I- on the headquarters of ramsay solutions, if so ramsay show where that is dogmatize king in the pay of mortgage, has taken the place of the medium w status symbol. We'll people build well do work that they love and create actual amazing relationships makes for joining us we're so like Lukas weathers Jackson viciously starting off this hour. I look. How are you you had already are great. How can get common I'll

I'm currently in a job I'm trying two years old and I've been in this job for about two and I could we found out that I'm not really passionate about it. Why Well, I'm in the I'm in the one in liquor, industry, I'm a sales rep, and it's just some. It's pretty difficult to watch people coming in a store. who already have a political life and walk out with your products. Hard thing to deal with hardly that happening, so the values disconnect yes her care, everyone that, logs into a liquor, store and buzz wise, not having a bad life. another, but it is the one letter pretty arm pretty poor area, and so it is a wonder- coming off the streets like just just pennies in their pockets come in and the cheapest things on the shelves just to get a just to get a drink. Why'd you get into that. Didn't you work in a liquor, store or you're a salesman for distributor. I must

and for a distributor, show how you dealing with people coming off the streets. Well, so I gotta go into the stores and and and talk to the people to trying and talk to the liquor store owners to try and get them to get my products. What's a lot of them? We have from high end products, but a lot of amr are to target those. Those cheaper custom where's better just trying to get a quick drink, LUCA I'm just curious and I understand all of their seniors very personal, for you of what I'm curious about is how well, how did you make this decision to get into this two months ago, well Well, I I wanted to originally get into medical device bills, much the difficult field they get into without felt experience and firm My original intention was to just try and get my foot in the door for the first couple years and just get themselves,

under my bell that I could then movement that other arm but other field, but it just right now it's it's getting pretty difficult. So do I get going cause? It's just a it's just a moral thing! Sure I get it, but you took this opportunity just because it was. I need some experience. I got to sell something in this presented itself. He jumped into it that's what I'm understanding I so here's the deal stop over thinking as you go stay in this role, you gonna have to do so. get up a little bit and and you're not doing anything. Morally wrong understand your feelings. I dont want in any way discount what your field convictions all it. But the fact is you're not do anything wrong and so sit still and keep doing the job and too you find another sale shall replace it with that's the advice, and I appreciate what you trying to do. Get some sales experience somewhere else, but now You gotta, learn from this and go away. It's like I'm, not just going to take any sales job. I need to make sure that I'm going to sell a service or product that I ok with any can over think this

Iraq is again is wrong with you, distributing alcohol or selling alcohol, but in your situation this is very personal. So I went over think this. Let's make the move How I you, how much are forty five dollars? I shall find ourselves job megan forty five to show. a thousand dollars shunning jump, you're, proud of and then change as what counts is right about that. get in proximity. If you can, if you could get selling something that's near around that medical field, I We try to look for that first, you understand what I'm saying cause it's connections, nerves point not just spirits were connections, and make sure that, as your doing that you're taking on something you can be proud of Everyone in sales needs to remember it's very difficult to be a great sales. Persons selling something you don't blame him. Yes, as not the thing that I've been I've, been struggling workers

I call on both sides of my family, from both my parents sides. So it's that that's been part, is just not relieve arm. Karen, I don't really believe in the products that are now and I'm sullen and I've been there Martin is awake, they ve got an opportunity somewhere to this presents itself, don't take it pressure of something else, because that you had red flags before you took this year. Two months, aunt shaw. I know you did and and now. It's manifested is actually worse than you thought it was gonna, be in terms of convicting you and you know your your morals or saying ding, ding, ding, ding, ding, ding, no larger gone off get out of here. Show ya go far. Something else assumes you can and then quit, but don't just quit every time you have a adversity, a situation. so again how much of their six years from now. I don't want you there's six months from now, you you're to build a via sales job. Doing that show

don't doing something that you actually believe in ok here over the years we ve developed, we develop products, books or software or apps, or clashes or whatever, and one of them biggest challenges is to make sure that that there all proud of what were putting out. The incident were not proud of it. We can ask any body, including me to suggest it to someone cells to someone. That's what sales is jesting, you do something right and high. You can't suggest you know, buying a car if you hate that brand and you think that brands we should crown and then you're gonna go to work for that dealer so yeah? That's that's gonna, be a problem, you so don't don't take a position where you're not proud of where you work so true in space Finally and sales,

