germ is whether some type of large and kick off this, our Jim. How are you, how are you guys doing great? How can we help wonderful well days before I'm gonna ask for you is to not yell at me for making a stupid financial basis and are about to tell you my arrival, the first cholera the hour on every year with them. So you're a liar, I say you know, I have been following your financial principles were for a while now and right now are aware on baby steps. Six so were almost done, paying off our home or actually- you know, probably by either the end of this year or the beginning of next year, will be pain, but also a really really good. On that wonderful. I am very upset because week passes into a time share

what an you already know where this is golly, what don't answer we got? Well? Ok! We got invited through one of the timeshare presentations and you know I'll be honest with you, I was really I was relieved to say no. My wife was with me and they were painting a picture to her that I'm a China, blankets, my wife died away, but you know they were paying yet You ve heard, and I was like, all goodness. You know I'm kind of hard to say no peers. My point you bought it challenges with last year. This was like this was last year, We said well, ok, I guess we're gonna get one. So we got one and me. We actually already paid in full and you know my question is should. I still how to get rid of it, because, honestly, I'm just upset at the fact that I even got it all. We in our citizens, we already paid for it, and I know we still have the maiden speech and all that kind of stuff should. I may be tried him take a little better than that,

the advantage of it. You know before I decide to get rid of it Don't hear that you know how I love her paid for timeshare We will do what I don't hear. People by Roy pay off their how should get going by timeshare. Often, but I no- and that is a fairly and I was really upset that does support I'm really upset about gender juice, nationally, see that you got hustled into buying one well so it is only right into the present take when we got into when we got into the presentation really nice people by the way, but now they were like you know they won't take. No for an answer is blown sell because undertook, and so because of that it was like. Well, ok, you know and then virtuous, like. Ok, you trying to be nice, but at the same time you want to get ripped off so You know, I mean with German, making our jimmu rambling listening.

I am doing you're one of useless thing while they just gotten out when we we just got a poker Romania, it's completely up to your brother, whatever you want to do. I think that what you're gonna discovers what ninety seven percent of people discover the timeshare shock and yet he the fees are gonna, go up and you're gonna feel trapped into using that unit you're all the stuff. They promised you about being able to trade points with somebody else. It's not gonna happen and galley industry is scummy scare me and bad news and you're, not gonna, get you're gonna discover you're, not gonna, get delivered what your promised and told by those sweet people who were pressuring the crap out of which cannot yet more on. If you think about it, but the so I mean you know if you wanna play with it for a year or two and discover the all this for yourself, you do whatever you want, do manage your money mean, but I think you're going to get in not only increasingly disgusted with yourself for having

it, but increasingly disgusted with the whole process yeah. I think that's what I discovered, but it's ok, if you wait until you get there before you pay times during the team to get you out why right? Well, I initially I was hoping all man you know. Maybe I can get like everyone, especially during the time tat. I know that not that's not realistic, not for yeah and we re at anything. I would. I would give anything to ask you not to go back in the past and you know now do that no, they don't learn. It arrives the hook once again now

It is gonna. Wanna went on until you get discussed enough to pay somebody get out our but you're. Not only gonna lose the pay a fee. You pay timeshare according to get out of it. You ve lost father, might put into it. So you know, given all of that, you may want to my question. You may will play with it for a year or two and see, but I think I think what you're gonna find is you're gonna, get increasingly disappointed in the organization cause they're, scummy and scamming real and- and I would say this dave- I think we all have to go through our stupid tax bases. We all have to do and I think the warning thing from areas are a couple of things. I tell people you want to make two year decisions. You wanna make a decision that you look back on a two years in your glad that you made it and if it sounds too good to be true, my friends than it is

it truly is out there on the industry. Tonker industry is widely known for putting you in your room and pressuring you like. No one else like no other business does and lying and cheating and making promises that they don't keep. I've had hundreds of thousands of dollars of fines, such a lawsuit after lawsuit for fraud? It's a known, scummy business, most people kind and know that Jim knew that and then, if you know that then there's another part, you need to know Do you know yourself well enough to know that you have trouble saying? No, not me I mean I'm other talk, radio. I conflict for breakfast Udall, problems have a problem saying not now. You know no creation of heard that allow

