From an wonders of Ramsay. Somebody should rod cash from the dollar car rental studios adds that day, Ramsay show what matters down caches gang and pay off. My mortgage has taken the place of the Bmw. The status symbol of choice can combine Ramsay personality host of again common show and career jobs. Export is co host today here on the air, open phones, four point, eight to five, five, two to and twenty five eight eight to five five to two

five geryon is whether in Fort Worth Texas, high German, welcome that I rams Asia They again our great man. How can we help so situation, so I've got twenty year old, one treaty, I've had sense, graduated high school and on an Davies that too I'm on average, probably find the search hired a month and just keep on this continue to go on I'm sure you ve got it broke in Doha The world cannot replace the tires prudently battery on it and not that I'm not mechanically climates. I don't mind workin on the Turco China Sea it at half time. Hobby sounds like

as much as on spending on tried by the six hundred a mine. It's hard for me, and I know how you feel about purchase than a new car and I've been looking at used cars I'm trying to see what's a good point to what would be a good use car for me too, Listen to know what I need to get into, but I'm thinking that on programmes be right around twenty two thousand good Lord hit enter Europe fifteen hundred dollar truck and you're, going up to twenty two thousand words. Twenty years old, I know you're drunk, but my what justifies a move from fifteen hundred and twenty thousand, reliability. You gotta be kidding me you're, probably right, I entered

so yeah. You got your ear really. You are really pissed off about this drug breaking and you have got truck favor now that the best way to cut it out emu, but I don't think we're gonna. I don't like the way you punish the truck is by getting one and making yourself picker, Sir, who, So what do you make an ear? What do you make a year? So I'm a self employed contractor yoga my my mind grow or my net is between twenty to fifty I've got. Suddenly, two thousand hours on the Bank of God, initial pain off I'm on babies that too, but the industry does eight out of them alone here towards in the mind of God,.

Sixty thousand dollars and retirement will. No doubt I think you're only debt is eight thousand dollars. You have only two thousand hours in the bank. Right, ok will slow down a minute, because be step to the way that work can is All the money that you don't have a retirement and you pay off your debts. So we're not. Wait till they on the Monti right, the eight thousand, our Czech. When you hang up ok, now you get free now, you're dead, free, their own baby, step three and we need an emergency fund of three to six months of expenses. Sounds like fifteen thousand cover for that, moreover, have others have twenty two thousand art Eddie and then a separate I'll get on top of the seventy two. Yes I'll show you Now I understand low but more worthy truck. They were now down to

you have your emergency fund funded and you're debt free. Okay, we talk about paying cash for a truck and here's the guideline to guidelines when one of them has to do being out of that. So it doesn't fly. Cuz, you're out of debt, took her that a minute ago and in the next one is unless you have a net worth inaccessible, a million dollars in what you described me doesn't than indicate that are you, by Brian, knew you buy used and you don't want to buy anything with motors all the things you want. What motors and wheels dont need to add up to more than half your annual income. So what did you pay? Taxes on income was in twenty nineteen And twenty nineteen may twenty five thousand what will you make this year this year on track, make over one hundred and thirty seven thousand, thus

the money in the bank can show. What do you think your average incomes gonna be for the next five years I am, I wouldn't go for the latter. The next five years. I would like her to be between seventy five hundred. Rather ok, so you can buy twenty thousand truck them. I will recount. You don't know that very often, but others backed a while to be fair to eat. Him know that there were seventy five on another. But if one thousand dollars lay in the bank either you have sixty four left over after he pays off the eight thousand plus a nice hammers, but I wouldn't buy a new truck no by a one year old, one or two year. Let someone else take the but kicking on the depreciation, and are right, but I just reacted to fifteen hundred to go under twenty thousand, but yeah you, you ve got now, your value out, our first one, and I would is always your ears, the trick. Ok, that's that

We all all of us in Europe are concerned. Business. I grew up morosely business a totally to rationalize purchases of things with motors, and you have to be careful with that. Not thought! That's what you were doing. Ok, you don't have a history of doing that. But I thought that's what you were doing and you are a little battle here before I found you yeah you you would have, may not cause. If you don't look up, you ve got up, because everything that has motors and wheels goes down in value, and you can't Ridge, putting all your money and stop the goes down in value. It's kind of a basic math thing so that's where the ratio comes to limit your purchase. Of things with motors and wheels total to be less than half your annual income and so. You know what is your only because you just eat they go down in value. If it's got a motor on wheels on it, it goes down value, and so it's ok.

