Live on the headquarters of William Say solution broadcasting from a dollar car rental studio whimsy, where America hangs out, have a conversation about your life, your money, I'm pretty, writes a business, co, german author and whimsy personality. You can follow me on Instagram Christie, be right and hosting with me. Today is my good friend also author fellow Ribs personality, Anthony O Neil. You can tell him what Instagram Anthony O Neill we ve had a fund.

First hour, and we are just going to continue to fund. Give us a call AAA eight to five two to five were answering your calls about money about business. Whether to small business side, business side, gig just need some extra cash to pay off your debt can help you with that or just life. You got some questions about a decision your facing and want and outside perspective, we are here for you AAA eight to five five, you. Two five we're gonna go to Nicole in Dallas Texas, hey Nicole how's it going. I worry. Oh great, what's goin on I don't think I'll be, quite literally in regard to the most recent stimulus chap and my statement, one: While I am doing the day, Brimley plan following the principle explosively I have paid off forty four thousand dollars all in twenty twenty that might be on pay ninety killed. While congratulations, we jump a cue,

Are we mobilise my student? One that is sitting at thirty one thousand people. And a peacekeeping expand I love you? I really want to start attacking then answer. Everything is that our kind of economics is my fiance com it transmission one out of your as a one, carping Emily, which is a blessing about working from have. Secondly, we wanted first aiming for already, and we also want to favour how we are paying for hiding. I really want to get the many thirty. I want to attack my students alone and then back later the boy- and I already have any every dollar, though it already spent he was the interest rate- is already going on Mars to larger

ready to go under I am basically spitting out where they're not do you can get we created with my payment and pay the command by October, twenty twenty, why they all girl active and they all go, do at the same time When is a wedding nickel we actually got engaged him before. Co, bad and credible for the world got quiet and we ve actually done a little bit of planning and we don't have a date yet because I come from a large Italians. The only and I want my family to be present. I wanted to be joint born. I just dont really. Why oh baby, you know, but all you are

following the one you want to do. Is that bodes well for family members and make sure that his estate environment for everybody- you just can't fifty date, yet I'm, a gibbey haven't you two two answers. One of me: you may not receive it and ass fine. I just want to give it to you, put it out there, because I live I don't know you, but I love you and then other ass when give it a practical thing of question appears that the first answered I want to say, because, already living together, we ve already acting like your married? You are. We have combined finances which I'm not a huge fan of non married people, joy, So my suggestion is only because I just levy and- and I want to see how we With my my particular christian faith background. In our not perfect, but I definitely say this is about

definitely say about charges. Glad indeed save this fourteen hundred dollars put that towards getting married. Just going to get married may be small wedding because co, We don't whirlwind covert, is going away and so what I want to see you all living as an gaze couple, doing everything as a married couple for the next three years just go ahead and get a small small wedding. Go down the core housing do something private. You know they win covert is is lifted and you and your family feel like a safe to try to do it. They have a. Maybe a bigger wedding are bigger celebration of geology. Alien That will be the first thing. I would do it a fourteen hundred hours. I wanna jumping on that before you go into the tactical, because I really agree, especially in this world and you're, seeing a lot of brides go through this engaged couples go to this end. The idea of when it is could include safe is a moving target and I'm not.

This is not a political statement. This is just like if, if you're gonna get married some day, Sunday is not a day on the calendar and it's it's just gonna get, stout pushed out pushed out you're, not prioritizing something that is sacred in a hearing, your voice, its sacred to you and your family there. But you know, just like you said: Anthony of my sister in law did that last year she had they had a small boy yard wedding and they got married and it cost hardly anything. I think I was just in the backyard witches family friends and and they had a big celebration reception in the fall. You could do your big italian reception whenever you feel comfortable with that, but then Europe retiring, your marriage. In this, I just wanted to jump in an effort to act. I think that's really good advice go ahead with the tactical, too. Call this night, I heard you wanna talk grows, so deaf want to give you some time to respond, but does not mean Chris you're, not attacking which, as we just want to give you some practical advice, my brother did did the very same day giant gives he

