Debt, Relationships, Investing
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This is an unofficial transcript meant for reference. Accuracy is not guaranteed.
for the headquarters of Ramsay Solutions, broadcasting from that all our car rental studios, it's the rams. Asia were better storm carriage came paid off and it has taken the place of the Bmw status symbol. Joy, diagrams, your host you job without about your life in your money, can Coleman Ramsay personality is my colleagues today is the open up again Coleman show heard on over seventy five radio stations serious likes him in a very poor,
we're podcast all across Amerika answering questions about jobs and career and finding that pay check with a purpose. So thanks,
warning us the phone number triple eight, eight to five five to two vice.
John, isn't Charlotte North Carolina John Welcome other amnesia,
Dave nice to talk with you. Long term fan first time collar
soon. It financial peace University at our visitors
search a number of years ago and I really really enjoyed a glad to say that
I find it very good for you
There have been fur
some time. They also really helped us
in an hour. Fannys is over the years, but I didn't want you to come
the called I've got, perhaps a comic
with college
Cute
I think you ve touched on this in the past, but
have three daughters: our middle dollar is a freshman at a university two hours away great kid,
She was senior class president athlete the year in high school.
Oh, she got final exams coming up on our first semester.
all the indications are a great you're gonna, be good budget.
Our final here in the next few weeks here, but she had a long time boyfriend that back in our home town,
two hours away from her and we are concerned about here. Particularly
influence said he.
his having over her
the kid. The boy friend at his thought, graduated ology, our our high school. He stopped going to school
doesn't leave it all with his peerage anymore. It's sort of out only down
There has been talk
our dollar coming back home that I'm not going to college two hours away because of the normal, hey, I'm in love with the with the boy print and
over the years. The last couple of years there has been some negative influences.
by him, alcohol long beard here
ah here have. It is wiser to rule beard those kinds of things
I have a lot of older bodies. Also Eddie
ten years older than me and trusted free
did about this offer that I'm I'm getting a lot of different opinions.
On how to handle this, and I think, in the past
As you mentioned, hey there's a couple. We you can call here, persuasion
economics or financial aspect of it.
my wife,
Can I pay for everything for the daughter, color vehicle food
to which everything and we plan to do
for four years, but the
we freeing it's just a bad influence and on if we clamp down on our daughter, we are almost certain that she don't pick the ball free it over.
Over us and supporting us through college and down.
he's not sure how to handle it. What gives you that
believe you guys there's something in her life in her personality. It makes you feel at, or is it just straight up, fear any evidence that she would do that
She is strong wheeled
were her mental studies. There is that she wants
red weight as fast as possible,
so she can earn a lot of money because she knows that here
go on a lot of money because he does not have a high school.
And so she largely in love
a dog
dont everything right example,
before end where her-
are there now here is what
all that is goin to resume our mind
ah
and this is a little crazy idea- but maybe not is
putting the boy for it. In other words, being
proved himself: ok,
come to the house for dinner and what
a conversation and
We would like to support you in getting your. She
All and see they Peter
this up on offer
the- doesn't that perhaps through shop
to our daughter and she could see hey.
lies
We do what is supposed to or apposite
benefit too. It is how we supported ain't about his family as its border areas.
Thirty years and origin,
They have our daughter
see that hey. He gets a g d.
Perhaps he has got the ability to get a decent job.
Sheer youngest Middle Way
watch her sister shy about all this: the sisters of sea
Sister is a senior college.
she's back to grant away she doesn't like.
All right, I'll ask you at year end in the younger turn turn her loose on her sister yeah yeah
Are you telling me my three? My through have policed each other over
that age group, when they were in their age group,
they don't around because they have separate households now and they're all stand alone, adulterated than other rip. They risk
each other's boundaries now. But if one of my
both my daughter from college at the same time that this has been going on.
One of the other ones would have said
you gotta be kidding me scholar.
