From the headquarters of Ramsay Solution Broadcasting on our mental studios? It's the Ramsay show work that is done. Cash is paying and paid out on. Mortgage has taken the place of the Bmw status symbol of Jones. I am Day Ramsay your host Doktor John Aloni, grandly personality best selling author is Michael Ocean, talkative oaks about all things: mental health, whether its relationships and boundaries, crazy relatives, a crazy looking at you and Morocco wherever it as you can, will help you with it here and of course, we will help you with your money.

Stopping your life as well. So it's always a good time with Dr John Open phones at eight hundred and eighty eight five hundred and twenty two eight hundred and eighty eight eight thousand two hundred and fifty five to Five Kelly's gonna start off this hour in Dallas Texas. I gaily our you during the day. I am better than I deserve. How can I help all our two part? now on how to pay out how to pay back our emergency fund. We A thousand dollars a month understood we had to use one hundred dollars recently of our emergency funds to pay for a car problem failures. Let me say to you, MR about Mars, this month to pay back I'm immediately or if we should do this I personally that the next few months to pay back fully for not giving a month opinion you're talking about Europe step. One one thousand dollar account yeah, ok, yeah, you gotta! Stop!

but paying on down until you rebuild that if he used it, For the same reason we wanted out there for the same reason you wanted it there to start your baby steps. You wanted there to continue your baby steps goodness you haven't had their when that little man on a dollar bill came up, Ruby, new, downright right, so that You want to stop everything, go back to baby step, one finish it and then go back to baby step to again get your get you a fresh start child you guys doing what do you think we ve paid off about eleven thousand dollars in the past few months, very good and what your household income about forty, one thousand mocha very good actual was at super frustrating? Or was it one of those that yeah, of course its frustrating, but was it come on. Now we got such good momentum or junior it was, while each other say, my gown

the early so depressed by expelling universally going asked whether we can just paid off this month and keep Goin cylinder the great attitude man good for you. That's awesome, that's perfect than that. That's the way you if you get his ideas on these principles that we talk about in the rhythm of your life, instead of being like white knuckles. Enforced and then what you're doing it you're just this is a rhythm wage, a prayer thanks thanks money. Thank you got the money. Was there like a guy? the morning when the money back and thank God that we get it one is an ex ante God. All here we go, you know I mean that's! That's like it's kind of a rhythm too that I have heard people when they call in and they got that thousands emergency fund, then the thing happens in it: they throw their hand though the cosmos is against them in a row. We don't know, that's the point right is for What good are you cayley or well

Julie is in Denver, high Julie. How are you Highgate thinking for taking my call sure? What's up, I had a question about being hit her for I have a cap for humanity, house cool and we are seeking count we're on babies. Get to it sounds like a sweet deal, but I'm not sure it's a great idea, but I wanted to see what you thought about it. Ok, your heart, different chapters have different terms that the union's for the process and so what? How does your trapped her work, a hundred percent sure were still in the early I'm interviewing process and we are being considered. I'm one If it's a like, if we got into the house, the payment would be about six hundred a month or two.

yeah sure they're not giving you a house very unclear there, giving your house that has a dead against it, correct a hundred and sixty thousand mortgage. Ok and what is the benefit of it being a habitat house that What do you mean? I'm sorry, you could go, buy a house for her restricted Eleanor mortgage without Habitat right. Yet so why habitat? What are they giving you opportunity its way feel fight, because that market in our area for a house decides would be year three hundred Ok, so it's half off it has not sure if you actually gain equity and ever have the chance to sell, yeah some of em don't and that's why you need to learn the terms. Ok and some of them. You you get the home but an if there's any there's all kind of wacky stuff on the default.

The things that the programmes are meant to be a blessing, but what their pushing the reason they build. Some of these, I guess weird terms in turn Into the payment planet into the mortgage and into the sale and so forth, is they ve had arisen vision problem. They ve had people get into the homes and fail. Yet and so like a lot of em? So that's how we ve gotten invite this album or not. I have money so when they get a free out, Seraph off algebra, whatever they end up going by six big screen at best by all night I claim of casual and end up losing their house in that kind of crap has happened too much with habitat. Habitat is a wonderful organization and they do not really really good work, but they're, just Rhonda people's behaviors have to change or even if you gave a free house, though screwed I write a letter, behaviors, don't change and so that in so what, there's not be enablers they're trying to be real helpers and other

