Quarters of William Resolutions, broadcasting from the dollar car rental studios. It's that day, Ramsay show that, as the issues in the pay of mortgage has taken the place of the Bmw, though status symbol of George I'm, they ran through your hosting Romeo Ramsay Personality number one by selling author of the book. Debt free degree is my colleagues today, open phone

we talk to you about your life and your money. Open phones, AAA eight to five five, two to five, that's AAA eight to five. Five two to five Victoria, isn't Nuovo Kentucky to start off today, I Victoria. How can we help hi guys think so much for taken my call I have just really com. the situation, will try to still down to make the most of this call, but potential separation coming up with my husband, his active duty military he makes it a living, and I work part time and home school and are facing this. If we were to go down. separate that here we ve been making great traction together. Despite all the emotional stuff everything but I've got I'm going with you today. Really

it is wholly in and we ve been paying down almost fifty thousand, all of that and have for years and basically I'll go down you just making probably bill money. You know, I'm just wondering how I can prepare for that, and we talked about. We see any other just for financial thing, but, like not been, you know, cubic geographical back where I wouldn't keep yes with him anymore. So just one what year vice might beyond on that. Will sorry, I'm sure you guys are facing this. I would Braun. If, if your facing something serious, you need to get a pro in your corner. and that means you guys need be shutting down where they a good, strong marriage counselor. Who can coach you guys through how to make good wise decisions? I didn't hear anything

from a common sense perspective healthy about you guys, staying married just for financial purposes. That's weird! Yeah! That's a tale additions, weird that just a guy talk and I'm not a professional animated. Just just Where shall we say we love each other issues is kind of like this, so many good things by he decided to gender. So I would love to see you know hey with three friends for us and our allies are married, but that's the thing we're right: yeah yeah you're staying married in that situation is, can be very strange, in so doing. I think someone coaching you a good counselor can country through how to sum up. processes and boundaries in place, do you not to create a timeline

Then, even though this sounds. yeah how you should all the emotions are there, but it also sounds like you guys we're talking about this all still in terms of the ear. You got a good dialogue going. It sounds like so that's good, but I but even in that good situation is in as good a situation as it can be in a bad situation. You you, you still want. You decide to divorce. The transit, changes to a business transactions and and it doesnt mean yet we mean to someone goes to business transaction, but you have to be thorough and you have to think through the mass like, for instance, he hasn't. come in you. Don't you how much debt is laughed whose name is on the debt? Is there a house involved in all these countries

start to be a business transactions have to be done on the very, very clear boundaries. We see this a lot. We really do and Vittorio thing I want to suggest an embargo may by no way my thing, I'm a masterpiece by the same time, less not prolong it. In others. Have a honest conversation I Dave said: are we going to do this? Are we not at once? You decide what you gonna do, then you need to go down that path with the right council. One thing I have seen is a lot of people prolong this situation out and then it gets worse and it gets worse down a road so how the conversation decide what you're going to do and what should get there immediately seek out wise counsel to walk you.

through this step, but I got to say awesome job with least being kind to each other in the mist this process. So in other words, if, if your name is on it that- and he is obligated to pay it in the divorce decree and does not they do not come after him, the divorce decree does not remove you from liability, you're still liable for that debt. That's what I mean by a business transaction to sit down and think about those kinds of things so that these debts get any things got your name on. It gets cleared. The second thing you got, those you gotta getting, can comments materials. Does Europe to develop a career track? I'm an unstable mom is not on the earth and not in your future anymore, you're, now single mom divorced and so what you gonna do with life and what your career look like. What you're job look like and you got to get on that really fast cuz you're going to need an income? Yes, you're going to get child support? Yes, you may get some alimony. Yes, he may pick up a lot of the bills, but you've still got to create,

full time income in this situation to exist and day. Correct me if I'm wrong, but now that that child becomes her number one priority is no longer him sure. Now I mean I would be out yap obvious, but ass. It was some that that is the way it has to go out and has to be that way. So I thank you for calling I'm sorry. You guys relations open farms, a triple eight, eight to five five, two to five, one of the things that are seeing Anthony that divorce attorneys make a huge mistake on quite often is or couples do, and the divorce attorneys allow it to happen. Just as a matter of transaction is how they say it

