Yeah, The headquarters of Ramsay Solutions, broadcasting from the dollar currently studio. It's the Rams, Asia, where America hangs out, have a conversation about your life, your body, your relationships in your what George came, Ramsay personality joined today by Doktor John Bologna host of the Doktor John Bologna, show John. How long did it take to come up with anything probably hours the amount of ours is embarrassing and we'll talk about anymore. I

cool like names for the show, after old heavy metal bans that they didn't go anywhere. The discussion didn't did really go anywhere, it's fine! It's a solid name: let's get strong Give us a call to point eight to five five, two to five we're talking about everything, and I we got a lobby full of smart vesture prose from all over the country go to see a to everybody, it's great to see their like kids in a candy shop right now wandering and here it so greatly are today our palmed. My kids in a cookie store correct your cookies out there, but this year, but that's a good thing to know that we do every cookies, free mugs, free coffee, all this autumn see a such, we love it just south in Nashville, aright and found this our aaa. Eighty five, five two to five Zack kicks off this hour in her in West Virginia Zack. Welcome to the reins he o a. How can we help? Ok, I'm calling them right, yams pursuing them.

answer additions and of these positions. They come with parsonages, not yet. On the on the church. I was wanting to know what you saw. My wife is thinking that we should just you. A housing allowance and via swear ever had I'm not so sure that, because if I can get the parsonage at all utilities paid, I won't have to worry about any financial decision, but my wife's thanks, but is it not secure enough it's all right I'll need less does want to know what is not that I should discuss If we should just go for the parsonage, you know: what's the free house, with the utilities Baden all that the sub becomes it's just juries what he has thought about! That I'll give you my perspective out, George. You happen or two first thing is giving a picture of your of your total financial picture.

Joe. I am a teacher, but if I take this idea I wanna be a full time. Tat Those amendments that do you. I know about it, Darlin guy? We're gonna debt? Is that. Get yet seen it learns from my seminary, and what's this what's this past, position? Gonna pay? You! forty per day, forty plus a house by the house ok, I know each other right, so they pay all your your expenses when it comes to housing. Yes, so. You have a picture of a house where you are crash in your. If has a picture of a home where you don't cry It's where you live.

in a season when my wife and I owed six figures, she said the doktor to we have but Gillian degrees are how too much too many decrease our house, we sold our home and we moved into a residence all apartment at a university where I worked and we're faculty and residency, we did that for a year and I took on two extra jobs and she was a rock star professor, and we paid off a whole bunch of money. We had about a year that we could do that, If I'm, u, I would sit down and say Doug US into a whole fifth thousand dollars in seminary loans. And this is a way to clear that up in eighteen months or so I would let her know hey our plan is to become debt free. its live in this parsonage ad have no bills were no letter, no internet, no, nothing!

and we're as a failure. Gonna fuck this up for eighteen months or twenty four months MAX. Tell your bosses at the church we're gonna do this, then we can expect a housing allowed in the back in and then go by yourselves a place, but that's what I would in that way you can sit down. Today we can crash road at a destination and in our home? I live in my my son. We made chains that you may go out of construction paper, we set it up. This is short for us. We can do anything for short term we wouldn't bought a house that we could become a firmer house right and not for ever house, but a whole a home until we set set up at home. So that's how much it yeah. I love them entirely. What's the housing allowance, if you took that year, it varies from church to charge you now by about like fifteen hundred a month. Ok, and like John said, if you could pay off your dad stayed the parsonage and then could you take that housing allowance down the line? If you

radio, immigrant, it would definitely cover used as I'm in West Virginia housing. Prices are really well here. Yeah. It's a lie. One or two things gonna happen to be deaf. Free are gonna, have accomplished something together. You gonna have sucked it up for you to be able to look at what we did or you're gonna real. may live in force is gonna awesome. We call somebody else what sums broken Now that we are deaf free, we can start socket away this this living money and continue saving a saving saving in one point, some buy a house with cash by but again put it put a short term lease on this deal should certainly some on the ranch issue, but a short term leash, Elliot every age and the governor and as your way gonna, be working at all, set first of all part time, and if so she then in years, though, right wanting it if she can come in and help with with this shovel to get more income coming any Gus clean up this dead, even faster and get it.