got Mary right in the middle of covert, and I had a very small wedding because he didn't want away so long. He went to live with his wife just acting as a married couple, but they're not married. So that's what I would do to first fourteen hundred dollars with adequate Get married a thousand your shoes disco ahead and is still that and they, from their move on and then is saving. To that of ice custodial to you, so they yes device, First, I think I'm gonna tell you to do is attack your stood, allows ok, go ahead and is paid. Towards a student knows this way you can get ahead of any interest that will come up in October, went when it's time to pay back the suit allow. So that's what I would do with fourteen hours. If you dont Zadig Mary go in here, play it to your stood, allows as going on then you really think you guys were not respected because we are you coming here s, I'm he's kind of a brief period. I'm a nerd and I've been so how do I make it? Look like

then actually had a timeshare of Montana get the girl we kind of dabbled in and about man as there is both we might have to have a little and financial meeting tonight in regard to evolve. Mobilizing combated should focus, and I don't even think about that? I know- and you know it and the call if you do it, I want you to call back to the show and tell them that I tell the Anthony we got married. We argue that I'm going to send you all a gift. A financial gift, is because I believe that something you should be doing for real. That's awful Monica right right called thanks. So much for your question, and you know what this is. This is an exciting time. You're talkin about big plans are taking a big dreams. This is this is citing bang- and I love this reminder that

can prioritize her marriage and still attack those student loans. It doesn't mean a student loans are going to get attacked, doesn't mean your financial goals are off track, we're just gonna zoom out a little bit and have the right perspective and say: hey, what's most important right now. This is most important in order to do this, we're still gonna have the big italian celebration at some point. We're still get attack the student loans. We're just gonna do things in the right order question this is the Red Sea. So if you own a business, you know that it's a challenge to fund thoroughbreds that war.

Your business when that's, why I'm a huge fan of zip recruiter when you opposed a job on zip recruiter, it gets sent out to over one hundred job sides with. Click? Then its technology? Does the screening for you get the help you need at zip, recruiter, dotcom slice Ramsay! You can tries procurator for free, that's zip, recruiter, dot com Flash Ramsay well Saint Patrick Day brought us fear than Iris announced that its pushing the federal tax deadline. Thank everyone in the! U s now automatically gets an extra month to file with the date moved from April fifteen. To may seventeenth why the pandemic still affecting things than when you throw in the very recent tax changes. The April fifteenth deadline was looking like a pretty tall order. Now, what

ain't may seventeenth, you have an extra month, not just a file, but also to pay tax bill if you're in Texas? Ok, Mama or Louisiana. Your tax date from the IRS is still June. Fifteenth as of the winter storms. So what does this mean? You have extra time to do your taxes, but if you can file now, especially if you're you for a refund, go ahead and do it and that advice come straight from the Iris and if you need, filing either online or with a trusted tax adviser? We can help text tax tee, a exe, the three three: seven, eight nine and get it done- that's tax to three three: seven nine, alright, we're gonna keep go into the phones and we got Adriana in Ventura. California, hey Adriana how's, it going. I got. How are you by God? How can we help. Ah

I'm calling the guy I have, but one thirty thousand then in savings, and I wanted to know if I should buy a home without or put towards my current mortgage. What? What are you and I mean aside for the money. What are your plans? Are you? Are you playing You need to move now only to move suddenly from the guy I'm considering birth, because I'm in a special situation, where the harm that I want to buy a word my heat, the mightiest. Those are my army was it's our home. It's fifty fifty and those who want the garb of a hundred fifty percent and in two Ah, I wish they would have dollar, because we have jointly for ten years we will have to pay appreciation, because I think you grab appreciated

they will have to pay taxes. So this is not the home you're living in your saying the home that you're living and is not the one that you and your sister on together the correct nothing. I have my primary alone. My my husband? here's the thing. I'm going to say so the whole. Well, I'm going to see both of you. I just go ahead and to sell their home and they just stay where you are take that one thirty, as long as you are dead free allows, you have a fully funded emergency. Fine did that and thirty thousand hours ago, having just put it on top of your current market, just go ahead, and so your freedom percent, she sells her four percent in just get out of the sounds like: maybe it was inherited or something happen and they inherited home and so But you said, if it be give get rid of that responsibility, pay off my current mortgage and then proceed.

