From the head waters of rooms, resolutions about gas from the dollar car rental studios. It's the Ramsay word that is down gashes gang and the pain of mortgage loans taken the place of the Bmw status, symbol of choice on day Ramsay. Your host, Anthony O Neill Ramsay Personality number one but selling author is my co host. Today, as we enter your questions about your life and your money, it's a free call. Trouble eight eight to five five, two to five and some say advice is worth exactly what you pay for it:

first, where those in Birmingham a Jeff, our you. where are you better than I deserve? What's up in your work. My life and are currently on baby step. Three. We avoid a three month of expensive saved up. We ever potential Don't worry. I've got a job opportunity by a potentially coming up in April and made, and we also she'd our Greek Tonia. Looking to replace rigid. now, two weeks ago, she respecting our first child excited, but we're just curious, like your life on the next step. Should we begin baby step for ye? Shall we hold off and tar saving close banks or what shall we do while well at mean All three of them are predictable. Events and so we should save in addition to an emergency fund because they're not really urgency since their predictable gap. Absolutely, how much do you

I'll. Take you to move. Jeff is your job. gimme, a moving allowance, Potentially were, but I don't know the exact figure burial from cash they might be able to get up eight, possibly ups about a thousand dollars, a movie expenses Chaska. I wouldn't worry about the car right now You say you want to go ahead and replace it. Eventually, I'm not worrying about the car I am you. I am moving on a baby set for and I am starting the investment process, but also at the same time, like Dave said, I am, will be focusing on saving for the baby and in fact If I'm gonna get some movie expenses from a company, if not they? Yes, you may baby severe or so you can go ahead and prepare to move, because that is surely that is a must now, when you have all three of these things together, what's gonna come out of pocket for the move out of pocket for the baby, in particular make sure you have that addition to your murderously phone, but before we move on to baby step for buying the car,

think you can probably save up for to do to do that and I Cora I get a little while it didn't suddenly become old. It was already hold three months ago before you got another piece of information right, so you know you do You do on again budget to pay cash forward. So you don't it up a little stupid car payment right absolutely Absolutely. I will tell you this is breaking we have not told everybody thought is light. You know you're the first one another were expecting a first job. you should have told, told your parents, before you told her you design, but to the whole world. You don't like. You know right now, told twenty one million people do this well can actually located to do this. We give our scandals have allowed toward power. No meaning! You need to call him it's too late that I've already heard it well. Congratulations were so proud for you, man, that's awesome and yet so bay first travel or our move as second and cars. Third

depending on your household income? How quickly you good pile up enough money to take care of those? I might pause a little bit and wishes ready for unknown situation, the boy The thing is, is your actually thinking about all this and doing it intentionally is not happening to you, your happening to it, the ESA and Dave Otto. Haven't you but you do so. You know what I had my first shout. It is safe to say about Five to ten grand is a good extra cushion for baby. It depends on what you're just gonna cover. what is its health insurance for this company will cover the laboring delivery and watches deductible, and does he have a nature say you know what's out of pocket, if your PA, in cash for it. Now you would lead the ogre. You'd need ten gay, probably in today's world, and Of you, if you do not have insurance for labour and delivery, but most, I shall do nowadays and our most most policies do and so

What's your co pay, what you're deductible, then you can calculate and get an estimate what you're out of pocket is gonna, be now what the total cost is, because it doesn't matter that what matters is what you're gonna have to and then yet not much to get ready for that apparently arm eight and are then we ve got up? You know thousand dollars, will not move you right. Father our movie, another four thousand there right So, if you're making a hundred thousand year, you can do this earthquake. If you make a fifty thousand years, you probably don't take a few months to get ready for all of these things are coming at you, that's what you're facing. Why do? Go man, cool Sean, isn't Pittsburgh. I shown. How are you I do thank you so much for taking my car sure. How can we hope so, four years ago, my wife and I bought a house in Colorado that turned out to be a big mistake. We couldn't afford it without too much house

We ended up selling it two years later made about thirty grand profit alphabet used it to sell to get rid of all the debt we had moved out. Virginia where I got a job of youth. faster and now that job has kind of ended and will at moving back to Colorado, and I was wanting to ask you if it would be a good idea, plan here worth thinking about moving in with my parents that we're right next to where we work in Colorado remotely right now, Thinking about moving in with my parents and living there right freely to save a bunch of money for a little while and then buying a lot of land. and then using that land as collateral to get alone should build a house instead of by one outright because of the mark out there the how you so expensive we're like what we could. Probably bunch of money and have tended equity in the house already, if we just don't want instead of by one social economy ash. A couple questions before Dave jumps in here are: you said you workin remotely.

