large quantities of Williams, resolution broadcasting, armored car rental studios- gives the day Ramses work that is done, gauges and paid no more just taking the place of the Bmw status symbol. I am, they were actually your whole doktor John Bologna Ramsay personality is my coach today, you're on the ear functions. We talk about your life and your money, eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five that's eight hundred and eighty eight eight thousand two hundred and fifty five to Five Catherine is an Indianapolis high, Catherine, what

the diagram she shut her eyes, things taken. My call sure bookshop near where I had a. since you guys so my husband, I we do welcome their first child two weeks ago. You were really excited about it, so we're studying the plan. Adverse teachers were currently working through the baby facts on four five and six good, though we considered that that a five twenty nine plan, but leave off the top through there are many more equal fines, baby, the cow, we don't want it to do its bit somewhere free, in years and are no interest, but we also know that we want to lock it into just being able to be used for college or questionnaire. How do we decide between I play nine play and all the other options, but little, but about a more them. Then determine how much chicken should view forward your limited? Almost twenty nine to ten thousand dollars and that's not making a decision

you're not saying oh we're stuck. If I don't go to college of ten thousand dollars, not ok, you're! Ok, if you put four thousand dollars in there and then use- and you don't do anything else- then maybe You'Re- making a decision higher education is an absolute now in The five twenty nine is not actually and investment. It is actually how, the real investment is treated for tax purposes, so just like an IRA is not an investment. You put, you can put a bank account. You know you shot of other savings, Ganis Ivan Array, a money, get inside and our mutual fund inside of an irish show, you choose the type of investment that goes in their show. What you want is a five twenty, nine in good growth stock, mutual funds, but the We differences you can buy the mutual funds and the kids name or you can buy the mutual funds. Moment about twenty nine, the differences grow in the five point on one hundred percent tax free shopping,

Ten thousand dollars turns into forty thousand dollars that extra thirty that it made by the time the get gets to college about what it will do is not taxable so your saving on that scenario that one investment you're seven ten thousand dollars were the taxes by putting it in a five twenty nine. So I do the five twenty nine united, fully funded, but whatever you want to put in their I'd, get one started down was one of our smart rest approach. Click smart, vesture diagrams! You got calmed I'll, show you how to do it. But what doing is you are selecting a five twenty nine plan. With one of the states, their state plans that allows you to invest in mutual funds and you picked the mutual funds and they don't move unless you move them, that's the kind of five twenty nine looking for some of them automatically move the funds around as the kid gets older. Some of them, lock it in and never can be moved. You don't want any those you want basic

mutual fund investment wrapped in the code of five twenty nine for tax, growth does not make sense for you, I think, says here saying early with the five twenty nine M, getting equal funding any that focus, our man don't focused on any other yeah. I would not really is the star out not to stay now, if you, if you look up- and you got a hundred fifty thousand dollars- and there are some day hey, I don't really want, but more not in their until I get a track on the direction this kid's gonna go, I'm just no social money in the kids name for them to do other stuff. With that's cool old and utter uniform transfer minors act she may which all It means is, is that people who eighteen years old and not allowed to do contracts in America, so you can't open your phone you can open a bank account. You can open a checking account your mom and dad or somebody else, it's an adult has to open it in your name, and they are the custodian in you are in charge of it until their eighteen or twenty one, depending on your state.

sure that's Alfred back on markets were say: we're safer for our kids to go to college. There was no, have twenty lunch There was no, we essays shall we just open up for once and- and I was the custodian and they were doing cocaine, they would have had a hard time finding the money, even though, is technically theirs. I would steal it Ok, because I don't have the money tat come about dinosaur bad, so yeah that that's it and so then you get to do that. So job with your our audience? just joining us for the first time, are first on when you ve been on here with me, with a phd in higher adage, but many many years and I read this year has been the perfect storm as you know, it was to start with. We had a wake up call of the epic student. crisis, which was kind pointing out that some portions of horrider overcharging a wee bit right and

no kidding and then now with their station, gets home and are still trying to address the same amount in there just turn on Computer nobody's gonna can to computer classes lot cheaper. The year charging me our got a bit of a cow, She was going on and basically, what it's done, those it's kind of shaken up and made people or maybe a much I've Gaulish like, I would have onawandah trap this Monica kid model go to college has colleges. We know it might not be the same, and so I wouldn't you different from the savings patterns. I think because of this that the most common question I get is fear of locking up money for eighteen. Suddenly and the assumption that the governments not gonna change their mind over eighteen years than that. Will even still be there in eighteen years and, more importantly, we'll call as we know it will- it still exists- in the way that we come to know it and eighteen years right, and especially at its current inflation rate. It's gonna cost eight hundred fifty thousand dollars.