because sales in a period even made him but its very difficult and very difficult sales because yearn evangelist right. That's your role and people can fake it in a lot of fakes out there that that hitler sales numbers, but if you, a person of conviction- and you ve got it a true ethical code. You will where you down, if you can, get excited to the point of view evangelizing on behalf of the doctor. The service it you're selling is absolutely will cripple you just will judge is very difficult because people can you hear body. Language changes, the throne changes your facial expressions. Hang all your nonverbal are just not there Do you know when you're doing that and so on. I mean if you're, showing up in his case, aim a lie of whisky. That is, you, know the bottom of the barrel, no upon it and harm its design and to take advantage of the homeless then.

Not going to be fired up about that yeah? You know the drunk homeless guy right show you're not going to jump. You know, but nobody's gonna be excited about that, and now you know, but So you just gotta find a way to the thing you do that is not I know you're morals or find something. Period. That isn't but don't be just two months, jumping out without having something to jump through that wet. That's right, both first thing I said: will take you can stay put. This decision so gonna be an adult. About this until we find something to replace our income, you don't just say I don't like it. I can't do it anymore and he would say that, but be careful in welcoming there's a that's honourable work. You know for a lot of people for him, so they could fit exactly

this is the ramsey show the

The coleman ramsey personality is my co host today open phones of aaa eight to five five to two five. But thank you for joining us. We're glad you're here, open phones that tripp lite eight to five five, two to five we're halfway through august. Can you believe it next week, store, will probably ever freakin christmas sale. That's true if all means planning to go, broke until tat season make this year, make this year, the one you say: no, I'm not going to do that. Enough is enough, de ten dollar sale as back for a very limited time, if you,

To say enough were here to help you and our team is stopping their we're gonna help you your money worries I offering free financial coaching with any purchase. You can talk to ram. She preferred coach about your If money question and are you ready say I've had it and then you can learn to say. I've got this. We know tat. Bucks can't get you much these days, but ramsey ramsay can any one of our best selling books as on sale for ten dollars, a virtually Many one check him out. at ramsay solutions, dotcom our question that I come from blinds dot com. Find out for yourself. Why blinds dot com is the number one online retailer of custom window coverings? You get free sample free shipping. promos. All the time use the problem. Code ramsay to get the best possible deal. Today's question comes from kindle in California, just graduated high school, and I am wondering if it's right for me to go to college this year, my schools the two weeks and I have a full ride. I would bestow

economics and hopes of going into investment banking this past year. discovered I've a knack for drop shipping and are making sixty seven hundred dollars a month in Prague. but I'm seriously considering withdrawing from college. But don't know if that's the right move. Well, it's loaded and I don't have the opportunity back and forth there, but I am always gonna look at the long term, so the law long turn dream if you you want to go and investment banking, certainly the economic degree is gonna help. Think it's a good degree to have. You got a full rights, That's a tremendous opportunity! The lot of people don't get I'd, be taught with mama dad about long term, and this sixty seven hundred dollars a month is probably going to grow in profit. That too, it would be I'd, be saving up for big life expenses, the house in investing long term, so I would not drop out of this path of care, college towards psmith, banking,

because you're making so much money with the drop shipping side hustle. I think it's a great site also take a learn a lot from that, but this is a big it sure decision- and you need to surround yourself with wise counsel and make the brightest based on the long term. I don't. of more. In that question david love to talk to that young man in person. For the long term, just graduate moscow. Sixty seven hundred dollars feel like you're, rich, exactly you're, not rich. Sixty seven hundred enrich you're, not rich, you need to go, get back, and I wish to grow and become an investment banker, then you get rich, but and in the meantime, while you're gone and getting the degree go ahead and work the dropship yeah, it's fantastic. You know I don't care if you make ten thousand dollars a month out of your dorm room, doesn't make me mad. That's good What's a great hustle for a young man straight, I can ask you, but dont can use the short term cans exactly right with a long term play just because you feel rich men

