Hey guys before we give the today show, I want to remind you that our first ever smart conference lives dream is this Saturday November seventh- join me, along with the Ramsay personalities and special guests to help you chain your life get your tickets, a diver, dot, com, slash events and use, a promo code, podcast ten. Now,

let's get to the show from the headquarters of Ramsay Solutions broadcasting from the dollar car rental studios hits. The Dave Ramsay Show work that is done. Anxious, king and paid off home mortgage has taken the place of the Bmw as their status symbol of choice. I M D Ramsay your host Michael hostess, our Christie right, rambling personality, number, one best, selling author, open phones, a triple eight, eight too. Five, five, two to five. As we talk about your life and your money, triple eight eight too Five, five to ten five and Christy

what kind of soft launched and talk to last week, but today's the official launch on the new devotional that you, living true forward days to get back to you? Yes, I was so excited about this, because this is such a pain point for women and I think what so powerful about even those were heard stave get back to you. That is what so many women I have talked to have felt like, and I have even felt like the different seasons of my life, where you feel like life gets so busy You lose yourself and the airlines that to do less than the role roles and responsibilities, you have you lose yourself and motherhood you're so busy just trying to get through each day that you got but one day you like us wearing in my own life and where were the things that bring me joy in energy and who am I any more, and so, as I prayed about this and and works, the outline a fella God gave me for things that you need to know who got is who'd. You are where you are in your season of life and where you're going on what he says about your future. So I combine

sure, was storytelling and prayer and journaling in each day, devotional on its forty days, which, as not only local number, but also it is just not overwhelming for a busy woman. Some really excited see how this helps me. especially in a crazy you're. Ok, I've got to answer my question I took some home last night, always take home anything we print and keep a few. Only they give to friends and relatives. given to keep on the much daddy, I got no stash Ramsay goodies back there and gave wonder Sharon and also hey here's Christy's. No, do you own? She goes all thy son. I should she flip illogical for forty days, yet so the so that's it exactly why so out. A lotta devotional are three hundred extra days or ninety eight hundred days, and even a hundred days or ninety days, a thought Gus. It fills ever also, you know me death if I may lie reform writer. I have of all the words, and so this house we have a little bit more words per day to unpack scripture and unpack a story and and forty days as it does. It feel like a bit commitment. It's it's a three minute reed. You know I can do that

minutes a day for forty days. It feels like it's less intimidating for someone. That's busy You do lead them back to themselves and, of course, for the Lord in the process, well, then open funds. As we talk about your life in your money, the phone number here AAA eight to five five two to five living. True, is the new devotional. It's available diagrams you dot com in our book store. Of course. and are you nor tricky business, Boutique doc Congress? You write that common leisure right back there as well anytime. You want any of the things that Christine working on or doing Sandy is an Ogden. You talk. I certainly welcome to the driver amnesia, although everyone I may My question is: how much do you? stay off tomorrow, an emerging they find meal to, having your baby. As you say, king of cash that's true three. What? one word: what were you?

financially. The banks are gonna, be in trouble. Woman agenda clothing around it. They say there. If you see, I feel sure, but oppose yes, the trolley find it either what people do chicken. During cash, I am not aware that banks are closing en masse. The commission has not yet been no, not yet which are predicted to rise your. Why are you protecting world? What do you think? Why do you think there are going to close because the way the economy's going what's booming, explaining booming it boom courage recur the unemployment rate is back down after covert it's not all the way down but its. We had forty million people unemployed, but after the pandemic, but it's gone back year in Utah is ugly. Utah economy, not working. I would have