Ok, study might be husband, leaves the household they get divorced. Mom is left with the house, and most of the time has a lesser income, has not a statement of that's what she deserves. A statement of fact right: ok, most the time, she's a lesser income and can afford the House payment right, but is trying to hold on to the house to keep his stable for the kids and the house. Should it just been sold yes and get the bill off of her? does not need that bill to go with her new risk per new level of responsibility financially that she's gotta pick up now. That's thing one to is that from a husbands perspective the lawyer tells him in that case. In the case, where he's leaving the house struck her to quit, claim the house over the heart give up his ownership and they

ever address the fact that he still on the mortgage right and so he's liable on the mortgage. They gave up the asset and kept the liability. Yes and then he goes to bed Another house, somebody any care, any Does he already owns a house shares as far as the debt goes, he's already India on how she's not been released from liability, so in that case. I would have our going through that. I would require that the House there be sold or refinance and gotten out of his name. Yes in in that to protect him and let him go on with his life and here's a hint. If she can't afford to refinance that mean she can't afford to keep it. She needs to send it right and that's that's what your facing its harsh thing occurs in a horrible situation, but it there's a reality to this math and catch up with people, sometimes three years later, and they get a double whammy from the divorce.

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 one of the 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 might risk free go to tee and odd Gamba figures out. They ship to your door for free that tea in dot com, the only real Ramsay personality is Michael vote. Today, open phones, a triple eight to five five, two to five. This is common sense for your dollars and since Daniels in Orlando high Daniel how're, you guys think you could make my guy

he sure, what's up, ok Oh my husband and I are purchased, are for eight years ago. Ah, we're down forty nine thousand other than one s we'd others equity of air. I dont know if we found a few opinion for all. We really What did you leave? I wouldn't want our payment to go up by we're. Just gonna confuses if there's equity in the home. Will we be able to take it out? You fix our home or is the hard at work. Well, then, will you take whatever your homes going death? Ok, that's why I've that's what taking ignore you mean you're gonna, go borrow money against your home in order to fix it up he apparently you need to do gate and the gentleman who only home before at the opposite, a wheelchair though he he didn't get. You know you don't fix it backer bothered

recently due in the kitchen and those with taking or time by how much? How much will it cost? You did you between Cuba, through how do you, like, maybe thirty thousand bodies, household income. seventy or you can do that over it a diameter smuggled out all at once, they're not at once a year here. Let me leave me so many friends like We re sigh and we're like we do want to if he meant we do want to be with you, go we're paying boys the United right now about you know we're good. He said the young exactly basically, what you say is: do I borrow on my home to fix up some bathrooms answer, no yeah unwise, because here's this when we did the book Everyday millionaire with Chris Logan studied all the millionaires, one of the things we ve

and about most of the millionaires, is one big element of their one million dollar net worth or greater is paid for house. Not every time I get the house paid down, I go borrow on it again. Ok and then you want to avoid in the day. I did. I miss something hard you mice, it is early, but are you already debt freely consumers? I, like no credit cards cargoes. None of that family, you don't have a credit card, but we do have. Vehicles are between his height and his about thirty, eight thousand ogre together, have you got so before we fix a house, we're gonna, pay off the debt and that It is Europe that the house will have a car by which you could say, but the money to the bathroom, pretty quick Berkeley. You do anything, back in us really to attack your debts at this stage of the game, working the definite abolished in your debt, smallest largest, an attack on in that order. Anthony's exactly right, good catch, good catch them Jenny is in Springfield, Illinois Hygiene. Welcome that I Ramsay show. I'm thank you for taking. My call at this summit

paid off our house and Now I need to update our legacy binder though I just need to know what documents do I need to put in the binder for Peter out nothing I mean your date is already in their copy of your warranted each already on their the closing paper from the original purchase. Thou authority on their right yeah, though, for the file on the house from the mergers and so forth, ownership is established not by a cutler got a car title. You need to keep the physical title around, how's, tidal, its warranty deed and that's recorded at the courthouse. And so It's it's handy to keep a copy of it, but it's necessary to transfer ownership. Ok like if you want to car title: you need the car title in your hand, but if you want transfer home, they just prepare a new deed based on, what's recorded already at the courthouse noto on a legacy sata get that per day, but then shit she of data

will as well, though, if it and if it requires changes, but the house being paid for Russia's almost paid for what you might do store in. There is the payoff letter that when they commission, it back shown its paid off that behind it to keep around and I'll keep that in that in that binder, so very good, good good way to go where you go show Anthony got this thing that you put together twenty things: millennials should do yes, Sir Why do millennials little special list? Well because David