what will we even have enough, and so we all know that an eighty years called to the goal of different and so yeah. That's the most common question Agus Shylock this money up or not, and I think most people it's hard to have that money sitting MR checking account right and not spend it. Will you do need lock it up and you do need to put it in tax free growth the worst case scenario- is higher completely turned on its head or your kids says, and you say I'm this kids like going to college and you pull the money. Can be taxed just as those in a regular feature phone right now and we are a penalty on it. But you're not gonna, lose all your money right. It's not like. If you dont go, you know you can't evaporates in is: isn't it corrected that money can be used for any sort of educational endeavour right so technically, so they wanna go to TAT school arbitration mechanic where I work, if you wanna actually can be used for private school right for a kid in hospital.

turning to now and your spout, siblings canoes maverick any family member canoes mom could go back a long, usually Euro five Toinon room, so it can be theirs. It's not gonna get stuck be ok and you do need let it grow tax free and you do need to park it in such a way that keep your own grandma hands off of it, because we all have these temptations right. Good question: open phones, a triple eight, eight to five five, two to five. You jump in Deva, her My kids don't get a vote. Is this true at any age, we're looking at a moving our family into a different continent in Africa for volunteer and teenagers are not on board. How do we approach this issue? I want to come back to that, went after the break because we're about ten seconds out, that's a big one, now. This is that I ran

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Doktor John Bologna Ryan. Three personality is my co host today, cavern Instagram. And says I have heard you say before: kids don't get about. Is this true at any age, moving our family to a different continent, a small village in half after a year of volunteer and mission work and our teenagers are not on board. How do we approach this? Well, First, I to answer the question. A low more carefully. Are our portionless shut up? Kids, don't get a vote. What that means is that parents are in charge right it. It doesn't mean that I dont admit that my children have desires and feelings about things. In some cases that are valid, but- and I take those into consideration- but I make decision that is best for the overall family and for that child I mean

too many people were their children are in charge of their house and the major running the freaking and silent, and so that's what that the kids don't get a vote comes from. It doesn't mean we don't take there. Feelings or their desires or their best interest into consideration and any major decision, we gotta talk to him. Rhine they're worth the conversation I before we get to the answer to extrapolate on what she said continue that understand that when you put your kids in charge when they get to make decisions that taxes them destroys a child, they don't the wisdom or the strength to carry your family right, that's harmful to a kid, and I always it not helpful its harmful to get to expect them to be the kid are we going to church what build ever going to where we eating where we going? What neighbourhood that a kid can't? doesn't really used to come out where we will back after we finally got low, but my could go out to eat. Which I worry, I'm gonna go to eat and it would proceed. You know that four of them

my wife and my three kids would argue for the next few minutes until I would just decide because it you know, it just it didn't work right that gun later on in the asylum and shot shown ago. Ok, man you're about to decide this cause, I'm part of them in the back seat. Those people of acceding gave range right, so we're going just a shot and that's the joke, but the that the auditors. Is that I think you and I would take these teenagers- are feelings, consideration. It doesn't mean I do it right, but and they don't get a vote per se and there never. You can't exe the teenager to understand what living in Africa for years gonna be. There is going to do to their hearts and my You can understand it, because I've never done that's right in so no no, teenagers gonna, be on board with hay organism everything you know go to another country away from your friends, your family, your community, your church, all that we're gonna start over completely. For a year your instagram go, get totally skirt, is cavities, gonna, be master bright, so go with a different mindset, but no they don't. If you

You and your wife think that's the best interest for your family. For I kicking and screaming. I would, I would think there is something wrong with my teenager: if they're not kicking and screaming, ok because they don't know any different right. They don't know it unless they just used. you ve train them, never robust sense of adventure right now, if you're living out some fantasy- and this is again The best interest of your kids were organism. This allows we're gonna moved to in to sea of pursue my song career Robin then one better apartments and can have any money and the kids it s about idea right there Man more Dalton. You are entirely right, my right, so I wouldn't expecting