spirit is good. I'm an admirer of habitat. We ve done a lot of work with them through financially diversity over the years we ve worked here and on the Nashville community very closely with them, but again they eat. You need to learn the nuances of the terms, and I mean to and definitions. I mean what are that the term, but what is the restrictions on the equity and the sale, and what is the pay back in you refinance later and not begin there and you could get. You could get a stock in some of the union, and again there well meaning, but they dont. But if things all gout! Well, it's not as me a blessing as it sounds like sometimes, depending on how they put the the process together does limit the sailor, they want some, the equity back, You do salad or if you refinance you, you know you gotta refinanced, through the portion of the equity that gave you so that they can move on to Russia, the houses and build them, and it's just its. It gets real complex.

Shall we dig in there and learn what you're getting into your very wise to ask a lot of questions and make sure that the Seeing is not so mixed, no more mixed blessing yeah, I didn't know I did I'm learning just now public thinks that they just give him a free house, that's right and they don't and there's a lot hardly ever stood. Are they ve, never How do we know it and we can get a free house interim flippant Sellen now, there's gonna be all kinds of caps and restrictions now should yeah, there's a purposes to give someone that doesn't have a home a home and end the benefit of home. worship it's not to make new, no not to be watched. They will take the NGO flip. The south was due habitat. Whew knows Vienna have a I'm having Russia which its general, but I've had people try to scan the system and I ve got up. They got up Protections? Absolutely yes, they're, not bad people, but you need to

You really know what you sign up for a smart to do that and so and then you can decide if it's right for your situation, this is the Ramsay sham. You ve got a lot on your plate, ajar your home, your marriage and your growing family, while you are enjoying the present, you can't help but think about your future and your finances as you explore your options. Consider christian healthcare ministries or c h, M for your health care,

their generous maternity programme, a budget friendly monthly programmes, have been a blessing to members welcoming children into their families. Visit C h, ministries, DOT, Org, slash budget to see, if its right for you that c h, ministries, DOT, Org, slash, budget Hocker drowned, Aloni Ramsay Personality is my co host today, open bones in Tripoli, eight to five five, two to five Ryanair Columbus Ohio. I run and welcome that Abraham Felicia David young picture taken Michael sure. What's up my wife and I just pay off her house. Last October, swarmed baby such Southern Europe yeah we're trying to figure out what to do with the extra money we're having for not having a mortgage? Wait a gallop should I problems through my wasted, This issue is currently buying into the practice that she works, that

Actually I want to do this now, picking out alone by her pay your partner each month, equity in practice and Their plan was to do this for four years and then at the end of the fourth year, she had purchased the russian practice from him, though, Currently in the last year that plan Finally, getting a business plan to pay off the rustle of practice. You know after the sheer, so my question is with that: without business. Long coming up in the next year, and we have all this extra money from not having house came it anymore. Should we, about their money and take out a smaller loan, or should we ya know, learn save for retirement or no less, how much is alone, how much is the buy out at the end of the end of the year, it's about four hundred, eighty thousand dollars that you're gonna need more. Then issues already paid in yes, who

So so serious practice or your seriously overpaying anyway. I want you to go re, look those numbers and just make sure that you're not overpaying for this dinner, yeah, I have a reputation for overpaying. Yeah have we ever a county that works in odd, buying out dental practices? tat the numbers and he said for our area for the size of the practice. This was a good price the actual said we're getting a deal sarka. That must be mammoth. Ok,. Ok, sure what your household income. combined right now with her paying her partner is about. When a thousand dollars, then actors have She owns the entire practice. She says, will probably be law three hundred

thousand dollars conservatively hooker show you. What I would like you to do is to save as much as you can possibly save almost like your own baby step to again I'll get real intensity, because I really don't want you to have this loan, but it sounds like you're going to, but let's make it a small as you can possibly make it any less pay it off as fast as you possibly can. Ok, we ve done a lot of work over the years with a lot of dentists and on trade. Your ship and also just in financial coaching, and the the amount of debt around being a dentist is its its mind blowing in general, and in the in the community that your wife works walks in every day, a million dollars, are half million dollars and that for the rest of your life is not on sure it's standard.

