From the headquarters of Ramsay Solutions broadcasting from the dollar car rental studios. That's that day, Ramsay show work that is done. Gashes gang and paid off Morgan has taken the place of the Bmw status symbol of choice. I am they Ramsay. Your host Christie Right, Ramsay Personality number one best selling author of the book. Business beauty is co host today on the show the phone number is eight hundred and eighty eight eight hundred and twenty five five hundred and eighty two five thousand five hundred and twenty two

your questions about life? about money are welcome, Canada is whether in Illinois highly data. How are you today? Christy? How are you guys do great tat help? Ok, ok, So I am thirty five I make about fifty gay and I'm about Kay and in the seventh year in a five year old. My question is about the budget and What I'm trying to organise and things. So what I want is ok coup is, I don't have the eight eight as they have a healthy, is and how the EU is the inequality seventy. Our guard, you girl, is it ok to input those items as a buddy, I'm just a kick start the account that nobody wants to stop our contribution. But since I didn't have the

being set up, is it ok to put those in the budget just to have it started? My say, for example, the ear say now: ok, that's why we call it baby should have to survive fire. It comes before five. You need to have your emergency fund in place below you do investing for college and before you build your you'd, be dead, free and baby step too. Then: I have your fully funded emergency fund of three to six months of expenses and place baby step. Three then a war is retirement. In five is college you'll get to college you're gonna get their Alger baby open I have a seventeen year old and a five year old, so my daughter's ones- and I have no cause payments for her and then I have my father. That's going to work in the garden and how much do you have not telling your home? Ok, no, I'm quoting about about fourteen sixteen hand that but not much

make what are you about? This became yeah. I would just our hammer that dad to an end freeze up some income to get your merchants who found if cause you're seventeen year olds going to school. If you the time for one year on starting your retirement plan and you some of your income to help cash flow that seventeen year old first year. That's fine, but am So I have a lot of conversations with a seventeen year old about the part. They're gonna play now, Rikers, oh yeah, they have failure alone, so often weave. We because we want to give our kids a college education, which is a great thing to do. We feel like that. That's the the option for them, but your children have lots of options from scholarships grants working. There wait there's a little, and you can start talking about that stuff. Now they can start working on applying these things. That's gonna take the pressure off of you, but at one of the hardest part about the the bay.

Steps as we want to do all the things at all times, but it's a priority for reason, wandered out before one thing at a time, because it's more about momentum in math, we're gonna get a lot of momentum and babies. Tattooing, you're, gonna, get that knocked out. You can get. It's not a very long We have learnt in the year yeah and then you'll be able to move to the next one, and then you have your emergency phone and then you can you'll be in a position of strength. With your budget to drive, you lay retirement a little bed and you can help with some of the cash scholarships for some of the cash the seventeen Euro picture school they can afford. Maybe even. Two years of community college and the harm and the seventeen year olds gonna be working in school on bottom, where they really need to get great at taking the issue to test the sheer. Until I get a couple of times, and try to get that issue? Teach Corp, maybe even take a class on how to take the issue too. And yet the scores up, all of those things combine can cause you to go to school. Free, I'm gonna have medicine pick up and send you a copy of Anthony Toenails book debt free degree as our gift. I will help you do this

but push on through our duty. If I'm wrong orders. What gotcha here get you into the mass and so You ve gotta, get things in the right order here and then that'll help you be able to execute all the way through their college career, Lauren Asian North Carolina. I learned Community Ramsay show I am so I'm an Christine business Albertini. How to me- and I had a question about time and weird, to balance my activities just wondering. How do I d, though? How do I balanced devoting activities office things like bookkeeping? Is income generating activities by thinking products in the bud yeah. I have two young kids too. In a four year old, stay at home where and work when they fleet, so where, but my time is limited. Because what you're, what your business I

I'm an artist alive, I'm in the planning stage, but I've been making an income making some commissions and have started to figure out making products and ways to make passive income call. So One of the awesome things about working for yourself, but also one of the challenging things that you about working for his office. You are your own boss, which means that your schedule, and so few that one you all have one, and so now the sound so silly. But if you just treat your job like a real job, cheaper, cheat your business like a job where you so came. Monday's for two hours. I'm gonna work on the business, not in the business. I'm not gonna. Work on my art work on scheduling the social media me to get my email campaign out for that we come to work on the books them in a work on strategy vision. You know those take tat thing, and then on Tuesday, aiming to do my art and on three you know. I don't know that looks like rain born, but I would just create a schedule. You know your business. You know ebb and flow, and can I you know what busy days aren't like, for example, my mom. She runs a bakery