to be fully endorse it because they wouldn't understand they don't have the wisdom to look down the road. They don't have the wisdom to understand it. My innate discomfort is not gonna pay off in massive ways down the road. Now I agree I'm trying to think about when our kids were there. If we had wanted to do something like that, what would have happened they would have objected absolutely no question about it, but I also would like to thank. We never did it. I really don't have a test case, but I would like to think that some other times that I had challenge them on something you know you don't want this, but we did because I thought it was a good idea. It worked out Then you know maybe automation, deposits. There you go in earlier before I get to this decision, so if only deposit you may

if all you does make withdrawals up to this point and dad's constantly going on adventure and its costly, putting error by imperil and The kids are totally emotional up evil for Dad Jason is weird adventure thing he's got then yeah. You know I would give them that the other I give their voice much more credence, buddy all you ve ever done is make sure that their okay and other times you stretch them, and it turned out good to there fit and they smiled, but they didn't think when you went on a vacation is going to work out an This is another one than you Firstly, the right to force there. Those relational deposits- and my hope would be that this. One of those things are, someone was driving home from work and they thought I hate. My job is done for me to do some drastic. My hope is when you're going to make a transition like this Lisbon, environmental and well thought out in your family there before for a week or two you have shown,

videos and pictures, and you ve met families from there and you have the it's a part of the fabric of your life right. Exactly what the best thing we did with our teams will send them on missions trim when there were a week long right in our whatever and or they went in ocean- well, chervil, the trips with them, because they get out of the prosperity bubble right and she she real world poverty, history and she people that are happy in spite of living in our more box and shut, redefines happiness arrangement based on stuff or electronics, screen time it's reset and and bust. The bubble, as I was very valuable in that regard, this would be a bigger version of that right is kids, could come home changed transformed forever right in. That's where I say again, a teenager can only feel in right now there are not fully developed, that's what we don't give them car keys. That's why we don't give them the ability to vote or to fill in the blank right, because we have

all decided they don't have the majority to handle some of them because they live in the right now in de what is gonna, keep me comfortable and keep me engaged in my community right now, and they wouldn't have the wisdom to see beyond that. But I love what you said. Man this gotta be some relational deposits along the way. So, if you're gonna make life transition as it, I dont feel guilty about forcing it. If I'm not being your response and absolutely not, and if I have made deposit such if, after that, their throwing his she faith and the others have to do it, and I would expect him to Turkey, but I mean understand that that's partly equation, but I'm ok, I'm not- You gonna run my child's life because they actually gonna say you ve ruined. My life is actually a phrase. They why hate you you're, kill me you're, ruining everything I loved that boy. I all the stuff micrograms gonna go dormant. That's right! Gonna lose all my followers. Yes, all the super tragic stuff right now. That's all before that happens, you're gonna do ability to do reality show lighters going down the tubes, and so on

that's awful. I hated that that happened Becker: isn't SALT Lake City High, Rebecca, welcome driver amnesia, Heidi John thanks for taking my call this afternoon Truage up, so My husband- and I just got started on your head process- were on baby steps to end before we were in this to you. We bought a car on a leaf, so we're trying to You want to pay it off, but I Sure if there's any penalties are fees associated paying off early. I've talked to me for a nice but there are any feeder penalties. There aren't. I better value. Will save money for doing Nissan least can be paid off early its paying a regular Carlo off early. You save the interest for the years You don't have it

and in a research not technically interest, although that they obviously charge at a cost of funds is what built into it. That equates in most cases about fourteen percent. So I'm not a really good day knowledge. You found out You call me get the early by out you're from Nissan. Did they give them to you? Yes, they did ok. What is that it twenty three thousand eight hundred and eighteen dollars in twenty two recent, ok and what is your lease payment early feminist hundred and thirty nine dollars and sixty nine cent per month and how many months left on the fleece at twenty four locations multiply three thirty nine times twenty four lush, what you were under contract boy you contract out, look at it what you can buy the car for it, one, the fleece you will find. That is five.

dollars. Less are more than twenty three thousand it's gonna be about twenty six. The eight thousand dollars, so gas and say when you do the math, by paying early you and you can only do it in one website. They won't take extra payments, but my pain overly rushed like three to five thousand dollars. That's my guess! This is

