Why, for my corner of Ramsay solutions, broadcasting from dollar car rental studio, this is the day. Ramps show its wherever the exiled to have a conversation about your life, your money, your work, your mindset relationships. I began Coleman both of the gentleman shoulder engine that were joined by my colleague, ribs personnel. Communal. Most of the table with the new Youtube and coming soon a pot cast yes, big news, so stay tuned for that can't wait. Yeah, it's gonna, be fauna, we're here together triple eight eight to five. Five, two to five

your for you hope, clarity, confidence, courage, Is one phone call away AAA eight to five five to two: I've, let's go to Dallas Texas, were Nicholas, is on the line Nicholas Hocker we'll do things like Michael sure so I am not What was that and I've got excuse me. I'm gone medical bear legislate, depleted, putting the entirety of my, three shavings start button much money down the drain. and I'm wondering I've got enough time to feel comfortable building that that up It's over some time my question: Should I switch back in his diet into it and to around my retirement and

Investments should I be able to discuss the issue that I know tat. Telephone. Let's go right now. Yes, bottom line, here's! Why Nicholas? because what I really want to do is understand if, like the safe and example in emergency, comes up six mushroom, and the only have two thousand thousand essay was a cow and its is five thousand. There were to go and do they either rob Peter to pay Paul. You can go back into debt, so what I want to give us pause all of your investments, get aggressive to get the three to six months back up in an running and then get aggressive back baby sent him before and if you don't have any case, can I'm gonna would babysitter mistakes, but I'm just gonna hadn't just attack man get Guinness three months back up already. Are you say

do you have to have a family circle there. I saw your three masses, but about five to ten thousand Ozma each around six month is around sixty five hundred on itself boy. You look good six years, because it is a law that cheap Gaia Summit only think it'll take you be when aggressive and you went out at how long would it take him with us turning to investors. I could knock this out and probably three months you sure, shorter byword bottles and Nicholas will see in Cuba you need to be doing traffic at every churches in Texas and make up that money quickly, yeah, really good stuff. Thank you for the CALL Nicholas AAA eight to five five, two to five our knowledge go north of the border Alberta, Canada is we're. Abigail joins US gale, how can we help? and you're gonna got through,

Question is, and me my husband start our curable courier business or should he be looking for something minimum wage just to get us that point. He just got laid off for about three weeks ago on the second time this year and we're trying to figure out the next step to coming back to where we were. How much was he making before the to lay offs gimme at about an average you about making fifty two hundred a year a month? I forgive you, Did you get fifty two months? Vocation sixty thousand just north of sixty thousand a year and is dead here. You stay courier business, yes, that's definitely or deciding. Ok, add what do you projected doubt would would bring in an income revenue, does call revenue right now. What kind of revenue that bring in the first three months? Have you projected that

Are we haven't got that far yet? we read, worry Wonderingly this issue just started now. just because we have the time and energy or if we should thank some first Well? That depends on the answer to this question. Okay, and that is what kind of cap do you need to actually get this business up and going capital outlay too, to spend money to be able to get this thing up and running how much honestly urges the insurance barons. We already have the people we ever minivan and I was what we are planning to use for the press so very little to no money. What's the insurance, so I know insurance, I want to say, probably around maybe two hundred a month. Ok are now the big question is when he was making sixty now he's making zero. Presumably can you I live off of zero in his category and live off. What you're making