By those things, I've got a bunch of cars and boats and crap, but they all total up to suitably less than half my annual income and it's not. Prohibiting me, then from building well them that's the principle that you do in Europe. Now that I got a better picture, I think he's ok, Bob truck what you think I think so too. The only a challenging with this he's doing very well in this is a young man who got his baby steps out of work, but he's going of the grand right now negligent, really good shape. Peace is on. You know baby, so for any ended. Kids already doing that is already doing. Babies have for essentially looks like with his retirement. Here's one, challenging one want to know why he fella king needed the truck and sophie he'll kill a whole bunch of tools because the construction nature in a I'd look into My father was very successful. He's got about ten thousand dollars. You ve got a very nice trailer that keeps

value because he carries all the tools and the trailer Sophie cell. So now the value stays the same cause. The trailer is something that is a piece of equipment that will hall truck under construction site. It's one thing feet up so does he knew Silverado going through a mud. Purnell is, is a chevy commercial out in the real world, some Darrell as other brother Darrell Buck back a bobcat up into a true our throw a concrete block in the bathroom. That's what a rap manner real work. Well. I've been around that all this is that I Ramsay chef during stories from people on my team telling me how much they love honey, one amount developers

and told me he uses it all the time. The browser extension I've been telling you to download always tells him if he has the best deal on Amazon and he gets the emails every time there is a price drop. He said he doesn't even know how much it saved him, but it's more than he paid for it, which is free, so listen, Papa, Dave, Download, honey for free, join honey, dot, com, slice Dave can commoner AMC personality is my co host on the air today, if you ve got questions about Guerrero jobs, we ve got just the guy in the house to help you about life and we talk about money, and that includes your career includes how you make money. Open phones, AAA eight to five five too,

if I were talking about whatever you want to talk about this- is your show willing, since it's our show, but we want you component triple eight, eight to five five, two to five, you jump in we will talk and can the career piece it. It has evolved around Ramsay as a natural growth out of this because there are two sides to this equation: incomes are there goes out, and so often times I tell somebody get to work on the income side. That's right and we want peace to not just have a good job we want somebody to be in a place where there in the role that they were created to fill. You know, we believe every man I'm almost created to contribute, and so, if you look at the way It worked away that Ramsay Solutions Dave myself, all the other personalities we believe we were created to work and we don't just to live too ill to pay the bills and may be made few memories. It's too big,

seeing you told us again today, reminders we all set it together. We are blessed, be a blessing of that's where we come at this work thing it's hey you can actually do work that you're good at that. You love and that creates a result that matters to you. That's the formula, talent, passion and mission all coming together on our tugging different show recruiting about her four year old adage the kitchen got a dollar and somebody else. Another two hundred up of six bucks and said about Polly Pocket right. An walking around like she's just gotten the bullet. Browsing economics. The carriers are lower. Mary and so work gives dignity. When you working, it gives you an you. She is physically in a look. Look I'll. Stick your chest out the pride physically their body, language changes. They start their shoulders, Baxter contrast out your mom and dad. I did

and looking for affirmation. Work gives dignity. If tooth, it's a very good point, there's two parts of work. So it's not all about us so work. Does create this dignity and the sense of meaning that we see I earned this see the paycheck used is not even about the money. It's that we earned it worked and little Amelia. She swept the floor. Mom check that she's, good job, diminish, gives a million dollar and also Amelia realises. I earned and that's why she feel so good. Her shoulders go back and she feels great, but then the ex love was when we realise that all work is honourable, and why create a result and when we see the result of our work connect other people we go. Oh this isn't about me, I'm even my effort, I'm giving my talent away to make my world a better place, in true, meaning happens, and that significant, you know you can say looking so you can do work that you're just good at no passion in them

