From the headquarters of Ramsay Solutions Broadcasting, but all our car rental studios debts that gave Ramsay work that is done casual gaming and taking the place of the Bmw status symbol of choice. I'm diagrams you, your host, thank you for joining us, open phones, AAA eight to five five, two to five Chris Ramsay personality podcast superstar,

and number one best selling author is my co host today here on the air. I like that POD Castro, proclaiming that David scandal ring true, yellow ring to the doubts that help shouted. Let's keep it. You make me feel good day, that's good! Well, you should hear me how good Jennifer, Stockton, California, how are you Jennifer very good? Thank you so much for taking my call sure. What's up I have war. I didn't know that I had a couple retirements, I'm from different all that I had worked with over the years we didn't have like. I didn't contribute to them. I didn't literally anything about them. I've done everything awkward with in my life has literally gotten my age before my g d, I've wearily and everything I'm currently in the middle of going to be an switching jobs and I'm wanting to know if I should take those and close them

and put them towards the debt, but I have no. You should write to an IRA. If you can take them, you're allowed to take them in all cases,. From a german plants, allow you to take up some, don't if you're an hour, if you're in action plan. They may not let you roll it or cash, it ain't either one but their allowing you to carry out a huge chunk. Their return there. If you just raw lit. From there to an IRA get I smart, vesture proto help you do that if you dont have somebody to help you click smart, vesture, diagrams, dot com, these guys and girls in the investment worldwide we're not in that world. But these are the people. We send your two if you need help with something like this, that have the heart of a teacher. If you don't do that, Chris she's gonna, get it with a lot of taxes. You really are. I mean it is going to be almost closed around forty percent, and so there

reason for that Jennifer role it over his neighbors tellin you but tell us how much debt do you have. I have a total of fifty two thousand in that. Ok, how much of that is a vehicle none! I live to run my car into the ground for the last ten years to sixty two thousand, so that there are fifty two thousand. Is only consumer urge. Fifty two thousand is for the house. I took all my dad's consolidate, am I had owned. My house outrage at twenty seven announced three. And I borrowed against the house in order to just all into one one spot, you only o currently on your home cracked, the fifty two thousand. Ok, then, your income is one

My income is going from twenty six thousand to thirty three thousand occur in the next couple months. Show role the smaller to an IRA. Do not touch, do not borrow money at forty percent interest. Thirty five percent interest, which is what the taxes and penalties will bring in order to pay down that. Instead, let's just focus on making sure you have an emergency fund in place of three to six months of expenses at your first savings goal, and then you would start saving for retirement and then you would start paying down on the house now. If you go at that point and data to you, I hear about that those consolidations. You know it's one of those them if you own home at age, twenty seven, my goodness don't secure, unsecured dead with your largest monetary asset, your home, don't do that. You want to Consort Asia to light but light issued on. But if you're out there right now and your ear dear your hearing

but do fuzzy math, where we can save you. Three hundred the modern really not their extending the period of indebtedness that you're gonna have the debt with a consolidation leave these loans. Individual go debt, snowball, smallest, the biggest an attack. It don't fall for the lie so Jennifer, thus answer. In your occasion, Chris was right for the rest of you. I thought out, don't fall for this because personal finances, eighty percent behaviour solely twenty percent had knowledge, and if you hear ears which interesting the Bible says out of the abundance of the heart, the mouth speaks. So when someone talks about consolidating their dead and gone and putting on the house removing the dead over something else, they say I paid off my credit cards with this loan. Instead of saying I moved it, that's exactly right which cause you didn't even pay it off. You moved it, but that tells you that you

feel like you ve gotten some relief from the stress of the debt, and I don't really want you to have relief from the stress of the dead until you get rid of it. And so, if you got from credit card dad, you got a car alone. You got some other stuff work your way through a debt snowball and get that cleared up. Don't move it around, because you will always find that p is under one of those shells. It's still there. The shell game, you're gonna, find it it's gonna. It's not going away until you pay it, and so the only way that gets paid as you pay it. That's a big argued through your back an old days when I was banking, you could put people on a clock. They come in through the consolidation, your later guess. What do it again coming back to do it again, because I never trade, the they trade, the symptom bachelor debt? The problem was the overspending. That's right in the problem was the disorganisation. The problem was no budget. The problem was no vision and no plan, and until you