You can get sucked into that paradigm and I'm gonna challenge and not to challenge you to get this paid off like it was a credit card. Lucky were ashamed of this that you follow me, don't normalizing keep it like as a bad gum, Pat. Shall limit the size of this year by saving everything and get your hands on and then get in to attack mode and funny and take out little small homage again, and I get lonely out- and it sounds to me like you- can take that low now in twelve to eighteen months from the time you too, it's gonna, be a very short period of time. If you guys want go back and act like now, I'm a rich dentistry, something I did some research back and grad school on the mental health of doctors and. This means and nurses and one of the worst so groups was dentists and a half. I wonder I write of social high, we'll have to wonder if it's this crushing debt that you discover your own curie round.

Norman that community, more so than some of these other communities. The borrowed future podcast. What we did we interviewed agendas that had over me in dollars and still loans and the gauchos crime. Yeah cry: is you can't you can't clear teeth? You can clean, where you can, but it's just I mean, but it gets what you're gonna do not have a certain level of me. You gotta be Europe's specialization and the thing are you gotta from volume or something to get the income? but it sounds like she's gonna be making out of the three fifty around by remaining silent she's really make an junk among a quarter of an hour here are part, so Galaxy used that lets. You do everything we can to limit this and then, when many payments in the world and you're making threaten fifty now yonnondio greatly alarmed answer things, and it does change the way you

a business. It changes the way you view going to work. It changes when you own a practice or Yonah business. When you get the dad off of you, it is the borrower slave lender changes the way you stand he walked away. You carry yourself, does in Naples, Florida, high dust and welcome that I've room she shall. I gave you. Men. How can we help life, and I am pleased that the two days but on the way home, currently loved We currently have a deal. and when she saw our house to move closer to work with the same company. Yes, but you may be renting a vessel would point to do you find it until you get out of date. You step too. The lady had set up or down at us. How much closer can you move to work only can move lady two minutes away now

so you're, going to get two hours of your life times to parents for out four hours of parenting returned to you, rather than in the car. Every day Absolutely I'm doing this, I do it today. Yes, Eleven minutes commute and if there's no traffic, That would be illegal, but back then yes, I I you know, I don't know spend my life doing that lotta people do and normalized and some people redeem the time with audio books. other things in there's all kinds of ways. You can do it if you ever come. You can reach normal and lie large metro areas, but

it is a decision that you're making any automated intentionally and if you can change it and get more sections of your life back. I highly recommend you do not to mention you Kutcher your debt load. Back that mean you can find yourself with less stress and four hours of your life back man. That's it that's a big turnaround for your home, the other, the level of simply the Maoist sleep you're, getting a train sleep, the abyss, just have conversations with spouse building to be present with kids. All that's gonna learn the coroner and I think the operative conversational trap, but but yeah, but he just yeah. That's if you're in an area, Naples is an area where you don't have to do in one hour commute in order that just have a job and viable outlays live than and yeah. I always inquiry now for those of you listening out there. That is not to say you move up in housing or more expensive ass. Well, Then they really makes me indeed. Well, then you maybe can't make that move or save your money.

You needn't, move, lateral, move down and or become a renter for a tip period of time to get your fine answers under control. Don't use this as an excuse to go: do an increase in debt and increasing in house price purchase an objection d with personal finance being eighty percent behaviour. Twenty percent had knowledge. The behaviour aspect she avenue around to talk about this stuff is esben It's been helpful, very helpful, but that the power of the human mind to rationalize into to do something, stupid and figure out a way. twisted in our brain, where they sound smart. We will find what we are looking for and if I find out way the math works in my favor. I will champion that if I find the wagon,

this, my wife fault, not mine. I will champion it back. I find a way to hear David and you just don't tell me to sell the house and move and by double the price in town. Don't hurt him right. find a way to delight ourselves to make that happen, we ve heard. time, telling ourselves the truth, the scout drove to manage work to mouth Limbata. Thirty thousand, I pick up, causes all pick up. Those paid for the travelling. These got didn't, get good, guess Mckenna by didn't get good gas might get a buying.

You get rather let no trouble at the moment that to get them, I guess mileage. The paper sets a vegetable life, so we do need to visit the rooms.