And she would call it out that way. You're been real nice, but that's what you're saying so
I think the other only thing I can tell you, as you probably you more than
the wife probably more influence with her than you think you do
and I get that from document maker, and I would pick up the bookmarks
and your copy I recalled hero and
about how the ads are a hero in the good dad's,
our hero in their daughters, eyes
you probably. Can you
Mary, even tempered you're, not saying anything, flamboyant you're not going over the top one way or the other here you're. Now
bandinage measure willing to stand in the gap for her? Are you willing to make a deal?
call for her for her own good, but you trying to
be wise about how to get at this whole thing. That tells me you're,
we're going to find the right equation
because you are- and I think she knows who you are- and I
the guy I'm talking to is a guy. She ll listen to it
may you to stop. You make a couple trips over there for Saturday morning, breakfast you make the two hour drive and just start
speaking in this situation very blunt like now and so
you know,
I've known guys like this, my whole life and we love you were gonna, walk with you. We're not gonna abandoned you, but this is a bad situation and I'm worried about you because I love, I think, show here you more than you think she's gonna real clicks on. I want you to try smothering this kid with kindness asking. What do you plan to do? Puts a kind pressure on exhibit freaks email gets off. Imagine this this time next year you could be in your dream job in technology, and you don't have to give up everything to do. It can come in here and I'm thrilled to tell you about my friends, Bethel Tech. They have a nine month programme online.
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question closer Alex in Alabama rights, it I'm single twenty five years old in the military and on baby step, three be with a hundred seven thousand in investments. I've always wanted to be a pilot, and I'm here
way through the process of getting my commercial licence. If I stay in the military, it will take me
three more years to get the license and qualifications to be a pilot. It will only take form
but if I pursue at full time I'm
Fraid. The aviation industry will recover soon and I'll miss the employment wave. So I want to get the license a sap to deal
my situation burn
bridges in the military and taken a step backwards. Career wise is whole
we back. Should I leave the military now to pursue flying full time, ok, you're! So much your day! First of all, I am afraid that the aviation is your recover soon and I'll miss the employed. That's not true! Theirs,
it's gonna- be a need for pilots, that's
false narrative, that's creating some unnecessary pressure. I also have questions about burning bridges in the military. I don't know why in the world, you would need a bit to burn bridges if you're leaving honourably and you're leaving from the military to go into the marketplace to pursue a future, you don't have to burn bridges if you're a jerk and you leave the wrong way. That's the only way your burning a bridge so don't quite understand that you have to
two. If you want to take your time
financially more viable for you to finish out the three years:
you have to stay in the military and then get the license. That's fine, too, but if you're twenty five
good investment in you ve plan for this funny ITALY to go full time for format you gotta have living expenses. You don't go
course financially for the four months it you gotta, go full on to get the
pilots, laser soap,
a bad decision. If it's me, I'm planning for this- and I want to go
the form of option and I'm not gonna, look
we can't let fear of something
not real, hold you back your Dave now what I can't tell
from the email is if he has served his that's what I'm clear on this time that he has promised the military, yeah enemies,
you, can't just walk out that door and I think that's what he's not leading to us not burning the bridge, that's just not on
option. You can't you can't just walk away. Russia were no sir. For years you got her for here, that's correct or whatever is you signed up for closure? Your
and so now, when your time is up, if you are referring to
earning bridges, because some ice
her feelings hurt that you left the military well, that some down, that's not on you, you just don't be a jerk and you,
They have enjoyed my time here and enjoyed servant.
Country and I'm gonna move on my career. If your time is up
if you can leave without doing
thing, legal or breaking a contract and be done
in four months, that's what you should do, but not because the whole in aviation industry is gonna evaporate in the next three years. Fiscal.
Uproar the next three years, why you go into reverse its Adam plan is like
you're gonna, get the one job, that's laughed and there never get you're, never gonna need for another thing: ever the guy are everybody, and not only the last wrong. That's that's a completely convulse narrative, but
but again it has to do. I can't tell from what
I'm not burn bridges, major a yet it's hard to say. I'm assuming you realize you just can't walk from the military hit me with.
You gave your show up and goes to me and I, like hey, I'm out. I think I'm going to weakness. That's the way, doesnt work! Now I don't think so,
I learned Weathers Tyler is in SALT Lake City. I Tyler. What's up,
guys think so let me join, you sure, are going on paper
I just got another unique job situation there weren't babies, that four five and six and I'm
Authority University, and so they put fifteen percent of
my income to retirement account every paycheck they do.
Regulation for my kids and
Our plan is to give the house paid off in the next four years, but I wonder what what
What I should be doing in terms of that four five and six in addition to maybe
the marine models to the house that my wife really wants. You take well by
step forwards. Fifteen percent of your
I'm going to return right. Ok, can I get you the former. I tried
we'll see Labelle. So they do that without a man, so they just fifteen percent regard. I don't put it any. They couldn't drunken anxious that, should this tonight benefit s wonderful, but you know
be putting fifteen percent of
income.
retirement that's baby step for.