so are you no longer pasturing in you? Don't you doing something else here, so that the pestering job I have here, is I'd feel I'm calling beyond this other things. In Colorado Fatima back there, and so I put in my notice that I'll be leaving in July when my wishes up at our apartment here must Virginia was gonna, be moving back the Colorado and what we doing and how much money will you be making a year? so, I will be pursuing a new job to like make more income, but right now what we will be making my wife and I together will be about sixty two sixty five a year ochre. So here's my ass required before we go to our commercial break. Now I don't want you to go back in which a parent or not- and I don't want to get a piece of land right now. You need to go ahead and you get a solid foundation.

Google, rent an apartment and they followed a baby set? Some negative sounds like you: don't have three months in your emergency fund already correct yeah debt, so getting apartment live below your means and going ahead of you said you paid off all you get your three to six months. Set aside the you and your wife can start looking at land down the road. We need to move into your parents house skip over baby set three. They go by house, you will be right back into situation. You are today so again. Apartment get three mice and you'll be straight exactly the on the idea of buying a piece of land and building a house in having a bunch of instant equity is not going to work out. That way. When you finish building a house, you're gonna have almost in it what you would have had had you bought a house, that's what it costs to build a house and show you dont get like fifty percent discount. Could you built from the ground up? It doesn't work that way. So now I think you get that he's right. You need to get a little apartment for jobs in your career, solidified and then start grand

working away back into homeownership. At that point, That's gonna, be your best bet, folks huge fan of simplicity? And that's why I've recommended simply say for years to protect your home? They introduced wireless security over a decade ago that took so many of the complications out of getting home security. You customize your system online. It's deliver, do your door at you, set it up yourself in under an hour after that, you have twenty four seven professional monitoring right now visit simply safe direct bad com. you get a free, hd security camera within a new system.

Only around three version. Reality is my colleagues today. I am favour empty. Your hopes like for joining us on the empty shell, Emily is with in Green Bay, was concept. I Emily welcome to the show. How can we help who? So my husband I got married in November And we ve been talking about having a baby, not wait. This very. But sometime in the future. But all these number You see you everyone, expensive by hundreds of thousands of dollars and I'm clamour I'm just wondering. How do we decided? We are financially prepared for baby. You are the aspects

it is. A hundred thousand now haven't baby Emily, I'm never having a baby, those numbers are are stretched. And they really emotionally come into play if you get in to a super large family. But if you have a couple of children, ass majority of your electric bell does not change your water. Changes a little, but not that much your food will change some, but not that much first couple years ago from no and diversion other things, mandatory, pediatrician bills that come at you and kind of staff, where's joked and savage the Tories federal law in the first three years of a child's life to pay the pediatricians porch bill, but they dont really make that much my pediatricians down, but it still fundamental them, but the Yasser yoga. have some cash, but the idea that you need to have two thousand dollars in the bank before you have a child is absolutely ludicrous. Now

will you realize over the scope of their life that you spent two hundred thousand now you won't even realize it because it just like you know we get a little bit more macaroni. We get a little bit more another six pack of we call our whatever I may use whatever it is that the family, each they just gonna, eat it, and so we now, if you asking the question out loud, you probably can afford it. Look. I have a baby Emily. We don't we. not have never. In the history of roundly solutions, told someone to have a child or not have a child based on their financial situation? Obviously you want to use common sense and reasonableness and if you're completely broken you make twenty one thousand You don't have sixteen children, it's a problem. You know that Carling S common sense and reasonableness, but you know the typical

middle class family doesn't have any trouble affording inherit gloats their children, you're gonna, be just fine. I agree alike. Dennis Dave, I'm proud of that answer. Pull thanks, I feel better about myself. You know a Dave. I have said this autonomy from one percent. Is I don't believe in the first six months to a year you should you should have a baby and of your marriage is, should be spent with jobs. Getting to know each other and figure out what you gonna do what you like the other tomorrow. national equation: the right: it's just a space yes equation in almost couples. Do that yes, other couple: her I'm really try to have children. I know and that's. Ok, too. If you want to do that, we enjoyed a couple years like talking about before Denise came along and arm joy every year since she came along as well says and none more her fault when, where the other, so that you know that that the first baby right, but at the time