I was doing well. all right, I mean it's not Geller about it's gonna be a passive or a lot of people. and a lot of people are hurt me well Now that I'm retired you and Maya install workingman. We have for a man who have investments which we don't plan touching, but we have a have left which I just refiner problem from a kind of walk you through this. I have a kind of of the bank's went belly up that they drained the after I see fund and even beyond that the government chose not to prop up the remaining banks after the FDA chief was there because the government was in trouble long

before that all happened, your for a one k would have been worth almost nothing because if all of the banking system in America has collapsed, most of the company's youve invested in in the fora, one k would have collapsed and so we're talking about an apocalyptic situation before you'd lose your emergency fund in the bank, its insured for up to two and fifty thousand dollars. I feel real savings in an empty. I see or bank, or, if your with credit union, ensured by the inches away same situation, buffer credit unions. I feel very safe. I've got my personal money in a bank, and so I feel very, very comfortable with that. The only time in the last hundred plus years that we even come close to being scared about that was back. The two thousand eight and it was there was a moment or two that we were actually looking at the if the sea and the and how weak it really

as in comparison to all the banks that it covers, but much like a lot like a lot things were insurances involved. They don't keep enough to cover every single person. For instance, a life insurance company does not keep enough cash to wear if everyone they had your dad that year that take that they couldn't do it right. They can only cover about ten twenty percent. of or whatever the percentages that that usually would die. an increase of pat above that and the same things. True with the F b I see there's not enough money in the account to make good all of the banks but even then the government, There was a thing, so I would feel safe, and I will put three to six months of expenses in your emergency fund. To answer your question shanty, but on the

Then there was a thing in the arm. Eighties are the there. We used to have these things. When I first started in business called savings and lunch and the EFTA she version that ensured them was the official I see and arm loan industry, there was a huge fraud guy one jail in Arizona and milking and on then Reagan change tack, law and a lot of the ESA nails had money tied up in tax based on real estate investments, and so like these apartments, all of a sudden became worth half what they were worth because it turns tax law and they talk he's too? They fell into the nails and I ended up being unrealistic business mister, the linen business and broken closely close them down,

Well, the official actually did not have enough to cover the deposits. Then it will show, is transferred to the government. The resolution crush Corporation Rte, see the government took it and made all the deposits good took all the assets and

show them all covered, Allied bought from the real state from a government that they take it back from the appliance violation? It shows that there is a process that went through their, but no one had money. International lost big money Herbert virtually. No one big money in those complications. There's usually something like that that occurs in Europe. I feel pretty sight for my money certain this is that I am sure you know what I am thankful for this year, but your box, but your box makes it easy to cook high quality meat at home for less than six dollars a meal, but your box delivers healthy. One hundred percent grass FED beef range free, organic chicken heritage, breed pork and wild caught seafood directly to your door for only a hundred and twenty nine dollars a month and shipping's free plus new members get a free whole thanks

giving turkey in their first Box get this deal now at, but your box dot com, Slash Ramsay, Chris Ramsay Personality- is my co host today here on the air, open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five that's AAA eight to five five, two to five, so watch hold You back from making your money goals a reality. Thinking about getting out of that time, but having some saving. Some investment becoming wealthy being registered generous well how to get rid of Excuses Tom, to take control for real and for good, no I'm not allowed to. You takes a lot of work, but with Ramsay plus it'll be a heck of a lot easier because with a Ramsay plush membership, you build confidence.

With you and your money, you learn how to take charge and power through your money, gulls annually, all the tools we need to make it happen. I'm talking online courses like financial peace, university, three brain new courses that we had a just this year, plus sugar premium version of the every dollar budgeting apt and the baby steps tracking em you we can do this. Abraham. She got com I store and get stuff right now, Ramsay Plush David, zidoc arms like store and get started right now and if you're doing right three plus, if you're in Three plus member you get to watch this come shot arise, small conference loves dream, free yeah does it can be an amazing date, because one of the things that we are so intentional out are picking the right speakers that are experts in theirs and we want to help people in every area of their life that is supported them for marriage to money parenting.