I actually Amazon homework for now Can I saw happening than the answers I quickly? No, I didn't. I thought you were working there's! No, he needs to be work. Yes, he this this courier business. is a side hustle at best right now, so he needs need a day job. Let's call it a day job which takes care of you all, If he may, you may have to work to day jobs to get up to that five thousand dollars. gross some off. Ok, but that's the first thing I can't get that taken care of first when you guys get stable Then we save up the money too slowly ease into this courier things. Psychosocial, maybe he's doing it too. Fifteen hours twenty hours a week as an extra job, maybe even a thorough job depending on its realistic, but no and I tell you know, you're saying: oh mom, a union looking for opportunities if its reasonable to work from home

so that you're still there with the kiddos, but if the drc- Miss Riad, eventually launch this and make that your full time gig. It's gonna take time to build that up. But right now you guys need income and it sounds like quickly MRI. category eagerly quick enough, we have about nine months in armour, ok, fine words but listen to me? I don't want you using your emergency fund, a live off of it supposed to be for emergency, so if he can work to jobs, If you work with a shovel drive a car for himself, he can drive for somebody else You guys need to bring in income. Do not live off of that a mercy fund, try not to touch it the family in the area that can watch the kiddo. Some as worrying. I am here he could kill us before. We actually know haven't oil. Have kids used it? Oh my gosh sweetheart please go get. It or maybe to you guys get after this and get your income.

combined up to where he was that, and then we think about the courier business. There's no more discussion on that. They both seem to be working day. You're really trying to hold back. Let's clarify this: the emergency fund is not to live off when something when lose your job. The emergency fund is for a emergency, and an emergency fund is to say, for example, you lose your job in your out, their hustling China, five something you can't find anything that's emergency, but this sounds I just to people who don't want to get out there and just work. You have dreams, but you don't wanna get out there at least go do somethin minimum wage, which you gonna be an entrepreneur. You can't be an argument that one political work, I would be quite like this. You can get after out. You know you can get after two jobs. You start the courier business Start drive and people around Turk, deliverance stuff, goodness gracious get to work,

all right: we're going to change your mood to have some more people. It is a free call, eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five. This isn't Dave, Ramsey Show We believe a great pair of cowboy boots should be comfortable right out of the box, and we believe that your harder and dollar should go far. So we only sell directly. You know retail markups, just amazingly handsome western boots for men and women find your parents. covers dotcom, Slash, Ramsay and for a list time use promo code Ramsay to receive a free, campfire mark with any purchase over a hundred dollars. That's at twenty five dollar value offer valid online only while supplies last and it and soon

Three Ramsay show continues from our Ramsay solutions, world headquarters thrill to have you with us, Tripoli. Eighty five, five, two to five Tripoli, eight, to five, five, two to five: I'm can Coleman joined by my colleague, Anthony Niels. We take your calls, I don't love. You folks are like me and I think most of America, but my car hesitate Much of the road this year because of the just limited travel opportunities. That means less risk for your insurance company, which means you might, a lower premium, the smart, some car insurance companies have already started giving credits for about fifteen percent of your premium. Now, if you're, confident you're paying the lowest price for your covered good and take that credit. But if you're not confident settle for Skippy seventy dollars, savage, maybe it'll, save way more by shopping. Those rates deceive you could save more connect.

Than endorse local provider or LP, it's something you can do from your couch and it's free to have an agent shop rates for you. people who work with an eel p save around seven hundred dollars and after krona buyers, every penny counts? Never again, should you put your insurance on autopilot do you have someone shop for you, saving time and money text, auto twenty three thousand three hundred and seventy nine text auto to thirty three thousand, seven hundred and nine to get started. Now, that's auto three thousand three hundred and seventy nine. The number to text that work. eight eight to five. Five: two to five is the numberless go to San Jose. California now were ed, joins us add. How can we help can? As I beg you for taking a call, I have a brother and sister who own small Business ACT, a couple of small businesses and obviously therein well

our industry, and so they ve been Herod, really hit very hard with others, endemic ended you're asking me for some money to kind of euro help them get through This part to hopefully lacking when everything open, backup who knows land, but I'm just trying to balance of how much should be giving them it old towards kind of like helps them, but doesn't gonna hurt me in you know in the long run this cannot live my question: how much are they ask for it? Well, they are trying to raise around a hundred k for what was its. Their businesses are in San Francisco and so rent a couple of businesses I would like that I'd are. We haven't talk here in terms of big, firstly, when they want to sit down and talk and you know figure out. You know what they are trying to do in terms of the money they need, but I want to be prepared.