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Well, we all know the budgeting is key to your future goals and a lot of you know that have been following our Ramsay stuff for several years that we teach grandma's old envelope system. For some of your expenditures? You set aside money for Freezing of an ample officers groceries on our eating out, you have an envelope. This is eating out on it and you have don't spend, within ASEAN that envelope and that will get you going. The envelope system worked beautifully. years ago we created a novel of system, started selling it and Rachel crews. In classic racial crews style decided that it needed to be upgraded for her name, and so I would give her hard time about this. Multiple, and she's a good natured about it. So He created several years ago and upscale wallet, a very nice Rachel crews wallet

and on the place we, all them from put cheap zippers on and the zipper Skype breaking and we would see it on Instagram Mazeppa broke. And then they would send it in here and people were nice about it. But wait to me I mean, if not more, broken, separate right, I'm just saying so: oh my god and I knew pay good money. I mean this wasn't a cheap item. It was forty dollars, resentment of stupid, zipper broke and man. I got to the point that I'm gettin as the owner of the organization with broke his name on it. I'm not happy with this, and so we don't. do this kind of stuff around here. So we end up working with them. and they would not fix it. So we basically refunded everybody and further stupid things on a dumpster answer that then they brought it about eighteen months ago. They should. We want to revive the Rachel wastewater shadow, the one with the broken zipper you wanted again. Are you? What are you people crazy? So we discussions in our product teams and they found

a way to source the things in India, where the people, actually making the- and these are full leather wallets nail, the retrograde wallet real leather such got, the smell to it and the people? making them or someone. That's come out of a difficult situation off the street or out of traffic you're out of poverty or something and actually in each of the new retro crews wall, which has the envelope system built into it. The name and and picture signed, the person who made it that's cool and so you're you're doing good. When you buy it, and then I can tell you this says the best supper in the entire world. There is not. There is not a wallet, not a purse anywhere in the entire world and as a better separate because maybe something else brake on this dumping, but it's not gonna, be the zipper. So we know it, you don't since a paying you go there when Euro stupid business right so anyway, this thing is fabulous. Now they re done

and it's even got all a little leash on it. So don't get lost right, though and they call it a wristlets arrangement reality, but it looks to me like a wallet lay such what I'm colony and such a bad joke, but you know love it when he hears a thing, if you're a guy, you are listening to this in your thinking. I still christmases come and listen. What are we gonna write your courage van in your family? You want to buy this even if no girl, they don't know rachel- is when I damn announce it there and they showed it the collective for women and men of women. Eleven thousand people on our team and staff meeting there was a gasp was a and I thought of all. I should probably one of those this thing's gonna sell it oh I've done it listening to show? I may just get one for Christmas and she won't even know it's coming the G8. It's the real deal. You know each other. works our eye. So there you go Gerda Ramsay dot com. We did not get made getting there

shipments from anywhere in the world are announced difficult. But if you have an art, spluttering screwed up, there's a little pandemic thing going on, so we ve gotten a bunch here but we're not gonna have enough to make it our way through Christmas. So if you want one the new workers, while they Ramsay dot com, hit the store or cholera, the concierge before their out they ve got the job classic brown leather look, and I think the other one is black. If I remember right, and so they are, I think they're like sixty some dollars or whatever. But really I mean, if you compare this apparently to other women's wallets that are a hundred and fifty or somethin I would not have happened, my money from my pocket folded up about what do I know about this stuff, I'm just a redneck but but I do know zipper Albrecht. They will not alright I'll give you my personal guarantee. Young Britain is where those Britney's in Manchester New Hampshire, high Brittany. How are you I get her you links with Michael sure. What's up,

I have watched both you and also to use Youtube Channel out there. my husband. I just want a bunch of fallen month old, baby, and where budgetary during all the baby's death we are having a hard time, I just being a couple aside from like parenting in money laundering How you recommend, like not separating gluteal, could do. Really no separation by just kind of roaming I guess so. He says it's your first kid yet excellent, so high I will give you a story in all I'll. Tell you what I recommend you do members it I going grad school and I've been married for a year or two I was terrible new husband, I didn't know what I was doing and I was like It him and he had been married for awhile, and he had three or four kids, and I said I No, how that's humanly possible

and he gave me a line that has stuck with me for fifteen sixteen years now. He said Remember when you're a single and it was kind of awesome. I said yes, said now you're married, it's a different kind, awesome and then he said I ve got four kids I don't sleep- I don't have much money on my account, but its awesome. It's a different kind, awesome enough. raise is cheesy lame, as it is a different kind. Awesome stuck with me, it's so here's what I live. I noticed we try to do. Is they try to drag? their dating life through their first couple years, a marriage. They have a kid witches, super disruptive right. In all the good ways in bad ways in your seven months by the way. If you're, not feeling like you will know, sleep again! You are now everything. Does it make sense right now? I want you to know your exactly were exposed to me. You act. The stranger sentences together, I'm impressed super whatever major taking keep taking, because our working,