Yeah. It's interesting too, because I can't tell you how many times we ve gotten calls like this on the Ramsay Show Anthony where people situation in their doing something and they considering to continue to do it just because I've done it s, not because it's in lameter goals where they want to go. It's us the right thing anymore, something that was right ten years ago, isn't right anymore or near, and your example with something that Harry? Not necessarily something you wanted, and so I love that advice. It's it's just get. Out of your hair. Yes, you'll have to pay says on it, but then you also still have all that extra money from the sale of it. You can put your cock morbid mortgage owing to mean a great financial situation, and you saw him with it anymore. If that's not a part of your ongoing plan financial plan, get you this tangled thing with your sister, which would be good as well, so that some scrape advice are left to Catherine in Philadelphia, hey Catherine how's it going Could you get a real good? What's goin on I will give you

question about taken some time off, work to do through high granted appellation trail. Ok, what's what what what a situation around it I'm sure you have some money? Tell them I'm on eleven June Granby said Chauvelin, I dive any kid or a house, and when I have about thirty thousand, which is my money to fund and then also money that I would use towards there, how much It is not a good looking Bertram advice from US equity how, on top of your emergency fund,. The furniture is everything, ok I for one guy, therefore locker sounds good. Was I run an engineer anchor how together, I'm those two to thirty two yeah. Ok,

Do you take six months of two Go Hagen, I'm so site about this answer- I can't even see start because I felt this gimme. Another really gets between Mr Brok has. Let me tell you, Catherine, I oughta do At the same answer on this question, I can t tell you right now. I can tell you right now: go and give greater we'll go together. So here's the thing we might be. We might be on the same: ok, ok, let's have it because she's dead free she doesn't have any in. Oh, she has a fully funded emergency fund. Here's where I have a question that will determine my answer I threw how much do you need for six months to live like how much what will you have to spend on you bill? back at home at How much money will you need, We don't that's, probably overestimating so bad thousand dollars worse case absolute worst case scenario, yeah daily

Thirty thousand dollars in your bank account, at thirty, some useful? How mostly having your retirement account right now The twenty thousand go help him see outside by listening that cap and I'm gonna have to open lab yard. You see all those light Anthony don't do that they lead Sergio takes six months are to go. Get out like ours, is not go. Make us forget repeated the question I can indeed unlike the highest. I do not like I can, but at the same time that's why we worked so hard. Do will be so one day you what we want to do. That's right live like no one else. I Dave says we can live like no one else. She's done that part go Lee. Now, she would it said quit working for them. So we're alive, Christy

now listen hairs. Here's my perspective that I'm bringing to bear to Catherine Mama, three kids go hiking sister, you gotta go high get was we love you? I love you. If you want, you have kids in your future, Lord willing that's party or plan. Now is the time now is the time to leave those dreams before you got kids oh god I can at last Christmas as long as she say, ten grand Ten grand is ok, I'll, have a lotta needs out in the woods of there's a lot of things, much commotion and get rid of her apartments. I beg you to now, but the ten grand covering the bills. There's not a lot of additional expenses is only we're going to travel Europe for six months or that's gonna be real expensive, so the wizard with their cheeks, I love it. I can t do it and when you do, call it until I know how it is. Maybe we'll get him out the words get him. I could I we got a call from Matthew Enrichment, Hey Matthew, how's, it going you, don't know how can Anthony and I help.