but he out in time in any area of your life money relationships, anything you can give yourself margin. That's a good thing margins, never a bad thing, and it gives you you come to smooth out the waves of life, a little bed, aright Miltoners Tampa Florida high Milton how're, you Dave Budget to speak with you, and I didn't have the new sure my question. So I bigotry meeting to my for one came about twenty eight years now and just last year they opted to give us an optional Roth wore away, though I took that option that contributing to the traditional for Wednesday incited contributing for my bra The matches the same on the raw good as it was on the traditional good dough, although, although I currently have about two million dollar network, I figured anything I can put together patch that gross tax free would benefit me in the longer you are right, but my butt,

can I will over the raw portion of my for one came into my Roth. I re yes, It will be a different all be technically a different account number, but you can always roll over a year fora. and Katy Robbery, if you ve, left the company, are you still work under the company, the company for about another sixty eight. No, you can't move for a one day while you still work. There will know that I was just trying to be trying to get ahead of the game here to see about it. If I would do that, when I did all we are somewhat yes, I would do that. Ok I'll take it. I couldn't see that the differences is one account number and it shows I for one am I statement rises in broken down. Let's do raw and traditional raw. How old are you. I'm fifty four. How much is in the traditional portion of your for a one Kay, the Vulcan

It is about one point about one point: six million: ok, I'm began to move some of that Inter Roth and pay the taxes on it now inside that for a one, gay, ok, because it will show you my father thousand over and you pay the taxes on a hundred thousand box or guy or what come on, get somethin like that are not in a quarter. Obey your taxes before tax rates go up and apparently they're going to. According to the president, he says he's going to read, taxes, tax rates and so on. People that have the kind of money you ve got an before that happens, maybe you move some of it into Wroth and go and pay the taxes on then let that additional five hundred k grow tax free from this point forward. So, just paying that I wouldn't have, I have the hundred and a quarter only about sixty Now active smilingly. Aren't you don't need to do it? You don't need to do it.

thinking. Maybe, with that kind of net worth you had some cash outside of retirement, but now you don't need to do that, but whatever can afford the move and pay the taxes with cash out in your pocket. I would go ahead and began to move it inside that for a one tat came to Roth now when you retire whatever's raw. You can move to a wroth and it will be a different account number. Then your current Roth, I already. But could be in exactly the same mutual funds. Your colonel, ok, but roll over. Just don't combined with existing, is all technically. But it's just an issue of fine line. I appreciate that some very cool man, you ve, done great, congratulations, inherit any. This is all for one came money, so you became were two million dollars from the ground up starting with nothing white ago. Thank you very much, that's impressive!

and fifty four years always couple million dollars ass excited me day. That's how it works for me. Listen you can't stop saying you can't be a millionaire. Follow the steps you get there he's not a millionaire he's a couple of me: there's probably bag, hammer, but you are they really what your man is a million times over right? Yes, a multi million, yeah, we get to work at a really dear, now, let's say Dave, he did have the cash. Would you even so hey glad to move the will of the whole one point: it's over to the Roth In my view, it would be very hard to swallow. Met. Emotion, But mathematically then, from this point forward it would All grow tax free. Yes, that's gonna work out for him and that because you gonna pay taxes, A higher tax rates are later because the tax rate, probably going up. If this current president Congress have their way and I suspect they work, as they all agree on everything right

so you know that their looks like taxes on evil, wealthy people are going up. So then, me magically it makes sense to do it now. Could you save yourself money if you have the funds to do right now? If you just take them me, out of the IRA write a man like reduce them. Point six balanced by enough to pay the taxes right. Then it's a wash mathematically because that portion you took out would have grown do enough to pay the taxes anyway. Yes show you had been ok, yes, but come out better off. If you ve got a ten year period of time or more role, if you can pay another Pagano babyship. Seven yup, you got for money laundering, is a multi May internet, you don't need the full with that, if you're in baby steps. were three or four or five. What I read in a secure still mean pair of your house. First, for you talk about that strategy. Yes, but any money you can get out of taxable accounts, if you're gonna become wealthy, is gonna be a good idea, because that the tax rates,

political climate appear to be going on up to this I am current times, have shown us anything. It's that everyone who has a family counting on them needs term life insurance. For over twenty years, the only company I've recommended as Zander Insurance. Not only do they search all the top term live plans to find you the best rates, but you can now apply completely touch less over the phone or the internet. They also our plans with super competitive rates that don't require an exam, allowing you to get the coverage you need fast.