I want ten thousand dollars on the lottery of dort year, you gotta work, etc, you're, not rich, and so that you should know that work. I've done and on that that's the thing so yeah over the long play where it's going to take you where you want to be when you're forty. What's going to make you what's going to the in another forty year. Old version of view is not one to kick the eighteen, old version of use, but for doing some stupid think about when you think about that guy who's, that guy and where Is he going to be happy with that which ones he going to be happy? He did by august. So I think you do both go to school and keep her on the dropship drop it not carrying inventory yours you're, just come near, manipulating the ah the wholesaler with by or the retail buyer and simple blog the middle and that's all you're doing so? Is it sam? If you got then working that. Well, I think you, still pull that off. Thanks for that

thanks for the email and we appreciated Emily's weathers in casper wyoming high. Emily. Welcome to the They even can at the pleasure to speak with you, you drew. How can we help calling for strategy first starting to withdraw from or five twenty nine plan. Weren't baby set seven and are older starting college, and then we also have a sophomore in high school that could be attending in three more years. The current value is thirty, seven thousand, but this path december evil that fifty thousand we are prepared ass flow about half of the expenses, but I'm wondering about strategy one care we you, kids, one nano college half would have bewildered no half monthly each year so for her total expensive were prepared to if we need to we can cash, will half of it and withdraw from

five. Twenty nine for the other half just to leave in the fund so that we can- and I will leave it all in the fine cash for the whole thing. What are you, what are you spending on school. it'll be about fifteen thousand year morty alma, when twenty I don't have a payment in the world, your baby step, seven, credit. Okay, you can cash flow fifteen thousand a year, then yes, yeah yeah. I would leave the thirty seven for the second get and let it grow tax free and then just pay. This one can pay for this one and had made it doesn't matter. But you know because here's the thing that the group both in the five point. Nine is hundred percent tax free, the more of them you get tax, free that you did I'll do anything for except parking. The money is good.

and so leaving it alone as long as possible. To get that is much tax for growth as possible is free money. That is illogical. It is the I'd. I didn't think about that. I just thought we would start withdrawing. Do we still contributing or we just stop contributions and then learning grow tribute beyond what you think, you're gonna need for kid to you're. Gonna cash flow, kid one. Ok, I would contribute up to kid two's limit. I mean if you don't fifteen thousand in your four years, as sixty thousand you got thirty nine thousand now, once that thing looks like it's, be it sixty by the time kid to gets there I'll, stop, adding. yeah as December we were almost there now show it could come back to that pretty easily saw, no, I don't think I believe the ocean it and they are The flow one and if he doesn't ever come back, then you're gonna cash flow power get to in an empty the thing I don't get too, but I suspect, He's gonna come back.

Yeah and then I guess, we could also use it as an emergency fund for education that if we did have a month where we had You see we wouldn't have to dip into our emergency fund when exactly inter item nine, if needed, now you're gonna cash pinch, because the timing of a tuition payments. Do you were shot me reach of their grab? It of course, the other thing is how to kids go, get scholarships of any kind. You can withdraw up to the amount of the scholarship from the five points, with no taxes at all. Ok so they get two thousand scholarship block two thousand bucks other and put it southern ocean Andrews if you're going to run, use out there, but it's completely tax free, to do anything, there's no, no obligation that it be spent on. Ah education at that point. Not your problem. You you're, not yoma, got too much in there. You got too little in there, so yeah very cool, very good. I'm glad to think through that with you. That's very interesting, show

so like. I gotta go unaffordable school good school. You good bye at fifteen thousand year, for I lie for years, sixty grand! That's all that's apply it, and you know It's going be interesting to see what shakes out of the next five to seven years for and set are listening with younger kids, the the two in game. I think he's gonna change. I think it's gotten over heated just like a lot of things that our economy and of idle having dixons. Here I'm just saying, I think I can be very interesting to see how the work of college tuition and higher education ships over the next five to seven years. predict area is not gonna get the memo. soon enough?

Well keeps some of them from really taking it on the chin yup, they sit in their lone little ivory tower, no pun intended that's right, arm and and too many of in that world have not woke up and smell the coffee. Yet tuition rates cannot continue to rise. It's no asked and people are no longer willing to pay exactly why you won't. You won't charge me the same and me sit at home because of your masking policy on covert, and I don't think so. It's called online classes they're cheaper, but but this is the ramsey show the

gentlemen, coleman, ramsey personality november shelling author is my co host today. Thank you for joining us. America were so glad you are with us bill and sherry are weathers therein for myers florida says almost grain, you guys are bad free, congratulations, Thank you wait ago. How much did you pay off? We pay four hundred and thirty, eight thousand eight hundred and six dollars and thirty two cents wow home under the tag wailing thirteen years ago, I wanted to be on a show that let others hear a perseverance story. I hear ya good for you. And you're a range of income during that time, we started out as a rule. They a manly, quickly, grew

