From the headquarters of Ramsay Solutions, broadcasting from the dollar car rental studios adds that day. Ramsay show for debt is DOM clashes gang in the pay of mortgage has taken the place of the Bmw ass, though status symbol of choice I'm day remsen. Your hosts to thank you for joining us, open phones, AAA eight to five five, two to five: that's triple eight, eight to five five, two to five: that's triple eight, eight to five, five, two to five cow, starting off this hour in California, hike our you cry dating

so much for having me I'm doing good high Rachel roads, is not here the segment. How can I now? Ok, I'm? I've just recently started in southern Davies that we ve got down that everyone has been. I have been hearing and we got five thousand dollars that our thieving that's what we decided that we had needed so now announced that ever Q paying off our debt and basically consists of my school alone but that still about two hundred twenty thousand dollars in school that I and a hundred and twenty five thousand of that's gonna, be forgiven for ten years now, if lawyers girl, no, it's not ok, You haven't a about eastern long forgiveness problem now I I do not anything any right it something I dont now. Ninety three thousand people have made application less than a hundred have gotten it out, so you don't care.

On that now I didn't know, what did you want? What does your doesn't even for two hundred and twenty thousand dollars, I'm a pharmacist. All let's go get somebody make an hundred thirty, I guess, and how long you been out. On ten year and its particular twenty thousand dollars on inform she'd agreement have anything on it. I wasn't military for the first five years, and so I was thinking of all or nothing father and they didn't. I met in pay for the farmers should agree it all now, I joined their after I went to school so you're out now, are you single? No I'm buried with too little one, oh good, and how much does your husband, but he only work part time, he's a full time. Gad Poker

Well you guys we're in the middle of a financial crisis, are going to have to an invite those knowledge in them and what that means is everybody works all the time by starting right now, Ready said go, and that means you are gonna pick up like ie are on the weekends and user pharmacy degree and add another thirty thousand dollars to your income, working knights and weakens somewhere else as well, so that you can start attacking stuff and you guys are going to have what part of California are you in varying in fact, a matter of that

Furthermore, doable. Thank goodness store, tough, so tough market in terms of expense, but area its might be yeah you don't even Santiago. That's a good danger would live in San Jose, which is a really good thing. So, ok show any. Why were you know? You're gonna have to live all nothing and increase your income dramatically and make these student loans go away, and so, if we start doing like fifty thousand a year on student loans, that it's gonna take you about four to five fears to clearly student loans, but that's gonna involve your income increasing in his income increasing and you guys are living on nothing beans and rice, rice and being

you'd only to see the inside of a restaurant unless your work in there. You are on scorched earth because I look at what let's look at what you ve been doing for the last since you gotta go what ten years yeah, what you ve been doing toward your debt may help you and what you did, torture that since then nothing you are. You have got the change. Something is not working and the more dramatic your change and deeper your sacrifice. The more dramatic your success stories going to be in terms of the speed of it, because the formula is the deeper you cut and the were you work, the more money is thrown towards this debt and the faster you get out. So if you wanna be a ban, it off slowly girl, you can do that.

For five years. I'm a band aid are fast guy, and I will do this in about two and a half years and then I'm going to sleep, but I'm not asleep much. During the first two and a half year, I returned banking. On that you can forget. But it has its being until I get my perspective, I'm sorry I wish I wish they were gonna, forgive it but they're not here it was empty. To confirming the programme the programming? when place, and you can look up the website and still somehow the same crap. It's all right. I guess I'd I'd been applying ere. I just doing. Aren't you all at the right time and then I'll give you approval? I just I just accept your information and move on and then what- at the end of it. They are not been forgiving them because their fight, Somebody didn't do something right, one time, you're what laid on one point,

at any time during the two years. Your baked, you know you don't you're not in falling into whatever category for any period of time your baked, and so it's a complete scam, and I wish they would just waved their wanna, give well sort of wish they'd, whether one unforgivable they're not going to go into. It's not gonna happen, so you ve got a count on you, not the government to fix this problem and that's what I would do if I were in your shoes, because we're pretty sure at this point Elizabeth warns. Not gonna get elected so year, student loans or not gonna, be forgiven. Barneys not gone. Do it it helps open, follows a triple eight, eight to five five, two to five, you jump and we'll talk about your life in your money. Brittany is whether in California, I Britain, I can, but I am sure. Hi, you I'm really excited to talk to you in Burundi, Myths Rachel, but I'm excited the question.