No, this is the generation that they are the number one consumer, so they Spain way more than they actually save day there not investing only eighteen percent millennials actually investing into the future, and so I made this list of twenty things that I wish I knew when I was right in my young twenties. Might never one was go ahead and get pay off to debt number to get a clear vision. I get a clear vision where you going alive. What do you want to do in life? A lot of people say I wanna be a doctor when I thought of it

for where you gonna go in your life like, why do you want to be a doctor and inside of their day by says something that some people heard this before? But I add a little twist to it in this had come at, which are why- and I give your, why doesn't make you cry than the price of commitment will make you cry Wolf, so I teach them to try to really dig deep into this data. Hey. Where are you going and if you, if you, why doesn't make you cry than what was the price of commitment it? Will you know paying off debt it? You guess. I want to pay off debt, but if you know where they have a deep, why than you gonna cried. Do baby steps, you gonna cried about the deaths, snowballs and wine. Yes, it's mon! carry on like I was going to be about mean when you can see the result. Clearly, yes, in your mind, you know like people they're paying home for the benefit of their children, and there is talk to take your child's face.

That's not! Why and that'll make you fight. Yes, it will now make a scratch and claw rakish, crappy yeah I'll make take extra jobs I'll make you sacrificed to win. and you gotta have a y got it number of people who are successful in not only getting out of debt, but in building wealth always have a sense of nobility to their reason. Oftentimes us March was something simple of under sickened: hardly unbroke, yes, but eventually, as are started, working on it that day, Jim comes up in their vision starts getting bigger and they have a why that's really good at twenty. Millennial, should do all material re literally everyone reader normally fragile, but it's it's gonna catch Fraser summit to its free. It's a list that Anthony will send you all you do is text twenty things and, as the number two zero things two zero things to three three seven, eight, nine and you get this list for free.

From Anthony only or you can also join the aim of family and he'll, keep up sending you odds and ends and encouragement lifting you up all kinds of things like that budgets texting a oh two, thirty, three, seven, eight nine Ross. Austin, Texas. I robbed welcome that I've Ramses sharp. Thank you do thank you for having me slowly. How can we help so? I have a kind of a life in money. Question be money side of it. Is my wife and I are in baby step number two weeks, off around fourteen thousand dollars in debt between two student loans and the majority of our car. We ve got about three grand life's too. We are making progress there. I've been looking so for a long time and along contents, Joe Champion, hosted the few class early last year and that now and so I was I've been watching you ve been talking about. You, know, building legacy and play

the way that you do that. If you talk about money around, dinner table. Remember your story about a politician became a pie, dad was. When Roger I run out on what your question I dont know what I dont know and I dont know how to have those conversations and her table what kind of benchmarks what you say that you know I can see myself. What are some tangible things that I can do or see tonight. And going in the right direction. Man, I think, for the first safe you rasp David. I just talked body really identify wish your vision at twenty four years old. Why do you wanna be wealthy? You have to question in a wet when God bless you to be wealthy. What you gonna do with that wealth. What you're gonna feel our yes, you know is that the first thing I will have at a table in a mom dead. What is wealth, meaning you? What is worth mean to us as a family and then from there? You can do the baby steps and we'll get you there, but from the life perspective you need dig into debt

If you go out what this wealth do for you, for your family, where you're going down you're doing you're done from very was things beyond your ears at twenty four, the have these discussions, but I doesn't have to be some big ever I did the dinner table does have to be some big deal. Conversation is just a matter of part of the rhythm of our life as we deal with money issue. We talk about that. about stood alone that we talk about mutual funds. We talk about Bobby, show real estate. We talk about in our financial transactions as apart the rhythm of our life at the dinner table. In that way, normal for your kids, ass they grow up. This is that ever amnesia

in the lobby of Ramses solutions standing on the debt breach the age cavern and back up, I can only mean one thing: they're here: to do a dead great way to go guys. Well, things are Nashville wordy on where you live. We live in North West, Indiana, Demott, Indiana, Fawn cool, welcome to merge the armature we paid off. Ninety eight thousand for our fifty dollars alone. To this take thirty month, good for you and your range of income during that time about one twenty down to eighty what do you do for a living momentum straight or for the Indiana Europe Grant College Education and produce university. And I'm a kindergarten teacher turn state, oh mom and small business owner, very good good for you guys. So what kind of was this. Ninety eight lot like this. Like a hundred thousand dollars, you pay, we got real precise, with