She would never one law on her business on a Friday or Saturday. She has hustling to get cakes birthday cake. Some wedding takes a little but a Monday, a Monday might do some other paperwork to might get caught up on email. She might be that type of execution for what's right, for you is what I would say that your schedule, unless you can give you some structure day. What would you say do exist the same thing. If you dont schedule the stuff you hate you doing, it won't happen, show the pregnant work, the book keeping. I hate, bookkeeper, I like to have the numbers are like that: the results of accounting, the actual doing, of accounting under the shoot myself so, when I was on one man shall I had Friday morning from eight a m to ten a m. Every morning I sat down and reconcile the cheque book pay the bills in preparing a couple: people's rights and payroll taxes to get out in on. I actually ran a profit lol statement that I kept my hand in those days later on. We actually got this thing. Called a computer that was pretty nifty.

But you know it's that helped cut the time down, but in the had allocated because for me it was like a term paper. There was do and pile up, and if I didn't do it here, I'm the guy given money advice from a bills, Edmund paid, which is ridiculous. Obviously- and so I have lock at a certain time and me me ashamed of myself. If I didn't do my work on those certain times especially with the tasks you hate doing stuff. You love doing it was during. My like mine deserves lying candy, but you ve got the disappointed. Do the marketing the discipline to do the book, keeping the discipline to make the phone calls the distant upon the produce, the art, the discipline and ebb and flow of time, set spots on the counter. Exactly what Christie told you what I would do,

is that I've Ramsay show you know

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her chair and national good friend of mine after Scott solves. He has been a pastor, Redeemer Church and in Kansas City, worked in New York with TIM Keller and has been the pasture here for crash presbyterian church prolific author and a wonderful speaker, and just a good friend and a good guy Scott solves. What's up man, hey Dave Good to hear your voice to Christie riders weathers today, Ramsay personality sure she'll be charming. In God alone look and timely, timely message? A gentle answer, our secret weapon in an age of us against who would have known that with covered and being angry with each other. Over that and with them show unrest racism and people

upset over there that we would need a book at exactly this time. A gentle answer perfect timing, brother Well, you know the one thing and we were thinking about where we wrote the book and timed at her. Releasing today was the presidential election and adjust on me. This morning, David, we hardly had any conversations in the culture about the presidential election because of the two things that you just talked about. I hate bucks good could be more popular because of the pain and the culture has all surely painful the lodge and be part of, but but it turns out the timing. My guess is good. Well, unless it's gotta be gods, timing is there's no possible way. You could have landed that book today as well. State all those in the middle of all this stuff- and you know that the knee, four civility between people. Disagree with is a it's a pen. Problem, you say, but it's a biblical manner

for those of us, the collar people of color, so people afraid, but we all get so rolled up Norway. We do and you know I think you ought to your point- Dave the car back to Jesus's teaching on what it really means to love, neighbor and and when he unpacked at teaching. He did so with the parable of the good Samaritan, where two political, cultural, Socio economic, religious opposites or are the two characters and one comes to the eighth and the rescue of the other, and you know that's really what it means to rob. Your neighbor, as yourself is, is that that that even those that that might treat you as enemies or me as enemies by Stephen King, said to figure out what it means to love in that way, obviously unhealthy ways, but but I'm not a doormat ways, but in but in life giving ways, and so