I have a question for you about I've been there before were also you know. One back up might be and I ve been working with a cater here and there and she's been kind of a man for me in Now that it has been said was school, you are out of date, you step Q, she's kind in the next year or so phasing out of her catering business, and the night parties that kind of money do Friday, because she worked for the huge winery in town and she works for specific department within their kind of doing their training. Anything in it? Had this business for about ten years and its really solid business gun would be greatly to kid. I'm and I just want to know we're going to meet with her then an endless more questions to ask because but she does, I worked with her eyes, Palestinians and out. I would urge all the technical and operating questions that you have already written down. You know the house can ask her what you don't know that you need to know.

As far as the financial part goes, the business is not worth a tonne thing it's worth really: here's its customer list and the income that that customers creates and that's about the only value to a business like this and so roughly four times the net profit after a manager has been paid. And so were high buying the business living in Tennessee. I would have to hire a manager to run the business like you right. If I heard you, the business. What's the net profit as an investor I'm going to receive after all the labors been paid, including the manager and so calculated that way, if she's pay and herself and that's all she's making. She owns is her job, but Emily. If you take a manager salary out ever there's nothing left the businesses no value manager, salary outlets, thirty thousand laughed about four times, whatever's laughed so be worthwhile

twenty thousand in that case, and that's how you can calculate the value about four times the true Matt This is the driver amnesia switch yourself. You their servers to pure talk, USA and save money. Jasmine from main said, I heard about pure talk, USA from Dave, Ramsay Pure talk. Usa is the best cell phone service. I have ever had folks all of pure talk. Usa plans include unlimited talk text and that and no contracts try risk free today all pound. To fifty say the key words Dave Ramsay and receive fifty percent off your first month. That's pound to fifty key words: Dave Ramsay,

You were joining us. America, Catherine, is whether in Georgia are welcome. To that I ran to show Catherine. I thank you guys. I appreciate you take in Macao. In an hour or both old enough to retire, but we still both counterwork sound panic and fear. Weary and sold all of our investment all Our aim and every day, so I'm sitting who cares that I don't want to put back into line say days or money market, how much wonder! If you have some recommendations from the same things that we can have some interest We just need a piece of land at our age, Now I know you have losing both regarding had I'm sixty seven

I'm sure you're, not a bad woogie at eighty it well we teach people to invest in two different things and that's all I invest in and that's good growth stock, mutual funds. Data pay cash for other are no federal guarantees. Only the where those rights we have real estate that we pay cash for were so what happens when it goes down a panic, Michel it but say well. The problem is not the investment vehicle. The problem is your credit.

Thinking skills and how your approaching the investment vehicle. Ok, the way you look at investment vehicle. The reason your calmer about real estate than you are about the stock market. A mutual funds is because you have more knowledge about it. You're you're, sixty seven and you ve watched real estate. Your entire life go up, it's gone down. A cup terms, but in law in general, every year it's gone up some, and so you don't panic about real estate is quickly because you're comfortable with its historic track record correct, that's correct! That would bid in the stock market for many years as well, and we enter a lot of it. And they often corrections Don T that wages star you usually work can get into the girls out. Yes, we did panic and end up paying. It came from the fire. That we are older and we don't have that many years we don't know what could have laughed but get out. Guido assume Bergen twenty or thirty years the law

Tom anymore. For Serbia to correct it make involves fear that is no longer thinking rationally. That's what the word means guy, and so loudly with I and so, and then you trouble pointed away rationally for the next five seconds after that, so it's one of the other. It's either panic or you lost faith in the stock market, which is fine. If you dont want money in there. I'm not mad at you about that. But my point is that no matter what you invest money and you are losing money at some time or another and you have to be think through that, an emotionally read through that, if you

All your money and a one percent savings account. You are losing approximately ten percent a year on missed opportunity and the investment where we call that opportunity cost, because you ve got money basically in a fruit jar in the back yard and you're, making no money on your money, so you're still have lost money. If you put money in the stock market, you have a more volatile situation that ninety some odd per cent of the five year periods have made money. If you bought in at the low of two thousand eight of sixty three hundred bow, it went all the way to thirty thousand dollar five ex. What you put the money in adding two thousand eight at the one

worst stock market events in history other than the great depression, and so you would have if you had written that out- and you probably did it sounds like you- wrote it all the way up to thirty thousand bow and then back down, but something about watching too much news. This time, scared you and made you jump out, but the statistical data on the stock market,