Development and man. It's an incredible line up some I'm excited about this procedure. worse on the line up this coming Saturday in IRAN. We talking about about getting a life, had not lose yourself in the work that you love, so life balance and also just what it looks like to manage your time in a way where you're spending of what's most important to you in a lot of us, believe it or not. Don't do that show magnetic. There will be with us as usual alone. Smart conference mark compromises usually eight to ten thousand people in an arena, and they'll, be two other people you and will be streaming? It too many thousands of people already. I noticed this morning also notes that came through rovers two thousand Ramsay Plush now, watching it for free coal as a bit. Of their membership but also, of course, you can buy for point nine dollars a diver amply dot com and get a ticket for this. all day Saturday, the Saturday

parallel. Marriage MEG maker on parenting, Christie, Anthony Rachel Crews, Chris Hogan, Kin, common and I'll close out the day, so gonna be an incredible day for twenty nine dollars and you watch it from the crash home. Crisp hooligans where are your fully pajamas? And I asked him if he had it does it? I dont think they make only those colored valid skinny genes, fully pajama, probably off the list for your slogan, boats valid but yeah, you're, gonna, love that you just talked about the day with the rams personnel is think about this summer, when we had on her leadership summit and a few member spit. Pastor, Craig Rochelle talked about systems and I've. Never, out of systems as something that's very exciting, but the way here he talked about how systems deter and whether or not you recall whether or not you change your life, if you have a system that gets you there, he said you there have insist

comes by intention or by default, and second arousal have a system to wake up. It's just not a great! had sues fifty times, for example. So when you could, these systems intentionally system to get the kids ready for school. Yes, a system that are empty plus is this: is a system for you, too we win with money. It has everything you need when one with money and systems sound exciting, but winning with money does and those just call to see how we are providing that in a way that people go. Oh, my gosh, my system, sucked or sucks I needed, this system will actually manage money, we have the best biscuit recipe, follow the recipe the tax system. Examples. I agree with you that very good John Witherspoon, Atlanta, Georgia? I John welcome that I've rooms, Russia, I appreciate it got color to question. My followers was due for usually mutually your background and preference for a real estate investing, and

I call on them to split and equity. We state funding only time it that way and not one of the central banks should guide us. First, liquidating assets should I equity leave impossible my real estate, but how money in one basket and what should be a for closure boom in the next few years, what others covered star and then second fine tune that show me agent blocked objections which my mother what are the best just getting out of little estate altogether. Show as Georgia blocked evictions. Not yet tersely did forward, even if they have I've just been fortunate that management that you didn't realize it, but I do not see thy till she did for ninety days and I had one bad tenant that sat on me for about.

of those. Ninety days during the time I got you couldn't they would not accept eviction. The standard lol showed at the at the courthouse for that light tissues. Or put on a moratorium honoured until now back in the summer, back only the height of the pen make panic if you oil, so I don't know it just. I think it depends on the way we make investment decisions and is what our belief shore, You believe is gonna happen. You you believe, there's gonna be a foreclosure boom, I doll I don't see anything indicating mad arm. Really arguing with you just a matter of don't believe that so I there's another man. maybe some property values in some of these areas that are completely clamp down, but Georgia and tenancy you're, not two of those areas. New York, City and California People are leaving by

there's a there's, only one way path of you. How are you going out of the town excessively place exactly hand. So your job Don't Tennessee taxes arm where they're coming and so on that poor tends to an increase in demand, not an end, not I end and therefore, a shortage of supply which were dropped, prices up from the opposite of a for closure boom. But that's up. That's a yacht A migration of people based on bad Paul, checks on those states. in my opinion, And so what happened? driving people out of those states is going to affect their economy long term and may affect roasted private longer. But and all of my real states intensely. So I dont have any any great fear. based on the current landscape, I don't get by on hold, bunch of real estate in two thousand and eight,

seventeen to twenty cents on the dollar I mean I'm made so much money of sickening mine and two thousand nine time for us, not the time or the tower closure you're getting them all here and in a way that which we would have liked you haven't you today. The Luxembourg ever walked too little alone. I guess I guess I heard I guess you could have the equivalent of what happened in those two states happening at the White House. depending on who goes in so then I guess we got the judge based on that, but generally believe and real estate or for that matter, in mutual funds. As a long term play, and so when things are dark and the prices go down as when I try to buy particular oil estate show getting ready for that. If her, if you have some evidence, that's actually going to occur, wouldn't be a bad thing, but I don't know that I would sell existing properties to get ready out We tried to read cash together

