Well. She solutions broadcasting from our car rental studios edge that day, Ramsay show that is down measures being taken in the bloody w. My closed on the show today rooms, you personality number one bustling Christie right joins me. As we talk about your life and your money, it's of recall a triple eight eight to five five, two to five: it's free. And some say the advice is worth exactly what you pay for it. Eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five

De Tyler's Gostar Dissolve in Kansas Tyler. What's up, I do. Thank you for your time, sharp Christiana, Hilda sitting in a situation where I'm going to be laid off later this year and we ve been put not with our money. and I'm wondering, is attacking the charge that do not worry about my salary like what? What are you suggesting? Just anything anything that I would think that would make me feel I've been in engineering for twenty years and I think I'm gonna blow job answer. My wife is pretty supportive casting off an isolated regions. Might again, I'm just wondering if I should be able to take the risk of your input on nobody risking your me. What are you gonna go do I guess you something vocally I'll figure, maybe even teaching schools, something I'm not hearing shopping yeah,

you said, your burnt out and you're gonna be laid off. Sorry, you saying to just do something now: just switch, now or go home plan for that whenever you get laid off, I guess I'm just there seems like some gaps, Tyler Yes, I really don't want to do engineering emancipating about to do what the retail and even get minimum wage something dimmer! That's ridiculous! Ok, that's ridiculous! You're running from something not to something and are everything you're describing I'm hearing is just like roll over and surrender and let life roll over. The top of you will know thanks Michael participate in that plan. Now you need to come up with a new dream: do that's better than engineering, not working or big Mars, four freakin minimum wage, but would it now I've, been doing this for a while, and I guess I can't reach the point where were financially independent I should go my how forty three ok sure you're gonna do

lame o underpaid work for the next twenty five years, because your financially independent, I'm not doing their job and financially independent for twenty five years. I guess my wife told me: I should do something mentally stimulating and deciding what here's the thing, tat and tat the whole premise of what you're asking me cannot either make good money as an engineer and be miserable or make? No, and be happy. There is a different option here. Were you make good money and you're happy? Do it has only one or the other of meaning in, What we need to do is step aside from the barn out and say: ok, that's it being the rearview mirror at whatever point you too shy to make that step, but let's run to something that has some zeal to it and compassion and and make some bad gum money in your smart guy, Tyler you're, an engineer like you can use those skills in a different way. Even if, if you dont use in the traditional way, you ve been using it for twenty years that that burn you out, you can still use your skills and do something that makes

and makes you happy now. The thing is just because you asylum policy at ten million dollars? Ok make up a number, you don't have to work. But yet storming you need to go work, brain dead job. You know you need to go, do something! That's fine! that other stimulating and that your wife is right that that benefits society in I don't make more money than you ve ever made in your life, not because you need money, because your family, something you'll love and you got some passion for, shall I would jump? Can coalmines materials. If I were you and start dreaming again, it sounds like you're. Just your spirit is low. I should like one million doing instead, I get. The news Anthony in our show that Unita. That's what I would work for you, so you need to make change our enemies, with that and depending on money you got no much money is spent on the change. How you make the change will be up for grabs,

but right now I don't have anything. I can check my teeth into to help you with that part of it show now get hold of Coma gotta, can common dot com and start thinking about. You know what it is. It's you smile, do wonders, makes you happy. I'm no word is makes me smile. I love helping the bomb, a great teacher and communicator what I'm doing. things I feel alive and arm. I can do all those things and make money to such down. In its being too, because what I keep hearing Dave just like you said, he's running from this job burned him out or whatever boy it's interesting as if you work this retail job. dollars now, whatever days and you're used to make really good money and you're, really smart guy and you're not challenged on you're, not gonna that either he's not gonna be fine. You think it's fine cause. You escaped the bad situation. You need to find something. That's gonna, give you the dignity of your intellect in your expense.