to that dream even faster. You clear as day you'll get a down payment for our emerging fun and get out of their great good for you thanks for the calls that way to go man, interesting scenario with the parsonage as a fund word to say number one very interesting scenario where they're paying for you. Basically, you can live your rent free and you experience something like that in some of your previous careers, where they're paying for this, and so we ve gotta make a financial decision. What does this mean for our future housing? Because I think what the wife of seeing his hey, we don't this war not building towards anything with them paying for our it. Well, in eco feel secure. Somebody else owned your home right and we get that call from renters alot. We get there call from hey. If I just told the house and moved to him the parents me am, I kids and my wife moved in with my parents for a season, and I've done it and for a season there was magical and magical whose heart, but

My case, we learned that we can live a lot smaller than we thought and every house we ve bought since been actually small. I mean we need changing our whole trajectory of our life. I got rid of a bunch of stuff, we live a lot lighter, and so we learned a lot about ourselves and we paid off everything and it set us up first the next several decades of my life, because we we made a hard decision there, the middle it was not a two or three year decision right. It was hot.

with a little one and to working people, etc, etc. So it's meant to catapult you through the baby steps faster, a short term plan with an exit strategy. That's when it can be applied. We wrote down the plan. We are very clear and then we executed at plan right, brilliant and that's the way to do. It gathers tat man. This is the reins he shot. You know, I heard a sad and touching story recently. Zander insurance has set up a scholarship for children whose parents died without life insurance, its touching, but also sad, since it's a situation that occurs all over the country and can be avoided in so many cases this

The reason why I talk about Zander and term life insurance every day it's not expensive or complicated, gotta, Zander, dot com or call eight hundred three five, six, forty to eighty two, so I don't have to keep talking about these sad stories, for most of our state, financially very to sell a house comes down to one thing: equity now, equity is a charge any word, but all it means sake. Your home is worth more than what you owe the bank for it, and since home values have been on the rise with last several years. Many folks have built up you guessed it equity. How much of the home you up, So if you ve been thinking about selling your home, the first step is to figure out if equity is on your side, because you want to make money on the sale of your home right if we equity

good. It might be time to go ahead and get your home on the market and that's when you need to find an experienced real estate agent to help them Real estate agent does way more than just schedule showings. They know how to accurately price your home get. It front of hungry buyers and help you navigate negotiations. That way you won't leave any money on the table connect with a top reforming agent check out our nation wide network of endorse local providers or E Lp agents, These are the best real estate agents in your area who ve earned the right to be Ramsay trusted. Our agents committed to excellent service into putting your financial goals first few unchecked, just gonna Ramsay solutions, dot, com, slash agent can find a trusted pro in your area. That's Ramsay solution is dot com, slash agent I'm George, camel host of the fine print and Andrzej leadership podcast joined today by Doktor John Bologna, we're taking your calls triple eight eight to five five, two to five

LISA joins us in Minneapolis LISA, welcome to the Ramsay show they travelled absolutely. How can we help so unkind. Because on and were here, Mary I'm off. We can gradually from Moscow huge lot alive change here: ass, a bar yet in others. They just went out all over congratulations. I didn't think you appreciate it. I have forgotten dies and tat from Moscow alone. In that same sixty from undergrowth. None, none, excellent. Yeah. My dad is a very bad. Poland of living. That three fell by a bridge was very much so structure on the principle that were empty teaches at all recall fortunate in that sense, but my husband, it's going grad school if he has another year.

