From a resolution broadcasting from our car rental studios. It's about Abrahams issue, work that is done gauges gaining an awful more treasure, taking the place of the Bmw status symbol of choice. Thank you for joining US press. Open, Ramsay personality is Michael vote. Today. Is we take your questions about your life? Your money, open phones, triple eight, eight to five. Five. Two to five forty one percent of Americans make new year's goals and resolutions. Only eight percent end up

sixty percent already throw in the towel whether started man. That's what Then here's what we know. We know that people don't set goals because they dont think they can hit em right, I mean eight percent, only only eight, I mean that's why we call people successors, Lee Successful, I mean being able to stick to it to be able follow up, and I said this: a dream is a goal without a plan, it's a wish. If I have a plan And so what do you want to dream? Yeah, you do have to dream. It's about. You don't wanna, be a dreamer no No, no, no is, by definition, is someone who does not ever implement any freaking our work to do the during that's right. They just bump their guns and talk about it would be nice one day like if your daughter comes functions on writing a dreamer. You go, oh god that live in the basement order, as is ain't, doin, honey.

I mean you wanna, be dreaming but dream to get the clouds blown five it and puts more closure and knock things out, always wanted to dot dot dot. Ok, then this is your year. Oh, what is it you're gonna do. And here's what we do now. We do know that we all even though its unpopular and politically incorrect to talk about winning verses, losing we all. Admire people. Achieve their goal. We call them successes now. Sometimes people only way out it's the tall poppy syndrome as the austrian colleague, where we stand them up only in order to knock them down like we thereby to be successful, but issues they are. We have to do something to make sure that there are not bad I got some Amr jerks, but that's, but some people that our successes, but by large people that are successful, work very very hard to get there. They ve done things that people? Would you do?

If you want throw a ball, I Peyton Manning. If you wanna, had a golf ball. You know like her, your tiger right, requires hitting that training that club into your hands bleed. It's not like you. Three hours on Saturday angle of the herd is not just a natural, you know it requires freaking work grind. It really does so yea AIDS and Yet people want is Iowa hidden earned. Never she didn't that's not really any of your business to start with. But let's work on you you, how can you basics, for it is by shouting gulf that really is and Dave. You know. I've been here of a part of this company of war on sixteen years and goals. Is that as a topic, we ve taught on a lot, especially inside of Entre leadership, where we're working with business owners, business leaders, people that are helping other people achieve, and so a part of that we have found that there are five things, that your goals need to be number. One specific. You ve got to be cut

really draw auntie em into what is your warning to accomplish, and you need to be very specific number two. It needs to be measurable. You need to, To see Emma making progress towards this, or am I not right, and so I want to lose weight, not good enough, now, because that is measurable round its, not specific right our lives thirty pounds, now we have measurable criteria. The first two and we have specific I won't, make more money, more work, how much more and measurable and specific, a hundred thousand dollars win over ten years or, if this year, what what go where aiming that's right, then I bring The next thing in which they were talking about a time limit So you gotta have a period of time that you think I'm going to achieve this by this. So as soon as you do that the math picture, though sorry thank, oh it specific, its measures has a time. I'm almost thirty pounds went over

fifteen years or over fifteen days, Robin are gonna happen or, let's say over ninety days. Ok, if you say thirty pounds overnight eyes, thereby do the math with Morocco, ICT and pounds a month, two pounds a week increase your water intake increases level, at least thirty men today to San Jose lady. We push back some push. Our pushups push, wherein wit aiding the white stuff, the bread in the rice, and I'm really know what to do. You know it all right. You know what you're gonna go do right, and so this is how you lose weight. You eat less, you exercise more directly in so that any new can look at it and go after a week, I'm up five pounds a sort of down two and a half. I don't think I'm had, nor my got their physical measure, both specific gets, broken down then into incremental thanks. I want to write a book. Ok under twelve chapters of the chapter a month for a year or two chapters amount for six months, they have done it. Your move, em and so you ve got specific, measurable time limit in writing was the game changer for me even