to get ready and you might even use some of your equities too by real estate and then later only some of the real state income to rebuild your equities portfolio to get a balanced back. If you want to balanced so that's what you can do it, but I think you gotta look at what's happening here. Shut up to you but thank you, John Reproach, Frederick off Christie. These but we believe about the future causes, are actions. What made me think of the last call from sandy about that the banks are going to collapse and threatened with collapse, is gonna be a for closure with some curious there, though, because it's like you say around our place, we don't make decision space I fear we may make a big stone facts so that the Sandy the when Sandy called your. Answer was very, in my opinion, cut and dried like this is not happening here. The facts, your good three to six months since it In this scenario, Europe, What am I decisions based on facts, but in real say it feels like those those facts limited, like you bet, limited information. Sometimes it's hard to figure out like a hey, what it still there's a officers risk in everything we do and

the trick is to not get caught up in you know. Probably, what what many people are doing today is a, too much television scaring them that these people in or around the White House or going around, the capital are actually going to be able to screw this thing called America up

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where's your eye. Ramses personality is my co host the shower open phones for full, eight. Eighty, five, five, two to five her new forty day, devotional living true forty days to get back to you is available in the bookstore starting today: Dave Ramsay, DOT, com click on them. and I will be able to get the brand new, Social First Devotional rammed repress has ever done. and I m sure, publishing, overdone and proud to have Christy's on now and then to be the year, The creator of that Emily is whether, in Fort Pain, Alabama high Emily welcome that I've Ramsay Show heyday. Christianity all great. How can we help

I have a quick quiet. Am I pick the idea of opening a coffee shop cafe in our little town, you're now a banner pitches, my family and their people? That is people supportive of it, I remember baby too, and I was just wondering where the baby's death was failing to make that business a reality happened. Yet this is a great questions. I want to unpack this with you, because it really depends on how you do it, and so, if you wanted to start small or you could turn a profit really quickly and that proper, It is able to go back into the business to grow the business and and grow slowly or if that profit goes into paying off your debt, then at something could likely do now, but I'm curious. Can what your vision for this in terms of our you have your own retail storefront or you can open up in the front window of a book store. How do you did you say the healthy house, coffee shop? I think he has accomplished

so my plan, for it was we haven't, I used to build an unused building in our town. I used to be a Russia is no longer in use and we will try talking about MIKE purchasing bad anything. Bad luck I little cafe, though it wouldn't be I got a storefront like other bookshop anything like directly purchasing the building and making it happen from their coming towards me. We have not got that far. Yet we were talking about like a guy like to purchase the land, fan and kind of what Our conversation would look like we're done that we actually having got to the point of discussion like prostitution would be her baby step, three urgency for inflation, and you show up the cash to open a business, because this is not five hundred dollars now statutory, I'm so sorry, Angela Merkel, my that we're talking about the first thing I would attempt to do. If I were in your shoes is, I would attempt to lease that building with an option

purchase lighter one restaurant one food service. Businesses already failed in that location, I want you to be the owner of the building and the coffee drop. I there not work now you ve a building left over and lost money on a coffee shop idea, So I would rather you rent it with an r lease it with an option to purchase, but even that you're going to have to go in and do some decorating some retro, I mean Tens of thousands of dollars is not I, one thousand dollar investment to get open agreed that benefit the show That's definitely a after baby step. Three, you have your emergency fund and your dad free, accept your home, and you say the money to do this, you die borrow money to do this one,