How graduate in December of twenty twenty two, and so my question for you guys we're ok I'm paying off my got now batch The government is an acquires the pay off anything right now, but I know which should or should I be mighty king cash for the rest of his going that he has said option is he goes into debt to continue grad school or you start paying off your loans right. Stop the bleeding yes, ok, so hey you score cheap cash Garrard. Yet we want. Among the damage here going forward for your debt, your debt payments, so as on can you cash flow, the rest of the school year grey and as soon as these out Does he have any debt so far, like twenty thousand, some last trimester

So I you guys at about eighty grand total in debt and that's all loans here. Ok, Yes, let's cash flow, the rest of his grad, school and we're twenty twenty two, he graduates, junior twenty twenty three its game on we're gone Gazelle, intense with, hopefully, amazing salaries. What do you think you're combined salary will be that point I'm really over. Two hundred it's hard to know is how the airplane it's not hard to now sure normally apples and saturated Martha stuff, if you, if you're making two hundred and you get eighty thousand dollars and debt- that debt. gone and under a year your aboriginally. Ok, I'm gonna get a getting you're gonna take place is on the side too. He's gonna see people in the garage. I can do it every gotta dig it that get rid of that, and then It's gonna on a two and a half your plan to be completely debt, free and then you're off the races and now you're, making two three hundred grand in a few years with no debt,

He had you guys are young. How old are you to twenty three we, this is what I like the way to go. Lisa we're so proud of you cheering you on his eyes. He finishes grad school and you guys get this dead paid off thanks for the call Nick, Brings us in Annapolis, Maryland Nick welcomed the Ramsay show. How can we help. so I, few weeks ago managed to screw my car up pretty bad I got. It knows we should start by sound, pretty bad, I'm not sure how long had left in it looking at the used car market and with everything so inflated feels like my almost you'd better just by you, was wondering what I should do in my situation LE questions here, serve you taken. It did get it looked at sea about fix in it, yeah? I got a. I gotta fixed up your birthday to get better. Do that? Still,

the target to be on its last legs pretty soon. What makes you think that sound steering pretty bad There is already a little Kay Connell to begin with, ok Sometimes I have been guilty of my own life eyes finding problems with things, because I want to change and especially getting a wreck. I have this feeling the cars not good moors and safe anymore or just mad at it or I just paid. Big repair bill, so I hated ads that's one dig it in. I is it Dell Alba Car he sick of it. You know it by does it make you managed to get an excuse had to spend five thousand bucks to fix it, or is it really gonna fall apart on him, to answer your other question. I think he the cash and what you, how are you getting under car in the market to buy a used car right now, can say that out loud because my wife, dissolution of the show and its for her Christmas present and

buying it early and I'll be by the next couple of days, and cash and I'm planning on buying a car them in a drive that we're gonna drive as family free of long long time, hopefully for a decade or so, and so the the the higher price right now, it's it will make itself up over the next decade amount worried about that. If you're gonna be a car in the cell in two years, and so in two years and seventy years yet be a terrible time to buy any connachar ripe What is you're in even though you think it's gonna be less by a new court where the iron out, I will say this efforts and bananas deals. I've seen that the numbers that dealer incentives for getting rid of new cars and there you can actually walking a dealer by new car for cheaper than you can buy a used car some situation, special comes a truck some things I dont know that's true or not. That's all anecdotal, but I will tell you don't do anything on any sort of payment. I have had my corridor to lead to a definite

defined as the absolute hang on to your comment. So what's here, what's your financial picture? How much money do you have in cash and savings? So incursions by savings, I think you have about a grand today. Ok, granting for one geisler. Do you have that? Only the house, I'll just house, about a house a few months ago, programme graduation, you don't have any dead except the mortgage and you ve got pretty much your basely carbon. This baby step three may be land around. There is this three to six months of expenses, if you add that up, ok, so until that car actually goes Caput and it's not an emergency, because we cannot know this things on his way out. If I'm, u I'm honest the create a sinking fond very quickly where I got every month, I'm gonna throw a few hundred bucks, at least into a separate savings account, so When this card does go, I'm ready,