Here again. I know my life in the background. Both our question gains. I naturally voted. To start out on my own consulting me: let's have some tells. What are you currently do? How much money do you have to talk about? That shows both. So you love, streamlined what we do and allows the voluntary actually quit my making one hundred thirty thousand year and my wife is now choose freelancers touch them down working. She can make the money, but it don't jump over some of the month Are you Jeffrey Jeffrey And how much savings you do not. Will you aren't twenty four thousand an emergency fund and leave a down payment of about two hundred and sixty thousand? Are we gonna do suppose we gotta go to break hairs, I'm telling you you, to have three to six months of Spencer is ready,

to get this consulting business off the ground and you need a secure plan on how you're going to monetize that make it profitable very quickly. You need the money they are to support you as you transition into this business, not hope it just gotta magically be there, but you need a plan for it to be there and it needs to be a private plan with clients with leads that kind of plan you have that their then yes you're ready, but if not, you may need to save up a little bit more to get ready before you're ready to take the next step requested. This is the real issue.

I'm crazy right hosting mutely today has meant that he heard me all my good brands and fellow Ramsay personality and we're taking your call about life, business and, of course, money. You can give us culturally to five five two to five of this has been funded because some of the calls have done answers on which leads to a really good discussion? I have already been seeing people comment on Instagram, which is really fun. You can follow me at Christie, be right and Anthony at Anthony, O Neil. I we love connecting with you. We love hearing your stories that we love answering your questions. Are we're gonna go to the phones, we got a call from Rob in Atlanta, Georgia, hey Rob has gone, Creasy you guys great. What's up, I was calling see. I have money left over from the five point plan for my daughter, and I was wondering about

change, the beneficiary to my son in law. I he has alone there and help them move forward, are they legally married engage and I get married in August. Certainly I wouldn't do anything until the area, so once they are legally marry, you can transfer your daughter can transfer the fight now this in her name to her spouse or to her kids oh from their, then from near the mandate that they can take out his ten thousand dollars. A year that so yes, but they had to be legally married, and she We can transfer to her son to her kids or to her legally Mary spouse. So, yes, you can I offer my thanks are Colorado claiming to be a target

are these ever changing rules and some advice when I'm not good with fine print ersatz. It's good! I'm glad! You know stuff like that. I would have known that either we got a call from Janine in Boston, hate, inane, how's it going. How are you, God? How can anthony- and I help ok great, thank you for having you, so The question is about goals recently, who asked the question: what are your goals and further life and don't tell me about helping other people. What are you doing specifically for yourself? I struggled to end a question, because I am, I guess I have for helping other people and making them great I kind of one advice, our recommendations on how to refocus back. I myself and dynamic in Ukraine, That's it that's an interesting question and I'm curious Anthony things on this. I would say that forces back out of that and not look at goals as something that are self serving ores first that goals are really at all

there really a strategy to get you to wear when a b, so where you want to be, could be helping. Others where you wanna be, could be doing something for yourself for growing yourself financial year losing weight are running, a marathon are starting. A MRS Emilia can be whatever end goal that and finish line that you want to define for yourself in your life and where you want to be in your future and that could be six months from now a year from now ten years from now, a goal is really just your tool to get you there, and so becomes you're your path to say. Ok, here's my strategy of of how much we know for sure when weight loss. I lose fifty pounds. Go over needy, loose five pounds a week in our five pounds: a mother. Whatever your path is between here and there depends you're timeline, so I would, I would starve, ask you: where do you want to be? Not what should you do today? But where do you b, because when you can your vision of the future? going to see what you want your love life to look. I can, if you're, not careful to name one of the things I've done before, and I know a lot of people have done this. If you dont defined