I would say our and now is the whole point of me like not wanting to borrow money for that, but where the dataset political life and yet another will shortly have I shall not buying the collation renting. It gets you open faster because you have done so with promoted by the whole thing for care not to. it can happen faster. The other thing I would say, Emily and I'll, send you I'll make sure Kelly. Send you one of my books. Business bitchy can help you get started. I lie of helping people start small because you can start faster, so I just wanna share one quick example with you. My mom started a cake shop in the brought showcase windy window of a candy, storing downtown national should sixty four dollars to name and shame that for supplies paid the owner of the king top a percent of profit. So if, I don't know. What's in your town, I don't know what other, if there's book, shores or other cafes, where you could set up a little coffee thing in the front window or for four suddenly supporter of their thing, where you don't have to do the decorating, you don't have the thousands of dollars of up front cause if you, it creative and scrap it. You may be able to do a baby version of your ideas sooner with very

low cost and you could turn a profit instantly. And grow slow from there. But but the idea that you know do any kind of business loans or or ten thousand dollars in your baby sitting over two or more than that, we don't we I recommend that, but I do want encourage you to get creative because you may be will do something really. Small and Grosso but when they got their environment, you started your books in the back of your trunk yeah but I want to start a coffee shop shown. I mean I can't you existing rush with round it's a bad idea to send one the thought of a good idea: found await your star, something in the corner: Never not lifting oysters are interesting retailer. That would let you have a little corner or something Can you prove your idea out many move across the street? Yes, in another place, any rented with an option approach could you not yet in Eurostat, better targeting the coffee, but right any proved your idea, you prefer concept cassettes that that's the problem with, even if you had the money, even if

at the Bunny Emily to go by this land. Is the Cuban proven the concept? Man? That's a big investment front, a big risk if you're in approving the concept agreed Jake a vision, Windsor Ontario, how Jacob welcome that Abrahams Asia. I d gone great. How can we help Ah, you fall in your programme for the last couple of years, and I had last year I graduated mine undergraduates degree without any there, and I was offered a scholarship to do my master, someone that right now great the job. I wanna eventually go into law and I would also like to relocate to you ass out of nowhere. Winter is, but it's right bore in Canada in Detroit and slower how we can go to Detroit. The way things are going in Canada sometimes makes me want to relocate outside the nigerian alone for a while now live in Michigan Indiana.

down John, where, where they re, not a law in Canada. In the? U S, you're being are cheaper in Canada and believe the same kind of large common law, so we can now tradition the degree as long as they are right to save a lot of money. If I live in Canada, suspension of discriminatory lender after two years relocating on Monday, I now go, thou you'll find I'm saying a move to another country on a lot of hot air, from Pomona Kosher, move across the river and do the citizenship routine. am not entirely sure problem these damn. I would imagine it will cost the boy a thousand dollars to largest do citizenship. Britannia, I'm only twenty three. Now Well, I mean if you get, if you get our law school and you pass the bar in Canada, and on that then you during that measures

are approaching that, then I would start gathering information and put together your move. Budget moving is a project We need a proper budget for this project and what does it take to feed quickly move what she apartment caused. What does the yeah the reciprocal law licence or the taking the bar and in Michigan cause too we take it if you have to go out on how that works. But you know you are: is it if you passion and candidates it reciprocal out? I don't know you mean that the knowledge is transferable you're, saying that out of the licences are in the bar, isn't you don't understand what you're each of those things, caution, total them up and go catch my target, and so while I'm in winter, are gonna work and build up their money right yeah. It's interesting because I feel like that in any situation the unknown is. Overwhelming, but it's just as its unknown. You do you but you do a budget you put together plain, like our opposition I can do it. It's this target amount. It's this target time on. If you can see it, Can do it, it just feels overwhelming because its unknown, so yeah just get your get you're here. You know that

throw get your bearings figure out. What the cost of these things are. What transfers, when she can see it will, then you got a plane in front of you know: Jumper possible for the bogeyman to be under your bed of the mattresses on the floor. I discovered this year the night with one grand babies there's nothing to be scared of cause. You can't get out of there, but you know that. That's you know. If you look under the bad, you see what you are facing. I am what it wants. We quantify what we're facing its less of a monster. Yes, it's so overwhelming. So I have and in a lot of stuff in business or even in my personal life, were actually on the budget on what a cash I e forget sticker shock like oh that's a lot or ago. I should add that, two years before now, actually runs from numbers out on and develop but you know what it's going to cost to make the move, and then you ve gotta go then you ve got a target