Myself about what I can offer of by catch, or can you offer my what you're my situation. So I think in doing ok, I'm so pretty good. I guess I'll be ok, my working for we have a combined income of two hundred and ten Kay We have of total investment around a hundred fifty K. Six hundred fifty, which are in retirement two hundred k, which are in brokerage investment accounts, I we have. I have told capers we had a rainy day find we have twenty k, any consumer debt kind of went backwards. We how we bought a car was sixty thousand our car, but we'd downplayed thirty k on it, but we do have thirty cater to job at a Bmw breath We got a shot, you're innocent arising out of the castle. He hears my with them when it comes to family members are even phrase when it comes to money.

When I set my financial situation. Am I in a place where it is wise for me to give some one else money? If I needed right now, you you have a lot of money. I am. I want you to pay off debt Tesla gap which they had paid at all right now and then from there, you still have a good rainy day find you so that some than Abbess MRS Evans said I would just sit down and sit down which a wife is a hey. You know: what can we do anything, and here think I would even sit down which a family members, because they're gonna try and convince you to give them a lot more to do this. Do that say no, but hey no need. I'm gonna give you this. This is all we can. Do God bless, you know a vast. Would I do with my family are really only the full story was goin away. If I know you need some help hit, here's what I could do I can give you five thousand dollars is not alone is a blessing and to you and your family, are you in your situation? Both I'm not expecting anything bad, but if I can't do anything aside,

I'm sorry at this present time. I can't do it so I think you gotta have a conversation with a wife and see which I agree with that add with what are you saying how ever to me the work, the correct question in this situation is not how much can I give them? It's? Is it wise to give them anything? and again, I'm gonna come at this, obviously a lot more pragmatically than you can, because your family run. I searched ain't, you got a great heart and, if you're really good dude, but is that he seen you in your wife get to sit there, and so this is a function of how much can we give this is in in in considering giving them anything is Weis. Let me walk through this. It doesn't sound to me, like you, have a whole lot of information about what they would do with the money that their businesses are in San Francisco. I've got so many questions that start with. If anybody

who had a billion dollars and money was not an object, gave the money. Would the cash infusion into this situation? Helped them that's what you gotta get an answer to it, do you have any Ralloo if any cash is gonna, actually get them to a place where they can succeed or when it just prolong? What is looking like a death by shut? type situation in my honour, this room I off so obviously you know that are doing very well it all, and so they were very financially stable. But are you said because of this the the close down wonderland until they have to continue paying red and yellow and oh, he is on its trade with a its alone, but, like I said, but if the business

you know and the other with laughter and every last another year or so in all they might have to you, no clothes for good, so yeah. I wanna help which is kind of like yes by much yes, but yet again hairs

say, you're, smart guy, and I know you want to help, but you have to ask: how can you actually help because listen, you key, I think it's way too risky. I would not do I'm scared of an I wanna keep at it. I wouldn't do it because you don't know what the what the San Francisco a local officials, you don't know what the governor of California is gonna. Do you dont know of this vaccine is gonna work. You don't know how people are going to treat this thing. I just think that too many unknowns here. I understand that the businesses were successful, but what the earlier point that I made holds you are giving them a perspective band aid and I think they gotta get creative. It's their deal. They're gonna have to figured out it stinks. I hate it form and actually makes me angry because they have their businesses have been artificially.