can just say no, I mean I've gotten real comfortable munchkin Roca for much on that you will be in the room to start with, because being room of people have take a shower after I'm in room where the but David Souffre dinner, and so it's a new revaluation for the weekend. Crappy, but little jumpy hotel room just go, buy you a crappy, but little dumpy hotel room. Your come out much better off diaper. If you know about your. Like. I know about myself that I'm having trouble, so you know I'm still not gonna introduce because I don't like being around the kind of people or just gross, but then, in addition If you're just a personal says, you know my wife is that why she can say no but she's really she wants to be. She wants to avoid conflict with their baby happy and I are by now, happy in so she would be in their if she knows that of herself. She should she knows if she goes on that rooms, but she's got to get tattoos or it's gonna come off bad sort, and so, if you know about your All that you have trouble saying. No, that's right, for God's sake, stay out of those, because,

gonna come out our own freakin timeshare babies like my buddy every year at the beginning of the year. He would go. Look at trucks, told him What is going on is gonna jump digital job in your pocket go get the payment you didn't hear from four to exactly what happened, and God we made a bet goes. I got to trot said you got that payment, the assets stop, looking dummy go home. People, red consumer report. And study over seventy three hours on which six hundred dollar foamed by and then they pulse and eighty thousand for the same. A gun, gossip problem, it's a problem! If you all this about yourself, protect yourself. From yourself. That's a good! because I was you get you get to you get to have these problems and some sorghum sorry, you got there man, but you figure it out. You wondered you'll, get though this is the direction.

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Today by month, when we know what those nourishment listenin to six months under part cast, call originally appreciate everything into force. Annex I have a question for you. I'm self employed I make a very good living one key. I've been contributing a ton of money to between myself and my wife. I got a rental problem that I owe about about Thirty thousand dollars on equity line of credit on so I'm paying it'll be paid off in a year great line by more my mortgages about, hundred and fifty thousand dollars. I've got about ten years left on that I thought I was thinking out, stopping my boy, one kid you contributions for the next.

Years pay off my main house, but then my tax implications would he you know a ton of money, not really. Between what between the my Irish, my for one case, we contribute to the last two years. A thousand dollars a year? You're not doing right now, How am I going to check on fifty four, how you probably don't Ross anyway, but just a what money, hacks application and are not worth what you're losing on the back in because of the Roth Gross tax free, and this none of this is growing tax free, it's all gonna be taxed on the back end and it sounds like you got a couple Megan in their already. Do you no longer have a hundred thousand now? Is that ok, Well done good job! Sir! Your millionaire! I love it at fifty four good job you're, so

but what I would tell you to do is you're not going to be touching. This money may be ever in doubt, you're not really gonna go into it and so from age. Fifty four to age, eighty, four that money growing tax free versus the tax deferral, not not. Now not never pay the taxes, but the tax deferral on the eighty. Four thousand, that your putnam in now, I think, judge the forget the house for a second which the discussion of whether you do a Roth or regular. Because you're not gonna be accessing that money anytime soon. The tax free growth is mass mathematically, gonna kick the tax deferral on the small amount that making sense. Ok normal drives us why they eighty four thousand dollars, let's just say, eighty four thousand larger you're going for twenty years. Ok! That's a hundred at one point six that you put it that way,

grown, though, over that twenty years, to probably close to ten million, cause, usually any got when you're gonna countless twenty years older, older, typically, nine the five? Ninety seven percent of what is in the account is growth? Not what you have put in when you look at your contribution to get to the eight hundred versus how much of it is growth, you'll see what I'm talkin about. Ok, so. The fact that that that lets say out about eight hundred as an example, seven hundred you put it didn't put in and you gotta pay taxes on it. If it was a Roth there, be no tax, on seven already, I understand I you say come up at the next year on a grand and taxes yacht don't do that or come up with an extra two hundred grand interactions later. That's the problem and that Libya

what's your household income right now, it's over three hundred? U Slovenia, and so I mean the aspect of you attack in paying off the house. You can do both. Yeah, you know it's not like. I mean that's what I thought. That's what I've been trying to do in that area, that I would do fifteen percent of your income going into retirement, which is probably about what you're doing and actually pretty close and then than just don't shut us knock that house now that you're gonna get out probably about five years, not turn and you're you're doing so good. You can't really mess this up. All trying to just maximize it, that's right and so If I were in your shoes, I'm fifty nine. What I would do is. I know you're not going to touch the vast majority of that money. You're not gonna make it. You can live off the income of some of it without ever actually accessing what has become the principle that You know about you, put an plus the growth and, If that is sitting there, tax free, it's great