back in college days. Our coach would have us right down. What are you gonna do in this upcoming? Bulgaria and Romania yeah right it down and things like Georgia or how condom Mozart number tackles you and our think fourteen fifty, each other's law, no real nano, because I put it down in that little man which we all and if you didn't hit it, you ve felt accountable and these people you you were coming over the militant middle leading somebody I was doing the fourteen fifteen times that scares the crap out of my understanding. May my heart have makes me it makes much higher class pamela good over here. Listen here, so dismissal! measurable, have a time limit, been writing and this last, when its huge, its guy to be yours, and as we talk, but this other people can have goals and thoughts, and I live one. You may lose y know award, I'm gonna work, your your dad wants you to become a pastor of guy, I'm gonna work on. What are you sure it's gotta be yours, and when it matters to you, I'm gonna tell you something. I talk to people Deva my show about this, the sea

To setting goals, I want you to identify who wins when you win, think about it. If you get healthy, your kids when cause you're better, but what are you going to sacrifice in order to get that win Patrick, did the opposite, he's not written in the front of his Bible, who would be admittedly affected if he ever fail in front of us by reach that everyday guph. The number of lives I would destroy. If I make bad decisions- and this is- opposite. This is, if I make good decisions, I can change. I'm a tree. That's right! I can give to this charity. I after this ministry. I can a business and pig people jobs I can. If I win, this, is what happened in that right down. He's got who can be affected when you that you have no, it does and it changes the mindset around it and it's really important Dave. I know you ve also been around zig for many years. I had an opportunity to meet him through you that may a game changer, but he talks about seven areas there,

we called Willa Life, financial goals, intellectual goals, family go spiritual, goes physical bills, career goals and social goals, and they are all intermingled late. You can't just, In our view, when it finances and lose your family, you missed it. If you family in your ball brokers, you never work, but our buzz really nurtured. Then that's probably not a good plan either right, Shall I mean if you win at your work and your family, but you let your foot physique get completely out of control right then you ve lost. I saw these things are intermingled spiritual, those hey America, Watson in every eye, Dave which area gives you the most challenging than the seven social.

absolutely hearings as if I were married to her own personal. That's not true. You just would certainly said, and I do so in the same person seniors. This makes my hard happy to ask you: how are you going to cross the metal fourteen down as another girl named there's a crap out may understand the folks at some girl, specific measurable, have a time limit and in writing and most importantly, they need to be your gulls. This is that I am sure

got a lot on your plate, a job, your home, your marriage and your growing family. While you are enjoying the present, you can't help but think about your future and your finances as you explore your options. Consider christian healthcare ministries or c h, M for your health care. They're, generous maternity programme and budget friendly monthly programmes have been a blessing to members. Welcoming children into their families, visit C H, ministries, DOT, Org, slash budget to see if its right for you that c h, ministries, DOT, Org, slash budget

resolving Ramsay personality is Michael host today, thank you for joining us open foliage, a triple eight to five five two to five Fairfax Virginia is whether nanos on the line. I not. How are you

A heavy for thinking like all Sharm, I'm on baby steps for uncurling, renting an apartment have about big boys. Two thousand dollars saved up my savings accounts. I, how, on? Why am renting a putting money into the house? Beatings and I recently opened up in American, which often account Luke of like did because I live Medici male ever gonna make a call to marry. I was extremely expensive of enough big it about moving two thousand about a year or two to purchase the home. Would you suggest that I buy in the air it now until I flew down, fell in a few years to by all my know, how you are about purchasing verses, Rente Belt, Well, if you're not only there but a couple years, I'd probably way you can Could I get stuck on and you can buy a home in this white hot, real estate market right now in the morning it slows down two years from now when you're ready to move, and you couldn't get out of it an alarm that short a window? How old are you

Thirty one, not really that play a time. That's the point to become a homeowner overly sometime. I wouldn't want to be renting and over. Ninety four: that's a bad plan. on average mathematically, but if you about a year or two in order to not get stuck into something. I'm fine with that. What are you thinking about living worrying about ending up arms? I worked on it Our government, with HF without thinking about relocating, include Atlanta area of work for the city thingy. So you out with think about smart goals that can happen quite Margo did border it. I'm hoping that in our time period can move doubts at Lana where the homes are of a cheap her. By dad I mean To my mind, a hundred thousand dollars a month is that my house, they leave the cow on fire emergency theories which already cap by then I'll probably have additional like every twenty grand. They learn. Everything and courage. I don't know how to stuff works in your world. Why can't you do it now?