You knew that only those babies have far right.
Yeah, I know very well that boy, just that were I've, been watching you for five years and a few months ago you had a big retirement like that. You day,
do fibre, seven percent and for a little more towards the house. But lately I've been here use back you'll, do the full fifteen, no matter what they do: a big retirement,
you mean like them. The amounts are putting it or if you got a million dollars already in there,
as I have about a hundred and fifty thousand dollars. If you don't have a big return
it's a little manner now here
but the amount there putting in at? I think the only time I have said that an eye
one of the few things I am is actually consistent, so
I think the items I have said to lower down to that
seven percent or something
not
not based on how much they were putting in but man
Tori replacement. Like
choir. There are arson positions where they require you to put twelve percent into a programme. This, like a pension plans or something and
do. I need to put fifteen percent more on top of that. Now we back that off or nor were there,
this or that she didn't, you can do whatever you want, but I would recommend you put fifteen percent of your comment and that
they kids college, and then you worked
off your house, you remember your house out of the balance and that's that that's pretty consistently yeah. What we teach
so I thank you. Robin is Withers Robin is in Nashville High Robin. What's up
thank you so much for taking my car should really appreciate it, for I wouldn't listen to you for mayors and year, I'm coming because even
the same situation, I've been married from of twenty five years, live about him
hours away from our and laws and the rest of my entire husband family.
On a parents being
when a large house- and
making just recently asked if we'd like to buy in
They own it outright, but they told us in the next couple years. I would like us to make a monthly payments chicken
running and then
would then turn it over to us about the year? Twenty, twenty three, my husband, I
sat down in and get the mass and decided should not do that good on his other tooth
The Boeing opted in, we opted out good, but there's two. There
two problems their number one
were the only weirdos that that left the family and left the stage and were also weird because we follow your plan to achieve that free, except for how
your ten hours away from the like AL, shows no reason by into it you right now, but based
not really having a lot of money
so. Why would we? Because it's such a model- I don't want to
it's our money who exactly
and now they are going round the family telling everyone that we have opted out of our inheritance.
and I'm struggling to, explain to them. That's not inheritance. Just wouldn't
Just let him do whatever have they don't do I mean I just being bought.
You can't make somebody not be a bud, hurt your feelings, but you'd an opt out anything. You opted out of a dumb plan, good for you and had there not relieve you son, because, where oh well, that's ok, Obama alive, miss sharp chronic control credit card companies offer awards to get you to sign up with my cache bag and travel points, and we will try to take advantage of credit card companies by playing a credit card reward game. I'm George Camel host of the fine print podcast show where we talk about the hidden truth are keeping you broke, listen episodes you define Fred, find out who's really willing and whose really losing the credit card Board check out the fine print with me, George Camel, where every illicit about gas can common Ramsay personality is my co host today. This is the ram to show in the lobby of Ramses solutions. Aren't that debt free stage GM is where there's a GMO area.
Gentlemen takes four. Have me honoured to have used our? Where do you live on Rockford, Minnesota, ok, minute, Minneapolis area, yeah, small town, a little west cool, welcome, welcome to Nashville how much
paid off seventy
one thousand four hundred and seventy nine actual it, and how long did it take
thirteen crazy months in your range of income. During that thirteen crazy months, I went from forty nine thousand up to seventy five thousand wow
for living, I'm an elementary school physical education teacher and then for the thirteen months. I was delivering pizzas for dominoes, and I worked a golf course for awhile. While anything, it took me a pretty much
gradual claw and get it done is what kind of debt was. Seventy seven thousand
I had a little over eight thousand in a car alone, and then the remainder was student loans student,
stone Longstone long ago, Lovett very cool. So what happened to you thirteen months ago that made you go crazy, like this so out before I can
I can assure the the debt pay Appstore. I want to tell a story that kind of informs how
the energy and motivation to do it coming
school. I was,
close to four hundred pounds very unhealthy. Just not really think here myself and back then, is when I kind of first
what Gazelle intensity was before. I even had any idea of your teachings and getting into the german just workin.
Seventies weaken and I was able to give ourselves down to two healthy, ranging and tick.
Things iron
amazing all he. I think he saw a hundred, so you launched over two hundred pounds.