use whatever money I have to buy whatever car I can get for that amount of money? so becomes a simple math equation instead of well, I could get this twenty five thousand our car noon. It's actually good deal because use they go for twenty six, that's just some accords math there and I don't you find like John talked about so and you create a sinking fund right now, I'm and you must have a little bit a margin her baby steps. Now that you don't have any dead yeah. I think about two thousand: month doesn't go into like somewhere around you got to grant. Are you investing fifteen percent into retirement before that right now doing five percent. I just got the emergency fund How do you fifty yet that investing up to fifteen and do have kids know on twenty. Two ok so all the left over money, after that fifteen percent? That's going car savings fond and that's gonna, be my a one is to get car that I can afford in cash. That is your next golden.

Ten months, you got twenty thousand dollars in an account knife and go buy yourself. A used car- that's not gonna, be Japan Service can be safer than when you got don't borrow. Montana depreciating assets, don't they fancy pants John said a best. This is the Ramsay Show livestock class? A hundred percent satisfactorily guarantee means, even if you miss measure or pick the wrong color, the remake you're blind for free you get free samples from shipping or the new promos they run every month you ll, save, even more is promote. Ramsay to get the best deal, rules stretches apply, there is clear

comes from Caleb in Scotland. That did it right now rough accept, but continue it wasn't great. That's fine. There is question. Comes from Caleb, William Wallace in Scotland enter says my friends gotten caught up in the Bitcoin market craze and are making a lot of money trading. I know your company says it's not. A secure investment, but I have to admit I am intrigued by the money they're making. Is it idea to put some of my emergency fund in Bitcoin and see how fast I can grow my savings, George you're. Bitcoin expert, oh my gosh on ok, so we did an episode on on the fine print all about Bitcoin. We called it is Bitcoin. Your ticket, twelve could Bitcoin beer ticket wealth and it made me laugh at the end. There was to see how fast I can grow my savings in my head. I thought you mean to see how fast you can lose your safety. That's, though, that the question I want you to ask it's a risk,

John. I know you're your big on this risk analysis and what we found was Bitcoin. Is that we're not again? going, I'm not mad at you. If you want to put some money and bitcoin, but this is not your ten per cent retirement were not banking. On this money to live off of it now, if you want, Fun money. If your debt free your already investing you ve got your life taken care of you wanted I'm fine money into Bitcoin. That's fine! Have some fun with it, but treated like entertainment, because right now, that's what it is and so no it's not idea to put your emergency fund in Bitcoin, because guess what, when there's an emergency you're gonna need that money at a needs to be liquid? You need to be able to pull that out of the account and no it's going to be there and with a dry of a dime or Elon Musk, saying something on Saturday, my life you're immersed the fund, could vanish evaporates that frightens me so dont that man put it put your emergency fund and money. the count and high yield savings account and keep it there part for safety. This is not what you want to play with investing

and for those of you who want to use Bitcoin as a hedge, the dollars, going down so we're going to have it. Please don't please, please do just a rudimentary risk assessment on how how currency work don't do that? Don't do that love yourself more than that That's not going to say it. That's a gale of buildings for the question all the way across many ponds to Scotland fun. Now, when we I wish I could to me. I wish you called in, and I could have heard that amazing scottish accent aright, And found this our trouble eight eight to five five, two to five AL. Is in Houston, Texas, old home of the John DOE, welcome to the random show Alan. the World Bank, because I go out and what is a nice? What does tonight.

He knows about mercury out of town right now, I'll boy, I'm guessing, there's a big game. John. Just finally, is a world series at the esters we're gonna win, but whatever go ahead with your question hour, it's ruin or dot com to regulate their own. We had you nice unclear there for a second ok, so one hundred loved by five about way, yeah, he so hard, absolutely I and what had passed away browser cache I am saying he brought. The girls are for two years. Well, Those two years ago gave some eight weeks to love. He didn't good he's a lawyer eyes or I am yellow dad was only the big time fighter ye. Everything I really did Fatima too. How can we help today?