Oh, I guess I'm just more solemn, paralysed by fear the idea is afraid to buy amazed at the biggest parties. I've ever met on how about homer to Atlanta alternately because I just got my better old job back in August, but go about four five one, so it s kind of waiting to get a higher greed? Ah, before I can not applying for positions within the city, Hunker Roger will listen. I loved the mindset that you have in the level of focus that you have you ve got time frames. You know you're trying to move up in class and then be able to transfer, but I will tell you this: when you get ready to move to Atlanta, I think, is an excellent idea for you to go there and rent for a few months get a lay of the land under, in Canada zones where to live, where to avoid and figure out where it is. You want to be. Then when you are ready to make that decision to Tipp to be somewhere for three years or more than I think, you're ready to buy. Yes, I think I do

Atlanta Astonishers career, allows you to non when you're ready to buy you. Have you therefore the while the runaway cheaper. That's right, maybe dependent where you locate Atlanta, but for careful about it it should be checked and that will enable you to buy faster, but you don't have to buy simultaneous with move Fact: I'd get down there sooner rather than later. If I were in your shoe ship, that's for the long term goal I wouldn't put but you gotta get your great up, understand that and not build the move that you're talking about that it within career structure, what you're doing, which I know nothing about, and so good luck with that are Eggs, Witherspoon, California, high Gregg, welcome that ever amnesia they give it taking how germ what's up? Oh, my dear pandemic, my wife, lots of job and then I was put on reduced pay and ours and drought

not even able to save money. I get her bow thirty thousand feet over. We do other thirteen thousand dollar. Four one can alone. The more were trying to do to look ahead of them. appear mainly because my job, they just followed more general managers, but you're, the one that was so urgent. Determination? I can learn more fearful portion. Here together a day, even though we have, in this case my job, maybe God. Well. How real is that risk Gregg like Are they He's gonna Rio mean. Is it something that can happen in the next few months? no telling of the carbon Amman movie Theater general manager. further, confident that all eventually reopen don't know when right so in California Right especially now when he hears here's. What I am asking this I feel

Europe needs to get out and be dusted up and prepared, because here's the downside with before one key alone, if you do lose lad, job you'll have sixty to ninety days before that, for one Kate alone is due in payable, so mindset wise. If I'm, u, I would be dusting out my resume guerrillas, or to North Korea, or what is your wife looking for work is well. She found some. No, we had not looked because our children, how absurd therapies and health issues are required to refocus on them. All my scheduled actually beat up on time because I travel I want to watch other theatres. So you're more of a regional manager type at this stage. What you're saying more than one guy. Is that what you're saying

because now there followed a lot of the general manager LA one Jim much check multiple too, but you really just looking enclosed buildings run out right. Absolutely ass her lord I'm sorry. what a disaster yeah. I think, I'm with grass here's the thing you stop all baby steps. Push pause and pile up cash, if a storm is coming, we have to define and that's what Christian our doing talking to you tried to find out. What's the probability that this again is going to affect your home. Ok, if I'm in Nashville and it's gonna hit look new Orleans on public omby, ok, right but in your eyes you got you, you got ones coming right. Accurate sounds like number one year in an industry, this really struggling in it. a struggle with covered more than a lot of other industries? I mean like alive event. Typesetting me, it is a very difficult thing to reopen

and number two you're freaking, California has completely lost its mind and so on, and you know politically you. Ve got all kinds of problems. To reopening and shall I'm? U? I'm pretty scared for my job, So I know I wouldn't play that off today: I'd pileup cash as high as you can pilot. I would have everybody working that good work and lets we get the plywood over the windows and all of you, Looking for jobs and all of you get your reservations, dusted off all of, you have a plan for if this doesn't go well now, if this Warm passes It wasn't a directive which apply what all the windows and we start again right income. but right now I d, I don't see that storm passing in the next six months in your setting our three months anyway. Phil I could be wrong. Maybe they recall notion when they open up the whole state, but I doubt it I don't know out and I'm watching for the outside logger bios gone, oh, my goodness what a mess- and so yeah