Unfortunately, after that some life happened than I did go back up a little bit. I was I was up to three hundred and thirty six pounds again, but then
It was three years ago, or so I got back on it in
back on the right path, and now I'm back down to where I was pre, putting it back so fast forward to the debt
I had a conversation with my cousins, husband, Alan. He had read your book.
The debt pay off of his own and he asked me if I had any sort of plan in place for my student loans or if there is going to hang out forever, which at the time
I plan really wasn't a plan. I was signed up
the public service loan forgiveness and I just assumed in online, I make minimum payments and eventually it would be forgiven,
pointed out that something like one per cent of people who are applied and were were receiving forgiveness and it wasn't much replant ball and that's where we put together a budget and came up with a plan,
The time we said was gonna be twenty four months to get rid of it. I already had closed,
ten thousand the bank, so that was just pay
car got emergency fund figured out and we're after the races from their yeah, ok cool.
so he Halon drew up on how do this then? Yes, her very cool and then how'd. You connect up with us
though him yeah. So he gave me a copy of your book and read. The total wanna make overrun. Went through financial peace University in was instantly hooked just as fast as I took to the gym years ago. What,
domain and got to work,
yeah you, you had already figured out through your weight loss in everything and your your career
something else that you can count
the guy your mirror, then that wasn't a revelation to you. You just have to apply to the money peace, yeah yeah. I just haven't done it in the financial side of things before so it was a somewhat easy transition. In that sense, yet
ask because you, U shared, really compelling how you went back a little bit on the weight. Did
have it happened on this debt for journey, or were you just laser focused and you never start where you were kind of like a wood shepherdess thrown logs in their air? Was it was whichever this time round for the for the debts? There is really nothing stopping at the end. There is only a couple of times along the way were I just felt tired, but never never, never, really wavered and went back how many hours you just described for US pizza work at a golf course. Humming hours did you law? What was the longest week at the peak of it? I think I put an eighty five eighty six hours and I was doing consistently eighty very
urgent to have understanding and patient friends and family, and my wonderful fiance who I met. Actually during that time, how does he would get any type of online dating and worked out? Ok,
good for you, man, that's going on and waved and went on to your next job is what we had to get creative and finding ways to find time for each other but which we made it now we're here and now. You're formation feel to be free. It's incredible! I guess it's hard to describe honestly. Will you where you go back when you add this back,
while we go back into TAT, Nelson, never good. I'm glad to hear
you're here. Oh man, out of you very well done, thank you very, very, very proud of unusual excellent, excellent job. So what are you tell people
key to getting out of that is
you know for me. It was honestly just letting go of the idea that there was a magic pill.
silver bullet or White knight coming to save me that there isn't there's, no
but you in good old fashioned, hardworking
you gotta, put in the time also find
important and making sure that they remain a priority during that time. I was working eighty hours a week, but I did see
girlfriend at the time fiance now and made time to see family and things like that, so very go off
balance right very weld on my world on very well done excellent, excellent job. What was the hardest part the hours?
yeah. I was tough line, so
as the relationship with with Bree grew
sites like to get her not getting over kids more and things like that, and then they are so
We want more time with me and that's when I knew it was time to quit the dominoes interlinked
little girls at home, wondering Winton was gonna be around like ok, we're done with that, but so the lad.
Couple of months. I it was just my teaching salary them that we did it with. Ok, that's cool
Well, when you can see the end its easy to make some adjustments here and you're gonna bust into it till you can see them very well, very well done goods
May I thank you all. We got a copy of the legacy journey for you. That's the next chapter in your story for sure to build in Greece.
hold new legacy with his new marriage coming up and everything do you have a date set
not yet. This is actually very, very recent proposed on my trip here. So do we actually went Ruby falls and yeah Chattanooga Beauty mortals proposed down the cave and endeavouring in time this wasn't plan, but, unlike I'm, never gonna be able to beat this moment down in the cave.
by a hundred foot waterfall. So I decided to do that and we went ring sharpen the next day. It's great congratulation, congrats excellent! That's part of the ring shopping thing was, I told the gentlemen them there's gonna be under show and he started it
about in he caught himself as he was explaining like financing options,
May I ask you: out of there is going to work out a better one, very good
I'll do? That is fine and we got a copy total money make over for you to give away to somebody as well so legacy journey total money make over. Thank you, man. We procedure very well done.
proud of you and congratulate thanks for a thanks for making us part of your whole story here.
