From the headquarters of worms broadcasting olive oil studios. It's that day, Brandreth show what matters is not paid off home mortgage has taken the place of the Bmw, how's, the status symbol, Christie Right, Ramsay personality number, one, bustling hopper is my co host the cell open phone For your questions about your life, about your money, open phones at eight hundred and eighty eight, eight thousand eight hundred and twenty five.

Five thousand two hundred and twenty five eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five lay she's gonna start off this hour in Flint Michigan. I lay see how are you I'm good things are taking my car through job. Well, may question answered see I've been doing a blogging business by about two and a half years. I must see my mom of three kids and I offer every day job for the blood bidding. Tat kind of an cloud had take off, but I've learned time. I'm I'm sorry that I keep your friends and family who come to me, or you are you're breaking my agenda. Major you're breaking up shaving get your phone where I'm going to go on, Can you hear me now? Yes, man? Ok, so I've heard a lot of friends and family been coming to me over the last few months asking for help

with their marketing and I'm letting pitching as an actual business on. Could you marketing consulting for people but I'm sure going competent to act the amount of money that I would we value that which has been like their higher and range, and I'm just wondering what I can do about that. Was it worth it Mama, three kids and spending a lot of my time. Doing these things for different people on going I know that my time is were bad, and I know that I know what I'm doing. I just every time that I go can start to invoice someone. I notice myself like change make anything like ok. Well, I don't ask fifty dollars an hour for that, maybe other that bird thirty dollars now, but I'm sure invoicing them for consulting or for Blog inviting them for helping them with their marketing okay. So this is a more

in consulting business. That's what you ve sort have been doing and you want to keep doing it, but with more competence, yeah, gotcha, okay, so here's the biggest thing with marketing or any type of business. Laser. You just want to talk in results there interested in which social media poster gonna do, which bogs, you're gonna write that their interest in what is it? What's that going to do for their business? How is it going to gain, follow Make an impact increase their bottom line and so the biggest thing encourage you to do is when you begin to talk about your pricing you're talking about it, camped in the lines of results here, the results are many get for you and you need to end in here the cost of me to get you those results than it takes all the emotion and square me weird feelings out of it. The one thing I call out, though you you made a comment, you you been helping friends and family when you're pricing The higher end, the these, these two things done, silly go together. So your friends and family not be your higher and clients. I do just wanna call out that that, if you, if you want to do more, in consulting for businesses. Small businesses

businesses are higher and clients unit that the people, the people to have a budget for that. It's probably not gonna, be in your friends and family, it might be. I might be off based completely here, but you need sure you're going after your target market that is willing to the price or charging show your children and thirty dollars and you're worried about going to fifty. That's when it's our feelin weird per hours right only for some time maliciously user service as an example you did ten hours I'll, be five bucks, a fifty right. So, if you did hours of work for us, and I paid you five hundred dollars as a business for marketing consulting and the advice that you gave us or the project that up the sample five million dollars. Will that be worth it right you, you would have wondered charge that has generated that's an exaggerated example over Christie, saying what are the results in

words. If you make me more than you caught me, you're, free, ok, I give you an example: Lacy, the first week we opened our academy, which is my coaching group in April for enrollment in the first week, We did it for ninety nine dollars, which was a steel. It was a pandemic thing, return help people out at the very first week. I did some called the hunted our challenge, and I shall members to make a hundred dollars in seven days, so they made out. The first seven days as a member, many of the maid thousands dollars way exceeded that goal. When I focus on what members are earning as a result of my country so bad at all about charging a ninety, nine or two and forty four, which is the normal. We anonymize charge him enough yeah, and so, when you focus on the result you get for them. Your confidence comes from that because you know the price is not all about you in your feelings, prices about the results and those results, value, and you know I had a friend Tom he went on. Sales is an exchange of value. That's all it is when you take the emotion and squirming us out of its, I would focus on the results for the customer when you're.