So I stand to allow between someplace. About five to six hundred thousand, I the truck driver for twenty two years now I heard you had shown with that kind of money, drug and trailer I was then still should probably about let's poorer fifteen We shall do our job. Lousy were at my back. Making now using the assembly like It would be a good investment managers, pudding dollars into a good girl. Joel Fund just left? do its job the latter with you starting a business is a whole lot more work and then, if you pay, six hundred thousand into a good grow stock mutual fund and it grows at ten percent with it, turn that sixty grannie right there, which you said you'd like in profit from the business now, if you

to start a business, because that's your heart and that's where your passion lies, then I think you start this business What's your whole financial picture? Look like do you have any debt currently about twenty thousand parliament, and that's it. Ok. And you have a mortgage. Now I would like to eventually by your house. Ok- My question is: what are the what's the whole picture, so we can really look at your goals: Hollis gleamed out all right. If the house is your goal, maybe we do that before we start the business and get into the into the tracking game. So your renting right. Now. Yes, ok. if I'm you just pay, this is just brushing over it. I'm gonna go I'm paying off their debt a one time, thousand our car alone is gone as soon as you get this money for by I'm gonna pay cash for my first house. Do that as a way to honour my dad and the legacy he left an absolutely blades and the actual you in fact, the there

The money I'm taking forty one hundred hours unplugging it too is God, that's what you would want to deal with it awesome the drought is, it is. I must employ wider global. I just one make him proud when Do you expect to receive a check. it's going through probate late. Now so. Are you really feel about a hundred fifty men inherited along, came and less to the eye as yet another true to day, I would say These were ended a year. And then use another two hundred change invested a building their leave. My brother now own outlay. Depends on when we saw that all that stuff so kiss. I want you to do.

I want you to do nothing for six months, that I came and this is the advice that I was given by the guy who, who trained me increased. response and its wisdom that I've passed on over and over nothing will make sense for six months and you gonna think it one day and is not the next day, you clearly loved your old man. He was an awesome guy. He You a legacy. He left you with with you, your brother with financial security in Europe grieving s and letting the settle for a season. I don't want you to sprint off and say I gotta go to this guy. Go to that own spinach money before before. Even the Czech in your hand, I want that money. Get to you. If it's coming different investments. You may want to hang on to some of those investments in not care the mouth or you may have to take a grudge, withdrawals from independent. Can accounts era so clearly set without a smart, Mr Prodi, to walk through what you ve got.

But I want you to hang onto this for six months dream a little bit think about a little bit and maybe I to get added trucking altogether or love. What I do now choice when my dream, like George, said I've wanted to have my business forever are. Actually I want to buy a small house and settle down for a season and become a local driver right. It's all those things It gives you some space to grieve some space to make some those decisions. Thus on ok, you have those of you very cool, we'll be thinking about you and your family pray for you and what cool legacy that your men left her. Unless did you the added value or lies in those days, locomotion Are you sure you want to try and like all that matters is permitted with their life and I love you so much for the corporal. Thanks for sharing that story. That's awesome, John. I love to hear situations like that, where it's not easy,

but it makes it easier when you're not left with a financial mess. Instead, there is a financial blessing on yours. It's such a to be able to say what do we want to do? Not what do we have to do? You got options, that's why they s legacies. You can leave well so funny. french legs he's a great, and so Just imagine my kids in rats in annex I love me. I can Think of anything more credible while very cool ass. This is the Ramsay Shell

a strict, serve the day comes from second articles. Fifty seven but ass for you be strong and do not give up for your work will be rewarded, Christopher Columbus said you can never across the ocean until you, the courage to lose sight of the shore amazing. We had quotes back than John who is right in these down. Fourteen fifty's I'm calling none about that and he's gone the bluff on our behalf, our hey. I'm George Camel Ramsay Personality host of the fine print podcast aunt, Entre leadership, podcast joined today by the amazing Doktor John Bologna hosting John DOE show you can find, although shows on the Ramsay network, Were you find podcast? All the stuff John Show is on Mondays, Wednesdays Fridays. You tube podcast, it's everywhere. get away from a John, a poem.