does not justify. I'm gonna lose all my money. At sixty seven years old. There has not been an event in the history, the stock market that would cause you lose all your money at sixty seven years old, there's not been one nowhere in the historical data, that's what you ve gotta! Do you you taking the risk of the market going up or down you're, taking the risk of the risk of real estate going up or down or making about purchasing real estate, which is actually more probable than going up or down it's pretty much gonna go up most people when they make a mistaken released as usual. It is pay too much for it and then managed well because it's a higher hassle factor to manage it. So you ve got aside In other words, you gotta pick your poison, because every investment has a downside, a one percent cd as a downside,

you're losing out on another ten percent you gotta had were properly invested. Mutual funds have a downside that the markets crazy and the start, and the only time the news reports on it. The only time the news reports on this one, it's down you never have. Them have an open tonight. When you turn on the television, they will be going stock Christ by then will we be what's on the tv tonight, the soon returned on when you get home? That's what's gonna happen. They never lead with God, is almost Bognor good. They never lead with that, and so you cannot use the news media as your source to make your decisions on investments because they are unreliable. They lie there a bunch of drama queens, because what bleeds leads they. Ever lead with. It's gonna be sunny tomorrow with a meteorologist as the openings,

vote on your local news. They own put the meteorologist I'll front as the opening salvo. If there's a bad storm for our common through Europe, dial up, that's what they put out from right and ensure its all about, because it drives ratings, and so you cannot listen. A drama queens Your decisions on investing you have to have critical thinking, skills and go the money and at one percent- and I know that if I put a hundred thousand dollars in their I'm losing ten thousand dollars a year by doing that are able to put ten thousand underfoot hundred thousand in writing, RO priests, real estate- and I know that gotta deal with runners and I've got to deal with repairs- and I will some money on that, whatever the Red turn on that particular piece of real estate, or I know if I put the one hundred thousand mutual funds that it can be worth sixty thousand or fifty thousand or never

story, but it could be worth thirty thousand by the way. If you had a hundred thousand dollars in there at the height of the market. Today, you ve lost dd. Twenty thousand bucks. I am lost anything unless you sold, because a guy ask Warren Buffett want Army should mister rabbit. You left me in dollars today, based on your start price, the structure, and the value going down a goes zone sell. It show that that you know, but if you wanted to on paper I launched, which will be a proper way of saying it. Today we had a hundred thousand dollars. I'll be down fifty or twenty grand opinion was invested in ravaging euphoria. One k is that the end of the world did you

Lose your whole retirement! Now you don't show you ve gotta, get out the drama queen business, because that's when you're panicked and as my friend ART Laffer says, people who were panicked and people who are drunk don't make good decisions, and so you don't want to make decisions based on irrational over the top fears that there is no logic or historical data points to support I want to make decisions based on that you will make decisions based on you know this volatility. Scaring me, I'm not gonna tell everybody It does not lose everything, because that would not be a true statement, but I just don't want to make this right anymore. Ok, that's that's! What we are saying and you want to get out, but I and I'm not gonna make were near as much money because I'm applauded and something where there's not thy volatility. If you do that, that's ok! You can choose to do that, but you choose

to give up the income off of your NASDAQ. The goose is gonna, lay little tiny golden eggs, little tiny, Gordon it it'll be they got an inch and that's what you're gonna get that's, why they call cities certificates of depression, get depressed when you get a check. And so you just gotta side you it's, it's gonna, get it one way: you're gonna get it the other. You ve got to decide, as Which emotional rollercoaster I want to take cuz you're going to take one of them. So that's that you know you got three choices as far as I'm concerned money, markets or real estate or mutual funds. I'm in real estate let thy love real estate and I'm a mutual funds of cashing, none of it out in a single decision in my entire life right now, based on the growth of our If you come up, I'm gonna give you a big old, gonna handshake.