at about eighty and were currently certain about to twenty five. Who would you for a living. Well, I'm an elementary school teacher and I work for siemens. I'm an electrical sailed engineer for them very cool. What's our house more than- I take it, you write off your house: oh yeah, absolutely way to go weirdos, I love it. our actual and howled area, city and I watched this house worth well wasn't just the house. We have a strange story day. We we get started in real estate. A little bit like you back twenty eight and thirty years ago, but we had subscribe to this mail order, real estate course, captain carleton sheets down guy member, whom I remember Carlton the owner. We're doing anyway, he was like by this one, an embargo permit and by the next once we had ten apartments,

we paid off a motor home ten apartment and in our home or home in florida that we live in now, for you and all of it frankly dream here too lightly. What's it all worth? Oh, I guess all the has together would probably be there. Two million. Why it again, guys you love had excellent by Steps millionaires well done well done good stuff, and I'm so proud of you good good work so what put you on this whole Ramsay way of doing things. Well, believe it or not in them back in o age, we had one of those life moments ass, his wife, one always have an emergency fund. We demand one. We had all these. Parliament's opinion on these apartments and, if there's a vacancy, it's a real problem now but I was doing great in my career, I I was having a great sales in sales year. My wife was teaching. She, as you know, are the gun in the high school I'd like to be home, so I can be involved and that I should do it myself

having a great year. Well, you know what happened. Six weeks later, I was laid off. Oh my god. We went all the way to the euro and I want to share his teacher friends. Militia Waigel gave us your book and I in one night one sitting am I should chief, I wished only some high school. Why should we do a lesson we took off from their mile? so sure you'd and had to be talked into it at all. oh, no? No, I was like. Oh, I am that thrifty shopper we find in shops, and so I was all on board to begin with. I wanted to get out of debt and and start a free life. I love it. good for you guys well done well done. What are you a job Will the kate persevering for thirteen years is in a certain way and you gonna get that budget am talk about once a month, even if its painful, but you gotta review,

we gotta be in sync with your spouse, my wife and I still don't have the fifty dollar rule. I'm hoping that'll go up here soon and we don't let either the person stands fifty dollars without checking, so that that seems really helps phillip. We got a diamond on. I would share your. How do you feel about raising the fifty dollar limit? He brought it up. People want to know. Listen, I'm still very conservative. I like to have enough dagon and no it's there for our future and not to touch it and I kind of how to keep him on a budget that, doing really good. I have to say that we're both kind of on the same page, not so important sure you got two million dollars,

nice to be one hundred needs to be one hundred dollar rule: okay, yeah, maybe we'll go up to one hundred while a little get a bill. You owe David Iola by the way sure you answer that one. Like a politician on a sunday morning show yeah, you guys are fun very done very well done. Ok, so far, Thirteen years you persevered from that Z road. Both of you look at equating you losing the job. We gotta zero scarce, a crowd out of for thirteen leaned into this. Now, when you look back, was it worth it? Oh, my god. The feeling is absolutely incredible: god is so good and- and we are just very blast- Similarly, we weren't time, but I wouldn't have changed at all when a girl, well, I gotta tell you, were proud of your pretty amazing. So

couple million dollars or the real estate there and and and net worth in excess of that and a good household income- and you know you even sixty, shall you got lots of town to enjoy this lots of good duff ahead very very well done so. If you had to do over again, what would you do different anything? I think we would have stirred offer. We were like twenty five, got married, yeah. Maybe we wouldn't have had such a huge wedding, maybe you and about nothing ground, martin ray. Maybe you and about nothing down apartments That's right! We now, while good. Are you guys good stuff, good stuff? I would get a copy of baby steps millionaires for you. You are one and that's very, very cool one year: membership to financial patient oversee for your use or you can give it to someone who runs into your story in his inspired, and you want to help him same thing with the total money make over book.