for the next generation or its great for you. If you want to access it, you got enough tat, already at eight hundred. If I woke up in your shoes shut down, fresh, monetarist approach and run the mouth of the male show you I go a hundred percent Roth, absolutely and Dave. I dont think people understand when you utilise afore one key or for three b and its tax deferred. That means you pay taxes, this money later when you pull it out, and so you don't have that on the wrong side at so people are think it attacks the furrow and we're saying no: no choose the non tax option. All the way. Young contact first attack, that's right What is that he's getting up to saying in an age correct about this that when you put it eighty four thousand in a traditional he's, getting shaving point out more on this year's tax on this year's correct. That would about right right guy, but the girl found that is so much more and that all being tax free

Do you know you shaven twenty today, but you're gonna lose two hundred long ago. There you go back no tax returns as accurate. So, even though I do wanna give the government anything that I don't have to that's right. They got a minute. Right because anyway, I don't have enough, because you're stupid what they do sound, misfit toys, but there remains the show that the thing the now, if you of a horizon of ten years or longer before you're gonna be accessing the money Roth versus traditional math most always working he assuming you're, using a good mutual fine with normal growth rates in the market. That's what we're doing is where this will it be reinvigorated Erin tell How are you will go are you with bananas? Are they talking here? You drew my watch up, so I just had a question, I'm kind of what's my next: that's a kind of my financial planning and building well

Jean I'm currently going on to my second, your college, I made around sixty in a year and that these for thy work on commission too, but before commission down, I have all my school paid for, I have a wealth I didn't know. If I should go into like a a low cost index finder what watched him? I must The fact that you gave in asking a question makes you a rock star at nineteen years old. You're amazing did your pair hold you down? All I was asking you slept, bears on tap where I come from. I guess I'm a money Teen mom didn't really started, ensures that fits Until I tell you around forty, a lot of money on new younger like me, but is also spending a lot of it too. I don't want to be put in that position young. What? What? What are you studying sure.

Right now, I'm a major and I plan to get my on the earth, than a year had so I plan to just gonna, combined pathway, finish my our chosen to lawyers and I'm gonna masters- degree, of course, you're? Ok, man you're coming For interest solutions running it, technocracy splice not by my place, goes on others to let him have agreed on by being trained him up. We retire. I Chris now will I love the path, your own body and fact that you are using your parents example to be. Your motivation is outstanding. The fact that you have school paid for I absolutely love that I would would you in the same path that we would tell others the grossly mutual funds are going to be the way to go you doing that it aged nineteen buddy. You are going to be an everyday millionaire on a fast track than many people ever thought. Possible. The thing I will tell you is: not only do you need to play often in building where you have to play defence and what that is is avoiding stupid around every.

Because it's out there, but and just learn to save up pay cash. You can have nice things just slow down and be intentional. Well before you do that? I would add one. What you're pile up a big publication case? Something go sideways remotely scholarships, because the investment you can make in this discussion is called will the return on investment of you finishing your degrees, a hundred percent that free, because yet Lex Tarkash pad in had no love mutual vote. If you want to buy, you get out of school that freak. Do your own places you Donwell way to go about this They re actually show

Why should I get from blinds dog found out for yourself? Why blinds got comes the newborn online retailer of custom window covering should give free samples, free shipping, new promotion? the time always use the promo code, it's magic Ramsay you'll get the best deal Chris. Our question We got it here, Deva this comes from Michael in South Carolina he's, there's something. For my wife is fifty three. We have seven hundred fifty one now,

for one cape land. I hate it when I and I know that the funds are invested well, there performing well got along track record of performance, we're dead free except for the mortgage, which will be paid off twenty twenty three or twenty twenty four. My wife is a diabetic we'd like to return. Five years, but wonder how we can acquire insurance for my wife household income as a hundred feet thousand and we're investing fifteen percent. Do we have it as to retire before were eligible to use, medicate or Medicare. I might that happen well ears, Michael, you absolutely have an opportunity to be able to retire. You guys are focused, not finish The attack in the house can have it paid off it in the next three. Yours tops, but in it was. I'm gonna point you to one of our insurance EEO bees, so you can start to walk and understand, what's available to her even with this briggs. In addition, there are options that are out there. You need to get a prize