Indeed, like you said, the piling up care slit, let's torsional down, there's nodded I'm side to it in here's the deal. This wasn't found money like that planning, as is when the storm passes, you'd, then on ports and keep working this their pay out immediately up this You know what our secure in your job, that's right. or the new job. What you pay off, that for a one Kalen immediately with the cash is laying their end. You push play again and you go for your baby steps, that's right, you're point crash out: that's the main thing you under it is it really early can take care of the four walls, foods clothing, transportation, utility pileup cash right be ready for them. I'd love to have him puff right means urban. a pagan the brick house right, get the four walls belt and then go from there and ensure the battle of wonders off now we can come back out. Windows start shouted the shutters or open we're going down the sunshine when new stuff again and got a re, evaluate you, poor folks, man, I'm so sorry for you. We don't have

I think we have the Euro zone, and here too we are now think we do there. They probably just close them again right on. I can keep over whether done when it's like I mean it's, it's an industry that was in trouble anyway, Netflix destroying, and so they were heard no ready and then just politically to finish a lost great american icon movie. This is that I represent

if you really want to win with money, you have to learn to spend less a great tool. The chopping my listeners, save money, is called honey. Honey is a free online shopping tool that finds some of our best promo code and apply them to your card. For you, one listeners at almost every time I shop online Honey saved me anywhere from ten to thirty percent and allows me to put that extra cash towards my dad. Add honey to your browser today go to join on a dot com. Slash Ramsay Preserving Ramses personality is my close today Open volunteered for flight to five five, two to five couple, a big things happening. It is new year's happy New Year and it's time to re, said a lot of

after last year ago. I really need to rethink this money stuff I've, not Britain, doing it as well as I shut up. Well, that's you I am sure, pleasures rata. Yet it has a free trial to help you walk there, and I ve got a ninety day program right now to help you from quick winds and help. You makes real progress quickly on your dad, and it's really the team over. There is done a wonderful job, I'm so proud of them. Sugar, Ramsay Plush. If you want it for free, Godaddy, Ramsay, DOT, com, slash reset and you can take. A free trial today is the last date a pre order, Rachel cruises brand new book at its storage tomorrow, no you're, I know your money, a hundred and fifty dollars worth of free bonus items along with the hard cover book, of course, for just twenty bucks, if your order it tomorrow, you'll get a book which is where, twenty bucks absolutely over that it out, but your mission out on and if you don't do it right now about midnight tonight and

dealers next Tuesday night, you, unlike Rochelle, Gamma, Rachel Crews, Gregg Rochelle alive, from Oklahoma City from Life church, not tv are going we're doing a live, free stuff, gauvain. Reset, you ready to respect for the new year. I am So excited I mean it is again talking about, twenty twenty being behind us and now moving forward and twenty twenty one. Given people pretended to have the information to be able to grow forward. I'm tell me I'm very cited. For this event. I want you all to mark your calendar January, twelve, seven, p m and again just Texas right now, text reset the three three, seven, eight, nine that what you are as Phoebe and you ve got a spot right in your home watch re. It is free Tuesday night, seven o clock one from tomorrow baby January, the twelve tat.