Seeing them enforcing them and for yourself it's I hope you really feel confident and charging what you're worth. If you will, but that's that's just the exact answer- that's a bottle So when we start the radio show lazy, years ago we shoulda radio spots for ten dollars, apiece. I dare say those same spots now around six hundred and sixty eight radio stations and their millions of dollars to be on the diameter issue, but guess what? If I charge Jeff, Zander, Alexander Insurance, almost make up a number just does not true, but out of sight She charged him a million dollars to say: may ten million dollars, I'm pretty com, when I showed him that involve wish that I'm here the I'm worth that yeah at and that that's what are they the thing that Christy's telling you here and you can do it and take off. Take our family off that you know. Don't matter the still. The point is: make you more than you call. She was free and

I can do that all day, long begone! Why wouldn't you use much arbours? I'm freaking, I'm free there! Ok, ok! You got visited Well, I don't have Kelly, send you a copy of business boutique. I go into pricing. How to charge had a pay yourself and even higher, build TK but it's in that book and that can help you. I take that even further her laughing, and says. Your answer was right. When he mean when she laughed Russia that we all? I was your answer, but that's a God but you can hear the governor shines. Like me, yeah show and its true with anyone in business. You know when I had sold one financial facebook. I wasn't sure if it was worth twelve dollars, but I've sold financial pieces to an app me and told me that governs eight million you shut, which all half a million a businessman

exercise, maybe more from like about that, and so is that book worth that yeah, because we ve got follow cabinets or the equivalent of electronic filing cabinets full of stories right of people who spent twenty bucks on a book right if we can underlying right, and you know it's cool. Is it changes your posture as the person talking about asking whether it's your services are like, for example, during academy, open Roma posture. Isn't this desperate? Please Please please, please, I don't know, do it's like hey. This is us, and these ladys are rock in it and you, if you would be in here I'd love for you to be here, but it's this invitation we're sitting back with com. Inviting them to be a part of it not desperately begging them. Your whole approaches to and yet more fun and they have more fun? and radio show free. So if you listen to this, thank you maternal,

even when I'm on this is that I remsen one of

questions. I get all the time at which life insurance company should I use for my term life policy. Look. It can be a tough decision when there are hundreds of plans out there with rights all over the place and rip off riders. That's why the only company I use and of recommended for over twenty years is Zander Insurance there, a broker, which means that they shop only the top plans from reputable companies that I recommend call them at eight hundred three five. Six, forty to eighty two or visit Zander dot com for instant online quotes

Ramsey Personality, Christy Wright is my co host today on the Dave Ramsey Show thank you for joining us America, open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five looks like Austin is whether in Orlando I asked an hour you good day value That is our. What's up a quick question for you Come on baby step number two and unchecked you know, created budging treated as accurately as possible, and I had townhouse that internally in Atlanta, in a letter that, out to my best friends, I was trying to see if I sit still that townhouse beat up

We join you, or should I say they put him a baby, fifty new, the other retirement income in future. I would sell it and here's why I dont on a bunch of real estate and I own at all, within twenty miles from home as far as rental real estate goes at. If I mean I've got like, further than that, but from stuff I ran out is all within twenty miles from home. Long this land lording is very difficult to do. Well, you did not set out for this to be a rental property, this original property by default you used to live. And you moved away too often our the way to Orlando and you keep it correct. So. You would not be living in a landowner. Hey, I'm going to buy a town house in NED. Now you under four for all, It's just that I wouldn't do that other reasons I would sell it.

Has run a property, long distance and until you get someone to change their Harley oil in your living room, it's just a problem. It's hard to manage, and so you mean you know you want do if I were in your shoes, just what I would do. I think this thing is more of a other than the inconvenience having to deal with such displace your friend or something like that, but it's more of a hassle for you than it is an actual financial blushing. At the end of the day, you can take increased financial position that urine and buy something down there when you are in a better shape to do it and have urinal properties that you use in retirement there in the city that you're going to spend your life in, and that's that or the next period of your life for sure and that's what I would do mark is where this mark is in an Arbour Michigan a mark, what's up hey, they grew to be on the show. I appreciate you take my call than honor you doing a great service like a shower. How can we help

I have a daughter who is fifteen and a half years old, she's gonna be starting dry. That here in the next couple weeks? I'm in the market for a car for her exciting nerve, racking market for a car for her and because looking at a fairly extensive. It's about a fourteen thousand dollar car I can afford it that's not an issue. I can pay cash and that's not going to be a problem, but I've never before and fourteen thousand seems like a lot of money for a car for a teenage girl. And I am I doing crazy here. Do I need to be shopping for five thousand dollar car instead, just kind of her off on the right foot. As far as showing her had had a value shop for a car, I mean. The idea here is, I want to buy a car, that's gonna. Last forever. I want all we'll drive begun. Michigan

and I want good, reliable car, but I don't know that. Seems like a lot of money and I thought nobody knows better than Dave. So let me give you but you're you're right about that. Mark, I'm not know she's. Yet my my my kids are little pay for your first one when you're a teenage girl thinking like fifteen thousand dollars, I think not among one longer was that on payments no pay cash? Was he pay cash? What you want big, better, go, hey! That's funny because it's like it's when you think about the you do want something save you don't have. It doesn't have to be, I five thousand nine thousand, I think you could find a middle range of that felt like too much money to you for what reason you know, one of the things that you I got Davis, how you did it with your kids, I'm Rachel's Rachel in our very good friends, so she talked about it from the daughters perspective. Of having a skin in the game when she helped pay for her car, but she treated her car because she had to pay for part of it and I think there's something too. Regardless of the amount of money where you take care of it, you value it. It doesn't still like you know you can just