John Lonely rooms, you personality is my tell those today AAA eighty five five to five Adrian is whether in long beach, I Adrian welcome that Abraham Felicia patriotism, like all other, not deserve. How can we help similar I started the financial peace, yeah, maybe someone which we help five dollars and a boy, but we want some advice, what we should do it all. Currently I look around Thirty, five thousand a year, my life leaks fifty two Ten thousand in debt, You can guarantee my circle. Is twenty four thousand:

maybe a golden! The child's twenty, thousand left anymore. the large- and I just don't know what to do here- I don't want to get rid of them. I just don't know what to do. Ok, well there rule of thumb that we use on cars is two things. If you come on, wanna keep em the only way you would want to keep them mathematically. If they total up to less than, ask your annual income, which these two barely do. The right around it and you can be done free, not counting your house without selling them in two years or less and that's questionable here so both of those things point to selling one or both of these cars and sound The one you're fleecing is the biggest mass of the two. So if we're gonna start, we start with that one, probably right here

a kind of child like we're conclusion. You'd already come to know a thing about you. Just I don't know You are completely that an all out a solid. I wanted to tell you. I just buy it out now well you after you have to buy it outright and sell it simultaneously. Here's how you do it! Ok, there's a couple of but you ve got to gather up to figure out what to do number one who who's the car fleets from whose the fleece with thirty or who dare to Toy Oda. I'm sure I am to have his opponent. Ok, We oughta art and show you're, gonna, call Toyota Motor Credit and say hires. My account number one is the early by out on the fleece. If when a pay it off today and you sent me the title programme so on Ets. Haven't pay off on your loan if you had alone, but that's not what it's called on the fleece? Ok now it should be.

at the end of your lease. There is a figure that you can buy the car for for the least, is over and You have your remaining pay much, if you add your remaining payments to that figure at the end of the lease. That's your toe exposure on their car and the early by? out, should be less then, that by a lit by couple thousand bucks anyway, a few thousand, so how much is left on the fleet so much before it's over twenty? She doesn't know how many since I got one more you left February next year, ok Oh, you have to shut pointed out. Includes the that you ve gotten. The early biota sounds like. Why looked up on my my account, this has twenty thousand left on the low? Ok, now, that's not the number lookin for you, gotta call them and you gotta get the early by out. Ok, because that number-

numbers, the number I'm talking about it's the total of all your payments remaining pleasure by out at the end of march. pay mocha it's about a large yeah, ok you got like five thousand bucks of those plus you gotta. Seventy thousand by out at the end, sounds like such round about right click. Ok, So anyway, let's pretend that when you call them it's twenty thousand for the early bile, that's probably not gonna, be that far off somewhere in that range. Ok, then you look up on Kelly. A book and find out what the car is worth private sale. Have you done that? Yet guess it's about twenty one thousand God? Ok, so you can sell it and pay them off and get out basically about even right. good, that's awesome and they would just gotta get you a thousand or fifteen hundred our car that you pay cash for around drive that for a little while, while you get yourself out of debt,

Now we're under the same thing with your car. If we can't get your move and get you out of debt either one of you got over time available. Yes, what do you do to make thirty five grand. Emma estimated at a construction company engage, and what are you gonna do for it rightly income. Also, gonna love studying Lydia decided to our washing I'll, have it. I had heard of it I believe that the office- and they told me, Is it really so ads from Tenaya Galileo, the man right, demanding w dad gum income? That's right! Yeah and you're gonna die. That's a ton! That's awesome! Yeah there you go and now we're gonna put you on a budget and you got- I'm goin out aid, you're, not gonna, vacation release. These debts, smallest two largest, run attack these debts and lack of vengeance, and I shall now we ve got like eighty thousand dollars on shore and ninety thousand dollars of debt laughed ass. We get really your car and if we do

Forty five a year for two years out of eighty seven, your debt furry in two years. Then I think that you know, I think, that's doable, but it's gonna require extreme focus and generation in no one picture eye off the ball, last Saturday and Sunday started early power wash and promotion until you start getting up and down again. I'll get the next two years or power washing ushered and then after that you're gonna hate power. Can you already realised the California water crisis for a single handedly causing rising? That's right, but there wasn't any unclean right everybody's going be clean, there's not going be any Mulder mildew. No, I love it well done. hang on animal would get also put you into Ramsay Plus, because you need to be in their going through financially Radiation was already now you just stop just started the just. I think out. Ok, if he's not already- and it putty minute- is my guess- we're gonna take care of it.