Teresa, two three, three, seven, eight nine or in a walk you through the plan. Some of you already know the plan, but you need a reset and rituals, of course, talk about no yourself now your money and, of course, doktor doktor again may be a doctor, but Craig Rochelle pasture Greg. It's gonna be talk. He did a talk on discipline that was absolutely made me want to be more disciplined it'll, do the same for you and he's gonna. Do that talk forest fire? Pretty cool! Stop it. In the global city annual area and you want to be in the live in the light of audience a programme. exposed life church is gonna, have a story audience sheeting is extremely limited, like very, very, very limited. There should be a handful of people, but there twenty bucks and thereby

but I am sure that calm, slash events make sure you plan to come out of here in the oak lama. City are now listen to me. Out of this step. The lifetimes gonna be amazing, put that on your counter January twelve, but listen with Rachel's Brook no yourself. No, your money. You ve got to pre order. This think you got an opportunity to have a coaching session with the financial coach. It's like work with your own personal financial trainer and so get this thing ordered right now before the priest. They'll goes away and you many options ahead of you at girls? Chicago? I EDGAR welcome too, that I ran Felicia. It includes a happy new year going up. I have a question a subordinate long. I am. I got divorced in two thousand and twelve after signed up, about them are also for closure, and she stole get money from two thousand and eleven soul. I will be able to move get a low modification and something that was caused a body alone. I don't know anything about it for fifty four

thousand dollars. I was able to save miles now I would like with finance an arm What an enormous is haunting me a little bit, I told you know how to get sore fifteen year conventional and said thirty years of age he s up? I have now I saw on trying to figure out what to do it is doing and how to go about it We are essentially what a subordinate loan is also more domains, as is its behind the other mortgage and so on. border lower. In this case, I second mortgage or third mortgage But just a second more, if you have a first mortgage on there from the original loan, all the back pay. when you got behind became a new second mortgage, its it were exactly the same mathematically EDGAR as if you taken out a home equity loan to catch up your pay, much focus, that's all, working. Ok, so you got fifty four thousand. They are what your first ballot,

One forty six right now we got that fifty point: zero percent and it off after thirty yours is also nearby. It's gonna be gone. If you refinance show you up yeah. Oh two hundred thousand dollars on your home, what your homework? Twenty five ok, so you can refinance I too, Thousand dollar first mortgage and it pays off both the first the subordinate and that's the way things work they're not going to remained subordinate to a new mortgage. After you, refinance. That was ever they did you, because, although the screwed up measure guardian, ok, ok, it's all, so it's going into a fifteen year, conventional, possibly at two percent or two point: nine percent, instead of being in the thirty year, citation three point: six percent forty six zero on fifty four were yes, ok,

all it'll be until hundred even just about two hundred yards but the point is I mean if you figure out that, total interest paid on the way you're paying it now is three point six. Come on forty six and the total interests charge might be three percent or two point nine or something on two hundred but evil. cleaned up your mash up to. I don't have this thing hanging over your head, this knifing and over your head out there past mass unaware that staff the and I were, I would do it. I would get refinanced immediately if you can actually, even if it costs a slight amount, more just a smooth everything out in a shared. It's gonna be again that past payment, his we bombs and all that will be behind you because you blew forward with a new loan. That's exactly what I would do. haven't been in this industry for many years. This is the better route. Good question area, the question teaching moment

ordinary. If you ever subordinate work, if someone it's under, you erected on the Org chart right. If, if you're too, about I'm someone so subordinate. I am after hammer where, cash aboard and suspending our mortgage, the first mortgage date when you file a deed of trust. Us r, r, R, a mortgage, depend on the state at the courthouse, the date that its recorded makes it. What it is for the first one, the first, the earliest date. The oldest date is, the first mortgage correct you can't doesn't name something far more giving Oliver's market. But ok, that's right. The next one that is recorded is the second one that is recorded. It is sub two, the first and it's called a second mortgage of your record one in five years later, your court another by definition that, though the second one you dad is the second mortgage and third mortgage and the fourth mortgage and so on, and even if,

from one thousand lawsuit against you and takes a lean on the property. They don't jump in front of the mortgage, they land on that date timeline they the sixth position and include a bunch. That's right be in second position, if you ve never been, should love than your first mortgages and place. That's right, and so these though it we ve, got a race to the courthouse. How title is done? The first wondering were the deed, is in first position, and so anything after that is by definition shuts ordinary and that's where they comes from it. Doesnt really mean anything, that it's not foxtrots right We could be. Second, it could be thirty before his case, pretty that gumption second, a pretty girl, I'm sure there's nothing else on their, but those two things from what is this I think that Russia, that stories are very clean story by the other one day that I'd like to clarify with people. Is this whole at home, equity line of credit see people