Careless with it's, I don't know, I mean that mark what we did was they paid whatever they saved up, we would match it. We had for a one Dave I'm gonna do that with my trademark, I'm serious and fell in Rachel's case. She saved up six thousand dollars and should go twelve thousand dollar little three point: three billion, which is pretty sweet, low car, actually not about first car at all, and so, but she had saved up half of that in our matched it you're late in the game to start that price, you're you're on the cusp of buying the thing does that you don't have any money, my throat, but some skin in the game, procrustes point she does. Frankly, I am. I dont have our work too much. I in my If we really prioritize education and air and doing well in the school working at this point, not quite as much I mean that that's gonna com and they do work, they do work some

buddy and even when they do, there's not a whole lot of money necessarily involved, I mean, if I can have them doing enough, on hearing in man and working here at home that I'm ok. What that is money is not as much a concern, at least from the me, so The short answer is no. They don't have much in the way of saving augur well need to do something emotionally, so that when her friend drops a Mcdonald's large Coca cola in the passenger seat that she cringes, you can ever even just paper insurance mark where, if that's, if she speeds, gets a speeding ticket, that insurance goes up, she's pain for the insurance. She could work a day or two a month and make enough money to cover insurance, In short, there is there's something very valuable, but having some scan again overall, obviously just in talking

you're, making a lot of money that a lot of money. This is not an issue, it's not it's, not a control. I do tell people that its whatever Kyoto kid car you get. Is your first one year, you're going to screw it up you're gonna destroy yet secondary forever car. Thank you said that we are not here has to Joe go down, they might want. They make halfway through college, with their first car so but four wheel drive in your area on a problem that something reliable promo that somebody save our promise that you can get, of those things for a lot of different price ranges, but you ve got the money, it's not a problem, but I am more concerned with the with her posture towards the car Then I am the actual expenses,

but I M and we live in ever who were people by sixteen year old. Thirty, five thousand our Bmw's cause your brain damaged. Now, that's stupid, ok, but- and I would just call you on that, but what you're describing is not align eyes nylon or we did, and it was a few years ago we did it and I will send you a copy Rachel and our number one by selling book smart money, smart kids, which is how we taught ritual, together with a number of members salaries. Her from the daughter perspective me from the dead perspective is how we taught our kids how to handle money in it, discusses car thing a lot in there. So I said it was a number one and also to other you'll enjoy it you may up a couple of points, nothing you're doing. There is wrong. We teach in that book that, regardless of whether they have to or not our job as parents,

is to train children. Is our friend, Andy Andrew says not to be good kids, but to be great adults and wondered that with money they need to have for skills and know how to work, and I don't think work enough. I would ever do more work just because I want you to work. And are you worked Rachel work and neither one of you had to from his employer. Parents want brokers like their work, give save and spent wisely spent wisely, give wisely save wisely and work actually end and learn to do other things. It you're not doing their saint because they create a lot of money, but because I want you to build, those muscle hits the habits. I have to be on time, and if not, I have a boss reporter you know do before I worked here worked. The wives here has staff of teenagers have sometimes the mom call me tell me you know Johnny. Secondly, daunting these to call this is Johnny's job e e learning

got to get the other skills for a life. It's not about the paycheck. It's about the skilled, our life can be lazy. Johnny's will solve on our work. Like John is gone, calling partial Johnny there. That's that's good stuff. You really get stuff, that's funny story. This is that I ran vision

fourthly ride grams. Your personality is Michael Holmes. This hour here home others day, are here on the day room to show all my dad, restage, Nick and Alley are where this right here at rambler solutions, what's up guys, we're doing great day, good too It welcome welcome so how much debt have you paid off? We paid off one hundred thirty thousand, while our? U time, how long did it take twenty four That's why you and your range of income during that time, five hundred and two hundred and fifty one I'll show or Canada was the one thirty, my vehicle student bones and our house, oh ok, to choose from savings or something does us. These numbers are ridiculous. We did have some savings we had arm.