they really good paper. The dots are often so they try to drag their marriage before kid into their new or in what. wants you to do. I heard this this now. given to the folks you're worse, coming back from any sort of marital differ these in a major changes. Major moves in here here it is, they could never take all the dust. Glass in metal and steal that way the twin towers in collected all back and rebuild those things after they fell. It's different now. Right in this is absurd, poor thing not at not coming after. You know and affairs had been like that, but you're they have to debate everything in rebuild something stronger and beautiful and with some, meant and with meaning its You guys have to do is be intentional about building a new thing in its article great platform. You already love each other. You are committed to each other. She will have to start from scratch, but you if you re envision what this is gonna look like, and it's gonna take more intention out any more

we have to put some stuff on the calendar. Is that used to come naturally to us? we used to be able to dispel, run out and go, have fun and run to talk about it. Now, if the plan how could run for every other Saturday and filled the blank right but I wanted you got no idea, please something here. Baby was Gondwana, you gotta practice. How do you want? how'd you get over the anxiety of leaving your baby somebody else you got right here you got and we're in the middle of a pandemic, and you gotta, seven months cut yourself some slack. This is a weird want you the weird moment hips in history, to have a baby right. Congratulations, but you got pregnant just so. You know the way. delegate anything in my life, including peep, thinks you're in the business, including things like a baby sugar is I do delegate to someone particularly the care of my new baby, if its especially my first one, because I'm scared about this- and I am sure about this- is I delegate when I can trust someone's competence and

our integrity, and so I'm not leaving a brand new baby. When I leave for the first time with a thirteen year old, or someone. You found out an app somebody. They Uganda, Craigslist. Ok, I think, there's, like my mom won't. You know we can trust, bury you can trust her competency in her integrity because you're alive dont be yourself up over anxiety, its normal. right. It's the answer and here's a thank you not to go out for five days. The first time you gotta go out for an hour right. There you go was everything's, fine and good, and then, when you come back Mothers gonna be happy maybe she'll be happy and you're gonna wanna go out for another hour. So just take a look. Rome was somebody you trust a little bit longer on, and you know

by the time our youngest came along. The eldest was watching them. We were any get out when I hear that re, just just talk, yellow or God you now you get a little less anxious as regards right. We found out there not as breakable as repeal like they are to their hard break. They really are harder for this. Is that every measure? for which of you desiring to build a tower, does not shut down first and count the cost whether he has enough to complete it. Jesus words and look fourteen twenty, eight!

scripture the day. Twenty Robin said: setting goals is the first to turning the invisible into the visible, very true Abby is with us and Flint Michigan high Ebby welcomed that over him she thinking taken my all my honour. How can we help so I, I am wondering which babies stuff I'm on, and I am wondering whether Omby amby baby step to forward, though a little bit about and I M in college right Now- and I made my first- you're community college, and I have enough saved for my second year plus a couple of thousand for your hand I hold on. We should thank you, so Don't think that I want to get the entire for your degree. I think that I'm just wanting to get my associates degree and then going to the military, but I

you're, not sure whether I should start investing or if I should keep piling up the cash in case. I do decide to go to university. You should keep Polly application case you decide to go to university, want you made the decision you can If you decide not to go, you have a pile of cash, ok it's not there's no downside of that strategy. The baby- you really are four you're in the middle of your education process and the baby to really for after you get out of education when you, graduating you work in a job, then you work through the process, ass, a building your you phone getting out of debt and starting to bill wealth in your retirement and pay off your house, but you right now. You have you have really one goal finish your education. If that's it, year or a four year That's your only golden leg, with all my extra money, just you