Story. I appreciate his neck. You very cool our item from the Minneapolis area. Seventy seven thousand dollars bite off in third dean months. How eighty hour weeks,
forty nine thousand to seventy five thousand during that time, and now is for
can work well, however, he wants to work nowadays, Canada.
let's hear a debt free, scream Rio, three, two one,
That is how it's done right there.
it's it's almost as if today our theme has been hard work, loss or all three hours today we have seen examples of people who have done it and examples of people who,
couldn't figure it out
I want to try it don't wanna work hard
This guy man he's a machine and Toronto,
access to look to look Earls Barton Account on him. This relationship is growing and says I am dollar back now from designed
so the finish line and get on across the Finnish,
and that's huge. It's really huge. What you see there is the the commitment to
future desired future and then all of a sudden-
the relationship. Peace comes India's a camera dollar back.
And I'm still gonna finish- I might finish a little bit slower time if you will
matter so much because of this beautiful relationship and those little girls, and this is what it's all about it so much bigger than us.
Money,
holds us back,
from really the desired future that we all want, or what an incredible story, what a he were a five hours at his top. We address at Barcelona Gazelle. If there is a gazelle, that's it has given a love it. This is the Ramsay show our structure that I feel a b and for six, don't worry about anything instead, pray about everything,
and musk says when something is important enough- you do it even if the
odds are not in your favour.
a man and amen got good stuff open?
a triple eight, eight to five five, two to five whitneys weathers in LAS Vegas I witnessed. How are you
and why are you better than I deserve? What's up thinking
You may call so I'd. You should a question time gets free. Besides my mortgages,
she kept by the house,
I contribute I imagine
the need for one k and I get started, go on contributing to our irish girl, and I was wondering if Europe with bill your with orders, you know of the act, a corns I've been also putting money into that, and I was just wondering if you got that, if that with good, if you ve heard it
think about it. If you would suggest doing matter now,
the premises that its small amounts that go incorrect, he actually
It can round up, like your bank account, but I also putting money. You know a couple hundred or if I have extra, I try to regain button. Is it
now, something that would be good on. I feel like it is just like in Essen, p right it just out of the market
but you're not put amount of money in there that it matters. I mean I've got up coffee cup, the an old coffee cup that shit
Oh my dresser and put the chain:
my pocket in it
It's not gonna, make me ridge right, but give it to me
kind of girls- and now I done its homework me is just love- is a coffee cup from a change. What
We riches what you do on the other stuff when you're putting thousands
of dollars in your for a one k in Europe
the Irish not
nickel and dime round up right, ok, so journals,
kind of just like its others broke out here.
Because it's a small amount and if you put a small amount even
did really well, it's gonna end up being a small amount that the only danger where there is it makes you feel like you're, actually doing something right
and that's laughable do what you can do,
like what the smart investor pronoun learning like that mutual funds that you want to put my hour into investments. You need to do real, investing and put it
us put a substantial amount in what would you say that
substantial amount anyway, you're putting fifteen percent of your income away and your baby step for right. Yes,
so you would not put more away now other than
college unless you ever more? If you have a mortgage to pay off the other mortgage to pay off
did you, then you need to be putting all extra Nicholson dimes towards the mortgage above fifteen percent of your income towards retirement outside limit
This is not just Dave Exhaust baggage that
reason that I'm telling you that any of you understand the reason that it would be helpful if we did
largest study. You probably heard me talk about a thousand times ever done.
On millionaires and North America overtime,
thousand millionaire surveyed the typical
plan that came out of that was the
vast majority of them. They
two major components:
coming millionaires.
They were investing steadily at large
of their income, like fifteen percent as an example
to their moral one. Kazan, Roth Irish. This
in saying that it was they paid for house
or to item added together made up
over a network of over a million dollars for the vote
majority over eighty percent of them followed that plan
ten thousand of them that we interviewed the number that said that they became millionaires because they saved,
Nicholson dams with apron
precisely here- oh ok,
What did you say once that? Investing in your following k, you should only go up to what they match and then you do and I are re you should do if you should do the match. First. Roth. Second, traditional. Third: there
for a one day ever Roth option
then you would do you're fora? One k with Roth, take the match. If your forward
before I won t, have good mutual funds in it to select from.