Getting started on it alley. Always on it to save, and I always wanted to get the debt down. We kind of thought about with each other for quite a while on this we were Dave Ash, probably about the first year and then to be honest, I'm I'm fairly cheap, failing to hoard money, I like to have a big pile of it and so on finally broke down and got a new Iphone and was able to start listening to podcast. I was introduced today in a different way than my husband had been able to introduce a new second hand. Ramsay yeah, then, came in. As the experts saying hey will Dave said this, and thankfully he was patient with me, ended and point out that here by selling for a year- and I had no kidding phase on how much money do you have worded, maybe about I'm the free spirit, I would say, maybe about thirty five to forty that went to it and then the rest was just kind of hammering down. We went gazelle and

and now you are crazy once we got her mirror thirty five thousand hours a year out of one fifty that's dramatic, an you through thirty at it, so that Europe can help me get their good. Yet Emily Cash, truck and my maternity leave during as well, but yeah when a faster when you're, both together so over heard the rumour in their rooms each thing done or no it does it. So what started on this whole process. Well, a friend at work. Guy was complaining, basically that we had made more money than we had ever made and had none and had none and theirs friends, that you tell these things do and they go? Oh yeah, that's thinks, there's other friends that you tell these things to undergo here, this guy named David, and luckily that was my friend Jake at work and that got me started on it. So I was on it for about twelve months before I got,

Allie on board, with it ok and saw that out of the twenty four hour you just did together for twelve, really really yeah really yeah. In a sense you help, because you are piling up was pilot. I can guess, then I must supportive of him pay extra. While I was so being so, there were it will in the end by I recommend just partner him together. Very we haven't. You heard me. I like well done. Guys yankee off your house? Yes, what's it worth about a hundred and seventy love it and your? How old? Well we had a goal. I said the alley where we're getting close. I was like you know. I think we might be able to do this before I turn forty and then once we got that in our heads we made that are going to do. Before. I turn forty algae. Forty, nine. Thirty tail love it way to go

Thank you for a freshly where we may play ball how's. It feel any by feels amazing feels great I've kind of feel like. I was when we are going through the process. I was on the other side of the desk formulas, into you and then, when I went back and started, listen podcast afterwards, I felt like I was on the same side of the desk legal, it's kind of a weird feeling, grad school, then you guys at your age, others pay The house and a great income you're gonna be show wealthy. Yes, me, a little only problem, as we are people that go all into whatever we do. We ve done endurance, athletic events, marathons iron means that thing, and so we are very the planned in very intense people. So now it's a little disappointing, because we don't have like a financial golden he's on other of course, then retirement, but it's not nearly as fun

some eighty cents worth go. I'm gonna give you a copy of the everyday millionaire about ok. Now you got a new girl. We are well guys, that's a mainly that feel to get paid and get to keep it and not be paying and backwards to these debts in these bills. It feels amazing, the favorite part of babies up seven, me has been the ability to give generously yeah, we are big when you're in when you're paying off your date rather intensely. You have to be creative with ways to find inexpensive date nights. We did a lot of park centre, local parks programmes, and so one of my favorite things was after we paid off our house. We ought to give a pretty generous donation to our local parts, and that was actually one of them. Where's that we put in with our dog on. So that's been. That's been the best part for me for some good, for you guys well done.

Well done well done so working together is the key, in the other case, being disciplined yeah and be impatient to get the other person. Bored. I think you could go very wrong. If ass. If I was to push to hard and just be impatient waiting for her to come when she was ready to come, let's get let's get one interesting thing happened. So we were just about to pay off our house and I I have to do reporting to the IRS for my job and part of that was to get along. Through the IRS system electronically and in to verify your identity. They ask for some sort of loan information, whether it be a mortgage or a car payment or student loans, and it was a little uncomfortable to have to tell our consultants that I was unable to again to the active verify my identity, because I didn't have any loans. There is that you should be able to use our tax return home to find out that doesn't work on sanctions.