Your finish line is you'll up crossing someone else's finish line. Being a small group, one time Anthony where we were all sharing. What we are goals were for the year, and this disconnect me shares, and he said, I'm I've gotTa Golda Rethought books this year at the best, sounds fine. I should read thirty bucks, this Europe. That was a terrible gulf for me with two dino young kids under the age of three. So so think for yourself. Where do you want to be? What is Your version of success: what do you want your future to look like, and then you simply use goals to get you they are. So I would with that question, where do you want to be in a year in a word, you want to be in two years a three years. What what excites you? What are you dream about for the future? Let's start with that question. Ok, I'll, take them out of the closet. People I'm having a go at home we found things, but when they lose their flight come broken myself there

however, my life like few minutes more survivors of illicit trafficking and adaptation that then something happened in my life, so it kind of fish meal of get away from focusing on but I was just It felt like and helping other people realise that they have life in value and they can overcome whatever they ve been thorough, go I guess it's kind of vague. You know I want to help build them these and eventually get into like philanthropy, kind of Congo, where I am right now, that's great indicates the opposite of what I do. I mean what are you doing now Military. Ok! Well, thank you for your service. I I don't think it's a bad thing at all that its vega, just one encourage you. You know when I help women through business boutique at the event or even back,

ever through the business. Peachy Pike Ass, Anthony we start with, and we do this through Entre leadership. Do we start with a dream in a dream? is fuzzy is kind of like I don't know. I just I want to help people heel and build communities that it feels really vague and it fills fuzzy and that's what dreams are we can't quite put our finger on a meal Ok, that's military means, but as you back out of that dreams, okay, what is a vision for that, looks like we're. Vision gets more specific, ok and five years. I have started a nonprofit or I have become a volunteer or leader in a nonprofit that is helping. Human trafficking victims- and I am helping through counselling and consult you get more specific with the vision and then The vision you back out of that further. It's ok: what's the goal to get me to that vision that fulfils that? In so doing, I just want to encourage you to keep working on that process, I've got the dream this high level kind of fuzzy idea, maybe sort of what you want to do, but you're not sure what it looks like. I just can t.

To spend time with that dream journal about it, pray about it. But all the ways that you could engage with after so many different ways that you could do exact What you just said: So what are your strength? What excites you what's realistic with your stage of life, with your skills and and your occasion in your time restraints, maybe with a full time job or something else you have going on, but start with that dream spend time with the end back out of it and put a little bit more clarity and more specifics around it for a vision and then back out of that and set goals thing, you they are Anthony and if you'll stay on the line, I would love to send you a copy of my book business boutique, even though its for women starting and growing businesses. It can help you even with this. I dream with this idea and the first few chapters will talk about this exact process just walked through in much more detail going from dream to vision. Goals, and so you can even just go to this first few chapters and that our help

clarity round what your goal should be and what that can look like for your life, but I'm excited for you, that's a great question and I think its awesome that you want to help others and I don't think that's a bad thing at all. There are not mutually exclusive. Do you know I think people have this idea that when we do things in life it can be through our career or something else. Even on the side, despair Hobbes it either is selfless or selfish, it's your self serving or completely for and- and these are not mutually exclusive, I tell people all the time business is a win win its a windfall place when you serve the marketplace and it's a went for you when you earn an income for your famous So where do you think this idea comes from zero? You talk about this even on your show that it's either for there's or for me, it can't be both, and if it's for me that I'm a bad person and if it's for others, it's like

it would kill even consider yourself in the process. We think it comes from the generation of being with a culture says if it if it doesn't help someone else in your selfish. If we help is someone else, and you know you don't really care about yourself, so I think for me just confuse, and, unlike you is, it is ok to do both of us The business is benefiting me personally. Radical does bring an income into my home and his help me. Old wealth while at the same time serving my community helping other. Bull and so a definite date. They need to find something that helps out above and when I, goes goes to me. I had her. My no paddock pulled up earlier sobbing running out signals from above, but goes on. The results we want to achieve now

It is all about the process that leads to those results, so you gotta have goes, but you gotta have daily habits to accomplish your go yet the discipline, the Dublin cracker Cell, says it's the small things behind the scenes, but no one sees that led to the big things that everyone wants, its those small things behind the scenes, those disciplines dose daily cabin deadly to those goals and those decisions, so that this is the real issue.