It's complicated staffer that cries causes to procure a gentle. Answer turns wrath, if I remember, That's an proverbs, isn't it I'm sorry! one fifty one again, and I've watched that and counselling sessions. I've watched that between people who were having heated disagreements over whatever that. If one part just calmed down it changes the whole environment. Doesn't it you're right You're right. If we have one party calms down at tend to have a contagious, a factory I mean outrage, has a contagious effect, sodas kindness and little thing called pride does if it gets in the way of somebody going first and then those conflict, situations, but me

and I think oftentimes David spirits, brood of genesis that is as a sign of weakness, or maybe a sign of whipping us, but is actually one of the good restraints to be able to respond with kindness in in a climate of the field hostile down, one of my favorite quotes from Morn Warez BB meekness is not weakness, its power under control, I want you want your closest friends. Max locator would be a great example of that. I don't think. Whole lot of people would call him a weak man and yet is incredibly gentlemen kind. I've never seen his feathers ruffled. Just never have I'm sure they get ruffled on the golf course ever. Others rough that at that avoiding thank so there. Is a time to be angry for

all of us in all kinds of different situations, and we always throw up. The term righteous anger. What's the proper way, or a person welcome a god to be angry not SAM? God you ask that day. That's chapter five of the book to do. I doing allow no universal structure that you just quoted. The sums on occasions, and if you go back to the original languages of the EU and the Greek you'll see it it's not a suggestion. It's a command! It's it's in the imperative voice where God is telling his people to be angry at some hits certain things, and it says what, like you said: Christians, craft, righteous anger and righteous anger is the kind of anger that attacks things that are evil,

on righteous anger is the kind of anger that attacks things that are good and you know anger like fire it it's an energy that, let that very nature is to destroy wherever attaches and but when control and flight control little can I stay right, then I'll cook a nice day can create a beautiful beyond said a little ogier bacteria do all kinds of things will burn up things that are ugly in traffic, yet lose if it gets let outside of its context, it can become a loud fire and really hard a lot of harm. Show it. It's a good thing to say When you are passionate passion and anger or close friends that when you are passionate about a subject, maybe You talked about, politics is, as you thought was, gonna be the subject when the book came out. Maybe your protest,

Maranta Trumper, your pro democratic around. Democratic or your whatever, because stands or the issues that you think they represent the character, laggard character, your passion and about that The measure, then, is: how are you treating other people? Why you're doing all that? Is that what you're talking about, I think this is a little version and look where Jesus addresses a certain group and look scribes. That group this way to some who were confident in their own righteousness and down on other people with contempt. Jesus thought the pair seeing the tax collector. Well, you ve got the sky with inflated view of himself in a flight of view of his own opinions, and we can tell the views and flayed because he's looking down on somebody else with contempt

there's no interest in relationship. There's no interest in learning from somebody's got another perspective is no openness. To having his mind change. These summits are let herself, you called twitter cesspool of negativity. Well, it's it's people saying things they would never say in person, because they we have. The courage unaccountable media unaccountable and it's it's it's worse, its anonymous, and There is absolutely no chance that tweet hate at some one and cause that person to change, yeah. You know I've been alive. Fifty two years Dave I've never met a single person who has been scalded or harshly reprimanded into changing their minds and certainly in the changing their heart, no doubt about it now and so

the idea being that in our I can debate you all the way to the dirt, and make you say uncle, but yours we'll get up and walk away with the same opinion, oh, you know you're putting it the better. Then we ve got something stretched over here, really good discussion. When your house about important thing, there's a kind way to do that as well The basis for those discussions were that we love each other and trot each other, and so then we can argue and have a good a good time with it and come out of their richer. Both Irish and that's a different thing and we're talking about the book is a gentle answer. My pastor Scott solves. I highly suggest you pick it up. It is the ended up, for

going on out there right now uncovered times like you got with Russia joining us. This is the diver empty shell.

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thanks for joining us America, your call for Christie right and made an error on the diver amply show she's. Our co host on the Aruji personality new Park Sure newly named podcast, expanded content called the Christie Right show launched today. You can see it on Youtube. You can listen to it anywhere great podcast, your played like Itunes, Google player Spotify, it's everywhere and I are gonna, really enjoy this first episode and I'll give you a great idea of where she's going helping people with all areas life will give you here that the skills for life starts from the inside works, its way out, which is your specialty right Christie guides. Really find it already see. Just today the response of people again,