The result of work done correct, but you can do that and you'll be successful. You can do work. Your girl called him. A lonely love yeah well, but this is sadly people, they see work as a utilitarian task. I do this and I get money now also do work, that you actually love the work, but and create a result that swells, your it makes you feel like you're on mission and you'll, be satisfied, but signal gets comes. Where again you used that formula I use my talent is a tool to perform work that I just love the work. Sought about notoriety for Dave. It's not about money for day day teaching, men and women principles it'll help make their life better. He loves teaching. We talked about it many times off their days, a teacher. He loves the the actual work of in. Structured, but it is when you instruct people with life changing wisdom that helps them do the things that It is their family tree, see, that's the reason,

of the work. So talent is what we use to do work. We love, which is passion, to produce a result that matters plea to us, because we see the results, of the work and there's a canoe into an that's Randy solutions is, is focused, We all are here, no matter what our role is to provide hope. Well, visions, good gulf is good too often told when someone retires two years later, there day play so much Gough, because, while the Gulf of efficient and gallop no, it was like a purpose. That's it had nothing to lily. Flame has been extinguished, unquote, that's right and it changes that you need to have something that you're putting your hand to, and it does- necessarily have the time to an economy to actual money exchange, but there has to be some sense of dignity to what you're doing with your life that's why I've told you getting around here I mean you'll be a day. That I will not be the ceo here, but

we'll be on the earth and also make sense, and I will be in the buildings. Breton heightened tension is much show. It's like a gift, a man so time for me to do that. Involves a triple eight, eight to five, five, two to five Karen's and Tempi Arizona. How can we help Karen? I do thank you, ve taken my car sure, so the question I have three went up but one I o Brien clear the other one. I owe ninety five thousand dollars and then the third one I oh yeah like two ten and I'm thinking about selling that one, and I should not after fees and taxes I should know about, a thousand dollars- and my question to you is that, should I take that ie and put it on Randal Property, that I owe ninety five thousand and try to get it paid gown. Or should I just keep that money in

put it in an investment doored invading so you're dead free other than this. You don't have a car payment live with my boyfriend? He pays the mortgage on this house. Our money does not common goal, so paper groceries and things like that. I'm yeah and I have astute love that Sorry, I do how do understood in eleven doubt eleven thousand you mind the boat about six thousand. Well, we teach our thinking. The baby steps and can that would leader and a first get rid of the third one letter, but from one or two since you ve got you she sells that house takes that sixty pays off the student one Then we wanted to put her three six months: mercy Fun, get that fully funded. Could she has no debt?

ex thousands not enough now for a rainy day. Thirty one would be three months of your expenses. Well, how much I'll, probably like three thousand dollars skeleton now or your life's Chechen twelve thousand bucks somethin like that needs to be an emergency fund, not six and you're dead, free and then I would start work to pay the other went off with any other money. I've got left over after that? Ok, seven mean goal is to be done. And the the reason is because, when you They payments is easier to bill wealth, but her about it. I'm thinking here it's like if I may, if I don't have that money going out that more money than I can save a simple formula? That's it that's the one! Then you don't over complicated. It's that's how people bill well did the distance between where you are an additional layer of wealth for you. So very well, very well open phones about her!

light eight to five, five, two to five, you jump and we'll talk about your life and your money if any isn't Flint Michigan high Tiffany welcome Ramsay show how David can things are taken the car sure what's up if I were a lot of things. I am I play right now, I'm trying to figure out the order and I have to get through it all Are we going into my last unless there and in the past, to get my masters and public health education? And I, also have twenty five k last student loans that I am working to pay off and the jobs that are available to me then obviously applying for got nothin to do with all my main coursework the job, Available to me, without any experience- and I dont work in that field right now- are about what

making right now. It currently make up forty two or a little bit less well, it's cuts both I dont know. If I said I don't want to stay, I find out what you are talking about earlier programmes will tell me at all, but on the contrary, We come back from this break. We will unpack that for you and try to help you out with them and and we gotta get for each this is that every measure people

all over the country are discovering a faith based and budget friendly way of meeting health care costs through christian Healthcare Ministries, Christian Healthcare, ministries or c h is a non profit organization that helps members carry one another's burdened with how here expenses and they have successfully share in each other's medical bills. For nearly forty years c c h is bright. Bring you by visiting C H, ministries done more see. Age is a proud sponsor of Dave. Ramsay live events Can common Ramsay personality hosted again common showed organ backers and jobs is Michael Voest. Today, as we talk about your life and your money, we're talking with Tiffany coming under the brake, Tiffany is inflict Michigan and has opted to make the same money

going over into her field at forty. Two thousand is Jennifer Summary what you told us so far: yeah yeah and some of the job Have that will take limited In our little bit, laughed like I've been wondering: is it ok from them still paying off my debt to go down to be able to up- or am I like settling in my debt burning in and Michael Relaunch, wonders wanted to take the one, the treason, a little hard to come by with no experience. I guess your goodwill unseen ok, so we thought that you could get some lower level positions. That would be the same money. How much difference is there? the ones you're talking about? We have to. Down a little bit be specific. What does that mean? How far down how much money will have much less money remaining? Why make twenty right now, I'm CN like fifteen to seventeen about field? What kind of a big job to me? What does your degree.