With the pay check as well, will actually be proud of it and have fun. There's not because you need money, no, now being financially independent. Just allows you to do something to think about freedom, it doesn't mean we have done it down the purpose of becoming Naturally, in building a pile of cash live like no one. Also that later you can live like no one else and that's not living I'd That is why this in Colorado higher net power, you Try Dave! I love you! So much love you, I mean. What's up So I bought you a burglar torment make over about a year and a half ago, I do explain to my husband, anything and I don't even know how to begin to talk to him any more about it comes in ongoing fight where marriage counselling, because I too, on every

but I did so. I know you don't need to spend everything you marry keys. I finally organs heard, cannot spend my money and, unlike our but words outlined that stock, so you can see because from the nice too late not concerns into like you, ve been trying to knock sense into Ramadan work, so knocking sense, and we were usually work so your emerge governing for real the outer seriously in marriage counselling cause? The fighting over money has gone to the point, the like we'd. All. We don't really speak some how many sections of counselling have begun to saddle and how we are going to make progress. you? I believe that this is as a session coming out next Monday, with my own, but are you making progress no no about ongoing bad alone.

not the time to get another. I asked about your marriage. Counselling. Are making progress in your marriage are we do fine about money and we shall housing shocks You guys are listening. eight sessions and there's no improvement Could I tried to see her side? Are there not like? Ok, it's ok to take a little out of fine, doesn't have to be the wholesale jack, And now agree- and I welcome home or go about it and then he'll and spending life area, four hundred dollars that I'm haven't make our way. We waited. No ok, you don't have the money problem, give a marriage, stallion, marriage, counselling and learn to work together. It's not about you acquiescing whom we are seeing its about learning to communities being agreeing on value.

that's what you're gonna believe have. This is the Dave Ramsey there's all always arise and break in this time of year. It's why? Please leave home security is having a huge holiday sale. Recently. U S news and world Report called it the best home security of twenty twenty, so whether your travelling or staying put this season protect your home, get thirty percent off, simply safe, plus a free security camera today by visiting simply direct dotcom hurry. This deal expire, here's on Friday that simply safe direct dot com.

my colleagues today on the river empty shell gritty right gravity, personality number one for selling author of the business cheek morgan- is whether to start this segment off from Canada. High Morgan, how're you. I am greatly Thank you too. You angry super taking my call dates and honours, because you too, how can we help? My question is about life insurance and whether or not my wife- and I should at this point in our lives we just we just completed few online. I won't be receptive to about halfway through our Dutch, with that thirty thousand left enemies back he got free by the end of november- are also it is about a hundred seventy thousand before tax were coming,

renting. We don't want our own home yet, however, find by out from the next year a year and a half, we don't have any kids or dependence, curly, my employer. I have a small amount of life insurance that gets one time my actual South one time my annual salary from my wife does not happen through our work or any other form of insurance Elder Edward. The irish thirty to thirty. Ok, we're just! Why If we need more like unsure before you turn left unturned, more my employer provides shouted. His point highlighted We await the alligator because it What happened to you! We're not gonna happen to her. Your life It's gonna be materially changed by a lack of money. and so we have to. We have to supply them, for that loss, and so it's not is.

It's not as acute the need is not as acute as if you had three kids runnin around there, but if something thanks to you, our life is in practice a mass and and at thirty two years only cost anything for you too, by half a million You have made on her or seventeen fifty thousand on you surfeited of her it just on costing things cost of a pizza, and so and you know that's the way. I know this increased. You have said so many times we get to talk to the smiles of the thirty Earl. Wasn't gonna die. Yes, indeed, and how they feel in this just run the picture out. What happens. If there's no insurance or just enough to bury you and you're gone and how and what does that what's a situation financially the structure of your wife's life after you're gone if you get it by cardamon, vice versa, same thing: if something happens,

an you go. I will just keep work and yeah you would, but you would have been knocked over on your head, and you know It just doesn't take a lot of money to make sure that everything's, ok, if it was it, was thousands and thousands of dollars would be different, but it's just a few. It's just a few dollars yet interesting. How you're way out that costs, because Firstly, when you're young, you can get it for relatively cheap and I think people always think of life insurance as just a thing for kids that even how he asked that it was a google how many kids, like a lot of people, often think that are needed. kids, I don't I don't, but, like you said it's going to change their lives and eat your count. For that will be, the need is more obvious. Yeah winners gives us more cute, but the yard, but any out. Would she be able to struggle through some happened? You yeah, I mean she's, making good money, you're, making good money for a time, lanterns. I've never have less than one of you has really kill on it the ones not remained, would she beheld and make it if you'd make and

ninety thousand bucks. You sure she will make it a thirty or so, but there is a gap there and she might. Like to have some other options, and so I would put life insurance on you guys now and get you to carrying that until you have a large enough pile of investments where you don't need any insurance, because your investments will take care of you become self ensure by getting rid of all the that not include your home and you become self insured by the kids being raised and leave if there's kids involved and you become self ensured by the pile of money? And so if you have no mortgage, the kids are growing and there's a million dollars and mutual funds you'll need in church. In most cases, you'll be fine. But if you shouldn't you got her sitting, you got no money and in a little bit of insurance and a little bit of that and a great income, so it's not as devastating as it would be for other people, probably, but yes, it is inexpensive. It is