You know lots of questions about the theft. Most people just worry about financial fraud, which is a big mistake: tax relief on fraud, for example. Out of control. Last year, the Irish paid over ten billion dollars in fraudulent refunds theme are stealing your refunds. That's why Sanders ADI their plan is the only one I've ever recommended or used. They cover all types of body after including tax refund fraud, plus they take over, all the work, if you become a victim and protect your kids for free on their family plan, gotta Zander, dot, com or call eight hundred three five, six, forty to eighty two

Corrie and Katy are on the line from Medford or again, hey guys, how're, you dare to their Dave, I hear you, I see you're screen free, congratulations, Gale, and how much of you paid off with data sixty eight thousand dollars in sixty eight thousand employees? dollars who belong to the state or outside it, took us for years and five months, and your range of income during that time. So we started at thirty four,

thousand, we peaked at ninety thousand, and now we are at seventy five thousand dollars. Would you know, for living. So I am currently serving in the air force and a military here and climate balls organ, and I now because we are that free unable to be a stay at home. Ok Rico show the Thirty five to ninety thousand was you both jumped in and took jobs, and then, when the debt was gone, you stepped back down, making seventy five. The inquiry is right. That is correct, now very good, That was the sixty eight thousand, the sixty, It was to personal loans that we add and then to credit cards. One card one hour be that we buy and then student loans is all kind of gotcha. How much YO only Harvey nothing? No

When did we? Oh? What did we started at twenty? Two thousand dollars will? Would you would you would you own a car fifteen out? Then I believe when we started Thirty seven of the sixty eight was to vehicles. Yeah and then are actually. I think the car was down the ten when we started and Student loans were at TAT, won t. Let me try for my connection, so the trailer was too three thousand and an Honda was fifteen, but never do but really the high part. I was twenty two thousand dollars while, while so why how do I normally you are you have everything what for years in five months ago that got you guys lit up I wanted to be as their mom. We have just had our first child and so and buyers. Your eye heed the plan of the sea.

About you in our head before we got married, but we didn't need to supposedly well more than when I wanted to be a state mom we got our it right now and we saw some extra money and then we decided on a whim one night we're gonna, born we when looked at those trailers and We went in body and secret, we didn't. Family. We then tell friend we just went and at it. And then we came home and told actually quite tad quarries, dad I'll. Never forget the look on his face. I know I dwell here. We go, They're gonna learn their weapon no wonder the when shed and we knew it was a mistake, but we did it anyway because we wanted to be like everybody else, though we it that trailer, which started like a kind of a spiral of bad things happening, and then there are the payroll mistake with Cory's job. We added

that amounts to get a cereal. And that's when I realized It's not gonna work, we gotta do something, so I went back and did a part time jobs, a year and half, and then we thought we brought our finances taken. Parents, and I came away the mouth and his dad looked and realized. We are paying a lot in interest on our mortgage, so we If I don't mortgage got two percent less than what we're paying, which really helped us. Remember: income, so weary side snowball going and then I realized you know. I want this to go faster, I'm willing to sacrifice- and I went in Gaza time job? Ok, though every single man that I had that job I'd. Anyone see my pain. We gave it straight to our debt furred almost two years and got it we got. It was really the last two years with blood. Paid off. We paid out forty three thousand dollars for you kept everything you didn't shoulder stuff. So that's another.

Pirate. That's when God came in, I fell, bore really calling me home to stay home with my kids when I was pregnant I just saw him thing. Trust me trusts me, and it was after is paid off wasted or student loans oh, it's ok, Lord, I have left, as is our v. I don't know what we're gonna do it there, but we gotta do I'm trusting you? Korean I prayed about it may decide to stay home before the army was gone. Oh, we put that our view on Craigslist three times in the last four years and There's nobody ever interested vital Koreas. I'm pulling me I'll up. We are not taking it down, and so I put the army up in but the next day with a guy that had that guy, just a wind, it happen and the guy came to us with cash paid the whole thing in cash. We owe them. I think we made two dollars on the army, guided

to that and it was. It was cool to watch him. Does we trusted him and I think that for this whole thing was just trusting God that we will do like you say you are a slave, the wonder we wanted to be free and we pray that God would just set us free and he did he arranged everything very cool, so coarse, W Bush then they all were. Actually they always food, both our parents, when we got married, they prayed over us and ever since that day, they ve always been there to support us. Both sides of our parents were good work should collision. Bunch of your family has gotten out of that, while you all are, they have yet to Corey. Parents have been that free for a couple of years. And then my parents just paid off their houses were last year, while, though, all of them have I bet you did it.