I'm getting my masters and public health education these entry level? Public health mean politicians show are you single married do others? I ask, as do you have the time be able to work and extra job plus the schooling to make up the difference is right about three grand on the seventeen of five grand on the fifteen. So if you can make up the difference, it might be worth it, but that's a time issue. Do you have that time I mean after after I graduated. I would ok. Now for my friend emanate from my like capstone open what I would tell you: either need to finish the degree, keep goin on the baby steps. You're, not you're, not putting self behind and lick life journey here. This is situation where your debt pleasure, schooling are dictating what to be doing right now. So here's the deal, relax, you're, doing a great job, you're on a wonderful track, you're gonna be,

school, you gotta, be debt free and then we look to make the move into the career feel right now stay put down. If you make more money or the same money. That's fine! But when you're talking to twenty five percent pay when you go from twenty two fifteen or twenty five percent pay good. That's nice Ok start with. You won't make any money to begin with and now you're down the poverty level when you are talking about that show one yuck all right on the dead free stage, an rooms solutions. Lobby right here is Miguel and Emily hi guys our YA resort excited thanks for having Anna were honoured to have you, what are you gonna live? They live in many other, Kansas welcome to Nashville in here to do that. Reach. Graham much of you paid off and thirty five thousand I flew along this. Take seventeen months wow, that's impression, making what kind of money. During that time we see, it out at ninety thousand and then we got Emily on board and we jumped up to one forty

and then now come back to one fifteen. Ok, so Emily went took a position. Is that what happened or add a second our? again job? That's a nice second job, fifty grand it took a little. They get thereabout. We got here while I hope I will. Canada was a hundred and thirty five thousand it was Sally. May we kicked off the woman out. Giver eviction is like it. So how old are you to twenty seven and twenty five and you paid off all of your debts you're dead, free, millennials, kick jolly, may out, you're, not victims of Sally. May you took her down through her button, a straight white gown. Thank you. Do so proud of you. Very, very cool. How long have you been married? Two years? Ok cool so tell me this summer? The story? What happened after you get married? You got few, sure, go along in the new like this. Just got real, it started about four years back. I am I just

do it a collar dad thirty thousand in debt? Luckily, I went call me and I started forming, so I got a job given fifty thousand a year and I thought I need a new tab. You know, if you like, I am making more money. I never thought I would so glee, my my previous boss, he was a farmer I was working under. He said: you do that about you, go Dave ramps in unlike who's this guy. I've never heard of Dave, you know and so signature after I was like artless listenin. Thing you said wrong. You just made sense. I said no to the truck. Why paid my loans off and then by a year after that. I paid him off and then we got married. And then there was hers all I love it very cool

so Emily? What it is? All the sound like to you, because you're Marian this guy who's been run and tractor, listen, you're, crazy, gown, radio! First, as lake, are you kidding just got out of college. I haven't had any money ever at this I know you tell me, I don't have any money thoroughly women I'm broke. I got on a diet of animals and birds, and I I didn't do it right either. Like everything you say you don't do. I did. I saw the first three weeks. It was bad In writing it. I was listening to you every day and she's like no and your name was a curse word in our house. It's all your fault, but luckily You got a degree in nursing so, like you say that the jobs where you can always works and more so, once you got on board it was. It was pretty pretty easy occasional, Emily converted Yoda from being a caution from me, ass being a cash. Where do you think this might be?