Killed the EU. This is not an act of consumers Anthony deciding to no longer do this or their bisbee outdated. This is a government suppression, and I understand why not making the case that it should be done. I'm just simply saying their businesses are being artificially shut down and I think they ve gotta, look at all other means, but you you're not you do a well but I'll figure in a position to give her a six figure alone. I'll think so I wouldn't do it baffles me no long period. One thousand alone may be decided you anything. If you to listen to us, he and you decide to do anything if they give you ve, given it to buy here's a delay. The multiple listen, if he's, got multiple, that their talk about multiple businesses in San Francisco, where that's, why the highest rents

nation? Yes? Yes, you know run through that money quit so fast. I these get a sit down to go if they did ass. We four hundred grand I've gotta be able to say how far is a hundred grand go if its rent and maybe some other things, how quickly that run out there? Well, let me tell you something If you live in California right now, and you operate a business in California, where they just told you, in LOS Angeles today, mare, said you can't even write a scooter. You can't walk no unnecessary walkie, making some folks. How do you assume in April May June, at its much, but I just don't know that you can either it's terrible idea. I wouldn't do it. You gotta, look at your locked him for his future. I just items Dangers and I understand its family, and I understand it- makes it really really hard. You gotta look out for you and if you can truly solvent.

then you're just throwing money away. I wouldn't have I've been clearly no. You haven't, but thank you for being here don't move ethical neo can Coleman sitting here on the they ran to show coming right now

yes folks, mortgage rates are really low and while that's great news watch out for mortgage lenders with a slick bitch claiming they have the lowest rates, those deals often come with bad advice and hidden fees. Instead, I want you to call Churchill mortgage to buy a new home or refinance because they think, like I do, call today triple a loan. Two hundred or Churchill mortgage dot com. This is a paid advertisements, animal s idea, one five: nine one: animal s: consumer access, dot, Org, equal hugging, lender seventeen, forty nine Mallory Lane, Sweet one hundred brilliance and see three seven zero to seven Well go back to the day, Ramsay show I can call the joy by my colleague video meal. Is we take you through this hour of the day, Ramsay show Triple eight eight to five five, two to five, tired of your life, money. You work,

we're here for you AAA eight to five five, two to five, it is Anthony. The most wonderful time of the year. I love it. I love it. I love it as we do seems like every year. Would you some amazing giveaways at Dave Ramsay? com or Chris, Give away is some extra cash and everybody can you some extra cash? You can enter our Ramsay Christmas Giveaway daily to increase your chances of winning our last five hundred dollar cash prize or our five thousand dollar Gran Prize, enter at Dave, Ramsay, dot com, slash why, plus you could save up to eighty percent off on gifts for your family and friends during our biggest week cyber. Andy sale. That means you could shopper. Bestselling, audio books and e books. Only eight dollars, you get audio books like Anthony

number one best seller, debt free degree or for don't mind, saying me, number one best seller the proximity principle for just eight dollars did you prove eight dollars. I did not ask for low. I gotta talk to somebody about their email Dave here. Did you do that see how it goes much real follow up depending on how he respond? Hey we also want to keep on giving too were including a free financial, Jeanne call with every order which is incredible deal any resources. Then you get a free financial coaching call, my goodness so when some cash and saves money on your Christmas shopping? they d, randy dot com, slow give away. That's Dave, Ramsay dot com, slash give away! No, Purchase necessary an you can enter daily to incur your chances AAA eight to five five, two to five Dayton. Ohio is where go now? Brian is their Brian. How can we help. We are

the dream. What's goin on awesome but a quick question, for you saw me and my wife for complete that we have a fully funded emergency fund. We are looking at buying a house next year. So what can be said in her we're payment order? Put fifty percent down and- fifteen year more. You know like I gave recommending everything now. I will It is hard and be able to save every last penny, but we can put this down payment so. My question is surely. also be investing at the two percent? retirement global China shaped the dumping or just put that power right down. Thirty three, my wife is thirty. Five yeah man right now? Timing? Is it s? So if you re, if you are in your young twenties obligation, farm dad, but right now what you and your thirties how long would it take you to get to that? Fifty percent,

another year a full year. Twelve, it s? A lot of time, I would say, matches the question where you're living at right now is not hurting you write like is not like. We have to be out within the next twelve months, is a we desired to be out within the next twelve months, correct, correct there. So I would say I will stick to aggressively going towards at fifty percent, but do not stop the fifteen percent. Now you are trying to get some thirteen to twenty percent. I will say it s. Okay to stop, but because you're over beyond, I would say, keep aggressively go in Amsterdam and if you want to put down fifty percent a set of moving out next year and twenty twenty one, maybe move out in the spring or the summer of twenty twenty two and you can accomplish both things. But right now, compound interest is your and our best friend, I'm thirty six!