your quarters, you can walk through the insurance side on the financial side, keep chastened down, knocking down that mortgage. You can be debt free completely and also be close to being an everyday millionaire. I think you're gonna, the young, barrier for retirement as insurances, and that's the way you raised. The question I disagree with you: diabetes You guys already know is Asia and insurance nightmare, and so you'll have to find the good independent insurance broker, an area of peace are just that, and that means they can among different companies in your particular situation. The phrase insured people use, is they're trying to make a market. If you hear that phrase in your own track make a market means we're taking your particular situation. Finding who, once that type of business badly enough to not

Charge you through the ears for it an example that was you know my home because of its value is an unusual property to ensure and it's an unusual property to sit upon a hail struck by lightning all the time. The stuff so that when the insurance going, they already ensured. Not everyone wants to ensure that how that's right, not everyone! to ensure an expensive car, a super, expensive alarm, and so they have to go find insurance companies that want that type. Business, and yes, it does sometimes come at a premium and but there making a market. That's what you're, looking for and the only way you're going to get that is with an insurance broker, not a captive agents, so you're not gonna, go to state farm and get health insurance. It's not gonna happen, not not reasonably priced anyway right so here I think that

where you put your hustle, and you just continue to add to your seven fifty one k, Ding Ding, you did it and you can t, you too, you know that the house should be paid off before it. Armament and ordinary your numbers here and you ve done a great job does exactly right, continued work. Your plan, push it through and you're gonna be right where you need to be very you dont, good Matthew, Colombia, South Carolina, high Matthew, welcome to the diver him she shall have they address honour to speak. You gotta my long, countless none of exotic that you had a question, so I literally in Colombia who Charlotte Animal down here by my fiancee some area.

Thirdly, we are on the list. I never ever now with corn about his waist and one on your work from home, and I went back toward me at my job cite some kind of on board is about. Hamas is to do my job jointly with the home that we had at their reproaches I'll, just how difficult this option of how to make sure that in future the home in common, a? U you speak about survival, what is more advice about something about you and as far as keeping their foundation together when you get married somebody first, why We want a new year waiting decided celebrate new year, but I've got one kind of the flare did you don't own the house? Your and together she owns right now I up we'll ion we altogether. You only together both your named her on the deed more by laying down the seas on these above yet will hopefully now crap.

Ok and you own the house from before the relationship back and Charlotte right now to move the Columbia report. He has enabled the Columbia okay, so you have is or two houses involved or one is one got confused, I'm sure ok, Well, I mean you, you knew what ever you wanna do. Obviously your grown man. You call ask us what we would do. I think you're in a perilous situation legally in relation really and spiritually So if I were you, if you were my little brother but my arm around USA Saturday, marriage Saturday and a bright new year's an anniversary of your wedding six months from now and Saturday because You are not a what about you you're, trying to act like with your and answers that you're married and legally you're. Not so really what you are. Is you own

home with your roommate. This is, partnership with no partnership documents. Let me help you with this. She dies a car wreck you now and she didn't have a will- know that, based on the way you are acting, she doesn't it Are you now own home with her mother and father? sorry right here, this is the I'm gonna be aware over the last thirty years. Is the problem of setting up house before you're married because a set you up and everything is it sets up our council relational issues because you it's hard to combined money when you're not have not combined. Your thanks are all of that to say spiritually emotionally, financially earliest legally not real romantic, but you already, but your to culture, to cut your pathway or so Saturday, I'd be married,

Therefore, unless it's Friday, but Greece, where you want it now, I am in you were talking about. How do you keep your incomes that what line a worker you in Matthew Work? You operate, ineffectual, apparently I'm actual that go sailing idea, ok, that's how you get your ass out. Yeah me, you, you wanna, be super intentional, with what you're doing as your working and in doing whatever you have to do, but I agree with they view all going to get married, gettin focus being a true team, and working together, then you can be an alignment and start a really set goals together. I encourage you all both to go through financial peace once you get that situated, get plugged end Ramsay Blossom. If you get married, Ex thirty days I'll give it to. You was given to you anyway, Norwich your wedding gift, the hanging, your god I was trying to motivated, are now but ok, it's like Santa. I well. I wouldn't want in the first parliament. Also now I gotta be Nigel you're soft, now they're gone you are completely interfered in his business. You gave a good guidance because