Danny fix the problem. You are going to continue to run up debt down to just go shop somewhere else. A new moving it around and stop that again, that's not picking on show for her deals already done right, so shame on you drove her body. Just brings up the subject of debt consolidation. The answer to your question is, in your case is role your retirement into an IRA, a direct transfer rollover. It's called direct As for Rome, over with a smart, Mr Pro Stan is weathers engaged in Alabama high stand. Welcome that show a great Dave I'm doing God, how can we help? Sir I'm sixty to my wife is sixty four one march all around and carbon. The over Monday that we had a while ago, put it all of those tabled. I I know I should we know now. I shall do that, but that's what I do you live took. It took the big

a couple of times. I dont want take a big head again Vienna, my age, go in there. Our great growing? I do I I right now my forward hey cylinders. They will you. I got a barbarian then suddenly stay with you, and I above seventy savings account the cylinder neither one day the one doing anything another? How many times have you done this only the money on the market when it was down, and you were scared to many disabled, any time to say. Do that's that's my PA part. You know, and I'm conservative, my wife is a hundred percent more conservative outside conserve. They wouldn't have done what I say. What can we ensure that so many

we're borders nor sphere of Guys- and I told you when you come back from the brink, we'll talk you to find out what's going on with, you will go from there this that I Ramses during these three times. The best advice I can give you is control the controllable. Let's start, looking at major expenses, like your monthly rent, are your house payment. Folks, mortgage interest rates are so low

Now is the time to invest in your future. In just ten minutes, my friends are Churchill. Mortgage can share ways to save you serious case through a smarter mortgage plan to speak to a specialist call triple eight loan, two hundred or gotTa Churchill mortgage dot com. This is a paid advertisement, animal s idea, one five: nine one: animal s: consumer access, dot, org, equalising lender seventeen, forty nine Mallory Lane Sweet one hundred brilliant Tennessee, three, seven zero to seven. Resolving Michael vote today here on the air whimsy personality Stan engaged in Alabama standard pulled his money out of the stock market when it dropped several different times. He did again this again back and covert restrain them

sitting in stable value only he said in a hundred and seventy thousand in a bank account that's how far we got in the discussion First summary what you told me so far, Sir: that's pretty how, in your ear, early sixties, if I recall sixty to my wife and sixty four she's more conservative than you. Ok here the issue la more conservative and I lost my job in March. Also when I lost my young marge, they had a four hour servants package it is sheer option. There were over next two years the gay hundred dollars a week over the next two years, It my money to date- and I keep pressing thousand dollars a year? And I for one k, plans Ricky my internet forty, two years ago,

internet and at one man I can't go on go on get another job losses. Ok, ok! So why mass only when the last few weeks ago, we went to some smart investors and got I'll talk to him the largest people you'd me, but I'm every signals from giving people, I thought it was. I one of the permitted like seventy percent bonds and thirty percent of mutual funds the other one want to pull me, but like and twenty four terrible military, on twenty and mutual funds. I've heard you talking negative about more than I ever knew TAT about variable in Ireland is completely at odds with to go from there. I'm confused I'll put you all held when we're done, and I the name of both of those short reproachful, weaken investigate what happened advice. That's out of kilter.

On and on. Well we'll work on that, sure you should invest in the stock market? It's what I would but I don't think you should, because you shock at it. You came over money out at exactly the wrong time regularly and every time you do it, you know it's a damn thing to do and you keep doing so. I don't think I am. You back in there again, man brought in all. Sometimes I wish I could stay in, but I just got things about you all. You you're You are bounded determined to do this again, so get real. How much debt do you have right now? I'm gonna, be there were no matter. What does good mean? Are you deaf free? yes, I know miles, don't have no credit card. Merci, that's great As we all know

we know that we are today unless we got to grow this money, though buddy ok, Now you haven't buried in the back yard and ajar. Although you actually do with the well, but you will have to grow it now. Unless, you down and gets didn't. You can grow some interest out the ground. We ve got it, first, this money we have to, let me say, buddy, I think you need to buy like up Ronald for your over sixty. You can start Poland from his money out. You got two hundred. Seventy I'd probably go by a original proper. You're too, and manage these grants, often now so little harder to sell everytime you freak out, because I'm I'm scared to put you back and mutual funds. I note that Eurostat. He wait, there's no there's no chance. He is going to pull back out and who does what words talking about of pulling out of the market, you're missing out on hold on, as I was gonna pick up on those two smart retribution. When you pull out, you missed opportunity for the rebound, and that's

you ve gotta, be able to look at this and be able to stomach and understand what it is you're dealing with, which is why we talk about talking with a smart, Bristol Bro. You can talk about chickens earns but understand what you are invested in. You know the Variable annuity has a feature to it that allows protection a principle and solve the market turns down. You know loser principle, so that may be what that's more. Mr Pro, in that case was talking about bonds. I have no idea how you got there, but has a sucks The thing is, if you, if you keep jumping off in the middle of a roller coaster, rod and every time you do you break boughs, and you again anyway. I don't Can you bill rollercoaster again, just cause you get. You can crazy when the weather rod happens when you jump out them.