make sure got life in french and polish, Czech Zander insurance dot com and the help you get a quick, easy quote among above zillion different companies working at the best possible price. Gregson DC hey Gregg? How are you spit Muckle are going up for kind of a two question. First question: First, they know me, I'm a lifeline biggest up to she just A month ago she gave birth to a second child, and now she is she say about our children four year now begins point where I have any more than she kind of. mommy make over again I wonder if you're comfortable, but I don't know how to get that into What we're doing now, I'm sure he don't know As I can tell you right now, Gregg expensive procedure. I would say that that I'm all that they take it but

I would say, if you're on baby set to, then that would be treated like any other expense that you would want probably push after your debt free but Dave you you take it away. Well I mean you don't mind. that extraordinary. Ok are now that the cosmic surgeries, not an emergency, it's a desire and its it can be, in many cases a reasonable desire. I would do that after baby step. Three, after you finish your emergency fund, something in it some, These are the you dont going on. Vacation is not a need. It's a lot by a new couch is now needed to what this is all want, and it's not required for life. If it was a medical procedure required for your life, then it would be a merchant in you'd. Stop everything you're doing right now, and you would do that, but

but it may be of valid expansive. Maybe something you all want to spend money on the two of you when you talk it through nothing wrong with that at all. But, but I would do that after you have your merchants she found in place and after your arm, the after you're out of that, because it's gonna get very easy to save up and pay for the portion of the procedure that yet before our pocket- and I don't know whether medical we'll cover that are not about health by us down depend on what it has to be here, but I mean I got a call today from a guy who are lady, ably was member someone. They had lost like hundred fifty pounds and they were like the scheme. I want to have a shudder when you know put but yeah, like you- went through all bad gomrade. I would want to do that. Cool. I may your dad come here. Look a hundred, fifty piles amazing

so loud won't do that, but is it necessary to leave no insurance and item which cosmetic surgery and yes, I would but would think the procedure was like. He was only merely like twenty thousand bucks reaction, and but an hour. I would spend twenty grand on that yeah, but it's a personal choice. but it's not an emergency. It's just in same hierarchy of parties like you would do anything with your expenses. That is a like, you said, not unnecessary expense, but you just rolling Ok once were baby step, three regional, our re save it for visiting you, don't Paris, France, a reasonable go from salute. Yeah. If that's what you want your money, you have that go. Go! Do it and recommend provided by that. You don't do that when you have don't have an emergency fund yeah, I would say to you: two with Gregg situation is a light comes at least I experienced the stage when we as a family or like ok, our family is complete, there's something so that fills urgent like I just want to get back to myself

I just like myself against here that in his wife would like, unless you're right now, that's what it's like me again and she has time she's. Even me, like shit, like you said you can save in and still have that procedure where she can have our competence. Phil like herself again, but it then happen tomorrow. You domain it's she's she's, just that. I just have a little bit of grace for herself and in the process welcoming spend our time to get back to you. Remember the new devotional get that were measure that your building and that's what's all about, and yet why especially to when you're going through that season, kids of feeling. Like you know, everything going on with your body when you can do you, whether its gopher Rhine or do young or just where your old clothes, but anything You thought yourself, you feel like. Oh yeah there I am for years. I've been having babies

here? Babies like I want to feel at least for a moment every now and then like myself, and so I think anything that helps you do that you now within reach is. It is a good, healthy, think, absolute absolutely is money well spent, but at the proper priority right right, let's get well done. The questions pretty right. My co host today here on the Dave Ramsay show you in trade, your education for anything, but what about

stood alone that well that's gotta, go as suppliers. Financial can help splash financial help. You save money on your student loans period. They give you access to the best network of lenders and the technology to quickly get the best refinance offers that suit. Your needs take advantage of historically low rates with splash financial, slow right guarantee. You can't go wrong sign up today at splash financial, dotcom, Slash Ramsay, for sure. I'd Ramsay Personality number one vote shelling authors. My co host today, here on the day, Ramsay show Open, follows a triple eight. Two five five two to five Casey is whether in Ohio, Casey. How are you don't good! Thank you guys so much for taking my yeah how going up