You're call me about that, but here's the reality here, I'm not standing that under the house with these two people, her parents, that he has no about. We ve seen it was going to sail. We ve seen this Ngos gonna, be legal fees, know you're, absolutely right. It is a financial nightmare and so costing people out there just slow down people. Slow down and think ahead, get things like that that there's a study that about doing things in the right order and how that is an indicator of wealth. And had done apply, necessarily Matthew situation exactly, but the buying a house before married togethers in the wrong order, ah meant because it can cause you so many troubles and that's all I care about Matthew only trying to help you and if I got up in your girl too, quick, I'm sorry, but so, but there they are whole poverty study the talks about, if you will gradually from high school b,

Were you get married or have a baby? If you will get married before you have a baby, though they call at the success lineage linkage and almost all of Europe Verde Data, is when you get those three things out of work out of order. You start by before hush go abroad? Grad or you don't graduate hush go if you will grant from high school be over twenty twenty one before you get married and wait until then to babies. Your chance of being poverty. Go down like ninety four percent, that's what the data shows. It's one of its cause and effect monsieur which ones causal which ones the result, but it's there. This is Dr Weir amnesia

thanks for joining us. America were glad you're here, open phones, AAA eight to five five two to five Dara gives weathers in Denver. How Derek Walkin around Russia My call both of you sure, what's up but he met somebody, I apologize if at a little nervous yourself, I talk to closely monitor that Madagascar Whaley December of last year, and he was taking care of my Bob in the house the matter is now and assisted living with it. We ve got a good position, good place for expenses or forty three to forty five hundred a month, but she gets intention of about two thousand. We are selling us over

just about the clothes on the house that they lifted, and God put the house, and I trust that technically my sisters and I but we all agree that a good natured sisters- and I beg the money- is her to take your mom. When all is said and done after the sale, from tat gains alone, repay from sale expenses? Worse can be about a little over three hundred thousand dollars left Does your mom to my question. Gonna turn eighty one in October cities, eighty right now how's your health. Oh not great, but better case, she's she's doing is tough times for Europe.

So I'm sure why interrupted you, what your question is the two per question. One is once we get the check for the house of the little over three and do we just put it into one account and pay all moms expenses out of their? Do we take some of the money, but it is in some kind of high interest earning account in the West Bank account hey expenses to distribute the money between all three kids and then say you got you know yet the pay this much of a month to cover moms expenses or they'll get up the first part of my question. Since your sisters in agreement, my opinion would be a crisis is but my opinion would be three hundred thousand invested in from good mutual funds. Here's the thing your birth rate is about thirty k a year from now you told me right, you're between five hundred a month in the hall right. Let the other idea that be thirty. You shouldn't you should forty three hundred into them

right correctly I heard twenty five hundred dollars and that's thirty thousand hours. You show your birth rate is thirty K. You need thirty carrier, give three hundred produced ten percent. It would produce enough to support without damaging the three hundred. Now it won't necessarily do that every year, some years it might produce more some years it might produce less, but even if it averaged ten percent, you guys are basically gonna end up with close to the three hundred to distribute to the three of you when she passes. If you can get them they took invested in it. You see what I'm doing if it makes eight percent, it's gonna eat some of the money. If it makes twelve percent it's gonna grow, you follow me, does you need you need thirty out of this money and if you can make the three hundred produce thirty or more, the whole three hundred will still be.

There you see I'm doing the mouth yet to do so What I would do with it as I was shut down, will want to smart rest, reproach ourselves from mutual funds and try to get something this fairly stable, probably some growth from growth in income. I probably would stay away from the north. International mix on this and I might have a little in aggressive, but I don't know that it be a fourth or third but sit down and try to get together portfolio, but how yield when you say that that usually means cds and that's gonna high. You'll see these two percent, which means your boss. Thirty grand a year and after ten thirty. Three thirty three thousand has gone their day. Yeah he's dead and I want to tell you this. Here's the unique thing about you all situation that I am proud of you there when your sisters or an alignment tat, you know that that's like a rare unicorn, type situation, and so rather than too.