It was just about everything. Student loans, car dead credit card that the personnel on things like that, so you're, normal Mary, normal son of normal shocks, but you're just gonna go along the normal collecting that suddenly absolutely people are making their bilateral near here. When we got married, we had quite a bit that we just didn't really want to talk about. So how long you been married five years? Ok, Oh two and a half years after the marriage, Ding Ding something happened. What happened. We were on our way, just at three. About this time, Underweight Okochee Tennessee, to see my parents and we, often Franklin have lunch and Kevin mentioned here. Think Randy solutions is just down the road and they give free cookie is so maybe we should go about Humphrey yeah there, so we stopped in and then you know about room, just solutions. You know about the free cookies, but

doing. None of our staff are very much at the time. Yeah yeah see there's no areas. I think my dad used to watch you on the file. You thought I had your book. I read it maybe a couple times and never really did anything. So you stop for very good reasons for the cookies and then they said, oh, you know Dame shows gonna like he does it show here like and now I guess he's gonna come our like we get to meeting like this. Is it We were so excited, so we ve got to watch that free scream and we yeah, we were hooked, though he had never seen him before. We abstained in the lobby and watch one, and It's almost no just think about it. We drove away we on the car after we watch that an headed down my parents and we took the five thousand. We had. Six thousand and savings took five grand paid off our five

dollar credit card around their only chance. Events at while you do not usually only offer signals from that point. Where would we knew? Why are we wanted to have a different life when we realise that wisdom to have that much credit card debt? When we had the money sitting right, there grew goes back you further. The ice had I taught for twelve years, went back to get a phd. I took a thirty five thousand I'll take her at the time, but I started dating a pretty girl and I took out student loans to try to maintain that lifestyle that I had had when I was teaching. So I had student loans than I had to repay Becker Headland from when she was in college and when we got married there is just one of those things that we just never really talk Well, we didn't wanna talk about yeah, I felt somewhat shame and in the debt that to a marriage so any time he brought up talking about any of it.

can anyone tell numbers amounts nothing any of it, like I said, do the finances hoping I knew what I was paying for her because she didn't want to talk about now, so you did when you that every screaming Godfrey cooking? That was at the old building here that the only answer now you're not going to come to this, namely that every grain, that's pretty cool first area and every trip down to see my parents. We would stop in and see you guys and that's a lot of pictures that we submitted for the EU to General S meeting you in some of the other personalities. We haven't many Anthony at so excited to meet him today, but that was that gave us so much encouragement. Every time we stopped in like ok, we can do this. We can keep going. It's nice to be around like minded people, and you just have the continued encouragement worlds. What was the hardest thing on this journey? Ninety eight knowledge is paid

I see you went down, you know in income, so might have to be some some something their visa think just budgeting having a budget and then doing without certain things we went down when she stopped teaching when we had our baby and then that was one of the hardest things than I think too bright around this time. Two years ago, within span a two and a half weeks had a potentially dangerous car situation were interstate tire could have been really bad likely. Hadn't virtually fund take care of that week. After that I found out. I was being ripped from my position, at the university gotten. You want sense and then, a couple days later it we found out we're gonna, have a debate about two and a half weeks. Our raw, it could have went really bad at any point there,

started when we data inventing the position that we were and, as a teacher, I would see the moms the teachers at how I would come back out, have their babies in they were too so sad and they, but they had to their financial financial position where they had to have their income, and I knew one that we don't want that for us. We wanted me to be able to stay home, and so we d we worked hard. We did to make them, and yet such a reality- and I worked well done. Good Y yeah why, as a good reason to push through, and so you brought moment out from Okochee the up yet the ensuring squad here, yeah right and you did you bring your baby, we did you want. You want another shot for the debt, for each yellow can have it you don't have to, but so who is yes? Yes, this is Charlie RE. Fifteen waiting Charlie right, that's a beautiful region rather very well done were very proud of you, guys you're heroes, your mom data, proud of you. This is good stuff.