You do, but it's all joined alone, eclipse you ve taken over I view this. It's cool as every day I don't get just do a series like you'd that hurts its jobs out of work, we put into our beautiful narrative, storytelling, Podcast Pastrana episodes and call a good for the year were whittling away with a little pick to make perfectly crafted their little. I found a glitch in the matrix. Congratulations. I have to show up every day to record my. Yes, that's cool man, hurtful good work, adds had been a phone right guys, John clearly, to two hours and forty minutes is our limit together for John getting there's about the pop in action on show up every day you they're, so it's ok, well, the way to avoid all of this is to go to the phone lines. John! That's where we do our best. Our best work and Nina is on the line and Pensacola Florida Nina come to the Ramsay Show. Thank you for having me absolutely how can join. I hope I have a question,

about trying to minimize the accumulation of interest on my arm. on my long. Ok, I'm allowed on stood learned. I have federal student loans, I pilot loan and they have and credit card. Ok, so You want to minimize interests. What was the thinking behind minimizing interests? Just you, you don't want to pay more than you have to pay come on. Ideally I would love to be able to start building it off, but realistically, I'm in an intensive nothing right now and I dont gradually until after the summer have next year, arms. I wouldn't start looking to start being it also she tried to transfer my credit card there on to get. You're, a pr fur at least a year. Try to get that interest down on.

I don't know about long consolidation if that would help, but try to get the interest down Are you continuing to take on debt, as you finish, this programme ah, and finding ways to pay for it on, as does masters come I'm not. Any Myerst at all around them. taking out any private loans at moment? So what are you taking out to pay for this. I'm the money doesn't coming in from covered, lay gum This goes in money for covert way relief funds and then everything that fuck, my parents And help me to cover it the interest has been paused with the student relief extension being in place, until January. Thirty, four, so February. First payments-

gone interest back on, and so do. The best you can do is pay off your loans. While you can right now, but it sounds like you: don't have the cash flow to do that as you can to finish this programme so the only way to minimize interest on loans other than refinancing getting a lower interest is too we pay off the debts pay as quickly as possible, and so that's why we recommend what's called the debt snowball and it sounds counter intuitive, because what we say is hey nor the interest rate you're just gonna list the debts from small to large ass, the balances you're gonna pay minimum payments on all of those debts, except for the smallest dead and all that debt to attack it with a vengeance with everything you ve got with side, our money, any income you're going save your expenses down a bare bones and attack that debt, because once you do that, you free up a payment you're making on that debt, and you use that on the next day and the next that is that so that is truthfully. The best way to minimize interest is to get rid of the debt as fast as possible. Both

since you're still in school, and I do know especial medical, intensive, weathers nursing. A nurse practitioners. Are you in your clinical rotations immense quarter? I We stand. Those are thus take up your your your entire life, your work, ten to twelve or fourteen our shifts and then you're doing class work at night in your startup internet. Over again, your goal right now is to get through school, with no more debt. Stop them. Leaning, ok, put a put a plugin, that in that drain to the waters and keep coming out trying to fit the drain as a matter. If, amid friend, focusing that matters, if the officious all dreamer at the bottom so stop the drain sought the bleeding these as many metaphor, Isms guineas theory of minus one Collado, medical allowing allotting too many bite. You stop there and then, when you get there with school, you gonna have to make It meant to yourself that you're gonna do a George just said: put those destined in order. Smallest largest and you're. Gonna start knocking him off