I don't want you to stop that magic from work on your behalf. Just so you can get into a house just twelve months earlier, I would say, did about do both of em it yeah. I agree with that and and Brian years as you know, you got a really aggressive gulf. Fifty percent down payment- you don't have to do that. That's a desire, but don't Sacrifice your future on the altar of the immediate, and that's you trying to get that fitted which is a number- that's really impressive, but it's not Dave doesn't renovated. Recommend ever gonna pay casual has great, but the point is that There's some great houses out there. Don't that burn a hole in your pocket and Philip? That's what you're gonna do think Ios. Absolutely right, you guys are in great shape and you're gonna say: him for that advice years in for male triple eight, eight to five five, two to five gotTA, Dallas, Texas. Now we're Elizabeth is on the line. Elizabeth. Can we help? good afternoon, gentlemen, how are you alright, blast. What's goin on you.

We're gonna be got free, this man, ah Sir, but really it faded, it'll be thirty seven thousand hours and we started Valentine's day week. End of this year, wow. That's some serious serious progress wait ago, like one. The excited, but I get tired The question is that we also gonna be out first having anniversary within a week, our pay lofty anchor and it's a hollow. his answer with a new one. I was just trying to think of ways to solve Well, she could do to me, Deal and we want to make it a big deal in our family us. So what's your question. Looking burka, judging gentlemen suggestions on what how to celebrate yet

It is only really well with me you're, not doing anything to large. We were making something which were all come on all come on now you have been so disciplined and so amazing other EO. This is a fund. So let's have we, like to celebrate boy you're alive, the solar cell, it's that get let's be realistic, gable it's a number cause you're not going to do the foolish just by the fact that you called us What is a number now? It's your debt, free that you think, is a reasonable number that doesn't make you feel a little too sick, gimme a financial number just off the top, your head, you know, I'm not hold new to this. like to spend on a celebration of some kind. Yes, frugal person like fifty dollars, but I feel it but events Come on now gimme those Gimme the Nod Frugal Party upon.

Animal number which all you know that exists inside of you, after that he answered Agatha cod. What's a big number. q hundred, I would be led into a honeymoon or anything either of noise. How Mayo and I went online hold on illicit. I'm gonna have some fun here. We do this quick. Ok, we got a couple minutes. What are you what's your combined household income? We make about eighty grimly, goodness gracious, what you take home roughly, No, that's about eighty! Oh you take home. Yes, I am a special education Peter and he works and occupational bear the great. What's the line I too much on what was the biggest line on your budget right now, every month, other than when food of course food. What does your rent? Turkey, Another king hundred hours, no better than the current one-

the idea of doing so after so you ve already paid off the dairy about ready to your birth rate? I think the last payment. So I think you need to be streamlined. Interact, payment, ok, listen! I think it needs to be in the. I think you need to be in two thousand range, like really celebrate, I mean a big trip. I thought I think they got it. Our way, Where were you have that are not only not what way do you have three months at your mercy? Fine Elizabeth now not yet saw doesn't always ready to? Yes, I would say I get the celebration of your honeymoon lay before you got two grand. I want you to get. You know at least three months into your savings accounts. I would say right around five into buzz. Is a good thing to do and is not Santa. what kinda say. Yeah celebrate should be clear. I saw I missed the day. To spend it right away. I thought this is after you get that emerge, fine and you gonna really really celebrate so I should stipulate, but I think this is a nice trip. You ve never had a honeymoon worked really hard. I just

to Greece are that much given their income, but I think we will be done with babies that three about March then there that's when I do that. I am talking like a nice trip in optimum allied to three gray, the healthcare. So now we're gonna send you because your cash flow in this. Yet that's all to be mean. That's all assumed here, because you said Brady, not only just a marriage anniversary, but getting at a dead having the Monday morning now go into crumbs five, two hundred bucks. She said the out. If these hours, I wonder in barely go to a restaurant for fit. This can't be my wife watch