That's what I needed here. That's all. I need here all that just the family or speaking directly to me somewhere, like side, see we're gonna do through this good stuff. Most of our Cathy use worthless are these internally. I gather your question for Christian me. High Dave, I Christie at such an artist. Here today. I must actually I'm looking for guidance in how to turn my website into a business So I have about. A year ago I started a food blog where I post and healthy recipes. I do some stories The recipes product reviews, Wellness, Tipton I've also started long with that: a facebook, page Instagram Anna Youtube Channel. I've done a few video, so I have a fair amount of content and I really feel like I want to launch enter into making money with us, and I I just don't know what the next step is serve. Well I'll, tell you really

quickly. There's a couple different strategies when it comes to monetizing a block one you can do it and it takes a while is monetize the traffic. So people advertisers affiliate marketing that type of thing they would pay you for US spots on Europe. Page for features for mentions that type of thing. Not the only thing is the only thing they care about our views, eyeballs or clicks, and so you have to build up quite a good readership base to make any kind of Senate significant money. That way. Another way that you can make money on your blog is to think of your blog. Like a marketing megaphone Evardo, gotTA, Youtube Channel. You got you no other things you ve got going on and then your blog drives to something that you sell. So you said you ve got recipes. For example, you start to build up Viewers and a good readership on your blog and then you come out with the with the cut or an e cookbook. You know, and then your blogs direct to that.

And it's the sale of your ie cookbook that actually brings in before you, the blog becomes a marketing funnel for that it is really Emmy. There's a few different ways to go about it does is to general ones where the the blog as a marketing, Did you to drive to, or maybe you have nutrition consulting counselling and in its drive to those services, and you sell those services that blog as a marketing avenue, the other. Like I said, is to monetize it through advertising sponsorships affiliate links that just takes a little bit longer cause. It's really depends on the clicks and eyeballs day. What would you adapt its it? this question a lot about monetizing a blog, and I think people have an idea about it and it can be harder than I think. Well, you're requires, in other words, return by the first version, or to get money out of you tube or to get money from substantial money from advertisers. You ve gotta have a lot of traffic and show you know that if you know the content will eventually bring them

Africa, but stirring up trouble or whatever it is you gonna, do take it taking on a villain in the process that in processed food or whatever the villain of the day, is in your world, then you know you that that stirs up things and maybe you'll get some traction. I and some things like that and click through to other people sites. They'll pay you for by the young. The best margin by far is gonna be to have some kind of a delivery that you have some kind of a product and a product or a hard product. Even if you shut up delivery on it- and you know your ear social media presents- gives you the Christie called it. The megaphone, though the platform, the connectivity to potential customers and they go hey. I read everything that Debbie Rights and if Debbie says this is a good recipe,

I'll, pay, fictitious download recipe or I'll pay. Nine dollars, naive actions for Asia, a fairly short cookbook or for a meal planning from our or a tool. That's built on line that calorie counter or a meal planning process is a tool of little basic thing that you can have somebody in the web whirl bill for you, but again those that you starting to create products which we do here and that I'll remsen solutions, monetize is seventeen million people listening to the Dave Room she show for free, we monitor it off of ad sales and endorsements and in we create you guys, are buying books from us, you're buying of antique it's from us, your buying the various tools and processes that we have here, and there are good things- are helpful in the stuff. Your brought provide, needs to be helpful and good, be good things tat, one thing out, add catty. This would be a good step, for you is to just create focused, as you mentioned

things are doing through your blog through your to one question: ask yourself: that's gonna, give you focus to all those things is what problem do I solve? So what problem you solving for your readers for for your viewers that I'm gonna make this up. I help busy moms up with meals in less than five minutes. I just made that up what what you're thing and then have to be so super niche and focus if you're, just kind of all over the place than your kind of sawdust. She does. I don't know how something with health and food have have a specific problem. You solve them. What's so cause there on your website, your blog, your Youtube, a cookbook products services. Does it matter So many different ways to solve variations of that process. For your audience in different ways and monetize debt problem that your soul but you need to know what it is because if you don't know your customer doesn't know caviar called you Debbie Debbie's the next year business, grew that I'm sorry about that b is whether in New York I Debbie welcome that I Ramses hide your speaking. What both of you

What's up in your world, while like a kind of similar to our Cathy's clash, then I am looking for a way to make some extra money from home. I'm thinking of starting a Youtube channel am. I do have a couple of different ideas, a mind of things, I'd like to talk about like baby, organise them or money, but I just something I want to part time. I just don't know where to start a might have the slots at only, but no my current work, sir. You know I'm due to another four major