questions are honoured to have you solution. This is that I Ramsey show our structure that I judge of twenty three Gary and said to them? I will not rule over you and my son will not rule over you, the Lord. All over you I'd be nice, Beth Roderick says I love voting day. I love the side of my fellow citizens lining up to make their voices heard. If you should be doing

that if you have an already power, should be open for a few more hours, depending on when your hearing this, if you live that education and are you are too exercise your right as an american are there and put your vote in the important, we been thinking about it, not really thrilled then a candidate out there will welcome to most of us, and arm. some of them, we like what they do. We just don't like them, and then after that that's called holding your notion voting and on, My nose was read for two days, but I definitely voted and you need to do so it's up, and others way too much drama around this to shoot me, but that is not up to me so and way too much anger, yeah in it

It goes back to what you said a few minutes ago of turning off the tv which I know will all be good. to night see what's happening, but in general you can't really have a good. grasp on reality by watching the news headlines, it paints this picture that is doomsday. Economic collapse, the bank circle all these things in use. Like the average person like me as like you like, we want the best for a country We're good logical level, headed people and and and Just like you said it's like this. This is, determine our destiny. We argue that we're not only the news fade goes we're not why There are not full of drama, relation are on my right. Some people might differ sorrows and Albuquerque New Mexico. High Sierra. Welcome that I've Ramsay show I gave in conceiving how much would take my call, Sir Leon what'll. I just wonder, offered twenty two years old. I just graduate

the mass during this year. I got my first that full time job display, while an gum, yeah and eyes there now living with my parents, and I've been having a pressure of like needing to move out, although I don't, I feel, like us all, to sit down oh, we because I feel like I want to give up a little bit more to pay for maybe of a mortgage, a down payment and remove so you got a masters degree and what a computer engineering good for you. Then you got in your employed in that field. yeah and you have an income of one hundred.

Sir. I get out of the house there. Sarah gosh you from his answer. Right now. Let's say you set your children, the Mattel them, so they do cigarette noted that part listen. There is a dignity that is going to come with you moving out of your house. The joy that you're gonna experienced have your own place and you are so lately have the inn, You have plenty of time. Your planet alibi house later yeah, I guess I'm sure Marvin and get your life. Even if it's ok, Obviously, you have a great relationship. Will your parents, which is wonderful? Yes, and one of my Eldest daughter, Denise live with us for about three months. I you're pass that mark. I, when she first got out of school, just two it settled into the new job and find them apartment actually range from roommates in that kind of thing and so forth in Wales Taverner there and she

observation, we didn't have any boundary issues, re weirdness or anything like that. But it is all of I grown. Kids are older than you have witnessed there just the advancement of their adulthood when they had to buy their own groceries and by their own light bill and arm in it. Just it's just really good for you and you. The money, you're you're in good shape and if something really really bad happens and you need to return home for a site- fifty net. For a little while you, you ve, always got that option. Given that you ve got a wonderful relationship with them. We can tell that cause your ring on on in no hurry to get out, but my Coaching is just the old man on the show would be get out, and I thank you. be glad you did in a few years. A few months, maybe even a few minutes because it sure place there should desert Christie used the word dignity and that's a good one, Christy its pride and also just it's this feeling