I love, spinning other people's money, a vacation stress the people that are then free. This is a fun exercise. I'd like to have all segments where we come up with vacation ideas will be verified by hanging. Don't go anywhere today. Range show continues right after the spring. This is the Re Ramsay show I get common joy by my colleague Anthony kneel, and we are here for you taking your calls triple eight eight to five five, two to five hour scripture, the day comes from John twenty verse. Twenty nine Jesus said to him. Have you believe because you have seen me blessed are those who have not seen and yet have believed

the day comes from our friends. Seth Gordon, the secret of leadership is simple. Do what you believe in paint a picture of future go there. People will follow eight hundred and eighty eight eight hundred and twenty five five thousand five hundred and twenty two is the number let's go to Toronto. Canada asked joins us. There asked her: how can we help I can't I'm really fun to talk to you today will make certain time some. Oh, I M don't worry you my baby steps. Do you have money set aside, but I'm kind of afraid to pay off? my get because I the change career. I am under utilised my job, I would like to go in the stale. The problem is only thirty sets an It's been really hard for me,

to breaking the sale by have a lot of experience in different parts of the sales some inside sales and marketing with sails when you say you ve, had a hard time breaking into sales. Be specific. Does that mean you ve applied for multiple sales charging and I get bites like it? are you apply or you supplied online colder? You lie yeah online. I've had some interviews. And not any anywhere where looming. We free your soul little bit here, because you applying just VON lie with no real connections, just kind of putting yourself out there and then getting to the interview process. You should not be. Courage. By that you know it's a competitive world in in sales like that. I do think that some people may judge you because of your age. I don't think that everybody will, but here's how you get around, that

If you listen to my programme enough to ever hear we talk about the proximity principle, which says in order to do it asked her wants to do. She's gotta be right. People that are doing it and in places where it Let's call it sales is happening, ended up writing a book about it, blood vessel, the proximity principle em and give it to you in this phone call is done, but here's how this actually works so you're in Toronto, Canada, major international city, you gotta, stop focusing on companies. they have a product or service that you get excited about selling. Now, when I say that couple things probably pop: yes or no yeah. Ok, right, yeah, yeah It's absolutely because my background is actually in manufacturing group, specifically food and whether don't gotta eat that girl, that's an industry that been doing very well. So why have I

here I would like to Be- is an outside sale. So here's what I want you to do so identifying some outside sales roles that you're in by that. You would like to at least kick the tyres on. Do the homework on the company learn a little bit the job itself, whatever they ve publish online, then I want you to step back and ok. Who do I know that works at their companies? no any body, whether some acquaintance or very close personal from that works at company x Y, see if he is no than the next question is. Who do I know that? No somebody that worked in that building- we, begin to establish that connection in the that can get there. Ok I'll give you You know what happens if you don't have that You keep turning over rocks until you find a connection who can vouch for you, and will say hey. Let me tell you about Esther she's vanity. She's great. If you work at a long enough, you can have to be patient. So I'm not selling a quick fix here Esther, but if your