I know I know I have to do. Some definite may contain some Debbie William today. I love that you have some ideas already costs a lot of people, don't until you ve already got a great starting point. So I'm gonna give you a short answer. Then I'm gonna give you a resource. It's gonna give you a little bit more in depth. Answer I just first starting point: I want you to look at three different areas of your life, your skills, your strengths and your stuff, and you're gonna. Look at these three areas for inspiration for potential business ideas. Your skills would be things you know how to do well view of education. Experience, tradition, credential, certifications, your strengths are things that you're just good at your talents, your gear, you may be have never been trained in it, but you're just really good at your great artist, but you don't go to school for it and then your stuff, What do you have a round you that might ensue? are you. I use this example Debbie, but when I moved to the two, a forty eight per farm, when I was like twenty three, there wasn't, Levin Stall, barn and I thought well there's a bar, and I can

horses and and and make money here so that that stuff, the things around me and like you swimming pool. You could teach from us and you may have a computer. You can write a sewing machine. You get so look around you because when start with what you have you make it so easier on yourself to win. You doctor a bunch of new skills and by a bunch of stuff, you're gonna turn a profit quicker you're gonna get momentum in confidence by getting out their quicker, so start with your skill, strengths and stuff for inspiration. To come up with business ideas, but then, if you'll stay on the line, I would love to give you my course. Business idea, boot camp and that's why I take this short answer longer and walk you through my framework to help you like all your ideas and find your best business idea, which will be your most profitable business idea will stand alone, will give you that course, and that all that a happy that's real, easy to go through course affordable.

Since, in your come out with your best business idea. You know it is a really good idea to go through some kind of an exercise like that to filter out the Norway's around you need. Do something different because you can you can really run off down the wrong alleyway get mugged, but the forest Whilst on you how you do this, you should do this. Maybe not everybody go dumb up. They do this used to be pulling up from inside where you can't not. Do it? That's a big deal. This is the diagram future

like I launched today on the river, amply show Christie right, peremptory personality launching today a new version of her podcast renamed Christie Right show spanning he's talking about, be sure you tuning and watch it Youtube and listen to it were great podcast surplus do you and your spouse avoid money, conversations closer to painful and they turn into money. Fights and honest conversation about money is one of the most important things you can do for your marriage, for your family. For your future, you'll never reach a money. Go that's big! If you don't budget for it together, make it easier. Every day Does that it's our budgeting to me family uses it everybody I am sure uses it is.

Police sinks across multiple devices. You in your spouse, the same page and get your budget going in about ten minutes and- forget it. Every dollar plus set you up for the entire financial peace experts, Hence, as well with the fourteen day. Free drown out process, but we usually up for free. You can do that forever. It just doesn't have the connectivity to the bank shout get up it's time to tackle your money, gulls text, every dollar, two, three seven, eighty nine that's every dollar, two, thirty, three, seven. Eighty nine Alexa, is whether such California High electoral welcome that I've Ramsay shall I be recouped, pleasure to speak with you you have what's up. I believe the coal money make over my husband. I always big step one and we are in the process of parting big that too,

We are currently having some problems living at home, my mother in law and better law privilege each move. Our initial plan was their current written in favour money to pay off. I was out of debt and say what can babies that three, but does things like it's impossible a question for you David, shall we stay home and endure another eighteen, like the planning of that. I shall we look, come about and still try to pay off our debt. The way, your phrasing that shit, like when you move out you're gonna. Give up on your get out of that plan are not like that, I want you to move out. And I want you to ratchet up the number of hours. You're working and tight nearby get down and rent from cheap, cheap, cheap thing is cheap. Is you can find, I know you're in California, but what you to give up on and get that plan? Ok,

You run out the door with your her own Vargas, your manager, mother in law, and you abandon you get out of that plan. And you was out on properly tightening your budget down and really being hard core. You missed the point I get being frustrating getting out of a toxic situation, I'm saying do it: what New Christie yeah! I here there's a lot more people. They only how you know. If I do this, I can't do this and that's not true, you can do both you can move out and get out of debt. We'll get out of that all the time that didn't live with their mother in law. You can do this, I think it change. I think it comes changing the narrative in your mind that that's not possible has with possible you're, not gonna, try. But if you start to realise that way, what must three. We asked this autumn day. What must be true, me to get out of debt and pay a reasonable eat out. She brim reasonable that we can afford outside,