I am now officially an independent adult you're living at home a moment at its very hard to feel that, because you're not cause you're still a kid In their house- and you can afford it and think you're gonna actually be so glad you did and have that it's not like, we were to say, like man wanted. I do that sooner and you know, as the nation met bill, that lead for that dating relationship, led them getting married. Many years ago she was in a different place because she was a stand alone. Canada young woman, she wasn't under her daddy you re more right and about that age. Actual right arm and show twenty eight point, four years I'll, probably when she met bill, something like that and so on she would tell you that put her in a different place to enter that relationship. Does it get away had been still at home with mommy and daddy yeah. You know an arm, it wasn't that she was immature. It wasn't that she wasn't any of those things, but it just the key

the French and the sense of power, the fragile young woman that independent and a man my own decisions, you don't feel, is vulnerable to Ceuta, don't need some guy to come in right to save the day right and it causes you to pick better when you look at a guy's, a great that's a great point of interesting to because Matt, you know my hasn't Matt. He travels with his work. When he's out of town I mean it comes as no shocked. Anyone who knows me, but I don't freak out I lived on my own verb. years nine years before we got married too. I know how to move along. I know how to fix something goes wrong in the pilot. Light goes out on the water heater. I know how do stuff because I did it, and so it's not this fear of like have to have him there in a panic when he's out of town. So there is an absence of independence and also just self sufficiency. For that occurs. Yet my opponents from power yeah those kinds of earnings and that affected. you when you met my coming. You didn't you weren't

eighty right or left Us- and I am not saying that serves me right now. You know I didn't, since a machine like at heart does not hear she's computer experts should not mean he's good efficient It's a by product of moving on your own that you probably on expecting. That's it we're psycho. Eastern, probably, never think of that those are other benefits. Will experience for your mom's windows. Listening! That's why you kick the mild yeah that, even if they don't know they made it up, you're gonna help I'm no. They need its right of national gonna, be Jeff Jeffson, Provo, Utah Jeff. Welcome to the driver, amnesia. I do, though, you and great man. How can I help you I got a question for you. I am currently twenty one years old. I am engaged I get married next month. While congratulations, you thank you. Thank you were both excited, but must have any debt and revoking. pretty good financial position

at the current moment and we set a goal that we want to be worth a million dollars. Thirty years old, I not very audacious, but it is something we do not think we can achieve we're. Gonna get what's a math thing, obviously, and I wonder how much good what you're incomes I'm. So I make but my full time job on my part time, seeing I'm doing about sixty or by her right now, I'm in school full time, and she does about twenty to thirty, When will you graduate. graduating twice twenty twenty two words the Green stretching management. Ok, shorty, he'll be making them So the company on which right now laid there saying that, with them alone, I'll be making about sixty gonna graduate they pay for my schooling is well, they offer full benefits, and then I shall I tell ya. Two hundred thousand dollar income and twenty twenty two that's

ballistic between the two of you. What she liked me her income goes up. Your income goes up and then you d say I ah by then that shot two more years show Now we don't have managed with seven years to do this will hold our income. That's gonna be tough, tough to pull off by then but ears. Let's pretend that you shot at it and you laid out a mathematical formula that says: I'm gonna invest Ex Lindsey show that I get there and then some happens when you don't five, make it and your thirty years, older than eight hundred thousand here too it ok, I think, you'll be all right. It's not like

throw you out. I throw off the planet now, because the right good job, thanks that make thanks rang and James jobs and carried no thank you for doing your job and both your awesome. I am diagrams your host, we'll be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace and thus to walk daily with the prince of peace. Rice, trees, pay its Kelly associate producer, advance greater private Abrahams chef. This episode has ever, but if you heard about it and that product or service it didn't have a chance to write it down, don't worry. We lost everything you ve heard about during this episode in the pond question that section or had every day, lambs com and click save recommence, takes money, Isn T always going. We talk about around here. Get life. Changing advice on your career from my good friend and career expert can combine all makin com and show, according to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, you can call me show is for you, everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is. You were born to do and then we'll help you create a plan to make your dream job a reality. You matter and you have what it takes, join the conversation on the can com and show hear more from the Ramsay network, including the current common shop, where ever you listened about gas

Its James producer of the Dave Ramsay show this, episode is over but check the episode notes for links to products and services you ve heard about during this episode, thanks for listening,