Yet we are with me in my girlfriend how very near to you do you Dave ARM and we have been living together for years. For a year and a half. I wish we wish. We were turned on Eu Law right dinner, but are more trying to a budget to start saving were on baby step. Mother too, we both thousand dollar saved up our environment they found my both have a little bit of debt that we're trying to work out, then together five year and budgeting, has always been like a touchy subject between ass, a man trying to figure out the bustle, son of a budget leave the best way to talk to her about him. Will you marry me that without would fix it? I ll be the first step to fixing it. If you want talked her a messenger.

but we don't recommend that you budget, together with your room, made only your wife, because there legal implications and other applications or relational implications and so as long as you're gonna be roommates, you need to run separate finances. I mean as if you. Add a guy roommate from college or something right and you still got a negotiate over whose mustard that is in the refrigerator and all that wrap right, but you need to run separate finances and we split the ran which put the cable bill or whatever just like you would with the traditional roommate. But you know. You knew you, then began asking cause if you want to join in,

your goals, and you do that without the benefit of marriage. You set yourself up for all kinds of problems in the event that we don't get married because legally we, u own? Half of his car she owns half of this car. You die now, you're half should now she owns have the car with your mother because she doesn't have any It's you see what I'm saying: ok, yeah how'd you to fifty three percent about them until you were them on actual expenses. Yeah, yes and run separate, so when you got married ass, good ass, it appeared to him why they think are struggling worthlessness Shiva from those you more about have issues financially she arm doesn't really want to share her fire. I natural history. What

we are basically where she sat financially and targets. In an argument. Could she kind of ashamed about her the more she that causes me on wanting to? get married years old waited five years as in five months of five years. Yeah? I listen you do whatever you want. I, like you, said your new to us and when you come in here, we're not Crombie mean to yours Marcie, with your something. How old you guys Ah, above twenty six, ok, I have a twenty eight year old son and if he call me with this question, what I would tell him his that as his dad, what I would tell him- and I love him- is that I would want to this marriage started. Are this relationship probably sit down with some one and do some pre marriage counselling and start to see some of these areas heal

to where we can move forward in the relationship, because a five year relationship that is stagnant is not a good. That's not a good omen for either one of you having a positive outcome. Ten years from Now- and so I would want to see your relationship start to heal these areas of shame that she's dealing she can start up open up and you got you can give us from those areas to wear, see yourselves combining the mistakes of the past and the assets from the past and for richer for poor and sickness and health, and I'm drawn a dark gonna get married but because of Gaza, because that's what I would tell my own sign yeah, and you know that this sort of the kind of thing does not bode well for your careers, your health it. Doesnt bode well for your relationship, statistically the data

and it certainly does not bode well for your your wealth building, yeah, there's a huge marital benefit to wealth, building yeah. I think it's interesting what he said about with his girlfriend and the like the same or regret, because that day seems to be like that the hold up- that's where we ve gotta work in hand, like you said, do the healing, counting whatever that looks like, because if they don't fix that that lack of trust, the lack of connection there you're, never gonna get married you're never gonna make progress. You're never gonna share fund is that we have to figure out. What's going on that, she doesn't feel comfortable enough to share that or or what the wound they are, and once you get that you may just realized like, while that was that was one thing hold us back now we can get married combined finances and, in return, together and I'm a coach people with those same kinds of things in Saddam AIR over the years. I've watched lobby will have some real good healing experiences in the relationship by just working on that young gone. You know, you know when I broke my wife pleasure hardship

emerge or go, turns out goober in I'm sure, there's a crisis of confidence and took a while for her to have trust. Yet again, there said- and there is such a reminder- that reasonable yeah there's such Cimarron money then, when man I got engaged Matt had always been savers still is, and he had a good savings account, and I came in with that, like I was when I was working on baby step too whenever he in our day, you got a negative net worth about a positive. It's embarrassing. Tita reveal that to remember the first time we say and do accepted that gonna, now, you're, gonna bonnet and what he's done positively is be damaged right by what you ve done negative. Thankfully, I actually became debt free the week before he proposed. He did know that the timing, That way I was, I was on baby steps you when we were debating and then paid off my death, a fine old debt, the very next week he proposed to ours to go into engagement debt for what gender bring about that. Listen, you hadn't right and you didn't bring daddy and run. He had positive savings right or it could be the other way.