Your rights sitting in today when we are here to answer your question about life, money more business without a lot of exciting things. Work on Anthony has the table his new podcast, where he tackles all types of tough issues: fun conversations, real world related topics. I have the Christie Right show a new episode airs every Tuesday. And haven't talked about it today, but once you guys know that my new devotional is out now called living. True for days to get back to you. This is a forty data vocational specifically to help get back to yourself. I don't know if you ve felt like that, but I have tough seasons of life or in your job. Certainly in my role as a mom, it's different things can lead you to that result, but the centre

as the same just like I've, lost myself main cope and make people like that absolute I feel, like you know this Anthony from or this company in and we launch projects, and you have timelines and get excited. This was supposed to release in April twenty got, pushed back, got pushed back and God knew when it needed to be out there, and I think the right when people are starting to feel that of man. If, like I've, lost myself what is going on in this world and I'm in a walk you through or sections of knowing who got is who you are? Where are you in your season of life and where you're going and what God says about your future well and just a it's an awesome. Three too minute daily devotional ticket you some time with God, some time to get back to you ring true forty days to get back to. You would love to hear what you guys think if you have checked it out and if you're a man lessening it's a great gift for your wife, may hear a lot that a lot that

providing for their wives or conference or moms or daughters are right. We're gonna go to the funds they ve got Chris, calling in from Washington D C, hey Chris how's it going How you doing great! What's the question for us great great, just my wife? What I just said are first anniversary: last week I myself made it grew pale in TAT, but are you both in our thirty one baby said poor Tom I bought a home in twenty nineteen, you don't really. It concerns about a kitchen remodel. They're, pretty crazy, especially in this area. By let town home likely to cause around twenty five, thirty for the remodel. We back got thirty gay seemed I got him. What is

I gotta figure out. If we're about to do something down by you know, investing in a remodel, verses waiting until later did just really figure out if there's any guide Did you all have in terms of making? That decision is that thirty thousand, that you have is that all that you have her that's above and beyond your emergency fund above and beyond, specifically for. The house in Britain are home and bring it back? I want. Question for you, Chris, the quote that you ve gotten on. Kitchen remodel of twenty five to thirty have you got an actual close There is not just a one finger in the year, guess now, we ve had about three were asking me. So really about China. Narrow enough narrowed down and make a decision in the gas is a lot of money or done if they got it, that we should actually do it or not. How much is your emergency farmer

we have we usually carried about six miles. Any it's about Ninety five right now for your wife, ten deasey, but I'll grab yet I need you to update a load a bit, the I would definitely say about twenty five in Washington DC. Then you come down to about twenty five thousand dollars for a remodel. Here's my philosophy cause for remodeling I'm gonna, wait until I can afford to pay for it twice. While I'm waiting rushed is I wanna get several quotes from other people to see if I could find a better you right now with everything housing market boom? The way it is a lot of or trying to remodel prices? Are goin Sky high rise? Crazier now have you know, and so, if I was, you are what up my murders, he fine, especially being a Washington DC to at least twenty five Kay.

And from there you have twenty five k in your savings account. I was in the next six months, the next three months trying to get dead too about fifty k for remodeling, find you certainly do many thousand they may be used to other thirty thousand dollars to do some other around the house, but just my personal philosophy is I'm gonna wait: any kind of remodel interact afford to pay for it twice. When I get that number I'm going to do a lot of research when any view these five different people was those five different people. Almasy was one comes back to the one route, then we'll pay cash for it, as and it goes on ashes ashes. My two says brother, but I would deftly up your cause. Washington DC exe, its expensive and- and I like you, I, like that advice, Anthony of pay for twice, because even if you dont need that you have it and house remodeling projects, anybody that's ever Dunham knows they always take twice as much and cost and take twice as long yes twice as much money twice as much time and in that becomes