In people now read that bug. Well, I mean people bought above we think most I've read it so on so I got way, to go very, very proud of your excellent excellent job bill and sherry fort myers, florida, foreign and thirty. Nine thousand thousand apartments and everything in ten years making zero to eighty two to twenty five km Baby steps millionaires: let's hear a debt breeze, groom three two one work. That is done. Well done, you two very, very Well done man, So there is a principle here,

of diligence. The bible says the diligent project diligence is excellence in ordinary over time doing it every day. Well with, and they prosper has posed to where they commenting on Tik tok quitting warrior cry. Acquitting wyatt quitting like at work and not working yeah. Is that the idea or the ideas? I'm not going to do any more than is expected of me, I'm just going to do the bare minimum go home and not going to get It ain't! No, I would agree with that. If you signed up for a forty hour work week and they're trying to work at eighty hoosier, You know you're like ok, I'm going home you you know at five because we go home at ramsey mean we closest place down and er. We go to humber our families at night, but we work hard while we're here. If anybody quiet is waiting quietly quiz.

while they're here during the day of quiet fire them yet it'll be very quiet. That would be quite I love it. I would bet would like it or not working while your work, that's called lack of diligence oh yeah lack of inheritor candlelight stealing, but I can't tell some of the stuff seems to talk about that, like don't, don't work while your work like some kind, like I, want all arranged earlier to go. I'm a millennium or whatever I am or ahmad ever some kind of snowflake error. I don't want to work in pay me anyway whitish viral, but I can fix that, but it. But if you just, if you're instead saying oh, I'm going to do the work that that we reed I was going to do and I'm not gonna work. Eighty hours weak than that's fine, goes out and asks it worked to work eighty hours week here. We don't do that Occasionally we have to give some messed up, we gotta get. We get some number it's a short term. because the small we have to get bar worked, but this

that I'm gonna quietly, not work which a lot of people are doing that anyway. Sittin on facebook account while their work and unless you work and social media. That's not working well blood in that's diligence. Link has on the other side. This call logistical diligence. Steps millionaires versus average gourbi average mediocre quietly quinn. This other amnesia.

the power structure of the day, romans fifteen thirteen may, the god of hope, fill you with all joy and peace in believing so that by the power, the holy spirit you may abound in hope, Bobby knight. had nothing great- was ever achieved without enthusiasm. That's a truce, while goods Can common Ramsay personality is my co host today, ISA again coleman, show now heard over seventy five radio stations and, as a podcasting youtube show audience ink seeing every single month. To that show lots of unique tuning end about and talk about how to find career work that matters work. That gives you

a sense of joy, a sense of traction- and I also check out his number one by selling books, including the product. many principle and pay check to purpose the big dog, but It's a help and a lot of people walk through the seven step process to finding work and doing work and giving it a way that they love again can Oh, my. My co host today open found a triple eight eight to five five, two to five show. It is with us and wisconsin high concentrate our are you good. How are you better than I deserve? What's up, I am twenty years old. I am I have my second child up in April I'm trying to go back to school to find a better way in europe. I have a couple options: untrained for an operating engineer

one of the options is seen here where I am and just go into the textual and get my studio, the other would be going down. The sun prairie poorer, eight spool. That would cause roughly around ten thousand alone more than ten thousand dollars coherence? Financial aid robbed in that. And then the third option is being age apprentice, but Do you believe that would be travelling if the if the apprenticeship opportunity did involved travel? How open to that? Would you be let it still paid be very open yeah. That's what I heard your voice. I'd get absolute clarity on that day. Was that just the way you said it with your voice? Or do you not quite sure you ve heard something quite sure how much travel, if any involved, I'm not sure,

I'd find out. Let me tell you why, because a how you reacted, that's the best option for you in your life, but I also love of the opportunity Are they apprenticeship of this is doing to things for you Sperience, an connections and you paid for it? I really like that option. Do you have any cash set aside for the other two options. I do not. I, when I just got odin brand new job start that, like eighteen dollars an hour, so let's go in for me, but nothing so far. What does besides your heart hurting? wood and being away from what I mean by that. Is you ve been away from your wife and one child, the other one all away? What, besides that? Make The apprenticeship with travel? not so desirable for anything else. Besides I just Not knowing you know, I do,

car that I'm still paying so not knowing what gives. what it all involved in or not yeah. So here's the deal I want you assume his phone calls over at least make a phone call, an email, git Information on this, because if this apprenticeship pays you seventeen dollars an hour or more and it's got involved. Som travel away from wife in the little ones in their so little you'll, never know I'm gonna, tell you of the three option. I've heard it's the best option on the table. I understand there some sacrifice involved, but that's all the journey organs sacrifice one way or the other, and you don't have the money to take the school now anyway, and we don't you to go into debt for it. So ear you're going to sacrifice time bites even if have to work harder, stack up the money to pay for this path, verses Paid to be trained, and until I really would look tensely into what would it take to win in that