there is obviously wasn't his skill relationship. Well, I was thinking In a later we will have kids, and that is one thing we can wipe, offer plea and not have to worry about anyone. As far as like fighting over things. That will be one thing we could just give do away with an illegal, stable. Stockholm, and so you started going to tell you a bit more, even though I don't like you right now, exactly let's go ensure that we get a huge right our? How much food money goes on the food on Bologna, like what are you buying over? There go pray she's like genius. You go here and try to shop for a family of forward that amount of money or die in over here. Am I spend money like nothing where this but fight over the envelope system way back we're not lot older than ya. When that happened and broke broke, it all change it around way to go. You guys, you did it you totally weird. I mean you paid off everything. How does it feel to be

reed, it's fantastic and feels amazing, and do so much more now one government programme, it was a Macao Emily programme. Up your slaves and get her down. I'm curious real, quick Dave, Your dreams changed now on the other side of this debt. In this, be the still very young married couple. You're in the early stages. Have your dreams changed ethical caution. I think in the beginning, you know we're like we're. Gonna settle down a family, and then we can. I started looking at the numbers and like ok, maybe we said in our dial back and start from square one get rid of all the stuff that we don't need, which the net and then at that point lake now we can, we feel free to do anything is how we can have kids. Do not worry out that extra you know so, and we are big plans to Sunday adopt. Then you know faster and so it now it's like

sustainable. We can see that now and saw its an amazing feeling to feel that in a motel sure degree it. I actually psychology syllable. I quit farming about halfway and then I started in social services. I worked. It cannot keep the kids in the home our hard, but it gave me a heart for adoption and fostering than me and I was adopted, and so it's kind of like I won't we no pass, that on forward to somebody me very need who were your biggest cheerleaders we actually God Damn its Emily's. Parents is very They were really really supportive and you know we, we couldn't go over there all the time and they can understand that. So they came to see us quite a bit. That's perfect! We also had my parents in some

and a darn Marty who let em we stay when she worked. Seventy Neuro literacy at her house. We wouldn't have to travel great what we got big. Chris opens book for you every day, millionaires a hundred Thirty five thousand dollars worth of in seventeen months, making ninety one forty com. Download Sierra debt. British scream three two one well, that's out by other so also well, then you too very, very, very well done this but I've Ramsay Show

Gentlemen. Ramsay personality is Michael O. Today, you're only are welcome to the day. Ramsay show job is where Josh's in Chicago hydrogen are you in a hurry? What's up dead? Let them out we are for car, my wife and I have been on the basis that pan since December now run baby structure good. I'm doing the Volga because we're where situation now We live in Chicago and be found. Our partner now share that was pretty affordable for the city the location

The minutes is terrible. We found another place which is about doing far now saw a shout of us, which is valid, was I built, but it's a nice area in IRAN is about two hundred bucks cheaper, this. Nor should we take a quick pause and use the money that we save your pay, something else so go towards of moving so you're moving. Why for two hundred bucks yeah, you should Maintenance was terrible, but mainly sister about the place. Now in Chicago what are you paying rent? ninety seven heart and your household incomes, one. Ninety two thousand so. What you're gonna call should move for mouth about seven hundred bucks

Well, you don't break even performance on that. Right but after that, your shaven Turner dollars and you're in a better situation right. How much out of you got her hundred and five thousand be paid off. Forty thousand solar at fifty seven now good job Rico. Why it makes sense to have a cheaper, ran and a better place and you're Talkin spent much money to move genral machine, you think I don't see any problems, but you can always save you know you might loosened friendships overt, so maybe get some really strong acquaintance to come. Help move you never ass good friends to moved about it, but if the if their mediocre friends at you could do live without, you can always say a little money, you have your friends come over a pizza ends and twelve actual whatever, and some good guy friends and I'll help out. I

asked a little bit, but you can always save money on a move like that across town, yet but seven, our box with his income. They are targeted big paused there now and it's gonna end your saving enough on the route to recoup that better management a thousand dollars when are you got fifteen months regroup and I'm taking new, not so much a proper deal with? top the landlord about the mountainous issues. But I think I would move larger, not breaking Elisa show the thing you can't afford to have a such former landlord chasing. You are you're trying to get out of that either that doesn't work better, is in Springfield. Illinois high been welcome that ever amnesia. They are you great. How can Canada help protect my car on solar back our reason for your college grad. I spent a month or two after graduation math job applying for a career job related to my field and no luck so I started a part time. We thought it about three too far away.