Well, it's just you know and that's hard to four people. Do you ever continue to do that time and time? An error by just about hasn't a story. They didn't want right now. I didn't, but I mean just about most people do and now that and not cause, I'm smarter. I just did enough other done things into that one you don't get hurt or if you know we were too, we were yelling at you guys during March, while we were trying to be kind. My word yelling, you remember, we were being very direct and very blunt. Do not take your money out of the marketplace doubts in February and March when it dipped book cod. Start Margaret did because a covert, then they perceived idea the companies will release profits, which of course, many of them did, and but the market is back. If you had just waited for ninety days, you would have what you would have expansion upturn and if you buy at the height everything's going good and you shall wanted slow, you of course, you're gonna lose money in all. You have to write it.

Those back up and its that's up it's hard to do emotionally, but the only thing that makes you do, emotionally. If you believe that it's gonna come back up right, if you didn't think it was gonna, come back up, you know there's tones of historical data that indicates the fluctuations in the market are the only thing you can count on up and down up and up now. So when it goes down in just about every night, you just bank on it, literally that it's gonna come back can't and what you have to stop doing is listening to the talk and heads on tv. Lord, I mean that they will have you swinging on Peppino, like it's a milkshake. Yes, you can

That's right, you got it, you gotta be clear and say: ok, I gotta sift through the crazy to find out the facts and eight day the best ratings in television and radio. The best ratings are when we can make. We and broadcast can make you afraid. So, a thunderstorm, a tornado, a hurricane, a stock market crash a pandemic. If we can make you afraid you get glued to the tv because fear activates same party or brain that pornography activates in its addictive and I caught fear porn, and so these networks have engaged for the last six months and fear porn and people have gotten to where there are just some of you have lost your dad gum minds with fear. You were not used to be nice. People and you become mean hateful. Are your curled up in a corner? Your house suckin your thumb in your perfectly healthy

you ve become addicted to fear record should keep that stupid television on I'd, never thought about it. That way, that fear can be that level of addictive. You would think could be the opposite. You think about it. If you like, more to a flame right, you're drawn to it, you know and ate it it's activating is it's almost out of your control has an addictive principle to it, and so I asked porn is is worse right now in America than it has been in. The history of this nation is never been like. This is its peddled and it in it. The meanest tell you guys, know these guys and they're gonna for ratings ratings, and so when the weather channel can put covert nineteen deaths on there and you can click on it in the tool bar of the navigation of the site when you're looking at temperature and storms and whatever you can, click on covered nineteen death for your state overnight.

Cases for your county wow, yielding to put that only four regional yeah, because they sell banner ads in the clicks, is worth their ads for sales go off so that you know the weather channel for God's sakes, but though their specialist shit, if this is what they do, so when you click on the weather, when a sunny You click on the weather was storm. That's right! When you think there's a lot of thoughts, not thunder funds. Come then you got it struck by lightning are hit by tonight or hurricane or something, and so it's all fear based and it's really really dangerous and it can affect your personal affect your health, your mental healthier relationships. It dad gum procure affect your money. Oh it did it does. I got a friend of mine is perfectly healthy, was and since then is blood pressure through the roof. Cholesterol levels are high. He has scared himself sick, doktor empty as a prescription for wait throughout through a breakthrough.

Maybe VE brought pressure go right now what they will turn off CNN turn off immeasurably, say: turnoff, sorted out, don't break tv well, educated throw a brick to stop it, but I m sure.