Very, very well down. How should feel now that you did this amazing area very means its the US such a good feeling for sure like changing so aright, Charlie and Becker and Kevin from Indiana. Ninety eight thousand pay it off and thirty March make an honored twenty now down to eighty countries, own fault, I'm gonna, die, let's hear a debt bridge grew ready. Three, two one, we're very, very well done. Anthony we're gonna have to let militia no in the kitchen Jes, chocolate chip cookies. Yes, just transform someone's life ass, the problem with this strawberry shortcake cookies Dave. How would you know that

would the original your Frazier you notice from having those? Recently commercial were yes, as the Erika, worse a break. When will we? We have some very, very special, a very special team. The works in the lobby out here militia in our coffee shop, bakes, homemade, chocolate chip, cookies, showing you walk into our pleasure, smells like mollusk kitchen. It done smell a corporate Amerika. It does because this is like Mama schedule, guests and corporate mark, and that is the truth. No, what can happen to Mama scheduling and get a hub? Yes, you can also get worked with a wooden spoon. You taught me

Melissa wouldn't do that, but I might add that your parents, her Ministry of Chocolate chip cookie baking, has had fruit here really has a main dave. I walked that there are several times and I have witnessed her Ashley. You know helping people walking into our stuff. So is what a lover by heard you get greeted with the chocolate chip cookies, but then also she's gonna help you alive. If she has time and always got smile always that is a job that I didn't do that we were very intentional about building the atmosphere and the situation in the type of people but her greeting you when you come in here so ass, any of you I always wondered now you every you come by and get a chocolate chip cookie. It could lead you to completely transforming your life. That's very goal, another story, s address fun stuff. very well done folks, if you are a millionaire, meaning you at worst is greater than one million dollars were I do a millionaire theme. Our and a couple of

and we need some millionaire collars. We dont care how you got your money. All we want to know is that you're a millionaire, and we want to hear your story on the air email and let us now, female millions. Calls at Dave, Ramsay, Dar they rarely dot com slide show how you can go to the website gather website a form there. You can fill out, they Ramsay dot com, slash show. I'm looking at a sticking out where they told me to say that I was trying to figure out what they Ramsay Doc? slide show it the millionaire theme our form, an Kelly I'll, get back to you and she produces the show and we don't tell you what to say, but we need the lineup millionaire calls for a million earthy mountain and inspiring inspiring our and your our story may very well inspire someone to get a free, trumpeter, yes and change their lot, You never know this is that,

amnesia ass? Even in the year of the dumpster fire phony, twenty we are going to have the most wonderful time of the year round the corner. Then your first, no matter what this year's brought you Christmas is still coming and celebrate we're gonna give away cash all season long enter our Ramsay Christmas, give away daily,

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marketing you can get away with anything shall Andrews, weathers. Andrew is, and Burlington Vermont High Andrew welcomed that favour amnesia. I mean they pay their doing today, better than we deserve. How can we help? Sir thanks call. So I technically have three month saved up. I would feel more comfortable, which six I am also putting fifteen percent retirement. I don't have to fit it college, I'm so all I have left for debt. Is the house good? Are you ok or it is it? Ok, if I take as I'm sitting up over the month device with that

partially to save towards getting the six and then is the other have poured the home early or should I just thought of it and then start working on the house that set out said it one more time, split one half yeah. So so you don't say I make an extra thousand dollars a month for savings. Could I split that half until I get up to six and put the other half towards the House church, should I just wait until I'm always six. Now you can do that. You can do whatever you want to do, but if I were you, I just get it overwhelming, get it on up to six. Why you're not gonna! Stop your fifteen percent right now known Ok, ok, yeah, I've already just knock out, the grown up section is start on how such a simpler gas, but it doesn't matter, you go either way, but I mean I rented Dave Dave's that you can do to adapt without eighty just go ahead and is good for six months. Yeah, just don't get it over with

just a math thing, but there's nothing there. I mean you ve got your three months than you're doing your fifteen percent such baby step. Three, maybe step for five or skipping. Don't need it six pale foul shortly, so we're throwing money at the house, in the midst of that you wanted to do some other things, including building up. since you ve, got a little more right, past the middle of three much all the way up to six months, and so you know you could stop doing the house. I shall now. For instance, let's say you were the strange, the number of strange what you're doing for so. You had your six much and he said. Oh, I'm gonna buy a car and sunny discharge saving her car. In addition to your six months of expenses, while you're putting Ten percent away that would slowed once you start moving towards our cars can slow down what European House rights. Yes, sir, there's always that, when baby steps, I have six, are all simultaneously dawn and there's the the big there's don't let off the fifteen percent Yonah Retirement and just being very intentional and sign up, spend some money here,