you're, not going to buy new car, and I could go by New House with your big nursing, salary, you're gonna, just spin that first year, the first two years, gettin out of debt- and you can get yourself up for a lifetime of peace, guy good for you. Thanks for the call Nina weird two Selina in SALT Lake City Selina? Welcome to the reins he shall I thank you for taking MIKE absolutely. How can gonna help? Ok, I so my house today earlier today, regulations. Thank you think Currently am I moved out estate refund you torrents are currently in a higher, then my mortgages, but I felt my house ok. the money. I intend to pay off all my students, wonder which is about thirty nine thousand. Well, I'm gonna take five thousand arms added to my people to bring that up to fifteen thousand and then I'll. Have Two thousand must over, and so my question is: what do I do it now,

because I don't have any repayments credit cards, I don't have a mortgage and wanna just put it in a bank in habits of their debts, so selling this house's catapulted you from baby step one to four pretty quickly? Yes, where you gonna, live Currently I'm in detail, I will cheerful work from the basket better use renting informant. Yes, writing. It come on. The market here is actually worse current. Maybe I'm not very nice. Candour town on they run about like four hundred thousand. Watch out for out for outdated candles that need all been flying and then on a busy street in a corner spots and I would like your next goal, so you you'll be investing fifteen percent with this new job, I assume into retirement. Earlier a precise and that's another thing because of my age I dont know if the unifying should do their the traditional or the brush. I struggle a fat

Currently I've just been eight percent into my. How old are you at work? I'm forty, two! Ok, I'm a union definitely connect with a smaller rest or pro in that area to go hey. What is my best bad based on what I want to retire, what my goals are, but on the money side, once you ve got, I would bump that up to fifteen percent, regardless of its institutional Rauf. Don't let that paralyze you in your decision. Process, but once you that sounds like your neck skull is too roots there and maybe get a house, I'm anonymously, throw away. You am I gotta tiers of high school, and so I just I've uncertainties right now, she might be moving again in a few years, I'm by might be, and so on. Taking order by a house then mean either here somewhere else, I'd like to possibly that money work. We somehow, but I just don't know how you do. I open up my own backyard, accounting and beyond. I can t be right. Company

return at once. You know what I would appeal to use later on beyond the fifty percent it comes down to hey. Do I want to save up for a down payment in the future, whether its and so city area or elsewhere, and upon that money in a high yield savings account and get a half per. If it's gonna be long term of its four talk and three four five plus years, you could put it in index funds and vanguard. You could put its a mutual funds too, grow at a higher rate. If it can be short term, I wouldn't go investing into the market. Yet, especially if he D, what the next few years looks like. Short term and be at them not gonna, let them for five years yet one one or two years, if we're talking, the two years, that's too short for me to be jump into the market, but that's long enough for talk three to five. You can

that in some index, funds are mutual funds and let that growth thanks so much for the call upon our John, our thanks to James Child producer, often Selby on the phone screening Kelly, Daniel Associate producer and you America thanks so much for listening until next time spent wisely save intentionally give general. This is the range hey. It's Kelly says you pretty. Certain funds remain for the Rams issue. You would like to do your name priest, green line on the show mixture you visit, the Ramsay showed dot com and register with library to cut ass really tell day your story if

getting for fun and practical ways to save money in your everyday life. You need to check out the Rachel crucial podcast from money, expert, Madonna, Rachel crews, guises rates are created and I'm so excited to tell you about. My party has a lot of you. Darling paychecks pay check their end ass. You don't even know where to begin that they have this need. This wants to get in control of their money. Tennis match you. You have come to the right start. So neat emphasised during at a time of inspiration and practical advice. Not subscribe to. The rates of crucial podcast makes review it. Today there are more from the Ramsay network, including the Rachel Crucial wherever you listen, the pod gush hey it's James per serve the Rams issue. This episode