Ago only been on the floor for about a week or two after my training applauded his job under their guide, but I could probably an tantalize, either for quite a while all time, just as long as I didn't find a good salary job, Last week I heard back from one of the places that just took forever to get back to me. Another two interviews far and sound like I'm on the top of the list of prospects, my should be hearing back in the next couple of days. It has full benefits which my courage or does not have a very comfortable pay for me doing things

a guy well out of school term intending to take the new job offer if I'm offered it, especially between the higher and disappeared and I'm expecting. But that being said, I have really enjoyed the retail up so far with apartment. I enjoy it

the old that I'm pass not about the staff are rarely friendly. I'm an error in need of employees from my department so idea. I would take this in your salary job and now worked retail store part time on evenings of wheat and probably of six months restarted. The thought I didn't feel like I was leaving I'm hanging, but I also just started their ends up there under the impression that there are higher than just the be all time and stuff. I don't wanna leave them hanging, so my question does applies for this job that I very likely could be starting out. Are you not? The top candidate

However pointed to end the the job you're up ever blood for page what kind of money the one I might be starting didn't, they said, haven't decided yet typically, the average feel the average citizen in that field, which would be a marketing, cannot marketing director position on line its telling me some more between thirty and fifty two, which I would definitely be happy with the right out of school, so can if he has not, if they know, even discuss money for where they may not getting closer and offer. So you're doing you're, given us a hypothetical. So if, if they come back and if they offer you this job in the field, you went to school for and the salary makes your heart fluttered little bit, you're asking

Should I do my a jerk if I leave the parttime retail outlets address at first? Is that really the heart of your question? That's a good question. It is a question of integrity. I check where its high values high character person. And the answer is you're, not a jerk. If you get a full time offer at a company in the He'll do went to school for and presumably you want to stay in that feel. No, that's the only question that really have as it is there a ladder at this this opportunity not just well, it's got better better benefits, and better pay is. Doesn't have a ladder, meaning that either there is opportune, grow there that company or this position and get you that entry level experience you need to actually get you prepared for the next run on the ladder, maybe even somewhere else, but you This question allow the CAN Coleman shown here's the deal. You doesn't make you a flake or jerk you applied for this gig before you got the part on retail thing. Things change. I think the offer to work part time which you already are for a season,

till they can replace. You would not leave em hanging what a wonderful gesture, your single twenty two! You got the time! That's a nice touch not necessary. You don't owe somebody penance What you owe them is honesty, transparent the integrity and, if you say look I applied for this it's now here It's in my field, I want to do it. I feel badly can only be hanging. How can I leave well replace myself or work for wild to find somebody think, that's all that you really have to do in this situation, much more than anybody else in retail that retail turns over people locker and they turn into ghosts like underwear. They don't show up. The Newsday isn't gone, you're good dude. So you're you're way ahead of the scotch scope on that? I warn you about. One thing I heard three times in the way you describe this, that your measuring this by the money in the benefits you anymore it's money and benefits. Come to those who find there. What can when called sweet spot and

get in this area that you're good at and you'd into it, and your passionate your create your growing you're learning money benefit. Welcome to those show you to find something where your lining up with that, and if that's what this is. Such a wonderful- and I would definitely do it, but this the other. I quote good job when you're twenty two it's going to be what you do, the rest of your life with that exact company exactly the way it is. Person has fourteen to seventeen positions in their life in America that right, the yet exactly right only Toma hurting used. The word passion in that phone call was actually talking about the retail position. That's what he we first one really passion about this kind of work, So what have you done with all these training for a J obey? What's the seizure? Yes, because here too, as we ve trained young people, our culture has that you take the safe job, the smart job and in situation at twenty two. If it's of the only the rest of your life. Don't do it now stay in the time gig until that becomes full time. That's the only time our passion, the conversation, don't be shy,

responsible that your miserable You have to call my show fifteen years or no like we hear a reduction that months from, but those are the diver amply show and books. This is James Childs producer of the Dave Ramses show you can listen to Dave Rachel Crews, Chris Hogan or the rest of the Rams network anywhere with Ramsay Network upon your smartphone catch. All of our full shows brows by topic or send clips dear friends, had to the absolute and download the rims. If you're,

for fun and practical ways to save money in your everyday life. You need to check out the Rachel crucial upon gashed from Bunny Export, muddled, Rachel, crews, guises rates of crews, and I'm so excited to tell you about. My party has a lot of you: falling paychecks paycheck their end ass. You don't even know where to begin that they have this need. This want to get in control of their money and if that's you, you have come to the right spots, so each emphasising at a time of inspiration and practical advice, if not subscribe to the rates of crucial podcast makes region. Today, there are more from the Ramsay network, including the Rachel crucial. Wherever you listened upon, gush, hey, it's just producer of the Dave Ramsay Show,