Go Vanderdyke com or call eight hundred three five. Six, forty to eighty two praise in the lobby of Ramsay Solutions, Justin and Heather, where this hey guys. How are you today Anthony welcome? Where do you guys live? We let it run. It Memphis Tennessee and call your will to about three hours down the road there. S where I welcome to Nashville in all the way over here. To do your debt free grandma, much of your paid off just around hundred and seven thousand dollars could make grew longer that took it took us

over eight years took a while work too and your range of income. During that time we started off around one. Forty got up about one ninety four a couple years and then we're back down around the one. Forty range it get our part time work good for you, I'm guessing with this a mile and how long it took it must be. You paid off your head. Yes, sir, look and I were re rye- is just right off Ellsworth, three sixty three seven! it's all yours? How old are you two weirdos? Thirty four in today's for thirty fifth birthday B Lieve, a ball was waiting all happy birthday, Mary, no better way to celebrate screen baby. Let's go mad for hundred and seven thousand eight years so tells a story. How did you get started on this in one happen? Well, and I waited

Missy school. So that was a pretty big chunk of many doubts about seventy thousand dollars and he was working at one. Your momentum churches during that time, Bellevue, bows, church and he's he's a pastor say he was on staff there and they went through. program, tat he had actually read. I think so, before he found a bookstore and saw your face on a book like I get it on a whim and read it in spite of them read it in a morning. This, I think, is around twenty four, so the time yeah and can I went from there leading a few classes- and we took our church through at last year- again- is a super cool. The sea. used. You guys in our lives, Blossom IFOR Church, because we don't know what twenty twenty was not bring. We took our whole through church through it through twenty nineteen and then boom and are really happen,

people, yeah Hoster games with good man is good, have room then we're at Cairo First Bab just now, and they ve gone through as well as our while Betty Way. Yet I just remember having this distinct memory: taking out loans in pharmacies, for which I had some help from scholarships, but not enough, but I remember checking my loan bell and I think I did it like. I checked at one day that I tracked it the next day and it had gone up like two or three hundred dollars in one day, and I was like oh my gosh these to die like as soon as I get out of school like this is just not gonna. Work like I'm, not gonna, keep what pile up on our our long ago, remarried thirteen years almost yeah up on thirteenth, we're through the student loans and the other day in the yard, on the how his head out loud, went by really quick, because we just kind of lived on his salary when I got out, and so we are disabled hit that really hard sounds like a sprint, and now

die in. At least one of the keys is, as you make more money just be content with which you have some good. Don't just keep increasing, increasing you're spending because you're getting more money, and so we just there is one thing that we tried you and I got Rachel's. I attitude Journal, hurt him a journal. Man just wouldn't run the daily, remind myself just to be satisfied with what I have had to be content that that can help long journey here. But the house tat was just a marathon me and not just tick takes a while to go from a gas homeward debt to your your mortgage, assume a dead on procedure, be, did you say, Miss account three to six months in there. What why like? Why did you want to attack the mortgage unnoticed, babysit, six, but you're young thirty, yeah authority. Do you twenties like why? What was the thought process by their o one of two things, you threw a few, you go. You go through people, indifferent life stages and us all and hurt so me stores of empty masters, who

I wish I had this in my twenty and thirty still and they were speaking wisdom in our life was saying. You do this now you'll be more free later and that's kind of how I viewed it has not holding my future continent chains but being a being physically, possible so that in the future I could do you ever lower calls me too I am not bounded by debt, and so that's gonna helped us the last few months since we ve been out a debt is we can now give more to things that were passionate about and when a water line, bus in your house, you not freaking out, gives you know you prepare for itself. So I go part time or the house from the Euro area. Yes, that's been huge, that's a huge big lifestyle change and it is because we ve worked the programme honestly. Let us pay! You paid off your home at thirty four years old, you ve done it all your absolute. He rose tell people what the key to getting out of debt. again. I would say being content and then just sticking with the budget and working the plan, its color

add, plan is better than no plan at all, but there's a good plan I always tell people, you know incomes If you are not a paid salesmen, I'm satisfied. Customer After all people, you know just work it and give it time- and you know you say it's where that we were in the crop pot business, not the microwave business, and it's tough and I want to say like if there's someone out there who may be beginning this kind of process. I just want encourage you, because it's gonna take some time and its hard, but it's worth it and having been on the tail end of this year, just encourage people that it's worth the work Europe free and build a give like never before, and you have freedom and its great so over the eight years. What was the hardest thing that you two had to get over? Well, you never want to get in the comparison game of comparing yourself to other people and because you won't you pharmacy school european buying like Mercedes and is taken out war, more loans and we're thinking.