That I dont know, I would have to look at their good mutual funds, you max the whole thing out and if that doesn't get shit, a fifteen percent.
then you can reach over into a Roth IRA. In addition to get you up Tom, fifty,
percent of your income, but the best
you can get a match. The next best thing you can get is tax
he growth, which is Roth, the net
best thing is tax deferred growth? Ok, some
ouch Beach, Roth Beach, traditional
exactly! That's letting you know, take that match for sure and and
then look at the mutual funds are decent mutual funds, just load that for one came up,
what is your income? It sales,
various but ninety care one than you could you could be
with your fifteen percent than in a for a one cat. Ok,
You don't have to wait. You wanna average over the Roth. If you're fora, one chaos, good options causing, but fifteen thousand
for one day allows Upton? Nineteen thousand some strange this year show your your fine yeah. You can
that's all right there and I imagine you ve got decent options and that for a one day most of them do now. There's a few amount.
We run into our lousy mutual funds, but more field, a pretty good job in a decent selection. There, the four types we talk about: growth growth in income.
Shook up, but you really need aside investment fund. You need be thrown or sat dollars. It's a mortgage! That's my point.
It's a distraction, David's good marketing. They ve made people think all this is really wise and you're, just not the aura. Why? If it becomes a distraction? Well, it's you know. If you plant a few colonels of corn, you're gonna get not much corn right there, you go if you plant a few icons, but a bunch
You're gonna get a couple of drinks, but if you want all power ass boys and girls, he thought the tree form you better planning
money, entreat Forbes gave a wire a friend of mine, a mega wealthy. He bought tree forms years ago. Told me I was an idiot for not doing any is looking like. A genius is growing gold bars.
Out there that gun lobby,
it's just a metaphor, turns out regular gold bars with branches suddenly on just remember, prices are, oh, my regret his guys that determine what he was already a billion irony is twice over, not just cause of stupid trees, unbelievable him so mad at him. In such
I'm so proud of him, but he didn't make fun of me and now he's really proven that right when I made a fine, I made us just, never forget it, my heart term! It then, I must say forty Michael, is in Boston. Michael welcome to the Ramsay Show he did.
certainly on trumped up
It was a question on tackling these that sticks.
so I recently paid off about he felt. Nor is it that, when he finds out, thank you
twenty five thousand miles to speak. On the end, I have close to fifteen percent of my income fence. Forget you forfeit, came to tell.
Therefore, like a cat,
What I'm looking at new subsets my mortgages like this mass and things that I just gotta, wonder: nineteen and the thought of pudding,
everything in their wake
years to do
last night and Russian, as do I want your income
I make one seventy way to go
what's this more poorly
Ah stop your wine, and do you can do this? You could totally do that. You make a hundred. Seventy thousand dollars
when you want to do some sort of thinking. Fund for unknown expenses are worthy of an unknown. Exclaimed, make up seventy thousand years,
the guy.
You're so awesome
go mainly due to the answer. Well, yeah. Ok, you're, not right now.
she go Mercer supper? She got work with you.
What does she might fifty
we gladly remember, you're a quarter of a million dollars in your you're, not even thirty year. So I guess,
at an unjust put just how seriously seriously a hundred thousand dollars a year before you.
done. This is
exactly overwhelming, and then
but everything and then you'll be dead, free and you just might be making a quarter million dollars and become unbelievably wealthy and on board
more generous.
and if you don't know, a hundred thousand arguing only do seventy five thousand is contact you five years. Where do you really gotten
This is very, very, very doable. Your stud act like it
You got this
can't get show that you are always one James Childs Great Show Madison Great show, I'm diver am sure your host, 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 walk daily. With the prince of Peace Prize Jews have a friend or family member the needs of daily those Ramsay advice in their life. Let them know about the rams. We call the day pod cash, its appointment of advice about life and money under ten minute check out the Ramsay call. Every day ever you listen. If you're looking for fun and practical ways to save money in your everyday life, you need to check out the Rachel crew, show a pod guest from money expert. My daughter, Rachel crews, guys it's rates of crews, and I'm so excited to tell you about. My party has a lot of you following paintings: paycheck their end ass. You don't even know where to begin that they have this. Need this money to get in control of their money and if that's you, you have come to the right spots. So in Egypt, the salutary gets a time of inspiration and practical advice. Not subscribe to. The rates of crucial pod cast makes rejoicing at your more from the Ramsay network, including the Rachel crucial. Wherever you listen, the pod guess pay its James.
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Transcript generated on 2021-12-23.