In the lobby. Ramsay solutions on the dead three stage. Jeremy and Sarah are where the shaggy eyes. How are you grown? Well I'll, come? What do you guys live Columbus, Ohio, I'll, find welcome to Nashville? Thank you all the way down here to do a dead for each great. Yes, how much of you paid off one hundred ninety seven thousand dollars and allow them to seventy four can forget that good free, very good. Most two hundred well alone. This take seven years now and your range of income in that time started at eighty eight and up to one thirty, forty other for living, senior financial analysts and are registered medical assistant coup What was the one? Ninety seven, so the primary,

piece of that is a hundred thirty six and student loans. Thirty six thousand There's an car and twenty five thousand dollars between medical, other consumer debt and a personal loan for my former foreign now, while does that. Sometimes shore while a hundred and ninety seven thousand yes, what star this journey seven long years ago, while this goes back Canada to to when I was ten years old, I started working and that a very young age developed in infatuation very unhealthy one with the money which led to theft from family. Then what led to that from employers, their story short gotten got done whether high school in college and at the end of my first year in college, started playing online poker

that led to a seven year, crippling gambling addiction, and for the back half of that, I had met her and every step of the way she had been by my side and and finally, graduated in two thousand and nine with my undergrad and finance, probably enough and then felt like the Lord is calling me to go back for my master's and I fought and fought and fought, ended up doing it and just push through eleven months. I've got that done and then not long after that, her brother, had previously gone through financial peace. He and his wife put us through the financial peace course back and twenty eleven which lead Twenty thirteen, where we paid our first student do non payment. On an forty five dollars and eighty two cents, and I saw that

eleven dollars of that would be going to the principal found that if we were to pay minimum space on their schedule, I would be too weak jive my ninety eight birthday Angry yeah very angry, ordered the gambling addiction fall off right about that I was twenty tonnes action. When I graduated gloomier masters Programme of Information systems show you been draw twenty years ten years ten years, I'm sure you're, ok well done regulations. Thank you! That's a tough on the brake people, fascist growing addiction in America. Today's online porn, second fastnesses gambling, thereby thinks about drugs, are oh boy, Opie oils or alcohol or anything else, but that's a second fastest growing addiction right now we deal with it every day in here with our financial accounts, so well, congratulations are proud of you. Thank you. That's very cool show! For over twenty years you been derived from that, but in thirteen or an eleven the next year you went to appear you yes and then

Meriden, twenty twelve, ok and then were game off and then at twenty thirteen and made her first payment were thinking. Okay. Well now, this whole kind jump start that, while twenty fourteen to twenty seventeen. We had a medical catastrophe every year, No, you don't talk to that new. I knew our luck with bad either out in the hospital where she was in the hospital or a car accident, while somethin like that, and now it was Just- is draining twenties team is. When I finally reach my boiling point, because I was working in my career and I told her. I wanted to get a second job, so the server a cracker barrel for about six months and then and ended up work in a thorough job for a while and then being for about two years for friends, retail business on Amazon. You were there. When every extra time at the DES every a bonus it came in and it was-

majority this happened in four years, not seven! The last. I believe it was a hundred and thirty roughly last for four years and not got pissed off, there was a lot of money fights and this woman, I think, before we got married, I tried to push her away with everything she just wouldn't go away: I think she's been by my side ever since two thousand and seven just crowd Sarah watches watches Journey felt like for you spend long, and you mentioned earlier that your name being a password.

House for a long time. It really was in our house. I was very much so the free spirit- and you know I hate having the debt, but it just didn't really seem to be such a burden to me as much as it was to him he's very much so a number sky. So I was just like in a fairer, like everybody has dad it's normal lake, we're gonna be fine, you know we'll get it paid off one day and he just was relentless when he gets a firelit, an immediate stop so, and it was let so there was no putting it out and it was easier eventually just to be on board than it was to be off, and I am thankful that I I don't on board, show Hello goaded. You feel you dropped on board, oh gosh, honestly, probably within those last four years. That won't shows like that. Won't everything came to go beyond the pass through foreign or from the rearview mirror the animal.

Other staff that they cause. You got a lump in your throat when your tone in Amerika. We are not far enough back than you can move past the shame and under the end of the victory in start winning in some other things very well done. You also know that you can still grab at emotional, and you know that who sings you don't want forget it. You know I tell people it's okay to glance back. You got to focus forward, but there's some stuff. You got a glance back, you go I don't want that. Any more me man, you know proud of you, man, No, I really really really this is you can see it on you that do battle. You went through some stuff and You haven't her by your side. It makes a difference. Young makes a difference, absolutely

what advice do you have to a young couple out there this facing a card that what is this? What are the steps for the keys in the last four years, in particular that caused the needle to move for you guys think, does being intentional, like your money and sacrifice, there was a lot of sacrifice. That was obviously one of my biggest reluctance as to the whole process was just seeing everybody else around. Getting to take really great vacations orders do really fun things with their money and just kind of holding back a little bit and reserve, and you know not chasing the dream that we wanted so quickly, but just taking the time to get there. So I think just and also where your biggest cheerleaders Asha the two of you. So I think first my brother and sister in law that they put us through that before we even got married. I was just a great foundation,