Having great examples as to get out of debt and don't be asleep the wonder and love it very blue What are you tell people the key to getting out of debt? Is I always say that key to give that was budgeting, honesty with your spouse in yourself, and then your commitment and I work and dedication and selflessness- and I disappointed giving away the our money every month take this hard Well, don't you guys had a really good reason, big? Why? To get out of that now, it's called you be at home with them beat you're thou, really motivating you guys it with you, aye aye every day I drove away my child my first born and left him with somebody broke my heart and I look in the rearview mirror and see him with family dinner with his babysitter and I just kept hearing God say: just wait, it only temporary, that's one thing I wish I could tell people, it is only

temporary- has now whole I'm home with both my kids sacrifices worth it way to go. You guys were so proud. Yeah We gonna copy of Chris Organs book for you every day millionaires. Our ordinary people built extraordinary wealth and you can to number one best seller all about how millionaires happen and where they come from, and you guys you're on your way to being one. So I want to share in that way to say one more thing we set over settler. Parents are with us, we re if they would join in with us at our whole families that No a family was dead, free scream all at once. I love it. Let's do it the whole generations are whole family. Korean Katy Medford Oregon, played up sixty eight thousand dollars for years in five months, making thirty five, the ninety two. Seventy five count, sarah- that for each three two one.

Well at the sound of a whole bunch brilliant judge. Love it is Very, very cool. Very girl absolutely fabulous better than that. Well, that's outdone! Folks! You sacrifice your card. You sell stuff, And in the middle of that, God shows up. The Bible says when your faithful with the little things, then you will be given more to manage when your fate with a little things then you'll be given more to manage. This is that every measure

our future: the danish campaigner, three eighteen but row in the grace and love of our Lord in Savior Jesus Christ to him pay the glory above, and so the day of eternity amen. Vincent Van Gogh said: normality is paved road, its comfortable to walk, but no flowers grow its good group. Give flowers there there's always women who her privilege oh, my goodness, we'll get there Africans are one point: six trillion dollars and student loans. That's about thirty, five thousand dollars a student and

sitting on a polish student loans and think they're, just gonna go away or the government will magically forgive them. The bad news is wrong. You ve gotta, have a plan to get through this financial. Patient diversity is the best plan for you to pay off any loaned. You ve got including state and we ve been teaching gods and grandma's ways of handling money for almost thirty years and over. Six million people have gambling financially. Firstly, in learning how to pay off that so that they can have a future so that they can be outrageously generous, and that includes student loans, you. Surely that free screams here on the air how many of them went on financial, patient diversity and not unusual all eighteen to twenty four months for people to pay off all of their debts except their home. That's about a fact about the average mean someday faster. Some dutch lower standing at these loans are your life, so you get a life change. Your family tree increase in general,

Ellie redrawing, dried check it out, gotta dive, Ramsay dot com and check out financial peace, university or tolerance. Don't hundred and eighty a triple eight twenty two peace AAA two to seven three, two to three: MIKE's in Massachusetts MIKE welcome that every measure, because it guarantees greater torture, you to shut up. My wife and I are deaf free there we are selling to family home, which is getting It was our emergency fund and then leave us about a hundred thousand dollars, so my question we don't have kids. Should we invest the money or Should I put it down on my single family home, which I have thirty year note on cut down no two affinity I would put it down on a single family. We work what we call the baby, stabs, maybe stuff one is a thousand dollar. Shave too, is dead, free, but the how sure there? Three, if you ve, got your emergency and you're there now forwards, putting fifty

Some of your income into retirement, you started that if you have an already unnoticed budgeting out of your monthly income into retirement, fathers knowledge, you don't have to worry about that, and six to pay off the house early once the houses, it completely off the internet. The bill ridiculous wealth because without a house payment boom boom, the math really goes into overdrive so you're in a situation where Europe baby steps for five and six, we worked simultaneously, so you start putting fifteen percent of your income into retirement and you would skip whereby we have five countries now. Kids, ecology of true with an other monies you get beyond that other than living men. If you want to, this money on a luxury item or something that's. Ok, if you want to go you sure you want to buy a car whatever it's ok, but I wonder at all on an almost start. Throwing extra money at the house because all the day, points we have on the millionaire study that we did shows that there are two ways

people become millionaires and they almost always involve both of them and that's getting there paid off. A paid off home is a chunk of network and in full One k and Roth I and mutual fund investing and, the people that have a network of one to five million dollars and almost always is made up of their retirement. Paid off home. Now you started a family in dollars. They started on some other stuff later on Libya, and beyond baby step, seven, even but maybe step, seven is just become very wealthy after the house has paid off and be outrageously general, so well on your home total. We all three hundred thousand ok added that leave two hundred in your household incomes. What about a hundred fifty hundred sixty on self employed or varies right? Ok, and so I mean, if you through. Fifty of that at two hundred you be done with the house and for five years you have