shit. You begin that process and you get around people are successful and sales and that are not connected these composition, eventually at all kinds of it all kind of comes round, but you need to be talking to people who are successful and sales the relationship with them. Tell him you want to make the crossover you ve done inside sales. You done all these other things that are of a super ancillary titan? nature around sales, and so you ve got to skill set and you ve got the experience, but gotta, get around people who got all Esther wants to move into this. I've got my ear the ground and in opportunities come to you, but you ve, gotta, talk it up and I'm gonna give you that work, which I want you to read, and I want you to do it. Actually what I tell you to do and each chapter got homework assignment such it's really really clear what to do. Ok, but that's what you need There now Anthony Monopoly Athenian, because your car We employ correct yeah, I'm gonna come home; ok, so

when bringing Anthony and calls on the baby steps. You're gonna go I'll know because I want a transition. You're, not going to leap off of a giant diving board into the abyss. You're not gonna, leave what you're doing now until you got an offer. A sign- contract to go into sales and you you you What you're gonna make what the commission opportunities? Are you going to do anything willy nilly? Ok, as we like to say so, Anthony talk to her the baby steps, what she needs to be done there to catch supper where you are in the baby Stephanie. If he's gonna jump it where you, where you might ask I'm probably maybe said to unstopping off my death. How much did you pay off I have a line of credit of almost forty thousand poker in his at only debt. You have curly, plus my my mortgage on my home again that worry about a mortgage right now it is focusing on the consumer debt arrived at. It was your income coming in right now, growth

he knew well, I can tell you what it is by weekly. There are thirteen. Can thirteen ten servers in about twenty six? Twenty are right, yes, he would here's what we're gonna do. I hardly I'm I'm not making a lot of money, which is why I'm I get out of this new good. I can make money rights which are totally insane and I that you should following Keynes principles, but the make sure that we at least keep the foundation of your fine, is that a good place, and so while your transitioning, using kins method and kids teaching when a highly recommended during read this book. We need to go ahead, an attack, this debt k and will be kept. His income come again until we can have a guaranteed income come again. That is more than twenty twenty six hundred dollars a month. That means Esther if you're selling things the range of your work on a part time job another party

from home, something something like that. That's all helping you get four, but here's here's. Why had Anthony come in here to understand it that you never put yourself in a position here where you would have to stop work. Baby steps when you get the sales job, you're gonna make more money more money than you ever made before. And then you ll be able to pay it off faster, but at fifty six don't limit yours because of your age. your relationships are, what limit you relationships are the currency to progress really work. You can get a great sale shop and do very very well, but I would not pause your baby steps? I would not pause it because again, I would encourage you, even though you don't make it a huge amount of money, fourteen thousand dollar is not a huge amount of debt to pay off and all of a sudden, your debt free new career now you work at all paid off that house in your very wealthy lady. So

on a lot to do two things Kelly was do this: let's give her proximity the proximity principle. Surging, figured out again better job in that bigger shovel. Yes, and let us also give her the option of total money make over if she's already got it than what sir you know, what to do best. There Kelly, you been around, long time slots help her with whatever she needs to get to those babies. maybe it's Ramsay Plus, is the right fit for her there, so either That's our give to you, because we love given away Dave stuff, absolutely not our money, his his No, no, you know you're, not it's. Actually here was that needs to be encouraged. She can still move through the baby stuff so can I get. I give little frustrating when Europe, you say why

a pause. So I can transition well, let's talk about, because if you pause when you transition, you come back to a mess that you could have actually cleared up before you transition, and so I would encourage everyone listening right now. No matter where you are, I wanted a really really focus on transition transitioning in a healthy way. Creating a solid and you do that by creating a solid foundation wherever you are food stuff hates always fond of me with you. My fuckin culminate come on your shoulder, some of the scope for the eight Yahoo here Mary. He said. I think I need to talk to your people that's it we're gonna make that happen. You're busy got hey. I want to thank our producer. James Giles, our associate producer Kelly Daniel, but most of all I want to thank you, America for listening. This is your show. This is the Dave. Ramsay show,

hey, it's Kelly Associate producer phones created for the day. Perhaps he showed this episode is over. But if you heard about an event, 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 cast Jonah section or had ever Ramsay dot com and click save recommence extra listening.

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