Wade and then, honestly, I feel like he was the biggest cheerleader for me just because there were so much reluctance on my part. You know that you may like look like it's working. We paid this off, you known, he'd, be the one doing the mug, showing no doubt the underbrush little lawlessly, most Lebanon, you install world good job. You guys think you got a copy across his book for you every day, millionaires and you're different paths to be war. Those without Adele. Congratulations legally, very proud of you. He rose very well done. You took control a whole bunch, areas of your life in our Jeremy and Sarah Columbus Ohio counted down a hundred and ninety seven thousand dollars paid off in seven years. Georgia, but in the last four years make an eighty eight to one thirty counted, Download Sarah debt for each group, three to wine,

You too, near the chains followed by love. That's all some! They were there education, firstly because their brother in law, but I'm through it a patient first is now a part of Ramsay plus an indifferent. Patient, worsted coordinator, a virtual coordinator and get a free one year, membership a whole year for Ramsay plus by being leading of natural, futuristic group. As a virtual coordinator, and this is a brand new thing. It's loading deaf, I need your help. Text of a word lead. You two thirty, three seven. Eighty nine text led pay. You thirty, three seven, eighty nine of your virtual coordinator for financial, patient diversity. You get a free oh year of Rams, you, the massive all acts

online programme. This is the new regulation at your insurance company ever bugged, your car insurance rate for no freaking reason. This is so maddening specially you're giving it all. You can t get out a dad and then they bought by managers. Were you don't have sit there and take this. You can work with an independent insurance agent, one of our endorsed local providers or e mail peas. These guys are great cause. They will fight for you people who work with any lp, save around seven hundred dollars of what they are paying before less because their independent meaning they dont work for an insurance company, they have hundreds of different companies, they can shop

to get you the best prices right for you. They work for. You want a novel idea. So I don't put it off say: never again: gotta Ramsay, DOT, com, slice, E, Lp Click on insurance day, Ramsay got com, Slash Ethiopia save seven hundred bucks, that's really smart! I d like is with as much in LOS Angeles, MIKE welcome that over him. She shall all thank you very much. I my wife and I didn't write to retire. Thank you, Dave and Chris were taken, my call Scherin worth thinking about retiring and we have quite a few properties, and I we were wondering if we sit liquidate from ovum. Why that that's that's kind of our dilemma here. Why well all of our kids or out of town they leaped. They left the area and we are thinking about. Maybe moving sooner than later token

you know, wandered far concerned property all over in California and they live in Memphis and Chicago Luton. Show where you think about moving to what we were thinking somewhere up their members, Sir somewhere, like that how much real estate do you own, where we can property which it worth while there are net workers. Probably three point: eight million good, for you very well done you. How much of this did you inherent about? Two hundred thousand and how I go to America all five years ago, so you were already worth over me. Oh yes, very shall you are. You did not become millionaires because of inherited money. I just want to say that out loud because there's a lot of stupid people and I believe otherwise, I shall just one make sure I get that out there. He was being very intensively in my bed last night anyway, the attribution! witness the is the

parties are worth three million dollars. Appropriate properties are worth three million that we have one hundred thousand what type of real estate is this are they are resident in Europe. We have to try blacker, better work, approximately six hundred thousand, and then we individual homes so they're, all residential, looking all residential who and might be like you, sound You are a lover of real estate. Well guy, we always loved to hold that genuinely. If you my guess, you got substantial equity and you would have substantial capital gains if you start liquidating this. What were right about the only the you know what I might do as I might do a series of ten thirty one tax deferred exchanges, and so it may sound like this.

Figure out where I want to live, and I would move there and after I live there are a couple of years. I would begin to liquidate these properties, one or two time with a ten thirty one. Another way, a ten thirty one works as you shall it and it goes into you haven't you, special title company that is irish, approved to do a one thousand and thirty one tax deferred exchange and you sell it into escrow, and then you have to use that escrow to purchase other property of like kind within a set time, usually a six months that you have to identify and close and so you know you could sell off. You know a million a year for three years or half million a year. For six years or something like that out of the portfolio in which a reply but he's giving you the most hassle. The one I would get rid of first, the ones that count on their own.