view those are, the bank was very smart, were they brought those on because they don't call him a mortgage when in fact they are exactly at? Second, it is sir or third more anymore, but they never call it a mortgage, and so it became this very fashionable marketing tool to use for whom I am suggesting that one line. Yes, when people have lines of credit- and I have a line of credit- are you have a mortgage products at so just being aware of that, and we don't want to fall for those antics anymore. We're gonna count yeah yeah

like what he lines of credit or my party loan s are mortgages on your freaking out setback turbine couch, what we knew? No, no, no right, Mama was a line of credit, and I'm supposed to go to this- that I remember he shut

miss Organ Ramsay personality is my fellows today: open phones triple eight eight to five five, two to five Eu Japan will talk about your life in your money. It's a free called you jump in Justin. Is whether suggestions in Orlando just and welcome that. I ran future Thank you for having a true. What's up just wanna call him with a quick question, gets you're you're inviting you're in I'll explain my area real quick. I am an elementary school physical Education teacher amendment seeking out for eleven years in homage than a wonderful career path, families on the table to enable me to have a wonderful schedule with my children and am I right I have three young boys under the age of eight

long story short on my life, and I found your programme right before we got married and had followed it we could also happily the ears and we'd unmarried from our about nine year, start off your working The navy stops working additional ball and now position, largely like we are very blast- I'm gonna definite provided in your programme, as has been amazing, My situation now is our we're working the baby steps. I can check your ear joke of showing that the door a great listen! I got on on Ebay to harden started. Doing everything on you back until we saw out of suggestions and I took it a little bit further in starting any in the whole failing in little Jimmy I'm kind of on a business. I've been doing it now for each. on nine and a half years, and this last year

then why not lucrative internal differ in terms of the measures on which their own each year and its adoption for my passion, my dream enabled my wife to quit her job her career job of working in sports technology and I'm she's out there mom and I worked hard tabula ticket, I done for her and now I'm coming to the point where, on itching to to pursue mine, my passion in terms of being a full time e commerce sellers. Well, why don't you get your thoughts on if it made sense? If I was making a wise decision in doing so now, trust me: don't leave hang on. How much did you make this past year, my gross income with a hundred twenty thousand, and I met it off. What do you make it your day, job my day job. As a teacher, I make forty four thousand before taxes. and is your life's not what your lifestyle shut up on your out of that you have an emergency vondra without it

and might have an emergency fund fully funded of about fifty thousand dollars are mortgage and analyses completely paid off. I live in a further three hundred thousand dollar three hundred and ten thousand warehouse and is paid for each day for yourself, you're, a rock star, rather the ball, so you can live on. Seventy thousand right, definitely thinks TAT. Absolutely is not an American heard. Even now that he's scared me. I know my college campuses myself, but it now Billy, scaring Roy emitting a lot of my life to Am I a teacher in ongoing and a completely different direction. but you know you ve been doing this. While this is not a lark official, something for one year you dead and you got all pumped up This is something you gradually grown over nine and a half years and its just a month, serious business. Now, right, yes, Sir, and it's, what you want to do you enjoy it

absolutely. I love it when you turning into resignation, well. I saw him with my wife and in and I agree with her she'd. She feels it on my should you have finished your teaching, him already go into it strong in a beginning next school year after I would put the summer you going into the next school year, I was kind of her suggestion. I value it no more restricted in my job, and I want to leave on a good charm, shallow land in offering at school years. Conover. Lastly, thing to do no harm, no follow. You can do that and if you have a lot of energy just knowing that it's coming, don't that's right, sir, Feels like it's a long way away, but twenty five march and so you re just our Go and let him know the day when the school year wrapped up, you are- and I would get on with my business I think that I think you will always be a teacher.