on this item. In your case, I'm gonna put some extra money and emergency phone, but as I do, While I do it a little bit of the tower with a lot of the time, it's gonna slow down how much our pay on the house. Yes, yes or no data me ask you this question: when, if someone got into the show and said hey Dave, I want to stop investing disquieting in put, although money towards getting me to six months. You know the answer that I have to save what illicit, although they were watching answered. It almost say. No amazed your statement in a mean this disc. Still it s incoherent work, away, upset it three to six months. You have three buggy Judea use it. If you were gonna, make six that big a priority that person calling not discard yes, but that person that hypothetical If you re like six months that big a priority you shouldn't have started the fifteen percent, are you got? It should do so six before I move on to baby step for right,

they range that you save for for emergency fund is anywhere from three to six months of expenses which it take you to operate in your household and hint. In most households, If you make a brazilian dollars, most ourselves. Three to six months of expenses is not gonna, be far off of three to six months of your income gap. In most cases the moon, it might be. five percent of your own country might be fifty percent your income, but it's not gonna, be in our. I make it hard large year and my expenses are forty dollars now that is not what's goin on ok, you're missing something here, so big. more than just replacing your income. If you got laid off its also, if the transmission our yet by airline ticket, because your aunt is sick in she at all or whatever rights. There's other things come up the don't that are not related to job losses that are called emergencies right, so good question

question Gregg is whether some boy she Idaho Gregg, welcomed that I've Ramsay show a day than to get to chat with here real quick gotta that a question for you about two years ago. I purchased a piece of property it with the attempt to build a house on it with housing. I should go a crazy, a labour shortage out her boyfriend lumber prices, everything else, my wife and I decided we're just gonna. Hold up on building stay were felt a watch in the two years time though there is a lot, we paid ninety thousand dollars or is now worth about two hundred and thirty five Why wouldn't be too bad in two year? Thinking about decision Joe, but the question is: is the taxes when we shall itself might like her

I own, I all about two hundred and ninety thousand audit. I have about eighty five key in the bank and we pay cash, for this probably should the whole to thirty. Basically come back to myself. I can't technically pay off my house, but I'm worried about the taxes on that one. Forty instead of capital, do they will be the eyed and goodness it is capital gains is not ordinary income, so you can be taxed at fifteen percent leisure. Make over four hundred K. Do you? I do not know how to make about two? Fifty ok, so you go Tax are fifty percent on the game, which is a sale price, minus expense. This is related to the sale minus what you paid for it. Your basis equals your game and fifty percent of that number needs to be set aside, which means you're gonna, come up I have enough to pay off the house. Ok, so, basically page and I pay off asthma. Because I can, or should I hold it hold onto it until I got the lump sum gimme. The numbers again you paid work

fortunate showing it for what I take. Ninety flint fell in it for two thirty, so that's the one forty gain you're talkin, about how we go about twenty thousand. We honor. I thought we got a lot of twenty thousand. Our tax bill give or take you make to fifty our Alright is an already closing. so we held under contract and backed up yesterday. Today we have another offer cabinet, though little closer extorted a closer. January first. Ok, then you'd, Axis aren't do until April fifteenth eighteen months later, since seventeen much lighter and you re a cash flow, those taxes and go and pay your house off absolutely absolutely Ding Ding grouping with data Ramsay, while

go Gregg. Yes, awesome to your man. Two and half years makes a hundred and fifty Grand has employed ago. When you go boy, she look at your economy, cooking over there. Man, like it, it's a great town by the way, a lover to good stuff man, that's cool Greg. If you just push that out, and it gives you till the next April, the fifteenth to pay that bill and United the quarterly or anything on idled. It can just sit there, but now go and put in your budget with your paid for house to have that twenty Crandall, with a sneak up on you does the last thing you much sneak up on you from behind a freaking arrest DES. Tell me about Darwin. Dont want the KGB. My door stood out like this, lashed blush, their large now would have lessened. Really, oh, my god, you talking to James,

our producers are carried on your associate producer and phones, greater, I M D Remsen, your hosting we'll be back. Hey, it's Kelly Associate producer and phone screwed up for the Dave Ramses chef. If you would like to do your Jeffrey scream, live on, the show, make sure you visit day for Amazon com Show and register we would love for you to come to national until day. Your story,

Money isn't the only then can we talk about around here. Get life. Changing advice on your career, for my good friend and career expert can combine all my can 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, it can Coleman 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, joined the conversation on the can com and show here more from the Ramsay network, including the current common shop. Where ever you listened about gas, hey it's The producer of the Dave Ramsay show this.