And there are more stable tenant basin. That kind of thing other ones are get rid of. Last, but a period of the next decade after I made the move, I would not have long distance landlords, but I would not panic and do it all at once, you're in one fell swoop, and you can do any of them in ten. Thirty wants, as long as you repurchase, greater or value. Out of that is growing, within a short time you have. She wrote taxes. You rolled your capital gains in the next deal. Am I You need to find another hobby, because real estate has been your hobby two guidelines. In other words your slowdown, Deva me you gotta, go move and I would suggest you run out and air B and be in each of the three cities where you have kids, do you figure out which kid you like the most up, also by we already know, lose you open, but I mean you guys have been very intentional. As as a couple this really were adulation. Congratulations, very

well. We ve been dedicated to get all trying to build from wealth. Yeah. We're really proud of half an hour. The dilemma where we're both sixty seven and we're sitting here and the kids all moved in Iraq coming back now and we don't want to leave em a whole bunch of California, lemmings finance- and you know you can't liquidate some other than just move to mutual funds. If you want to but you're gonna have that fifteen percent capital gang rape. Right, sure, household incomes. Over four hundred, then you got over twenty percent capital gains in this Moreover, what you paid for that over your adjusted basis- and you ve appreciate these properties down you ve held him a while back. The problem of four hurricane thing, just about gonna be gain is what it amounts to so we're talking about a hundred fifty grand five five hundred thousand dollars and gap. Rogaine, sir, if you look good

how portfolio among I recommend that I want to know. I would do ten thirty ones if I were in your shoes. Unrove move the properties over near the kids, meaning by rental properties over there in the area where you can be living around the kid so that they can inherit them and carry them forward and they'll get a stepped up basis when they, When I inherit it too, so it's a very good thing: don't involve them in the ownership until death, because you're going to be in a great position to do that in and they'll have no taxes on the game. If you could do it Roger ten thirty one and then you die whatever it's worth at the time you die the value of the time you die which is all about equity in there all about gain in there is all gonna be the new basis for them. There are their tax base, so it's called a stepped up basis from what you paid for it and depreciated it down to

verses. What the actual value in massive savings? It's a half may not or site young massive amount, but I think Dave too. I was talking really for MIKE, given them permission to be ruined joy, do some stuff yeah. I myself, some other injure Spence idea just go. Take it go, take a trip go to where, when and some of the young man. I can't go anywhere, gudrid worrying all go to the store story even go there. Let me look at you mean they look at you mean I'm coming Melbury like me, I look at you may well I know they d, I'm not gonna. Let you put that will make them a just. Do it the button rooms, Molluscoida, ointment Where are overdue? James Fern Everyday millionaire theme our slogan. I used whether these we do pretty frequently but scheduling, covert and stuff a pre empted them, but whereby due to yet another one. You know when it's on the schedule of top your head, I dont show

everyday millionaire theme hours when we have nothing, but people call that I've networks of over a million dollars in what we discovered. By doing that theme, our was the most of them not inherit their money and you know: there's always ran up out there in politics mere inherited wealth its absolute morons, because you just don't know what you're talking about statistically you're, just wrong became, wealthy without inheriting it does. You won't be a victim so suck your thumb, ok, but but that's that's the deal not and so up doing these Megan our theme hours and then from that was born every day million hours and from that was born, the largest study. We end up doing a formal india. Three study that air tight, the large study of millionaires ever done in America and over ten thousand one hundred sixty eight of them. If I recall correctly, when interviewed an actual, you got

I was a radio that Hungary for having trouble sleeping in you. Ok, you know what I said that makes them you said, and I will stop at know why this is. If you read it, video, yes, did you make it through without napping? Yes, you lie seven gaps, which also you lie. Seven cups of coffee I got through listen. This is our nerves. What the details in the study we did. Our yellow man called the National Study, a millionaires for non bucks if you want the real book Everyday millionaire Boat, that Hogan Road, which is actually a good book in attaining the number one best seller, but if you want the merged happening at the other one to welcome gardeners beautiful face on them either way you got something Lozada your now shop. Opening between that's right. This is that I Ramsay shit

hey, it's Kelly associate producer advance, greater private, Abraham Seashell. This episode has ever, but have you heard about it of that 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 pot question that section or had ever Dave, Ramsay dot com and click Dave recommends thanks for listening Have you got questions about retirement, investing becoming an everyday millionaire, gulp, beggar and broader, with my man Chris open on the crucial genscher? I M excited to be able to talk to you all week in week out we're gonna focus on your calls and it's going to focus on building well investing and how to become an everyday millionaire subscribe to. The Christian can show wherever you listen about gas, hey, it's you producer of the Dave Ramsay, show this