crazy forgiveness and hence in to say you know what I've seen is what's helped Us Anthony. Is God adjustments, so faithful felt the whole time He's provided for Oliver needs an. I just leave her that, when we're faithful to him he's faithful to us and Europe which you so and so part of Asia, sticking with the plan and put your big boy hence on and just gettin after it and it works. It works. You guys were obviously very unified in the process to yeah I mean spender. So there were definitely sometimes when I was not happy about not being able to do something by now. You know anything I didn't even know for we science is so impressed with you. Guys are amazing. Very very well that and he brought the ghettos, You do that for his grey, more names and ages, Madeleine is our first see seven and-

Kate is five and will true. Men is our Maybe he's one go Truman natural shirt with dad. We saw some man well done, but we got a copy across organs book for you every day millionaires. It's definitely the next chapter in your story thank you for leading financial, Peaceful Europe urge and thank you for doing stuff. Absolutely so proud of you guys very, very well that aright o k, Madwoman Truman or you re to scream. Are you ready, nor I we're gonna counted down just to than Heather from Memphis Tennessee, four hundred and seven thousand paid up in eight years, making one forty two one? Ninety two one, forty, every bone in lorries Zira debt for each group, three, two one,

fabulous man. That's perfect that young friend my house payment. That can be so much I wanna years this and making their cunning income. These are definitely millionaires within the next few years and I know how to control it and they have completely reformed there means renewed their minds, as the Bible says, they not conform to this world, but be transferred We have other renewing of your mind and that's what they did is absolutely incredible, very, very, very well done what an inspiration those little kids ran their lives or change forever officer, that's their kids. Yet that economic kids? I mean incredible, we're gonna be in such a completely different place stuff. We teach works, guns words, simple,

This is the Rams issue well, tax evasion is upon us. No product can train your sharply

nobody likes do in taxes, special after a year like twenty twenty is a hassle to begin with. But then you go look help in these so called free tax software tools get your knee deep in the filing process and then sucker Aren't you without on fees and credit card pitches and try to get you a mortgage or why the now try to sell you a refund loan, where they alone you the money for your refund early- oh my goodness, and there to add up interest rate on that baby, while others about to do it. None of those gimmicks, it simply Ramsay, smart tax, deserted Brian New Tax filing software, that will help you file with confidence. and with Ramsay Smart tax. You get up front pricing at a very inexpensive deal and friction no trades and if you're a member Ramsay Plus, you can use Ramsay Smart Tax for free well check them out. She touched the word tax to thirty three, seven, eight nine

check out. Ramsay Smart tax by tax texting tax to three three seven, eight Nine Quinn is weathers in Denver, high Quinton. How are you, I'm doing get her. You don't it better than I deserve. What's up hey, so I'm in baby step two eyes While eighty on my students learn that started at one twenty, I paid off forty last year, making fifty good for you I have some medical issues. I had like five surgeries. What I've got your high school in college in my left me and I no longer have cartilage in my left me and I need to get these very expensive shots thereabout. You know about an hour the shot one one a week for three weeks, every night fourteen months

curious. How do I plan that into my budget? Do I do the second option, my doctors giving me, which is ten thousand dollars in what is called the stem cell treatment I met into and my budget so that I can now the inasmuch as I am walking around. I'm sorry, that's awful! What do you make? You should fifty yeah, I'm a make make around fifty. I make a lot of overtime, so I made like fifty eight and older time last year, joint what either engineering browser coordinator for mad devise and drug hourly company, random stuff all day long, and then you need some other yeah. Well

it it sounds. I don't know what the probability the stem cell is, that a hundred percent at work all the time or is it just a hope it's very. They say it's not thoroughly approved by the insurance, India, because they're still doing their their trials. So but it did the science. Scared. When I looked at it, could I not to read those neighbours? Not what I'm saying, if you do this, isn't a ninety eight percent chance, you're gonna be ok and then Seventy percent chance, which is very high, and, in my my understanding of the world, no way they bothers under trying to gauge three thousand dollar shots and pain. in our shops, the three through three one thousand dollar shots and pain. Regular versus tan. Well, if you break even after three rounds of that right and manage the pain and I'm pretty much So I don't like pain