major headache, if you don't have it so you death, I love that advice. It's really good. The other thing I would throw in their Chris. I think you said that you guys are newly married. Just take the consideration anything else that may be more port next year that you'd rather have that money. For I don't you guys are planning to start a family or anything else. No, have you two hostile you're jobs are, but just before you spend that money on a kitchen we model, which is not a bad thing, but make sure that that's more important and like a nursery in two or three years. If, if you want to do that to adjust it changes, I mean it just changes. You're you're perspective when think about all the things coming down the line, and then maybe the kitchen remodel still happens, but maybe there's happens in a different priority order. Then you really have plant when it comes to remodeling home. We know to touch the normal, wants a kitchen ladys, we'll get a kitchen when he first welcome is a kitchen big enough. It's a nice enough dinner master bedroom. And then his out denounced it s a the fish, what liver room space so crazy to me, investment is a wise, investing too

for a home building process, but just makes financially is right because they say it beginning a cloak for twenty thousand dollars. I can almost. To you, you gonna end up thirty thousand. Now, yes, and so what I don't want you to do is have the money right on ahead and they now you gotta, go into your emergency. Fine to finish his pride that's another reason. Why say maybe you can afford for a twice, you have some actual over and then give them better clubs? Yeah, and it's for two reasons to its, not only because you don't wanna be stressed if it costs more. It's also they get in there. It would only be an extra two thousand to two when up this wall when it makes the whole ruling on our while we're in here we want to do that and if you had the money it you'd want to do it, and you just dont, want to be right on the line like that. That's a great M great perspective. You know one Anthony when my husband about our house was about eight years ago. We didn't have kids, we ve been married a year and there it was an older how's. It is another house it was built in eighty three. There was a lot of stuff we want to do, but we prioritized it

based on what I was saying, but the kid so, for example, the laundry room in those old houses opened up to the kitchen was in the kitchen. Basically, I can just visualize hamper everywhere with clothes, and so we turn that into a pantry built on. Drawing room upstairs later years later built on the deck we wanted. Now I went into the deck first, no one! You know EAST prioritize it based on your life plants. I just think that through and then save up a little bit more, that's a great great perspective. We ve got a call from Victoria indicator? Texas, Hey Victoria has a gun harry. I'm gardener, you good what your question for US I'm gonna give you a bit about me and then I'll give you my question, though I remember arab relationship where I had like no freedom Now I have freedom and I basically starting over an starting over others. You know mom for eight year old and I have about fifty thousand dollars worth of debt.

And then nineteen thousand dollars in dental work. But I need time and the interests of my daughter. Forgive me, But she really interesting. You weren't you! I start. Do I go back to school, keep my job in work on expenses and work on moving out by both parents, like I'm just curious on where the good start for me to get through. I, joy, support myself and my daughter alone gas war. Small, you are a hero and you are enough for your daughter. I am a daughter of a single mom and she raised me for most of my taught at a single moment and you're here. Let me just say this and I want Anthony jump in here too, for we have to go to break write it down. On everything you want to do and when you see it on paper, it will take to overwhelm out of it. When you see it, you can do it. You ve seen a right now. What do you want to do and prioritize those things? Those?

pensive debt, small! Some are just step link it on our every dollar budget. Writing it down. I think we'll take so much so that other well out of it. Well, this wraps is power at the ranch you. So I want to thank pretty Sir James Child assess it pretty circulating on and I proposed Anthony O Neill. Is there anything so guises Kelly assessing producer for the rams? Shell? Did you know that over sixteen million people listen to the reins and show every week and a lot of those people is one of our six hundred plus radio stations across the finest station today, Ramsay Dakar, slash sound money, Isn T always going. We talk about around here. Get life. Changing advice on your career, for my good friend and career expert can call on all my can com and show. According to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're, just trying to make it to the weekend, can Coleman show is for you, everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is. You were born to do and then we'll help you create a plan to make your dream job a reality. You matter and you have what it takes joined. The conversation on the CAN Coleman show hear more from the Ramsay network, including the current common shrove work. Ever you mentioned about Judge, hey it's

producer of the Dave. Ramsay show this