The drive an hour and a half to verify my identity in person in order to The irish vote all that's crazy that some Maisie wow Mare. While you got no payments, no payments in the world and just in time for covert, I mean yeah yeah, you do you have a completely different reaction to a process. Are you not the kind of garbage we ve gone through in the last ninety days or hundred twenty days that you, then you would have? Had you not been there? Some way to go gas very well done? Well, we ve got a copy of Christians book for you every day,

millionaires- and I understand Mr Carson- is whether shoulders, Carson or MRS Carson, Miss Carson, will actually turn one tomorrow. My daily era of sea, sick kids, look at that both that's all some well done. Well, he changed your family. Treating you gonna feel good ya. It does so proud of. You think, well, I'm look at where people are houses paid for in every thing, they're, not even forty a hundred a thousand bite off and twenty four months making one too the one fifty km A larger a debt bridge grew three to one where

five hundred persons were thrilled. Couldn't you like why they re screamin order? We know these people you do that fund. That is awesome. You know what the Europhile bankruptcy Roger was about as us, You know you make a decision to change her behavior change, your habits and change your life. It not only changes your life, it changes your whole family tree. It changes your destiny of Europe, that's right, you're an especially just in their situation, with just a little tiny one. It's just gonna be really to see how they have such a long time to see how those changes affect not just their family. But even here and how she views money, handles money and grows up Money on our that's me really fun. Now it changes, changes the destiny of yard and of mutual

of your of your extended family or the Oscars you're in a position to do things for them. Referendum on his grandmother have stroke in the middle of all the stuff in her she's by herself up they're getting by, and so he just said he hired medical professionals well and put in a bed but bought hospital bed well yeah. I was able to this right check, shouts of luck in Eurasia. You ve got the New Europe, Malaysia, checks and but could create a completely different world for them. Were you lot. That's very well done very well by that puts us segment of the day rooms you showing

I fear that I did around thirty one six be strong and courageous do not be afraid or terrified because of them for the Lord. Your God goes with you He will never leave you nor forsake you german cynic says what good is an idea if it remains an idea? Try, experiment iterate, fail, try again changed the world As only Simon guns, I ve got a love it I made difference between houses are set on the market and houses that actually sell is the rule no state agent. That knows what the flip they're doing in this starts with you, with the value of a top notch real estate agent. It's worth it to find an experienced agent. Who has the track record and cares about you getting

one hundred percent of what your home is worth and getting its old. This is why we endorse top agents across the country are endorsed. Local providers in these are people that are high octane high protein do not settle for a sub par agent on your most expensive asset. For most of you, your home, don't higher your relative plea, Dave Ramsay dot com, flash agent and you can find who we recommend in your area. They Ramsay dot com, sledge agent through is whether an Asheville North Carolina. I drew welcome. Dr Ramsay show. How are your great? How can we help? I just got game and the mafia- and I were talking about our financial situation at the advice of our premarital counselor. And though we cannot realise where walls and

All we really know is that hiding is important and credit cards are bad. We don't really know much else. Like your power, so that you are also how old are you? I am twenty and mafia is twenty one whose doing your remarriage counselling. It is my childhood we passed here, except my parent he's, probably the biggest then point in my life, and it was kind of a no brainer who we're gonna asked Mary when you get married, we're getting married at the end of June. Twenty twenty one, so loud grown up dream, that is to have a saying. I am used to make me new stuff heeded one day, but he said are recognising that there is a price one is ninety percent of solving it. So you are we, EL on your way, you what you are, I you are conscious

that you don't know what you need that you don't know, and then that means you you're put you a journey, a search to find what you need to know so closely watching needed it fighting to Peace University. I mean this is the class that we have seen. Millions of families gets you, but what so cause it's an amazing engaged gift, and it's one of those things that when you start to have conversations, not only do we walk you through the baby step, Dave Walk. She threw exactly what you need to do way more in depth and we could on this call, but you begin to have conversations about What are your beliefs about money? What your fiance believes? How was she raised? How're you raised. How is money treated in your household? How do you view debt or working or

having who's the nerd who's, the freeze, but it's just gonna spark. So many great conversations that's going to continue you on that journey. Just like you said something we give it to an actual financial pressure versus part of room. She plush now, which also includes the every dollar budgeting, for you learn new budget and the baby steps tracker up and so it'll be. We can plug you guys into it as I as a gift and are going to give you a one year, subscription, Ramsay, plus and I'll. Give you plenty time to go through the glass and then you can go back through it after your married, and I got is that why you're dating year engaged and party remarriage counselling and go back through it, but the key things drew and you ve already got it down. I mean you're laughing about credit garden and the other stuff, but there's only four five key things and in the rest of it, that the rest of its of the sophistication flows out of those saving money giving money budgeting money staying out of that.