may not be at that location in the elementary school, you might teach someone how to do it. Stuff, you might teach go to your charge, I don't know what I did, but I think you're a teacher to go by the way, I was teaching that by the way I'm adventure, it's what I do and alone teaching it's one of my gifts. As a matter of fact, I'm a gifted teacher, the loving give it up, but that when I am and show them that's who you are, and it does not have to manifest itself. As a elementary p teacher now addressing till you buddy, congratulations very, very well on revenue yourself remembered the principles that got you here is what I want to leave you with me. The mindset of looking at seeing debt for what it is, it's not tool, it's a threat. And so, even if you look to grow in your business again, please don't let your guard down, please don't think, did you suddenly have to hit a grand slam when you ve been hidden base singles and you ve been winning

so remember those things and dont deviate from your plan, young man you're on the ball for yards in a cloud of dust, gotcha issue. I am a first every three denied or about it does not put the ball risk so we're trying to Herod issues. Ball protection discussed finnish out you doing very, very well and jump down to the contrary: leadership stuff! If you haven't India, then too, there in entrepreneurship elite and get plugged into some groups of some of the other sellers. We ve got on their they're doing really. Well, you learn a lot from each other's ago. Jordan, as weathers Jordan is in having him Illinois high Jordan. Welcome that I've Ramsay Show. Mr M, the payments are very goes the great man. How can we help thanks were taken Michael I M gonna like that laughter. The call em, also a teacher and not in the same situation as in both wonder help to be so today. I'm calling because I am on my last house payment this next month, then I got along without interest your mom,

Tell me how to do that, but I did before. I knew you guys and done. Telling those that are out there in the same situation about make that mistake? Don't do it borrows? I do wonder if you guys say- and it is the chair in a relationship that need to be there now, I'm in another situation, less public military relationship apart? For short, Hopefully it will heal, but after they were last Thursday, my mom alone, and she did not want me to pay for the shed originally other because shoes protecting me thinking my house, mild so much my house, and that was like an alarming billing for me. Well now, I think it's more that she wants to own the shared, so she can store abode in it. however, my it's on my limits under my deeds so thoroughly hers, I just need to pay or for the thirty five thousand dollars an hour for it. so she Turning to give it to me for free, I forget I always of

I said before siblings, unlike their straining snatched, yeah. I don't want them to tear relationship with more you're afraid of it's not really a gift. It's like I wanna, be apart owner and oceans possibly at all. I mean she's been pretty good. Originally, it was gonna turn our relationship when she was alone, we start operating also far batch rather than an issue. But now I feel like this might be her last control peace and tell you don't want to do that, and I talked about it. I guess I should like an area from making that call and make an afghan people lunch. You take it, but now it's an eight year term. Listen, it's not a gift of urgent May strings attached and you feel control and other issues. You're gonna pop up and she's gonna. file, should be a travel agent for guilt. Trips are dumped, you must shed you guys you

Why are you have paid off anyway? So truly just another area that is coherent with the ILO? Your heart, I agree with you there and it also complicates the estate plan. They ve got five siblings inertia, the authority of a thousand arson and giving by I'll try and yet Large, you said you didn't give them something, but I don't want that can be fair. What that's gonna look like saw. The lower yeah take a chance on mom just for the cleanliness of your estate. I think it's better. If I just go ahead and pay you off and I'm going wouldn't do that last year, and please don't I. France I'm just trying to do the right thing- and I just want you to be others- want to have this very simple. staying where there's no transaction between you and I accept mother and son that's all, I'm also on says my license

Well, you must always do all of you so to make her out it's ok, but if your pay, if you're going to judge amounts you they mean every four years with their marriage. For no reason, that's their problems, but when more about play on, that's not the betting come up in this discussion till the last sentence, but I still would pay it off is, I think, there's a lot of crap flying in the air here, thanks for the CALL brother Happy New year, every body that puts us our that I roundly show in the four. This is James Childs producer of the Dave Ramsay Show on your smart speaker. You can add our skill by saying Alexa open the Ramsay networked steal from there. You can listen to all our shoes Ass day, money, questions like wine, that's my money or what is the debts noble, find out more daydreams, dotcom, slash smart?

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