Eric is whether, since Cincinnati, just given everybody stuff Eric, what's up man thanks reject my caught by troops are going up. I need your permission on buying a vehicle no, you know who I am. I know you don't I'll, give you pinion budget? Only my permission, your grown person area area so argue my stance among four five and six, and I think I'm in the right place to purchase a vehicle, I don't want to buy a new one. I won by a toilet comment, I don't want to buy new, but I want to highlight two or three years old. I haven't so that's what I'm thinking about. doing until the cash to do it was. My god, I'm looking to spend about me, Are you married little over? Yes, what our Kharkoff Well, she is a business car through her work,

so she doesn't have a car in her name. The business gives her car correct, ok and what your household income about one fifteen. And you have emergency phone inflation, you're out of debt except her house correct. Yes, I'd like to get drunk I just want to make sure I wasn't like overstepping our do you know? How did that? I think how you did it was that what I have learned then have my household income in these lead depreciate value that you're gonna break up you're, paying cash. yeah and you have emergency fund implies an emergency taco but tacos you're great running my wife.

She likes, Batman emergency till emergency phone. While I cannot answer she's very much like yours until this trying to figure out, we would be giving in to the emerging of the emergency fund, Eric you're, a smart guy, and you clearly have worked. Give your wife to get an emergency fund get at a dead to others. The railway trust your instincts addressed the math man. You gotta do this stuff very well

very well, then tacos retribution rynch, not a couple. Women are empty family. This is the Ramsay shut

John Bologna Ramsay personality is my co host today, open phones AAA eight to five five, two to five cameras, weathers cams injection, Mississippi. I can power you, eight thirty, and can about now. Rule area, South Jackson Mississippi, but that's ok and I do appreciate, opting to be unknown the show and posts in the situation now. What small blossom network go in the right way. Ok, I'm gonna help. Yet they work my wife and I should see the big money person in my mother. She handles everything, I'm not not much on that, but but anyway, we her home place for years and have always wanted to have something over there, but to you, to go with me

little seven hundred square foot. Nineteen forty eight house from the county it over. There get a lot of work. To get a couple. they re model. Then they all back up and everything the course around. This rural area them best bill. They are, but I wanna be paid every week. stretching law was out of the way the way our house was paid out for used a lot to do it not approved for a certain amount, because we used their monies we did not have, use the whole. He lock him all, but also this applies to stand on its own, and so is sitting there, basically free and player. he lock is always there. We got a much luck. We got approved four hundred fifth know how my you got it. You are you I envy you were just wait. Just

through their misspent ninety thousand dollars on the seven hundred square foot house. Will we have built a flying start old age? And now you asked one thousand square feet to it now: How do you mind thousand dollars on seven hundred feet? when you, when you're starting from Square one, now wait now. We you had add yet because Seven hundred we had no utility room, we had none none of that manages to it. So we had to build onto it somewhat, whereby it wasn't just as little house and the land worth nowadays work for this problem You're gonna be about a hundred. Eighty thousand with the acreage Scott what's the acreage worth acreage bought sales, probably sixty. Ok,.

So you have a hundred and a hundred and eighty thousand dollar property that is paid for in your own. Ninety thousand extra on yours, and what is your first mortgage balance? First, more work: we didn't have a mortgage albert. I saw nothing at a mortgage except the only mortgage you have as its ninety thousand already lock. Yes Gaia again, and so its shipment about seven sitting at seven point: five percent: now everything were trying to with this whole house and all them sudden by different banks have talked her and credit unions mister the best players gonna, be able to do as a cash out on it about three point: seven: five hour, it is to do that, but it all toward the heat whenever little remaining balances there we'll pay their, let them make sure we got the subtle house holding its own day at three points,

Taiwan is a song tat. Your dad was. It have to be on our guard beyond your. I don't want it. I wanted I really don't want to know my primary what does it matter because billions, rights are somewhat higher on your personal home. on the he'll, get rid of the hay lock and get you on first mortgage on your personal residents What you show your household income is our household incomes, but one twenty. Ok, what I'm autism about ninety thousand dollars on five years, fixed rate, no closing calls on your home at the credit union. At two point: nine, no closing cost fixed rate fell. Years at two point: nine or less credit union won't do that. Go to different credit union. Go to your local bank Somebody'Ll. Do that deal because you got tons of equity in both properties, leave the little House stand of regular it doesnt matter which mortgage the houses on, because you're gonna pay it

for very short order anyway, if you're smart, but in fact you oughta be debt free in two years, I am conscious that you just pay it off in two years and the largest, I guess fixated on the central right. Well, don't make it does something. I wanted to be fixated on. Ninety thousand going away gotcha, That's true. We are forty five a year for two years now: Yoni Yum, but but do in a first mortgage. Why what we're trying to do on the sly if you want to get a lower interest rate during that two years on a five, lot note, like I just said, do it on you original residence, because you're gonna get a lower and lower rate than you're gonna. Get on a non owner occupied gazettes watch three: seven five does not occupied you're right, it's a secondary, prob and you can get your local credit union do that. The lesson here run numbers on this or the difference in seven and three would say two point: nine is four percent.