Being on less than you make and those are the key and those are all backed up by scriptures- imaging use pasture being an influence. So, like your christian like I am, and so haven't agriculture the group chairs on every one of those things, but but being on a plan Jesus, I don't build a tower without first kind. The cost must forget halfway up near on it finished all who see you begin to mark you inside his men, began to build and was unable to vanish saving money in the house of the wise or stores of choice, food and oil. Living on less than you make a foolish man devours Ali has, as proverbs

rituals over the poor in the borrowers. Slaved the lender. Getting out of that, and of course, God loves, a cheerful giver, be outraged, asleep, generous and weaving. Those things to gather creates a plan and Christie. You did you and Mattie. Well now you dead, because I went through it, when I first started working here, but what's goin, I got married after you, while you were here yeah, that's what I like is that you told him to go through it and then go through it again because manner had. Conversely- about money. All these things were talking about as an engage couple is part of premarital, counting all that, but it takes on a totally different meaning. Once you're married you ve combined your finances, you ve combined your expenses in it, and here we are working to that budgetary matters. Three and four months to figure out the budget and what were you doing wrong? And while I can't really, we spent as much on food, so it's it's it's good to have it relations now when you're engage, but it feels a little bit more, like theory and in you can put some stuff into practice in your life, but when you come

in it, you need to revisit it so that you're having that call, station again, with a real practical making. Sure you got living it out in your marriage? The research Was it ever set eyes on it? Yeah yeah Josh wasn't Knoxville. I Joshua welcome that Abrahams Asia. I think big chirp, what's up through I'm thinking about starting a bit more computer, hair and apple computer, small computer shop and God about six thousand more savings and I'm gonna take about twenty five hundred and put towards the business that found a spot. Please, and that much will cover all the twenty five hundred cover insurance account and releasing the space for six months mocha. What do you do now I will carry a retail store right now,

Can you tell me that was not working? You're gonna continue to do that and take this up and running. That's right you know just what the only thing I would question is how to give each thought this through, but I'll just question. If it has to start that that big that had the least the space I mean to you peering computers, do you have to have a specific retailed, not least and overhead, and I mean you know you need someone to help you with your taxes most likely. If there you know, but I just wonder if it has to be that big up front commitment where you could just repair computer on the side are yard. Nome yeah I've got just do it really part time and are made like fifty dollars in the last month, but I feel, like you might be beneficial- have actual location. People can come to. Let's talk without real, quick, Josh OX. I see this lot. People think if you build that they will come and that's just not the case.

Few builder and go after them, and there is a demand and you work or tell tale off. Then they will come. So I dont want you to think that by hang our leasing retail space storefront space is gonna, create the foot traffic just cause you're there, because it won't what I want you to do is keep doing what you're doing what build up the demand a whole lot more on the side, make a lot more money in. Prove the idea. Get your client base get word of mouth prove that this has built up there, and prove that it's a viable idea and let the business be booming. So What's that you need to expand in this space versus. Going into the space, hoping that people are gonna appear is right. I was just an hour completely destroy five hundred dollars. So, even if you screwed up your what you find it in your life again, so twenty five thousand dollars so or turn fifty thousand dollars or something like that- Two Christy's point: if I were you, I would do the exact same thing. You're talking about knowing after you ve made five hundred or

thousand dollars a month for the next three months, and then I would open the location and just proof we call it proof texting, which means you go into the market place and you actually take your theory and put it in the wild and make it survive. And that's why we're? we'll do. Although small test launch some kind of proof text, idea in the market place before we do so on. A massive launch isn't not to start to massive, but just the same, it's a good idea to go ahead and build up your business so that no united, the disappointment of losing the twenty five honor, but does not for your confidence tape. Pretty good job thanks to spend. It puts us our that IRAN's you show in the books will be back with you before you know, but in the meantime, remember, there's ultimately only one way to financial peace and that's to walk daily with the prince of peace crises,

This is James. Childs producer of the day, Branson show you can listen to Dave Rachel Crews, Chris hoping for the rest of the Ramsay network, anywhere with the Ramsay network on your smartphone catch. All of our full shows brows by topic per cent clips. Dear friends, had to the absurd and download the Ramsay network gap. Everyone for fun and practical ways to save money in your everyday life, you need to check out the Rachel crucial podcast from money, expert, Maidan, Rachel crews, guises rates of careers, and I'm so excited to tell you about an ipod. Has a lot of you, darling, paychecks paycheck their end ass. You don't even know where to begin that they have this need this want to get in control of their money, and is that you have come to the right spot. So each episode, jeering at a time of inspiration and practical advice, not subscribe to the rates of crucial podcast, makes review it today, nor more from the Ramsay network, including the Rachel Crucial wherever you listened Abad, gush, hey, it's just.

Producer of the Dave Ramsay show this