Right, Lady Mass, which are switch that out but watch interesting. The one with savings don't worry about it, but the one with the dead is all jammed up a bright user embarrassed. It's like he said shining right, and because shame- three negative emotions that draw people's money, crazy, shaman guilt and answer grace for years. health and for the other people in your life around. That is a big deal, and I not being codependent. That's not shamrock. Can you to endorse your stupidity, but because you stupid Son In your past, you give people, shame you know you give yourself grace, and you give your give. immigration that and then the other one cynicism which is where we will be messed over by money people in there in other media. I think

by talking about money, shyster De Ramses, snake or self mental. Let me hear right so, but the point is that there is a you know, he's really onto something their case. He is with recognising that in her, and that gives an opportunity because all relationships are growing, other dying and so there's nobody noticed in the middle. And so it's what I'm encouraging here's to push on this, and you know it's like a healing way that their causes take some steps that cause healing and now move you towards marriage or it'll move away from this relationship. One of the two and one of the two needs to happen as this just hang out thing: it's there. It's not got positive implications for your future. Beyond that's the reason. The budgeting conversation hasn't gone well anyway. So when he's tried to bring it up, it's been this kind of dig hilding cause. There's this this

nation. This hold up this kind of barrier between I'm sorry. I think they they fix that and open up a lot more clarity about the future. A thing is because you will raise were taught him. Other short links is that you know your situation is like everybody very common. That's right now everybody, and so we are seventeen million people listening this discussion right now- and this applies to fifteen million of them- It's like somewhere in their people, are having this discussion is the number one cause of divorce, and disagreement is money and money fights, because when you can agree on your dreams and your fears you can agree on hardly anything It's all reflected in your mind. Really right is my, although today, dear

Ramsay, show

pressure. I Ramsay personality joins us as our co host today. Here, on the day, Ramsay show Rebecca is next in Rebecca in California, I Rebecca. How are you back only high Rebecca, oh, my god, I gave I think you could picking on car. How can we would so I'm calling, because my husband showed that that's why I've come work and he says that he wants to buy a five thousand dollar guy. We just got out of tat. We handed in between Christians are our first car cash and we're talking about

piling up money to buy a house, and I have a dream killer now because it isn't it. You think that you should, you should be able to buy the sound dollar got five, but what does it get. but you're going, are you on on their show your out of debt? you have your emergency fund and you would have the five thousand beyond that, but it would come out of your downpayment fund for your house. My understanding, you want corrects yet we had about seventy two thousand dollars saved, but we're still we live in California, so it costs a lot by a house here that debt scratching the circle Oh I'm buying a house, probably to say more along the lines of a hundred and fifty for a twenty percent down on a home here here. What's your household income we make about a hundred and forty five thousand dollars a year to my husband, and is really unique about this particular purchase

it's a constant guy! You thought you too, that he felt. new to at all. He has a few that he's purchased, but I mean for just been like this valentines for the past year and a half and though I built a little like they were very quickly by five thousand dollars. Then what about my five thousand dollar bagger? You know we really then We really really bad. The downside is that little cannot ask its python. Bargain was stolen middle of trying to buy a house or you're at this stage that you would buy items. If you wanted to know if it's it's just show fresh off the back of the debt snowball that it feels weird, I'm sure

So you know, I think. If you came in and said I want to buy, a father is normally the town. He might have a double back flip waiting. I think so I mean ok too. I pulled me back home and I said what about you now. I've got a backward at that guy you know I really want to have that's really what I want, though, unlike now you're setting back our goal by you bonding by those guys, I've I we could probably say five thousand dollars in cash flow, the gun the other five thousand hours. Now I wish you'd put it back in the seventy two thousand right. We do. We do we feel. So that's not the issue, but the issue just matter priorities which one come show here cares what german I learn! We we decided not know it's just which one comes. First, So we got no organ like this about the time we were the same place. We were, she was drunk

God Awful nasty old, Blue Astro Van with now million miles on the other to tone blue ones like redneck. but you know what I'm talking about your drive and one out there, I'm sorry, but it were redneck godly. We want to do so and in it was nearer then so. driver that she wants to upgrade to a suburban she's, gotta house, full of kids, and you know we're off the back end. This bankruptcy stuff are starting to make some money and, unlike you know, thousand bucks or road. I was thinkin thing was I can can do a lot of work at the office. For that I was going to do from investing in stuff here at Ramsay and she's want to buy a car and so we got in there. think about what we finally shot. I figured out was it's just a matter of women, and so she got car first Everyone says that was done and I've got to do the investing at the office, but it wasn't like we should. You know you can do what

can't do the other right or there's something. Evil are wrong about buying up without argon. That would be really hypocritical or my bark as I own several, but the one I carry on my help is about that so, but the so I mean I'm, I'm I'm I'm sympathetic with him, but I am also sympathetic with you and I will tell you sometimes when I get a five does not regard it does call me Elizabeth Lieutenant, but you make it took a trade off, but that's that's way. Lateness baby steps, seven game right, so I you guys just need to talk through now are you're willing to wait on other luxury purchases to get the house. This is a Jerry Purchase is all it is that which invites in itself is not evil, Rebecca Zena, spender thunder. He was then, and I have been there- the one with the least bad at all it back here, such as the recent I'm going back you're going back to where you were.