on ninety thousand away. We don't have ninety thousand. We have forty five after a year away. So the really only paying just a handful of dollars to keep the he lock in place. If you get your button gear and yet despite often to hear and so the actual nominal dollars that the interest rate is creating. The real dollar amount is not enough to buy a biscuit. Hardly in his sounds like the this. The need to get this Property Road. That is good I am debt free another When did it? It's not make anybody feel any better, and now it reaches beyond my ninety thousand dollars and we had everything freeing clear before did that and journalism at such up. We are discussing here. Is you refinancing this? You might save eighteen hundred dollars if you buy it often two year it's an eighteen hundred dollar problem were discussing and it's not worth the anxiety of feeling over it. Madame

So if you want, if you wanted to refinance another five year, fixed rate, three percent or under Oh closing cash. No closing costs must be fixed rate, no balloon for the amateur rousing on five years, no prepayment penalty with your credit union Del that deal you have lean on, but they'll do that deal, that's a good deal for them and they portfolio. that alone they hold it in their portfolio that longer work and that will If you eighteen hundred dollars over two years, approximately maybe closer to two thousand and that's worth a trip to the bankrupt, was probably worth doing. But it's not your problem right, you're either you, I think you use the right word excited on the infrastructure fixated on the wrong thing, be fixated kicking ninety Graham's, but get out of your life and next time you start a project like to begin with the end in mind, because you have way overdone the little house.

one way overdone! Morceau Dave! You mortgage your home, your mortgage to place for your family lives, for one seven hundred square foot over. overdone did you spend ninety grandmother run out? That's a thousand dollars was square foot here. Would you spell new? Go the golden sport, oh my god, and here you can. in southern Mississippi, four thousand hours of it you what by most of Southern Mississippi year to us now go a long way show yeah can that's. It might begin with the end in mind on projects should better budgets on them. They give you more region, returns, but you whatever measures major, certainly can be cleaned up and the fastest way to fix. This is to pay it off the fastest way possible.

Open follows a triple eight, eight to five five, two to five. You gonna jump in we'll talk about your life and your money. So me back up what what I have done, if I woke up in issues again, Mama's all home place over here more perplexed I make a hundred twenty thousand year. Our current residence has no mortgage or would it you save up and you pay cash for whatever you got it. And you could down the exact same video in two years as painless, often two years and the need to pay cash. You want now here's what will happen when you pay cash instead of alarm. You know spin a thousand dollars on said the Hunter Square for the weirdest thing. When you're spending your own money should a borrowed money, you're more careful with it could suddenly you feel like we got a hundred fifty to spend on this project right, yeah, stead of heavy Get this. We want to have a vision for this and willing to do it. You can see that vision.

When you write to check out the he locked let's not Romani sorrow money. When you write your check out a year savings that you pounded to put in every two years. You're like. I think we need a golden benchmarking. That's right! Let's just go with wood. The changes, the old man that puts this hour of the Ramsay show in the books guises Kelly assessing producer from the Ramsay. Shall did you know that ever sixteen million people listen to the Reims II show every week and a lot of those people listed on one of our six hundred plus radio stations across the country to find a station near today. Ramsay Dolokhov Slash shall, if you're looking for fun,

practical ways to save money in your everyday life. You need to check out the Rachel crucial podcast from money, expert, Madonna, Rachel crews, guises rates are created and I'm so excited to tell you about an ipod. Has a lot of you. Darling paychecks pay check their end ass. You don't even know where to begin that they have this need this want to get in control of their money, and is that you have come to the right spot. So neat emphasised during at a time of inspiration and practical advice. Not subscribe to. The rates of crucial podcast makes review it. Today there are more from the Ramsay network, including the Rachel Crucial wherever you listen, the pod gush hey, it's just producer of the Dave Ramsay Show.