with our mother loan. You start to run those numbers you find something that is just crazy, cheap. You, you know, increase your income. Take aside gig folded, you start to see him, possible overtake you. You know an extra twelve months so starting months to get out instead of eighteen. So what I'm? Ok, we're there You got your sanity and moved out. You change your life in the process and therefore you know, but that, but way. You phrase this was too stay with crazy, or do I move out and I hope you work out. You know now. I'm gonna have a plan to execute apply. I'm gonna do both yeah ye change. That narrative exactly argues weathers in Michigan Mark Welcome. The Dave Ramsay Show. I gave. I have a small engraving business start a couple years ago. I'm getting

The point where I need to set up a business accounts using maybe some type of both the software is wonder what taper soccer I could use off the shelf. It will have been stolen. My laptop India also help me fill out my federal and state. Tax returns better yearly, you're in state of sales tax returns are probably may find something do that off the shelf. I'm not sure a company called fresh books that does a good job for small business, start ups on the account I'm not sure. If it'll do your tax returns, and the other issue that can get really cumbersome is if you selling across state lines and you're, trying sales tax and multiple states and do those tax returns and yet others just lotion and case law that has moved along on that and all these states now have the ability to collect on you

A daytime before and there doing it if you're doing it and multiple states, but I'd, be concerned about the sovereign filling out my tax returns. For me, then I would magician ensure sure that I kept up with my accounting, because accounting is the life blood and when Can I read the numbers? They speak to you that hey what's going on in your business? Don't agree yeah, it's interesting! What else say: Dave is most of those software programs, whether its fresh books, quick books. What what Use. They will export the reports that need for your tax purposes, but waste always recommend having a c p, a sort of Republika comment, we have endorsed local providers because more often than not, they will save you more than they cost you in you got a complicated business return. Yeah there they're going to saving more than they cost. You suggest a headache having them do it. If your cross in selling acrostic the day was saying go ahead. Building the the expense for that, but then you'll, whatever software use, will export the the reports that that person to be able to file for you

PAM is next in Missouri Hapag welcomes the diver amnesia again Christy my call my husband and I are some inertia. The air now our biggest at seven. We recently came into a little bit more money because of a death in the family and now our planet by our son. Those forty is a house here. Asperger's balloons quite hard functioning, he's been apart for years. It's just not a good situation, so my question is what kind of caught between do, we buy a less expensive house, the amount of the inheritance, or do we it's a money with them in order to move him closer to us where we can kind of help him more and he can kind of help us more. As we get older put your total mistakes,

to a million, including this money? You just got here, ok and what cause to do a and B. I would be around one forty be around one. Ninety Accra I only the house in your name with him in this situation, so that he doesn't get taken advantage of by some unscrupulous person right. We're. Ok, not really by him I'll sure, buying a house for him to live here. Buying in Helsinki will work for us. He is in a minimum wage jobs, not sure you know how much is it did not, then package for the house. The thing is you The questions we have an asset that is now returning a lot but will go up in value we lost aid or are you gonna have invested in something I didn't alfonse in this situation? I think it's. Twenty percent of your net worth toy your nest? Eg, you have your house paid for his well right here

you're not worth excess. Romania. Well, No, let up in our house was about fifty I'll catch. You five hundred dart right now you got about seven do you get in and liquid assets? Ok, I would by the one, ninety okay. This is, important thing for your family, the chemistry of your family. Access to him do not violate bound but to assist him and provide for him and album stay between the between our rails, that's worth another, fifty grand! That's why you worked so hard

serious what you're, gonna say Dave because I think there's just such value and peace of mind and that Europe a situation, the peace of mind, of having family closed with those dynamics. I'm glad you so that all reject what why you work now. That's why we ve why you became a millionaire show yeah. It's put you in a situation that do then the question you're good mom links for colony, This is the direction we show. In the middle of these uncertain times. Ramsay solutions wants to give you some hope, for the very first time ever were giving you financial bees University brie for fourteen days of Abraham Zidoc arms like oh, so you can watch from home

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 going to focus on your calls and it's going to focus on building well investing and how to become an everyday millionaire subscribe to the crash organs wherever you listen about gas, hey! It's! You producer of the Dave Ramsay show this