It's because you have a little bit of money, not tell you, I'm the spindle marriage and as soon as we had our emergency fund and start save up some money, You have a little money if you're the spending like, but I got it what's the big deal like it's very tempting to get more careless as you have a little bit like David said this purchase is not evil, it's not a bad thing, but I think for him. He's looking at the savings count going. I've got the money. What's the big deal but you're looking at it from a goals, perspective, already? I wonder if there is almost a compromise to collect Dave, said not the necessary bag for gun trade right now, but it does it have to be nothing. Five thousand argon or could he could accept use of these new two guns, maybe get a of the five hundred organ for school guns for five dollars and honour all the ones that you back so much. That would, What's that gives him a godsend of those, there's an hour were made on my work may not. If not, then I think you have the conversation about like you said what comes first and priorities because to you,

you're looking at it as this gonna set you back but he's looking at it like hey. We ve got the money. What some people here, here's a good part of the whole discussion a year, discussing it being a precarious for whatever you do and you're gonna be in agreement if you can continue on that pattern, you will be successful with money regardless, and so it could be that you're saying that you know about you wanna five of our time, well I'll, be ok and delay the house down payment by five thousand hours. That would be ok to that's back when people travelled. Remember those and so I would say rules, but we would all laugh out loud right now and so, but for example, you know you could spend that five thousand dollars a lot of different ways, but in any of those cases it would be ok, but your choosing to delay your house by that little bit amount. When you do that some one! Well, last idea is, I would even say wait until after the house, but maybe you to say you know when we get to

You know where seventy two now we need one. Fifty is our goal when we get to axe, between now and one fifty. Maybe we stop there and you splurge and he has a splurge. And then we re engage the house thing or something like that, you know- maybe maybe there's a couch that you want to buy on whatever it is because none saying that you're stage are out of line with what we teach them their wise purchases there on purchases its the matter of what you want, what you showed grizzlies exactly at what do you want? What does he want and the Good NEWS is we talk about and certainly on expensive thing like that, it's good to know who's the Sabre spender, though, because when I went back to my marriage matinee, I'm the splendor he's the safer, if came to me and said I want above all else nor gun. I wouldn't even question that purchase because he never He never wants to spend money. It's such a big deal when he dies that that such a out of character thing at such an exciting like hell it what's this purchase, let's, let's make sure we got the savings and so on, but for me to know, might into temptation which is usually

it is time to spend ourselves. We know you're out of the discussion to you know it's a good thing to say out loud. Look, I'm I'm! This time odd and saw on the no person the dream killer, I dont want be that person, but you all I don't wanna, be the spender that runs us back into the hall. we just got out of because a lot of those purchases were you and when you bring this pattern, it scares me yeah and that's a fair thing to snap oh, what your weak spots are, and so on You know you're alive at those discussions on the spending and it's all. You know when you're doing this are acting in this way, reminding me back when went bankrupt and it it's like opens up that wound. they now answer. Have that discussion to talk about out loud, then you can walk through and come up with plans to get some stuff you now I wonder whether account you're gonna Persia, a trip on air or a house none Those things are proper, there's not like you're, an absolute eighty, four during one of those others, it's not. This is the stage that you would do those

but only when you both feel good about an option you might be more concerned about his own of spending than you are. This actual purchase might be bought. This look like it did before. They were sharing good discussion. I give a guy, this is that I Ramsay should pay its Kelly associate producer advance, greater effort that Abraham Seashell. This episode is over, but have you heard about an event, product or service and didn't have a chance to write it down? Don't worry. We list everything you ve heard about during this episode in the podcast, show that or had today, rancid outcome. Excellest.

money isn't the only then can we talk about around here. Get life. Changing advice on your career for my good friend and career expert can combine all makin 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. Yours 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 com and show hear more from the Ramsay network, including the current com and shove, where ever you listen defied gets hey. It's you producer of the Dave Ramsay show this