princess ship? Okay, another browser, that's exactly what I wonder and what are you making now So I dont know love coral, but I know it's like and sometimes even in your the seventeen now twenty nine nor I'm making fourteen now ok walk out on its own. Is it your signing up that? What is it you want to become an operator? What, operating engineer, job premises. As I drive the big old like construction equipment. Oh ok, yeah! when I do that, the cheapest possible way in the fastest possible. Why just get trained operate the equipment whatever? That is and on that some some good money once you're certified right, yeah like

kind of money, once you're certified I could be making. I do believe, like thirty six dollars an hour or more yeah, okay, yeah, alright and Well that that's exactly what that's exactly what you do you get the bastard least expensive way with the least trouble. So like my arm when we want, I graduated from college, my wife liked four or five classes finishing her degree. Moved away from knoxville, where we rynch girl to nashville in those days the odd Knowledge in the area mp issue didn't match up with her one was semester almost quarters, and it was gonna end up taking a year and a half hour to finish what was otherwise three or four classes discovered she could take the three or four classes if she went back to knoxville for six weeks and we adjust

our first child, and so she drove to knoxville every week in without my brand new daughter for six weeks, She cried and I cried more every time she loved the driveway for six weekends to class six week put the kitten they care for six weeks to finish the degree, and draw barriers the longest most horrible six weeks ever, but in this open my life eroded amount of it was worth it we shock, revised for her to finish the degree and it did not It was not a degree that she needed to finish to be able to the career that she to to do and are you not, but it was the best way shot but you hang on for a second here. I'm getting a call in brian's in orange. Borough looks like he's got them. Advice and can may show Brian. It says screen, you're an operating engineer and you ve got advice for shade. I

our brain engineer at a local one. Eighty one year old, Henderson, Jackie I live in owns were all but had been an operating engineer for twenty two years and my best buy you. Young man is take the apprenticeship And in the operator union can com there. It is, ladies and gentlemen, good I have been dying had been dead. Three. The I eighteen year long, while what are you might get an hour right now are different contracts are different. I just the dog mega. Thirty, four eighty an hour, if I were in southern indiana, its thirty seven boarding our and I usually average between right now. Between ninety in a hundred thirty thousand a year depending on, because I also runs right ass, dick, while good for you

Well, there's advice shade from a guy. Who really does it? You can't be that now come in, and I love that come in and give us your video there's a guy in a field such as do it, so your instinct was correct, can will only because the apprenticeship is is really what the american economy was built on number one in its just simply. I get paid to actually get experience now and that's the best of both worlds. Yedo, because you he's gonna, learn that apprenticeship. If you want to sell, rose to go to work for a high producing rails myself, person as and get their coffee, yet that's exactly right and learn how to do it for create your own apprenticeship is what you're suggest exactly yeah. I think it's the. It was the right route based on those other two options, because he's going to spend money to sit in a classroom or he's going to get paid to actually get in the truck yeah. And you don't owe me like, if you just think about it, the need the old days. You know you lived above the the shop the guy. You worked with other blacksmith right away out of a thing out aggrandizement deal, but but this is

here I mean oh yeah, but the apprenticeship has a real opportunity. Today's world, it really has come about your trucks in on their major dodgers or whatever their good stuff. Very,

interesting, very interesting, good stuff. Well, that puts us our in the books. Our thanks to james to andor, zach Ben and austin in the booth. Can common good our I am dave ramsey. Your host will be back with you before you know it in the meantime, remember there is ultimately only one way to financial peace, and that is to walk daily with the prince of peace Christ. Jesus, the pope's kid coleman here did you know the ramsey show is one of the most popular podcast in the world. Get your daily dose of advice online check out. All of our shows from the ramsay that work wherever you listen to podcasts the you enjoy this podcast. You should check out other great podcasts from the ramsay network. Like Ramsay. Call us today check out our new ramsay call of the day. Podcast it'll give you a quick hit of advice about life and money in under ten minutes. Listen to the ramsay call of the day wherever you listen to podcasts, hey, it's james producer of the ramsay show. This episode is over but check the episode notes for links to products and services you heard about during this episode. Thanks for listening,