Wait on that. I think you take is save suggested. Put that in a gross thought, neutral VON. Have this awareness and understanding you know you can have the document drawn up that you know what happens in case. One of you, whoever there is exemplary, is you want to have the source personal secondary, but the agreement is, as the primary goal of these funds is to take out your mother and whatever's laughed when she passes distributor three ways then, rather than anything, if you not elect you were managing it or one, your sisters were managing it with smart. Mr Pro, each one of you can get a statement every month and see what happening with the money. You know you can look at it and you mean Doolittle Review over the phone once a quarter right national carriers or we are you not weep. Needed. Seventy five hundred dollars for this quarter three months at twenty five hundred in the mutual phone made ten thousand shall work. Or we grew a little this month or it made it made. Six thousand- and you know,

eight fifteen hundred of our money. You know, and you just kind of review it show that in if you'll do it incrementally, throughout the year at least, once a quarter every six months there. Later on, someone doesn't look up and got my haste. Thou mommy, that's exactly you! Now! You don't get that later. We all know that without what he'll Billy's do me? That's what people like me This has happened to be married to crazy that that's husband or spouse could cause that ripped so stay. I take your your mom, you guys are a lotta communication, yeah communications key and, as they said, get that copy the statement everybody. So we all see everybody's on the same page and we can be You know what I'll go further, quoting than just write it up a little agreement. Job Wanna, take your mom with this money job too, is how the money invested swear. It creates enough income to hopefully take em without damaging it. And in job three is to distribute the money equally and have the community

lemme upon moms, passing and, in the meantime, have quarterly update. And everyone. She usually account and knows going on and can discussion of input boy that eliminate some drama manager, because what happens is that people want people, don't know what's going on and that's when they become crazy? Oh yeah are ants. I'll come with congratulation hats. After your family's beautiful people, there you can mediately allow you six years ago. This is not about you, getting money and going off to Vegas you're goin on a trip. This is about, like you like a where you could go on right now, but but you know you about taking her mom, which is as it should be, its words was blown away. It was our freakin house, you know so there you go while good job man well that's just some ideas. You could go out a lot of different ways, but that's probably how I would do it when that's come on what this place.

Now. How can listen? I would note that I presented my coach today, Ramsay personality Chris is another. Greece is in Boston, Christian Boston. How are you hurry up better than I deserve. What's up about investing in my side has also our full time centrally doo doo. Firewood on side in Europe recently was that my logs glitter obviously brought so my way of money. Aside died question about. Do I just get it going again and you are well aware, you're gonna get. Nor do I try to invest in into one. Oh, how my productivity, More millions I saw how much you mentioned one from I shouted image. Pudding word how much money made again. You're on the side anywhere from a thousand dollars a month, eight hundred evaluation, which are better cost, probably,

four thousand dollars for the one I looking at for five thousand and I shall launch, dug it break even and that I spent in on sign it be surprised to seven months you're on the cat. Is an on than ever to the market in paying off all my dad and so you know what I'm gonna do Repair, they all want elmers glue, rubber band, duct tape I'm on a repair, they all endeavours. Anyway, you can what broke on it. I draw a line then catching fire, the hydraulic line busted and caught fire. Yeah, its oil based now allows a day is fire when they see not what burned alive.

The engine. The engineer felt there like a lotta. Ok, I'm going to step to them by used less are three day other grounds, rental, once gone, yeah yeah abounds guy he's trying to justify by new equipment the way I do not have enough. I wouldn't I would spend that kind of money and all night cover return. If you can make money back thirty days or sorrow shown by the step to fine but not seven months, done it before those blind. It's not fun like real work, this Did I rams ratio This is James Childs producer of the Dave Rams show on your smart speaker. You can add our skill by saying the Lex open the Ramsay network, skill from there. You can listen to all our shows Ass day, money. Questions like I do. I invest my money or what is the debts noble, find out more day, branding dot com? Slash marks,

have you got questions about retirement, investing becoming an everyday millionaire, gulp, beggar and broader with my man Chris open on the crisis in Georgia. 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