maybe maybe six years ago, That would be a normal. How old are you I'm forty, four? Ok, and so, when you're fifty, the house was paid for, And how much have you got in retirement now vote hundred thousand now that my wife has for in Irish for work. That's good. Mutual funds should double by them as well. And for that to hundred watch the house worth today about four hundred for fifty hooker oh if you got for five hundred and mutual funds, because you're, probably have more that's it you're, going to continually invest in addition to watch already in her for a one cat. All of us are putting fifteen percent of your income away that plus the two hundred doubling plus the house, going forward the five hundred you should be millionaires but under fifty is a calculation I'm hearing that would be fantastic. That's all

avoidance. Why we listen to you now you go may or may not, just your first million by you. Do it by fifty? That's pretty cool, The way that she ever that average millionaire achieves the first million it at fifty one point three years: that's all! I discovered in the data, shall you are you're you're like a case study, as you're playing out now me! If you, if you don't, you can be one or two other case studies with it. If you don't go the other way, hang on? I will send you a copy Greece's book, you enjoyed, it's called everyday millionaires and it is there's a hundred and forty of the statistics from the study that we did in that book. It is not a white paper for your nerves. It's a lot. Stories and lots of good stuff in LA stuff. That motivates, but there's a hundred forty, the stats in there. If you want the white Paper to nine dollars on the whole research project, get that online, a diver embassy, dot com to bottom motion a copy of the everyday millionaires book. We do want a millionaire theme our here a little bit later in the week, and I Actually, I guess it is an arm.

Don't know what areas we take calls from real millionaires and that prompted us, because we keep hearing these stories from these people who With nothing and became millionaires and the vast majority, the collars- maybe maybe the people hook inherit money just some of the show I don't know, but we almost get someone who inherited their money in well or by an urge all the rich people in her to their money, then here today, all the money trapped in the wealthy families and low man can get ahead. Euro zero, scrap it really bunch of political crap is worse, because the actual data points don't support their theory. We ended up just because we got intrigue with it and we did an air tight man. Oh really detailed research project and it is being the largest study of milk. There's ever done in North America. My friend Tom Stanley passed away a couple years ago and his daughter Sarah carries on his work. He wrote a book and ninety ninety do the millionaire next door where he studied millionaires. He studied seven.

Hundred and fifty millionaires. Now, if you have had a clash in statistics, you know that seven hundred and fifty is statistically significant across the population the sudden there's only by eleven May in May and errors, and so that's that's us that that study should have yielded good results and it actually did but one of the big knocks on Tom Stanley by the wealth equality people in the lefties was that the sample sample size wasn't big enough to be real. The he just found seventeen fifty unique people and they didn't represent real millionaires. So I said well, let's do ten ex mr suddenly five hundred people And we got carried away, we would have done almost eleven thousand millionaires and where search company out a New York came in and studied our research process that we used in all detailed in the white paper. It's airtight research. You cannot argue with it. If you argue with it, you just have a political agenda. You live in an echo chamber, you're just wrong. This data is solid.

And we know where millionaires come from. We know that seventy nine percent of them inherited zero. We know that another five percent inherit less than one hundred thousand dollars, and we know another five percent inherited money inherited it after they were already millionaires. Shall we Oh, that ninety three percent of America's millionaires did not inherit their money to become millionaires folks. That's almost all love. So what's the point of that, the point that is to give you hope that you can be one two. If you do the stuff we teach, you can change your family tree, it works that's what's in the book every day make energy that puts us our that I've Ramsay Show in the box, our thanks and James Childs producer Daniels, or associate funds, for I am day branching your host, we back with you before in the meantime, remember

similarly only one way to financial peace and that's the daily with the prince of peace, Rice, Jesus This is James Childs producer of the Dave Ramsay show you can listen to Dave anywhere with the day for him to show up on your smartphone catch the full show brows by topic, ports and clips. Your friends had to the APS or and download the day we have to show up today,

if you're, looking for fun and practical ways to save money in your everyday life, you need to check out the Rachel crucial upon guest from Bunny expert. My daughter, Rachel crews, guises, Rachel crews and I'm so excited to tell you about. My party has a lot of you following paychecks pay check their end that you don't even know where to begin that they have this need this want to get in control of their money, and if that use, you have come to the right start. So in Egypt, as Algeria, and get a time of inspiration and practical advice not subscribe to the rates of crucial podcast makes region nor more from the Ramsay network, including the Rachel Crucial wherever you listen, the pod gush hates James. Pretty or of the Dave Ramsay show this