so I'm trying to figure out a way to do that, but you gotta thousand hours of student loans that laughed left home. So if you make it one more year without doing this procedure, that's gonna cost your three thousand dollars right and it will move further out, o the clinical, possibly to become ensure insurance covered right. Gaza boy, but there are these things taken over ten years now, unless it's a covert vaccine that it takes about ten minutes so interesting, how approval strange on things, but the yacht media could very well you could be. Is it serious paying can yeah yeah? It's rather

area to you now, I dont want to walk on it. Even you Niners minor, short actual heritage. Somebody else such business. It's all pain, I'm trying to think that I have. I would do in your shoes, knowing that I'm a complete coward and you're hurting show I'm trying to empathize. Never had this exact thing, obviously, but farming that much. Sure did do the stem cell thing and it did work, but it was a much smaller situation than you. Ve got show. I don't know. If I will. in your shoes. I probably would stop everything and come up with a ten grand you earlier, the only other thing that comes to my mind is it is more Interesting to me that you are in that in and around that business, and I wonder if one of your

Ah, leaders with your current company knows the leaders with the company that provide the other proceed, provide the other stuff and can't get you some help, Pricing now hired already went down that path. I tried some other things that that my my boss knew about that were in development and those does with pretty ok the other day last the amber did they are. I guess the is the actual injection that is so expensive or just the procedure itself. the treasure. You action on anomaly that stem cell there. I think it's me As I explained to me, they they take a sample of my me and then they grow up in a lab in Boston, and then they inject it back in the morning after its ground and now comes around ten thousand dollars and ambition.

the company. That does all that should have a friend working inside your company. That's what I'm hoping, I'm just gonNa Catania Part Programme on that- gives us a ten thousand dollar discussion and if they knocked off or somethin, because you you push room define one degrees operation here. One your bosses NOS one of the bosses over there, probably that's what I'm saying Let's go hey do my guy. I do my guy favour here, man and take her. My guy what a listener not made. Those phone calls for people here are not not medical called, but in other situations, when I met you got that over there would you take her mother, yeah, take urban and how you want right and that's, if I could you're that out it would help speed this on the cheap this gets the faster. I would do it you notes, and so the beyond taking care of your name and then you need to get this done and what the seventy percent probability but the rest of it. I'm gonna, I'm gonna, give it a try for I'm in your shot in your situation. What are you doing now?

sandy Dave and even right now, you're gonna need done. Never never never, but I wouldn't amateur Hogan have on pressure. He has expressed a powerful box of idea, but while he's looking at that, I'm starting to safe for the worst case scenario What a pity for ten thousand young will build the town as fast as I can during that time, I'm gonna work every phone and every connection and try to get a better deal which gets the procedure done that much quicker quicker. That's that's interesting, very interesting discussion. Sorry got you'd, have em now really open phones, polite, eight to five five, two to five misty, I'm short Brandon. Says I just started following your baby steps, the largest dead I have as much student loans. A hundred thousand dollars should move this to babies. sections. I do not have a home now, though, what were wet confuse if he is still allows right here,

No, I'm sorry data through me. Why would you ass well because as a huge loan, it's so no bigger than a house alone, and so some people often ask us you don't want to move to. Babies have six just cause. It's big now know is babysit to eat well you're, not getting rid of Sally May. Even if she's, a big yeah, see exactly my fellow programming Thirdly, we must not be allowed to get rid of the national matters, a nasty muttered a thousand dollars the only way go away as if your target, not if you put it off right So we don't move the baby. Don't move the student loans to another, maybe step because of that it's I've had calls. Were people said, two thousand adjusted loans at sixty thousand on my house, and they want to move it like. No still under still got to attack it and get rid of it ass, a thing

my stuff, our entering. Yes, our exchange child and jelly, and I'm sorry, but I'm sure your hosting the ram share. This is James child. You serve the Rams issue. Did you know the Ramsay Show is one of the most popular party ass in a world subscribe or followed today were ever listen

have you got questions about retirement investing and becoming an everyday millionaire? Go beggar and broader with my man, Chris Open on the crucial densher. 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 crash Ivan show wherever you listen about gas hates J producer of the Dave Ramsay show this.