What is happening account, there's nothing wrong with having a pile of cash. When you are ready to make a decision, it helps you to make the decision. If you're broke you make a different decision than if you're not broke not going the military kind of sort of not wanting to cause. You need the money to eat, or you the military to serve your country very what thing, because you have a complete choice, thirty thousand dollars lane. In your account, John, What would your cultural hundred percent there's no downside? Your goal is to get out of whatever education ever debt free and then you can make other decisions later. The challenge you're gonna have is you're bored and you're smart. A community college first semester boring you and say you're, trying to figure other things to be doing and just be at peace with where your right now, not your class, learn a lot of you get an internship. If you get a job in the field where you wanna be learning, go for it but fall the plan

flow and enjoy your time you can grow. Jerry Life's, not change in a drastic way or fewer for you to green graduate I've changes so enjoy where Europe ok, that's it. You're doing right, you can work your way way way out of the game. Happy now: originally main reason. Your way ahead. Not only are you publishing these girls with cash in your building up some cash, that's impressive! But what most impressive is most people just do not do life with any sense of intention, our and you're just being very intentional- and that's really weird for peace. Motor peopled under most people, just kind of wander along and then wonder whether broke wander along and wonder why they got a degree lefthanded puppetry that useless, wonder along and they got what I got this degree and you know a gothic poetry How do you know that figure out why I can't get a job, because there are no little woods fairies, hiring, that's the problem, and so my god, you know

it's just the kind of stuff writes that actually did happen. but does it agree, the matter, a guy who got a minor and gothic poetry, so it did happen higher as an industry. Listen to me, you're doing it to yourself! Stop! That's all! just stop. If you don't offer that degree, we won't make fun of you, I'm trying to help you from the inside here. Man stop. You do yourself as an industry you have. You are not doing that stupid stuff. You are being very smart, very intentional. I mean people what kind of life happens to them until there are thirty, five or forty, and then they decide they have to be intentional. Happened to life. and I ll show you are. You are way ahead of the game and buy them. You have more. The options on the table, then, are more options that you can choose than the ones you put on the table so the options will continue to unfold for you and you will continue to make great calls you are a sharp young lady,

these in Wichita Kansas, hey Heidi. How are you I'm? thank you for taking my car sure. What's up, I'm on it, so I ll try and get this out, but I'm here the situation, my husband denying where fifty two and forty seven and both of us have basically been self employed most of our lives. He is a freelance artist I'm a grammar He has actually on, as they are now taking a job in Philadelphia, but is an art based government gum. you're, trying to make sure that we are making the right decision and making love it. That's what we, committing to over their testing it or he took the jobs in Europe to make the decision now we decided he could take the job, We haven't told the house style and in Kansas

to make sure that it was a good thing? we thought out from of those things of the job. I was sure of it right. Well, you know things self employed. He has that he has done and you know production type job. Ok, what how can we best help you yeah. But you know ambiguous that's more than seven. We have no children but had Actually, I'm finished baby said three, just as the Pandemic kit, EVA going there. You go it has been important

yeah, just troubling, you know. Moving from you know our house, we only all about ninety thousand on it. So what did he used to make as a freelancer sculpture, nonchalant money? much money now get money left, here? I must go: centres where one hundred and eighteen for sixty one ok now is for both of us now about what did he and man you now. I think that how about that major than the business taller after expenses, more. Seventy seven before nine he made made. Seventy thousand origin sculptures net profit. I think that one thousand- that's ok, make forty five I've told you thought him. A thousand organ sculpture.

And how much I give them. I know how much is that you're gonna get your number strikers, it's gonna matter. I want to watch the government paying him hundred and eight for sixty one both here and there are no block two hundred and fifteen national. Suffice it to say more than doubled his income yeah exit, you also doing what's higher and new Costa revealing different, wouldn't show forth and then the next question is: do you not want to live there because you really don't show like you? Won't leave. Can anatomy I have just one year old one that level. perhaps from my lad, a yes or a no, the only answer I would rather figure of them that I am open to the move the benefits to get his name is getting to potentially change careers.

Growing as what I've done for twenty five years, and it is very hard on the lookout showed. What am I tell you? There's nothing is forever and it doesn't have to be for a right if you go to Philadelphia and two years from It's, not an adventure. It's a nightmare, go home, you're, both self employed and smart and good. You figured up, go home, go start again and you'll be fine down August. I think you're making this to permanent like this is a death sentence. Rwanda J only can get out. Aren't you gonna miss that niece? What you told me you can fly back over there. You have more money, so Byron ticket, but he's are the jobs at this point to sail been going. I think I think your second guess in after you ve already done your decision

puts us our that I M showing the books thanks to drink childs producer carried annual social producer phone spring. I am diagrams year ocean, we'll be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace and that's the one with the prince of peace crises. This is James Giles producer of the daydreams on your smart speaker. You can add our steel by saying Alexa open the Ramsay network. Still from there, you can listen to all our says ass day, money. Questions like Adeline Vest my money. What is the debts noble, find out more favouring slash marks.

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